Welcome to Digital Wallet

Enjoy all the benefits and security of your HFCU VISA® Debit or Credit card with Apple Pay, Google Pay, and Samsung Pay. You’re able to checkout with the ease and convenience at all your favorite participating shops.

Scan to pay phone

Introducing Apple Pay, Google Pay, and Samsung Pay

Now, with Heritage Financial Credit Union’s digital wallet integration, you can now use your phone to make secure purchases anywhere Apple Pay, Google Pay, or Samsung Pay are accepted.

  • Benefits Include:
  • One-touch Checkout
  • No Card Number Entry
  • No need to Type Addresses
  • No Card Information Shared with Merchant

(This is a free service open to all members, however, you must have an active debit card or credit card to participate.)

Setting Up Your Digital Wallet

Step 1

Add your Heritage Financial Credit Union card to your Digital Wallet on your Apple, Google, or Samsung device.


Step 2

Look for the contactless symbol in stores or the wallet’s logo at online checkout

Contactless Icon


Step 3

Hold your phone up to the symbol on the contactless terminal or click and log in with your ID to pay

Apple Pay

Apple Pay is easy and works with the Apple devices you use every day. You can make secure purchases in stores, in apps, and on the web. And you can send and receive money from friends and family right in Messages. Apple Pay is even simpler than using your physical card, and safer too.

Google Pay

Google Pay is the fast, simple way to pay in millions of places – online, in stores, and more. It brings together everything you need at checkout and keeps your information safe and secure. Plus, you can manage your account wherever you want – on the web or in the app.

Samsung Pay

Carry your credit, debit, gift and membership cards on your devices so you can pay in-person, online or in-app with a tap. Just add your Visa card(s) issued by HFCU. Samsung Pay currently supports 1,000+ banks and credit unions, with more on the way.

Digital Wallet FAQ

Digital account numbers can be used for purchases through participating merchant mobile applications on your new Apple, Google, or Samsung devices, at any merchant where contactless payments are accepted.

We are very excited about Apple Pay and what this means to secure mobile payments. We are working with Visa and Apple to quickly bring this service to our cardholders. We will provide more information about availability as soon as possible.

Your payment card information, such as the 16-digit account number found on the front of your card, will be replaced with a digital account number that can be securely stored on your device and used to make purchases. Your credit and debit card numbers are NOT stored on the device, or on Apple servers. This helps to reduce the potential for fraud.

Digital account numbers are used by the merchants accepting your payment, the payment network that processes your transaction, and the financial institution that issues your card.

When shopping in-store, simply activate the payment functionality on your Apple device and hold the device in front of a contactless reader. The digital account information stored on the device will be transmitted directly to that contactless reader.

Digital account numbers will support a seamless payment experience. Please contact us for information on alerts or notifications.

Yes. Whether you use a digital account number or a physical Visa card, you are protected with Visa Zero Liability against fraudulent transactions. Please contact us for more information.

Yes, you are able to easily delete the account from your device. If you delete your digital account you will still be able to continue to make purchases with your physical payment card.

For any new or replacement cards, you will go through the initial set up of providing the basic payments details to add the card to your phone’s wallet. For a card renewal, the new expiration date will be automatically provided from Visa to your phone provider seamlessly, with no action required by you.

Receipts should look the same as they always have. However, in some cases, receipts created from digital account usage may display the last four digits of your digital account which may differ from the last four digits of your physical card.

Call our Member Solutions Center at 845-561-5607.