Digital Wallets
More Ways to Pay
Make purchases directly from your mobile device
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Overview
AFFCU is committed to providing our members with convenient and innovative ways for you to access your money when you need it, which is why we now offer digital wallet functionality for your AFFCU Visa® Debit and Credit Card. A digital wallet allows you to make secure payments at participating retailers right from your mobile device.
Digital Wallet Is:
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Simple to Set Up
- Add your AFFCU Visa Debit and Credit Card to the digital wallet app on your smartphone and smartwatch mobile devices
- Shop with a merchant that accepts digital wallet payments
- Choose the AFFCU Visa Debit or Credit Card at checkout and complete your purchase
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Secure
When you link your AFFCU Visa Debit and Credit Card to your device, a unique and encrypted number is created to authorize purchases without compromising your card number and PIN. This single-use number ensures your card information is never stored or shared during checkout. Fingerprint ID and Facial Recognition security features on your mobile device offer an added layer of protection.
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Easy and Contactless
There’s no need to use a physical card. Pay directly from your Apple, Google or Samsung smartphone, or choose to pay from your Fitbit or Garmin smartwatch.
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Accepted Worldwide
Make purchases from your mobile device at millions of businesses around the world — in-store, online, in-app and at the pump. You can even instantly send and receive money to friends and family, for free.
Ditch Your Wallet for a Digital Wallet
Learn how to add your AFFCU Visa Debit and Credit Card to your device
FREE Interactive Lesson
Building Emergency Savings
Explore how to develop health savings habits so you can feel more confident about your financial well-being.
FREE Interactive Lesson
Credit Scores and Reports
Understanding how credit scores and reports work can help you achieve financial goals such as buying a home, leasing a car, or paying off debt.
FREE Interactive Lesson
Mindful Living
Feeling stressed out? You’re not alone. In our daily lives, we experience many ups and downs. Don’t let stress get the best of you.
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Smartphones
Apple Pay
Making payments with Apple Pay is easy and works with the Apple devices you use every day. Apple Pay is even simpler than using your physical card, and safer too.
Google Pay
Transactions are a snap with Google Pay. You can check out faster and safer with the device that’s already in your hand – no need to dig for your wallet.
Samsung Pay
You can use Samsung Pay to make in-store, in-app and online purchases all from your Samsung device. Load your cards onto your devices and check out with a tap.
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Smartwatches
Fitbit Pay
Access your AFFCU Visa Debit and Credit Card anytime from your wrist without your wallet. Fitbit Pay makes shopping at your favorite places more seamless than ever. You can use it anywhere you see the contactless payment symbol.
Garmin Pay
You’re always on the move and your Garmin device is always with you. Now, Garmin Pay lets you make purchases quickly and almost effortlessly with nothing needed but your watch. No wallet? No phone? No problem.
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Questions
Frequently Asked Questions
- Do purchases made with my Digital Wallet qualify for Cash Rewards?Yes, your Digital Wallet purchases will still earn Cash Rewards when using your AFFCU Debit Card.
- Can the same card be loaded on two different phones?Yes. If you and the other account holder share a card, you each can add the card to your Digital Wallet.
- Do I need to activate my physical card before I add it to my Digital Wallet?Yes. Only cards that have been activated will be successfully added to your mobile device.
- Do I need to update my Digital Wallet when my card is reissued with a new expiration date?Yes, it is important to update your Digital Wallet with any changes made to your AFFCU Card.
- Am I able to opt-out of Digital Wallet at any time?Yes, you can add or remove your AFFCU Card from your device at any time.
- Can I use my Digital Wallet to withdraw money from an AFFCU ATM or ITM?You cannot use your Digital Wallet at an ATM or ITM. Digital Wallet is intended for purchases.
- Is Digital Wallet Free?Yes, there is no charge to use Digital Wallet services; however, depending on your data plan, message and data rates may apply.
- What happens if my AFFCU Card is lost or stolen?Contact us immediately. We will cancel your card. You should remove your card from your Digital Wallet. When you receive a replacement card, you will need to load it back into your Digital Wallet.
