Frequently Asked Questions - Cards App

Credit Union of Colorado offers a mobile application solution for nearly any mobile device for iPhone and Android devices. We have dedicated mobile apps downloadable through the app stores via the mobile.

The security of the CUofCO Cards App can only be accessed from your mobile phone using your username, password or fingerprint. We regularly test, update and validate our security model to ensure we maintain a banking grade level of security. We also use recognized and independent security experts to validate the security of the CUofCO Cards App.

CUofCO Cards app works on most popular mobile phones, if your mobile phone has a camera or games installed it should support the CUofCO Cards App. To be compatible your mobile phone must:

  1. Have at least 64kb of free memory.
  2. OS Systems Android 4.0 and above iOS 7.1 and above
  1. Download CUofCO Cards App from the iTunes App Store or Google Play, or by going to cuofco.org from your device and choose the appropriate mobile app.
  2. Follow the Create Account enrollment flow: enter your email address, a self-chosen username and password.
  3. You will receive a verification code via email allowing you to utilize the app.
  4. You may need to go outside of the app to retrieve the email message which contains the code. You may wish to write it down.
  5. Once you receive the code, go back to the app to input it.
  6. Once the verification code is input into the CUofCO Cards App correctly, you may add cards within the App.
  7. Tap Continue.

The verification codes that are sent via email are only valid for 30 minutes. If you are trying to use the code outside the 30 minute window, you must resend the verification code via the App.

If you entered the incorrect email address during enrollment, please go through the Create Account process again using the correct email address.

Yes, you can use up to 10 mobile devices to access your accounts.

  1. You must successfully enroll with the CUofCO Cards App then go into your menu and tap Profile, tap Mobile Number, tap Plus sign next Phone numbers.
  2. Add the Phone Number and tap Save.
  3. Tap Confirm.
  4. Tap Continue.
  5. You will be taken to the main app screen.

If you get an error when you try to use the CUofCO Cards app there may be a problem with your phone settings.

  1. Service Unavailable error (or web service error)-we recommend that you try again later. Occasionally, we need to make changes to the service that requires a temporary halt in service.
  2. Network Unavailable error- we recommend that you try again later as you may likely be out of your network coverage.
  3. System Unavailable error- we recommend that you try again later. Network timeouts can be caused by a number of factors, such as: a. High usage of the wireless traffic carrier b. Poor signal strength c. Certain older phones with a slower version of GPRS (data service)
  1. Tap the Menu Drawer
  2. Tap Settings
  3. Tap Delete Profile
  4. You will receive a message are you sure you want to delete your profile. Tap "Continue".
  5. Once you delete your profile they will no longer have access to the App.
  6. You will need to re-enroll if they want access to the App.

Yes, for security purposes after 3 minutes of inactivity, the session will expire and you will need to log in again.

The application can be downloaded again at any time from the iTunes App Store, Google Play, or by going to cuofco.org and choose the appropriate mobile app.

Upgrades are automatically handled by the app store. If there is a new version out, your app store will show the new version and you can download the latest version through the store.

The Android and iPhone apps will run on their tablet counterparts, however they are not optimized for viewing on those devices.

  1. Confirm the device is set to accept text messages.
  2. If yes, contact your service provider to see if they are blocking text messages for any reason.

You do not. You can use the CUofCO Cards app even if you are not using the online or mobile banking service.

  1. Tap the "+" next to Cards in the main screen.
  2. Add the Card Detail Information. Tap Add card.
  3. You will be taken back to the main app screen.
  4. You can add multiple cards to the app. Each card will be set up with a nickname. By default, your nickname will be the last four digits for your card number. However, you also have the option to establish a custom nickname. Once you create a custom nickname for your account, you must use this nickname to retrieve your card information.
  5. You can scroll between the cards by swiping right to left where the card appears on the app main screen.

Once you have registered and downloaded the application onto your mobile phone you will normally find the service in your applications, games menu, or in an icon that is placed on your screen.

If the application will not load on your phone, check your settings to make sure that your mobile device meets the minimum requirements to run the application or change your device settings allow the downloading of applications. 

  1. You can add multiple cards to the app. Each card will be set up with a nickname. By default, your nickname will be the last four digits for your card number. However, you also have the option to establish a custom nickname. Once you create a custom nickname for your account, you must use this nickname to retrieve your card information.
  2. You can scroll between the cards by swiping right to left where the card appears on the app main screen.

For security reasons we cannot reveal why a card has failed verification. You should check all of the card and related information for your account carefully or contact the Credit Union directly at 1-800-444-4816 if your card has failed verification.

1.    Tap “Forgot?” In the Password section of the Log in screen.
2.    Enter your Username and click Continue.
3.    You will receive a verification email to your primary email address. 
4.    Enter the Verification code provided in the email on the Verify Email Address screen.
5.    Tap Continue.
6.    Enter a new password and confirm password on the Reset Password screen.
7.    Tap Reset Password.
8.    You will be taken back to the Log in Screen.

1.    Tap on Send New Code. 
2.    A system email will be sent to the primary email address. 
3.    Enter the Verification code provided in the email on the Verify Email Address screen.
4.    Tap Continue.
5.    Enter a new password and confirm password on the Reset Password screen.
6.    Tap Reset Password.
7.    You will be taken back to the Log in Screen.

