Digital Wallets & Mobile Payments

There’s a plastic-free way to use your credit and debit cards.

Payments on-the-go have never been easier!

At Coastal, we make it our priority to provide our members with the utmost convenience. Which is why we have partnered with several companies to make mobile payments easier than ever before!

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The Benefits of Digital Wallets & Mobile Payments

  • Make purchases with your Coastal credit and debit cards without presenting your card to the merchant
  • Purchase items or services in-store, within apps, and online
  • Pay more securely using special encryption generated by your device
  • Once your card information is verified, you’ll be able to use your phone or other device to make purchases instantly

5 Ways to Make Mobile Payments


Apple Pay logo

Apple Pay®

Secure, easy, and works with the Apple® devices you use every day.

Google Pay Logo

Google Pay™

Fast mobile payments in-store and in-app with most Android™ devices.

Samsung Pay Logo

Samsung Pay®

Samsung Pay lets you carry your credit, debit, gift and membership cards on your devices.

Garmin logo

Garmin Pay™

A contactless payment solution designed for people who are always on the move.

Fitbit Pay logo

Fitbit Pay™

Access your credit and debit cards anywhere, right from your watch or tracker.

 

Dont' Forget

Download Coastal’s Mobile App to Bank Better on-the-go!

Download on the App Store
Get it on Google Play

Frequently Asked Questions

To use, simply hold your phone or device near the card terminal until you hear a beep and/or
feel the device vibrate. You may also need to validate with your fingerprint, iris, or other
verification method, depending on the payment form you’re using. If you’re using a debit
card, you might need to enter your Coastal PIN, and some transactions might require a
signature. You should see confirmation on both the device and the terminal that the
transaction has been accepted.

Digital wallets work anywhere that you can tap your contactless card. 

 

  1. Choose the Samsung Pay icon, and log in using your Samsung account information.
  2. If you do not already have a Samsung account, you can create one.
  3. Once logged in you can, touch ADD CARD in Samsung Pay app to begin the process
  4. of adding your card.
  5. Center the card in the on-screen window and Samsung Pay will read the card number, or you can enter the card number manually.
  6. Verify or enter the additional information such has Cardholder Name, Expiration Date and Security Code (CVV).
  7. Accept the Terms and Conditions for adding a card to a digital wallet by touching AGREE TO ALL.
  8. You may be prompted to select a delivery method for receiving a One Time Passcode such as SMS or EMAIL or CALL IN.
  9. The One Time Passcode will be delivered to the destination selected. Enter the code received and touch SUBMIT.
  1. Choose the Google Pay icon, and log in using your Google account information.
  2. If you do not already have a Google account, you can create one.
  3. Once logged in you can, touch ADD CARD in the Google Pay app to begin the process of adding your card.
  4. Center the card in the on-screen window and Google Pay will read the card number. Or you can enter the card number manually.
  5. Verify or enter the additional information such as Cardholder Name, Expiration Date and Security Code (CVV).
  6. Read and accept the Terms and Conditions for adding a card to a digital wallet by touching AGREE TO ALL.
  7. You may be prompted to select a delivery method for receiving a One Time Passcode, such as SMS or EMAIL or CALL IN.
  8. The One Time Passcode will be delivered to the destination selected. Enter the code received and touch SUBMIT.

You can add up to 10 credit or debit cards to your Garmin Pay™ wallet.
1. From the Garmin Connect™ app, select  select the Garmin Devices section
2. Select Garmin Pay and then Add Card.
3. Follow the on-screen instructions.

All digital wallets create a unique digital number for each of your cards that is different from
the number on the plastic card issued by Coastal. The wallets store these digital numbers and use them to complete your transactions to keep your Coastal-issued card information protected. You can locate your Device Account Number/Digital Card Number/Virtual Account Number inside the app of the digital wallet. If you make a purchase with a digital wallet and end up returning or questioning that purchase, the merchant might ask you for the last four digits of your card number. In those cases, you will need to provide them with the last four digits of the Device Account Number/Digital Card Number/Virtual Account Number instead of the last four digits on the plastic card number.

