Card Control is a feature within Digital Banking that allows you to turn your debit card off or on, restrict its use to certain merchant or transaction types, and set up alerts.
To use Card Control, you must have a debit card in good standing and access to Digital Banking.
No, only your OceanFirst debit card is available.
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.
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.
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.
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.
The Alert Delivery Options screen allows you to customize how you receive alerts on your debit card activity. Toggle ON or OFF as desired for each card.
Phone Numbers and Email Address are pulled from the 'Alerts and Notification' setup in Digital Banking.
By default, alerts are turned on for All Transactions. This means that you will be notified if a transaction is declined or approved. If you would like to only be notified for transactions that are blocked, in the Declines and Alerts screen change the main alerts dropdown to Blocked Transactions Only. If you would like to select the types of alerts you’d like to receive, select Preferred Transactions in the dropdown, then make your changes within each category.
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 an ewallet such as Apple Pay, Google Pay, Amazon, etc., the ewallet 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 ewallet has not been used for some time, the ewallet may send a $0.00 charge to make sure it is still valid.
This option allows you to select times when Card Control should not send you alerts, such as when you are sleeping.
If you do not see your OceanFirst debit card that is in good standing with us, 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 1-888-623-2698 and we will look into it.
You will likely only have access to the cards that are associated with the Tax ID you entered in the Digital Banking registration form. For example, if you used your Social Security Number to initially register for Digital Banking, you will only see your Personal debit cards. If you used your Business EIN when you registered for Digital Banking, you will see the debit cards associated with your business.
Any card blockages should carryover, but alerts will not.
No, CardValet is no longer able to be used with your OceanFirst debit cards.
You may call our Customer Care Center at 888.623.2698.
