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Madison County
Community Bank

301 E. Base St.
P.O. Box 834
Madison, FL 32341

850-973-2400

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SecurLOCK Equip


The SecurLOCK Equip is a new mobile app that allows you to control how, when, and where your MCCB debit card is used. It's a simple and secure way to manage and monitor your payment transaction activity.

Left the ATM or a store without your card? Lock it until you get it back!

Let your child use your card? Receive real-time alerts and monitor their spending!

You can do all this and more with the new SecurLOCK Equip app. Keep your cards safe and provide instant notifications whenever your card is used. Download today for free from the Apple App Store or Google Play Store.

HOW TO REGISTER

The SecurLOCK equip app is available for Apple and Android devices.

- Depending on your device, go to either the Apple App Store or the Google Play Store and search for "SecureLOCK Equip."

- Click "Install.

The app logo will appear on your device like this: SecurLOCK

No. This app is provided to you FREE so you have more control over your MCCB debit card.

1. Launch the SecurLOCK Equip app on your device.

2. Tap on the "Sign Up Free" button.

3. You will be prompted to enter your card information. You will need the following information: Full MCCB debit card number, card's security code, expiration date, and billing address.

4. You will be emailed a temporary secure code. Once you receive the code, enter it in the field provided. This will authenticate your account.

5. Accept the Terms and Conditions and the Privacy Policy.

6. You will be prompted to Create a New Account.

7. Create a username and password that you will use to log in to the app.

8. Enter your email address (which the app will use to send an email with information to reset a password, in case you forget your password in the future).

9. After you complete all the fields, the app will display a confirmation message. Tap "OK."

10. You will then be prompted to log in with the new credentials you just created.

Password - to log in to the app, you will need to enter the credentials (your username and password). By logging in with the username and password, the app will create a session ID and give you a certain amount of session time where the user can remain idle and still be logged in to the app. If your idle time exceeds this session time, you will be logged out of the app. If you want to get back in at this point, you will have to enter the username and password again.

Passcode - is an additional security setting provided by the app. If you set a passcode (or enable Touch ID on an Apple device), each time you navigate away from the app and come back, you will need to enter this passcode before the app will display the last page you accessed. If you set a passcode you can have a longer session time than if you do not.

You can register an unlimited amount of cards, but the cards must have been issued from Madison County Community Bank.

Please call Customer Service at 850-972-2400 and we will be happy to assist you.



HOW TO USE THE SECURLOCK EQUIP APP

SecurLock App When you initially log in to the SecurLOCK Equip App, you will see the front of your card (like the screenshot provided here).

To turn a card "On" or "Off," tap on the "Card ON/OFF" slider. When a card is turned on, the slider will be green and the card image will have a green circle in the top right corner. When the card is turned off, the slider will be grey and the circle on the card image will be red. When a card is turned off, any transactions made on the card (other than recurring payments and credits/deposits) will be denied. If your card has been out or stolen, turn your card OFF and contact the bank at 850-973-2400 and we can order you a new card.

Tapping "Control Preferences" takes you to the Control Preferences page, where you will be able to control where your card can be used.

Tapping "Alert Preferences" takes you to the Alert Preferences page, where you can set up your real-time transaction alerts.

Tapping "Recent Transaction" take you to the transaction page, where you can view transactions made on your card.

Controls To set up advanced controls, tap on the "Control Preferences" link on the Home/Card Details page.

This page will allow you to set up card controls based on you or your card's Location, the Merchant Type, the Type of Transaction, or Spending Limits.

Location You can specify a location where your card can be used by selecting the "Locations" option within the "Control Preferences" menu. The locations policies only cover in-store transactions as "Card Not Present" transactions bypass the location-based preferences.

You can set multiple location controls for each card:

TIP - "Block International" must be disabled when either the "My Region" or "My Location" option is enabled or vice versa.

My Location

When the "My Location" control preference is set, the app will compare your location (your phone's location) and the merchant location to decide whether to approve or deny the transaction.

Transactions made at merchant locations that differ significantly from your location will be denied.

The app determines your location by:
- Assuming that you will always carry the phone that has been set as "Primary Device"
- using the phone's location as a proxy for your location

TIP - For "My Location" control and alert policies to work, you must turn "On" the device's Location Settings and enable location tracking.

My Region

You can select "My Regions" to set one or multiple geographical areas where in-store transactions can be made. When the "My Regions" control is set, in-store transactions made outside the specified region(s) will be denied.

You can specify up to three control Regions per card. Each region is a circular area with a maximum radius of five miles.

Tapping the "Add Region" link brings up an interactive map where you can search for an area, then zoom in or out to specify the region. You must enter the region's name and tap "Save" after selecting the region.

Block International

To block transactions made outside of the United States, select the "Block International" option by sliding the respective slider to the "ON" position.

