Control and protect your debit card anytime, anywhere: choose how much money can be spent and at what locations, receive real-time alert messages when your card is approved or denied, and turn your card “off” and “on” again if it is misplaced or stolen.
With our CardGuard™ service, you have the convenience and peace of mind to manage your debit card through both Online and Mobile Banking. CardGuard makes it easy to quickly add your debit card to Apple Pay® or Google Pay™ on your mobile device.
Easily manage your debit card through the FNB Direct mobile app and Online Banking.
Receive real-time alerts on authorized or declined transactions for your account.
Turn your card "off" and "on" again in the event of a misplaced or stolen card.
Enroll in FNB Online Banking and make banking easier with the ability to access your accounts anytime, anywhere.
Get StartedOur CardGuardTM Features
Use the tabs below to learn more about the great features offered through CardGuardTM
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Each Location Control can be toggled on individually (My Location, My Regions or Block International Transactions), but we will walk through enabling My Location.
Follow along with the image carousel on your own device to complete each step.
Step One:
Select Locations.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Each Location Control can be toggled on individually (My Location, My Regions or Block International Transactions), but we will walk through enabling My Location.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select the toggle button for My Location.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Each Location Control can be toggled on individually (My Location, My Regions or Block International Transactions), but we will walk through enabling My Location.
Follow along with the image carousel on your own device to complete each step.
Step Three:
Select OK to continue the control-enabling process.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Each Location Control can be toggled on individually (My Location, My Regions or Block International Transactions), but we will walk through enabling My Location.
Follow along with the image carousel on your own device to complete each step.
Step Four:
Select the Go to Settings button.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Each Location Control can be toggled on individually (My Location, My Regions or Block International Transactions), but we will walk through enabling My Location.
Follow along with the image carousel on your own device to complete each step.
Step Five:
Allow location access. We recommend selecting Always so your current location can be used for security purposes, CardGuard controls, and to display the ATMs and branches near you.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Each Location Control can be toggled on individually (My Location, My Regions or Block International Transactions), but we will walk through enabling My Location.
Follow along with the image carousel on your own device to complete each step.
Step Six:
After returning to the toggle options for Location Controls, select Back in the top left to return to all controls.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Each Location Control can be toggled on individually (My Location, My Regions or Block International Transactions), but we will walk through enabling My Location.
That's it!
Selected options can be updated at any time within Location Controls.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Merchant Controls enables you to choose the types of merchants where your card can be used.
Follow along with the image carousel on your own device to complete each step.
Step One:
Select Merchant Types.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Merchant Controls enables you to choose the types of merchants where your card can be used.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select the toggle button for Enable Merchant Controls.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Merchant Controls enables you to choose the types of merchants where your card can be used.
Follow along with the image carousel on your own device to complete each step.
Step Three:
Select the toggle buttons for the categories for which you would like to enable controls. In the example image, Department Store, Gas Station, Grocery, Household, Personal Care and Restaurant are selected.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Merchant Controls enables you to choose the types of merchants where your card can be used.
Follow along with the image carousel on your own device to complete each step.
Step Four:
Select the Apply button, and then select Back to return to all controls.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Merchant Controls enables you to choose the types of merchants where your card can be used.
Follow along with the image carousel on your own device to complete each step.
That's it!
Selected options can be updated at any time within Merchant Types.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Transaction Controls enables you to choose the types of transactions for which your card can be used.
Follow along with the image carousel on your own device to complete each step.
Step One:
Select Transaction Types.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Transaction Controls enables you to choose the types of transactions for which your card can be used.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select the toggle button for Enable Transaction Controls.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Transaction Controls enables you to choose the types of transactions for which your card can be used.
Follow along with the image carousel on your own device to complete each step.
Step Three:
Select the toggle buttons for transaction types to allow transactions in those categories. In this example, In-Store, Online and ATM transaction types are enabled.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Transaction Controls enables you to choose the types of transactions for which your card can be used.
Follow along with the image carousel on your own device to complete each step.
Step Four:
Select Apply, and then select Back to return to the list of all controls.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Transaction Controls enables you to choose the types of transactions for which your card can be used.
Follow along with the image carousel on your own device to complete each step.
That's it!
Selected options can be updated at any time within Transaction Types.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Spend Controls enables you to choose a spend limit for transactions, and any transaction that exceeds that limit will be denied.
Follow along with the image carousel on your own device to complete each step.
Step One:
Select Spend Limits.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Spend Controls enables you to choose a spend limit for transactions, and any transaction that exceeds that limit will be denied.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select the toggle button for Per Transaction. Enabling this control allows you to set a dollar amount restriction for transactions.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Spend Controls allows you to choose a spend limit for transactions, and any transaction that exceeds that limit will be denied.
