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Take Charge of Your Debit Card with CardValet®

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CardValet®

NBT Bank is proud to offer CardValet®, the mobile app that lets you control debit card usage and spending on the go for personal and business NBT Bank Debit Cards.

CardValet empowers you to take a proactive approach in setting controls that complement the fraud protection already in place with your account.

  • Turn your card on or off
  • Set locations where your card can be used
  • Restrict transactions based on merchant type
  • Establish transaction amount limits
  • Enable alerts for certain transaction types

 

Watch the CardValet® informational video.

Get Started

To start using CardValet, download the CardValet app from the Apple® App store or Google Play® store from your compatible mobile device.1 After downloading the app, complete the registration process ensuring that your account validation information matches that on file with NBT Bank for your personal or business NBT Bank Debit Card.

Features

Control Spending

With CardValet you can set spending limits for general use or specify thresholds by merchant types, such as gas, groceries or retail stores. You can also establish controls by location. The app’s flexibility lets you change these parameters at any time so you may update your controls for everyday use, vacation or even holiday shopping to fit your spending needs.

Teach your teen how to manage spending with the ability to change the account preferences as often as needed.

Fraud Protection

Be even more proactive in protecting your debit card against fraud with controls that let you turn your debit card “off” when you are not using it. When your card is “off,” no new withdrawals or purchases can be authorized.  Take advantage of additional safeguarding features such as real-time alerts on your card activity and geographic parameters to limit where your card may be used.

Monitor Business Use

Control business spending on a debit card with CardValet.  Use the transaction controls for merchant codes, location and thresholds to ensure employee spending adheres to your company policies.

Review Balances and Transactions

Monitor your finances from anywhere. Use the CardValet app to check your account balances and set alert preferences to keep you informed of your account activity.

Login and Registration

When you open the CardValet App you will be provided with options to register or login. If you select the "New User" button, your will be taken through the registration process.

Registration Process

Enter Debit Card Number - You will be prompted to enter your 16 digit debit card number

  • If you have not started the registration process the debit card will be red
  • If you have started the registration process and left without finishing, the card will be blue

Card Validation - Once you have entered your card number, you will be prompted for card and billing information.The security information entered on this screen will be validated against the information we have on file at the bank.

Security Validation - As an additional security measure, you will need to complete one of the following to complete the validation process.

  • Enter the last four digits of your Social Security Number, or
  • Complete a PIN Based Transaction using your debit card. This can be an ATM transaction.
    • You can also provide an ATM or other PIN Based Transaction that was completed within the last 72 hours

Create User Profile and Set Password

User Profile - After your card has passed the validation process, you will be prompted to create your user profile by choosing a user name and password. The application will make several recommendations for a login name based on a combination of your first and last name. You can choose one of the recommended user names, or you can create one of your own.

Password Rules - Your password must be at least 8 characters long and must contain at least 1 upper case character, 1 lower case character, 1 number and 1 special character.

Accept Terms & Conditions and Privacy Policy

After you enter your password, you will be asked to accept the Terms & Conditions and then the Privacy Policy to complete the registration process.

CardValet is a trademark of Fiserv, Inc. or its affiliates.
Apple, iPhone, iTouch and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.
1Standard text messaging and data rates may apply.

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