Your Circle FCU Debit Card, Right on Your Phone
Leave your physical card at home and make everyday purchases with your phone.
With a Mobile Wallet, you can securely add your eligible Circle Federal Credit Union Debit Mastercard® to a compatible smartphone or device and use it to make convenient payments in stores and online.
Mobile Wallet makes checkout faster and adds security by using a unique digital payment number instead of sharing your actual card number with the merchant.
A Faster, More Convenient Way to Pay
Your phone can do more than help you manage your accounts. It can also become a convenient way to make purchases.
Once your eligible Circle FCU debit card is added to a supported mobile wallet, you can use your device at participating merchants that accept mobile or contactless payments.
Pay With Your Phone
Use your smartphone or compatible device instead of pulling out your physical debit card.
Shop In-Store
Look for the contactless payment symbol at participating merchants and use your mobile device at checkout.
Shop Online
Use supported mobile-wallet options at participating websites and apps for faster checkout.
Keep Your Card Information Protected
Mobile-wallet transactions use a unique number associated with your device and card rather than sending your actual card number to the merchant.
Mobile Wallets Supported by Circle FCU
Circle Federal Credit Union Debit Mastercards are compatible with:
Apple Pay
Use your eligible Circle FCU debit card with Apple Pay on compatible Apple devices.
Google Pay
Add your eligible Circle FCU debit card to Google Pay on compatible Android devices.
Samsung Pay
Use your eligible Circle FCU debit card with Samsung Pay on compatible Samsung devices.
Why Use a Mobile Wallet?
Convenience Without Giving Up Security
Mobile wallets are designed to combine simple checkout with additional security features.
Your Actual Card Number Isn't Shared With the Merchant
Circle FCU explains that mobile-wallet transactions use an encrypted, unique number associated with the device and card to authorize purchases.
This means your actual card number and PIN aren't transferred to or stored with the merchant during the mobile-wallet transaction.
Device Authentication
Many smartphones require an additional authentication method, such as fingerprint recognition or facial recognition, before a payment can be completed.
Less Card Handling
You don't have to hand your physical debit card to a cashier or enter your card information manually at supported checkout locations.
Convenient Everyday Payments
Your phone is something you probably already carry with you. A mobile wallet lets you use it as another way to access your eligible Circle FCU debit card.
Where Can I Use My Mobile Wallet?
Look for Contactless Payment Options
You can use your mobile wallet at participating merchants that accept the payment network and mobile-wallet service you're using.
In Stores
Look for the contactless payment symbol or the applicable mobile-wallet logo at checkout.
Then follow the instructions on your device to authorize your payment.
Online
Some websites and mobile apps offer mobile-wallet buttons during checkout.
When available, select the appropriate wallet and follow the instructions on your device.
At Participating Locations
Acceptance varies by merchant, device, wallet provider, and payment terminal.
If a merchant doesn't accept your selected mobile wallet, you can continue to use your physical Circle FCU debit card.
Keep Your Mobile Device Secured
Your Phone Is Now Part of Your Payment Experience
Because your mobile device can be used to make purchases, it's important to protect it just as you would protect your physical debit card.
Use a Screen Lock
Protect your phone with a passcode, fingerprint, facial recognition, or another supported security method.
Keep Your Device Updated
Install current operating-system and security updates when they become available.
Don't Share Your Passcode
Never give your device passcode or other authentication information to someone else.
Keep Your Wallet Information Private
Don't share screenshots, wallet information, card details, or authentication codes with people you don't trust.
Report a Lost or Stolen Device
If your phone is lost or stolen, take steps to protect your mobile wallet and contact Circle Federal Credit Union as appropriate.
