Your First State Bank & Trust Company Visa® Debit card is now compatible with Apple Pay®, Google Pay™ (formerly Android Pay™) and Samsung Pay for fast and secure digital transactions!
Getting started is easy:
Frequently Asked Questions about Mobile Wallet
Q: Where can I use mobile wallet?
A: Most mobile wallets will work almost anywhere you can "tap" a card to pay. Look for either the symbol for your mobile wallet's icon or logo or the contactless payment symbol. This is usally indicated also by additional hardware on the top of the point-of-sale terminal. You can also ask the merchant whether they accept mobile wallets.
Q: My card says it needs to be activated. What do I do next?
A: In some cases, you may need to verify your card activation in order to use mobile wallets and will be instructed to call First State Bank & Trust Company at (402) 721-2500 to complete the process. For after hours activations, you can call Visa at (855) 541-8472 to activate your mobile wallet.
Q: I used my mobile wallet and I still had to provide my PIN or sign for the purchase. Isn't this supposed to do away with that?
A: No. The focus of mobile wallets is to provide more security for your information, rather than to speed up the transaction. In some cases, some merchants may allow a speedy tap and go, where others may treat the tap as no different than a swipe or insert and require a PIN or signature. The mobile wallet difference is your card number and other data is not shared with that merchant in the event of an incident.
Q: How are my transactions kept secure?
A: Your card information is not stored on your device or shared to the merchant by any of the mobile wallets. Apple and Samsung use a one-time token that encrypts your payment information. Android uses a virtual account number that is distinct from your actual card number. If your payment is electronically intercepted, a terminal is discovered to have a skimmer, or a merchant is hacked, your mobile wallet information used in the purchase would be useless to the fraudster.
Additionally, each transaction is also authenticated by either a fingerprint, facial recognition, passcode or PIN on your device so only you can make the purchase.
Q: What is the transmission range of a mobile wallet transaction?
A: You will need to bring your phone fairly close to the terminal in order to successfully authorize a transaction. It may even depend on which side of the card reader your phone is held near for it to fully transmit. So you shouldn't have to worry about accidentally paying for someone else's transaction by unlocking your phone or readying your mobile wallet app in the checkout line.
Q: Will I still recieve card alerts when I use mobile wallet?
A: Yes! Since your mobile wallet purchases are connected to your debit card, you should receive text or email card alerts like you would with any other debit card transaction if you have elected to recieve them. You may also recieve an additional alert from the mobile wallet app itself confirming the transaction.
To sign up for Card Alerts, simply log in to NetFirst Internet Banking and click on "Card Management" and then "Manage Alerts" or call (402) 721-2500 to have one of our representatives set it up for you.
Q: Do I need to have my card to make a mobile wallet purchase?
A: No. You will not need to have your card present or show your card to make a purchase with your mobile wallet.
Q: Do I need the FSBT Mobile App to use mobile wallet?
A: No. You do not need to have the FSBT Mobile App to set up or use mobile wallets. However, we would encourage you to download our app to keep track of your purchases and to give you access to turn on/off your debit card from anywhere.
Q: What happens if I lose my phone?
A: If your phone is misplaced, you can rest assured that your mobile wallet information cannot be used by a thief, as each transaction requires authentication by fingerprint, facial recognition, passcode, or PIN.
For added peace of mind, you can disable or delete your mobile wallet information remotely by visting your mobile wallet's website:
- Apple: Go to https://icloud.com/find and sign in with your Apple ID to put your phone in Lost Mode, which suspends Apple Pay.
- Android: Go to the Android Device Manager to instantly lock your phone from anywhere, secure it with a new password, or wipe it clean.
- Samsung: Go to Samsung Find My Mobile to remotely lock and disable or erase your payment cards.
If you have access to NetFirst Internet Banking, you can sign in above and click on "Card Management" to remotely turn off your payment card. If you have the FSBT Mobile App you can also remotely manage your payment card. You can also call First State Bank & Trust Company at (402) 721-2500 to have us disable the card that is in your mobile wallet.
Q: If I disable my mobile wallet, can I still use my card?
A: Yes! Disabling the mobile wallet only deactivates the card for your device and does not prevent you from being denied when swiping or inserting your debit card normally.
Q: What happens if I lose my physical card? Will the card on my phone still work?
A: No. If you have reported your card as lost to First State Bank & Trust Company, your card will either be closed or put in a lost status to prevent further transactions. Since the mobile wallet uses your card number and not your account number, it will also be considered closed or lost and will not function.
At your convenience, stop in to our Main Office (1005 E. 23rd St.) to pick up a new debit card instantly and then you can add that new card into your mobile wallet.