Shopping is easier and more secure when you pay from your phone or other device with a free digital wallet service.
The services described below can safely access your available STCU debit or credit card accounts, without sharing your card numbers or personal information with merchants.
Please follow the instructions below for help in setting up a digital wallet on your type of phone. If you need assistance setting up your digital wallet, call STCU during regular business hours at (800) 858-3750.
NOTE: Access to STCU debit card accounts is not yet available on Samsung and Android phones. Services can change at any time, and STCU cannot guarantee or accept any liability in connection with the use of digital wallet services.
Open the Wallet app on your device and follow the steps to add your STCU cards to Apple Pay. (Can also be added from your iTunes account.) If prompted, call STCU at (509) 326-1954. You also may receive a mailed letter confirming your card setup.
Learn more about adding accounts to Apple Pay.
1) Look for the Pay Wave® or the Apple Pay symbol at the checkout stand. Hold your phone near the contactless reader.
2) Place your finger on the Touch IDô to authorize your payment.
3) Keep your phone by the reader until it vibrates and beeps. This indicates that your payment was accepted.
Learn more about using Apple Pay.
Apple Pay will work with iPhone SE/6/6 Plus, and later; iPad Pro/Air 2/mini 3, and later; Apple Watch, and Mac OS Sierra.
Apple Pay adds new stores and apps regularly. See a list stores and apps.
Yes, Apple Pay is also available in these countries.
If your phone doesnít come with Android Pay preloaded, download the app from Google Play. If you already have a card in your Google account, you can add it by confirming a few details, or you can add a new card as simply as snapping a picture. If prompted, call STCU at (509) 326-1954. You also may receive a mailed letter confirming your card setup.
Android Pay currently only works with STCU credit cards. Debit cards are expected to be supported by early 2017.
1) Look for the Pay Wave® or the Android Pay symbol at the checkout stand. Hold your phone near the contactless reader.
2) If prompted, choose "Credit" regardless of your type of card.
3) You also might need to enter a PIN depending on what card you are using.
Learn more about using Android Pay.
Android Pay will work with almost any device running Android version 4.4 or later that has NFC (Near Field Communication).
Android Pay adds new stores regularly. See a list stores and apps.
Yes, Android Pay is also available in Australia, Singapore, and the United Kingdom.
Open the Samsung Pay app on your phone and follow the steps to set up the app, including choosing a personal identification number (PIN) or authorizing your fingerprint. You can also add cards by using the camera or entering them manually. If prompted, call STCU at (509) 326-1954. You also may receive a mailed letter confirming your card setup.
Learn more about setting up Samsung Pay
Samsung Pay currently only works with STCU credit cards. Debit cards are expected to be supported by early 2017.
1) Swipe up or open the Samsung Pay app.
2) Authorize with your fingerprint or pin.
3) Hold your phone over the card reader or next to the magnetic stripe card reader.
Learn more about using Samsung Pay
Yes, Samsung Pay is also available in Australia, Brazil, China, Korea, Puerto Rico, Singapore, and Spain.
STCU MasterPass is an online shopping service that stores your payment and shipping information in one convenient and secure place. You simply shop, click, and check out, with no cards to carry, no billing forms to fill out, and no fees to pay.
Visit the STCU MasterPass website, click "Sign up" and follow the prompts. Youíll receive an email welcoming you to Masterpass. Log in to the STCU Masterpass website and adjust your cards, shipping addresses, and preferences.
To learn more about setting up MasterPass.
1) When checking out, just click or tap the "Buy with MasterPass" button to be taken to the MasterPass website.
2) Select STCU as your digital wallet and sign in to your MasterPass account.
3) Select your card and shipping address and complete your purchase.
Learn more about using MasterPass.
MasterPass can be used for purchases with your STCU Debit MasterCard and MasterCard credit card accounts, including STCU Rewards cards. You can also make purchases with your American Express®, Dinerís Club, Discover, and Visa®, regardless of which bank or company issued the card.
STCU MasterPass works on modern web and mobile browsers including Chrome, Firefox, Safari, and Internet Explorer 11+. Tablet and mobile devices running either iOS 6+ or Android are also supported.
MasterPass adds new stores regularly. See a list of stores.
Yes, MasterPass is available in many countries including the United States, Australia, Canada, France, Japan, Mexico, United Kingdom, and more.
Yes. Digital wallet services do not send card numbers with your payment, eliminating the threat of your private data being shared or stolen.
Every digital wallet service mentioned on this page is free to use with your STCU credit or debit account.
Purchases using a digital wallet service typically look like card purchases on your statement, with one exception: Android purchases may be listed as AdrdPy, GOOGNFC, Mobile Purchase, or Mobile wallet.
Yes. Whether you use a digital account number or a physical credit card, you are protected by the issuing card company's zero liability against fraudulent transactions on your credit card.*
If your phone or other device is ever lost or stolen, you will not need to cancel your card, but only the digital wallet account number, which can be quickly reissued by the provider.
If your STCU debit or credit card is lost or stolen, call the credit union immediately at (800) 858-3750. We also have after-hours and international numbers.
For any new or replacement cards, you would go through the initial set up of providing the basic payments details to add the card to your digital wallet provider.
Major credit card issuers provide zero liability policies that cover U.S.-issued cards only and do not apply to ATM transactions, PIN transactions not processed by the companies, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Read your STCU credit card agreement and disclosures or consult STCU for additional details.