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Relyance Bank Card Controls Frequently Asked Questions

What are Card Controls?

Card Controls and Alerts allows you to control eligible debit cards from your Relyance Bank mobile app. You can activate or deactivate cards, restrict card usage to specific types of merchants and/or transaction types, establish threshold amounts and allow cards to only be used in specific geographical regions.

How do I access the Card Controls feature?

Card Controls and Alerts are available directly in your Relyance Bank mobile app. To access Card Controls and Alerts, log-in to your mobile app and select the Wallet icon. You can then view your available debit cards for Card Controls and Alerts.

How long does it take for a Card Controls or Alerts setting to take effect?

Card Controls and Alerts settings take effect immediately after you save your preferences.

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How do I use Card Controls to temporarily disable my debit card?

The Enable card for use toggle allows you to instantly turn your debit card on and off. To enable your card for transactions, slide the toggle to Green.

Sliding the toggle to Gray instantly disables your debit card.

If I disable my debit card are my ACH drafts or direct deposits affected?

No, Card Controls only controls your individual debit card and does not affect your checking account. Your checks, automatic drafts and direct deposits will still process as usual.

Keep in mind, Card Controls will not override any limits or controls set by Relyance Bank.

Debit card transactions may still be declined for other reasons, such as Non-

Sufficient Funds (NSF) or for transactions exceeding the daily transaction limits.

What should I do if I plan to use my debit card while traveling?

Please call us at 855-365-7359 before your trip and provide us with your travel

destination and travel start/end dates. You can also use online banking to request a travel by selecting Support > Contact Us > Send Message.

How do I request a temporary limit increase for my debit card?

Please call us at 855-365-7359 to request a temporary transaction limit increase.

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What are Location Controls? Location Controls allows you to control where your debit card can be used in two ways.

1) You can restrict your card to domestic only transactions by blocking international transactions. The Block International control helps limit debit card fraud by rejecting transactions from merchants outside of the United States.

2) Location Controls also allows you to set Region Controls. Blocking international transactions will disable all set regions.

What are Region Controls? My Regions allows you to assign each eligible card to a geographical area. When a point-of-sale transaction is initiated, we compare the merchant's location with your defined regions. Your device does not have to be physically within a defined region for the transaction to be approved. If the transaction occurs outside of your region(s), it is denied. Region Controls allows you to define three (3) geographical areas in which transactions are permitted.

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How do I create a region? Create a region by zooming in and out on the map or by entering search criteria. The areas within the corners of your map are included as part of the region.

What is a Threshold Amount?

A Threshold Amount is the maximum dollar amount for a point-of-sale transaction. If a transaction exceeds your defined amount, the transaction is declined. Keep in mind, a transaction may still be declined if it exceeds the daily transaction limit.

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How are Merchant Types Used? Use the Merchant Types control to permit or restrict your debit card from being used with specific categories of merchants, such as restaurants and department stores. To enable Merchant Type Controls, slide the Enable Merchant Types toggle to Green. A list of available Merchant Types will appear. To enable transactions from a specific Merchant Type, slide the corresponding toggle to Green. When the toggle is set to Green, card transactions for this Merchant Type will be approved. To disable transactions from a specific Merchant Type, slide the corresponding toggle to Gray. When the toggle is set to Gray, card transactions for this Merchant Type will be declined. In this example, card transactions from merchants in the Restaurants category would be declined because the toggle is set to Gray.

What types of merchants are included in each Merchant Type Category?

Please reference the following page for a helpful list of example merchants in each category. If a specific merchant type is not listed or cannot be determined, it

will fall into the “Others” category.

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Card Control Merchant Type Examples

Department Store

Clothing and accessories, office supplies, florists, automobile dealers, home improvement services and equipment, art and sports supplies and direct

marketing

Gas Station

Fuel pumps, service stations and warehouse club gas

Household

Utility services contracted services, business services, shipping services, home improvement services, appliance stores, money transmitters,

savings bonds

Restaurant

Restaurants, diners, fast-food restaurants, food trucks and caterers

Age Restricted

Liquor and tobacco stores, casinos, betting, bars, taverns, night clubs, dating services, lottery and

gambling

Entertainment

Amusements parks, movie theaters, bookstores, music, games, digital entertainment, sports arenas,

golf courses, athletic events, aquariums, video rentals and dance halls

Grocery

Supermarkets, bakeries, butchers, candy stores and other confectionaries, dairy products, specialty

food markets and convenience stores

Personal Care

Drug stores, pharmacies, health professional services, doctor’s offices, medial services and labs, ambulance services, legal services and attorneys

Travel

Airlines, car rental, hotels, motels, bed and breakfasts, resorts, timeshares, toll and bridge fees, taxis, rideshares, parking lots and garages

Others

Other cases where the merchant type is not identified are grouped in the Other category.

