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The power to protect your personal and business debit cards is in your hands.
SecurLOCK Equip is a new mobile app that allows you to control how, when, and where your debit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your debit cards safe and provide instant notifications whenever your card is used.
SecurLOCK Equip requires you have a debit card issued from Emprise Bank. You will also need an Apple or Android smartphone. After downloading the app, you will be instructed to enter your full account number and then other authentication information. Once registered, you can begin using the app immediately.
It is simple. If you have an iPhone, just download the app from the Apple store. If you have an Android phone, you download the app from the Google Play store. Once the app has successfully downloaded to your smartphone, you can begin to register your cards.
Only Emprise Bank personal and business debit cards can be managed with SecurLOCK Equip. Emprise Bank credit cards cannot be used with SecurLOCK Equip.
No. It is provided to you free so you have more control over your card.
On the login page of the SecurLOCK Equip app, tap “Forgot Password?” below the Login button. Enter your SecurLOCK Equip username and click OK. You will be emailed a one-time security token. Enter your username, this security token, and then create a new password.
Contact us right away if your debit card is lost or stolen, and turn off your card in the SecurLOCK Equip app. After you receive a replacement card, you must add this new card to your SecurLOCK Equip account via Menu > Manage Portfolio > Add Card. The old card cannot be removed, but you can unmanage the card via Manage Portfolio.
SecurLOCK Equip allows you to manage your debit cards only. It does not provide information about your other Emprise Bank accounts, such as savings, checking, and loans. The Emprise Bank mobile app should continue to be your on-the-go connection to your Emprise Bank accounts and loans.
You can have up to fifteen debit cards in SecurLOCK Equip, but the cards must be issued from Emprise Bank.
Our system requires that you enter the last four digits of the Social Security Number of the primary cardholder. If you are registering your debit card as a joint cardholder on the account, you must use the primary cardholder’s information during registration.
You must enter your password to access your account in SecurLOCK Equip. If you navigate away from the app and then return to it before your session has timed out, you may enter your passcode to access your account again. The passcode can be as few as four characters. It provides an extra layer of security while increasing your convenience.
If you have a compatible iPhone, you may also choose to use Touch ID instead of your password and passcode for subsequent logins.
You can begin using the service immediately. By turning the card off, the little green button in the top right corner of the card image will turn to red. This means that all transactions (except for recurring) will be declined. When ready to make a purchase, simply turn the card back on. It is that easy. Now you have the ultimate control to combat fraud.
After you become comfortable with the on/off function you can start setting controls and alter by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spending limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts and much more.
It is an immediate notification sent to the app. You can select to be alerted on all your payment transactions including recurring payments or you can select just preferred transactions. Preferred alerts are available by spend limits, location, transaction type, and merchant category.
No. Alerts are sent via push notifications through the app. These alerts also display under Messages in the SecurLOCK Equip app.
No. Using the card controls does not change the status of your account.
It happens immediately after you set and save the option.
Yes. Merchant recurring transactions will be approved. Additionally, you can select to receive alerts on recurring transactions as well.
In the app go to Transactions, find the one that was denied and open it, tap the image so it rotates, and the control(s) that were evoked during the authorization will be listed near the bottom. The transaction could also be declined because of external factors like non-sufficient funds or fraud monitoring.
Only the primary device will receive alerts. Use the settings menu in the app to set your device as primary.
You will have to add the new debit card to the app. This can be done by going to Manage Account and adding the card. Be sure to “unmanage” the old card.
There is a “Help” function within the app as well as a “Contact Us” category where you can call or email Emprise Bank.
Some merchants send pre-authorizations at higher amounts to test cards' validity. For example, a $25 gas purchase might display as $126. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the charge is listed in the app for more, it will clear your account for the correct amount.
To select the card(s) you wish to manage, go to Settings and choose Manage Cards. Then uncheck the card or cards you don't want to manage. Once a card is unmanaged, controls and alerts cannot be set for that card.
The app requires a password to access the app. Also, there is no personal information stored on the smartphone. The app only displays the last four digits of your card number.