What is a mobile wallet and how does it keep transactions safe?

A mobile wallet is a digital version of the physical wallet you carry around. When you add your Consumers debit or credit card to a mobile wallet app, it is assigned a randomly generated 16-digit number, which your phone or smartwatch sends to authorize payment.

Available mobile wallets

Your Consumers debit and credit card can be added to Apple Pay™, Google Pay™ and Garmin Pay™. Please follow your manufacturer’s instructions.

Additionally, within 2-3 days of getting a new or replacement credit card, your card will appear digitally in Online Banking. You can quickly add your card to Apple Pay or Google Pay (depending on your phone type) by simply clicking the “Add to” wallet button on the “Card Services” tab within Online Banking when you click on your card name.

How do I use my mobile wallet?

Once you’ve added your Consumers debit or credit card to your mobile wallet, you simply hold your smartphone, smartwatch, or other mobile device near a terminal that shows the “contactless” symbol (four curved lines expanding to the right). A passcode or other authentication may be required. Simply enter it and your transaction will be complete.

Is a mobile wallet safe?

Extremely. More secure than using a physical card, a mobile wallet assigns a unique 16-digit number (or token) to your card. No one sees this number, including the store where you’re making the purchase, making for a seamless, completely anonymous transaction that hackers can’t touch!

What if I lose my phone or smartwatch?

If you take precautions beforehand, your information should not be compromised, so protect your device by:

• Setting up password or fingerprint protection on your device.
• Using an app that allows you to remotely lock or erase your device’s data.
• Deleting your personal information before you sell or recycle your device.

Can a mobile wallet store more than just my card information?

Yes! It can also securely store loyalty cards, gift cards and digital concert or travel tickets.

Why use a mobile wallet?

It can make transactions quicker, it’s easier than fumbling for your physical wallet (or realizing that you forgot it!) and it’s more secure than a physical card. So the question really is: why not?