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Acadia Smart Card

You have the power to control the card in your wallet with the phone in your pocket! There are so many benefits to using our AcadiaGO mobile app and Acadia Smart Card, you’ll wonder how you ever managed without it!

Get AcadiaGO to Activate Smart Card
  • Turn your debit cards on and off
  • Set dollar amount and merchant limits
  • Limit transactions to geographic regions
  • Get real-time alerts of transactions
  • Keep a step ahead of fraudsters
  • Must be activated within AcadiaGO app
What would you like to do?

More Info

The card management features in Acadia Smart card are available right from within our AcadiaGO mobile banking app.

Smart Card Features

• Turn your debit card on and off.
• Establish transaction controls for dollar amount limits, merchant categories and geographic locations.
• Receive alerts when your debit card is used, approved, or exceeds the transaction controls set by you.
• Enable alerts or controls for transaction types in four categories: In-store, eCommerce, mail/phone order, and ATM.
• See your monthly spending total for the current month.

Fraud Protection

• Real-time alerts keep you informed of attempted and declined transactions to ensure your card is only used by you.
• Transaction controls allow your cards to work only in specific locations or geographic areas.
• When your cards are “off”, no withdrawals or purchases will be approved.

Control Spending

• Stick to your budget and set spending limits or specify thresholds by merchant types, such as gas, groceries, or retail stores.
• Establish controls by location and change parameters from your mobile device.

Review Balances and Transactions

• Monitor your finances with Smart Card to check your account balance in real-time or review recent card transactions.

Business Use

• Use transaction controls for merchant codes, locations, transaction types, and thresholds to ensure employee spending adheres to company policies.
• You can even turn your employees’ cards on and off in real-time.

How to Get Started

Acadia Smart Card must be activated from within the AcadiaGO mobile app. Follow these steps:

• Tap “More” in the bottom navigation menu
• Tap “Accounts”
• Tap “Smart Card”
• Follow the steps to download the Smart Card app

Once you have Acadia Smart Card set up on your device, you can access your card controls anytime by navigating to Smart Card using the steps listed above.

Note: You will see the Acadia Smart Card app icon on the home screen of your device, but you may continue to access the app via the AcadiaGO menu. 

Read more in this article.

Frequently Asked Questions

  • Can Acadia FCU help me monitor my credit score or view my credit report?

    Yes, we sure can! From within your Acadia FCU Digital Banking portal, you can activate “Credit Score,” a free service for our members.  Powered by SavvyMoney, Credit Score will help you stay on top of your credit. It monitors your credit report daily and informs you by email if there are any big changes detected. Learn more by visiting the Credit Score product page on this site. You can also check out this video on your YouTube channel to learn more!

  • What happened to Card Valet?

    Acadia’s card control product, Card Valet, was sunsetted in the first half of 2023 in favor of a new product — Acadia Smart Card. The new version works like Card Valet did, but with integration into the AcadiaGO mobile banking app, which makes for a better user experience. You can activate Acadia Smart Card by logging into AcadiaGO and:

    1. Tap “More” in the bottom navigation menu,
    2. Tap “Accounts”,
    3. Tap “Smart Card”, then
    4.  Follow the steps to download the Smart Card app

    Learn more about Acadia Smart Card here. Feel free to contact us if you need assistance!

  • Can Acadia text me if there is suspicious activity on my account?

    Yes – if you enroll for texted fraud alerts, you will receive a text from our offsite fraud center to approve or deny a suspicious charge. Sometimes, these transactions are actually legitimate and your debit card gets blocked when it doesn’t really need to be. Learn more about this service here.

  • I want to have control of my Acadia debit card. How do I get the Acadia Smart card app?

