A mobile wallet is a game changer. When you free yourself from relying on your physical debit and credit cards, you can take advantage of a faster, more secure way to pay.
A mobile wallet (also called digital wallet) is an app that securely stores payment information from your PSECU debit and credit cards so that you can tap to pay in person and pay for online purchases without entering your card information. Depending on your device, your preferred wallet app may already be installed or may need to be downloaded.
In this post, we’re focusing on the top five reasons you should set up your mobile wallet. When doing so, please refer to your device’s Apple Pay®, Google Pay™ or Samsung Pay® support pages for instructions, or quickly add your cards through our mobile app:
- Log into the app and navigate to Manage Cards.
- Select the PSECU card you’d like to add, then Add to Wallet, and follow the setup prompts.
1. Reduce the Risk of Lost and Stolen Cards
Once your cards are added to your mobile wallet, you won’t always need to carry the physical cards with you. That means fewer chances of losing your card or wallet or having your card information fall into the wrong hands.
Many major retailers and small businesses accept tap to pay - just look for the contactless-payment symbol at checkout. Acceptance can vary, so you may still want to keep your physical card available as a backup.
2. Pay Securely
Mobile wallet payments don’t reveal your debit or credit card numbers to the merchant. Instead, transactions are encrypted, tokenized, or both, which means the transaction data is useless to a hacker. This keeps your card details safe and explains why you may see a different number on your receipt or transaction history.
That different number generally won’t prevent you from making a return. Refunds are typically sent back to the card used for the purchase, so depending on the retailer, you may be asked to tap the same device or provide the last four digits of the digital card number found in your wallet app.
3. Save Time at Checkout
At participating retailers, mobile wallet can help you move through checkout without digging through your wallet for the right card. Simply authenticate your device, hold it near the contactless reader, and follow the prompts. With just a few taps, your transactions will be completed, and you’ll be on your way.
4. Pay Online Quicker and More Easily
When the retailer allows it, paying with your mobile wallet saves you from typing in your card number and shipping information. Not only that, but if you don’t enter your number at that retailer’s site, that’s one less place it’s stored.
5. Keep Your Card Benefits Close
Some mobile wallet apps offer promotions or discounts to encourage use. And when you pair your mobile wallet with the right card, you can make everyday purchases even more rewarding.
Classic Card
Tap to pay with a card featuring a super low 9.9% purchase APR1. New Classic Cardholders can also get 0% Intro APR2 for up to 12 months on purchases made during the first three months. The card must be opened, and first purchase must be posted, by September 30, 2026.
Fun fact: Classic Card’s 9.9% purchase APR could save you hundreds on interest in just a few months3!
Founder’s Rewards Card
Make purchases even more rewarding with 2% or 1.5% cash rewards on every purchase4.
Fun fact: In 2025, active Founder’s Rewards Card users earned an average of $382.75 in rewards!
Mobile wallet is a simple way to make everyday payments faster, safer, and more convenient. When paired with our digital banking tools, it gives you greater control over how – and how often – you use your cards.
Whether paying in-store, online, or on the go, mobile wallet helps make managing your money just a little easier.
Apple®, the Apple logo, App Store® and Apple Pay® are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay™, Google Play logo, and Google Play™ store are trademarks of Google Inc. Samsung Pay® is a trademark of Samsung Electronics Co. Ltd.
1 APR denotes Annual Percentage Rate. Rates, terms, and conditions are subject to change. Please see the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Credit Card Account Opening Disclosure and the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure for full terms and conditions.
2
PSECU Visa® Classic Card/Visa® Alumni Classic Card/Secured Visa® - Introductory APR Offer: APR denotes Annual Percentage Rate. PSECU is offering an introductory rate of
0.00%
APR for purchases made with newly acquired Visa® Classic Card, Visa® Alumni Classic Card, and Secured Visa® credit cards opened by members between July 1, 2026 and September 30, 2026. To activate the introductory rate, your first purchase must post to your account by September 30, 2026. Once activated, you will have 3 months from the date your first purchase posts to your account to make additional purchases at
0.00%
APR. This is referred to as the “Purchase Window”. To be eligible for the
0.00%
APR, all purchases must post to your account during the Purchase Window. The 12-month Promotional Period for the
0.00%
APR begins on the date your first purchase posts to your account (the “Promotional Period”). If you make multiple purchases throughout the Purchase Window, only purchases posting to your account on that first day will receive the full Promotional Period of 12 months. Additional purchases posting to your account after the date your first purchase posted to your account will receive
0.00%
APR, but only for the remainder of the 12-month Promotional Period.
Example: If your first purchase posts on September 1, 2026, you will receive 0.00% APR on that purchase for the full 12-month Promotional Period through September 30, 2027 (Promotional Period end date). The 3-month Purchase Window ends on December 1, 2026. You may make additional purchases at the promotional rate through December 1, 2026 (end of the 3-month Purchase Window). Any purchases made during the Purchase Window, such as one that posts on November 1, 2026 will also receive 0.00% APR through September 30, 2027 (the same Promotional Period end date as the first purchase but resulting in 10 months at the 0.00% APR).
After the Promotional Period ends, any remaining balance from those purchases (and any new purchases posted after the Purchase Window) will be subject to the standard APR for purchases, which is 9.90% as of 08/22/2026 12:01:25 AM and is subject to change at any time. Purchases are limited to the available credit of your Visa credit limit. Cash advances and balance transfers are not eligible for this introductory rate. PSECU Visa Business Cards are not eligible for this introductory rate offer. Subject to credit approval. See your Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure and Visa Classic, Visa Alumni Classic, and Secured Visa Credit Card Account Opening Disclosure for terms of your Visa Classic Card and how payments will be applied. PSECU is not responsible for delays caused by force majeure, acts of God, or third parties in the posting of your purchases. PSECU may terminate this introductory rate offer at any time and without any notice. PSECU will honor this introductory rate for any applications in-process on the date of such termination.
3 The average APR on credit card accounts carrying a balance was approximately 21% in February 2026 (Federal Reserve). The average credit card balance was approximately $6,768 in 2025 (Experian). Based on a simple annual interest comparison using these figures, a 9.90% APR could reduce annual interest costs by up to hundreds over time. Illustrative example only. Actual savings may vary.
4 You can earn 1.5% cash rewards on purchases. You can earn 2% cash rewards on purchases if you maintain a PSECU checking account and qualifying monthly direct deposit(s) of at least $500. Some exclusions may apply. See the Visa® Founder's Card and Visa® Alumni Rewards Card Rewards Program Terms and Conditions for full details.