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Online, Mobile, and Telephone Banking will be temporarily unavailable due to regularly scheduled maintenance from 9:30 p.m. on Friday, March 24 until 2:00 a.m. on Saturday, March 25. Our Online Loan Application will also be inoperable during the outage. We apologize for this inconvenience.
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Mobile Payments

Pay confidently on the go.1

Now you can use your IBMSECU Visa® credit, debit, and HSA cards with Apple Pay2, Samsung Pay3 or Android Pay4 almost anywhere you can swipe or tap your card.

Enjoy the confidence of paying with your phone using your IBMSECU Visa card and Android Pay!

There’s a lot to love about Android Pay. Imagine the things you love about your favorite IBMSECU Visa® credit, debit, or HSA card, then add the simplicity of Android Pay™.* Pay confidently on the go with your IBMSECU Visa® card at over a million locations in the U.S. See a full list of Android Pay places to pay at android.com/pay.

It’s Secure:

  • Your account or card numbers are never stored on Android’s® server and merchants won’t see card numbers, contact info, or security codes.
  • If your phone is lost or stolen, you can use Android’s® remote device management feature to lock the screen and change the password.
  • All IBMSECU Visa® credit and debit cards come with Visa’s Zero Liability Policy which provides an additional layer of protection if fraud occurs.

Getting Started is Easy:

  1. Download the Android Pay app
  2. Add your IBMSECU Visa® card – it’s as simple as snapping a photo
  3. Pay confidently at over a million locations in the U.S.

Look for either of these icons at checkout:
Android Pay icons


Frequently Asked Questions:


What IBMSECU cards can I add to Android Pay?

Android Pay will work with your IBMSECU Visa® credit, debit, and HSA cards. Business debit and credit cards are not eligible at this time.

 

How do I add my IBMSECU card(s) to Android Pay?

Just follow these simple steps:

    1. Open the Android Pay app on your phone.
    2. If you have multiple Google Accounts in Android Pay: At the top left of the app, touch your name, then choose the account you want to add a card to.
    3. At the bottom right, touch the plus sign +.
    4. Touch “Add a credit or debit card.”
    5. Use the camera to capture your card info or enter it manually.

You can also add your card on the web by signing in to payments.google.com. On the left, click “Payment methods.” At the top, click “Add a payment method” then “Add a card.” Enter your card info, then click “Save.”

 

Do you charge any fees to use Android Pay?

No. IBMSECU does not charge our Members anything to use Android Pay.

 

Where can I use Android Pay?

You can use Android Pay at more than one million stores and restaurants where Visa contactless payments are accepted.  Purchases can also be made within participating merchants’ Android apps by selecting the Android Pay purchase button. Click here for a list of participating merchants.

 

How do I use Android Pay in a store?

You don’t have to open the Android Pay app to make a purchase with your NFC phone; just follow these steps:

  1. Wake up and unlock your phone.
  2. Hold the back of your phone against the contactless payment terminal.
  3. If prompted, choose “Credit” regardless of your type of card.

 

How do I make my IBMSECU card the default card in Android Pay?

Your default card in Android Pay is the first card you added. If you’d like to change your default card,

  1. Open the Android Pay app.
  2. If you have multiple Google Accounts in Android Pay: At the top left, touch your name, then choose an account.
  3. Double tap a card, then touch Set as default card.
  4. Or touch and drag a card to the “Default card” spot at the top of the app’s Home screen.

 

How safe and secure are payments made through Android Pay?

The safety and security of your account information is of the highest importance. When you make payments with Android Pay and your IBMSECU card:

  • Android Pay never uses your actual card number. Instead it uses a virtual account number so your card details and private info stay safe. Android Pay keeps all your payment information encrypted on secure servers. Your full details are never stored on your phone or shared with merchants when you buy something; they see your virtual account number instead.
  • When you set up Android Pay, you’ll have to set a screen lock if you don’t already have one. We also recommend making sure Android Device Manager is on, which you can use if your phone is ever lost or stolen.
  • Transactions are monitored by IBMSECU’s risk and fraud detection systems.
  • Purchases are protected by Visa’s Zero Liability, so you won’t be held responsible for promptly reported unauthorized transactions.

 

What if I lose my IBMSECU Visa® credit or debit card?

