![a lady holding a phone to pay for her book](/assets/files/BW72iu7h/yong-woman-hold-smartphone-for-payment-at-shop-female-using-technology-for-money-transfer.jpg_s=1024x1024&w=is&k=20&c=Q_lkXr9WCKLV_xED6il9z-Xv-C6r23nR7GV7QJDYBwI=.jpg)
![a lady holding a phone to pay for her book](/assets/files/BW72iu7h/yong-woman-hold-smartphone-for-payment-at-shop-female-using-technology-for-money-transfer.jpg_s=1024x1024&w=is&k=20&c=Q_lkXr9WCKLV_xED6il9z-Xv-C6r23nR7GV7QJDYBwI=.jpg)
Bank from anywhere
Use your smartphone for tap to pay with the Google Pay or Apple Pay Wallets.
No matter how you choose to stop, your digital wallet makes it even easier to pay with your Citizens State Bank Bank Card. Enjoy a new secure way to pay - in-person, in-app or online.
What is mobile wallet?
A mobile wallet is pretty much exactly what it sounds like: a “wallet” that lives on your mobile device instead of in your back pocket. Instead of using your physical plastic card to make purchases, a mobile wallet allows you to pay with your smartphone, tablet, or smartwatch in stores, in apps, or on the web.
So, why might you want one? Because it provides a convenient way to pay for goods and services with your smartphone, smartwatch or another compatible device, like a tablet.
It can manage all your credit cards, loyalty club memberships and reward cards, and it may help to reduce fraud, too, as mobile wallets are generally harder to steal or copy than physical cards and cash.
Why should I use mobile wallet?
Convenience - leave your bulky wallet full of cards at home. All you need is your phone.
Speed - don't wait for someone to count your change or a machine to process your card. Just tap & go.
Security - encryption, tokenization, and two-step authentication. Big words that keep your information safe.
Speed - don't wait for someone to count your change or a machine to process your card. Just tap & go.
Security - encryption, tokenization, and two-step authentication. Big words that keep your information safe.
How does mobile wallet work?
- Start by downloading the Apple Pay or Google Pay wallet app.
- Then, load the card information you want to store, from debit & credit cards to loyalty cards and coupons.
- When you want to make a purchase open your wallet app, choose your card & tap your phone on a digital payment-enabled terminal at participating merchants.
- Some retailers may required a PIN, this PIN is the same PIN that you use at ATM’s for cash.
Where can I use mobile wallet?
Many national and large retailers offer updated payment-processing terminals that accept mobile wallets. Wallets that are accepted are usually posted by the checkout.
Is it secure?
People often assume the safety of digital wallets lies in not having to carry around a physical wallet. If your wallet is lost or stolen, thieves can easily use your cash and credit cards. If your phone is stolen, accessing your mobile wallet is much more difficult. However, digital wallets are also safer when you're shopping online due to the tokenization process.
In this sense, they're a world apart from the way most people pay for products online. All the information you'd usually type into a merchant's webpage -- your credit card number, expiration date, and security code -- is encrypted in the form of a token before it's sent off. The token can't be read or used by anyone but the final payment processor, so shady online retailers and hackers have no way of accessing your credit card information.
Two-factor authentication - The biggest security concern is losing your phone or having it stolen. That’s why it’s smart to use a PIN or a fingerprint to unlock your phone.
Tokenization - Mobile wallets replace your actual card number with a unique randomized set of numbers (called a token) for each transaction. This means businesses do not see or store your card number.
- Information that you upload to a mobile wallet gets encrypted, making it harder for hackers to access your information.
Transaction protection - Pay confidently from your phone knowing that the same fraud protection your bank gives your credit and debit card carries over your mobile wallet.
![Man using a laptop](/assets/files/YzElASvr/wide-personal-online-1600x665.jpg)
Banking on your time.
Get access to your finances whenever you are available, to view transactions, make a transfer, pay bills, and much more!