SecurLOCK Equip Control how, when and where your debit card is used SecurLOCK Equip offers features to give you additional control over your Chambers Bank debit card, including: Turn debit card on or off, or control by channel (in-store, online, mobile, ATM, etc.) Set transaction spending limits Select geographic locations where card can be used Set merchant locations View recent transactions Receive alerts Frequently Asked Questions INTRODUCTION & REGISTERING What is SecurLOCK™ Equip? SecurLOCK Equip is a mobile app that allows you to control how, when, and where your debit card is used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your card safe and provide instant notifications whenever your card is used. Note that the SecurLOCK Equip app needs to be downloaded in addition to the Chambers Bank app. What is required to use it? SecurLOCK Equip requires you to have a debit card account issued through Chambers Bank and an Apple or Android smartphone. After downloading the app, you will be instructed to enter your full account number followed by additional authentication information. Once registered, you can begin using the app immediately. How do I get the SecurLOCK Equip app? SecurLOCK Equip is available on Apple and Android mobile devices. 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 mobile device, you can begin the card registration. Is there a fee to use the app? No. The app is free to download and use so that you have more control over your Chambers Bank debit card. How many cards can I register? You can register an unlimited number of cards, but the card(s) must have been issued from Chambers Bank. What kind of mobile devices are supported? Android and Apple (iOS) What if I am having trouble during registration? Please use the Contact Us feature on the bottom of the app and one of our team members will be happy to assist you. Why do you need my email address? Your email address is needed in case you forget your password and need to reset it. CONTROLS & ALERTS Once I register my card, how do I begin managing and monitoring my payment activity? You can begin using the service immediately. When turning off the card, the little green button in the top right corner of the card image inside the app will turn to red. This means that all transactions (except recurring) will be declined. When you’re ready to make a purchase, you can turn the card back on instantly. After you become comfortable with the on/off function, you can start selectively setting controls and alerts 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 is a real-time alert? Real-time alerts are immediate push notifications sent to the app. You can select to be alerted on all 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. By turning my card off am I closing my checking account? No. Using card controls does not change the status of your Chambers Bank checking account. How long does it take for a control or alert setting to take effect? It happens immediately after you set and save the option. If I have my card turned off, will my recurring transactions go through? Yes. Merchant recurring transactions will be approved. You can select to receive alerts on recurring transactions as well. If I lose my card and turn it off in SecurLOCK Equip, will you order me a new one? If you misplace your debit card and turn it off in the app, you can turn it back on via the SecurLOCK Equip app immediately if you find your card. If you lose your debit card and can't find it, after turning it off via the SecurLOCK Equip app, please visit your local branch to complete an application for a new debit card. If you lose your debit card and do not have the SecurLOCK Equip app, please contact us immediately at 1-800-500-1044 so that we can cancel your debit card. Within Control Preferences for Locations, can I use My Location, My Region and International at the same time? While “My Locations” and “My Region” work independently or together, neither can be used in conjunction with “International.” 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 "Recent Transactions," select the one that was denied, 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 insufficient funds or fraud monitoring. What are Alert Preferences? Alert preferences let you know every time a card transaction is attempted. You can be alerted for all, or individually selected transactions. Preferred alerts are also available by location, transaction type, merchant type, and threshold amount. 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. MANAGING THE APP If I get a new or 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. I received a new debit card number. Will it be automatically updated in the app? When a card number changes, the cardholder will need 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. 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 send an email to Chambers Bank. You can also reach us at 1-800-603-1226. How long will my transaction history display? The last 50 transactions will display in the app for 30 calendar days. 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 $26. 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. 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 Cards.” Then uncheck the card(s) you don't want to manage. Once a card is unmanaged, controls and alerts cannot be set for that card. How do I access the menu or log out? Press the icon that has three stacked lines to reach the menu. This icon is usually found in the top right corner. How do I get more information about the features and functionality of the app? A “Help” icon can be found at the bottom of the login page and listed in the menu. What if my smartphone is lost or stolen? How secure is the app? A password is required to access the app. Also, personal information is not stored on the mobile device. The app only displays the last four digits of your card number. Would a credit, deposit, or payment ever be denied? No. If the card is turned off or you have a block setting like “no out of the country purchase” debits will not process. But you will always receive a credit due to refund on the card, even if it is turned off or from out of country. *Messaging and data rates may apply. Connect with us PERSONAL Personal Checking Personal Savings & Money Market CDs / IRAs Credit Cards Debit Cards Loans Reorder Checks Report a Lost or Stolen Card Find an ATM Telephone Banking BUSINESS Business Checking Accounts Business Savings Accounts Business Credit Cards Business Debit Cards Commercial Lending Business Online Banking Business Services Reorder Checks Report Lost Card Find an ATM LOANS Consumer Lending Commercial Lending Mortgage Lending ABOUT US Our Story Directors & Officers Diversity, Equity & Inclusion Career Opportunities News Blog ONLINE BANKING Online Banking Bill Pay eStatements Mobile Banking People Pay Personal Finance SecurLOCK Equip Telephone Banking RESOURCES Online Banking Contact Us Branch & ATM Locations Privacy Locations Resources Copyright © 2021 Chambers Bank. Member FDIC. All Rights Reserved.