The verification code inside the forgot password email and is only active for 30 minutes. If you try to use it after that time period, you’ll receive an error message. You will need to go through the forgot password process again to request another forgot password email. You can only do this 4 times within 24 hours.

If your account has been locked because of too many password tries, please wait for 60 minutes and try again. If still locked out please contact the App support line (844) 491-2996  

The password must be 7-32 Alphanumeric with at least on numeric value. The password cannot be ascending or descending sequence (123456789, 987654321) and one digit cannot make up over half the password.

1.    Tap “Forgot?” next to the Username on the Log in Screen.
2.    Enter your email or a mobile number.  Tap Submit.  (Note:  If you choose mobile number, it must match the number you entered in the User Profile area of the app.  You will not receive a text message, rather an email to your primary address.) 
3.    A system email will be sent to the primary email address you used to enroll into the CUofCO Cards App.

1.    Report the loss to your mobile network operator who will bar the phone and stop it from functioning. 
2.    As long as your password remains secure, then it will protect you from fraudulent use of the CUofCO Cards app. 
3.    In addition, SMS notifications are a one-way communication to the user and will not contain personally identifiable information. 
4.    In most cases, you will keep your current mobile number when you receive your new mobile device. Once received, you can download the application again and use your existing credentials to access your mobile account.

  1. If you upgrade your mobile device, you will most likely keep your current mobile number with your new device.
  2. You can download the application again and use your existing credentials to access your mobile account.
  3. If possible, delete the application from you old mobile phone before disposal.

No, you can log in to the CUofCO Cards app with your existing credentials. You will need to go the menu, settings, manage phone number and edit the existing phone number with the new phone number.

There are no fees assessed by the Credit Union to use the App. Depending on your mobile plan, you may incur data or SMS fees from your mobile carrier.

CUofCO Cards App offers a wide range of Alerts that help you stay in control of your cards and keep your account safe from overdrafts and suspicious activity. You can configure to receive alerts via text, e-mail, or push alerts* on your mobile device.

*Note: Push Alerts are only available to members that have an Android OS 3.0 or higher, iPhone OS 6.0 and have downloaded the mobile application.

You can manage your alerts, including how you want to receive your alerts on your mobile phone in the Alerts feature in the App. 

  1. Please contact the Credit Union at to report your card if lost or stolen 800-444-4816
  2. You will need to delete the lost card from the service and add the details for the replacement card. If a transaction is performed using your old card number the transaction will be declined. 

Pay In-Store allows members to tap their NFC Android mobile device at any Visa Mobile Payment enabled POS terminal to complete a tokenized transaction. 

Supported Devices:  Android Devices running operating systems 4.4 (KitKat) and above and have HF and Host Card Emulation (HCDE) installed.  This service is not supported on iOS devices.

Manual:  The member signs in to the app, selects the “Pay In-Store” option, and then taps their phone on the terminal to make a payment.

  1. The member signs into the app
  2. Taps on the $ button for the card they would like to use for payment
  3. Tap the pay in-store icon.

The user can tap on the CUofCO Cards logo on the sign-in screen; tap the pay in-store icon next to the card number.  (Tap to pay available for Android only)

In order to activate quick access, the member must set up Quick Access in the app.

  1.  Tap Menu.
  2.  Tap Settings, tap Quick Access,
  3.  Turn on the Quick Access button.
  4.  Tap the box next to enable pay in-store in Quick Access. (Android only)
  5.  Follow the instructions in the App

The member unlocks their phone using fingerprint or other means, and then tap their phone on the POS terminal.  The member does not have to open the app to pay when Always On is set.  (Android only)

The member must turn on Always On in the app

  1. Tap Menu.
  2. Tap Pay-In-store.
  3. Tap Always On.
  4. Follow the screen instructions.      
  1. Tap Menu.
  2. Tap Settings.
  3. Tap User Fingerprint.
  4. Follow the screen instructions.

For the security purposes, the App will ask for additional validation from the member when utilizing the following functions:

  • Add Card / Update card / Delete card
  • Set Up Pay In-Store
  • Settings (manage contacts, change password, change username, change passcode, other settings)
  • Card Details
  • Reactivate Card
  1. Tap the $ button for the card you would like to turn off
  2. Tap Manage Card
  3. Slide the Suspend button over to the right to – ON
  4. You will receive a warning message stating that transactions cannot be done with this card while it is “off,” tap Suspend.
  5. The card will show as suspended in the card carousel
  1. Find the card on the card carousel
  2. Tap on the card to reactivate
  3. You will receive a message in the app that the card has been reactivated. 

Visa Checkout enrollment process will be optimized for the member's device. You will be able to pay without having to re-enter checkout information wherever Visa Checkout is accepted using one service with multiple major payments cards. You may add a card to their enrollment in Visa Checkout. 

You may not have any qualifying cards that can be enrolled into Visa Checkout services. 

You will receive an error message advising that there are no cards supporting Visa Checkout in their CUofCO Cards App. 

The App Tutorial is provided to all users when they first enroll and add a card to the App.  The tutorial will provide all the features that are available in the App.  

You may access the tutorials under the menu, settings, and tutorials.

App Support line at 844-491-2996

Digital Payments (token) 855-477-1139

Credit Union Support 800-444-4816