Digital Wallet
Using your Fire Police City County FCU Debit and Credit Cards, you can streamline online purchases and mobile payment solutions at more than 1 million stores across the U.S.
What is Google Pay?
Google Pay is a way to pay with your smartphone, offering simplicity, security, and choice. Simply unlock your phone, place it near a contactless terminal, and your payment is complete.
With Google Pay, you can pay with your Android phone in stores where you see contactless terminals with either of these logos:
How to Use Google Pay:
You don’t have to open the Google Pay app to make a purchase with your NFC phone. Just follow these steps:
- Wake up and unlock your phone
- Hold the back of your phone against the contactless payment terminal
- If prompted, choose “Credit” regardless of your type of card. The merchant might request a signature
- Your purchase is complete!
Getting Started
To get Google Pay, you’ll need to check that you have an Android phone running Kit Kat (4.4) or higher.
- Find the Google Pay app on your device. If you do not have the app, simply download it from Google Play.
- Open the Google Pay app and follow the setup instructions. You may need to set up a PIN, pattern, password, or fingerprint screen lock.
- At the bottom right, tap +.
- Tap Add a credit or debit card.
- Use the camera to capture your card info or enter it manually.
- Verify your card information.
How Does It Work?
When you shop at a merchant, Google Pay doesn’t send your actual credit or debit card number with your payment. Instead Google Pay uses a virtual account number to represent your account information — so your card details stay safe. As soon as you make a purchase, you’ll see a payment confirmation that shows you exactly where a given transaction happened, along with the merchant’s name and number. So it’s easy to catch any suspicious activity.
Google Pay FAQs:
Will the Credit Union charge me to use Google Pay?
No! Message and data rates may apply – check with your wireless provider.
Am I able to opt out of Google Pay at any time?
You can add and remove cards whenever you like.
Are my payments safe with Google Pay?
Your payment information is encrypted and stored on secure servers. Each payment card you add gets a virtual account number that merchants see when you buy. Your payment information isn’t shared with merchants.
Which Fire Police City County cards can I use with Google Pay?
You can use all Fire Police City County debit and credit cards with Google Pay.
How do I change my default card to my Fire Police City County card?
The first card you add to Google Pay is set as your default card. To change your default card:
- Open the Google Pay App
- Tap the card you want to make your default card.
- Select set as default card
What is Apple Pay?
Apple Pay is a way to pay with your iPhone, Apple Watch, iPad, or Mac. You can make payments in stores, within apps, or online with just a touch.
You can use Apple Pay anywhere you see these logos:
How to Use Apple Pay:
In Stores
Hold your iPhone near the reader with your finger on Touch ID or double-click the side button on your Apple Watch, then hold it near the reader. Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.
Within Apps
If you’re in an app on your iPhone, iPad, or Apple Watch, and you see the Apple Pay logo, just place your finger on Touch ID to check out.
Online
Now the convenience of using Apple Pay in stores and within apps is available on the web in Safari. Whether you’re shopping or donating on your iPhone, iPad, or Mac, use Apple Pay without having to create an account or log in. Touch ID is also available on the MacBook Pro, so paying happens with just a touch and is quicker, easier, and more secure than ever before.
Here’s what you need to use Apple Pay:
- You’ll need your eligible device
- Your Fire Police City County FCU debit or credit card
- The latest version of iOS, watchOS, or macOS
- An Apple ID signed in to iCloud
- Add your card to your device
How Does It Work?
When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. Your card number is never stored on your device or Apple’s servers, and when you pay, your card numbers are never shared by Apple with merchants.
Apple Pay FAQs:
Is Apple Pay safe?
When you pay in stores, neither Apple nor your device sends your actual credit or debit card numbers to merchants. When you pay within apps and websites in Safari, the merchant will only receive information like name, email address, billing and shipping addresses that you authorize to share to fulfill your order.
How do I know where my Device Account Number is located?
In your iPhone, go to Wallet app, and select your payment card. Tap on the ‘I’ info icon in the lower right side of the screen. Scroll down to Card Information. The last 4 digits of your Device Account Number are displayed there.
To find Device Account Number for your Apple Watch, go to the Watch app on your iPhone. Go to My Watch, Wallet & Apple Pay, and tap on your card. The last 4 digits of your Device Account number are listed under the ‘Card Information’ heading.
