SecurLock Equip

Control Your accounts on-the-go with the SecurLock™ Equip!

American Eagle Financial Credit Union members now have the ability to safely and conveniently control their credit and debit card(s) account settings with SecurLOCK Equip free mobile app. Cardholders can control how, when and where their credit and debit cards are used right from their smartphones. It provides members a simple and secure way to protect themselves from fraudulent transactions.

Features and Benefits

Ultimate control and peace of mind. Using the SecurLOCK Equip mobile app, cardholders can protect their cards directly from their phone with the following features:

  • Instant Transaction Alerts – you can act instantly on real-time transaction alerts.
  • Switch Card On/Off – Lock or unlock cards with a single touch. Auto-lock turns on a card for a specified time or for a certain number of purchases, locking it afterward. With total control over your cards, you can feel truly confident and secure.
  • Control by Location – Limit card activity by location, either by keeping cards active only around their person or by limiting card usage to a region on a map.
  • Control Preferences – Set merchant categories (grocery, retail, gas, travel, etc.), transaction types (ATM transactions, online transactions, recurring charges, etc.), and spending limits.

Download SecurLOCK Equip from your app store. It is fast and FREE!

It is simple. If you have an iPhone, download the app from the Apple store. If you have an Android phone, download the app from the Google Play store. Once the app has successfully downloaded to your smartphone you can register your cards.

 

Supported devices include: Android – version 4.1 or later and Apple (iOS) – device model 4S, 5, 5C, 5S, 6, or 6 Plus with iOS operating system version 6, 7, or 8 and all future device/release going forward.

FAQs

By turning my card off am I closing my account?

No.  Using the card controls does not change the status of your account.

Can I use My Location, My Region and International at the same time?

Where My Locations and My Region work independently or together neither can be used in conjunction with International.

How many cards can I register?

Unlimited. But the card(s) must have been issued from American Eagle Financial Credit Union.

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

It happens immediately after you set and save the option.

How long will my transaction history display?

The last 50 transactions will display in the app for thirty calendar days.

I only want to manage one of my cards, but they're all being displayed.

To select the card(s) you wish to manage, go to Settings and choose Manage Portfolio. 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.

I received a new card number. Will it be automatically updated in the app?

You will have to add the new account to the app.  This can be done by going to Manage Account and adding the card.  Be sure to “unmanage’ the old card.

I turned my card on and set My Location. I was at the merchant, and my transaction was still declined. Why?

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 could also be declined because of external factors like non-sufficient funds or fraud monitoring.

If I have my card turned off will my recurring transactions go through?

Yes. Merchant recurring transactions will be approved. Additionally, you can select to receive alerts on recurring transactions as well.

Is Touch ID available on Android phones?

Not at this time. Currently available on iPhone only.

My alerts are supposed to notify me of every transaction, but I am not receiving them.

Only the primary device will receive alerts. Use the settings menu in the app to set your device as primary.

My pending purchase shows it is for more than I paid. Why?

Some merchants send pre-authorizations at higher amounts to test cards' 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 will clear your account for the correct amount.

Once I get a new replacement smartphone how do I begin using the service again?

Just download the app to your new smartphone and login with your current user id and password. You can then set your controls and alert preferences.

Once I register my cards how do I begin managing and monitoring my payment activity?

You can begin using the service immediately.   By turning the card off the little green button in the top right corner of the card image will turn to red.  This means that all transactions (expect for reoccurring) will be declined.  When ready to make a purchase simply turn the card bank on.  It is that easy.  Now you have the ultimate control to combat fraud.

After you become comfortable with the on/off function you can start selectively setting controls and alters by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spend limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts and much more.

What are Alert Preferences?

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.

What if I am having trouble during registration?

Please use the Contact Us button at the top of the menu screen and one of our American Eagle Financial Credit Union support agents will be more than happy to assist you.

What if I need help with the app?

There is a "Help" function within the app as well as a "Contact Us" category where you can call 800.842.0145 and speak with a support agent.

What if my smartphone is stolen? How secure is the app?

The app requires a password to access the app. Also, there is no personal information stored on the smartphone. The app only displays the last four digits of your card number.

What is a real-time alert?

It is an immediate notification sent to the phone. You can select to be alerted on all your payment transactions including recurring payments or you can select just preferred transactions. Preferred alerts are available by spend limits, location, transaction type and merchant category.