    Acadia Smart Card can be activated within our mobile app, AcadiaGO. You can read the full article or see these quick steps to turn it on:

    How to Get Started

    Acadia Smart Card can only be used by AcadiaGO mobile app users. From your AcadiaGO app, follow these steps:

    • Tap “More” in the bottom navigation menu
    • Tap “Accounts”
    • Tap “Smart Card”
    • Follow the steps to download the Smart Card app

    Once you have Acadia Smart Card set up on your device, you can access your card controls anytime by navigating to Smart Card using the same steps listed above.

    Note: You will see the Acadia Smart Card app icon on the home screen of your device, but you may continue to access the app via the AcadiaGO menu. 

  • How will I update my AcadiaGO app when the new version is released?

    The updated, simplified interface of AcadiaGO will make our Digital Banking Experience easier navigate. No matter what mobile device you are using — whether Android or iOS — it will be the same, seamless experience.

    Do I need to re-download the app to receive the new update?
    Not if your device is set to automatically update. If auto-updates are not enabled on your device, you will need to manually update the app.

    How can I update to the latest app?
    Once the new app is released (May XX, 2022), you may follow these steps:

    For any Android device:
    1) Open the Google Play Store
    2) Tap the three horizontal lines in the upper-left corner of the screen
    3) Tap “Settings”
    4) Tap “auto-update apps”
    5) A pop-up window will ask you to select the your auto-update preference, then select done.

    If you do not want to have automatic updates, but need to manually update the application, you would need to:
    1) Open the Google Play Store on the Android device
    2) Tap the three horizontal lines in the upper-left corner of the screen
    3) Tap “My Apps & Games”
    4) You can update all their apps or tap our application to start the update

    For any iOS device:
    1) Open the “Settings” app on your iOS device
    2) Tap on “App Store”
    3) Toggle on “App Updates” to turn on automatic app updates

    If you do not want to have automatic updates, but need to manually update the application, you would need to:
    1) Open the “App Store” on the iOS device
    2) Tap your user profile icon in the upper right corner
    3) Scroll down to “Available Updates”
    4) Tap “Update” next to our application to update only our app or tap “Update All” to update all of your applications

  • The Live Support or chat bubble / icon is in my way when I try to navigate my Digital Banking.

    We’re sorry if the chat bubble gets in your way sometimes, but you can actually move it. Just tap and drag to a new location on your screen. You can’t shut it off, but moving it to a new spot should help.

  • How can I update my account contact information on file?

    We highly recommend you keep your account information up-to-date. You may do this in a variety of ways. Call us at 1-855-692-22345; use our Secure Message Center within digital banking; click Live Support in the bottom right corner of this page; OR, or you may do it yourself. In order to make these account changes yourself, visit this page with step-by-step instructions. It’s quite easy!

  • How can I learn more about Acadia FCU’s Digital Banking Experience?

    Some call it Home Banking, others call it Online Banking, but we have evolved our online platform into a multi-faceted, feature-rich experience that puts YOU in control. We are proud to offer Digital Banking and you can learn all you need to know right here!

  • How do I sign up for Digital Banking with Acadia FCU?

    Whether you are registering for Digital Banking for the very first time as a new account holder or re-registering as an existing member who hasn’t updated your Online Banking to our Digital Banking yet, you’ll see that it’s super-easy! Just take the time to read each screen and follow the steps. You may also take the guided step-by-step registration tour right here, just to see what it’s all about before you begin. If you have trouble, please contact us by clicking the Live Support bubble in the lower right corner of this screen or by calling 1-855-692-2234. We’re happy to help in any way we can!

  • What’s the difference between Digital Banking and the Online banking I do already?

    Online Banking is any form of personal banking which you conduct using the Internet – many of you do this already. While Online Banking only deals with the essential transactions – the nuts and bolts, Digital Banking goes much deeper – more “big picture” and requires a comprehensive re-engineering of Acadia’s internal systems. Online Banking is essentially one facet of Digital Banking, since Digital Banking expands beyond the nuts and bolts and simple actions of Online Banking by offering increased mobility and feature-laden transactions.

    In a nutshell, it’s what you’re already doing, but WAY better!

Need help? Send us a message.

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