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CardValet

Your debit card, on your terms

It's time to get the mobile app that lets you control your Greylock debit card usage and spending on the go. CardValet allows you to:

  • Turn your Greylock debit card on and off
  • Set locations where your card can be used
  • Restrict transactions based on merchant type
  • Establish transaction amount limits
  • Schedule alerts for certain transaction types

Download the CardValet app for your Apple iOS or Google Android device and manage your cards directly from your phone!

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Frequently Asked Questions

• General •

What types of phones are supported by CardValet?

CardValet works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.

Does CardValet work for ATM cards?

No. CardValet currently supports debit cards and credit gateway transactions.

Can I unsubscribe from CardValet?

Yes. There are multiple ways that you can unsubscribe from CardValet.

You can unsubscribe through the CardValet application via Manage Portfolio. To unsubscribe, uncheck all cards and accounts and tap OK. When you unsubscribe, all previously set alerts and controls are no longer in effect. You continue to be considered active for the month that you unsubscribed, and may be billed if a transaction was performed or an alert was received.

How long does the app stay logged in if I do not log out?

The app automatically logs you off after 10 minutes of inactivity.

How will names appear on the card within this app?

Names are displayed as last name then first name.
Example: DOE JOHN

Does CardValet reflect the card status?

Yes. The Card Details section displays the card status—Active, Inactive, or Restricted.

What is included in "Spent on card this month"?

"Spent on card this month" displays the total amount that is calculated from the cumulative spending on all managed cards in the month to date. At the end of every month, the system automatically resets your monthly spending amount to zero (0). Deposits and refunds are deducted from the total.

What is included in "Spent this month"?

"Spent this month" displays on the back of a specific card and is the total amount that is calculated from the cumulative spending for that card. At the end of the month, the total resets to zero (0). Deposits and refunds are deducted from the total.

On the Login screen, why is the message: "Logon Failed. Please enter a valid username or password" displaying even though I am entering the correct password?

Each time you enter an incorrect username or password the message displays, on the third attempt the account is disabled; for security reasons the message continues to display even if you enter the correct username/password. To reset, please contact us.

Can I use CardValet on the phone I brought from my home country?

During a new phone activation process, you select your resident country. From an App store perspective, this selection determines your native country. When publishing an app on Apple or Google App stores, the publisher designates the territories where the app will be available. CardValet is set up as a United States app. Smartphone users will only be able to download apps that are available in their native territory (or country) even if they happen to be visiting or relocating to a foreign country where different apps may be available.
This has the following implication:

  • If the native country set up on the phone and the app territory do not match, you cannot use the app on your phone.
  • CardValet is specifically set up for the US, so phones set up for any other territory cannot use the CardValet app.

• Registration •

What are the CardValet password requirements?

CardValet passwords must be at least 8 characters in length and must contain at least 1 upper case character, 1 lower case character, 1 number, and 1 special character.

If I have two cards from different financial institutions that support CardValet; can I register both cards with CardValet?

You must create a unique login account for each financial institution. Each login account is applicable for a single financial institution. On the login page, the logo of the last logged-in financial institution shows.

If my address is longer than 20 characters what should be entered?

CardValet accepts an address of up to 50 characters. The address and ZIP code should match the address located on your cardholder record.

Can multiple cards be linked to one registered CardValet account?

Yes. You can register multiple cards within a single CardValet app. Additional cards can be added within the Menu>Manage Portfolio>Add Card screen.

How many cards can you register within a single CardValet application?

There is no limit.

When loading more than one card on a device, what type of information do I need in order to register each card?

You need to enter the same level of detail entered for the original card. This information generally includes the:

  • Card Number
  • Address
  • ZIP code
  • Expiration Date
  • CVV/CVC Code

Secondary authentication includes:

  • Security token sent in an email
  • Last 4 digits of your social security number

Multiple individuals can register the same card as long as they know the card details. Typical examples of multiple individuals registering one card include: parents/dependents; spouses; and employers/employees.

You can download the card on multiple devices but are requested to indicate which device is primary. What is the purpose of assigning a primary device? Can I make changes to the settings from the nonprimary devices?

The primary device is used to track the GPS for "My Location" alerts and controls and all merchant and threshold alerts will be sent to the primary device. All devices that have registered a particular card can view or change the CardValet settings for that card. Controls (including the On/Off setting) are set at the card level, so the last update to a control will be honored regardless of which phone was used to make the change. Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device. The primary device can be re-set by accessing Settings>Primary Device.

If I register a card for a child, what stops the child from changing the controls placed on the card?

Each person who registers a card will have access to controls for the card. In many cases, the child will not know about CardValet unless the parent shares the information.

As part of the registration process, CardValet may prompt you to enter the amount of a PIN-based transaction performed in the past 72 hours. What if I don't use PIN’d transactions? What if I just use my card as signature only?

You are requested to perform a PIN-based transaction. The amount entered is compared to the historical transaction data. The PIN based transaction may be performed at an ATM or to make a purchase.

