CardGuard

FNB Direct Mobile Banking with CardGuard

Imagine having the ability to control and protect your debit card; control how much money can be spent and at what locations; receive real-time alert messages when your card is approved or denied; even being able to turn your card off and on again in the event it was misplaced or stolen. Now imagine all of this convenience in the palm of your hand. 

Introducing CardGuard, the newest feature of the FNB Direct Mobile Banking app. Now you have the convenience and peace of mind to manage your debit card via our mobile banking service.

  • Guard against unauthorized usage by turning your card off in the event of a misplaced card
  • Control your spending by setting dollar limits on debit card transactions
  • Allow transactions within defined physical locations you set
  • Enable or disable spending for certain merchant categories such as retails stores, entertainment venues, and gas stations
  • Receive real-time alerts on authorized or declined transaction attempts

Guard Against Fraud

One of the unique features of CardGuard is the ability to turn your debit card “off” and “on” again to suspend card activity from occurring on your account. This is a valuable tool when you misplace or cannot locate your card. When you enable the “Block All Transactions” option within the FNB Direct Mobile Banking app, your card will appear with the message “Debit Card is blocked”. This indicates that you no longer want the bank to approve any FNB debit card transactions until you turn your card back "on" again. As a result, the bank will not allow point-of-sale purchases, cash advances or ATM withdrawals to occur while your card is blocked. Please note that previously authorized or recurring transactions will not be blocked.

Control Is In Your Hands

With CardGuard you can also control where your card is used. You can enable or disable spending at certain Merchant Categories such as Retail Stores and Gas Stations, among other merchant locations. Additionally, you can restrict transactions “geographically” either outside of the United States or by specifying an area on a map or by an address. It should be noted that previously authorized, recurring transactions cannot be blocked. Also, Internet-based transactions cannot be blocked using geographic restrictions. If we cannot determine the type of Merchant Category or the location of the merchant, we will be unable to block the transaction.

Frequently Asked Questions

Q. Is CardGuard free?
A. Yes. CardGuard is free and is an integral part of FNB’s free Mobile Banking app.

Q. What do I need to have in order to use CardGuard?
A. To use CardGuard:
  1. You must first be enrolled in Online Banking (your Online Banking User ID and Password are used to access Mobile Banking)
  2. You need the FNB Direct Mobile Banking app which is available from the Apple App Store or Google Play
  3. You need to have an Apple iPhone or Android smartphone with Internet access
  4. You need to have an eligible FNB consumer or small business debit card linked to a FNB deposit account

Q. How long does it take to turn my debit card off if I misplace it?
A. Using your iPhone or Android smartphone and the FNB Direct Mobile Banking app it takes only seconds to turn your debit card off and block further transactions.

Q. Once I find my card can I turn it back on again?
A. Yes. As soon as you find your card you can log back into the app and remove the block. This will allow your card to function as it did previously. As easy as it is to turn off your debit card – turning it back on is just as simple and quick.

Q. What should I do if I lose my card?
A. If you lose your card the first step is to log into the FNB Direct Mobile Banking app and navigate to the CardGuard feature. Once there, enable the “Block All Transactions” option to block your card. If you have multiple cards you must first locate the correct card by scrolling through the list of available cards. Once you’ve determined that your card is actually lost you can call us at 1-800-555-5455 to request a new card.

Q. How often can I use the on/off feature and the other CardGuard features?
A. You can enable or disable CardGuard controls at any time, as often as you’d like.

Getting Started

CardGuard is now an option within the FNB Direct mobile app. For current users simply select the CardGuard option and follow the prompts to utilize CardGuard’s many features. If you are not yet an FNB Direct Mobile Banking user enroll today in our Online Banking service. Then simply download* the FNB Direct app online from the Apple App Store or Google Play.

*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.