What should you do if your device is stolen or lost?
If your iPhone is ever lost or stolen, you have the option of using your “Find My Phone” through the iCloud app to suspend or permanently remove the ability to pay from your device. Call the Credit Union to suspend your cards.
Am I able to opt out of Apple Pay at any time?
You can add or remove cards whenever you choose.
Where can I get more information on Apple Pay?
More information is available at apple.com.
What is Samsung Pay?
Samsung Pay uses proprietary technology that works with both Magnetic Secure Transmission (MST) and Near-Field Communication (NFC) to make contactless mobile payments. MST and NFC enable you to make secure transactions at virtually every card reader where you can swipe or tap your card.
How to Use Samsung Pay:
In Stores
Samsung Pay is accepted virtually anywhere you can swipe or tap your card. It makes transactions super easy — swipe up to launch the app. Secure with your fingerprint. Hover your device over the card reader to pay. Once it beeps, your transaction is complete.
In Apps
Rather than entering your credit card number, just select Samsung Pay at checkout and authenticate the purchase with your fingerprint.
Getting Started
- You’ll need your eligible device
- Your Fire Police City County FCU debit or credit card
- On your device, navigate to Apps » Samsung Pay
- Navigate to ADD » Add a credit card or debit card
- Align your payment card inside the frame
- Enter any remaining required information. Then, touch NEXT
- Review the Terms of Service. Then, touch AGREE TO ALL
- To authenticate your identity, touch the verification method
- To complete the process, touch DONE
How Does It Work?
To protect your information, Samsung Pay uses tokenization and fingerprint authorization. Tokenization generates a unique sequence of numbers (instead of transmitting your account information) every time you make a purchase. The token is encrypted and eliminates the need for merchants to store your card data on their networks.
Samsung Pay FAQs:
How can I track purchases I've made with Samsung Pay?
Most transactions made through Samsung Pay are viewable shortly after processing, for one month from the time of purchase. Simply open the app and tap on a card to see all the Samsung Pay transactions made with that card. Additionally, a notification with your transaction details will be sent to your device after each Samsung Pay purchase. Note: notifications require an active internet connection.
How do I return a purchase if I used Samsung Pay to make the payment?
Returns made through Samsung Pay are handled the same way as with your physical card—according to the store’s policies. If you return an item paid for through Samsung Pay, the store may require you to hover your device over either the card reader or the NFC reader to complete the return.
Will I receive a receipt after making a purchase with Samsung Pay?
When paying with Samsung Pay, you’ll receive and sign a receipt for your purchases, just as you would with a physical card. You won’t receive a separate physical or digital receipt from Samsung Pay.
How do I get Samsung Pay?
For Galaxy S6, S6 edge, S6 edge+ and Note 5, Samsung Pay will be automatically installed through a software update. Going forward, compatible devices in supported countries will have Samsung Pay preloaded when purchased.
Where can I use Samsung Pay?
Samsung Pay works almost anywhere you can swipe or tap your card. From the grocery store to the coffee shop to your favorite clothing stores, Samsung Pay is the only mobile payment service that works at the majority of U.S. retail locations. In situations where you have to dip your card or in places where you don’t swipe your card yourself (e.g. sit-down restaurants, hotels, auto shops.), it’s better to use your actual card. Samsung Pay doesn’t currently work at gas station pumps with dip readers, but it will work at most gas station cashier card readers.
Which Fire Police City County cards can I add to Samsung Pay?
You can use all Fire Police City County debit and credit cards with Samsung Pay except our HSA debit card.
How to Use Visa Checkout for your online payment:
- Set up a Visa Checkout Account and enroll your Fire Police City County FCU credit or debit card. Simply create a username and password, enter your payment and shipping information just once.
- When it’s time to buy, click the Visa Checkout button. Enter the same username and password and speed through checkout.
3. Confirm your purchase.
Terms for Adding Your Fire Police City County Federal Credit Union Card to a Digital Wallet
Digital Wallet Terms and Conditions
These Terms and Conditions (the “Terms”) apply when you choose to add a Fire Police City County FCU credit card or debit card (“Fire Police City County FCU Card”) to a Digital Wallet Service. In these Terms, “you”, “your”, “their”, and “my” refer to the cardholder of the Fire Police City County FCU Card, and “we,” “us,” “our,” and “Fire Police City County FCU” refer to the issuer of your Fire Police City County FCU Card. By selecting the check box entitled “I have read, and I understand and agree to the Fire Police City County FCU Digital Wallet Service Terms and Conditions,” you agree to all terms, conditions, and notices contained or referenced in these Terms and you are providing your express consent
What is a Digital Wallet Service?