Please call IBMSECU immediately. We will close your card so that no more purchases can be made. Please also mention that you are an Android Pay customer and remove the lost or stolen card from Android Pay using the “Remove card” option.  Once you receive your replacement card, it will need to be added to Android Pay before purchases can be made.

 

What if I lose my Android® Device?

Whenever your phone is unlocked, it can be used to make purchases with Android Pay. If your phone is lost or stolen, you can find, lock, or erase it using Android Device Manager. Since Android Pay doesn’t store your card details on your phone, anyone who finds or steals your phone won’t be able to access that information, even if it’s unlocked.

Your physical IBMSECU Visa® card can continue to be used for purchases, even if you lose your device. Your original terms and conditions, as well as Visa’s Zero Liability Policy to protect against fraudulent charges, still apply.

 

How will Android Pay purchases appear on my monthly statement?

You will see all Android Pay purchases made with your IBMSECU Visa® card listed on your statement the same way as charges made with your physical card.

 

Where can I learn more about Android Pay?

For more information about Android Pay, please visit the Android Pay website.




Now you can enjoy using your IBMSECU Visa Debit, Credit, and HSA Cards with Apple Pay, the easy, secure, and private way to pay!

So go ahead… forget your wallet. Apple Pay* is changing how you pay with their revolutionary contactless payment technology and security features. Apple Pay allows you to use your iPhone 6, Apple Watch, or iPad to pay in stores without swiping your cards or in apps without entering your card or contact information. Pay with a single touch of your finger using Touch ID.

It’s Secure:

  • Your account or card numbers are never stored on Apple’s® server and merchants won’t see card numbers, contact info, or security codes.
  • If your iPhone is lost or stolen, you can use Apple’s® Find My iPhone feature to put your device into Lost Mode to suspend Apple Pay.
  • All IBMSECU Visa® credit cards come with Visa’s Zero Liability Policy which provides an additional layer of protection if fraud occurs.

Getting Started is Easy: Make sure your iPhone 6, iPad Air 2 or iPad Mini 3 has the latest iOS 8 version on it

  • Add your IBMSECU credit or debit card to Apple Pay
  • Begin paying securely with a single touch

Look for these icons at checkout:
Contactless Payment icons



Frequently Asked Questions:


What IBMSECU cards can I add to Apple Pay?

Apple Pay will work with your IBMSECU Visa® credit, debit, and HSA cards. Business debit and credit cards are not eligible at this time.

 

Am I limited in the number of cards I can add to Apple Pay?

Yes, there is a limit of eight cards that you can add to Apple Pay. Of those eight, you may add multiple IBMSECU cards, such as your personal debit and credit cards and HSA card.

 

How do I add my IBMSECU card(s) to Apple Pay?

Just follow these simple steps:

  1. Open Passbook on your iPhone® 6, iPhone 6 Plus, iPad AirTM 2, or iPad mini™ 3.
  2. Select the link in the Credit and Debit Cards section. On your iPhone, you can also open Passbook, then swipe down and tap the plus sign.
  3. Use your iSight camera to enter the card information or type it in manually. The card you had stored in iTunes is your default payment card, but you can always switch it in Settings.
  4. Type the security code from the back of your card and complete the additional fields.

 

Do you charge any fees to use Apple Pay?

No. IBMSECU does not charge our Members anything to use Apple Pay.

 

Where can I use Apple Pay?

You can use Apple Pay with your iPhone 6 or iPhone 6 Plus at more than 220,000 stores and restaurants where Visa contactless payments are accepted.  Purchases can also be made within participating merchants’ iPhone or iPad apps by selecting the “Apple Pay” button. Click here for a list of participating merchants.

 

How do I make my IBMSECU card the default card in Apple Pay?

Your default card in Apple Pay is the first card you added. If you’d like to change your default card, visit the Passbook & Apple Pay section of your device’s Settings.

 

What are contactless payments?

A contactless payments is a transaction using chip-based technology that does not require a physical connection between the payment device (a card or mobile device) and the physical merchant terminal.

 

How safe and secure are payments made through Apple Pay?

The safety and security of your account information is of the highest importance. When you make payments with Apple Pay and your IBMSECU card:

  • Your full card number is not shown to the merchant. When you add your card to Apple Pay your card is assigned a unique device account number which is different than your credit or debit card number. You can always find this device account number and the last four digits of your card number in the Passbook & Apple Pay section under your device’s Settings. When you make a purchase through Apple Pay you will see the last four digits of your device account number printed on the receipt.
  • Transactions are monitored by IBMSECU’s risk and fraud detection systems.
  • Purchases are protected by Visa’s Zero Liability, so you won’t be held responsible for promptly reported unauthorized transactions.

