 Connect SecurLOCK™ Equip

SecurLOCK™ Equip

SecurLOCK product page header

Protect your cards directly from your phone.

By downloading the SecurLOCK^TM Equip app you have the ability to:

Turn your cards off and on
Control where your cards can be used
Receive instant alerts about your card usage.

Downloading the SecurLOCK^TM Equip app is fast and it’s free!

Step 1 – Open the Apple^® App Store^® or Google Play^TM store and search for SecurLOCK^TM Equip.

Screen Shot SecurLOCK app

Step 2 – Download and open the application on your phone or tablet device.

SecurLOCK app homepage

Step 3 – Register as a new user, or login if you already have a username and password.

If you are registering as a new user, you must register at least one card and authenticate the card ownership.

Some benefits of the SecurLOCK^TM Equip app include:

Viewing card details and transactions
Receiving alert notifications set to your preferences
Reducing fraud by having complete control over your card at your fingertips.

Make your phone the key to your location-based transactions. With SecurLOCK^TM Equip, when you set your location settings, your card will not work unless your phone is within 8 miles of it.

What are the customizable features of SecurLOCK^TM Equip?

Transaction Controls

Allow or decline transactions based on your card control preferences. Instantly turn your cards on or off and set controls by merchant type, geographic location, and more.

Real Time Alerts

Choose to be alerted on all or just select payment transactions. Receive immediate push notification alerts to your phone for spend limits, location, transaction type, and/or merchant category.

Transaction History

Quickly view, sort, memo, or tag your last 50 transactions in the app for thirty calendar days.

Spend Limits

Keep your spending in check with transaction spend limits. Set per-transaction or per-month limits with ease.

Download the SecurLOCK^TM Equip App, available for both Apple and Android mobile devices.

Introduction and Registration

What is SecurLOCK^TM Equip?

SecurLOCK^TM Equip is a mobile app that allows you to control how, when, and where your Sun East Debit and Credit Card is used. It is a simple and secure way to manage and monitory your payment transaction activity. SecurLOCK^TM Equip can help keep your debit and credit card(s) safe and can even provide instant notifications whenever your card is used.

What is required to use it?

SecurLOCK^TM Equip requires you to have a Sun East Debit or Credit Card. You will also need an Apple or Android smartphone. After downloading the SecurLOCK^TM Equip app, you will be instructed to enter your 16 digit card number, along with other authentication information.

How do I get the SecurLOCK^TM Equip app?

For Apple devices, download the app from the App Store^®. For Android devices, download the app from the Google Play^TM Store. Once the app has been successfully downloaded to your smartphone you can begin to register your card(s).

Is there a fee to use the app?

No.

What kind of card can I register?

You can register both your Sun East Debit and Credit Cards.

How many cards can I register?

You can register an unlimited number of Sun East Debit and Credit Cards.

How many logins can I have for the same card number?

Unlimited. Joint owners, or authorized users of a card can also add it to their own app. They can have separate logins and passwords this way. NOTE: Controls and locations set by the last user to set the controls, will control ALL cards on that account (meaning those using the same card number).

Why do I need to register my email address?

Your email address is needed to securely reset your password in case you forget it.

What kinds of mobile devices are supported?

Android (version 4.1 or later), Apple (iOS) device model 4S, 5, 5C, 5S, 6, or 6 Plus with iOS operating system version 8, 9, and 10, and all future devices/releases going forward are supported.

What if I am having trouble registering?

Please use the “Contact Us” button at the bottom of the web page, and one of our support agents will be more than happy to assist you.

Is the SecurLOCK^TM Equip app available in Spanish?

No. The app is available only in English.

Can I download the app outside of the United States?

No. The app is available only in the United States.

I have another local Credit Union or Bank that offers SecurLOCK^TM Equip. Can I use it for my debit and credit cards at both banks?

Yes, you can use SecurLOCK^TM Equip for your debit cards at both locations. To do so, you will need to manage a separate username and password for each.

If you are already using SecurLOCK^TM Equip with another Credit Union or Bank, to create your Sun East account, you will need to log out of the app and go back to the main screen. From there, you will then click Sign Up Free and follow the enrollment process for your Sun East card, creating a different username and password.

Controls and Alerts

Once I register my cards, how do I begin managing and monitoring my payment activity?

You can begin using the service immediately. We recommend first trying the on/off feature. To use this click the green toggle button just below the card image where it says Card ON/OFF. This means that all transactions (except for recurring) will be declined. When you’re ready to make a purchase, simply click the toggle button again and it will turn the card back on, meaning it is available to use. It’s that easy. Now you have ultimate control to help combat fraud.

After you become comfortable with the on/off function, you can start selectively setting controls by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spending 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.

What are Alert Preferences? What are Control Preferences?

Alert Preferences are an immediate notification sent to the user via the app. You can choose to be alerted on all your payment transactions, including recurring payments, or you can select just preferred transactions. Preferred alerts are available by spending limit, location, transaction type, and merchant category.

Control Preferences allow the user to block transactions types of their choosing and they will receive a real-time alert that the transaction was declined. You can choose to set preferred controls by spending limit, location, transaction type, and merchant category code. As an example, if you set a control spend limit of $100, every transaction above $100 will be declined.

