Digital Wallets & Mobile Payments

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

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

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.

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

With your device nearby, tap the Today tab , and tap your profile picture.  Tap your device image, then tap the Wallet tile. Follow the on-screen instructions to add a payment card. In some cases, your bank may require additional verification. If you’re setting up Fitbit Pay for the first time, you may be prompted to set a 4-digit PIN code for your device. Note that you also need passcode protection enabled for your phone. After you add a card, follow the on-screen instructions to turn on notifications for your phone (if you haven’t already done so) to complete the setup. You can add up to 6 cards to the Wallet (5 cards for Charge 3 and Charge 4) and choose which card to set as the default payment option on your device.

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

For Samsung Pay: www.samsung.com/pay

For Google Pay: www.google.com/pay

For Fitbit Pay: https://www.fitbit.com/global/us/technology/fitbit-pay

For Garmin Pay: https://explore.garmin.com/en-US/garmin-pay/