Merchants falling into the Other category is rare but is defined by the merchant’s POS setup.

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How are Transaction Types Used?

Use Transaction Types to control which types of transactions are permitted. For example, if you do not regularly shop online or through catalogs, you can disable eCommerce and Mail/Phone Order transactions until needed.

To enable transactions from a Transaction Type, slide the toggle to Green. When the toggle is set to Green, card transactions for this Transaction Type will be approved.

To disable transactions from a Transaction Type, slide the toggle to Gray. When the toggle is set to Gray, card transactions for this Transaction Type will be declined.

If I have my debit card disabled in Card Controls will my recurring or automatic transactions go through?

Yes. Recurring transactions (Auto Pay) will still be approved while your card is DISABLED. This ensures any automatic payments you have scheduled will not be

interrupted while you have your card temporarily disabled.

To restrict recurring or automatic transactions, you must disable Auto Pay in the Transaction Types menu.

What types of merchants are included in each Transaction Type Category?

Please reference the following page for a helpful list of example transactions for each category. Although rare, if a specific transaction type is not listed or cannot

be determined, it will fall into the “Other” category.

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Card Control Transaction Type Examples

In-store

Departments stores, pharmacies and other card purchases made by the cardholder.

Mail/Phone Order

Catalog shopping, travel agent payments and other card purchases paid for via telephone, fax, mail or

Internet.

Auto Pay

Automated bill payment, monthly subscriptions and other card purchases for which payment is

scheduled on a predetermined date.

To restrict recurring or automatic transactions, you must first disable Auto Pay in the Transaction Types

menu before disabling the card.

ATM

Cash dispensers, cash kiosks and ATMs from which cardholders can withdraw cash.

Online

Online bill payment, online shopping and other card purchases paid for via Internet.

Other

Cases where transaction types cannot be identified will fall under this category.

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Relyance Bank Card Alerts Frequently Asked Questions

What are Card Alerts? Card Alerts works with Card Controls and allows you to customize the push notifications you receive on your mobile device from cards enrolled in Card Controls. You can activate or deactivate card alerts, set card alerts for specific types of merchants and/or transaction types and select a threshold transaction amount for receiving a card alert.

How are Merchant Types Alerts Used? Use Merchant Alerts to receive an alert whenever the enrolled card is used with specific categories of merchants, such as restaurants and department stores. For example, you can disable the merchant type alerts for groceries and fuel for everyday purchases but enable alerts for entertainment and travel. Refer to the Card Control Merchant Type Examples list for more information on types of merchants included in each category. To receive an alert for a specific Merchant Type, slide the corresponding toggle to Green.

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How are Transaction Types Alerts Used? Use Transaction Alerts to control which types of transactions trigger an alert. For example, if you do not often make online purchases, you could enable eCommerce to receive an alert when an enrolled card is used in an online transaction.

What is the International Alert? The International Transaction alert is similar to the transaction type alerts, but it is a category of its own. It can be set to on or off. If International Transaction alerts are enabled, an alert will be delivered any time the card is used in a transaction outside of the registered country.

What is a Threshold Amount Alert? A Threshold Amount alert is the dollar amount that, if exceeded, will trigger an alert. If a transaction exceeds your defined amount, an alert will be delivered to your mobile device.

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Relyance Bank Digital Receipts Frequently Asked Questions

How does the Digital Receipts feature work?

Digital Receipts enables you to capture and manage receipts directly from your mobile wallet. With Digital Receipts you can capture photos of your paper receipts, so the merchant and transaction amount can be extracted and stored for later use. You can then access stored images of these receipts within a specialized receipts list regardless of what type of funds were used to make the purchase.

