Mobile Wallet FAQs.

You can set up Apple Pay on your eligible iPhone, iPad, Apple Watch and Mac devices. Please see Apple's compatible devices to ensure your device is eligible.

1. Open Apple's Wallet app on your device.
2. Take a picture of your debit card within the wallet app or type your debit card number in manually.
   • This picture utilizes your camera to identify the card information but it is not stored in your Photos on the device or with Apple.
3. Enter your 3-digit security code from the back of your debit card.
4. Confirm card and accept Schwab Bank user Terms & Conditions

With Apple Pay, instead of using your actual debit card number when you add your card, a unique device account number is assigned, encrypted, and securely stored in your device. This number is never stored on Apple servers.

It is possible that you may need to provide further information in order to authenticate your card and device to enroll. If additional authentication is required, you will be provided with the option to receive a one-time passcode to be sent via text message or email to your mobile phone number or email that Schwab has on file. You will also have the option to call Schwab Bank to provide the additional verification information.

To set up your Schwab Bank debit card on your Apple Watch, just open the Apple Watch app on your iPhone and select the “Wallet & Apple Pay” option. Tap “Add a Credit or Debit Card.” If your Schwab Bank debit card is associated with your iTunes® account, simply enter the security code. If it's not your iTunes card, use camera within the Wallet app on your iPhone to capture your card information. You can also type it in manually. Make sure to enter the correct card expiration date.

Hold your phone or Apple Watch near a participating retailer's card reader or double click the home button to get cards ready from the lock screen (if enabled in your Wallet & Apple Pay settings). Your Schwab Bank debit card will appear on your screen. To pay with your phone, just place your finger on Touch ID™ until you see Done and checkmark on the Wallet display. To pay with your Apple Watch, hold the display of the Apple Watch up to the reader until you feel a tap. To pay with Face ID double-click the side button, then glance at your iPhone to authenticate with Face ID, or enter your passcode. Hold the top of your iPhone within a few centimeters of the contactless reader until you see Done and a checkmark on the display.

You can use your eligible iPhone, iPad, and Apple Watch to use Apple Pay within mobile applications where available. If you see the checkout buttons below, Apple Pay is eligible for the app you are using. Tap the button and confirm your billing, shipping and contact information to ensure that it is correct. Enter any information that needs to be updated for the purchase. If you are using an iPhone or iPad, place your finger on Touch ID™ to complete as you would in a store. If you are using an Apple Watch, double click the side button. Once the payment is complete, you will see Done and a checkmark. To pay with Face ID double-click the side button, then glance at your iPhone to authenticate with Face ID, or enter your passcode.

Safari website on your iPhone or iPad

• Click the same button that appears in a mobile app
• Check you shipping, billing an contact information and change as necessary
• Make your purchase and place finger on the Touch ID™

Safari website on your MacBook Pro with Touch ID

• Click the same button that appears in a mobile app
• Check you shipping, billing an contact information and change as necessary
• Follow Touch Bar™ prompts and place your finger on the Touch ID™ - if your Touch ID™ is turned off, tap the Apple Pay icon on the Touch Bar™ and follow the screen prompts

Safari website on other Macs

• Sign into the same iCloud account on your iPhone, iPad, Mac or Apple Watch
• Turn on your Mac Bluetooth
• Click the same button that appears in a mobile app
• Check you shipping, billing an contact information and change as necessary
• To make a purchase on your iPhone, place your finger on the Touch ID™ or on an Apple Watch, double click the side button

All types of merchants from grocery stores and restaurants to gas stations, retail stores, online and mobile merchants —accept Apple Pay. See a sample of retailers that accept Apple Pay.

Look for the contactless symbol and/or the Apple Pay logo on the retailer's card reader or elsewhere in the store to make a purchase with Apple Pay.

No. Schwab Bank does not charge a fee to use Apple Pay.

Apple Wallet may prompt you for additional security information when you add your debit card. This may include a one-time password sent to your mobile phone number or email address on file with Schwab. You will also have the option to call Schwab for additional authentication if preferred. Once this is verified, you can start using Apple Pay.

If you have the Find My iPhone app enabled on your lost device, sign in to icloud.com/find on a Mac, PC or use the Find My iPhone app on another iPhone, iPad, or iPod device. Use this to find your device and put your phone in Lost Mode. Then you can lock or erase your phone, which will suspend Apple Pay. If you don't have the app enabled on your lost device, call Schwab Bank at 877-208-4216 to cancel your debit card immediately. This will delete your debit card from Apple Pay.

Call Schwab Bank at 877-208-4216 and we'll cancel your debit card immediately. You should remove the card from the Apple Wallet. After you receive your replacement debit card, you'll need to add it to Apple Pay.

Apple Pay is a secure way to pay because it uses a unique token/code to make each purchase. Merchants never see your debit card number, and none of your payment details are stored on Apple Pay. Learn more about Apple Pay safety features.

Go into your Apple Wallet and click on your card. Click on the info icon at the lower right of the Wallet. This will show the card details in your wallet. Scroll to the bottom of the screen and click Remove Card. Confirm remove card and your card will be deleted from the Apple Wallet and no longer be used for Apple Pay.

Visit Apple for more details.

Call Schwab Bank at 877-208-4216 and we'll be glad to help.

You can set up Samsung Pay on your eligible Samsung devices. It may be necessary for you to update your Samsung device software. Check if your device is compatible here.

