Paying on the go just got a lot easier.

With UCU’s mobile banking app, you can quickly and safely add your UCU debit card to your Apple Pay® or Google Pay™ digital wallet. This simplifies the payment process by securely storing your card details on your mobile device for quick and contactless transactions.

Purchases

Make purchases using just your phone or wearable device, wherever digital wallet payments are accepted.

Security

Stay protected with enhanced security measures, such as tokenization (use of a digital token instead of your card number), biometric authentication (the requirement of a fingerprint or facial recognition to authorize transactions), and reduced risk of card skimming (because you are not using a physical card).

Lost Card

In the case of a lost or stolen physical card, you can request a new card via mobile banking. After it appears in your account, add it to your digital wallet and begin transacting immediately, even before you receive your new physical card.

To add your card to your digital wallet via mobile banking:

*UCU debit card and Apple Pay are used for illustrative purposes.

1

Once logged into the UCU mobile app, select 'UNIVERSITY CHECKING' from your accounts section.

Step 1

2

Click 'Card Manager'.

Step 2

3

Select the card you wish to add and click 'Add to Wallet'.

Step 3

4

The 'Add Card to Apple Pay'/'Adding Card' window will display. Enter the name as it appears on the card and the card number.

Step 4

Step 5

5

Select the verification method. A verification code will be provided by the method chosen.

Step 6

6

Enter the verification code. A confirmation message will appear once added.

Step 7

7

To verify the card has been successfully added, return to Card Manager. The card will have an 'Added to Wallet' note.

Step 8

8

To use for payment, locate the card titled 'University Credit Union' in your digital wallet and scan the code at checkout at any participating retailer.

Step 9

Frequently Asked Questions

What is a digital wallet?

A digital wallet lives on your mobile device and provides a convenient and secure way to complete transactions. It can help you manage various forms of payment and reduce your risk of fraud.

Is there a fee to use a digital wallet?

No, there are no fees associated with this service.

Will I need my card number or physical card on hand when adding it to my digital wallet?

No, you can easily add your card to your digital wallet without sharing any personal information or card details. Simply click 'Add to Wallet', confirm your identify, and you’re ready to transact with anywhere that accepts Apple Pay or Google Pay.

Is it safe to add my UCU card to my digital wallet?

Yes, when your card is added into your device’s digital wallet, a tokenization process encrypts the data sent over the network. This process provides an extra layer of security when making purchases.

I’ve lost my card and need to make a purchase. Can I use digital wallet to do so?

Yes. In the event of a lost or compromised card, follow the normal process flow of flagging your card as lost in the UCU mobile app. Once complete, your new card number will appear in mobile banking within 1-2 days. Once it appears, you can add your new card to a digital wallet and begin transacting immediately, even prior to activating or receiving your new physical card.

What card types can I add to my digital wallet?

You can add your UCU debit card to your digital wallet.

Can I add more than one card to my digital wallet?

Yes, you can add multiple UCU cards to your digital wallet.

I’ve tried adding my card to the digital wallet but it’s asking me to send a verification code to a phone number or email I don’t recognize.

The phone number or email utilized in digital wallet verification will correlate to the ones you have on file for your respective Apple or Google accounts. Please note that these may differ from the ones you use for your University Credit Union account.

How do I order a replacement debit card?

To request a replacement debit card, tap on the checking share linked to your debit card. Navigate to and tap the 'Card Manager' link. Locate and select the 'Request a New Card' option. The new card order request will be processed on the next business day, and the new debit card will be shipped to the mailing address on file within 7 to 10 business days.

Debit cards are eligible to receive a digitally issued card that can be added to your Google or Apple Wallet one business day after the new debit card order is placed. This digital card can be used for purchases both before and after your physical card is received and activated.

How do I report my debit card lost or stolen?

To report your card lost or stolen, tap on the checking share linked to your debit card. Navigate to and tap the 'Card Manager' link. Locate and select the lost/stolen/fraud option. The new card order request will be processed on the next business day, and the new debit card will be shipped to the mailing address on file within 7 to 10 business days.

I have debit card transactions on my account that I do not recognize. How do I dispute these charges?

If you identify unauthorized transactions, please complete the Cardholder Dispute Form.

Once completed, return the form to disputes@ucu.org.