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General questions.

Is a digital wallet secure?

Yes. Digital wallet services do not send card numbers with your payment, eliminating the threat of your private data being shared or stolen.

Is there a fee to use a digital wallet service?

Every digital wallet service mentioned on this page is free to use with your STCU credit or debit account.

What will digital wallet purchases look like on my monthly statement?

Purchases using a digital wallet service typically look like card purchases on your statement, with one exception: Google purchases may be listed as AdrdPy, GOOGNFC, Mobile Purchase, or Mobile wallet.

Are my credit card purchases protected under "zero liability"?

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.*

What if I lose my phone?

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.

What if my STCU card is lost or stolen or needs to be replaced?

If you receive a new or replacement cards, you may need to go through the initial set-up procedure again to provide basic payment details to your digital wallet provider.

Meanwhile, if you believe your STCU debit or credit card has been lost or stolen, call us at (509) 326-1954 or (800) 858-3750 during regular business hours. After hours, report your lost or stolen debit card at (888) 241-2510 in the U.S.; (909) 941-1398 international. Report your lost or stolen credit card to (855) 341-4650 in the U.S.; (515) 457-5547 international.

Apple Pay.

What STCU accounts may I use with Apple Pay?

Apple Pay can be used for purchases with your personal or business debit and credit cards.

Which devices can use 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.

Where can I use Apple Pay?

Apple Pay adds new stores and apps regularly. See a list stores and apps.

Is Apple Pay available internationally?

Yes, Apple Pay is available in these countries.

Google Pay.

What STCU accounts may I use with Google Pay?

Google Pay can be used for purchases with your personal or business debit and credit cards.

Which devices can use Google Pay?

Google Pay will work with almost any device running Android version 4.4 or later that has NFC (Near Field Communication).

Where can I use Google Pay?

Google Pay adds new stores regularly. See a list stores and apps.

Is Google Pay available internationally?

Yes, visit Google Pay support to learn if it will work for you.

Masterpass by Mastercard.

What STCU accounts may I use with Masterpass?

Masterpass by Mastercard can be used for purchases with your personal or business debit and credit cards. You can also make purchases with your American Express®, Diner's Club, Discover, and Visa®, regardless of which bank or company issued the card.

How do I sign up for Masterpass?

To sign up for Masterpass, visit masterpass.com and sign up with your email or mobile number, then follow the instructions. For help setting up your account, call Masterpass Support at (888) 327-2943.

Which devices can use Masterpass?

Masterpass works on modern Chrome, Firefox, Safari, and Internet Explorer browsers. Most tablet and mobile devices running either iOS 6+ or Android are also supported.

Where can I use Masterpass?

Masterpass adds new stores regularly. View a list of stores and exclusive Masterpass deals.

Is Masterpass available internationally?

Yes, Masterpass is available in many countries including the United States, Australia, Canada, France, Japan, Mexico, United Kingdom, and more.

Samsung Pay.

What STCU accounts may I use with Samsung Pay?

Samsung Pay can be used for purchases with your personal or business debit and credit cards.

Which devices can use Samsung Pay?

Samsung Pay will work with Galaxy 6/Note 5 or newer.

Where can I use Samsung Pay?

Samsung Pay can be used in more stores than any other mobile payment service because it supports both magnetic card readers and Near Field Communication (NFC). This means that if you can use your credit or debit card, chances are you can use Samsung Pay just as easily.

Is Samsung Pay available internationally?

Yes, Samsung Pay is also available in Australia, Brazil, China, Korea, Puerto Rico, Singapore, and Spain.


*zero liability

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.


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