 

What if I lose my IBMSECU Visa® credit or debit card?

Please call IBMSECU immediately. We will close your card so that no more purchases can be made. Please also mention that you are an Apple Pay customer and remove the lost or stolen card from Passbook using the “Remove Card” option.  Once you receive your replacement card, it will need to be added to Apple Pay before purchases can be made.

 

What if I lose my iPhone or iPad®?

Please call us at the number on the back of your card and mention that you are an Apple Pay customer so that your card can be disabled for use with Apple Pay. If you locate your device after your card was disabled by us, you will need to add your card back to Apple Pay. You can also use Apple’s® Find My iPhone feature to put your device into Lost Mode to suspend Apple Pay.

Your physical IBMSECU Visa® card can continue to be used for purchases, even if you lose your device. Your original terms and conditions, as well as Visa’s Zero Liability Policy to protect against fraudulent charges, still apply.

 

How will Apple Pay purchases appear on my monthly statement?

You will see all Apple Pay purchases made with your IBMSECU Visa® card listed on your statement the same way as charges made with your physical card.

 

Where can I learn more about Apple Pay?

For more information about Apple Pay, please visit the Apple Pay website.

Get the great features, rewards and benefits of your IBMSECU Visa® credit, debit, or HSA card while paying confidently on the go with Samsung Pay.

Samsung Pay makes paying with your phone fast, easy and convenient. Plus, it works almost anywhere you can swipe or tap a card.* See a full list of Samsung Pay merchants at samsung.com/pay.

It’s Secure:

  • Your account or card numbers are never stored on Samsung’s® server and merchants won’t see card numbers, contact info, or security codes.
  • If your phone is lost or stolen, you can use Samsung’s® remote device management feature to lock the screen and change the password.
  • All IBMSECU Visa® credit and debit cards come with Visa’s Zero Liability Policy which provides an additional layer of protection if fraud occurs.

Getting Started is Easy:

  1. Make sure your compatible Samsung device is updated with Samsung Pay
  2. Take a picture of your IBMSECU Visa® card with your device’s camera
  3. Secure it with your fingerprint and backup PIN and you’ll be ready to go

Look for this icon at checkout:
SamsungPay-icon-logo

Frequently Asked Questions:

 

What IBMSECU cards can I add to Samsung Pay?
Samsung Pay will work with your IBMSECU Visa® credit, debit, and HSA cards. Business debit and credit cards are not eligible at this time.

 

Am I limited in the number of cards I can add to Samsung Pay?

Yes, there is a limit of ten cards that you can add to Samsung Pay. Of those ten, you may add multiple IBMSECU cards, such as your personal debit and credit cards and HSA card. There is no limit to the number of gift cards that can be added to Samsung Pay.

 

How do I add my IBMSECU card(s) to Samsung Pay?

Just follow these simple steps:

    1. Install the Samsung Pay app on your phone (on compatible devices, a shortcut to download and install the app is preloaded).
    2. Open the Samsung Pay app. Your Samsung account will be automatically linked to Samsung Pay. Sign in to your Samsung account if you’re not already signed in (or create a new Samsung account if you don’t already have one). Touch “START” to continue.
    3. Set up your verification method (fingerprint or PIN).
    4. Touch “ADD”or, if this is the first payment card being added, touch “Add a credit card or debit card.”
    5. Use the camera to capture your card info or enter it manually.
    6. Enter the remaining information and agree to the terms and conditions.
    7. Use your finger or a stylus to enter your signature and touch “SAVE” then touch “DONE” to complete the process.
    8. Your card will be verified in about 10 minutes and then it can be used to make a purchase.


Do you charge any fees to use Samsung Pay?

No. IBMSECU does not charge our Members anything to use Samsung Pay.

 

Where can I use Samsung Pay?

Samsung Pay can be used at nearly all stores. In addition to the Near Field Communication (NFC) contactless payment method, Samsung Pay supports Magnetic Secure Transmission (MST) technology which is accepted at nearly all payment terminals with a card reader. It is not currently available for online or in-app purchases.

 

How do I use Samsung Pay in a store?

