Your card, your rules.
CardNav gives you control over how, when, and where your OAS FCU Debit Card is used.
Turn your card on or off instantly, set spending limits, get alerts for every purchase, and even restrict use by location or merchant type.
Download the CardNav app from the U.S. App Store or Google Play and take charge of your card security—right from your phone.1,2
Take Control of Your Card — Anytime, Anywhere
Your OAS FCU Debit Card just got smarter. Meet CardNav, the free app that puts you in charge of your spending and security—right from your smartphone or tablet. Whether you want to set spending limits, control where your card is used, or get instant alerts, CardNav gives you total freedom and peace of mind.1,2
What is CardNav?
CardNav is your ultimate card management companion. Easy to install and free to use, it lets you monitor and control your OAS FCU Debit Card in one place. You decide how and when your cards work — set geographic limits, restrict spending amounts, turn your card on or off with a tap, and get real-time purchase alerts that help you stop unauthorized transactions before they happen.1,3
Benefits That Empower You
Instant On/Off Control
Turn your Debit Card on or off anytime with a simple tap.
Smart Spending Limits
Set daily or per-transaction spending caps to stay on budget.
Location-Based Security
Restrict transactions to specific locations based on your phone’s GPS.2
Real-Time Alerts
Get notified immediately of any purchases or suspicious activity.3
Find Fee-Free ATMs & Shared Branches
Locate surcharge-free ATMs and CO-OP shared branches nearby using the app.4
Manage Multiple Cards
Link and control all your OAS FCU Debit Cards in one place.
Take Control Today
How It Works
Download the free CardNav app
Get it on your smartphone or tablet from the U.S. App Store or Google Play.
(CardNav is only available for download through U.S. app stores.)2
Register your OAS FCU Debit Card
Set up your account and customize your card controls in just minutes.
Stay in control, anywhere
Receive instant alerts and manage your card permissions anytime, from anywhere.2,3
Download the free CardNav app on your smartphone or tablet.1
Frequently Asked Questions
Yes! CardNav sends real-time alerts directly to your phone’s lock screen for immediate action.2
As long as you want—you decide when to turn it back on for purchases.
Yes, location controls work when GPS is enabled. If GPS is unavailable for over eight hours, location-based restrictions temporarily pause.
No, CardNav is a mobile-only app controlled through smartphones and tablets.
CardNav may be downloaded only from the U.S. App Store and U.S. Google Play.
If your device is linked to another country’s store, you may need to temporarily switch your region to the United States to download it.2
Once installed, you can use CardNav anywhere in the world as long as your device has an internet connection.
Contact the Member Services team or call 202-458-3834 for help with CardNav.
Disclosures
CardNav® is a third-party service. Availability and functionality may vary by card type and enrollment. Additional terms, conditions, and privacy practices may apply.
CardNav is available only to U.S.-based members and may be downloaded only from U.S. app stores. App features and functionality may vary based on device settings, operating system, GPS availability, internet connectivity and local restrictions, and may not function at all times or in all locations. Location-based controls require that you enable location services (GPS) and permission for the app to access your device’s current location. If your device is turned off, lacks cellular service, or cannot provide GPS location data, CardNav will rely on the last known GPS location. If this condition continues for more than eight hours, location-based controls may temporarily pause. During this time, transactions may not be declined based on location preferences, and alerts related to location-based controls might not trigger; however, an alert may still be generated to notify you that a transaction occurred. When your card is turned off, most card transactions are declined and alerts may be generated for attempted transactions; however, certain transactions, such as recurring or automatic payments and credits (including deposits, returns, and reversals), may still be processed even while the card is turned off.
Alerts and card-control features do not replace your responsibility under Regulation E to review account activity regularly and report unauthorized transactions to OAS FCU. promptly
ATM and shared branch availability is subject to network participation. Fees may apply for services offered by third parties.