Follow along with the image carousel on your own device to complete each step.
Step Three:
Enter the restriction amount for each transaction. In this example, $500.00 is entered.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Spend Controls allows you to choose a spend limit for transactions, and any transaction that exceeds that limit will be denied.
Follow along with the image carousel on your own device to complete each step.
Step Four:
Select the Apply button, and then select Back to return to the list of all controls.
With Control Preferences, you can set parameters (by locations, merchant types, transaction types and spend limits) that instruct FNB to approve or deny transactions on your behalf.
Enabling Spend Controls allows you to choose a spend limit for transactions, and any transaction that exceeds that limit will be denied.
Follow along with the image carousel on your own device to complete each step.
That's it!
Selected options can be updated at any time within Spend Limits.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Each location alert can be toggled on individually (My Location, My Regions or International), but we will walk through enabling My Location.
Follow along with the image carousel on your own device to complete each step.
Step One:
Under the Alerts tab, choose Alert for selected card activities, and then select Locations.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Each location alert can be toggled on individually (My Location, My Regions or International), but we will walk through enabling My Location.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select the toggle for My Location.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Each location alert can be toggled on individually (My Location, My Regions or International), but we will walk through enabling My Location.
Follow along with the image carousel on your own device to complete each step.
Step Three:
Select OK to continue the alert-enabling process.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Each location alert can be toggled on individually (My Location, My Regions or International), but we will walk through enabling My Location.
Follow along with the image carousel on your own device to complete each step.
Step Four:
Select the Go to Settings button.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Each location alert can be toggled on individually (My Location, My Regions or International), but we will walk through enabling My Location.
Follow along with the image carousel on your own device to complete each step.
Step Five:
Allow location access. We recommend selecting Always so your current location can be used for security purposes, CardGuard controls and/or to display the ATMs and branches near you.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Each location alert can be toggled on individually (My Location, My Regions or International), but we will walk through enabling My Location.
Follow along with the image carousel on your own device to complete each step.
Step Six:
After returning to the toggle options for Location Controls, select Back in the top left to return to all controls.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Each location alert can be toggled on individually (My Location, My Regions or International), but we will walk through enabling My Location.
That's it!
Selected options can be updated at any time within Location Alerts.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling merchant alerts will send alerts when your card is used with selected types of merchants.
Follow along with the image carousel on your own device to complete each step.
Step One:
Select Merchant Types.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling merchant alerts will send alerts when your card is used with selected types of merchants.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select the toggle button for Enable Merchant Alerts.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling merchant alerts will send alerts when your card is used with selected types of merchants.
Follow along with the image carousel on your own device to complete each step.
Step Three:
Select the toggle buttons for the categories for which you would like to enable alerts. In this example, Department Store, Gas Station, Grocery, Household, Personal Care and Restaurant are selected.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling merchant alerts will send alerts when your card is used with selected types of merchants.
Follow along with the image carousel on your own device to complete each step.
Step Four:
Select the Apply button, and then select Back to return to all controls.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling merchant alerts will send alerts when your card is used with selected types of merchants.
Follow along with the image carousel on your own device to complete each step.
That's it!
Selected options can be updated at any time within Merchant Types.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling transaction alerts will send alerts when your card is used with selected types of transactions.
Follow along with the image carousel on your own device to complete each step.
Step One:
Select Transaction Types.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling transaction alerts will send alerts when your card is used with selected types of transactions.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select the toggle button for Enable Transaction Alerts.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling transaction alerts will send alerts when your card is used with selected types of transactions.
Follow along with the image carousel on your own device to complete each step.
Step Three:
Select the toggle buttons for transaction types to receive alerts for transactions in those categories. In this example, In-Store, Online and ATM transaction types are enabled.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling transaction alerts will send alerts when your card is used with selected types of transactions.
Follow along with the image carousel on your own device to complete each step.
Step Four:
Select Apply, and then select Back to return to the list of all alerts.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling transaction alerts will send alerts when your card is used with selected types of transactions.
Follow along with the image carousel on your own device to complete each step.
That's it!
Selected options can be updated at any time within Transaction Types.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling spend limit alerts allows you to choose a transaction spend limit. You will be alerted for any transaction that exceeds that spend limit.
Follow along with the image carousel on your own device to complete each step.
