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For Your Information

The SecurLOCK Equip mobile app is a personal fraud prevention tool that works directly with your Ulster Federal Credit Union Credit Card. This app is a simple and secure way to manage and monitor your payment transaction activity, and it provides instant notifications when your card is used.


Securlock logo

The SecurLOCK Equip mobile app can be quickly downloaded and is easy to set up. After the app is installed on your device, you will be instructed to enter your card number and other authentication information. Once registered, this fraud prevention tool can be used right away. Download the app now by following the links below.

App Store  Google Play Store


The SecurLOCK Equip mobile app allows our members to control their credit cards when and where it is convenient for them. These important features help prevent fraud:

  • The ability to turn your UFCU Credit Card on and off.
  • Allowance to limit transactions by merchant type, transaction type, and location.
  • Control of setting transaction dollar limits.
  • Access to real-time alerts for Credit Card transactions.


Just like any other electronic banking product, you will always be asked to provide your secure username and password when logging in or accessing your information. In addition, the fraud experts at Ulster FCU recommend device passwords for another level of security. 

Use the FCC’s Smartphone Security Checker to take additional steps to secure your device. And, as always, if you have any questions, please contact us or check out our SecurLOCK Equip FAQs listed below.


Q:           What is required to use it?
A:           SecurLOCK Equip requires you have a credit card account issued from Ulster Federal Credit Union. You will also need an Apple or Android smartphone. After downloading the app, you will be instructed to enter your full account number then other authentication information. Once registered, you can begin using the app immediately.

Q:           What if I am having trouble during registration?
A:           Please use the Contact Us option from the main menu of the app and a support representative will be happy to assist you.

Q:          By turning my card off am I closing my account?
A:         No. Using the card controls does not change the status of your account.

Q:           How long does it take for a control or alert setting to take effect?
A:           It happens immediately after you set and save the option.

Q:           If I have my card turned off will my recurring transactions go through?
A:           Yes. Merchant recurring transactions will be approved. Additionally, you can select to receive alerts on recurring transactions as well.

Q:           Can I use My Location, My Region and International at the same time?
A:           Where My Locations and My Region work independently or together, neither can be used in conjunction with International.

Q:           I turned my card on and set My Location. I was at the merchant, and my transaction was still declined. Why?
A:          In the app, go to Transactions, find the one that was denied and open it. Tap the image so it rotates, and the control(s) that were evoked during the authorization will be listed near the bottom. The transaction may have been declined because the merchant terminal is outside the location parameters. It could also be declined because of external factors like non-sufficient funds or fraud monitoring.

Q:           What are Alert Preferences?
A:           Alert preferences let you know every time a card transaction is attempted. You can be alerted for all or preferred transactions. Preferred alerts are also available by location, transaction type, merchant type and threshold amount.

Q:           My alerts are supposed to notify me of every transaction, but I am not receiving them.
A:           Only the primary device will receive alerts. Use the settings menu in the app to set your device as primary.

Q:           Why is my contactless transaction not working?
A:           By default, when transaction controls are enabled, the contactless option is off. Please check your control settings.

Q:           What if I need help with the app?
A:           There is a “Help” function within the app as well as a “Contact Us” category where you can send an email to Ulster FCU or call (800) 847-4283 during regular business hours.

Q:           How long will my transaction history display?
A:           The app will display transactions for the last 30 calendar days – up to the last 50 transactions.

Q:           My pending purchase shows it is for more than I paid. Why?
A:           Some merchants send pre-authorizations at higher amounts to test a card’s validity. For example, a $25 gas purchase might display as $126. Pre-authorizations are common at the pump, for a hotel stay or for a car rental. Even though the charge is listed in the app for more, it should clear your account for the amount authorized. Watch your account on Exchange Online, via your statement and SecurLOCK for final purchase amounts.

Q:           I only want to manage one of my cards, but they're all being displayed.
A:           To select the card(s) you wish to manage, go to Settings and choose Manage Cards. Then uncheck the card or cards you don't want to manage. Once a card is unmanaged, controls and alerts cannot be set for that card.