Inspirus Mobile Banking: Apple Pay

The following are common questions from our members and the answers that normally fulfill the associated need. If you have additional questions, please feel free to contact us directly via phone at 206-628-4010, toll free at 888-628-4010 or via secured message within your digital banking account.

It's another way to pay for purchases at participating merchants and in supported applications using a compatible iPhone, iPad or Apple Watch. At retail locations, you simply hold your Apple device close to the terminal reader for a quick approval. It's also safer to use than your physical card as your card details are never shared during the purchase. The card number is not saved in the device. For additional details go to http://www.apple.com/apple-pay/

The device ID is a 16 digit number assigned to your card and saved on the device in place of your actual card number. The device ID/account number is used to process your purchase and merchants never see your actual card number.

For an iPhone, open the Wallet app then click on the plus sign (upper right hand corner) or "Add Credit or Debit Card." Next, enter your Apple ID password and click OK. Then use your camera to capture your card information. You can also manually type in your card number.

To set up an iPad, go to Settings, then Wallet and Apple Pay. Tap Add Credit or Debit Card and follow the same steps above for the iPhone.

To set up an Apple Watch open the Apple Watch app on your iPhone, select Wallet & Apple Pay and tap on "Add Credit or Debit Card then follow the same steps above for an iPhone.

Yes. Visa has a zero liability which protects you from unauthorized changes made with your debit or credit card. Click on the following links for additional details.

Visa Credit Card Agreement

Electronic Fund Transfer Agreement and Disclosure

If you notice fraudulent charges on your card, contact the credit union immediately at:

Lost/Stolen Debit Card - 1-888-628-4010, 1-303-967-1096 International (Collect)

Lost/Stolen Credit Card - 1-866-820-4927, 1-303-967-1096 International (Collect)

You will be referred to our credit card processor to verify additional information. Our processor is available 24/7 to complete the registration on credit union's behalf. If the representative cannot complete the registration, they will be referred to contact Inspirus Credit Union directly.

Yes, if you are opted in for Premium Coverage which covers everyday debit card and ATM transactions.

For list of participating merchants and apps go to https://www.apple.com/apple-pay/where-to-use/

No. Your card number is not saved on your device nor is it sent to merchants.

Yes. A confirmation email or letter will be sent within 3-5 business days to the email address on file with the credit union.

When you register a card that is associated with your iTunes account, it recognizes the card number and it will ask you to enter the 3 digit (CVV) code on the back of the card.