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How to Lock and Unlock Your RBC Credit Card Online and Using the App

Posted on 2019 01 22 by BetCrooks

We have a RBC credit card because we buy gas at Petro-Canada and earn Petro-Points. Well, to be technically correct my husband has the card and I have an “authorized user” card: It has my name on it but the bill gets added to his account. After seeing an ad on TV for locking the card using the RBC mobile app, I decided I should check into how to do that in case I ever misplaced my card or knew it was stolen.

What Does “Locking” a RBC Credit Card Mean?

First, I checked into what RBC means when it says we can Lock a credit card.

You can read the details yourself at
Rbc.com/creditcardlock

At the time of writing this (January 2019) basically when the card is locked

  • no one can charge a new purchase to the card
  • no one can get a cash advance using the card

BUT

  • preauthorized payments and Recurring bill payments set up to charge to the card
  • refunds to the card
  • and payments to the card balance

will go through

You can also use your RBC Rewards points while it’s locked.

The idea is that if you think you have just misplaced your card, you can lock it until you check. Then, if the card is really lost, or has been stolen, you can report it and get a new card. In the meantime, no one is using your card to Tap up hundreds of dollars in purchases.

It seemed like a good idea to learn how to do this for my card.

The Trick about How to Lock and Unlock Your RBC Credit Card

First you need to be able to view your card transactions and so on from the RBC website. You need to register your card and set up a password.
So I went online to do that.

Setting Up Online Banking for a RBC Credit Card

To set up “online banking” for the RBC credit card,

Got to rbc.com

Look for the phrase: New to Online Banking? and click the button: Enrol now

A new window opens. Under the question “Who do you want to enroll today?” click to select Myself.

Click on the Enrol Now button.

Under the question “Do you have an RBC Royal Bank Client card or credit card?” click to select Yes. (Note they said “an” RBC not me!)

In the appropriate fields type in your

  • credit card number
  • postal code

Make sure you put the space in your postal code.

I didn’t and it said “That’s not the answer we were expecting” and made me start typing again.

Click on the Continue button

It won’t work!

I tried a few things then phoned customer support at RBC.

Gosh darn you can’t do it!
You can only get online access if you are the primary account holder!

Can an Authorized User of a RBC Credit Card Lock Their Card Using the Website or App?

No! Unfortunately, an authorized user of a RBC credit card cannot directly lock their card!

Authorized users can only lock the card by

  • asking the primary cardholder to sign in and lock their card. (I’m not actually sure if this locks the authorized user cards also or not!)
  • phoning RBC and asking them to lock it.

Sheesh!

I of course asked the call centre to add my name to the list of people who want the authorized to be able to lock their cards directly using the app!

How Can the Primary Account Holder Lock a RBC Credit Card Online or Using the App?

The primary account holder, only, can lock a RBC credit card online or using the app.
To do so, the account holder will

Sign in to the RBC website from a computer or using the App.

On a computer

Under the heading Credit Cards, click on the card.

There are two horizontal lists of links near the top of the page. In the second bar, which is grey in 2019, click on Profile & Account Settings.

In the box Your debit and credit cards should be listed your credit card with a Unlocked ios type button beside it.

Click on the button to shift it to say Locked.

To unlock it again, if desired, click on the button to shift it to say Unlocked.

On a Phone

Sign in to the RBC app.

Click on the credit card.

Click on the switch button to Lock the card.

Click Yes to confirm you want to lock it.

To unlock it again, if desired, click on the button to shift it to say Unlocked.

Now if they would just make it this easy for our teen to lock their Authorized User card. They are the ones who most need to be able to lock their cards from their phones!

Related Reading

  • [How to Set Up a RBC Credit Card for Online Banking]
  • [How to Set Up Alerts for a RBC Credit Card]
  • How Petro-Canada Customers Can Check Their Credit Rating for Free Using Their RBC Credit Card

Join In
Do you know how to lock your credit card? Has locking it saved you from any fraudulent charges? Please share your experiences with a comment.