Step One:
Select Spend Limits.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling spend limit alerts allows you to choose a transaction spend limit. You will be alerted for any transaction that exceeds that spend limit.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select the toggle button for Per Transaction. Enabling this alert allows you to set a dollar amount and receive a notification when anything above that amount is spent.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling spend limit alerts allows you to choose a transaction spend limit. You will be alerted for any transaction that exceeds that spend limit.
Follow along with the image carousel on your own device to complete each step.
Step Three:
Enter the transaction amount limit that will trigger an alert for each transaction above that limit. In this example, $500.00 is entered.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling spend limit alerts allows you to choose a transaction spend limit. You will be alerted for any transaction that exceeds that spend limit.
Follow along with the image carousel on your own device to complete each step.
Step Four:
Select the Apply button, and then select Back to return to the list of all controls.
With Alert Preferences, you can set parameters to receive notifications on where, when and how your card is used.
Enabling spend limit alerts allows you to choose a transaction spend limit. You will be alerted for any transaction that exceeds that spend limit.
Follow along with the image carousel on your own device to complete each step.
That's it!
Selected options can be updated at any time within Spend Limits.
Spend Insights enables you to understand your spending habits by providing insights into what, when and where transactions occurred with your FNB debit card.
Within the What tab, you will see how much you spent in the selected month and the details of each transaction.
Follow along with the image carousel on your own device to complete each step.
Step One:
Under the What tab, select a month. In this example image, October was selected.
Spend Insights enables you to understand your spending habits by providing insights into what, when and where transactions occurred with your FNB debit card.
Within the What tab, you will see how much you spent in the selected month and the details of each transaction.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Under Recent Transactions, select a purchase type category. In this example, Gas Stations was selected.
Spend Insights enables you to understand your spending habits by providing insights into what, when and where transactions occurred with your FNB debit card.
Within the What tab, you will see how much you spent in the selected month and the details of each transaction.
Follow along with the image carousel on your own device to complete each step.
Step Three:
Select an individual transaction to see the merchant and service provider's details, including the time and date the transaction posted. select Back to return to the main screen.
Spend Insights enables you to understand your spending habits by providing insights into what, when and where transactions occurred with your FNB debit card.
This example displays a bar chart to show the amount spent per month and the associated transactions.
Follow along with the image carousel on your own device to complete each step.
Step One:
Under the When tab, select a month. In this example image, October was selected. This will populate the total spent for the month on the chart.
Spend Insights enables you to understand your spending habits by providing insights into what, when and where transactions occurred with your FNB debit card.
This example displays a bar chart to show the amount spent per month and the associated transactions.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select a month under Recent Transactions. In this example, October was selected.
Spend Insights enables you to understand your spending habits by providing insights into what, when and where transactions occurred with your FNB debit card.
This example displays a bar chart to show the amount spent per month and the associated transactions.
Follow along with the image carousel on your own device to complete each step.
Step Three:
Select an individual transaction during that month. This will show the details for the merchant or service provider. Select Back to return to the main screen.
Spend Insights enables you to understand your spending habits by providing insights into what, when and where transactions occurred with your FNB debit card.
This example displays your transactions on a map, including the number of transactions and the transaction total for each.
Follow along with the image carousel on your own device to complete each step.
Step One:
Under the Where tab, select a month. In the example image, October was selected.
Spend Insights enables you to understand your spending habits by providing insights into what, when and where transactions occurred with your FNB debit card.
This example displays your transactions on a map, including the number of transactions and the transaction total for each.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select a location under Transactions on Map. In this example image, Pennslyvania was selected.
Spend Insights enables you to understand your spending habits by providing insights into what, when and where transactions occurred with your FNB debit card.
This example displays your transactions on a map, including the number of transactions and the transaction total for each.
Follow along with the image carousel on your own device to complete each step.
Step Three:
Select a specific transaction. This will show the details for the merchant or service provider. Select Back to return to the main screen.
Card on File enables you to track the online merchants storing your card information for convenient one-time and recurring payments.
This tab assists you with keeping track of the merchants that, during the past 12 months, have stored your card information for recurring payments (e.g., subscriptions, memberships, etc.)
Follow along with the image carousel on your own device to complete each step.
Step One:
Select the Recurring Payments tab, and then select a merchant or service provider.
Card on File allows you to track the online merchants storing your card information for convenient one-time and recurring payments.
This tab assists you with keeping track of the merchants that, during the past 12 months, have stored your card information for recurring payments (e.g., subscriptions, memberships, etc.)
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select a merchant or service provider. This will show a list of recurring transactions with that particular merchant or service provider. Select Back to return to the main screen.
Card on File allows you to track the online merchants storing your card information for convenient one-time and recurring payments.
