CardValet | Icon Credit Union


Protect and manage your Icon Visa Debit Card.

CardValet is an app that helps you protect and manage your Icon Debit Card by giving you the control of how, when and where your card is used. With CardValet, you can easily and conveniently manage controls and alerts through your mobile device.

We’re happy to announce Card Valet now supports protection and spending controls for your Icon debit and credit cards!

With CardValet you can:

  • Manage all cards associated with your membership share.
  • Turn your card “on” and “off.”
  • Stick to a budget by setting a spending limit on your card.
  • Set up where exactly your card can be used by either a specific location or merchant type. Such as department store, gas station, grocery store, etc.
  • Review balances and transactions.
  • See your Aggregate Monthly spending total – this will display the cumulative spending amount on your card for the current month.

Watch the video to the right for detailed instructions on how this app works!

To learn even more about CardValet, visit

Download CardValet today:

Icon members will need to create an account and enroll their cards for full access.

CardValet® Frequently Asked Questions

Yes. CardValet works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.
Yes. We have a comprehensive video tutorial that explains all the features and functionality of CardValet. Please click here to access the video tutorial.
The checking balance you see on Card Valet reflects all of your purchase power using your debit card. This includes your current checking account balance and, if you are opted in to overdraft on debit card purchases, this will also include your courtesy pay available balance. This courtesy pay available balance is typically $500. It is important to note that other overdraft sources that you have set up, such as a line of credit or your savings account, will be exhausted first before courtesy pay is used to approve transactions. Remember that when this courtesy pay limit is accessed, it will result in an overdraft fee of $29 per instance. If you have any questions about this service or how to add additional overdraft sources, please contact us.
Yes. Simply delete the app from your phone and you will no longer be enrolled in CardValet.
The app automatically logs the user off in 10 minutes.
Updates will show on your phone where they usually appear.
CardValet passwords must be at least eight (8) characters in length and must contain at least: one (1) upper case character, one (1) lower case character, one (1) number and one (1) special character.
Open the app then select Login. Select Forgot Password then enter your username and select Ok. You will be sent an email with a security token you will need for the next step. Once you receive the email with the security token, enter the number into the Security Token field then create a new password and select Ok. You should receive a confirmation on your screen that the password was been reset and take to the login screen.
Yes; cardholders can register multiple cards within a single CardValet app. Additional cards can be added by selecting the Menu button then select Manage Portfolio. From here you can add and remove additional cards.
The primary device is used to track the GPS for “My Location” alerts and controls and all merchant and threshold alerts will be sent to the primary device. All devices that have registered 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 re-set by accessing “Settings – Primary Device.”
Each person who registers a card will have access to controls and alerts for the card. In many cases, the child will not know about CardValet unless the parent shares the information.
If the card number is new, then the user must “add” the new card number. In addition, the user may delete the old card by accessing Settings > Manage Portfolio.
My Location controls and alerts will check to ensure the merchant location is within a five (5) mile radius of the device set as “primary” within CardValet. These controls impact “card present” transactions only, therefore internet transactions are not impacted.
CardValet ignores location information that is more than one (1) hour old. So, if the phone is off for more than an hour My Location controls will not take effect, and the transaction will not be denied on the basis of the old location information.
CardValet performs a proximity check at the granularity of zip code or city, so if the merchant is close to home then the transactions will still go through.
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 when a merchant location cannot be mapped down to a zip code or city, in which case CardValet will default to a state-level match.
Yes. International transactions can be blocked using the “International” location control. Transactions will be limited to the United States.
Previously authorized recurring payments will continue to process and will bypass the CardValet edit checks.
Control settings take effect as soon as the “Updating information” message in the app stops.
The user can set the “Do Not Disturb” time that will suppress notification during the set times. Some notifications will still be delivered. Ffor example any transaction denial or any transaction that is a card-present authorization. The user can also disable ALL alerts by going through the card alerts drop down box.
CardValet alerts are sent as push notifications to the phone. The alerts also display under “Messages” in the CardValet app.
No, the alerts are consolidated into one message. For example, if the message has violated “Threshold” and Location settings then you will see only one alert and not multiple alerts.
Yes, the app shows the last 50 card-based transactions posted within the last 30 days.
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. For example, it does not show teller transactions or bill pay on an account.