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Apple Pay®

  1. Apple Pay is a payments feature integrated into the Wallet® app on your iOS device that lets you add your bankHometown Debit Card to Apple Pay to make purchases at participating retailers in stores, using Near Field Communication (NFC) technology, or in app.

  2. To add your bankHometown Debit Card to Apple Pay, follow the Apple Pay Instructions. Apple Pay provides the same benefits as your physical card, with the convenience of making secure transactions on your iOS device. Use Apple Pay anywhere contactless payments are accepted and to make purchases in app with participating apps.

  3. Near Field Communication (NFC) is a short-range wireless technology that allows two devices to exchange payment information quickly and conveniently at close proximity. Apple Pay uses NFC technology to transmit payment information from your phone to the contactless payment terminal.

  4. Apple Pay is available in stores that accept contactless payments. Click here to view participating retailers. You can also identify if a merchant accepts contactless payments by looking for at least one of these Apple Pay and NFC Logos symbols in the store:

    You can also use Apple Pay to make purchases through participating applicants on your device. View featured Apple Pay Apps.

  5. Apple Pay is integrated into the Wallet app, which comes pre-installed on your eligible iPhone 6 or newer device, for a full list of eligible devices click here. You will be given an opportunity to configure Apple Pay upon setup of your device.

    Please note, Apple Pay on the Apple Watch will not be set up through Wallet. You can load your bankHometown Debit Card to the Apple Watch app on the paired iPhone. An alert will be displayed on the watch upon card activation.

  6. Add your card to Apple Pay in three simple steps.

    iPhone or iPad

    • Open the Wallet app
    • Tap the plus sign in the upper right corner
    • Add your bankHometown Debit Card by using the iSight camera to instantly capture your card details or by entering them manually.

    Apple Watch

    • Open the Apple Watch app on your iPhone
    • Tap "Wallet & Apple Pay” and select "Add a Credit or Debit Card"

    Add your bankHometown Debit Card by using the iSight camera to instantly capture your card details or by entering them manually.

    Customer may be prompted to call their banking institution to have Apple Pay activated on their debit card.

  7. The first card you add to Apple Pay automatically becomes your default payment card. To change your default card, go to "Settings" on your supported iPhone and select "Wallet & Apple Pay." From there, you will be able to choose your default card.

  8. If you need additional support with adding your bankHometown debit card to Apple Pay, please contact Customer Care at 888.307.5887.

  9. In-Store Purchase

    To make an in-store purchase simply hold your device near the contactless reader after entering your Passcode or your biometric ID in Apple Pay. A subtle vibration and beep will confirm the transaction is complete.

    To make an in-store purchase with your Apple Watch, double-click the side button and hold the face of your device near the contactless reader. A gentle pulse and tone confirm that the transaction is complete.

    In-App Purchase

    To make a purchase in-app select Apple Pay as the payment option in the app and enter your passcode or biometric ID to complete.

  10. There is no cost to use Apple Pay with your bankHometown debit card. However, an active data plan with a mobile carrier is required. Based on your wireless plan and mobile carrier’s offering, additional data charges may apply.

  11. Yes. You can continue to use your plastic card as you usually would after you have added it to Apple Pay.

  12. You will receive a notification on your phone if your transaction was successfully paid.

  13. You may need to sign a receipt, depending on the merchant.

  14. You can make a return by contacting the merchant directly, as you would with any payment made via your plastic card. When making a return, we recommend that you bring your receipt and the device used for the purchase.

  15. Different merchants have different return policies, and some only accept the return if you have the method of the payment you used for the initial purchase.

  16. Apple Pay is locked when the device is locked.  A device passcode or biometric ID is required per transaction in order to use Apple Pay.

  17. A device account number (token) is a substitute account number that replaces your card number and is used to make secure purchases in stores and in app. A device account number will not work outside of the secure payment environment.

  18. If you replace or update your device, you will need to add your card(s) again to Wallet as new Apple Pay setup.

  19. If your device is lost or stolen, you can suspend Apple Pay by using the “Find my iPhone” app or visiting and selecting the option for “Lost Mode.” You will also be given the option to “Erase All” on This will delete all cards from Apple Pay and the Secure Element. If in doubt regarding the status of your bankHometown Debit Card in Apple Pay, please contact Customer Care at 888.307.5887 and we’ll assist you with suspending your cards in Apple Pay, allowing you to continue to use your plastic cards. If you find your phone, you can unsuspend Apple Pay by following the prompts on your phone or via "Find my iPhone” app.

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