CardPower™ Frequently Asked Questions


You can choose to receive alerts for "All" transactions or only specific transactions. If you would like to receive an alert for every transaction then select "All transactions". If you would like to receive alerts for only specific types of transactions such as merchant type or by threshold, then you will need to customize your alert preference settings.
For a transaction that meets multiple alert policies, you would receive only one alert.
Our fraud monitoring service stopped the transaction from posting on the account when it detected the transaction may have been fraudulent. Since the transaction did not carry all the way through to our processing system, it did not trigger a CardPower alert.
The region shows the approximate area where the card can be used. CardPower 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 CardPower will default to a state-level match.
No, the app does not keep the alerts queued up. When a user turns the "Notifications" setting back to on, alerts that were generated when the setting was in the OFF position would not be sent.
Yes, control and alert preferences perform different functions. If you set control preferences and a transaction gets denied, you will receive an alert notification immediately. But if you want a transaction to go through but still be alerted, you need to set alert preferences.
Since this was just a transfer within the same account, the transaction did not go through the credit card network so an alert was not initiated. For an alert to appear, a transaction must go through the credit card network.
Yes, you can log in to the CardPower app from any device and set control and alert preferences. The one preference that depends on device is "My Location". CardPower uses the "primary" device (see Settings page) for proximity correlation of "My Location". only primary device location is used for "My Location", and only one device can be primary for a user. Also, alerts are sent only to the primary device.
Alert settings take effect as soon as the "updating information" message in the app stops.
You will receive a transaction alert notification if the location of the merchant is not in the vicinity of the primary device of the cardholder. Typically, the granularity of my location is at the ZIP code level, which may be a few miles. In some cases, the ZIP code is not received as part of the transaction, in which case the granularity is at the city level, or sometimes even the state level within the United States. The important point to note is that location is not at the level of a few feet or even a mile – it is a few miles, and in some cases much wider.
If you turn on my location alerts for a card that you do not carry with you, it will alert you on transactions when your dependent is not with you. You can use the region feature to set alert preferences for typical usage region of the card. If the card is used outside of the region, you will be alerted.
The reasons for receiving a transaction alert will be listed on the back of the transaction details. Please tap on the transaction details to flip the box and see the alert preferences that were triggered.
As often as you wish. Your latest preferences will always be automatically uploaded to the system.
You can disable receiving the push notification by going to settings and turning notifications to OFF. However, if you have set up any alert policies, the card and account alerts will still show in the "Messages" section. If you wish to receive the push notifications for transactions again, you can go back to settings and turn notifications back to on.
The alert is sent in near real-time, after the transaction has taken place. The receipt of alerts will vary depending on your Internet connectivity. In general, users can receive alerts almost immediately or up to several minutes after the transaction takes place.
Card initiated transaction alerts display only the last four digits of the card number.
The system will continue to monitor all activity and will apply your latest preferences on future transactions. However, the system will stop using location for matching purposes. Any alerts generated while your phone was turned off will be available for you to view once the device has been reactivated.
It will not affect the on/Off control nor will it affect any non-location-based alerts, such as merchant type or threshold alerts. However, turning off location tracking will affect my Location preferences that you may have set. You will be notified by the system that my Location alerts will be deactivated.
No. All "card not present" purchases, including Internet and recurring bill pay, will not generate alerts if you have selected location-based alerts. Location-based alerts are only for in-store purchases.
Threshold alerts will be generated for any transaction that exceeds the threshold amount. Transactions below or at the threshold setting will not generate any alerts.
The minimum amount is $0. There is no maximum amount. The only requirement is that the number is an absolute amount. You can set threshold limits in $1 increments.

App Login

Yes, you can access the app from multiple mobile devices.


