Routing #: 281581144 • Wire Instructions
In today’s fast-paced world, convenience and security go hand in hand—especially when it comes to managing your money. If you’ve ever forgotten your wallet at home or felt uneasy inserting your card into a reader at a crowded store, you’re not alone. That’s where digital wallets come in.
A digital wallet allows you to store your debit or credit card on your smartphone, smartwatch, or other connected device. It securely holds your payment information and enables you to make purchases with just a tap. At Ozark Federal Credit Union, we support digital wallet compatibility with both debit and credit cards, giving members a modern way to bank confidently.
Digital wallets use a combination of encryption and tokenization to protect your card data. When you make a purchase, your digital wallet doesn’t send your actual card number to the merchant. Instead, it generates a unique, one-time-use code for that transaction—helping to reduce the risk of fraud or stolen data.
Most smartphones come equipped with built-in digital wallet apps like Apple Wallet, Google Wallet, or Samsung Wallet. Once you link your card, you can pay at checkout terminals, within apps, or online stores without ever pulling out your physical card.
For Ozark Federal Credit Union members, this means you can add your credit union-issued card and start enjoying seamless, contactless payments that are as secure as they are convenient.
There’s a reason millions of people are leaving their traditional wallets behind. Digital wallets offer more than just a flashy tech feature—they bring everyday value, especially when paired with the trust and service you already get from Ozark Federal Credit Union.
A More Convenient Way to Pay
Imagine checking out at the grocery store, and instead of fumbling for your card, you simply double-click your phone’s side button and hold it near the terminal. That’s it. Whether you're buying coffee or filling up at the pump, digital wallets make everyday purchases faster and easier.
Enhanced Security for Your Peace of Mind
Security is often the biggest concern when switching to new technology—but digital wallets are actually more secure than physical cards. Your card number isn’t stored on your device or shared with merchants. Instead, biometric authentication like Face ID or fingerprint adds an extra layer of protection.
A Smart Choice for Health-Conscious Living
In a world where touch-free options are becoming the norm, contactless payments are ideal. You don’t need to hand over your card or touch public pin pads. With a digital wallet, your phone becomes the safest way to complete your transaction.
We know that switching to a digital wallet can feel like a big leap, especially if it’s your first time. But once you walk through the steps, it’s easy—and you only need to do it once.
Here’s how to get started with Apple Pay, Google Pay, or Samsung Pay, depending on your device.
📱 Setting Up Apple Pay (iPhone, Apple Watch)
If you're using an iPhone, the Wallet app you’ll use comes pre-installed on your device. To find it, simply swipe down on your home screen and type “Wallet” into the search bar. The app icon looks like a small stack of colorful cards.
If you accidentally deleted it in the past, no problem. Open the App Store, tap the search bar, and type “Apple Wallet.” You can re-download it for free.
💡 Apple Watch Users: Open the Watch app on your iPhone, scroll to Wallet & Apple Pay, and repeat the steps to add your card directly to your watch.
📱 Setting Up Google Pay (Android Phones)
Android users can find Google Wallet on most newer Android devices. To check if you already have it, swipe up from your home screen and scroll through your apps. You can also search by swiping down and typing “Wallet” or “Google Wallet.”
If you don’t have it, download it for free from the Google Play Store by searching “Google Wallet.”
🔒 To make payments, your device needs to have a screen lock enabled (PIN, fingerprint, or pattern). Google Pay will not work without it.
📱 Setting Up Samsung Pay (Samsung Galaxy Phones)
Samsung users can access Samsung Wallet, previously known as Samsung Pay. This app also comes pre-installed on most Galaxy phones. To find it, swipe up from your home screen and look for “Samsung Wallet” or search for it in the app drawer.
If you don’t see it, go to the Galaxy Store or Google Play Store and download the Samsung Wallet app.
👍 Samsung Wallet works anywhere you see the contactless payment icon or magnetic stripe readers that support MST (for select devices).
Once your wallet is set up, it can become second nature. Whether you're buying groceries, ordering takeout, or shopping online, your digital wallet keeps transactions smooth and secure.
In-Store Payments:
Look for the contactless symbol. Hold your phone near the terminal and approve the transaction using Face ID, fingerprint, or passcode.
Online and In-App Payments:
When shopping online or in apps like DoorDash or Uber, just select your mobile wallet as the payment method. It’s fast, secure, and eliminates the need to type out your card number.
What if I lose my phone?
Your card details are encrypted and protected. No one can use your digital wallet without your face, fingerprint, or passcode. You can also remotely lock or erase your phone using Find My iPhone or Google Find My Device.
Do I still need my physical card?
Yes, it’s a good idea to carry your card as a backup in case your phone battery dies or a merchant doesn’t support contactless payments.
Can I add more than one card?
Definitely. You can add both your Ozark FCU debit and credit cards and switch between them as needed.
When it comes to protecting your money, digital wallets are some of the most secure tools available. They use tokenization, which means your real card number is never stored on your device or shared with the merchant. Instead, each transaction uses a one-time-use encrypted code.
Here’s how your wallet protects you:
With Ozark Federal Credit Union monitoring for fraud and unauthorized activity, you’ll have an extra layer of security built in.
Beyond security, digital wallets are simply convenient. You always have your phone on you—so why not let it help manage your money?
Whether you’re traveling, budgeting, or shopping on-the-go, your mobile wallet:
And the best part? You can get started in under 5 minutes.
If something doesn’t work right away, don’t worry. Most issues are quick to fix.
Try this:
Need help verifying your Ozark FCU card? Give us a call or stop by—we’re happy to assist.
Making the switch to a digital wallet is one of the easiest ways to upgrade your financial routine. It’s fast, secure, and gives you greater control—all while keeping your Ozark Federal Credit Union card just a tap away.
