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Digital Business Banking

CardValet

Empower your business with on-the-go debit card control.

Service Details

Manage All Aspects of Your Kearny Bank Business Debit Mastercard® with CardValet

Digital Wallet Makes Payments Fast, Easy, and Secure

  • Turn your debit card on and off

  • Establish transaction controls for dollar amount limits, merchant categories and geographic locations

  • Receive alerts when your debit card is used, approved or exceeds the transaction controls you set

  • Stay informed of potential fraud with alerts on attempted and declined transactions

  • Get real-time balances from your accounts

Download the app for iPhone or Android from the app store today.

 

Featured Key Benefits

Control Spending

With CardValet, you can take charge of your business spending. Seamlessly manage employee transactions with controls for merchant codes, location, and thresholds while ensuring adherence to company policies. Tweak these parameters at any time, thanks to the user-friendly mobile app.

Fraud Protection

Concerns around identity theft, skimming, and other fraudulent activities are increasing in today's world. A lost or stolen card can exacerbate these worries. An effective solution to this problem is turning off your debit card when not in use, which can greatly help safeguard against fraud. Features such as transaction controls that restrict debit card usage to specific locations and real-time alerts to stay informed about card usage or declines are a few additional layers of protection. Invest in securing your finances with our easy tips and tricks for safe transactions.

Review Balances and Transactions

Monitor your finances from anywhere. Use the CardValet app to check your account balances.

If you have questions or concerns about CardValet, refer to our CardValet FAQ section below or contact us at 800-273-3406.

FAQs

Find answers to common questions about Kearny Bank and our services.

Yes. CardValet works with the most recent mobile operating software and two past generations of Android and iPhone devices.

If the card number is new, then the user must “add” the new card number to the user’s profile. In addition, the user may delete the old card by accessing Settings - Manage Accounts.If the card number is new, then the user must “add” the new card number to the user’s profile. In addition, the user may delete the old card by accessing Settings - Manage Accounts.

Yes; cardholders can register multiple cards within a single CardValet app. Additional cards can be added within the “Settings - Add Card” screen.

You can download the card on multiple devices but are requested to indicate which device is “primary.” What is the purpose of assigning a primary device? Can you make changes to the settings from the non-primary devices?

The primary device tracks the GPS for “My Location” alerts and controls and all merchant and threshold alerts will be sent to the primary device. All devices registered with a particular card can view or change the CardValet settings for that card. Controls (including the “On/Off” setting) are set at the card level, so the last update to a control will be honored regardless of which phone was used to make the change. Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device. The primary device can be reset by accessing “Settings - Primary Device.”


The region shows the approximate area where the card can be used. CardValet can typically map the transaction down to a zip code or city. If the city or zip code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a zip code or city, in which case CardValet will default to a state-level match.

CardValet alerts are sent as push notifications to the phone. The alerts also display under “Messages” in the CardValet app.

Yes. International transactions can be blocked using the “International” location control. Transactions will be limited to the United States.

Specific merchant types have been created within CardValet, and these merchant types can be used for controls or alerts via the “Alert Preferences” or “Control Preferences” screen. Each of the merchant types contain various merchant category codes (MCC). Please note that it is possible for a retailer to forward a MCC that may differ from the CardValet merchant type classification. Merchant types currently supported include: Department Stores; Entertainment; Gas Stations; Grocery; Household; Personal Care; Restaurants; Travel; and Others.

There are some merchant types where a merchant will pre-authorize the card for an amount that may be larger than the actual transaction amount. In this instance the pre-authorization amount must meet the threshold spend limit.

CardValet only shows the transactions that are performed with the card. It does not show the transactions that are done on the account but without using your card, such as teller transactions or bill pay on an account.

When a cardholder logs on to the CardValet application, a Balance Inquiry transaction is performed to retrieve and display the balance. A balance inquiry is performed on every account listed in the cardholder record. The application will not initiate more than one balance inquiry within 30 minutes even if the cardholder presses the Refresh button.

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Kearny Bank has all the latest digital banking solutions to meet your business’s financial needs.

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