Debit Card Controls & Alerts

Debit card controls and alerts are based on the individual card number associated with each card holder. Only the cards issued to you will appear on the Card Services page to set controls and alerts.

1. What’s the difference between debit card alerts and account alerts?
   Debit card alerts will alert you instantly when your enrolled debit card is used for an enabled alert transaction type or amount. Account alerts will alert you when a transaction is processed for enabled alerts, regardless of how the transaction was made.

Yes, transactions made with your account and routing number or other linked debit cards without limits will continue to be accepted.

If you attempt to use your debit card for a transaction in which you have placed a limit or control, your card will be declined, and you will receive a notification via your delivery preferences stating that your card was declined due to the card controls you set up.

Monthly spending limits start on the first day of each calendar month, regardless of when you first enabled the monthly spending limit. For example: If you enroll and set up a monthly spending limit of $6,000 on the 25th of the month and have already spent $6,000 with your debit card, any further debit card transactions will start to decline until the limit resets on the first of the next month.

When enrolling in card controls and alerts, all debit cards issued to you will be enrolled. Once enrolled, you can enable controls, limits, and alerts for each individual card.

Any new or replacement debit cards issued to you will need to be enrolled and set up.

Yes, debit cards will still be able to be temporarily disabled and enabled when not enrolled in card controls and alerts.

Debit card controls and alerts will allow the payment to go through if the vendor or merchant has not labeled your transaction as a recurring transaction. Additionally, card controls and alerts do not cancel authorized or pre-authorized debit card transactions and cannot be used as a method for stopping payment for authorized or pre-authorized transactions.

Please note that this list is not exhaustive and does not include every specialized scenario.

• Department Stores
  • Department store merchants are retailers that sell general merchandise from departments that usually have separate checkout counters. Products for sale may include apparel, home furnishings, furniture, electronics, cosmetics, housewares, and major household appliances.
• Entertainment
  • Merchants in the entertainment category provide recreation and entertainment services, such as amusement parks, video game retailers, movie theaters, and concerts. Please note this includes managers, performers, promoters, organizers, operators, renters, and sellers of such services.
• Gas Station
  • Gas station merchants sell automobile gasoline, petroleum and petroleum products, aviation fuel, and more. Some retailers may also include convenience stores alongside their fuel options. Other retailers may only be convenience stores typically associated with gas stations, such as Circle K stores without pumps.
• Household
  • Merchants in the household category primarily sell or service household appliances and housewares. Products for sale may include stoves, ovens, refrigerators, dishwashers, water heaters, washers, dryers, garbage disposals, vacuum cleaners, and other household furniture.
• Personal Care
  • Personal care merchants can include retailers that sell primarily personal care and hygiene products, as well as facilities that provide nursing and personal care services.
• Restaurant
  • Restaurants include dine-in, take-out, fast food, and drink establishments. This may also include eating establishments located within other places, such as a hospital restaurant.
• Travel
  • Travel merchants provide products and services related to travel and transportation, such as airlines, charter buses, passenger railways, travel agencies, tour operators, and subways.
• Age-Restricted
  • Merchants that classify as age-restricted sell products or services that require a minimum legal age for purchase.
• Grocery
  • Grocery merchants sell a complete line of food merchandise for individual/home consumption. Typical products for sale include perishable items, meat, produce, dairy products, canned, frozen, prepackaged, dry foods, and non-perishable food items. These retailers may also sell a limited selection of housewares and household items, cleaning products, cosmetics, greeting cards, and personal hygiene products.
• Other
  • This applies to retailers whose merchant type cannot be identified.