Digital Wallets

You can use your Freedom Financial Bank debit cards with Digital Wallets including Apple Pay, Google Pay, Fitbit Pay & Garmin Pay.  If your questions are not answered below, please contact us at 515-223-1113 or email us at [email protected].

What is Digital Wallet?

A digital wallet is a form of wireless payment technology provided by your mobile device’s provider. It allows you to store your Freedom Financial Bank debit card information in a digital, secure and convenient manner right on your mobile device. Instead of using your physical debit card to make payments, you can pay using your smartphone or smart watch. A digital wallet provides you with increased convenience and security while accessing your checking account funds through your debit card. Other payment cards can also be stored in your mobile wallet.

What Do I Need to Set Up and Use My Digital Wallet? 

  • A compatible, Apple, Android, or Samsung device with internet access.
  • Your Freedom Financial Bank debit card

Are There Fees to Set Up or Use Digital Wallet on My Device?

There are no fees to set up or use your debit card in Mobile Wallet.

Is My Card Secure in Digital Wallet?

Absolutely! Your actual card number is never shared. Instead, a virtual account number is used so the card details are always kept safe. Also, if your device has been turned off, lost or otherwise inactive for the last 90 days, then cards will be deleted.

Which App Do I Choose?

  • Apple Pay can be downloaded on most iPhones.
  • Google Pay can be downloaded on most Android devices – including Samsung. Google Pay can also be downloaded on iPhones, but it will likely have limited functionality.
  • Samsung Pay is available only on Samsung devices.
  • Fitbit Pay is available only on select Fitbit devices
  • Garmin Pay is available only on Garmin devices

How Do I Get Set Up?

Apple Pay

  • Open the Wallet app
  • Click the + sign
  • Click continue
  • Select the card type
  • Scan your card or manually enter your information
  • Agree to the terms and conditions
  • A verification code will be sent to the phone number on file or you can call the phone number provided for identity verification.

Google Pay

  • Open the Google Play Store
  • Download the Google Pay App (It’s free!)
  • Open the app and select your preferred language
  • Under Payment, select Add Payment Method
  • Choose Debit Card or Credit Card
  • Scan your card or manually enter your information
  • Agree to the terms and conditions
  • A verification code will be sent to the phone number on file or you can call the phone number provided for identity verification.

Samsung Pay

  • Open the Google Play Store
  • Download the Samsung Pay App (It’s free!)
  • Open the app
  • Under Payment, select Add Payment Method
  • Register a Samsung Pay PIN for payment authentication and app protection
  • Choose Debit Card  or Credit Card
  • Scan your card or manually enter your information
  • Agree to the terms and conditions
  • A verification code will be sent to the phone number on file or you can call the phone number provided for identity verification.

FitBit Pay

  • With your device nearby, tap the Today tab and tap your profile picture.
  • Tap your device image, then tap the Wallet tile.
  • Follow the on-screen instructions to add a payment card. In some cases, your bank may require additional verification. If you’re setting up Fitbit Pay for the first time, you may be prompted to set a 4-digit PIN code for your device. Note that you also need passcode protection enabled for your phone.
  • After you add a card, follow the on-screen instructions to turn on notifications for your phone (if you haven’t already done so) to complete the setup.

You can add up to 6 cards to the Wallet (5 cards for Charge 3, Charge 4, and Charge 5), and choose which card to set as the default payment option on your device.

Garmin Pay:

  • From the Garmin Connect™ Mobile app, select; or select Garmin Devices and select your device
  • Select Garmin Pay > Create Your Wallet.
  • Set up a 4-digit PIN to secure your wallet. This will also be the passcode you will need to access your cards on the watch.
  • Select a card type.
  • Manually enter your card data including card number, expiration date, and security code. Scanning your card is also an option.
  • Wait for a text message containing your verification code and enter the code. In some cases, you may need to call your bank’s customer service line to complete the process. After verification, wait for an alert on your Garmin watch indicating that Garmin Pay is active.

How Do I Pay Using Digital Wallet? 

Apple Pay

Pay with iPhone with Face ID

  • Double click the side button
  • Glance at your iPhone to authenticate with Face ID or enter your passcode
  • Hold the top of your iPhone near the payment terminal until you see “Done” and a checkmark on the display
  • Some vendors may also ask for your debit card PIN

Pay with iPhone with Touch ID

  • Rest your finger on Touch ID
  • Hold the top of your iPhone near the payment terminal until you see “Done” and a checkmark on the display

Pay with Apple Watch

  • Double click the side button
  • Hold the display of your Apple Watch near the payment terminal
  • Wait until you feel a gentle tap

Pay for Apps or within Apps

  • Tap the Apple Pay button or choose Apple Pay as your payment method

Google Pay

Pay at Stores or Restaurants

  • Unlock your phone near the register
  • Google Pay will open

Pay on Websites and Apps

  • Tap the Google Pay icon at checkout

Samsung Pay

Pay in a Store

  • Hold the back of your phone close to the payment terminal for a few seconds
  • When you’re done paying, a blue checkmark will appear on the screen
  • If prompted, follow the instructions on the screen to sign or enter your PIN

FitBit Pay

  • Open the Fitbit Pay screen on your device:
    • Ionic, Versa, and Versa 2—If you chose Fitbit Pay as your button shortcut, hold the button on your watch for 2 seconds to activate it. Otherwise, swipe down from the top of your screen. After your notifications appear, swipe down again to open the control center. Tap the Fitbit Pay icon 
    • Sense and Versa 3—Open the Wallet app. For faster access to Fitbit Pay, add it as a button shortcut in the Settings app
    • All other devices—When you’re ready to pay, press and hold the left button on your device for 2 seconds. Swipe to the Payments screen if it’s not shown.
  • If prompted, enter your 4-digit device PIN code. Your default card appears on the screen.

Garmin Pay

  • Press and hold the action button on your Garmin watch. Find and tap Garmin Pay (the virtual wallet icon).
  • Enter your passcode.
  • Swipe up or down to find the card you would like to use. The card you’ve used most recently will be at the top. Select your preferred card.
  • Hold your wrist close to the contactless card reader.
  • When your card is read, the edge of your watch face will light up and you will feel a slight vibration.  You will also see a tick on your device’s screen confirming your payment.