1. Open Samsung Pay on your device or download the app from the Google Play Store.
   1. You may need to have an operating system update to your Samsung device in order to utilize Samsung Pay
2. Scan your fingerprint or iris and enter a PIN for future purchase authentication.
3. Take a picture of your debit card within the Samsung Pay app or type your debit card number in manually.
   1. This picture utilizes your camera to identify the card information but it is not stored in your Photos on the device or with Google.
4. Enter your 3-digit security code from the back of your debit card.
5. Confirm card and accept Schwab Bank user Terms & Conditions

With Samsung Pay, instead of using your actual debit card number when you add your card, a unique device account number is assigned. Your personal and payment information is not stored on a Samsung server or on your phone. Samsung Pay does not change the way your payment information is stored or handled when purchases are made. A transaction specific token is used to replace your card number is stored temporarily on your phone for the time it takes to process your transaction.

It is possible that you may need to provide further information in order to authenticate your card and device to enroll. If additional authentication is required, you will be provided with the option to receive a one-time passcode to be sent via text message or email to your mobile phone number or email that Schwab has on file. You will also have the option to call Schwab Bank to provide the additional verification information.

To set up your Schwab Bank debit card on your Samsung Gear watch, open the Samsung Pay app on your Samsung Wear device and select the “Get Started”. If you have not already set up screen lock, set up at this time. On you Samsung phone, follow the instructions to add your debit card (this will only add a card to the Samsung Pay app on your watch. The card you added should now show up on your Samsung Wear device.

You can use your Samsung device enabled with Samsung Pay at any point of sale reader that is contactless or ‘swipe' type of terminal. If the terminal is a contactless reader, your Samsung device will default to the contactless method of communication. There are two modes for payments depending on the enablement of Simple Pay enabled on a Samsung device. To manage your Simple Pay settings, from the home screen touch Apps, click Samsung Pay, click More, Settings and click Edit Simple Pay.

Simple Pay enabled:

1. Access the Samsung Pay app (swipe up from the bottom of the screen on the device)
2. Select payment card from the card carousel if more than one card has been added
3. Tap or place device in proximity of the point of sale terminal
4. Use your fingerprint or your Samsung Pay PIN to initiate payment
   1. Please note, this PIN is not the same as your Schwab Bank debit card PIN but rather a PIN set for your Samsung device specifically

Simple Pay not enabled:

1. Unlock your Samsung device
2. Access the Samsung Pay application
3. Select your Schwab Band debit card
4. Use your fingerprint or Samsung Pay PIN to initiate payment
   1. Please note, this PIN is not the same as your Schwab Bank debit card PIN but rather a PIN set for your Samsung device specifically

You can use your eligible Samsung device to use Samsung Pay within mobile applications when supported by the retailer's app. You will see a ‘Samsung Pay' button that you will select and be transferred to the Samsung Pay app on your device to select your Schwab Bank debit card. Verify your billing address, verify/change your shipping address, and authorize the payment with your fingerprint, iris scan or enter your Samsung Pay PIN. At this time the ‘Samsung Pay' button for website purchases are not available.

All point of sale devices that utilize magnetic strip (swipe terminals) and/or contactless (NFC) functionality can be used by Samsung phones. Samsung Gear watches only work at terminals that are contactless support NFC (near field communications) at this time. Samsung phones utilize a technology called Magnetic Secure Transmission (MST) that is able to communicate with older terminals via a magnetic signal that mimics the magnetic strip on a traditional payment card. This technology also utilizes the unique token or mobile account number so this is just as safe as utilizing the contactless functionality for purchases at retail stores.

Any merchant with either a point of sale terminal that accepts a traditional swipe transaction and/or a contactless reader can accept Samsung Pay. See a sample of retailers that accept Samsung Pay.

No. Schwab Bank does not charge a fee to use Samsung Pay.

Samsung Pay may prompt you for additional security information when you add your debit card. This may include a one-time password sent to your mobile phone number or email address on file with Schwab. You will also have the option to call Schwab for additional authentication if preferred. Once this is verified, you can start using Samsung Pay.

Samsung Pay will not be accessible on your device without your fingerprint or Samsung Pay PIN.

However, you can utilize the Samsung service Find My Mobile to erase or lock your Schwab Bank debit card enrolled in Samsung Pay. You can erase the entire device or choose to lock Samsung Pay using the service. If you have not already contacted Schwab Bank, Samsung Pay may also request Schwab Bank to suspend transactions made from the card on your Samsung device. If you are able to locate your device, you can unlock your card with your fingerprint of by entering your Samsung Pay PIN.

Call Schwab Bank at 877-208-4216 and we'll cancel your debit card immediately. You should remove the card from the Samsung Pay. After you receive your replacement debit card, you'll need to add it to Samsung Pay.

Samsung Pay is a secure way to pay because it uses a unique token/code to make each purchase. Merchants never see your debit card number, and none of your payment details are stored on Samsung Pay.

Open the Samsung Pay app. Tap credit/debit. Touch the card you would like to have removed. Click ‘View More' and then ‘Delete card'. Select the reason on why you would like to remove the card, then touch ‘Delete. To remove the card, click ‘Delete' one last time. This will remove the payment information including the mobile account number from your Samsung device.

No, Google Wallet is a method to transfer money person to person that is offered by Google. Google Wallet cannot be used to make purchases in stores or mobile apps like Samsung Pay.

Visit Samsung Pay for more details or Samsung Pay Help.

Call Schwab Bank at 877-208-4216 and we'll be glad to help.