How do I get started using Digital Receipts?

You will be automatically enrolled in this free service the first time you access Digital Receipts within the Relyance Bank mobile app. To access Digital Receipts, log-in to your mobile app and select the WALLET icon, then select Receipts.

Why do I need to create a Receipt Email and how is it used?

Creating a personalized receipt email address allows you to easily capture receipts that are emailed to you instead of printed.

Simply forward the email containing your receipt to your personalized receipt email address and Digital Receipts will import the receipt info for you.

Keep in mind that your personalized receipt email cannot be used for emails other than receipts.

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How do I capture an image of a paper receipt?

To add a new paper receipt, open Digital Receipts and select the Plus Icon. The app will then load a capture screen like you are taking a photo.

For the best results, make sure there is sufficient lighting and the edges of the entire receipt are visible.

To add a new electronic receipt you received by email, simply forward the email containing your receipt to your personalized receipt email address and Digital Receipts will import the receipt information for you.

There are two ways to scan receipts using Digital Receipts:

Automatic mode automatically captures the receipt image by hovering your device over the paper receipt.

Manual mode allows you capture the receipt image manually. This method is great for long receipts, receipts printed on 2 sides or receipts that are difficult to detect automatically.

Manual mode can also be used to capture receipts against a light background or if the receipt image isn’t automatically captured.

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How do I capture and upload a receipt?

Tap the X Icon to cancel receipt capture and return to the main menu.

For tips on capturing the best image, select the Info Icon.

The Flash Icon turns on or off your device’s flash.

The Grid Icon enables an on-screen grid for aligning your receipt image.

Move the Slider Icon to resize the available image capture area.

Select the Camera Roll to manually import a receipt image taken outside of Digital Receipts.

Select the Plus Icon when you are ready to capture your receipt.

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Can I distinguish between personal and business expenses? When capturing a new receipt, you will be prompted to select the expense type. This allows you to keep track of Business and Personal expenses.

How do I edit my receipt details? After a captured receipt has been processed, the details can be edited to add or modify any information that didn't pre-fill correctly. You can also categorize your receipts by choosing a predefined Category. Tagging each receipt with a category allows you to track and manage expenses for each category. Be sure to tap Done to save the receipt's record.

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How do I retrieve and view my receipts?

Your Receipt List displays all your receipts in chronological order. You can view receipts by month, week or by specific folders.

To view details of a receipt and produce a digital image of a captured receipt, simply select the receipt from your list of uploaded receipts.

If needed, you can also make further edits to your receipts.

What are folders? Folders are an optional way for you to organize your receipts. You can group related receipts together so that you can easily view and export them as a group. Also, when you add receipts to a folder, you'll be able to see the total dollar value of those receipts. You can also Star a specific receipt for quick access.

How do I search for my receipts? From the Receipt list, tap the Magnifying Glass icon in the top-right. A search bar will appear, allowing a keyword search. You can search by merchant name, item name, dollar amounts or even by the added notes on a receipt. You can apply Filters to narrow your results by tapping the Filter icon to the right of the search bar.

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How do I use receipt reminders? Many retailers have specific timeframes for making returns or exchanges, even when you have your original receipt. To help keep track of these windows, Digital Receipts allows you to set reminders for return/exchange periods. You can also set reminders for warranty timeframes on purchases. Select the receipt you would like to add a reminder to and tap Reminders. You can then select the return/exchange timeframe or warranty period for that receipt.

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How do I export my receipts and expense data? Digital Receipts allows you to easily export receipt image and data that you have captured and saved. To export your receipt data, tap Select and select the receipts you would like to export. You can also use Select All to select all available receipts.

Then, tap Export to choose how you would like to export your receipts. Exporting your receipts allows you to easily track, organize and back up your expenses in several file formats. When exporting, receipt information can be saved in three ways: Excel File (.xlsx) for use in a spreadsheet program CSV File (.csv) produces a comma separated file PDF Document (.pdf) produces a single file containing all selected receipt images

Are digital copies of receipts accepted by the IRS? Yes, the IRS will accept images of documents, such as receipts, as long as the image complies with the IRS standards for electronic records and includes all necessary information. Be sure to consult with your own tax professional before discarding original receipts.