Card Control is a feature within Digital Banking that allows you to turn your debit card off or on, restrict its use to certain locations or merchant/transaction types, set up alerts, change your PIN, view spending insights, see merchants where you card is on file, and much more!
To use Card Control, you must have a debit card in good standing and access to Digital Banking.
Any card Controls (such as spending limits or blockages) should carryover, but specific Alerts you may have set up will not.
Card Control is available on any device! It is available in our mobile apps and also within Online Banking.
Card Control is included in our free OceanFirst app. As long as you have the latest version of our app, you are able to use Card Control.
Yes! There is no charge to use Card Control, other than any fees your mobile carrier might charge you if you elect to set up SMS alerts.
No, only your OceanFirst debit card is available to be managed in Card Control.
No, only your OceanFirst debit card is available to be managed in Card Control.
If you have the details from another OceanFirst debit card as well as personal information about the card’s owner, you may be able to manually add that card to your Card Control profile. The card’s owner will be sent an email to verify they want to give you access.
Anyone who has access to the card in Card Control can manage all the available features. The most recent update will take precedent. For example, if User A turns the card on at 10:02, User B is able to turn the card off at 10:03, and so transactions will be declined.
No, but you are able to hide it within the Settings screen.
Very easily! On the Card Control home screen you will see a prompt to add your card to the digital wallet that resides on your phone. Just press it and follow the simple instructions.
Controls provide the ability to manage where and how your debit card is used, and how you can be notified when it is used. Some of the Controls available allow you to:
- Set location-based limits on your card
- Limit transactions based on merchant or transaction types
- Set specific transaction amount limits on a per transaction basis
- Disable all international transactions or select specific countries where transactions are allowed
- Restrict card activity to a few miles radius of your current location
- Restrict transactions to specific merchants and transaction types and set transaction spending limits
- Turn the payment card on and off—when the card is off, no purchases or withdrawals are approved except for previously scheduled recurring payments
When the card is turned ON, you can use it to make purchases and other normal transactions. When the card is turned OFF, one-time transactions using your card or card number will be declined. Recurring transactions will still process when your card is turned OFF, unless you also have set a specific Control to restrict those.
To turn your card ON/OFF, simply select the toggle to set your desired card status. Changes to your card status are instant, giving you control of when your card may be used.
No. When the card is turned OFF, only one-time transactions using your card or card number will be declined. Recurring transactions, such as gym memberships, streaming services, etc., will still process when your card is turned OFF. If you’d like to stop recurring charges, you may set a specific Control to restrict those.
The Spend Limits screen allows you to block transactions greater than the amount you enter. You can also enter a dollar amount to receive alerts greater than the amount you entered.
No. While you are able to enter in any amount for the Spend Limit, it will not cause your card’s daily limit to be extended. If you set your Spend Limit higher than your card’s daily limit, the Spend Limit will not take effect. Note that daily card limits vary depending on account and card type.
You can receive Alerts via email, SMS message, or push message to your phone.
The Alert screen allows you to customize how you receive alerts on your debit card activity. You can set alerts for all transactions, no transactions, or for specific transactions such as location, merchant types, spending limits, etc. Phone Number and Email Address are taken from those that are registered with your debit card.
If you report your debit card lost or stolen to our Customer Care Center, you can use a digital version of your debit card while you wait for the physical card to arrive in the mail. Learn more about this feature here.
In the Card Control Settings, go into Personal Information. There, you will see toggles for Email and SMS. If you do not see either, please contact us so we can add your email address or SMS number. If you use Card Control on your app, push messages are standard and cannot be turned off unless you completely turn off the Alert. You are not able to customize which type of notice is sent for specific Alerts. For example, if you turned on Email and SMS notifications, you will receive an email and SMS message for every Alert you have turned on.
All of your debit transactions are in a pending state until they are processed after the end of the business day. However, due to the way some merchants communicate to Card Control, transactions may show as “posted” when you receive alerts. You may view your account history in Digital Banking to see when your debit transactions have actually been posted.
If you add your debit card into a digital wallet such as Apple Pay, Google Pay, Amazon, etc., the digital wallet may send a charge for $0.00 to make sure the card is valid. This is called “token provisioning” and the alert can be ignored. Also, if your card in the digital wallet has not been used for some time, the digital wallet may send a $0.00 charge to make sure it is still valid.
This allows you to view your debit card’s complete number, expiration date, and CVV code. You can use this if you want to make an online purchase, but your physical card is not handy.
Spend Insights allows you to view, analyze, and manage your spending trends.
Card on File shows you merchants where your debit card is stored. You can use this to confirm if you have legitimately added the card with the listed merchants and to reduce your financial exposure. Please note that your card will only show as being on file after you have stored it with a merchant and made at least one purchase. You are also able to view merchants with whom you have set up Recurring transactions. This gives you an opportunity to decide if you really need to subscribe to so many services!
This provides you the flexibility to create a travel exemption without the need to call us or visit a branch. By establishing a Travel Plan, you reduce the chances of a transaction denial when traveling or shopping internationally. This can also be used you are about to make an online purchase that originates in another country. For example, if you plan on traveling internationally next month, you can select the country you will be visiting and the dates you will be there. Any purchases you make in that country will not be automatically blocked.
This allows you to change the PIN you use when transacting at an ATM or making a purchase at a store. Any changes you make are immediate!
When you use Card Control on our apps, you may be asked if you would like to turn on this option. If you turn it on, your experience will be enhanced by seeing the exact location of the places you use your card, merchant logos, and more.
Your email address and phone number are automatically pulled in from our database. If either needs to be changed, please update it in the main Digital Banking settings area. If you do not see your email address or phone number in Card Control, please call our Customer Care Center at 888.623.2698.
If you do not see your OceanFirst debit card that is in good standing with us, you can try to add it within Card Control. If that does not work, please call our Customer Care Center at 888.623.2698 and we will look into it.
If you see a card with a number you do not recognize, it could be an old card that was not properly closed, a card that was issued but never activated, or a card that belongs to a joint user on your checking account. To remedy, please call our Customer Care Center at 888.623.2698 and we will look into it.
You may call our Customer Care Center at 888.623.2698.
