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Mobile Wallet FAQs


Can I set my Waukesha State Bank card as my default card to pay?
Yes. Depending on the mobile wallet app, you can click on the appropriate card or go to the mobile wallet settings and look for something that says "make default." Visit your mobile wallet app's support page for details.
 
Can I use a card other than my default card to make a purchase?
Yes. In most cases you can simply open the mobile wallet app and swipe through the cards until you find the one you wish to use. Visit your mobile wallet app's support page for details.
 
Why am I being prompted to call my bank for verification?
For security purposes, you may be asked to call the bank if we need more information in order to verify your card. If you are unable to activate your Waukesha State Bank card, please contact us to help you add your card to the mobile wallet app.
 
How is my information protected when using a mobile wallet?
Mobile wallets are safer than using a plastic credit, debit, or prepaid card. Every transaction* on your device requires you to authenticate with a security feature, such as Face ID, Touch ID, your passcode or fingerprint. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device.

When you pay in stores, neither the mobile wallet provider nor your device sends your actual card numbers to merchants. When you pay within apps and on the web, the merchant will only receive information like name, email address, billing and shipping addresses that you authorize to share to fulfill your order. Some mobile wallet providers may retain anonymous transaction information, such as approximate purchase amount. Apps that use mobile wallets must have a privacy policy that you can view, which governs the use of your data.

For more information, read your mobile wallet provider's policies, terms and conditions.
 
* Google Pay allows users to make small transactions without unlocking their phone.

Are my mobile wallet purchases covered by fraud protection?
Yes, all transactions made with your debit card are covered by Mastercard® and all transactions made with your credit card are covered by Visa®, including those made through mobile wallets.

Will I be able to see my transactions on my phone?
Yes. Depending on the mobile wallet, you can see transactions on the home screen, tap your card to display your transactions, or tap the information icon or transactions tab.

You may see only transactions made from your device, or all transactions made from your debit or credit card, including all mobile wallet devices and your plastic card. You may also see only an initial authorization amount. Always refer to your account or card statement for final transaction details, or contact our Customer Service Center at (262) 549-8500.

What if I need to return an item?
If you need to make a return for a purchase made with a mobile wallet, you may be asked to provide the cashier with the last four digits of your virtual or device account number, instead of the last few digits of your card number. This number can usually be found on the card details screen or in the settings of the mobile wallet app.

The return process varies by merchant. You may need to present a receipt from the merchant to return the item or hold your mobile wallet enabled device over the contactless payment terminal and wait for the confirmation that the refund has been processed, just as if you were making a purchase.

Is there a fee or charge for using Mobile Wallets?
Waukesha State Bank does not charge a fee for using mobile wallets. Please check your provider's Terms and Conditions for additional information.

If I receive a new debit or credit card, do I need to add it to my mobile wallet?
Yes, if your card number or expiration date has changed you will need to add the card to your phone just like you would any new card. Please delete the old card from the mobile wallet app.

What happens if I replace, update, or lose my device?
In most cases, if you replace or update your device, your Waukesha State Bank debit and/or credit card(s) will not be transferred automatically. You will need to set up the mobile wallet again and add your cards on the new device.

If your device is ever lost or stolen, call us immediately at (262) 549-8500. Apple Pay users can then go to www.icloud.com/settings on the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline. Google Pay users can find, lock, or erase your phone using Find My Device. Samsung Pay users can go to Find My Mobile service to remotely lock or erase your payment cards.

Since these mobile wallets don't store your actual card details on your phone, anyone who finds or steals your phone won't be able to access that information, even if it's unlocked. That means you can continue to make purchases using your physical card even when the virtual or digital number is suspended or removed.

Why does my card image in the mobile wallet look different from my physical card?
Your card image is only a digital representation of your physical card and may not be an exact copy.

Can I add my Waukesha State Bank debit and credit card(s) to multiple devices?
Yes, you can add your card to multiple devices.

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