A Digital Wallet Service (“Wallet”) allows you to add your Fire Police City County FCU Cards to an application using your Mobile Device. Your Fire Police City County FCU Card number is replaced with a digital number or token. Once added, you understand that you may use your Mobile Device to make payments only where the Wallet is accepted. Fire Police City County FCU is not a provider of the Wallet and we are not responsible for any failure or inability to perform a transaction using the Wallet. We are only responsible for supplying information securely to the Wallet provider to allow usage of the Fire Police City County FCU Card in the Wallet.
Eligibility
Active Fire Police City County FCU Card accounts that are in good standing are eligible to be added to a Wallet. If your Fire Police City County FCU Card or any underlying Fire Police City County FCU account becomes delinquent, is in a negative status or is otherwise maintained in an unsafe manner as determined by Fire Police City County FCU in its sole discretion, your Fire Police City County FCU Card may be removed by Fire Police City County FCU from the Wallet for continued use.
Relationship to Other Agreements
You agree that when you add your Fire Police City County FCU Card to a Wallet service, your Fire Police City County FCU Card and account will remain subject to the terms and conditions of all existing agreements with Fire Police City County FCU. You acknowledge that certain message and data rates may apply from your wireless service providers and/or wireless carriers which might impact your use of the Wallet. For example, your mobile service carrier or provider may impose data usage or text charges for your use of or interaction with the Wallet, including downloading the software, receiving or sending text messages, or other use of your mobile device when using the software or other products and services provided by the Wallet. You expressly agree that you are responsible for all such fees, limitations, and restrictions and that we may contact you via your mobile device for any purpose concerning your accounts at Fire Police City County FCU, including account servicing and collection purposes.
Account Ownership/Accurate Information
You represent that you are the legal owner of the account and other financial information which may be accessed via the Wallet. You represent and agree that all information you provide in connection with the Wallet is accurate, current, and complete, and that you have the right to provide such information to us for the purpose of operating the Wallet. You agree not to misrepresent your identity or your account information.
Measures to Maintain Your Privacy and Security
Once you have added your Fire Police City County FCU Card to a Wallet service, Fire Police City County FCU is responsible for securely transmitting your information to your Wallet service provider. Your information is only sent through secure channels. You agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your Fire Police City County FCU Card transactions, and to improve our ability to offer these services. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider. You agree not to leave your Mobile Device unattended while logged into the Wallet and to log off immediately at the completion of each access by you. You agree not to provide your password or other access information to any other person. If you believe that someone may have unauthorized access to your Mobile Device, you agree to immediately cancel your access to the Wallet associated with the Mobile Device. You agree to provide us with immediate notice in the event you suspect fraud or any unauthorized access to any of your accounts. You agree to comply with all applicable laws, rules and regulations in connection with your Fire Police City County FCU Card.
You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Wallet.
We may in some cases make individually identifying information available only in the following circumstances: where ordered by a court or other legal body or where it is lawfully permitted or required; where we have agreed to provide information under contracts to vendors and partners to make products and services available to our members; or where the member has requested or consents to the disclosure of information. In those cases where we disclose information to outside vendors, we require that they use it for no purposes other than providing previously specified services to our members.
Changes in these Terms and Conditions
Except as otherwise required by law, Fire Police City County FCU may in its sole discretion change these terms, and modify or cancel the eligibility to use your Fire Police City County FCU Card with a Wallet service at any time, without notice. You cannot change these terms but you can terminate them by removing your Fire Police City County FCU Card(s) from the Wallet. Fire Police City County FCU reserves the right to refuse any transaction for any reason.
Exclusion of Warranties; Limitation of Liability; Indemnification
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF A DIGITAL WALLET SERVICE IS AT YOUR SOLE RISK. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WALLET IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND FIRE POLICE CITY COUNTY FCU IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. FIRE POLICE CITY COUNTY FCU MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OR DATA THAT YOU OBTAIN THROUGH THE USE OF A WALLET.