The Velocity CardLock app is great for ensuring no transactions are being made when you lock the card, but the app itself is frequently down. This means if you have your card regularly locked and need to unlock it to use it, there is a good chance you'll be waiting an indeterminate amount of time to be able to log-in and unlock your card to use it. There is no way of accessing your Velocity CardLock account online if the application is down, so if the app isn't working you basically don't have access to your card(s) which can be a pretty big issue. However, as someone who's Velocity card had been compromised numerous times before using this card lock app, it feels necessary for me to use it to ensure that someone doesn't try to swipe money from my account after using a gas pump. If there were some means of accessing a Velocity CardLock account either through it's own website, or maybe through a section in a Velocity Credit Union member's online banking account, that would make the app's frequent issues easier to deal with. Otherwise, having the servers be down less would be nice, too. Outside of that major issue, the app has been useful for ensuring my card and bank account aren't compromised, overall.
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