Posted in Finances, Money Tips | Tagged App, authorized user, credit, credit card, credit cards, lock, primary account holder, RBCDI, unlock

How to Deposit a Cheque By Taking a Photo Using the EQ Bank App

Posted on 2016 02 23 by BetCrooks

EQ Bank is a true e-Bank. It does not have any ABMs or ATMs as of February 2016. The only ways to deposit money in to your savings account at this time (February 19, 2016) are to mail in a cheque, use the electronic link to “pull” money into your account from your linked chequing account, or to deposit a cheque by taking a photo of the front and back and sending them in. To send in photos, you use the EQ Bank App on your camera-capable device such as an iPad. Here’s how I deposited the money for our next car by taking a photo of a cheque payable to myself using the EQ Bank App.

Note Before You Submit a Cheque to Deposit into Your EQ Savings Account

If you want to link your EQ Bank account to this external bank chequing account, follow the procedures about phoning EQ Bank *FIRST* or they can’t link the cheque. (I’ve written up the procedures in another article.)

If you want to link the accounts, it’s best to have the cheque written before you call EQ Bank as they will need information from the cheque to complete your request.

Taking Photos of a Cheque to Deposit It Into Your EQ Bank Savings Account

  1. Start your device and start the EQ Bank App.
  2. Tap on Deposit Cheque. Even though it looks light grey and unavailable, it will work.
  3. Tap Front to take a photo of the Front of your cheque.
    The corners of a rectangular “frame” will display to use to centre your cheque and there will be three icons on the right side of the screen which are, from top to bottom, to accept a photo, to take a photo, and to re-start.It’s best to take a photo of your cheque against a dark surface and under even light that isn’t casting shadows across part of the cheque.

    Once you’ve centered the image of the front of the cheque, to take a photo tap the central swirl icon.

    For some reason using an iPad my taken photo suddenly appears very squished but still clear.

  4. If you don’t like your photo, tap the dotted swirl at the bottom of the list on the right side to re-start, then tap the swirl icon to take another photo.
  5. Once you have a photo you like, to accept it, tap the check mark icon on the right side of the screen.
  6. This takes you to the Front and Back screen again. If the EQ Bank App likes the image of the front of your cheque, you should get a check mark.
    Tap Back to take a photo of the Back of your cheque.
  7. Flip over your cheque to the back if you haven’t already!
    To take a photo tap the central swirl icon.
  8. To accept it, tap the check mark icon on the right side of the screen.
  9. If the App likes it,  you should get another check mark.
    To submit the cheque, tap on Continue.

The Confirm Your Deposit Details Page

  1. Review the Confirm Your Deposit Details info.
  2. If it looks ok, click on Deposit.

The Deposit Confirmation Page

Read the Deposit Confirmation info. If desired, take a photo or otherwise capture the info.

Note there is no confirmation number given at this time (February 19 2016.)

You can now open the menu and tap Sign Out to leave the App or continue banking.

How Long Did It Take to Deposit a Cheque to an Active Savings Account at EQ Bank?

After my account at EQ Bank was fully open and active, I sent in a cheque to deposit using the EQ Bank App.

  • Saturday February 13 in the evening: sent in the images of the cheque
    The amount showed up immediately in the EQ Bank account.
  • Wednesday February 17: The money actually left my chequing account at the other bank.
  • Tuesday February 23: The money is still on hold at EQ Bank. This is the start of the sixth business day since the deposit (Monday the 15th was a stat holiday in Ontario) so it’s still within the expected time frame of a hold of 5-8 business days.

If I notice when the amount goes “off” hold, I will try to update this post. Since the money is in the account and earning interest daily, I’m not too worried about when the hold will lift.

Related Reading

  • How To Link Your EQ Bank Savings Account to a Second (or Third) Chequing Account at Another Bank
  • How to Open an Account at EQ Bank
  • How to Take a Photo to Deposit a Cheque to Tangerine
  • How to Take a Photo to Deposit a Cheque to PC Financial

Join In
Were you able to deposit a cheque quickly and easily at EQ Bank using their App? Please share your experiences with a comment.

Posted in Finances, Money Tips | Tagged App, cheques, daily interest savings account, EQ Bank, high interest savings account, photo, savings, savings account

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