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CardNav by CO-OP

Protect your cards with security and control for cardholders.

Get unprecedented, real-time control over your Sooper Credit Union debit and credit cards through your smartphone or tablet. CardNavSM is a free app that adds an additional level of security to your card by enabling you to decide how and when the card can be used.

If you’ve misplaced your card, turn it “off” in CardNav. You can turn it “on” if the card is recovered. Set up alerts that let you know when specific types of transactions have taken place, or use CardNav to set personal spending limits that empower you to manage your budget goals. CardNav will even enable you to set geographic boundaries for card usage so that your card number only goes where you go.

  • Turn your card “on” or “off” in seconds. It can be turned on for a short duration of time or purchase window.
  • Use the GPS location of your device to only allow transactions near your location.
  • Limit card use to specific merchants or purchases.
  • Receive real-time, in-app alerts that let you stop unauthorized purchases before they’re complete.
  • Receive alerts when you’re getting close to any personal spending limits you’ve set. This feature is great to control dependent purchases to avoid misuse.

Download the free CardNav by CO-OP app and gain a new level of security and control over your money today.

CardNav is complete card control in the palm of your hand.

Watch this video to learn more.

The following controls and alerts can be customized individually by card:

  • Type
    Control Preferences
    Alert Preference
  • Location
    Based on where the transaction occurs (merchant location).
    Set geographic restrictions where the card can/can't be used.

    My Location. Compare your smartphone location to the merchants location for in-store purchase.

    My Regions. Set regions (region on a map, city. state, postal code, or country) for card usage. Up to three regions can be specified.

    Block International. Does not allow card to be used internationally. This option can only be selected when My Location and My Regions are turned off.

    Note: You will still need to notify us if you are traveling, as all host settings override any CardNav setting.
    You can set up one of the following location policies. Only one location can be set at one time, and the location policy is always based on the primary device.

    My Location. "Follow-Me" alert when your smartphone location is different from merchant location for in-store purchase transactions.

    My Regions. Transactions (i.e. Merchant) location is outside card-use area pre-defined by you (such as a region on a map, city, state, postal code, or country). Up to three regions can be specified.

    Block International. An alert will be generated if your card is used internationally. Cannot be used in conjunction with My Location and My Regions.
  • Threshold
    Based on the threshold amount set by the user.
    Restrict transactions based on the dollar amount:

    You can set a specific dollar amount for transaction

    Set thresholds for available balance:

    When you log in, the system requests updated balance information. The information for your accounts is compared with the alert settings, and if appropriate, an alert will be sent.
    Any of the following alert threshold preferences may be set:

    Card Threshold Amount. Alert is sent when transaction amount exceeds specified threshold amount.

    Account Low Balance Threshold. Alert is sent when the balance received by CardNav (during login or refresh) is below the specified threshold amount.
  • Transaction Type
    Based on type of transaction at point of sale.
    Any of the following types may be turned on to deny transaction of that type:

    In-store (card present)
    Online (including Bill Pay)
    Mail/Phone Order
    Auto Pay (recurring transactions)
    ATM Transactions (except balance inquiries)
    Others
    Any of the following types may be turned on to send an alert when a transaction of that type occurs:

    In-store (card present)
    Online (including Bill Pay)
    Mail/Phone Order
    Auto Pay (recurring transactions)
    ATM Transactions (except balance inquiries)
    Others
  • Merchant Type
    Based on the type of merchant where transaction occurred.

    Note: These are ignored for ATM and Auto Pay transactions.
    Any of the following types may be turned on to deny transaction of that type:

    Department Stores
    Entertainment
    Gas Station
    Groceries
    Household
    Personal Care Restaurants
    Travel
    Age Restricted
    Others
    Any of the following types may be turned on to initiate an alert when a transaction of that type occurs:

    Department Stores
    Entertainment
    Gas Station
    Groceries
    Household
    Personal Care Restaurants
    Travel
    Age Restricted
    Others
  • On/Off
    Only allow transactions when you turn your card on:

    A card can be turned on or off with a single touch.

    A card can be turned on for a short duration of time or purchase window.

    You can see and change instantaneous card status via a mobile application.
    N/A

Manage your account worldwide with free Online and Mobile Banking and free eStatements. In the U.S. funds are accessible at nearly 30,000 surcharge-free CO-OP ATMs and over 5,600 CO-OP Shared Branch locations.

There is no charge for the Sooper Mobile Banking App; however, charges from your mobile service provider may apply.

Corporate Office & Contact Center

 5005 W 60th Ave
Arvada, CO 80003

Arvada

 5151 W 60th Ave
Arvada, CO 80003

Aurora

 2337 S Blackhawk St. Suite 115B
Aurora, CO 80014

Colorado Springs

 2132 W Colorado Ave
Colorado Springs, CO 80904

Grand Junction

 2440 Patterson Rd
Grand Junction, CO 81505

Lakewood

 1497 S. Wadsworth Blvd
Lakewood, CO 80232

At Sooper Credit Union, we are committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all users. If you are using a screen reader or other auxiliary aid and you encounter difficulties using the website, please contact us at (303) 427-5005 or (888) SOOPER1 for additional assistance. Products and services available on this website are available at our corporate office located at 5005 West 60th Ave Arvada, CO 80003.

Sooper Credit Union Copyright © 2023

Insured by NCUA | Excess Share Insurance | Equal Housing Opportunity | NMLS# 422866

The ESI program provides up to an additional $250,000 of insurance once a credit union members’ balance exceeds the coverage provided by the primary share insurer (NCUA).

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