Control settings take effect as soon as the "updating information" message in the app stops.
There are many reasons why a transaction may be denied. You may not have sufficient funds, the transaction may be suspected fraud, you may have set control preferences that cause denial, etc. To verify if it was a Control Preference that caused the decline, simply select the transaction in question, tap on the transaction details to flip the box, and see the control preference that triggered the decline.
CardPower allows you to control your card and set rules for where it cannot be used. However, even if a transaction is consistent with the usage policies that you have set, it may be declined for other reasons – for example the transaction triggered fraud rules or you do not have sufficient funds, etc. A transaction that fails your control rules will be declined, but a transaction that passes your control rules is still not always guaranteed to be approved.
Yes, recurring transactions that have already been set prior to turning the card off will continue to go through.
No, once the card is turned off, no purchases or ATM activity can be performed.

Find Us

CardPower uses Google's search engine for locating ATMs your search region. Sometimes, this search engine does not locate all the ATMs.


The CardPower mobile app is a secure product for the following reasons:
  • The mobile application does not store any protected cardholder data (such as debit or credit card numbers, PIN, CVV/CVV2, etc.).
  • It only displays a payment card using common publicly used references such as the last 4 digits of the card number and the cardholder name.
  • By design, the mobile application does not contain any information that is subject to PCI-DSS or PA-DSS rules, because it can be downloaded and run on any unprotected device.
  • The user provides login credentials and passes them to the authentication server without storing any passwords internally.
  • In case of lost mobile devices, the user login for the CardPower mobile app can be remotely deactivated, thereby stopping any unauthorized access.
You will need to manually delete the app from your old phone and download the app from the Apple App Store or Google Play onto your new smart phone.

Location Controls

Yes, you can log in to the CardPower app from any device and set control and alert preferences. The one preference that depends on device is "My Location". CardPower uses the "primary" device (see Settings page) for proximity correlation of "My Location". only primary device location is used for "My Location", and only one device can be primary for a user.
You should turn on location tracking in your mobile device. My Location control only takes effect if (a) location tracking is enabled in the mobile device, (b) location tracking is enabled for the CardPower application, (c) My Location is enabled for control or alert on a card, and (d) device is primary for the user.
Typically, the granularity of My Location is at the ZIP code level, which may be a few miles. In some cases, the ZIP code is not received as part of the transaction, in which case the granularity is at the city level, or sometimes even the state level within the United States. The important point to note is that location is not at the level of a few feet or even a mile it is a few miles, and in some cases much wider.
In some cases, the merchant may process all of their card transactions in a central processing center which could be in a different city, state, and/or ZIP code. Since the city, state, and/or ZIP code shows a location outside the area where your phone is located, it will decline when the My Location Control Preference is turned on. This is common with purchases made at vending machines or kiosks where the central processing is often performed in a different location than where the terminal is physically located. If you click on the transaction summary in CardPower, the city and state where the processing is taking place is located under the merchant's name.
CardPower ignores location information that is more than one hour old. So, if your phone is off for more than an hour then My Location will not take effect, and the transaction will not be denied on the basis of the old location information.
CardPower does proximity check at the granularity of ZIP code or City, so if you are shopping close to home your transactions will still go through. If you have left your phone at home and want to turn off My Location or use a different device, then you need to log in from a different device and either turn off My Location or change the Primary Device. You can also contact Arizona Federal during regular business hours for assistance.
You should not turn on My Location for a card that you do not carry with you. You can use the Region feature to set usage preferences for where the card can be used. Set location preference to "Region" in the drop down menu, then Add a New Region to set the map to the area where you want the card to be used.
Setting "International" for Control preferences means that all international transactions are denied. Setting "International" for Alert preferences means that any international transaction will trigger an alert.


