Digital Wallets

A digital wallet is your wallet - but in digital form! Digital wallets allow you to make a purchase in a store, in an app or even on a website with a participating merchant without your physical DFCU Financial Debit or Credit Card. Instead, you just need a compatible phone or wearable device.

There are many benefits to making purchases with your DFCU Financial Debit or Credit Card using your digital wallet, including:

- It's convenient – You don’t have to worry about having your card with you.

- It's fast – Transactions made with a digital wallet are almost instant instead of having to insert your card and waiting for the transaction to process.

- It's secure – During a transaction, merchants are provided with a one-time password, or a token, rather than your card number, making it nearly impossible for a fraudster to steal your card information.

Yes. Digital wallets use security features that are built into your device to protect your transactions. Additionally, you will be required to authenticate yourself before each transaction can be processed. Depending on your device type, the authentication step may be completed using your fingerprint, facial

recognition, passcode or a PIN. The digital wallet providers do not store or have access to your full account number. The last four digits of the card number will be displayed on your card image to help you manage your cards. When a transaction is made, a unique one-time passcode, known as a token, is sent to the merchant rather than your full account number, making it nearly impossible for your card information to be compromised.

You will need:

- An DFCU Financial Debit or Credit Card

- A compatible device with a digital wallet app

- A data plan or access to Wi-Fi

You may use your digital wallet at many different merchants such as grocery stores, department stores and restaurants. Digital wallets are also accepted in many apps and on participating websites with your computer, phone or tablet, depending on the compatibility of the devices.

If your card is lost or stolen, please call us at 888.336.2700 during normal business hours, or 800.472.3272 after hours to close your card. You can remove the card you added to the device within your digital wallet app. Once you receive your replacement card, add your new card to your digital wallet as if you were setting it up for the first time.

Many major retailers are already accepting digital wallets in-store, in-app and online. 

Yes, you can easily remove your card, personal information and opt out anytime.