- What if my device is lost or stolen?Device manufactures may have tools to help you remotely locate, lock or remove personal information from your device. Your smartphone or smartwatch may also have added security features, such as Fingerprint ID, Facial Recognition and passcodes to prevent fraudulent transactions.
- What if I get a new device?Be sure to do a factory reset on your old device to ensure your personal information isn’t compromised. Then, add your AFFCU Card into your new device’s Digital Wallet.
- How do I know where I can use my Digital Wallet?Digital Wallet is accepted at most places you already shop. Look for the contactless payment symbol at checkout or ask your cashier.
- What if my transaction is declined?If your transaction has been declined, call us so we can review your transactions and account.
- Do I need the AFFCU Mobile App to use my Digital Wallet?No, you don’t need to have the AFFCU Mobile App on your device to use Digital Wallet. However, the AFFCU Mobile App is great tool to help you view transactions, check your balance and deposit funds.
How can we help you succeed?
- What would you like to borrow for?
- A home
- Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
- A vehicle
- Cool! Are you looking for a regular car, or something a little more adventurous?
- Something adventurous
- Awesome! We have low rates and long terms for all kinds of exciting vehicles, including Boats, RVs, and Motorcycles.
- A regular car is fine with me
- Sounds good! We have low rates available for both new and used
Auto Loans. We can also Refinance your current loan with another institution.
- Sounds good! We have low rates available for both new and used
- Something adventurous
- Cool! Are you looking for a regular car, or something a little more adventurous?
- An education
- Right on! We have Student Loans available through our trusted partner, Sallie Mae.
- Something else
- Sounds good! Are you more interested in a lump sum or a line of credit?
- Lump sum
- Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
- Line of credit
- Great! We think you’ll love our Redi-Credit option. It’s a flexible line of credit, where you’ll only pay interest on what you spend.
- Lump sum
- Sounds good! Are you more interested in a lump sum or a line of credit?
- I’m mostly interested in a credit card
- Sounds good! Be sure to check out our Platinum Credit Card. It’s one of the best deals around, and includes plentiful rewards.
- A home
- What would you like help with?
- Accessing my accounts
- Okay, how would you like to access your accounts?
- Online
- Ok! Is this is your first time using Online Banking?
- Yes
- Sounds good. You can enroll in Online Banking right here. You’ll need your social security number and AFFCU member number.
- No
- Great. To access your account, simply click “Login” in the upper right hand corner of the page.
- Yes
- Ok! Is this is your first time using Online Banking?
- On my mobile device
- Great! First make sure you’re enrolled in online banking. Then, download our free app for iPhone or Android.
- Online
- Okay, how would you like to access your accounts?
- Opening a checking account
- Great! We have several options available, so head over to our Compare Checking Accounts page to figure out which is right for you.
- Signing up for eStatements
- Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab (in the blue menu bar) to start enrolling.
- Running my small business
- Good for you! Our partner Newtek offers a variety of services to help you manage your small business, including payrolls services, payment processing, and web design.
- Getting insurance
- Perfect, we offer discounts on auto, home and life insurance through our partner, Trustage.
- Accessing my accounts
- What would you like to save for?
- The holidays
- Nice! We think you’ll love our Christmas Club account.
- I’d like to open a savings account for my child
- Great idea! We have several Youth Savings accounts available, depending on your child’s age.
- Something else – and I’d like to earn a good interest rate
- Do you have some money saved up already?
- Yes, quite a bit
- Nice! Are you okay with leaving your money untouched for a while?
- Sure
- Great! We think you might like one of our Share Certificates. You agree to leave your money untouched for a while in exchange for a higher interest rate.
- I’d prefer to make withdrawals when I need to.
- Sounds good. Check out our Elite Checking account or Money Market account. These accounts are a little more flexible, but still get you a higher rate.
- Sure
- Nice! Are you okay with leaving your money untouched for a while?
- Not much
- No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
- Yes, quite a bit
- Do you have some money saved up already?
- I’d prefer just a basic savings account
- Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.
- The holidays