Both "My Location" and "My Region" sliders must be in the "OFF" position for you to be able to select the "Block International" option.

Merchant Controls With Merchant Controls, you can specify what types of merchants are allowed or denied.

When "Merchant Types" is selected as "ON," the individual types of merchants are shown. The first time you select "ON," all of the Merchant Types will be enabled.

Individual Merchant Types can be turned "OFF" by selecting the slider next to it.

Selecting "ON" for a specific merchant type will allow a transaction to be permitted at that type of merchant. Selecting "OFF" will deny any transaction at that merchant type.

TIP - If "Merchant Types" is turned "OFF" and then turned "ON" again, the last known settings will be displayed.

Transactions You can specify transaction types for which transactions are allowed and denied.

When "Transaction Types" is selected as "ON," the individual types are shown. The first time you select "ON," all of the transaction types will be enabled.

Individual transaction types can be turned "OFF" by selecting the slider next to it.

Selecting "OFF" will deny any transaction of that Transaction Type.

TIP - Is "Transaction Types" is turned "OFF" and then turned "ON" again, the last known settings will be displayed.

Spend Controls Tapping on "Spend Limits" within the Control Preferences page takes you to the Spend Controls page.

Here you can specify a transaction threshold amount, above which transactions will be denied.

Tapping the "Per Transaction" slider to "ON" will display the amount field, where you can enter the threshold amount.

Tap on "Save" for the Spend Limits controls to take effect.

Alerts Alert Preferences let you know every time a card transaction is attempted. You can be alerted for all or preferred transactions.

Tapping "Alert Preferences" on the Card Details/Home page takes you to the Alert Preferences page.

You can choose to receive alerts for "All Transactions," "Preferred Transactions," or "None."

Selecting "Preferred Transactions" from the drop-down box on the Alert Preferences page presents you with several custom alert options. Once an alert is enabled, its icon changes from light grey to blue.

TIP - In order to receive alerts, you must select your phone as your primary device. You can do this by going to the "Menu" icon in the upper left corner, and then go to "Settings" and "Primary Device."

Location Alerts

You can specify a Location Alert by selecting the "My Location" option. The locations alerts only cover in-store transactions because "Card Not Present" transactions bypass the location-based preferences.

Available Location Alerts are: My Location, My Regions, and International.

You can set multiple location alerts for each card.

TIP - "International" must be disabled when either "My Location" or "My Region" is enabled, and vice versa.

To see more information on how each location alert option works, tap on the question mark next to each option.

Merchant Alerts

You can specify merchant types for which transactions will trigger an alert.

When "Merchant Types" is selected as "ON," the individual types are shown. The first time you select "ON," all of the Merchant Types will be enabled.

Individual Merchant Types can be turned "OFF" by selecting the slider next to it.

Selecting "ON" for a specific merchant type will allow a transaction alert to be sent at that type of merchant. Selecting "OFF" will not send alerts at that merchant type.

TIP - If "Merchant Types" is turned "OFF" and then turned "ON" again, the last known settings will be displayed.

Transaction Alerts

When "Transaction Types" is selected as "ON," the individual types are shown. The first time you select "ON," all of the transaction alerts will be enabled.

Individual transaction type alerts can be turned "OFF" by selecting the slider next to it. Selecting "OFF" will mean that you will not receive any alerts for that transaction type.

TIP - If "Transaction Types" is turned "OFF" and then turned "ON" again, the last known settings will be displayed.

Spend Alerts

Here you can specify an alert for a transaction threshold amount, above which alerts will be sent.

Tapping the "Per Transaction" slider to "ON" will display the amount field, where you can enter the threshold amount of which you would like to receive alerts.

Be sure to tap "Save" for the Spend Limits Alerts to take effect.

It happens immediately after you set and save the option. For example, if you have your card turned "OFF," and then turn it back "ON," it will be immediately ready for you to use again.



OTHER QUESTIONS & TROUBLESHOOTING

Through the app, you are able to view the reason why a transaction was denied.

- Go to "Transactions"

- Find the one that was denied and open it

- Tap on the image so that it rotates to show more information

- The control or reason why the transaction did not go through will be listed on this screen

- Based on this reason, you may need to adjust your control settings (like "My Location" or "Merchant Type") to ensure the next transaction will go through

- Keep in mind that your transaction could have been declined because of external factors like non-sufficient funds or fraud monitoring.

Only the primary device will receive alerts. Be sure that you have set your device as primary by going to the main menu, then go to "Settings" and "Primary Device."

Yes. Merchant recurring transactions will be approved. Additionally, you can select to receive alerts on recurring transactions as well.

You will have to add the new account to the app. This can be done by going to "Manage Account" and then adding the new card information. Be sure to "unmanage" the old card.

Some merchants send pre-authorizations at higher amounts to test the card's validity. For example, a $25 gas purchase might display as $100. Pre-authorizations are common at gas pumps, 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.