When I receive a reissued or replacement card, will I have to update my cards within the application?

If the card number is new, then you must add the new card number to your profile. In addition, you may unmanage the old card by accessing "Manage Portfolio".

What if I am having issues registering and cannot get past the SSN?

Contact us.

Can I re-enroll in CardValet if I previously unsubscribed?

Yes. Register as a new user. You are equired to select a new user name; if you enter your previous user name an error displays. Upon successful registration, you may once again use CardValet.

• Controls & Alerts •

What exactly is the range of the "My Location" controls, and will this control setting impact internet transactions?

The "My Location" controls and alerts will check to ensure the merchant location is within a 5-mile radius of the device set as primary within CardValet. These controls impact card present transactions only, therefore internet transactions are not impacted.

If "My Location" is set but the primary device is off, will transactions be denied outside of the "My Location" area?

CardValet ignores location information that is more than 8 hours old. So, if the phone is off for more than 8 hours, "My Location" controls will not take effect, and the transaction will not be denied on the basis of the old location information.

What happens if "My Location" is set but the phone is left at home? Will transactions be denied outside the "My Location" area?

CardValet performs a proximity check at the granularity of ZIP code or city, so if the merchant is close to home, then the transactions will still go through.

Can I turn on "My Location" for a dependent’s card? How will it work?

"My Location" is only effective for the enrolled user. To limit the dependent's card, you can use the "Region Location" feature. You can set up to 3 regions using the map to designate the area. The regions are effective for all users with the same card number.

A region has been set on the map. Does this mean the card can only be used in this region?

The region shows the approximate area where the card can be used; the area must be greater than 5 square miles. CardValet can typically map the transaction down to a ZIP code or city. If the city or ZIP code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a ZIP code or city, in which case CardValet will default to a state-level match.

Can I block all international transactions?

Yes. International transactions can be blocked using the "Block International" location control. Transactions will be limited to the United States.

Does "Block International" also block international Internet (card not present) transactions?

No. The location controls are applicable to in-store transactions only.

Will location controls, merchant controls, threshold controls, and turning the card off impact previously authorized recurring transactions?

Previously authorized recurrent payments will continue to process and will bypass the CardValet edit checks.

How long does it take for a control or alert setting to take effect?

Control settings take effect as soon as the "Updating information" message in the app stops.

How do I turn on alert/control for an ATM transaction?

ATM transactions are categorized within "Others" merchant type.

How do I turn off notifications at certain times, such as when I am sleeping?

You can set the "Do Not Disturb" time that will suppress notification during the set time. Some notifications will still be delivered, for example, any transaction denial, or any transaction that is a card-present authorization.

Are the alerts sent as email or push notifications to my device?

CardValet alerts are sent as push notifications to your phone. The alerts also display under "Messages" in the CardValet app.

If I have set an alert for international transactions and no controls are set, will I receive alerts for all international transactions regardless of whether the transaction is blocked or successful?

Yes. An alert is generated regardless of whether or not a control preference is set.

If I set multiple alerts and a transaction violates these alerts, will I receive a separate message for each alert?

No. The alerts are consolidated into one message. Example: if the message has violated "Threshold" and "Location" settings, then you will see only one alert and not multiple alerts.

When is the low balance alert generated?

CardValet updates the balance under two conditions:

  • When you log into CardValet
  • When you tap Refresh

Even if the balance has fallen below the threshold that has been set, it is only updated when you log into the app or tap Refresh, which then triggers the alert.

Why did I receive an alert for a denied transaction if it was not set?

Alerts are always sent for denied transactions, a deposit or refund, when a shared user changes a control setting, or if the card status changes.

• Transactions •

Does the app show recent transaction history?

Yes. The app shows last 50 card-based transactions posted within last 30 days.

A threshold limit of $50 has been set, but I cannot fill my vehicle with gas in some stations. Why?

Some merchant types will preauthorize the card for an amount that may be larger than the actual transaction amount. In this instance the preauthorization amount must meet the threshold spend limit.

A threshold limit of $50 has been set, but I can fill my vehicle with gas in some stations for more than $50. Why?

CardValet controls are only invoked during authorization of a transaction. In some cases, such as at gas stations, a card may be tested for validity by doing a $1 preauthorization, and the actual transaction amount is charged to the card after the transaction.

Some gas stations will preauthorize for a maximum amount,
example: $126, and some gas stations will check validating,
example: $1. In the latter case, the actual transaction amount may exceed the limit, while in the former case, an authorization may be denied.

What type of transactions display in CardValet?

CardValet only shows the transactions that are performed with the card. It does not show the transactions that are done on the account but without using your card.

Will the balance be updated to include teller transactions?

The balance will be updated to reflect the teller transactions if the account processor supplies the updated balance. The balance is updated the next time you log into CardValet.

Does the "30 days of transaction history" start when the app is loaded and I register, or is the history viewable in the app as soon as I register?

The "30 days of transactions" begin when you register in CardValet.