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4Front Credit Union

Online Banking Future Dated Transfers in Drafted Status 

Since the recent update to our online banking platform we have experienced ongoing issues with future dated transfers. We are working on a fix and apologize for any inconvenience this has caused.      

Members who set up future dated transfers in online banking may have problems with the transfers going through as the status of these transfers is getting stuck in "drafted" status.

The transactions are still appearing in the 'Funds Transfer - Processed' and 'Activity Center' sections of online banking but are not being processed at this time.

We appreciate your patience as we attempt to improve your banking experience. 4Front Credit Union strives to provide members with the latest enhancements in virtual banking technology.

If you would like more information or require immediate assistance please contact a 4Front representative at 800.765.0110.

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CardValetTM

CardValet is an intuitive card management application available free to 4Front smart debit Mastercard cardholders. CardValet offers realtime card controls, helping cardholders manage their finances by specifying how, when and where their card is used, with just a few taps on their smartphone.

Play It Safe  Protect access to your card with easy on/off controls

You've misplaced your card and are concerned someone may attempt to use it. CardValet allows you to turn off your card immediately, rendering it unusable until you decide to turn it on again.

Budget Conscious  Take control of your card spending

More effectively manage your finances by tracking total monthly card spending and recent transactions, helping you easily identify problem spending areas.

Parental Controls  Decide where, when and how they use their card

Regulate and monitor your dependents' card transactions by setting spending limits and generating realtime alerts based upon geographic location, type of merchant and purchase amounts.

How Can I Get CardValet?  A few easy steps...

CardValet is available for both iOS and Android smart phones. 4Front members may download and install CardValet to your device for no cost by clicking the links below.

Download from the AppStore Download from Google Play
iOS smart phones Android smart phones

After you've downloaded CardValet, open the app, follow the prompts to connect your 4Front smart debit Mastercard and start enjoying the card security and control you deserve!

CardValet is a registered trademark of Fiserv, Inc. or its affiliates.

CardValet Frequently Asked Questions

CardValet works with the most recent operating software as well as the previous two generations of Android and iOS smartphones. CardValet is not available for smartphones using Windows software.

CardValet is currently available to manage the 4Front smart debit Mastercard.

If the 4Front Smart Debit Mastercard number is new, then the user must add the new card number to the their CardValet profile. The user may delete the old card by accessing Settings > Manage Accounts.

My Location determines proximity based upon the location of the the enrolled user's device. Therefore a dependent attempting a purchase outside of the enrolled user's proximity will be unsuccessful. To somewhat limit the dependent’s card but not effectively turn it off, the enrolled user may choose to use the broader "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 the card may be used.

CardValet only displays transactions performed with the enrolled 4Front Smart Debit Mastercard. It does not display transactions that performed on the account without using the enrolled card.

CardValet users should enter the first 20 characters of the street address.

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.

Yes. Cardholders may register multiple cards within a single CardValet app. Additional cards maybe added within the “Settings > Add Card” screen. There is no limit to the number of cards that may be linked to a single CardValet account.

Yes, though users will be prompted to identify a smartphone as "primary." The primary device's physical location is used to process “My Location” alerts and controls. Additionally, all merchant and threshold alerts will be sent to the primary device. All devices that have registered a particular card may view or change the CardValet settings for that card. Controls (including the “On/Off” setting) are set at the card level, meaning 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.”

For security reasons, CardValet will automatically log off the user after ten (10) minutes.

Yes. CardValet displays the last 50 card-based transactions posted within the last 30 days.

CardValet alerts are sent as push notifications to the device. The alerts also display under “Messages” in the CardValet app.

Specific merchant types have been created within CardValet, and these merchant types can be used for controls or alerts via the “Alert Preferences” or “Control Preferences” screen. Each of the merchant types contains various merchant category codes (MCC). It is possible for a retailer to forward a MCC that may differ from the CardValet merchant type classification. Merchant types currently supported include: Department Store; Entertainment; Gas Station; Grocery; Household; Personal Care; Restaurant; Travel; and Others.

Control settings take effect as soon as the “Updating information” message in the app completes.

Previously authorized recurring payments will continue to process and will bypass the CardValet controls.

The region shows the approximate area where the card can be used. CardValet can typically map the transaction to a zip code or city. If the city or zip code of the merchant overlaps with the selected region in the map, the transaction will process. Occasionally, a merchant location cannot be mapped to a zip code or city, in which case CardValet will default to a state-level match.

CardValet performs a proximity check at the granularity of zip code or city. If the merchant is close to home, the transactions may still process. If the transaction occurs outside the relative proximity of the device, the transaction will not process.

CardValet ignores location information that is more than one (1) hour old. If the device has been turned 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.

The My Location controls and alerts will confirm 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 affected.

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Secured Loan Rates

Secured Loans
Effective Date: Monday, January 16th, 2017
Cars (New or Used), Campers, Jet Skis, Snowmobiles, Motor Homes, and Motorcycles
TermAPR as low as*
12 to 48 months 2.440%
49 to 65 months 2.440%
66 to 78 months 2.940%
*Rates determined by member's credit worthiness and down payment

  Best Financial Institution

 Best Credit Union 2015, 2016
 Best Bank 2015, 2016
 Best Mortgage Company 2015, 2016