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A man updating his card information on his mobile device
MANAGE AND MONITOR YOUR CARD

Take charge of your debit card.

Learn How
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FRAUD ALERTS TO PROTECT YOU

Our automated fraud monitoring system adds another layer of security to your debit card.

Get Details

CARD CONTROLS AND AUTOMATED FRAUD MONITORING

Protecting your card should be convenient. Card controls let you set up the alerts you want. Plus, we are always monitoring your account for signs of fraud.

How to Use Card Controls | Automated Fraud Monitoring | FAQs

How to Use Card Controls
A free feature of digital banking, you can adjust your card controls online or through the Mobile App.

  • A woman updating her card information

    GET STARTED WITH CARD CONTROLS

    In the Mobile App:

    • Log in and tap “More” on the lower right of the Accounts screen.
    • Under Account Services, tap on “Debit Card Controls.”

    In Online Banking:

    • Log in and select “Additional Services” at the top of the screen.
    • Then select “Card Controls.”

    You will then see a list of your debit cards. For each card, you can set Card Controls using the ON/OFF toggle.

    (Note: Your eligible, active First Metro cards will be defaulted to "ON" the first time you view them.)

  • A man on his mobile device

    CARD CONTROLS FEATURES

    Monitor
    Know exactly what is happening with your Debit Mastercard®, anytime and anywhere. Turn on the alerts you prefer for internet purchases, ATM transactions and more.

    Manage
    Use Card Controls to immediately turn your First Metro Debit Mastercard on or off in case your card is misplaced or lost, or for any other reason. Turn on as many Card Controls as you would like. There is no cost to use them.

  • A woman on her mobile device

    GET THE MOBILE APP

    Manage your card settings on the go — and do so much more!

    If you are enrolled in digital banking, adding the Mobile App is easy.

    Download it now:
    Download on the App Store

    Download on Google play

 

Automated Fraud Monitoring

A man on his mobile device

YOUR DEBIT CARD IS AUTOMATICALLY ENROLLED

These two-way fraud alerts are free. If we ever suspect your card is being used fraudulently, we’ll send you a real-time text, email or phone call asking for your Yes/No confirmation. If it is fraud, we will immediately shut down your card.

A woman on her mobile device

MAKE SURE YOU GET FRAUD ALERTS

Please verify that we have your current contact info:

  • In Online Banking, select “My Settings” to confirm or update.
  • In the Mobile App, select “More” from the bottom menu, then choose “Settings” followed by “My Settings.”

A woman on her mobile phone

YOU CAN OPT OUT OF FRAUD ALERTS

We believe our automated fraud monitoring system helps keep your account safe. However, you can opt out by replying STOP to a text message, replying STOP to an email message, or following the prompts on a voice alert message.

Frequently Asked Questions

A: After logging in to the Mobile App, go to More on the lower right of the Accounts screen. On the Account Services screen, select Card Controls.

You will then see a list of your debit cards. Active debit cards which are available for Card Controls use are by default set to "ON" the first time you view them. Suspended cards which are not available for Card Controls are displayed as “OFF.”

Setting Card Controls to "ON" or "OFF" 

  • Next to Card Status, use the ON/OFF toggle to set the debit card status as being active or suspended.
  • Setting the card status to “OFF” suspends all activity on the debit card. The status must be set to “ON” to use the debit card.
  • A debit card must be in “Active” status to add Declines and Alerts.

Setting debit card Alerts & Controls

  • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button.
  • The Set Declines and Alerts screen will open with three options:
    • Send Alerts for all transactions, next to a toggle bar
    • Transaction Type
    • Spend Limits
  • Next to Send Alerts for all transactions, you can set the toggle to ON to receive Alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
  • To set up an Alert for a specific Transaction Type only, choose Transaction Type for a list of options. Tap the option(s) for which you want to receive an Alert. Set the Send Alerts option to ON. When an Alert is turned on, you will see a blue bell next to it.
  • When a transaction is set to ON, EVERY transaction of that type on the card will trigger an Alert.

Declining debit card transactions

  • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button.
  • To decline a specific Transaction Type, tap Transaction Type for a list of options. Tap each option you want to block and next to Decline Transaction set the toggle to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
  • When a transaction is set to BLOCK, EVERY transaction of that type on the debit card will be declined/blocked.

Setting Spend Limits

  • When Spend Limits are set on your debit card, transactions made over a certain amount will be declined. To set up Spend Limits, select the Spend Limits option.
  • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
  • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT. Enter the minimum dollar amount for which you want to receive an Alert.
  • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your debit card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100.

