LockNBlock

LockNBlock™

Our banking world is one of convenience, where many transactions are processed using debit cards. While this may eliminate the need to carry cash, it also increases the risk of identity theft, and thus fraudulent activity – debit cards stolen, PIN numbers compromised, unauthorized charges processed.

With LockNBlock you can manage the use of your debit cards at anytime, anywhere. In situations where you feel that your debit card has been compromised, you can lock your debit card or block transactions via your mobile app, mobile web, or on online banking.

LockNBlock makes it easier and faster for members to protect their accounts as they will no longer have to call their credit union or visit a branch to lock their debit card if it’s misplaced. However, if it is lost or stolen please LockNBlock and then let us know.

How It Works

LockNBlock will be accessible to you through online banking on your desktop or mobile devices. In the mobile app, it will appear as an icon on the home screen 

After you have selected the Lock’N’Block icon on the Mobile App home screen, you will land on the LockNBlock home screen and select ‘Get Started’.


  
You will see a list of your debit cards returned from UCU. You can personalize your cards by setting nicknames for them. You will also be able to see at a glance the current lock and block settings for each card.


    

By selecting one of the cards you can view all of the current card settings. By selecting the on/off toggle you can change each setting.

    


With LockNBlock you can:

•Lock or unlock your debit card
•Block or unblock your debit card for purchases and refunds
•Block or unblock your debit card for ATM transactions
•Block or unblock international transactions
•Have peace of mind knowing that you have greater control of your debit cards

Reduce risk of debit card fraud

LockNBlock provides you with additional protection and reduces the risk of fraudulent account activity by making it easier and faster for you to lock your card(s).

 

Frequently Asked Questions

How do I view my cards?

After selecting the LockNBlock feature on mobile app, mobile web online banking, or desktop online banking, you will see a list of all the debit cards that you can manage within LockNBlock.

How do I set up nicknames for my cards?

Select your debit card from the list of debit cards and enter a nickname.

How do I review and make changes to the current settings for a debit card?

Select the debit card you would like to make changes to. On the Manage Cards screen you will see the current settings for your debit card. Simply move the toggle bar next to each setting.

What is Card Status?

Card Status shows you whether your debit card is currently locked or unlocked. If your debit card is locked you will be unable to use it. Select the Off/On to change the setting.

What does “Block ATM transactions” mean?

If you have blocked ATM transaction you cannot use ATM features with the debit card until you change the status to unblocked. Move the toggle bar to change the setting.

What does “Block all purchases and refunds” mean?

If you have blocked all purchases and refunds you cannot use this card at a point of sale system for purchases or refunds until you change the status to unblocked. Move the toggle bar to change the setting.

What does “Block all international transactions” mean?

If you have blocked all international transactions you cannot use your debit card for transactions outside of Canada until you change the status to unblocked. There are some limitations to this so please check with your local branch for more information. Move the toggle bar to change the setting.

If I block all international transactions is there a chance that transactions could still go through?

There are some limitations to blocking your card for international transactions so please check with your local branch for more information.

Do international transactions include the United States?

Yes, any transaction made outside of Canada is considered an international transaction.

Available for UCU members starting Tuesday, October 9th, 2018  

 

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