Card Guard - America First Credit Union
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Introducing Card Guard, security you control.

America First is proud to offer this revolutionary app that lets you manage your Visa® credit and debit cards, and ATM cards, just by tapping your smartphone.

With Card Guard on your mobile device, you can:

  • Determine where you want to use your cards
  • Set per-transaction spending limits
  • Allow card use only from merchants near your phone
  • Turn your cards off whenever you don't need them

Simply put, you decide when, where, and how your cards are used.

It's the power to protect yourself and your money.

Get Card Guard, security you control, today.

Security in Seconds

With one touch, you can:

  • Lock and unlock your cards
  • Restrict card use to certain areas
  • Determine which merchants can authorize card transactions
  • Set alerts every time a transaction is attempted
  • And so much more
Card Guard Phone

Download the App

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Frequently Asked Questions


Card Guard is a free, easy-to-use tool that lets you decide when and where your America First cards are used. Download Card Guard from the Apple App Store or Google Play Store.

No, it's free. However, mobile carriers may charge for Internet access and use.

Yes. The app only displays the last four digits of your card's number and no information is stored on your device.

It's available for Apple iOS devices with 6.0+ systems and Androids with 4.0+ operating systems.

If you're already enrolled in online/mobile banking, simply download the free app from the Apple App Store or Google Play Store. If you are not a registered user, you must enroll in online/mobile banking first.

Yes. Log in to Online Banking and register each account separately. Then use Mobile Banking and your PIN/password to manage them.

Log in

You must enroll in online/mobile banking prior to using the app. Once registered, download the free app from the Apple App Store or Google Play Store and log in using your America First credentials.

Call 1-866-224-2158 or visit a branch.

Change your password when you remove a joint owner to prevent unauthorized access to your account.

Once you log in, Card Guard will keep you logged in for 48 hours unless you manually log out. To set up a passcode—an additional security measure—choose Settings from the main menu.

Control preferences

Yes, but only those that are merchant-indicated and recurring.

Control settings will function as soon as they are added.

Only the primary device can set locations. Transactions could also be declined because of other Card Guard control preferences or external factors like non-sufficient funds or fraud monitoring.

If it's been off for more than an hour, location-based controls won't activate & the transactions will go through. Additional card controls will remain in effect.

The default location for the international control is based on the device. If it's on, all transactions outside your home country will decline.

In some cases, merchants will submit pre-authorizations on fuel purchases to test the card's validity. Some use a maximum amount, such as $126, while others set the minimum at $1. If this pre-authorization goes over your set limit, the transaction will be declined.

It's typically based on the transaction's zip code. If the merchant is within five miles of where you are, it will be approved.

Yes, you should still inform us to avoid any spending interruption.

If America First owns the ATM, it will process all withdrawals from your accounts.

There are many reasons for a denial. To troubleshoot it, please call 1-800-999-3961.

Alert Preferences

These let you know every time a card transaction is attempted. You can be alerted when all or preferred transactions are being made. Alerts are also available by location, transaction type, merchant type, and threshold amount.

Only the device marked as primary and set to receive notifications will get alerts. To check your status, log in and click on Settings at the main menu.

The last 50 transactions will appear for seven calendar days.

Set your card on do not disturb, a feature available from the Settings menu.

Transaction history

Transactions show up for seven calendar days. Histories contain the last 50 transactions.

Some merchants have pre-authorizations at higher amounts to test the cards. For example, a $25 gas purchase might display as $126. Pre-authorizations are common at the pump, for a hotel stay, or with car rentals. Even though the charge is listed in Card Guard for more, it will clear for the correct amount.

Card Guard settings

To select the card(s) you want, go to Settings and tap Manage Cards. Then un-manage the card in question. Once this is done, controls and alerts cannot be set for that card. The existing controls will also be void.

After three attempts to enter the correct passcode, you will be prompted to provide your America First account number and password. Once logged in, navigate to Settings and set a new passcode.

Alerts will arrive if the card is used for a transaction, regardless of your settings.