A note about Email vs. Text Alerts
Card Controls Alerts are emailed to the email address you have listed in Online Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Controls Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by logging in to Online Banking from a browser and removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.

A: To set up Card Controls through a web browser, log in to your Online Banking account on firstmetrobk.com. Select Additional Services at the top of the screen and then Card Controls

You will then see a list of your debit cards. Active cards which are available for Card Controls use are by default set to "ON" the first time you view them. Suspended cards which are not available for Card Controls are displayed as “OFF.”

Setting Card Controls to "ON" or "OFF" 

  • Under the Card Status column, click on the ON/OFF toggle to set the card status as being active or suspended.
  • Setting the debit card status to “OFF” suspends all activity on the card. The status must be set to “ON” to use the card.
  • A debit card must be in “Active” status to add Declines and Alerts.

Setting debit card Alerts

  • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
  • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Set the ON/OFF toggle near the top of the window to ON to receive alerts for all transaction types: purchase, ATM, Internet Purchase, Mail/Telephone Order, or Non-US Purchase.
  • To set up an Alert for a specific Transaction Type only, choose that transaction type. Set the Send Alerts option to ON. When an Alert is turned on, you will see a blue bell next to it.
  • When a transaction is set to ON, EVERY transaction of that type on the card will trigger an Alert.

Declining debit card transactions

  • Choose the debit card you want to set, make sure the Card Status is set to Active/ON and select the Set Declines and Alerts button. Note: You will need to agree to Terms and Conditions the first time you use this feature.
  • The Set Declines and Alerts window will open for that selected card, with a list of transaction types. Choose the transaction type that you want to decline. Set the Decline Transaction option to BLOCK. Note: If the Decline Transaction toggle is set to BLOCK, an Alert will automatically be sent.
  • When a transaction is set to BLOCK, EVERY transaction of that type on the debit card will be declined/blocked.

Setting Spend Limits

  • When Spend Limits are set on your debit card, transactions made over a certain amount will be declined. To set up Spend Limits, select the Spend Limits tab at the top left of the Set Declines and Alerts window. A Spend Limits window will open.
  • Turn on the Spend Limit by toggling to BLOCK and enter the maximum dollar amount to allow. ANY debit card transaction that is more than the dollar amount entered will be blocked/declined.
  • To Block transactions over a dollar amount AND receive an Alert, go to Alert Me and set the toggle to ALERT. Enter the minimum dollar amount for which you want to receive an Alert.
  • You can Block a certain dollar amount but be Alerted for a different dollar amount. For example, you can set up your card to BLOCK transactions over $200 but set up an Alert to go out anytime a transaction is made for over $100.

A note about Email vs. Text Alerts
Card Control Alerts are emailed to the email address listed in Online Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Control Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.

A: If you have followed instructions for setting up Card Controls, and you are not receiving alerts, we recommend the following:

Check or update your contact information
Ensure we have your most current information on file. You can do this in one of two ways.

  1. Log in to Online Banking from a browser and select My Settings in the upper right corner of the screen.
  2. Log in to the ONB Mobile App, select More from the bottom menu, then choose Settings followed by My Settings.

Know where your Alerts will arrive
Card Controls Alerts are emailed to the email address listed in Online Banking under Notifications and Settings on the Alerts & Notifications screen. If you also have a phone number set up to receive Text Alerts, you will receive Card Controls Alerts by text too. There is not a way to turn off the email alerts. You can turn off Text Alerts by removing your phone number from the Alerts & Notification screen, but this will turn off ALL Text Alerts and not just Card Controls Alerts.

If you need assistance with setting up Card Controls, please contact Client Care at 1-info@firstmetrobk.com.

A: Card Controls is a feature within our Online Banking and Mobile Banking platforms. We regularly test, update and validate our security model to ensure we maintain a banking grade level of security.

A: Yes. You must be logged in to First Metro Online Banking or the Mobile App to set up and use Card Controls.

A: Both Card Controls and Automated Fraud Monitoring help to protect you from fraudulent activity on your debit card and account.

Card Controls give you direct control within Online Banking or the Mobile App. You are able to select the types of alerts you want to receive, set spending limits, decline transactions and more.

Automated Fraud Monitoring is a service First Metro debit card holders are automatically enrolled in. If we ever suspect that your card is being used by someone other than you, we’ll send you a real-time text alert, email or phone call and ask for your confirmation. Based on your response, we can immediately shut down your card if necessary. If you prefer, you can opt out of Automated Fraud Monitoring alerts.

Both Card Controls and Automated Fraud Monitoring are free services, and together they provide a double layer of protection for your account and debit card.

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