Digital Wallets

Digital wallet used for a purchase.

What is a digital wallet?

A digital wallet stores payment information from a debit card or credit card in one location, making it easier for you to make purchases online or using a mobile device. Digital wallets can be built into apps or available in standalone digital wallet applications. Digital wallets allow you to securely store your payment information, providing easier access to loyalty programs, and offering the convenience of paying with a single touch.

Advantages of a digital wallet

It’s easy to use

Checkout faster with a touch of a button while eliminating the need to try and find a particular card.

It’s secure

Digital wallets encrypt and secure your financial information, making potential fraud difficult.

It’s contactless

Make contactless payments without having to remove or show your debit or credit card.

How do digital wallets work?

Digital wallets make life much easier and more convenient, reducing the need to carry cash or a debit or credit card on hand whenever you want to make payments or transfer funds.

To start, you’ll need First State Bank checking account. Once you have an account, you’ll need to apply for a debit card or credit card and add your debit or credit cards to your devices wallet app. Once your card information is saved, you can select a card or payment method that you’d like to use to make a purchase. Money will be transferred instantly, and you can use your digital wallet almost anywhere you can use credit or debit cards.

Learn how to set up your First State Bank
debit card in your digital wallet.

It’s easy to add your First State Bank Visa® debit or credit card to your digital wallet.
For detailed instructions, Apple users visit Apple Wallet® and Android users visit Google Wallet® .

Learn how to set up your First State Bank debit card in your digital wallet.

It’s easy to add your First State Bank Visa® debit or credit card to your digital wallet. For detailed instructions, Apple users visit Apple Wallet® and Android users visit Google Wallet® .

How to keep your digital wallet safe.

  • Secure your digital device and app with a PIN, password, and facial recognition or fingerprint options to prevent any potential unwanted financial activity.
  • Exercise caution when sending money to individuals or businesses; only send money to those you know and trust.
  • Monitor your digital wallet transactions regularly within digital banking, Review your payment history daily to identify any declined or suspicious transactions immediately. Set up alerts inside Digital Banking to avoid potential fraud.
  • Since digital wallet funds are not insured, after receiving any money or transfer inside your digital wallet, move the funds to your First State Bank FDIC-insured account.
  • Avoid linking your digital wallet app to any social media platform.
  • Do not use unsecured Wi-Fi networks. Do not turn your digital wallet on if it is connected to an unsecured Wi-Fi network. Unsecured Wi-Fi allows criminals the possibility of stealing your personal financial information.

If you ever suspect fraudulent activity on any First State Bank account, please call our Customer Care Team at 636-940-5555.

Digital wallet frequently asked questions

What are digital wallet apps?

A digital wallet app is a digital version of your debit or credit card stored in a wallet app designed to work with your mobile device. For example, Apple devices use the Apple Pay® wallet app, while Android devices use the Google Wallet® app. First State Bank debit cards work with Apple Pay® and Google Wallet® but not Samsung Pay®. First State Bank credit cards work with all three digital wallet apps including, Apple Pay®. Google Wallet®, and Samsung Pay®.

What are the benefits of digital wallets?

Digital wallets, sometimes called e-wallets, provide you with a convenient way to pay for goods and services online without using a physical payment card. In a digital wallet, you can store all your payment details, which makes online shopping a much faster and more efficient experience. Plus, with a digital wallet, you’ll enjoy numerous security benefits. You can easily keep track of all your payments, and your details are safely stored, so you never need to worry about sharing confidential information online. Digital wallets are a great solution for anyone who does a lot of shopping and payments online, as it saves time and provides you with greater security.

Can I have multiple cards in my digital wallet?

The answer is a resounding yes! Digital wallets, such as Apple Wallet® and Google Wallet®, are designed to store multiple cards, including credit cards, debit cards, loyalty cards, and even boarding passes, all in one convenient location. Digital wallets are more secure than traditional physical wallets and eliminate the need to carry numerous cards that could get into the wrong hands.

How does a digital wallet work when adding a credit card or debit card?

When a user adds their card details to a digital wallet, such as Apple Wallet® or Google Wallet®, the information is encrypted and stored securely on their mobile device ensuring sensitive card information is not exposed to any potential threats. When making a transaction using the digital wallet, the user must authenticate their identity through a passcode, fingerprint, or facial recognition. This authentication process adds a layer of security, preventing unauthorized access to the card details. Once authenticated, the digital wallet transmits a unique, encrypted token to the payment terminal or online merchant rather than the actual card information. This token acts as a stand-in for the card details, ensuring that the user’s personal information remains secure.

What apps do I need to use my debit card or credit card in a digital wallet—Apple Wallet, Apple Pay, Google Wallet, or Google Pay?

You will use either the Apple Wallet® or Google Wallet® app, depending on your device type.

The Apple Wallet® app is exclusively available to Apple device owners and digitally stores their credit or debit cards. Apple Pay® functionality is built into Apple Wallet®, so there’s only one app to use when making purchases online or in stores!

Similarly, Google Wallet® is the favored app Android device users will need to store their digital credit and debit cards. Google Wallet® allows you to pay everywhere Google Wallet® is accepted.

While the Google Pay® app used to be an Android user’s digital wallet app, it’s now primarily used to help manage finances. It also allows you to send money to personal contacts.

Copyright © 2024. All rights reserved. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.