Maryland Heights

1805 Craigshire Road
Maryland Heights, MO 63146

Wildwood

16500 Manchester Road
Wildwood, MO 63040

Manchester (Lafayette Center)

407 Lafayette Center Road
Manchester, MO 63011

South County (Tesson Ferry)

12400 Tesson Ferry Road
St. Louis, MO 63128

CU Service Centers No-Fee ATMs

Apple Pay

What is Apple Pay? 

Apple Pay™ allows you to pay for your purchases with your supported Apple device by holding your device near a contactless reader at participating merchants.  This provides an added level of convenience for ESCU members with Apple Devices and would like to use a method of payment other than cash, card, check, etc.

How do I add my cards to Apple Pay?

On iPhone 6, iPad Air 2 or iPad mini 3, access the Settings app, scroll down to Passbook® & Apple Pay, then enter your cards by tapping “Add Credit or Debit Card.” You can then use your device’s camera to enter your card or type the information in manually.

When I add my card to Apple Pay it doesn’t look like the card in my wallet. Why?

Apple Pay uses a graphical representation, not an exact replica of your card.

When I use the camera to add the card, the card details are not showing correctly. What do I do?

In the event your phone cannot capture your card detail through your camera, proceed with entering in all of the required fields manually. This will also process and add your card normally into Apple Pay.

How do I change my default card to my card?

The credit or debit card associated with your iTunes® account or the first card you add to Passbook is your default card. To change your default card:

  1. Go to Settings > Passbook & Apple Pay
  2. Tap Default Card
  3. Choose a new card

How do I pay with a card other than my default card?

  1. Position your iPhone close to the contactless reader without placing your finger on Touch ID™.
  2. After your iPhone wakes up, your default card will appear on your screen.
  3. Tap your default card to display a list of available cards, and then tap the card you want to use.
  4. Position your finger on the Touch ID sensor, and hold your iPhone close to the reader to complete your transaction. Some stores may also ask you to sign a receipt, depending on the transaction amount.

Are my payments safe with Apple Pay?

Yes. When you use Apple Pay, your card number isn’t stored on your phone or given to the merchant. A unique digital code is created specifically for that device. You still enjoy all the benefits of your credit or debit card, which includes our Zero Liability policy that protects you from unauthorized purchases.

How are my privacy and personal information protected?

Since Apple Pay does not store your credit or debit card number on the device, you never reveal your name, card number or security code to merchants.

Am I able to opt out of Apple Pay at any time?

Adding your credit or debit cards to Apple Pay is your choice; you can add and remove cards when needed. To remove a card, go to Apple Pay, tap on the card, tap the “i”, then tap Remove card.