PriorityOne Bank is pleased to announce that we now have available a mobile app that allows our
debit card holders to better secure and manage their debit card transactions…This app is called SecurLOCK
and is available in the App Store and the Play Store simply by searching for “SecurLOCK Equip” which has
this icon, …
The SecurLOCK app gives you the ability to turn your card on and off, set up text alerts for
transactions, restrict use of the card by transaction amount, transaction type, merchant type,
etc…You can also control the geographical location of where your card can be used, including tying it
to your cell phone whereby your cell phone must be near the card or the transaction will be
declined…There are other features as well that give the debit card holder flexibility in using only the
features they want to…Please find attached a detailed instructional guide on how to use
SecurLOCK…Please see below a summary of how to register and use SecurLOCK:
After you have downloaded the app, begin by:
• Tapping on the “New User” button will start the registration process.
• To use the SecurLOCK Equip app, a cardholder must first register at least one debit card.
• The cardholder is prompted to enter her/his card number.
• After entering the card number, the user taps the “Next” link in upper right corner. On the next
page, the user is prompted to enter the following information to authenticate his/her ownership
of the card:
o Security code (MasterCard® - CVC2 / Visa® - CVV2).
o Expiration date (MM/YY).
o Billing address (street address and zip code).
• The user will be prompted to enter the last four digits of her/his SSN.
• Upon tapping “Next”, the data is then validated against the HORIZON core. After a successful
validation, the user will be taken to the next two pages to accept the Terms & Conditions (FIS)
and Privacy Policy (FI).
• Once the user has accepted the Terms and Conditions and Privacy Policy, the “Create
Account” page displays.
• Here, the user creates the username and password for logging into the app.
• User will then login with the newly created credentials.
.
IMPORTANT TIPS:
Multiple users can register the same card number. For shared cards, the app will track the location of the user
who chooses My Location last. SecureLock can be used on more than 1 device, but only 1 can be defined as
primary. This means that Alerts will only be sent to the Primary Device – and the Primary Device is also the
only device that will be used to determine a user’s location for controls and alerts. Depending upon how
criteria is established by the customer, some card purchases may be impacted.
Once enrolled, the user has 3 options for quick access to SecureLock:
1. User Name & Password (must be 8 – 12 characters, at least 1 uppercase & lowercase and 1
special character
!a#$%^&*()_+ )
2. Fingerprint
3. PIN Access (this is a 4 digit code specified by User)
As a safety precaution, after a significant period of time with no SecureLock log-ins, the user will have to sign
in using their User ID and full password. The 4 digit quick code and fingerprint access is suspended, but will
reactivate with the full sign-on process.
Secure Lock sends out regular updates. It is possible that a pre-set restriction may not be applied if the
purchase is made when the device is shut off, or powered off due to a lack of battery life.
HOW IT WORKS:
The User Guide contains detailed descriptions of all user fields. This is a quick review of the available filters:
Control Preferences work in conjunction with our bank policies to determine whether to approve a
transaction. Customers can set preferences to allow purchases tailored only to their spending patterns.
My Location - When set, these control preferences will enable the app to compare the user location and
merchant location to decide whether to approve or deny the transaction. The app determines the user’s
location by assuming the user will always carry the phone that has been set as Primary Device and by using
the phone’s location as the user’s location. For My Location alerts to work, the user must turn On the device’s
Location Settings and enable location tracking.
During a purchase, the device location will be sent when a significant location change is located. This info is
used to match address info for the store location of an in-store purchase. If the device location doesn’t match
up with the zip code in which the store is located, that purchase may be declined based on other Location
preferences. (In some cases, SecureLock knows that a centralized office address was used on the purchase
rather than the store location).
My Regions allow customers to identify up to 3 zip codes for in-store purchases. To access – Location
Controls – My Location – turn On – this is where you can add either zip codes or cities. Regions have a
minimum range of 5 miles.
Merchant Controls are also available. You can select All, or limit the types of merchants for purchases
(Entertainment, Gas stations, personal care, etc.) Customers must enable a category to use the available
controls. Disabled categories mean the controls will not be in effect. When enabling a category, by default, all
controls will set to On.
Transaction Controls enable selected transaction types (In-Store, Online, Mail/Phone, Auto Pay, ATM)
Spend Alerts – a user can specify a transaction threshold amount above which an alert will be triggered; the
transaction will not be denied.
Alert Preferences enable users to choose what types of alerts to receive , Merchant Type, Transaction Types
---In Store, eCommerce, Apple Pay, AutoPay, ATM, Funds Transfer-- & All Transactions, Preferred
Transactions, or None.
Manage Portfolio allows user to select cards/accounts to be managed or unmanaged by the app.
If a user chooses to un-manage all accounts and cards within the app, she/he will be asked if he/she wishes to
unsubscribe from SecureLock; when a user is unsubscribed, all card control services will be disabled; user will
not be able to login to the app. If the user wants to use the app after unsubscribing, a new User Name must be
selected at time of enrollment. The previous User Name cannot be reused.
Users can add new card(s) for SecureLock anagement within the Manage Portfolio tab.
Settings on Home Menu provide the following options:
• Updated Personal Info
• Set Primary Device
• Set Do Not Disturb (user can set specific times of the day during which the app does not send
notifications)
• Set Passcode
• Change Password
Please reference User Guide for more details!