Mobile Wallets

Using your Home Federal MasterCard® debit card with a mobile wallet is easy, secure, and private. You can pay electronically with your mobile device at many stores, apps, and websites you use every day without ever pulling out your debit card.

An Overview of a Mobile Wallet:

Mobile Wallet

A mobile wallet is an app available on your mobile device that is digitally linked to your Home Federal debit card. Mobile wallets can be used to make payments with your mobile device almost anywhere you shop, just look for the contactless payment symbol!

Note: Not all mobile devices are compatible. Your mobile device must support Near Field Communication (NFC). This is the field used between your device and the payment terminal that is designed to work only across short distances. Your phone will detect the field when used.

The Benefits of a Mobile Wallet:

Your Actual Debit Card Can Stay at Home
As long as you have your mobile device with you and the merchant accepts mobile pay, you don’t need to have your plastic debit card with you.

Quicker Transactions
No swiping, entering card information, etc. Simply hold near the mobile pay reader at the register or select your mobile wallet payment option when paying online.

Improved Transaction Security
Mobile wallets assign a virtual account number to your debit card so – unlike swiping your debit card – your full card details are never shared with the store when you pay.

Reduce Risk of Fraud
Every transaction is authenticated by your fingerprint, iris, or Personal Identification Number (PIN). Plus, your Home Federal MasterCard® comes with Zero Liability coverage for added protection against identity theft.

NOTE: As of April 2019, both personal/retail and business/commercial debit cards are authorized for use with mobile wallets. HSA debit cards will not yet work with mobile wallets.

How to Get Started:

Mobile Wallet

  1. Download/open mobile wallet app.
  2. Register your finger print and PIN
  3. Add your Home Federal debit card information.

How to Make a Purchase:

  1. Look for the contactless payment symbol on the merchant’s terminal.
  2. Open your mobile wallet and select which card you’d like to use.
  3. Hold your mobile device close to the terminal until your device vibrates or beeps.

NOTE: Mobile wallet setups and purchase protocols may vary by app. See specific mobile wallet brand further down the page for full details. Message and data rates may apply.

Mobile wallets are different for each device, depending on the brand of your smart phone or tablet. Use the links below to jump to your specific mobile wallet information. Should you have any questions, please contact Customer Service at 888.489.5355.

Android PayApple PaySamsung Pay

(Does Android, Apple, or Samsung not apply to you? Home Federal currently only offers electronic/mobile pay capabilities with the above three mobile wallets. Not all smart phones and tablets are compatible. Please check back in the future as we add to this list.)

Frequently Asked Questions


A mobile wallet is the replacement of a debit/credit card number or Primary Account Number (PAN / 16-digit card number) with a pseudo number called a “token”, for use in digital payment transactions. Mobile wallets were introduced to provide an additional layer of defense against card fraud by allowing the token to be stored and used in the merchant environment in place of the entire card number (PAN). There are several different types of mobile wallets. Home Federal currently offers the ability to pay with Android Pay, Apple Pay, and Samsung Pay.


Yes, Home Federal Savings Bank debit card numbers are not stored on your device(s) nor are card numbers given to the merchant. A unique “token” is created specifically for that device and expires shortly after the transaction has been approved.


The Retail Classic, Retail Preferred, and Business Debit Card types are Mobile Wallet ready. Currently, Health Savings Account (HSA) debit cards are not compatible.


If you have an Android device: Search for the “Android Pay” app in Google Play and download to your phone. If you have an Apple device: The mobile wallet should be pre-installed on the device; look for app named “Wallet”. If you have a Samsung device: The mobile wallet should be pre-installed on the device; look for app named “Pay”. If it is not on the device search “Samsung Pay” in Google Play.


You will have to enter the following information on their device (your mobile wallet may allow you to take a photo of the card to capture this information more efficiently):

  • Cardholder’s Name
  • Card Number
  • Card Expiration Date
  • Card Security Code

If you are prompted to call and validate your card, you will have to provide the following information to a bank representative as well:

  • 16 Digit Card Number
  • Cardholder Name
  • Cardholder Address
  • Last 4 digits of cardholder’s social security number
  • Recent card transaction (may not be an online purchase or a pending transaction):
    • Date of purchase
    • Merchant name
    • Transaction amount


As soon as you see the message underneath the image of your card, then it is ready to use. If there are no issues, this message should appear within moments of setting up the card.


844.646.5465. This number will automatically display for you in the process of setting up your card.

Android Pay

Android PayAndroid Pay can be used to make fast and easy payments at your fingertips. It is accepted at a variety of grocery stores, retailers, restaurants, pharmacies and other shops. Once you have identified the contactless logo, you will know if the store accepts mobile payments. You can find a list of major stores that accept Android Pay here:

Devices Android Pay does NOT support:

  • Elephone P9000
  • Evo 4G LTE
  • Nexus 7 (2012)
  • Samsung Galaxy Note III
  • Samsung Galaxy S3
  • Samsung Galaxy Light

Get Started:

  • Get the app by downloading Android Pay from Google Play.
  • Open the app, follow the security steps, and add/register your card.
  • You’re ready to make a purchase: open the app, select your card, and hold near the contactless payment symbol at the merchant’s register.

