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Digital Wallet

Add your debit card or credit card to your digital wallet. Make safe and secure purchases online or on the go.

What is a digital wallet?

A digital wallet securely stores payment information from your First State Bank of St. Charles Visa® debit card or credit card on your smartphone or tablet. You can make purchases in a store or restaurant with just a tap, using a card in your digital wallet. Or, you can use it to shop online. Bottom line: You get easier access to loyalty programs and the convenience of single-touch payments.

Advantages of a digital wallet:

Check out faster with one tap. Encrypt and secure your financial information to protect against fraud. Make contactless payments without your debit or credit card.

  • Fast
  • Secure
  • No card needed

How do digital wallets work?

To start, you’ll need to open a checking account. Once you have an account, you can apply for a debit card or credit card and add your cards to your device’s digital wallet app.

Once you save your card information, you can use your debit or credit card or select a payment method like Zelle® to make a purchase. Money will be transferred instantly, and you can use your digital wallet almost anywhere you can use debit or credit cards.

Want to keep track of your spending habits and monitor your credit score? Use the My Credit Score credit reporting tools available in the First State Bank of St. Charles app.

6 ways to keep your digital wallet secure

  1. Secure your digital device and app with a PIN, password, and facial recognition or fingerprint to prevent unwanted financial activity.
  2. Use caution when sending money to individuals or businesses. Send money only to those you know and trust.
  3. Monitor your digital wallet transactions regularly within digital banking. Review your payment history daily to identify any declined or suspicious transactions immediately. Set up alerts to avoid potential fraud.
  4. Since digital wallet funds are not insured, move any funds you receive to your First State Bank of St. Charles FDIC-insured account immediately.
  5. Avoid linking your digital wallet app to any social media platform.
  6. Avoid using unsecured Wi-Fi networks, and do not activate your digital wallet while connected to one.

If you ever suspect fraudulent activity on any First State Bank of St. Charles account, please call our Customer Care Team at 636-940-5555.

How to set up your digital wallet

It’s easy to add your debit or credit card to your digital wallet. For detailed instructions, Apple users visit Apple Wallet® and Android users visit Google Wallet.®

Frequently Asked Questions

A few common questions, answered.

You can think of a digital wallet app as a digital version of your wallet. Designed to work with your mobile device, it securely stores a digital version of your debit or credit card. For example, Apple devices use the Apple Pay® wallet app, while Android devices use the Google Wallet® app. First State Bank of St. Charles debit cards work with Apple Pay® and Google Wallet® but not Samsung Pay®. First State Bank credit cards work with all three digital wallet apps including, Apple Pay.® Google Wallet® and Samsung Pay.®
Digital wallets, sometimes called e-wallets, provide you with a convenient way to pay for goods and services online without using a physical payment card. In a digital wallet, you can store all your payment details, which makes online shopping a much faster and more efficient experience. Plus, with a digital wallet, you’ll enjoy numerous security benefits. You can easily keep track of all your payments, and your details are safely stored, so you never need to worry about sharing confidential information online. Digital wallets are a great solution for anyone who does a lot of shopping and payments online, as it saves time and provides you with greater security.
The answer is a resounding yes! Digital wallets, such as Apple Wallet® and Google Wallet®, are designed to store multiple cards, including credit cards, debit cards, loyalty cards and even boarding passes, all in one convenient location. Digital wallets are more secure than traditional physical wallets and eliminate the need to carry numerous cards that could get into the wrong hands.
When you add your card to a digital wallet, like Apple Wallet® or Google Wallet,® the information is encrypted and stored securely on your mobile device, ensuring sensitive card information is not exposed to any potential threats. When making a transaction using the digital wallet, you must authenticate your identity through a passcode, fingerprint or facial recognition. This authentication process adds a layer of security, preventing unauthorized access to your card details. Once authenticated, the digital wallet transmits a unique, encrypted token to the payment terminal or online merchant rather than the actual card information. This token acts as a stand-in for the card details, ensuring that your personal information remains secure.

You will use either the Apple Wallet® or Google Wallet® app, depending on your device type.

The Apple Wallet® app is exclusively available to Apple device owners and digitally stores their credit or debit cards. Apple Pay® functionality is built into Apple Wallet,® so there’s only one app to use when making purchases online or in stores.

Similarly, Google Wallet® is the favored app Android device users will need to store their digital credit and debit cards. Google Wallet® allows you to pay everywhere Google Wallet® is accepted.

While the Google Pay® app used to be an Android user’s digital wallet app, it’s now primarily used to help manage finances. It also allows you to send money to personal contacts.

Disclosures

Copyright © 2025. All rights reserved. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.