Family Card Functionality Frequently Asked Questions

  1. What is family card functionality?
  2. What are the features of family card functionality?
  3. Which City National credit cards have family card functionality?
  4. Are there any fees associated with family card functionality?
  5. With family card functionality, how many authorized users can I have on my credit card account?
  6. How can I add authorized users to my credit card account?
  7. What happens if a card is lost, stolen or compromised?
  8. The functionality is called "family card." Does that mean that the functionality is only available to the Primary Account Holder's* family members that have cards under the account. Or, can non-family member cardholders benefit as well?

Online Functionality

  1. As the Primary Account Holder*, how do I manage the cards issued to authorized users under my account?
  2. How do I get started using family card functionality on my account? Is there a guide for utilizing this functionality on City National Online®?
  3. Can authorized users make payments to their cards using City National Online?
  4. Is there a minimum or maximum spending limit that a Primary Account Holder* can give to an authorized user?
  5. I only have one authorized user on my credit card account and do not want to manage the spending limit on his/her card. Do I need to do anything?

What is family card functionality?
Family card functionality makes it easier for clients with multiple cards and cardholders to manage their Visa® personal credit card accounts. Through our City National Online service, the Primary* and Joint Account Holder on an account can establish and manage spending limits and usage for each authorized user on the account. As a result of this functionality, each card issued under an account is assigned a unique number. This has the benefit that if a card is lost, stolen, or compromised, only that card needs to be replaced (as opposed to all cards under the account).

What are the features of family card functionality?
Family card functionality offers the following features to the Primary and Joint Account Holder:

  • Set and adjust spending limits for all authorized users.
  • View transaction activity by cardholder and access your monthly statement. 
  • Establish and manage card alerts for one or more individual cards.

Which City National credit cards have family card functionality?
All City National Visa personal credit cards come with family card functionality, which can be managed through City National Online.

Are there any fees associated with family card functionality?
There are no additional fees or costs to you. The same rates and fees for your current City National Bank personal credit card apply.

With family card functionality, how many authorized users can I have on my credit card account?
You can have a maximum of three (3) authorized users on your account.

How can I add authorized users to my credit card account?
You can include your authorized users on your application when you apply for a City National personal credit card. If you already have a City National personal credit card account, you can add additional users by calling us at the telephone number listed on the back of your card, or contact your Relationship Manager.

What happens if a card is lost, stolen or compromised?
As each cardholder has a unique card number, if a card is lost, stolen or compromised, only that card needs to be replaced. The replaced card will have a new number. All other cards are unaffected and do not need to be replaced. Please be sure to report any lost or stolen card immediately by calling (877) 529-0473.

The functionality is called "family card." Does that mean that the functionality is only available to the Primary Account Holder's* family members that have cards under the account. Or, can non-family member cardholders benefit as well?
With family card functionality, the Primary and Joint Account Holder have the ability to set individual spending limits for any authorized users on the account, whether the authorized user is a son, daughter, housekeeper, or other individual.

Online Functionality

As the Primary Account Holder*, how do I manage the cards issued to authorized users under my account?
Through our City National Online service, you can monitor and manage the cards issued to authorized users.

How do I get started using family card functionality on my account?
Family card functionality automatically comes with your City National personal credit card. When you log in to City National Online, you will be able to see information for all cards on your account.

Can authorized users make payments to their cards using City National Online?
Authorized users can only make one-time scheduled payments to their individual cards via City National Online. 

Is there a minimum or maximum spending limit that a Primary or Joint Account Holder can give to an authorized user?
There is no minimum spending limit that a Primary or Joint Account Holder can give to an authorized user. The maximum spending limit is the amount of the Credit Limit or Credit Access Line, as applicable, assigned to the credit card account by City National.

I only have one authorized user on my credit card account and do not want to manage the spending limit on his/her card. Do I need to do anything?
No. If you do not wish to manage or set any spending limit on any authorized users' cards, you do not need to do anything. By default, the family card functionality assigns to all cards the Credit Limit or Credit Access Line, as applicable, assigned by City National to the account. The only difference with the family card functionality is that now each card issued to a cardholder under an account will have a unique number, thereby allowing the Primary Account Holder, at his/her discretion, to set spending limits and take advantage of the other benefits afforded by the functionality.

*If the personal credit card account has multiple account holders (excluding authorized users), the Primary Account Holder is the individual first named in the name and address section on the billing statement.