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For Your Information


CardNav is a free smartphone app that enables you to protect your debit cards with real-time control. You can set the terms for when, where, and how your cards are used - anytime, anywhere! Simply look for the [Debit Card Controls] in the menu of our mobile banking app.

  • Turn your card on and off
  • Set parameters on transaction locations
  • Limit card use to specific merchants or purchases to avoid misuse
  • Control spending by setting limits
  • Receive near-real-time notifications to alert you of any unauthorized use


CardNav is downloaded through the Ulster FCU App. When you are logged in, go to the [Main Menu], and tap on [Debit Card Controls]. Then CardNav will load.


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.