Using Android Pay in stores:

For Android Pay to work, you must have a device that supports Near Field Communication (NFC). You can check for these in the settings app on your device.

To install Android Pay, you need to be in a supported country, and your device must run Google's Android operating system version 4.4 or newer. Also, whenever your phone is unlocked, it can be used to make purchases with Android Pay.

Lost Phone:

If your phone is lost or stolen, you can find, lock, or erase it using Android Device Manager.

Find more information at:

Apple Pay

Apple Pay

Supported Devices:

  • iPhone 6 / 6s / 6 Plus / 6s Plus
  • iPhone 7 / 7 Plus
  • iPhone 8 / 8 Plus
  • iPhone X / XR / XS Max / XS
  • iPhone 11 / 11 Pro Max / 11 Pro
  • iPhone 12 / 12 mini / 12 Pro / 12 Pro Max
  • iPhone 13 / 13 mini / 13 Pro / 13 Pro Max
  • iPhone 14 / 14 Plus / 14 Pro / 14 Pro Max
  • iPhone SE (1st, 2nd, & 3rd Gen)
  • iPad Air 2 / 3 / 4 / 5 / 6
  • iPad mini 3 / 4 / 5 / 6
  • iPad Pro models

You are able to add a debit card to Apple Pay. All information you enter is encrypted and sent to Apple servers. This information is then used by Apple to determine whether to approve adding your card in order to protect you against fraud.

Apple does not have access to or store any of your debit card numbers added to Apple Pay. They will only store a portion of your actual card numbers and device numbers to help add and manage your cards across different devices.

Get Started:

To get started with Apple Pay, you will need:

  • Your eligible device
  • Your Home Federal debit card
  • The latest version of iOS, watch OS, or macOS
  • An Apple ID signed into iCloud

For step-by-step instructions per device, click here.

Using Apple Pay in stores:

When making purchases in-store, your Apple Pay uses Near Field Communication (NFC). This field is used between your device and the payment terminal that is designed to work only across short distances. Your phone will detect the field when used.

In order for you to send your payment information, you have to use Touch ID or your passcode as a safety precaution. Home Federal is able to verify your payment information by checking the dynamic security code when you make a transaction to ensure it is tied to your device. Your debit card number will not be sent by Apple or your device until your bank has verified the information.

Lost Phone:

In the case of a misplaced or presumably stolen phone, you can call Home Federal and suspend or remove your credit, debit, or prepaid cards from Apple Pay. If you have Find My iPhone, you can suspend Apple Pay just by putting your device in Lost Mode.

Find more information at:

Samsung Pay

Samsung Pay is accepted almost any store you choose to swipe your card.

Supported Devices:

  • Galaxy A30s / A31 / A32
  • Galaxy A5 (2016) / A5 (2017)
  • Galaxy A50s / A51 / A52
  • Galaxy A7 (2016) / A7 (2017)
  • Galaxy A70 / A70s / A71 / A72
  • Galaxy A8+ (2018)
  • Galaxy A80
  • Galaxy A9 Pro
  • Galaxy F62
  • Galaxy Fold
  • Galaxy M42 5G
  • Galaxy Note 10 / Note 10 Lite / Note 10+ / Note5 / Note8 / Note9 / Note20 / Note20 Ultra / Note20 Ultra 5G
  • Galaxy S10 / S10 Lite / S10+ / S10e
  • Galaxy S20 / S20 FE / S20 FE 5G / S20 Ultra / S20+
  • Galaxy S21 5G / S21 Ultra 5G / S21+ 5G
  • Galaxy S6 / S6 Edge / S6 Edge+
  • Galaxy S7 / S7 Edge
  • Galaxy S8 / S8+
  • Galaxy S9 / S9+
  • Galaxy Z Flip
  • Galaxy Z Fold2 5G

Get Started:

  1. Open the Pay app and sign in to your Samsung account.
  2. To set up your security, scan your fingerprint or iris and enter a PIN to authenticate future purchases using Samsung Pay.
  3. Register your cards by snapping a picture of your card and providing your signature where necessary. Your cards will be securely backed up and stored within your Samsung Account.
  4. You’re ready to make a purchase: open the app, select your card, and hold near the contactless payment symbol at the merchant’s register.

Using Samsung Pay in stores:

It is important to note that you can make payments on your device with a Samsung approved case. Any third-party cases may interfere and cause issues with payments. To make payments make sure your device uses Near Field Communication (NFC) for compatibility with payment devices.

Lost Phone:

If your device is over lost or stolen, your payment information will not be accessible without your fingerprint or Samsung Pay PIN. You can locate your phone by navigating to and signing in with your account information.

Find more information at:

Should you have any issues with your mobile wallet on your compatible device, please call Customer Service at 888.489.5355.


Android Pay is compatible with NFC- and HCE-enabled devices running KitKat 4.4 and above. Android, Android Pay and the Android Logo are trademarks of Google Inc.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.

Samsung Pay is available on select Samsung devices. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung electronics co., Ltd.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.