A person is using Samsung Pay to purchase goodies at a bakery shop.

Digital Wallets

Fast-track your trip through the checkout line

Quickly add your Advantage One cards to digital wallets.

When you're out shopping, the goal is to get the merchandise you want and then move on to other things. Now there's an easy way to speed up that experience. It only takes a minute to add your Advantage One debit or credit cards to digital wallets on your mobile or wearable devices. After that, you can pay for purchases by tapping your device against a store's electronic payment terminal.

Both Advantage One Mobile App and Digital Wallets services are free¹
Add your card to Apple Pay or Google Pay with the click of a button. Simply go to Card Management in our mobile app.
Available for most major smartphone and tablet brands
Digital Wallet technology accepted at millions of locations worldwide
Digital payments can also be made online
Built-in security features protect your financial information
You can use your purchase records to analyze your spending habits

¹Third party data rates may apply

Digital Wallets FAQs

What is a Digital Wallet?
A digital wallet uses contactless payment technology from an eligible device to allow merchants to receive customer payments. It creates an electronic version of your AOCU card(s), assigning them a virtual account number for added protection. Once created, you can use your digital wallet at participating merchants.

Where can I use Digital Wallet?

In store – look for the contactless symbol on payment terminals
Online – checkout faster online when you see your wallet logo
In app – pay safely, securely and easily in your favorite apps

Is there a fee for using Digital Wallet?
Advantage One does not charge any fees to add your debit card to your digital wallet. The terms and conditions of your debit card will still apply to any purchases made. Third party data and/or text rates may apply. Also, use of any app is subject to the app publisher’s rules.

Is my information stored on my device?
Your payment information is stored in the digital wallet app, not on your phone. The app assigns each debit card a virtual card number associated only with the digital wallet and mobile device you use. Additionally, most apps require security measures before authorizing the transaction. Devices may also require enabling of security features (such as codes, drawn patterns, fingerprint or face ID to unlock device), before allowing you to load cards.

How secure is Digital Wallet?
Digital wallets are considered safer than a traditional wallet because of the security authentication features needed to gain access. Digital wallets heavily encrypt all banking details to help keep them secure.

Is my digital wallet able to be stolen?
Although there are programs that allow thieves to try and steal your information, it would be extremely difficult for them to gain enough information to be able to replicate your card. They would also need to be in close contact with your device to get any information. Online and phone purchases typically require information that is not transmitted by the digital wallet, so again, thieves would not have enough info to complete any transaction.

Additionally, if your information were to be stolen, the credit union can block any charges that come through the digital wallet.

What should I do if my device or physical card is lost or stolen?
In both cases, contact the Card Services department at Advantage One (734-676-7000) to have your card shut off and any fraudulent transactions blocked.

If your physical card is missing, remove it from your digital wallet and replace with new card number. If your digital wallet is stolen, change your passwords and add your replacement card number.

What happens when I replace my device?
If you replace your device, you many need to add your debit card information to the app again. Check on your new device to see if the card information carried over once you download the app.

What happens when my physical card expires?
The app, whichever you use, will generally prompt you to update your card information. Cards come from Advantage One via the USPS.

Dual credit card holders, example:

If a husband and wife have the same card number, can the card be loaded on different phones?
Yes.
Can I load the same card on two phones?
Yes. The card example above would then have two tokens associated with it.

How long does it take for my digital wallet to start working?
In most cases, once your card is authenticated it is ready to use. In rare incidences it can take up to 24 hours for your card to be authenticated.

Apple Pay™

Pay confidently with Visa.

Set up is simple

On iPhone^®, open the Wallet app and tap the plus sign. From there, follow the onscreen instructions.
On Apple Watch,™ open the Apple Watch app on your iPhone and select “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.” From there, follow the onscreen instructions.
On iPad^®, go into Settings, open “Wallet & Apple Pay,” and select “Add Credit or Debit Card.” From there, follow the onscreen instructions.

Paying is easy and secure

To pay within stores, hold iPhone near the contactless reader with your finger on Touch ID™. On Apple Watch, just double-click the side button and hold the display of your Apple Watch up to the contactless reader. To pay within apps on iPhone and iPad, select Apple Pay as the payment method and place your finger on Touch ID.

For further details, visit the Apple site to learn how to load a card, and how to pay.

Apple Pay works with iPhone 6 and later and Apple Watch in stores, and iPhone 6 and later, iPad Pro, iPad Air 2, and iPad mini 3 and later within apps. For a list of compatible Apple Pay devices, see www.apple.com/apple-pay.

Google Pay™

Getting started is as easy:

Download the Google Pay app from Google Play or the App Store
Follow the instructions to add your Advantage One Visa^® debit or credit card
Verify your card if needed. Then you're all set!

Try it today

Pay confidently at millions of places around the world with Visa and Google Pay. See the stores and apps that accept Google Pay.

Google Pay is a trademark of Google LLC. Payment methods shown not available in all countries or locations.

Samsung Pay™

Tap to pay with your Visa^® via Samsung Pay

On your Samsung device, access your cards from the Samsung Pay app
Add your Visa Debit and Credit cards
Look for the Contactless Symbol at checkout

Try it out today

There's a lot to love about Samsung Pay. Like how it lets you use your favorite Visa card at millions of places around the world. See stores and apps that accept Samsung Pay.

Get extra layers of security

When you use your Samsung phone to pay in stores with an eligible Visa card enrolled in Samsung Pay, Visa Token Service replaces sensitive account information with a unique digital identifier called a token, which allows payments to be processed without exposing actual account details.

For further details, visit Samsung Pay and learn how to load your card.

Samsung Pay is only available in select countries, with available devices. Features, card issuers and merchants may vary. Payment methods shown not available in all countries or locations.

Fitbit Pay™