Debit Card FAQs
Nope! You can use our map to find a list of our ATM locations.
Anywhere you see the Mastercard® logo, which is at more than 20 million merchants worldwide.
No fees are charged. However, when using your card internationally you may be assessed a cross border and/or a currency conversion fee from the Mastercard® Network. These fees are passed through directly to the cardholder and are the cardholder's responsibility.
You can select either debit or credit. No matter which choice you make, the money will be deducted directly from your checking account balance. We suggest you select credit so that your transaction will be processed quickly through the Mastercard® network.
If you don't yet have the SecurLOCKTM Equip app, immediately notify our Engagement Center at 800-711-BANK (2265). For after hours, please call our automated banking line at 1-888-711-BANK (2265) and select the option to report a lost or stolen card.
If you have the SecurLOCKTM Equip app, simply swipe your card to turn it off, and then notify us at the number listed above.
Online Banking and mobile banking are the perfect tools for tracking your purchases, as well as keeping your receipts in a safe place until you add them to your checking account register. You can also look at your monthly account statement to view all of your transactions.
If you have online or mobile banking, simply log in, tap into your account, and select “Transaction Dispute.” You can also contact your local office or our Engagement Center at 800-711-BANK (2265).
SecurLOCKTM EQUIP FAQs
SecurLOCK™ EQUIP requires you have a First Commonwealth debit card and an Apple or Android smartphone. After downloading the app from the Apple App Store or Google Play Store, you will be instructed to enter your full account number then other authentication information. Once registered, you can begin using the app right away.
Nope! It is provided to you free so you have more control over your card.
As many as you'd like. But the debit card(s) must have been issued from us. First Commonwealth credit cards and ATM only cards are not eligible.
Just click the Contact Us button at the bottom of the app and our Engagement Center staff will be more than happy to assist you.
Your email address will be used in case you forget your password and need to reset it.
By turning the card off, the little green button in the top right corner of the card image will turn to red. This means that all transactions (except for reoccurring) will be declined. When you're ready to make a purchase, simply swipe 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 select to be alerted on all your payment transactions including recurring payments or you can select just preferred transactions. Lots of customers use alerts for spend limits, location, transaction type and merchant category.
It happens immediately after you set and save the option.
Yes. Merchant recurring transactions will be approved. Additionally, you can select to receive alerts on recurring transactions as well.
Where My Locations and My Region work independently or together neither can be used in conjunction with International.
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 non-sufficient 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.
Only the primary device will receive alerts. Use the settings menu in the app to set your device as primary.
This could be used to prevent purchases of age restricted items such as alcohol.
The app cannot change the limits set by the bank.
You will have to add the new account to the app. This can be done by going to Manage Account and adding the card. Be sure to "unmanage" the old card.
The last 50 transactions will display in the app for thirty 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 cannot be set for that card.