What type of transactions display in 3Rivers Card Control?

3Rivers Card Control 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, such as teller transactions or bill pay on an account.

A threshold limit of $50 has been set but the user cannot buy gas at 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.

Does the app show recent transaction history?

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

Why is a transaction denied for My Location or My Regions when the merchant is physically located within the boundaries?

When performing an edit check on My Location and My Regions, 3Rivers Card Control compares the geographic location of the mobile device as well as the Merchant’s Regulation E (Reg E) information that is sent within the transaction. It is possible for the merchant’s Reg E to be an address other than the physical location of the merchant, i.e. the corporate or regional address. In these instances, the transaction will bypass the 3Rivers Card Control edit checks since the Reg E information is not within the set boundaries.

If the user has set an alert for international transactions and no controls are set, will the user 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.

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

3Rivers Card Control alerts are sent as push notifications to the phone. The alerts also display under Activity in the 3Rivers Card Control app.

How does a user turn off notifications at certain times, such as when the user is sleeping?

The user can set the Do Not Disturb time that will suppress notification during the set time. Some notifications will still be delivered, e.g., any transaction denial or any transaction that is a card-present authorization.

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

ATM transactions are categorized within the Others merchant type.

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.

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

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

Can cardholders block all international transactions?

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

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

The region shows the approximate area where the card can be used; the area must be greater than 5 square miles. 3Rivers Card Control 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 when a merchant location cannot be mapped down to a ZIP code or city, in which case 3Rivers Card Control will default to a state-level match.

Can a user 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, the user can use the Region Location feature. The user 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.

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

3Rivers Card Control 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.

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

3Rivers Card Control 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 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 3Rivers Card Control. These controls impact card present transactions only; therefore, internet transactions are not impacted.

Can I use 3Rivers Card Control if I have business accounts?

Yes. For a business to use Card Control, the user must enroll and access the Card Control app outside of the 3Rivers Business Mobile Banking application.

Can a user re-enroll in 3Rivers Card Control if they previously unsubscribed?

Yes. To activate an unsubscribed user, the user will login back into the Card Control app using their 3Rivers online/mobile banking credentials or via the sign in using the banking app button. Upon successful registration, the user may once again use 3Rivers Card Control.

When cardholders receive a reissued or replacement card, will they have to update their cards within the application?

Yes. With each reissued card, even if the card number is same, the expiration date and 3-digit security code on the back of the will be new. So, the user must add the new card, with new expiration date and security code to the user's profile.

If a parent registers 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 3Rivers Card Control unless the parent shares the information.

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