SecurLock Equip FAQ

SecurLOCK Equip is a mobile app that allows you to control how, when and where your debit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your payment cards safe and provide instant notifications whenever your card is used.

SecurLOCK Equip requires you to have a debit card account issued from The First National Bank & Trust Co (FNBT). You will also need an Apple or Android smartphone. After downloading the app, you will be instructed to enter your full account number and then other authentication information. Once registered you can begin using the app immediately

Simple. If you have an iPhone just download the app from the Apple store. If you have an Android phone, visit the Google Play store. Once the app has successfully downloaded to your smartphone you can begin to register your cards.

No. We provide it for free so you have more control over your card.

Unlimited. However, the debit card(s) must have been issued from FNBT.

Debit cards.

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 devices/releases going forward.

Please use the Contact Us button at the bottom of the landing page and we’ll be more than happy to assist you.

Your email address is needed in case you forget your password and need to reset it.

Yes. SecurLOCK will not set up a travel alert status for you. When you travel outside the area, and you want to ensure that your card is not stopped by our fraud monitoring system, you still need to call the bank before you travel.

You can begin using the service immediately. When you turn a card off in this app, the little green button in the top right corner of the card image will turn red. This means that all transactions (except for recurring items you have prearranged) will be declined. When ready to make a purchase simply, turn the card back 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 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.

It is an immediate notification sent to the app. You can choose 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.

No. Using the card control feature in this app does not change the status of your account with FNBT.

It happens immediately after you set and save the option.

Yes. Your merchant recurring transactions (Think “Netflix,” “Pikepass” or “mortgage”) will be approved. Additionally, you can choose to receive alerts on recurring transactions as well.

When it’s turned on, the “My Location” setting in SecurLOCK requires that your phone and your debit card must be within eight miles of each other. This is a security feature that would stop point-of-sale transactions if the card is separated from you by eight miles. The card would still work for you at an ATM, however. If your phone is turned off or the battery runs dead, this service will not be affected.

This feature can limit by City or zipcode the area in which your card can be used. My Regions is a useful but complicated feature. You’ll want to read more information available from SecurLOCK before turning on “My Regions.”

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 insufficient funds or fraud monitoring.

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.

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

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.

No. You will need to add the new card to the app. This can be done by going to Manage Account and adding the card. Be sure to “unmanage’ the old card.

There is a “Help” function within the app as well as a “Contact Us” category where you can send an email to FNBT or call us.

The last 50 transactions will be displayed in the app for 30 calendar days.

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.

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 are unavailable for that card.

Press the icon that has three stacked lines to reach the menu. This icon is usually found in the top right corner.

Detailed information can be found throughout the app. Help can be found at the bottom of the login page and listed in the menu. On specific pages such as the My Location page, touching the “i“ next to My Location will open a window with detailed information on how the control works.

The app requires a password that you should set and store securely. Also, there is no personal information stored on the smartphone. The app only displays the last four digits of your card number.

Yes. Once you log into the app, press the three bars in the top left corner and choose settings from the dropdown menu. Choose biometrics and enable it.

No.