Abstract: Embodiments of the invention provide a method for securing accounts and financial instruments. A user can use a device in communication with the system to enable or disable access to an accounts. The user can disable access to the account to prevent unauthorized account access, including viewing account information or transaction processing. If access to the account is disabled, the substantially all access to the account can be prevented even if the request to access is accompanied by correct account information or correct payment instructions. For example, if access to the account is disabled, the account can be substantially useless until the user enables access to the account.