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For Your Information

What is CardNav?

CardNav is a smartphone application that enables you to protect your debit cards with real-time control.

Using CardNav you can instantly set the terms for when, where, and how your cards are used. Simply look for the features in our Ulster Federal Credit Union mobile banking application (Debit Card Controls).

What are the benefits of CardNav?

  • Control when and where your card is used
  • Receive near-real-time notifications to alert you of any unauthorized use
  • Secure your accounts by locking your card when not in use and unlocking for use
  • Control dependent purchases to avoid misuse

Who can use CardNav?

Any member of Ulster FCU with a Debit Card attached to their draft (checking) account, and signed up for Online Banking can use CardNav. 

Does CardNav cost anything?

At this time CardNav is free to use.

How do I get CardNav?

CardNav is downloaded through the Ulster FCU App. From the App's main menu, tap on Debit Card Controls and CardNav will automatically load.



Q:           Can the app be controlled from a desktop or laptop computer?
A:           No, this is a mobile app and is controlled by a smartphone or iPad.

Q:           Does location functionality depend on phone signal?
A:           An alert is triggered or a control is initiated by in-store transactions that occur outside of the area where your primary mobile device is located. The mobile device must have location services (GPS) enabled with permission to use the current location. If your phone is turned off, without cellular service, or does not provide GPS location coordinates it will use the last saved GPS location.

However, if this situation occurs for more than eight hours, CardNav temporarily ignores the My Location policies. Transactions would not trigger alerts or control denials based on My Location preferences during this time; however an alert would be generated informing you that a transaction was conducted.

Q:           How long can I leave a card “off”?
A:           You can turn your cards off, leave them off as long as you want to, and only turn them back on when you want to perform transactions.

Q:           How many cards can each user set up?
A:           There is no limit to the number of cards that you can set up, as long as the account is with a credit union offering CardNav.

Q:           What if I have my card turned off and a recurring utility bill wants to charge my card? Will that transaction be denied?
A:           When the card is off, most card transactions are denied by CardNav and alerts are generated for attempted transactions. However, Auto-pay transactions and credits (deposits, returns and reversals) are exempt from this high-level control.