Mobile Wallet

Mobile Wallet...the Easy Way to Pay!

Paying for your purchases has never been easier now that you can add your Legence Bank debit and credit cards to your device's mobile wallet.* It's fast, it's easy, and it's secure! Once enrolled, pay using your phone at participating area restaurants, retailers, convenience stores, and online.

To use your mobile wallet, simply look for the Contactless Symbol, open your mobile wallet, and hold your device above the payment terminal, Tap to Pay and complete your purchase.

Contactless Symbol Image

Contactless Symbol

Our mobile wallet securely stores your cards on an eligible mobile device, like a smartphone or smartwatch, adding an extra layer of security. With features like biometric authentication and encryption, your financial information is safeguarded at every step. Enjoy quick, easy, and secure access to your funds—wherever you go—with the confidence that your transactions are always protected.

How to Add Your Debit Card to Mobile Wallet

Adding your debit card to your Mobile Wallet is simple and quick. Follow these easy steps:

1. Open Your Mobile Wallet App:

- Locate and open the Mobile Wallet app on your mobile device. This could be Apple Pay, Google Pay, Samsung Pay, or another digital wallet service.

Mobile Wallet Icons

2. Add a New Card:

- In the app, look for the option to "Add Card" or "Add Debit/Credit Card." Tap this option to begin the process.

3. Scan Your Card or Enter Details Manually:

- You’ll be prompted to either scan your debit card using your device’s camera or manually enter the card details, including the card number, expiration date, and CVV (security code).

4. Verify Your Information:

- After entering your card information, review it to ensure everything is correct. The app may then ask you to agree to the terms and conditions.

5. Complete Verification:

- For added security, additional verification is required. This could be a text message, email, or phone call with a verification code. Enter the code when prompted.

6. Card Added Successfully:

- Once verified, your debit card will be added to the Mobile Wallet. You’re now ready to start making secure and easy payments with your mobile device.

7. Set as Default Payment Method (Optional):

- If desired, you can set this card as your default payment method within the app for faster transactions.

Now your debit card is securely stored in your Mobile Wallet, allowing you to make payments with just a tap of your phone.

Customer FAQs

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Which six mobile wallets are compatible with Legence Bank debit cards?

As of January 21, 2020, there are 6 mobile wallets which work with our debit cards: Apple Pay, Samsung Pay, Google Pay, LG Pay, Fitbit Pay and Garmin Pay. We do have a few device considerations to ensure it will best work for you: the device should be compatible, your device’s operating system should be up to date, and you must have a lock on your device to enable their mobile wallet. Please note that both personal and business debit cards may be added to the mobile wallet of your choice.

Note that some devices have more than one mobile wallet as an option (for example a Samsung Galaxy phone may use Samsung Pay and/or Google Pay). Each mobile wallet will work on numerous device types within that brand – so Apple Pay works on compatible iPhones, iPads, Mac computers, AND Apple Watches, and each of those devices need their own unique token activated if they wish.

What are the two major benefits of mobile wallet?

The transmission of that purchase is secure, and so is the merchant’s database that retains that dynamic token rather than your static card information.
The transaction is much faster than an EMV Chip card transaction in stores. It may also speed up and simplify online and in-app purchases, pre-filling known information on your behalf like shipping and billing info.

How exactly do you use a mobile wallet in a store?

This process varies from device to device. It will also continue to evolve as new technology is implemented. It is also dependent on your device security settings – meaning do you use Touch ID? FaceID? IRIS? PIN? There are great online resources out there which explain each task on each specific device. The great news is that it is a VERY simple process which generally takes less than 5 seconds.

Should they still carry their physical debit card?

We highly recommend that you do still carry your physical debit card on you, as not all merchants accept mobile wallets yet. However, if a given store DOES accept mobile wallets, you may simply make your purchase with your phone or wearable, and you won’t even have to pull your physical card out for that purchase.

What if your debit card currently added in your mobile wallet is affected? Will the mobile wallet still work?

No, your debit card must be activated, open, and added/authenticated in the mobile wallet for a transaction to take place.

What if you received a card reissue and it has a new expiration date?

You should go into your mobile wallet and update the expiration date.

What if you received a brand new card because of card compromise, a breach, etc.?

You will need to activate the new card, then go into their wallet and add the new card and fully authenticate it. You should also delete the old card, as it will no longer work.

Some stores say they accept mobile wallets, but it just won’t work there. Why?

Just like we have processes on our end to launch mobile wallets, merchants have tasks on their end as well to accept mobile wallets. Merchants must regularly update their software to acknowledge new tokens as they are created. You may occasionally find that some merchants don’t accept our mobile wallets yet, but I’m sure they soon will. They just need to update their software on their end. One notable example of this is McDonald’s. Though it does not work there quite yet, please keep trying because they will do their part and it will simply begin working, region by region.

Why do some stores still ask for my card PIN on the card terminal after I authenticate through my mobile wallet?

This is a decision the merchant has made in how they process the mobile wallet transactions. Legence Bank didn’t define which stores do that and when – the store did. Sometimes they require it based on the amount of your purchase, and some require it for all mobile wallet transactions at that store. Even with this extra step, the transaction can still be approved in well under 10 seconds.

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