A "Server Unreachable" error means that the CardPower application could not connect to the CardPower server that communicates with Arizona Federal. Please tap on the bar again – sometimes the server is unreachable when your network connectivity is weak or intermittent, and retrying the connection by tapping on the "Server Unreachable" message connects the application to the server. If the problem persists, you may have to stop the application and restart it. If the server is down for maintenance, the problem may persist and you may have to try again later. If this consistently occurs during regular business hours, please contact Arizona Federal at (602) 683-1768.
Please stop and restart the application. If the network connectivity is indeed available, the application should start and try connecting to the server. Sometimes, when the network connectivity is weak or intermittent, you may have to restart the application to connect to the server.
There are times when the card network is unable to connect to our processing system due to connectivity issues, transactional volume, or maintenance periods. This is not frequent, but happens from time to time. When this occurs, control preferences will not work and purchases can be approved. If these are unauthorized transactions, please remember that you have Zero Liability Coverage on any unauthorized or fraudulent transactions on your account. Please report any unauthorized or fraudulent transaction to the credit union by filling out a fraud dispute form located under Additional Services in online banking. However, you are responsible for any legitimate purchases made during these times. It is a good practice to avoid "testing" the capabilities of the app because you are responsible for any purchases.


Only one user can register using a unique account number.
It will be sent to the Primary email address you have on file with Arizona Federal.
There is no limit to the number of Arizona Federal accounts you can add to CardPower.
The application does not provide SMS based alerts. It only provides app notifications on the phone which has been selected as the primary device. In order to select the device as primary you must log in to the app with your login credentials, click on settings, and set the primary device to "on".
The app doesn't store any sensitive data so even if you lose your phone, no one will see your card or account numbers. Sensitive data is always masked in the app.


Please log in from the new phone, go to the settings page, and enable the device as "Primary Device". Primary device is the device to which alert notifications are sent, and the device that is used to correlate your location for the my location feature. Note that you must have the notifications enabled on the phone for this application, and location enabled for my location to work.
You need to enable notification on the phone for the application, and you need to enable notification in the app in the settings page, and you need to enable primary device on the phone, to receive alert notifications. All three conditions must be met for you to receive alert notifications.
For iPhone devices, please go to the settings of the phone and go to the notifications link. For the CardPower application, select the notification format as desired.

For Android devices, alerts will appear in the middle of the screen if you have the app open. If the app is not currently displaying on the phone, then alerts will show in the notification panel of your phone.
You can set the "Do Not Disturb" time that will suppress notification during the set times. Some notifications will still be delivered, for example any transaction denial or any transaction that is a card-present authorization.
CardPower sends notifications for all "card present" events, including in-store transactions, regardless of the Do-Not-Disturb setting. This is because the user is expected to be at the store and making the purchase for card present transactions.
Currently only Apple iOS and Google Android based devices are supported.

Threshold Amount Controls

The Threshold Amount is the limit for a single transaction.
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. Examples include gas stations, hotels, car rentals, equipment rentals, etc. – similarly many situations where you present a card and receive a service before paying for it. In such cases, a merchant may "pre-authorize" your card for a higher amount than the actual transaction – it is just a Hold on your account, the money is not actually charged to your account at that time. But in such cases, the pre-authorization may fail if the amount is greater than the limit.
CardPower controls are only invoked during authorization of a transaction. In some cases, such as gas stations, a card may be tested for validity by doing a $1 pre-authorization, and the actual transaction amount is charged to the card after the transaction. Some gas stations will pre-authorize for a max amount, e.g. $126, and some gas stations will check validating, e.g. $1. In the latter case, the actual transaction amount may exceed the limit, while in the former case, an authorization may be denied.

View Information

The list of recent transactions will show the 50 most recent transactions up to 30 days worth on your card.
No, the CardPower app does not have the option to export the list of transactions to an external computer at this time. However, you can perform this function in online banking.
No, the phone does not store any card or account numbers. The app displays only masked card numbers.
No, the transaction list for your account in the CardPower app most likely will not be the same as the one you see in online banking. The reason is that CardPower only displays card transactions that impact the account linked to the card. It would not show transactions on the account that were done through other means such as check deposit or online ACH transfers. The online banking transaction list would show all of these transactions.