Spring is here—the season of fresh starts, longer days, and maybe a little spring cleaning. While you’re busy organizing your home and refreshing your routine, why not take the opportunity to tidy up your finances as well? Whether you’re planning a vacation, tackling home projects, or just trying to stick to a budget, now is the perfect time to take control of your spending with MyCardRules.
At White River Credit Union, we’re all about providing convenient, innovative solutions that make managing your money easier. That’s why we offer MyCardRules, a free and user-friendly app designed to give you complete control over your debit and/or credit card. With features that allow you to set spending limits, receive real-time alerts, and even turn your card on or off, MyCardRules helps you spend smarter and protect your finances—all with just a few taps on your phone.
Why MyCardRules is a must-have for smarter spending
It’s free, easy to sign up, and easy to use
One of the best things about MyCardRules is that it’s completely free for WRCU members. You don’t have to worry about subscription fees, hidden costs, or complicated sign-ups. The app is designed to be intuitive and easy to use, so you can take control of your finances without the frustration of a steep learning curve.
If you’re curious about how MyCardRules works before downloading it, we’ve put together a helpful demo on our website that walks you through the features step by step: https://whiterivercu.com/virtual-banking-tools/visa-card-tools/my-card-rules/
Control your finances with confidence
With MyCardRules, you’re in charge of when, where, and how your WRCU debit and/or credit card is used. Instead of worrying about unexpected transactions or struggling to keep up with spending, you can customize your card settings to fit your financial needs.
Some of the most useful features include:
- Setting spending limits: If you’re trying to stick to a budget, MyCardRules allows you to set daily, weekly, or monthly spending limits. This is especially helpful if you tend to overspend on impulse purchases or want to be more mindful of your financial goals.
- Turning your card on or off: If you misplace your debit and/or credit card—or just want to take a break from spending—you can instantly turn it off with the tap of a button. If you find your card later or need to make a purchase, simply turn it back on.
- Receiving real-time alerts: Get instant notifications for every transaction made with your card, helping you stay aware of your spending and detect any unauthorized activity immediately.
- Restricting transactions by location or merchant type: Traveling to a new city? You can limit transactions to certain geographic areas for added security. You can also block purchases from specific types of merchants to help curb unnecessary spending.
These features aren’t just about preventing fraud—they also help you make intentional choices about your spending habits.
Real-life ways MyCardRules simplifies your life
Perfect for parents managing teens’ accounts
Teaching kids about money management isn’t always easy, but MyCardRules makes it more straightforward. If your teenager has a WRCU debit card, you can use the app to set spending limits, monitor transactions, and receive alerts whenever the card is used. This allows you to give your teen some financial independence while maintaining oversight.
For example, if your teenager has an allowance or a part-time job, you can set a weekly spending limit to ensure they don’t blow through their funds too quickly. You can also restrict purchases from certain types of stores or online retailers, encouraging responsible spending habits.
Pairing MyCardRules with a Rocky Raccoon Kids’ Account or a Teen Account can help young members build smart financial habits early while allowing parents to maintain peace of mind.
Protect your card while traveling
Spring is a popular time for vacations, whether a weekend getaway or a full-fledged spring break trip. But while you’re enjoying your travels, the last thing you want to worry about is fraudulent transactions or lost debit and/or credit cards.
MyCardRules makes traveling safer by allowing you to:
- Turn your card off if it’s lost or stolen to prevent unauthorized use.
- Set location-based controls to ensure your card is only used in specific areas.
- Receive instant transaction alerts so you can quickly catch any suspicious activity.
These security features add an extra layer of protection, helping you travel with confidence knowing your finances are secure.
How to get started with MyCardRules
Simple steps to set up your account
Getting started with MyCardRules is easy. Just follow these steps:
- Download the MyCardRules app from the App Store or Google Play.
- Register your WRCU debit and/or credit card using the app. You can add all of your WRCU cards in one app, even if they’re on different WRCU accounts.
- Customize your settings to match your spending and security preferences.
- Start using MyCardRules to monitor and control your card transactions in real time.
For a detailed walkthrough, visit our MyCardRules demo page, where we provide step-by-step guidance on setting up and using the app.
Explore additional WRCU services
MyCardRules is just one of the many tools WRCU offers to help you manage your finances more effectively. If you’re looking for even more ways to stay on top of your spending, consider these additional services:
- Online and Mobile Banking – Track transactions, transfer funds, and set up alerts from anywhere.
- Savings Accounts – Set aside funds for upcoming expenses, vacations, or emergencies.
- In-house WRCU financial counselors – Our counselors are available to help you through many financial challenges you might be facing.
By combining MyCardRules with these additional tools, you can create a well-rounded financial strategy that helps you stay organized and make the most of your money.
Ready for better money habits? Try MyCardRules today
Spring is all about renewal, and there’s no better time to refresh your financial habits than right now. MyCardRules makes it easy to set limits, monitor spending, and protect your money—all from the convenience of your phone.
If you’re ready to take control of your finances, download MyCardRules today and experience the benefits of smarter, more secure spending.
Have questions or need assistance? Contact WRCU—our friendly, local team is always here to help.
With WRCU and MyCardRules by your side, you can step into spring with confidence and financial control.
