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Turn it off, turn it on!

Effective May 18, 2022 The Card Nav system will no longer be available to members. Please use our text or email notification service through Online Banking. It is easy and free! Stay up to date on all purchases, withdrawals and ACH transactions by text or email or both!

Card-Nav can give you complete control over your debit card activity!

Card Nav Logo

CardNavSM by CO-OP

New security and control for cardholders.


Introducing unprecedented, real-time control over your VISA® debit cards through your smartphone or tablet.

CardNav adds another level of security to your cards by letting you decide how and when they can be used, and alerting you when any types of transactions you specify take place. You can even use CardNav to set personal spending limits that help you stay within your budget goals.

  • Turn cards on or off in seconds.
  • Use GPS to restrict transactions to businesses within a designated area.
  • Limit card use to specific merchants or purchases.
  • Receive real-time, in-app alerts that let you stop unauthorized purchases before they’re complete.
  • Receive alerts when you’re getting close to any personal spending limits you’ve set.

CardNav FAQ

Download the CardNav by CO-OP app, and gain a new level of security and control over your money today.

ios app store
google play store

Add CardNav
To Your VISA Debit!


CardNav is an easy-to-use mobile app that gives VISA© debit cardholders the ability to turn on and off their cards, set controls for the use of their cards and receive alerts for certain types of card activity.

This enhancement to debit cards through gives credit union members control of their cards, while also protecting credit unions members from fraudulent card activity. By allowing users to turn cards on and off in real-time and to set alerts notifying them of unusual card activity, CardNav users are able to make proactive decisions regarding their cards, as well as respond immediately to card-use situations as they occur.

CardNav does not replace existing fraud programs; it adds an extra layer of security. In fact, adding the mobile channel to a card program can reduce fraud expenses, protecting your credit union’s bottom line.

Features & Benefits:

  • Members can access and manage their cards through CardNav anytime, anywhere.
  • Users can turn cards on or off in seconds, securing accounts when the card is not in use.
  • Members can use GPS-enabled location parameters to limit where cards can be used and to block out-of-area attempts.
  • Members can set and adjust spending limits, adding security and enforcing budget discipline.
  • In-application notifications keep members apprised of card activity in real time.
  • CardNav mutually authenticates at the app level and the cardholder level for stronger security.
  • Members can easily track monthly spending.
  • CardNav does not store protected cardholder data, such as card numbers, PINs or passwords on mobile devices.
  • In case of lost mobile devices, the app can be remotely deactivated.
  • CardNav works seamlessly with Android and Apple iOS
  • Participating members can download the app at no cost on the Google Play Store or iTunes.