You should be able to use your card within a few minutes of adding it and verifying the OTP.

You should be able to use your digital wallet at any participating merchant regardless of the location. However, be aware that your wireless and data plans may charge additional fees if you’re using a digital wallet internationally. As always, we recommend that you submit a travel notice to Coastal if you have plans to travel internationally.

Please call 800-868-4262 for assistance.

As a fraud prevention measure, anybody who has changed or updated their contact information within the last 90 days will not be able to use the OTP. If your information has recently changed, you will need to call 800-868-4262 for verification assistance.

Your phone/device does not store your actual card number at any time, so your card information cannot be accessed even if your phone is lost or stolen. Transactions themselves are completed using encrypted, dynamic information called tokens. The tokens change for every transaction and are useless by themselves, so if a criminal were to obtain the token, they would not be able to use it to access either your phone/device or your Coastal information. These measures make digital wallets a very safe and secure option for using your Coastal card.

Even though it would be extremely difficult for someone other than you to use your digital wallet, you should get a new card number if you believe your device has been stolen. Please call 800-868-4262, verify all transactions on your statement, and request that we close your old card and send you a new card number.

If you get a card with a different card number or expiration date, you will need to update your card information in your digital wallet.

You will need to load your card into your new device after you’ve gotten it set up.

Yes. However, be aware that depending on your data plan, some rates may apply.

OTPs for a debit card will come from the number 76128. Credit card OTPs will come from 98699. The text will read as follows, depending on the verification method:

Email Variables Available: 

  • $(OTP) = One Time Passcode
  • $(WALLET) = Wallet Name
  • $(LAST4) = Last 4 digits of PAN (can be used not currently used today; would require CU to determine placement)

Email Body

Note: This is a message regarding your $(WALLET) Identification Code.

Here is the Identification Code you will need to enter in your Mobile Wallet to help us complete the verification process.

Your Identification Code is: $(OTP)

This code will expire in 30 minutes so please enter in the appropriate field on your Mobile Wallet as soon as possible.  YOUR FINANCIAL INSTITUION WILL NOT CALL TO ASK FOR THIS CODE. DO NOT GIVE THIS CODE TO ANYONE. ENTER CODE IN DEVICE ONLY.

Sincerely,

Mobile Wallet Team

SMS Variables Available

Same as Email variables listed above.

SMS - OTP Message when using FD Shared Short Code

Your $(WALLET) code is $(OTP). DO NOT GIVE CODE TO ANYONE. ENTER IN DEVICE ONLY. For information, reply HELP or call the number on your card.

 

No. The digital wallet app will create the encryption data and a Device Account Number/Digital Card Number/Virtual Account Number on its own.

No. You never have to use a digital wallet if you don’t wish to.

Yes, you will still get a receipt for your transactions.

Returns will be handled according to the merchant’s return policy. If you used a digital wallet to complete the transaction, you might need to hover your device over the reader the same way you did when you made the purchase to complete the return.

Yes, you will still get Coastal credit card rewards on all eligible transactions if you’re using a Coastal Signature Premier Rewards or Coastal Rewards card. If you use your Coastal Go Green debit card, transactions will qualify even if you use a digital wallet to make the transaction.

Yes, you may remove your Coastal cards from a digital wallet at any time. You may also choose to use your physical Coastal card instead of a digital wallet at any time.

Standard data & message rates apply.

Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Fitbit, Fitbit Pay and the Fitbit Logo are trademarks, service marks and/ or registered trademarks of Fitbit, Inc. in the United States and in other countries. Garmin and the Garmin logo are trademarks of Garmin Ltd. Or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. Google Play is a trademark of Google LLC. Samsung Pay is only compatible with select cards, carriers, and Samsung devices. See Samsung.com/pay for compatibility. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung electronics co., Ltd.

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