Bay Federal Credit Union

Mobile Wallet

Mobile Wallet is a convenient way to use your credit card or debit card on your phone for contactless payment! After you complete a one-time setup, you only need to unlock your phone and hold it near the terminal to pay.

Skip to FAQs

Set Up Mobile Pay

Open Apple Wallet, Google Wallet, or Samsung Wallet on your compatible device to add your Bay Federal card. Look for the contactless payment symbol at checkout to see where you can tap to pay

Apple Pay

Add to Apple Wallet:

  1. Open Wallet and tap the Add Card (+) button.
  2. Select Debit or Credit Card, then tap Continue. 
  3. Follow the prompts to add your card by holding your iPhone near the card, scanning it, or entering the details manually
  4. Complete any verification requested on screen.
  5. That's it! You are now ready to start using Apple Pay.
Google Pay

Add to Google Wallet:

  1. Open the Google Wallet app.
  2. Tap Add to Wallet at the bottom.
  3. Select Payment card, then New credit or debit card.
  4. Scan your card with the camera or tap Enter details manually.
  5. Tap Save and continue.
  6. Review the issuer terms and tap Accept.
  7. If prompted, select a verification method and follow the instructions.
  8. Your card is ready to use with Google Wallet.
Samsung Pay

Add to Samsung Wallet:

  1. Open the Samsung Wallet app.
  2. Tap All (or Menu), then Payment cards.
  3. Tap Add credit or debit card. If you already have cards saved, tap the + button first.
  4. Scan your card or enter its details manually.
  5. Follow the on-screen prompts, accept the terms, and complete any requested verification.
  6. Your card is ready to use with Samsung Wallet.

Mobile Wallet FAQs

Yes, very. Mobile Wallet technology encrypts your card information for every transaction.

Plus, you can set up a passcode, face scan, or fingerprint lock on your device as an additional security measure.

Mobile Wallet apps allow only one image for any card type, so you will see a default image featuring the Santa Cruz Beach Boardwalk when you add your debit card.

You may confirm the image you are seeing is your debit card by looking for the last four numbers of your card on the bottom left of the Boardwalk image.

Mobile Wallet is a free member benefit at Bay Federal! We do not charge a fee to use this service

If you have Mobile Wallet set up and your device is lost or stolen:

Because of the way Mobile Wallet technology works, we will be able to put a hold on the encrypted version of your card, while your physical card will remain active.

Depending on your device, Mobile Wallet technology uses one of several wireless communication methods (for instance, radio-frequency identification) to transmit encrypted card information to the payment terminal.

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