How to Manage Your Debit and Credit Cards

Our digital society may be driving you crazy, with text messages, junk email and push notifications bombarding your mobile device or computer. But when it comes to staying on top of your credit or debit card accounts, you may save money by allowing the annoying noises to ding at you.

In fact, signing up for at least some mobile alerts to help you stay up to date on your credit or debit card usage should be a “no-brainer choice,” according to advisers contacted by CreditCards.com.

While many financial institutions provide real-time management of card transactions and balances online, these capabilities are increasingly moving to the smartphone or other mobile-friendly device. The writers at NerdWallet contend the smartphone is the “secret weapon for better managing your credit cards.”

The financial services technology provider Fiserv cites a 2018 Harris Poll showing almost half of U.S. banking customers receive alerts through financial organizations (65 percent of 18-24 year olds receive these alerts). Consumers surveyed were most interested in alerts regarding unusual amounts of activity on credit cards or ATMs, and credit card transactions that exceed a limit, are declined or are out of a usual geographic area.

A credit union like RBFCU can provide you with the online and mobile real-time access to the accounts you need. Through the “Manage Cards” option in RBFCU’s Online Banking platform or on the RBFCU Mobile app, members have options that will help them keep tabs on their credit or debit cards with:

For additional information on RBFCU credit cards and to see a list of helpful FAQs, visit rbfcu.org's credit card webpage.

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Membership eligibility is required. Credit cards are subject to credit approval. Rates and terms subject to change; other restrictions may apply.

This information is intended to provide general information and should not be considered financial advice. Please consult a financial advisor for more information.

RBFCU does not charge a fee for the RBFCU Mobile application, but you may be charged for data by your mobile wireless provider.