Mobile wallet is a service allowing you to load your ACCU debit card on your mobile device. You can then use your mobile device at merchants that accept digital payments through Apple Pay and Google Pay or terminals that have the Tap to Pay/Contactless Payment capability.

Using a mobile wallet is a convenient and secure way to use your ACCU debit card for purchases. Having a separate digital card number means your account details are not stored on your device, and mobile payments are quick and allow touch-free processing at merchants (no more inserting your chip card in the reader and waiting!).

Yes, mobile wallets use tokenization to create a separate digital card number from your physical card, and your card details are not stored on the device or transferred to the merchant.

For best practice, ensure your mobile device is set up with the highest level of security (such as Face ID, Touch ID, Iris, etc.) as making a payment with your device requires authentication.

Yes, if you live in or travel to an area with an unreliable cellular and/or WiFi network, you can still utilize mobile wallet as a trusted payment method! Mobile wallet uses a technology called Near Field Communication (NFC) to conduct your payment transaction. NFC works even when cellular and WiFi don't.

For more information on NFC and how it works, check out this article by Investopedia.

Tokenization replaces your physical card number with a token value, so your actual information is not shared with the merchant during the transaction.

Tokenization is the process of turning an account number into a random string of characters called a token that has no meaningful value if breached. Tokens serve as reference to the original account number but cannot be used to reveal the true number.

Using mobile wallet is free! However, third party charges such as wireless carrier message and data rates may apply. Any ACCU fees that are normally associated with your account would still apply (if any).

Download the appropriate mobile wallet app (Apple Pay or Google Pay) onto your compatible device and follow instructions to enroll. You will be prompted for a one-time entry of a few account details such as name, address, ACCU debit card number, expiration date, and the three-digit card verification code found on the back of your card.

This process, which includes confirming your identity, may take some time, so please be patient. Depending on your information on file, you may be able to receive a digital one-time code to enter to verify your device.  You may also have to contact us back for verification.

As an extra layer of security you may be prompted to call ACCU prior to authorizing use of mobile wallet. For debit card verification, you may be asked to provide identifying information. This is to help protect the card from being fraudulently added to someone else’s device in the event the card is lost/stolen and/or the personal card information is compromised.

Mobile wallets use a graphical representation of the card, not an exact replica, and ACCU has chosen a design that represents all ACCU cards.  If you have a Pay with Pride debit card, all your transactions still count towards the donation we make to your school.

Purchases made using your mobile wallet are tracked and viewable in the wallet application on your device as well as recorded in your ACCU account history/statements as you would normally see debit card transactions presented.

Yes, you may remove cards at any time.

As long as your new card is the same number as before, you should not have to update any information in your wallet.

Please contact us to delete the card for use in a mobile wallet. You may continue to use the physical card, or request to cancel the card and receive a new card.  We also advise that you log into your Apple or Google account to remove the card there.

If you are able to recover the mobile device or get a new one, you will need to re-add your card to your mobile wallet.

Before handing over your device, make sure you delete all enrolled cards/digital accounts in your mobile wallet. Alternatively, you may reset your device to factory settings which will also remove all cards.

To report your ACCU debit card lost or stolen call any of our locations during business hours. If after business hours, call 833-462-0798.  Then, remove the lost/stolen card from your mobile wallet. When your new card arrives, add the new card to mobile wallet before making any purchases.

Just like any other purchase, you will be able to return a purchase made with mobile wallet. During the return process, the cashier may ask for the last four digits of your device account number. This can be checked by opening the mobile wallet app and bringing up the card. The last four digits of the device account number will be displayed on the card in mobile wallet.