Card Controls let you automatically allow or deny certain transactions based on a variety of categories, offering in-depth control over how your card is used.

To set up card controls:

1. Login to mobile banking, tap on Cards in the menu.
2. Scroll down to select Controls and Alerts. From this screen, you can set both controls and alerts in order to stay informed and in charge of your card. From the Controls tab, you have a variety of options, including Locations, Merchant Types, Transaction Types, and Spend Limits. Location Controls gives you the option of allowing or denying transactions based on location.
3. When ready, tap apply your changes to return to the Controls menu.

Watch the video below to walk-through these steps and screens.

Alerts are a great way to stay informed about your cards, and a powerful tool for fighting fraud. You can choose to be notified about specific types of transactions, or even receive alerts every time your card is used.

To set up alerts:

1. Login to mobile banking, tap on Cards in the menu.
2. Scroll down to select Controls and Alerts. From this screen, you can set both controls and alerts in order to stay informed and in charge of your card.
3. Select the Alerts tab, you can receive alerts for all card transactions, no alerts, or alerts for selected transactions. You can choose to receive alerts based on the location of transactions, merchant types, transaction types, and spend amount.
4. When ready, tap apply your changes to return to the Controls menu.

Watch the video below to walk-through these steps and screens.

Planning on taking a trip? Set up a travel plan to ensure your card is ready to go.

To set up travel alerts:

1. Login to mobile banking, tap on Cards in the menu.
2. Scroll down to select Manage Travel Plans. Any travel plans you’ve previously set up will appear here. To add a new plan, select add. For security reasons, you’ll be asked to verify your identity. Choose how you’d like to receive the security token, then select Next.
3. Next, you’ll add your destinations, and travel dates. Please note that travel plans may have a limit. If your trip is longer than this, or you have any concerns, please contact us.
4. Select your return date from the calendar, and if everything looks correct, save your plan. Your travel plan will appear in your list. Select the plan to view its details. From here, you can make changes, or delete the plan if it’s no longer necessary.
5. When ready, return to the Controls menu.

Watch the video below to walk-through these steps and screens.

Misplace a card? Lose a wallet? We can help!

1. Login to mobile banking, tap on Cards in the menu.
2. Select Report Lost or Stolen. Select whether your card was stolen or simply lost. If it was lost, enter the date it went missing, then continue.
3. You will then be asked if you recognize all the transactions on your card. Make your selection, then select next to prevent unauthorized purchases. You will be prompted to call the service center number provided to you. Simply tap to call, or stop by and see us, then let us know what happened to your card and report any transactions you don’t recognize.

Watch the video below to walk-through these steps and screens.

Mobile and Online Banking uses multi-factor authentication (MFA) to provide an extra layer of protection for your sensitive financial information. After entering your password, a one-time passcode is used to verify your identity when you sign in from a new device, reset credentials, or handle sensitive tasks such as authorizing transfers. All MFA texts for Bank of Oak Ridge come from 36397.

Biometrics provide an added layer of security, making it more difficult for unauthorized individuals to access your account should your mobile device get lost or your account username and password be compromised. Biometric authentication—such as a fingerprint or facial recognition scan—is unique to you and can’t be replicated, making it a highly secure form of identification. Set up your app login to use a biometric today, and call us or stop by with any questions or for help setting this up on your device.

Zelle^® is a great way to send and receive money with friends, family, and others you know and trust. But it’s important that you use Zelle^® safely. Once you authorize a payment, if the recipient is already enrolled in Zelle^®, it can’t be undone.

Here are some tips to help you send money safely with Zelle^®:

• Make sure you have the correct email or US mobile phone number for your recipient. If you aren’t sure, ask! It’s easy for people to change phone numbers, so double-check that your friend hasn’t updated theirs.
• Know the options you have for sending money. If you’re ordering something and don’t know the person or can’t guarantee you’ll get what you expect, you might want to consider an alternate payment method, like a credit card. Many credit card companies offer purchase protections. Zelle^® does not.
• One common scam involves someone offering you a great deal, like front row seats at a concert, who then takes the money and runs. Because you authorized the payment, this transaction is not considered fraud and is generally not covered by financial institutions. You may not be able to get your money back.
• Think of Zelle^® like cash. If you wouldn’t risk sending a stranger a $100 bill, don’t use Zelle^® to do the same.
• Another common scam involves someone sending you an email, text, or even a call, claiming to be from your financial institution. While the phone number may look like it’s coming from us, be on the alert if they ask for personal information like usernames, passwords, or verification codes over the phone to “fix” a problem. We will also never instruct you to send money with Zelle^®, to yourself or anyone else. If you receive one of these calls, remain calm. Scammers want you to feel nervous or alarmed because you’re more likely to do what they want. Hang up or delete the text, and call us directly at our number you know to be legitimate – (336) 644-9944.

If you follow these guidelines, Zelle^® is a fast, safe, and easy way to send money to people you know and trust.