How long does it take for a control or alert setting to take effect?

Settings take effect immediately after you set and save the option.

What if I forget to turn off a control before using my card?

If the transaction you are attempting is declined due to a control you have set, your app will immediately alert you, and allow you to authorize a one-time override of the control. Simply authorize the one-time override, and retry the transaction again within 10 minutes. This means you don’t have to worry about turning controls off as you need to make purchases, and forgetting to turn them back on.

Can I set a control higher then Sun East Federal Credit Union's spend limit?

No. Standard limits set by Sun East take precedence over any controls set within the SecurLOCK^TM Equip app.

I have a joint owner, or authorized User on my credit card. How will they be affected by Controls I set?

The controls set on one device will control all cards with identical card numbers. This means transactions made by joint owners or authorized users of a credit card will decline for controls set by another user, whether or not everyone on the card uses the SecurLOCK^TM Equip app. Location Controls are set by the last person to use the app. Controls and alerts are set by card, so you can select which controls work best for your situation. My Region Control allows you to select up to 3 regions, so you can still protect your account even if joint owners or authorized users are in different locations.

How is my card protected while I'm traveling?

Location Controls allow you to set My Location, My Regions, and International controls. My location works with your phone’s location settings to deny in person transactions that do not match your phone’s location. When traveling, select My Region to allow in-person transactions within your selected Regions. You may select up to 3 different regions. If traveling internationally, all in-person transactions outside of your selected country/countries will be declined. See the “Tell Me More” button on the Locations Control page of the app for more details.

Can I use "My Location," "My Region," and "International" at the same time?

“My Location” and “My Region” can work independently or together, but they cannot be used in conjunction with “International.”

“My Location” uses your mobile device location to match it to the address or location of the merchant where you are making an in-store purchase.
“My Region” allows you to designate and assign specific geographic locations on a map. The address or location of the merchant where you are making an in-store purchase will be compared to the regions you have selected.
“International” will allow you to block or be alerted for all transactions that happen outside of the country.

I turned my card on and set "My Location." My card could be used in the next town when my phone was not with me. Why was it not declined?

The device location is sent to the service when significant location changes are detected. The information is used to match address information from the store where you make the purchase. Sometimes the full store address is not available. In this case, the service may look at the zip code or corporate address. Because of this, your transactions will still be allowed because the zip codes are close together or the corporate address will be disregarded. To learn more, go to the app and click “Control Preferences” > “Locations” > and click the “i” next to “My Location.”

I set a control for a merchant type and then transacted with that merchant. Why was the transaction not declined?

Sometimes the merchants do not have the correct merchant category code defined at their point-of-sale terminals. Therefore, the transaction would be able to go through. For example, you turn on a control to block grocery store transactions, but your transaction can still go through. That merchant is more than likely not using the correct merchant category code to categorize the transaction as grocery. This would be the same if you set the alerts for merchant type.

My alerts are supposed to notify me of every transaction, but I am not receiving them.

Make sure your device is set at the primary device, as the primary device is the only one that will receive alerts. You can use the settings menu in the app to set your device as primary.

If you have multiple users of the same account they will be notified if one of the users changes a preference to set their device as primary.

Managing the App

If I get a new smartphone, how do I begin using the service again?

Just download the app to your new smartphone and log in with your current user ID and password. You can then set your controls and alert preferences.

I received a new card number. Will it be automatically updated in the app?

You will have to add the new card number to the app. This can be done by going to “Manage Account” and adding the card. Be sure to click “unmanaged” for the old card.

If you received the same card number with a new expiration date that will automatically update in the app.

How long will my transaction history display?

The last 50 transactions will display in the app for 30 calendar days.

My pending purchase is showing more than I paid. Why?

Some merchants send pre-authorizations at higher amounts to test the card’s validity. For example, a $25 gas purchase might display as a larger dollar amount. 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.

I want to manage only one of my cards, but they’re all being displayed.

To select the card(s) you wish to manage, go to “Settings” and choose “Manage Portfolio.” 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.

How do I access the menu or log out?

Press the icon that has three stacked lines to reach the menu. This icon is usually found in the top right corner.

How do I get more information about the features and functionality of the app?

Detailed information can be found throughout the app. Help can be found at the bottom of the login page and is listed in the menu. On specific pages, such as the “My Location” page, tapping the “i” next to “My Regions” will open a window with detailed information on how the control works.

What if my smartphone is stolen? How secure is the app?

The app requires a password to access it. Also, there is no personal information stored on the smartphone. The app displays only the last four digits of your card number.

Is Touch ID available on Android phones?

Not currently. For Apple devices, Touch ID will work only when a password is set up as well.

Will SecurLOCK^TM Equip impact other transactions like credits, deposits, or non-POS payments such as checks?

No.

SecurLOCK™ Equip

Protect your cards directly from your phone.

Downloading the SecurLOCKTM Equip app is fast and it’s free!

Some benefits of the SecurLOCKTM Equip app include:

What are the customizable features of SecurLOCKTM Equip?