# UCU IN CHARGE

> Card management and transaction alert app for enhanced security. (iPhone/iPad app by United Credit Union, MO.)

- Source: https://appshunter.io/ios/app/ucu-in-charge/id1531324497 (this page in markdown: same URL + `.md`)
- Developer: [United Credit Union, MO](https://appshunter.io/developer/1403921272)
- Category: Finance
- Price: Free
- Rating: 4.38/5 from 8 App Store ratings
- Age rating: 4+
- Requires: iOS 10.3 · 117 MB
- Languages: English
- Released: 2020-11-16
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/ucu-in-charge/id1531324497/reviews.md

## What is UCU IN CHARGE?

UCU IN CHARGE helps protect your debit and credit cards by sending transaction alerts and giving you the ability to define when, where, and how your cards are used. Simply download the app to your smartphone, then customize your alert preferences and usage settings to monitor and manage your cards.
Alerts Ensure Safe, Secure Card Usage
Alerts for PIN and Signature transactions can be set up to keep you informed of your debit and credit card usage and help you quickly detect unauthorized or fraudulent activity. The app can send an alert when a card is used or when a transaction has been attempted but is declined – and additional customizable alert options are available. Alerts are immediately presented after a transaction has taken place.
Location Based Alerts and Controls
The My location control can restrict transactions to merchants located within a certain range of your locations using your phone’s GPS, transactions requested outside the specific range can be declined. The My Region control uses city, state, country, or zip code on an expandable interactive map, transactions requested by the merchants outside of a specific region can be declined.
Usage Alerts and Controls
Spending limits can be established to allow transactions up to a certain dollar value and decline transactions when amounts exceed your defined thresholds. Transaction can be monitored and managed for specific merchant categories such as gas stations, department stores, restaurants, entertainment, travel, and groceries. And your transaction can also be monitored for specific transaction types in store purchases, e-commerce transactions, mail/phone orders and ATM transactions
Card on/off Setting
When the card is “on” transactions are allowed in accordance with your usage settings. When the card is “off” no purchase or withdrawals are approved until the card is subsequently turned back to “on”. This control can be used to disable a lost or stolen card to prevent fraudulent activity.

## Key features

- Transaction alerts
- Location-based controls
- Spending limits
- Merchant category monitoring
- Card on/off setting


## Frequently asked questions about UCU IN CHARGE

### How does UCU IN CHARGE protect my cards?

UCU IN CHARGE protects your cards by sending real-time transaction alerts and allowing you to set custom usage rules. You can define when, where, and how your cards are used, and even turn them on or off instantly.

### Can UCU IN CHARGE alert me about specific transaction types?

Yes, you can set up alerts for PIN and signature transactions, attempted but declined transactions, and more. The app provides immediate alerts after a transaction occurs.

### Does UCU IN CHARGE offer location-based security features?

Yes, UCU IN CHARGE includes 'My location' control, which restricts transactions to merchants near your phone's GPS. It also has 'My Region' control to limit transactions to specific cities, states, countries, or zip codes.

### How can I set spending limits with UCU IN CHARGE?

You can establish spending limits to allow transactions up to a certain dollar value. Transactions exceeding your defined thresholds will be declined, helping you manage your budget.

### What merchant categories can I monitor with UCU IN CHARGE?

You can monitor transactions for specific merchant categories including gas stations, department stores, restaurants, entertainment, travel, and groceries.

### What happens if I lose my card with UCU IN CHARGE?

If you lose your card, you can use the 'Card on/off' setting to immediately turn your card 'off'. This prevents any further purchase or withdrawal approvals until you turn it back 'on'.

### Is UCU IN CHARGE available on all devices?

UCU IN CHARGE is available for iPhone and iPod devices. The app was last updated on February 4, 2021.

### What is the user sentiment for UCU IN CHARGE?

Users generally find UCU IN CHARGE helpful for card management and security. The app holds a strong rating of 4.4 stars from 8 ratings.

## Version history (last 1 release)

### 3.9.4 — 2021-02-04

We are continually releasing new updates to further improve the user experience. Please be sure to turn on automatic updates to get the most out of your app experience. 
 
In the latest release we’ve:
•	Updated the Add Card user experience
•	Addressed other minor code bugs

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## More apps by United Credit Union, MO

- [United CU Mobile](https://appshunter.io/ios/app/united-cu-mobile/id929439640)
- [UCU Mobile](https://appshunter.io/ios/app/ucu-mobile/id1661835820)

All apps by United Credit Union, MO: https://appshunter.io/developer/1403921272

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*