This tab shows you where a card is stored on file with a merchant or service provider.
Note: This list is maintained for the purpose of customer information only. You should contact merchants and service providers directly to update or remove your card information on file.
Follow along with the image carousel on your own device to complete each step.
Step One:
Select the Card on File tab.
Card on File allows you to track the online merchants storing your card information for convenient one-time and recurring payments.
This tab shows you where a card is stored on file with a merchant or service provider.
Note: This list is maintained for the purpose of customer information only. You should contact merchants and service providers directly to update or remove your card information on file.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select a merchant or service provider. This will show a list of recurring transactions with the selected merchant or service provider where your card is stored. In this example image, Armstrong Cable Services was selected. Select Back to return to the main screen.
This feature allows you to set your travel plans (destination(s), date of departure and date of return) directly within CardGuard without having to notify us. Up to two travel plans can be added at time, with each plan spanning a maximum of 15 days and accommodating 15 destinations in total. Travel notifications help ensure your card is not denied, allowing for uninterrupted travel.
Follow along with the image carousel on your own device to complete each step.
Step One:
Select the (+) symbol to add a travel plan.
This feature allows you to set your travel plans (destination(s), date of departure and date of return) directly within CardGuard without having to notify us. Up to two travel plans can be added at time, with each plan spanning a maximum of 15 days and accommodating 15 destinations in total. Travel notifications help ensure your card is not denied, allowing for uninterrupted travel.
Follow along with the image carousel on your own device to complete each step.
Step Two:
Select Destinations to add where you will be traveling.
This feature allows you to set your travel plans (destination(s), date of departure and date of return) directly within CardGuard without having to notify us. Up to two travel plans can be added at time, with each plan spanning a maximum of 15 days and accommodating 15 destinations in total. Travel notifications help ensure your card is not denied, allowing for uninterrupted travel.
Follow along with the image carousel on your own device to complete each step.
Step Three:
Search for the country or state where you will be traveling to and add each location (if more than one). Locations can be removed by selecting the (-) symbol.
This feature allows you to set your travel plans (destination(s), date of departure and date of return) directly within CardGuard without having to notify us. Up to two travel plans can be added at time, with each plan spanning a maximum of 15 days and accommodating 15 destinations in total. Travel notifications help ensure your card is not denied, allowing for uninterrupted travel.
Follow along with the image carousel on your own device to complete each step.
Step Four:
Select Date of Departure, and then choose then choose the date when you will start traveling.
This feature allows you to set your travel plans (destination(s), date of departure and date of return) directly within CardGuard without having to notify us. Up to two travel plans can be added at time, with each plan spanning a maximum of 15 days and accommodating 15 destinations in total. Travel notifications help ensure your card is not denied, allowing for uninterrupted travel.
Follow along with the image carousel on your own device to complete each step.
Step Five:
Select Date of Return, and then choose the date when you will return from traveling. Then select Submit.
This feature allows you to set your travel plans (destination(s), date of departure and date of return) directly within CardGuard without having to notify us. Up to two travel plans can be added at time, with each plan spanning a maximum of 15 days and accommodating 15 destinations in total. Travel notifications help ensure your card is not denied, allowing for uninterrupted travel.
Follow along with the image carousel on your own device to complete each step.
That's it!
Your travel plan can be removed or adjusted by simply selecting on it under Travel Plans.
To begin using CardGuardTM you need to have access to Online or Mobile Banking. See below on how to enroll in these services. Note that the User ID and Password you select will be used for both Online and Mobile Banking.
Online Banking
Visit Online Banking to enroll now. Once enrolled, simply click on the CardGuardTM icon at the top right-hand side of the page.
Mobile Banking
Download the FNB Direct Mobile Banking app from the Apple App Store®
or Google Play™2. After downloading and installing, simply login in and tap the CardGuardTM icon within the eStore® and Account Services drawer.
1 - The downloadable app is free. Your mobile carrier may charge access fees depending on your individual plan. Web access is needed to use the Mobile Banking app. Check with your carrier for specific fees and charges. Message and data rates may apply. Check with your carrier for details. System availability and response times are subject to market conditions.
2 - Apple is a registered trademark of Apple, Inc. Google Play and the Google Play logo are trademarks of Google LLC.
- By clicking this link you agree to leave FNB's website and will be routed to a third-party app store to access our mobile apps. While FNB controls what is available on our app store listing, we do not control nor is FNB responsible for any products, services or overall content available on these third-party app stores. FNB does not endorse or guarantee the product, information or any third party's website. FNB's privacy policy does not apply to any non-FNB products, services or apps you may access through these sites.
