Lock'N'Block FAQ's


What is Lock'N'Block®?

Lock'N'Block® is a mobile card lock service that allows you to lock your Raymore Credit Union debit card or block transactions by using the Mobile App, Mobile Web, or MemberDirect® online banking.  Lock‘N'Block® makes it easier and faster for you to protect your accounts, as you will no longer have to call your branch to lock your debit card if it's lost.  If your debit card is stolen, lock it first and then contact us.

When the card is "locked", all transactions are automatically declined, making fraudulent attempts to use the card at either ATMs or POS devices virtually impossible.

How does Lock'N'Block® work?

Lock'N'Block® is integrated into MemberDirect® and our mobile banking app. Once you suspect your card has been lost or stolen, simply log in to your account, click the Lock'N'Block® icon, select your card, and toggle to either ‘lock' or ‘unlock'.


What if I don't use the RCU Mobile App or MemberDirect®?

If you are not signed up for MemberDirect® online banking, please come in and we will gladly get you set up.


If my card is lost or stolen, and I haven't used Lock'N'Block®, am I still covered for fraud losses?

Yes, all Interac debit cards are covered by Interac's Zero Liability policy.


What happens if I find my card that I had locked?

Log in to your account, click the Lock'N'Block® icon, and select your card.  Toggle to select the ‘unlock' feature. 


Is there a fee for using the service?

No, Lock'N'Block® is a complimentary service offered to our members with the free RCU Mobile App and MemberDirect®.


Can I manage debit cards that I hold with other financial institutions in Lock'N'Block®?

No, you can only manage your Raymore Credit union debit cards.


Can I manage my Mastercard's and/or Global Payment Mastercard's in Lock'N'Block®?

No, this feature is designed to manage your Raymore Credit Union debit cards only.