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Apple Pay® FAQs

Q: What is Apple Pay®?
A: Apple Pay® allows you to pay for purchases at participating retailers using your Educational Systems FCU debit and Visa® credit cards in conjunction with Apple® devices.

Q: What devices are compatible with Apple Pay®?
A: Apple Pay® is compatible with iPhone 6, iPhone 6s, iPhone 6 Plus, iPhone 6s Plus, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone SE, iPhone X, iPad Air 2, iPad mini 3, iPad mini 4, and iPad Pro models. All devices must have iOS 8.1 or later, including Touch ID or passcode. In addition, the user must have an iCloud account.

Q: Is Apple Pay® safe?
A: Yes. Your financial security is our top priority. Therefore, you can be assured that we have researched Apple Pay® thoroughly to ensure your safety. When you make a payment using Apple Pay®, the merchant is never given your full card number. In addition, all the standard fraud monitoring systems will continue to apply to purchases you make using Apple Pay®.

Q: Is Apple Pay® free?
A: Yes. However, message and data rates may apply depending on your data plan.

Apple Pay® set up

Q: How do I add my card(s) to Apple Pay®?

A: iPhone

  1. Open Wallet.

  2. Tap the plus sign in the upper right corner.

  3. Enter your card's security code to add your Educational Systems FCU credit or debit card from your iTunes® account. If adding a different card, select "Add a different card" and use your camera to enter the card information.

A: Apple Watch

  1. Open the Apple Watch app on your iPhone and select the “Wallet & Apple Pay” app.

  2. Tap “Add a Credit or Debit Card”.

  3. Follow the onscreen instructions to add your card.

A: iPad

  1. Go into Settings, select “Wallet & Apple Pay”.

  2. Choose Add Credit or Debit Card.

  3. Follow the onscreen instructions to add your card.

However, if additional information is required, call us at 301.779.8500. If you’re calling after hours, select option (4) four. Upon completion, we will send you a confirmation letter in the mail.

Q: What if I receive the message “could not add card” during enrollment?
A: This is an error that is not associated with Educational Systems FCU. It means that Apple® and/or Visa® could not complete verification of your card.

Q: What if I receive the message “your issuer does not yet offer support for this card” during enrollment?
A: If you receive this message, please call us at 301.779.8500.

Q: How do I make my Educational Systems FCU card the default card?
A: To change the default card, go to Settings, select Passbook & Apple Pay, tap on Default Card, and choose your Educational Systems FCU debit or Visa credit card.

Q: When my card expires, do I have to enroll my new card?
A: Yes. Whenever you are issued a new card, even if it's the same number, it needs to be enrolled in Apple Pay®. You will also need to remove your old card. This can be done by going into Settings, open Passbook & Apple Pay®, select the card you want to delete and tap Remove Card.

Using Apple Pay®

Q: How do I use Apple Pay® at the register?
A: Look for the Apple Pay® symbol at participating merchants when you are ready to pay.

  1. Touch – to pay in-store, move your iPhone near a contactless reader with your thumb on Touch ID®.

  2. Pay – a subtle vibration and tone let you know your payment has been processed.

  3. Done - Now you can continue to enjoy all the benefits of your Educational Systems FCU® card.

To use your Educational Systems FCU card to check out with your Apple Watch, just double-click the side button and then hold the display of your Apple Watch up to the contactless reader.

To pay in apps and on the web with your iPhone or iPad, select the Apple Pay payment option at checkout, review your details, and place your finger on Touch ID®. On Mac in Safari®, choose Apple Pay then complete the purchase on your iPhone or Apple Watch.

Q: What if my Apple Pay® transaction is declined?
A: If your payment is declined when using Apple Pay®, simply use your physical card.

Q: What is a Device Account Number?
A: During the transaction, you may be asked for the last four digits of your Device Account Number. This is a virtual card number that is created when you enroll your card in Apple Pay®. It's only associated with Apple Pay®. To find the Device Account Number, select the "I" icon in Passbook in the lower right corner.

Q: What happens if my device is lost or stolen?
A: There are two safety measures in place to protect your card from fraudulent use. First, only you can authenticate a transaction using Touch ID®. You can also remove your card(s) from Apple Pay® using a computer. Login to your iCloud.com account and choose your device. Remove your card(s) in the Apple Pay® section.

Q: What happens if I have an Apple Pay® dispute or fraud claim?
A: Your dispute or fraud claim will be processed in the same manner we handle transactions where the physical card is swiped.

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