You can quickly open Samsung Pay from the Home screen, Apps menu, or lock screen, even if the display is dark or off.

  1. Swipe from the bottom of the screen to the top to access your payment cards.
  2. If necessary, swipe to the left or right to access the desired card.
  3. Place your finger on the Home key to verify your identity. If you are using your Samsung Pay PIN, touch PIN and enter your four-digit code.
  4. Place the back of your device against the card or NFC reader on the payment terminal. Note: If the connection is unsuccessful or too much time has elapsed, retry. You will not be required to verify your identity.
  5. If necessary, complete the transaction on the payment terminal. For example, if you are using a debit card, you are still required to enter your Personal Identification Number (PIN). Some merchants/terminals may prompt you to verify the total charges are correct, while others will require a signature.

 

How do I make my IBMSECU card the default card in Samsung Pay?

Samsung Pay does not have the option to set a default card. When you open Samsung Pay or use Simple Pay, the most recently used, viewed, or added card will display.

 

How safe and secure are payments made through Samsung Pay?

The safety and security of your account information is of the highest importance. When you make payments with Samsung Pay and your IBMSECU card:

  • Your personal, transactional, and payment information are protected by tokenization and authentication methods to secure your information. In addition to the security measures implemented by Samsung Pay, Samsung’s KNOX service constantly monitors suspicious activity within the device to protect from any malicious attacks.
  • Samsung Pay never uses your actual card number. Instead it uses a digital account number (or token) so your card details and private info stay safe. Samsung Pay keeps all your payment information encrypted on secure servers. Your full details are never stored on your phone or shared with merchants when you buy something; they see your token instead.
  • Samsung does not store or have access to the payment information added to Samsung Pay. The last four digits of the card number will be displayed on the card image in Samsung Pay to help you manage your cards.
  • When you make a payment, you will need to authenticate by using your fingerprint or Samsung Pay PIN before the information can be sent to the payment terminal.
  • If your device is ever lost or stolen, Samsung offers a free service to remotely lock or erase Samsung Pay. The service also has the ability to locate your device and erase all your stored personal information.
  • Transactions are monitored by IBMSECU’s risk and fraud detection systems.
  • Purchases are protected by Visa’s Zero Liability, so you won’t be held responsible for promptly reported unauthorized transactions.

 

What if I lose my IBMSECU Visa® credit or debit card?

Please call IBMSECU immediately. We will close your card so that no more purchases can be made. Please also mention that you are a Samsung Pay customer. Samsung Pay will show your card to be invalid once you have closed your IBMSECU card.  Once you receive your replacement card, it will need to be added to Samsung Pay before purchases can be made.

 

What if I lose my Samsung® Device?

If your device is ever lost or stolen, Samsung offers a free service to remotely lock or erase Samsung Pay. The service also has the ability to locate your device and erase all your stored personal information.

Your physical IBMSECU Visa® card can continue to be used for purchases, even if you lose your device. Your original terms and conditions, as well as Visa’s Zero Liability Policy to protect against fraudulent charges, still apply.

 

How will Samsung Pay purchases appear on my monthly statement?

You will see all Samsung Pay purchases made with your IBMSECU Visa® card listed on your statement the same way as charges made with your physical card.

 

Where can I learn more about Samsung Pay?

For more information about Samsung Pay, please visit the Samsung Pay website.

1 For more information, please refer to the Mobile Payment Service Disclosure and Online Banking User Agreement available on our website at ibmsecu.org or contact a Member Service Advisor. Mobile Payment Services compatible with select cards, carriers and devices; see associated website for details (apple.com/apple-pay)(samsung.com/us/samsung-pay)(android.com/pay). Message and data rates may apply. Federally insured by NCUA.

2 Apple®, iPhone®, iSight®, Passbook® and iTunes® are trademarks of Apple, Inc., registered in the U.S. and other countries. Apple Pay™, Apple Watch™, Find My iPhone™ and Touch ID® are trademarks of Apple, Inc.

3 Samsung®, Samsung Pay®, Samsung Galaxy S6®, Samsung Galaxy S6 edge®, Samsung Galaxy S6 edge+®, and Samsung Galaxy Note® 5 are registered trademarks of Samsung Electronics Co., Ltd.

4 Android Pay™ is available on Android 4.4 or newer, trademarks of Google Inc., including select Samsung services and devices.

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