With a digital wallet, you can make purchases using your phone or watch by touching a store's contactless payment terminal or waving it across the reader. That frees your other hand to carry all the merchandise you're buying and helps you get on your way in a hurry. Plus, your personal information stays safe because it is never stored on your device or any servers.
Wave or tap, and you're all set to go.
Digital wallets make payments simpler
1. Look for the Pay Wave® symbol at checkout and hold your phone near the contactless reader.
2. Place your finger on the home key, Touch ID™ or position your face in front of your device, to use Face ID®.
3. Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.
With Apple Pay®, using your digital wallet you can make purchases with your iPhone® at participating merchants. Apple Pay® offers a unique way to make purchases with a simple touch of the finger using your Touch ID® and Face ID®.
Simple Setup
1. Open the Wallet® app on your iPhone® to get started.
2. If you already have an Andrews Federal debit or credit card on file with Apple iTunes®, you can quickly import it into Apple Pay® by entering the security code on the back of your card.
3. Unlock your phone and wave to use Apple Pay®.
With Apple Pay,® your payments are confidential and secure. Apple Pay® doesn’t save the details of your purchase. You never have to display your credit or debit card, you never have to disclose your personal information again, and your information stays where it should be, in your wallet. Passbook® stores your recent purchases for you to review at your own convenience.
How to Use Google Pay™ in Participating Stores
1. Look for the Pay Wave® or Google Pay™ symbol at checkout and hold your phone near the contactless reader.
2. Place your finger on the home key, Touch ID™ or you may need to enter a passcode and sign a receipt.
3. Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.
Shop Securely in Stores
When you use your phone to pay in stores, Google Pay™ doesn’t send your actual credit or debit card number with your payment. Instead, a virtual account number is used to represent your account information – so your card details stay safe.
Peace of Mind
If your phone is ever lost or stolen, you can lock and erase it from anywhere with Find My Device.
Rewards and Protections
When you use your card with Google Pay,™ you’ll continue to enjoy all the same rewards, benefits, and protections that come with it.
Get Started
Adding your card to Google Pay™ takes just a few minutes. First, download the app from Google Play™ or check to see if it’s already installed on your phone. Then, open the app and follow the instructions.
Pay In-Store
Google Pay™ works anywhere you see one of these symbols at checkout. Just unlock your phone and hold it near the terminal. You don’t even need to open the app. Speed through checkout online with Google Pay™. You can pay with a few quick clicks in apps and on the web. No need to enter your payment info.
Where to Use Google Pay™
Google Pay™ is accepted at millions of places around the world. See the stores and apps that accept Google Play™.
How to Use Samsung Pay™ in Participating Stores
1. Look for the Pay Wave® or Samsung Pay™ symbol at checkout and hold your phone near the contactless reader.
2. Place your finger on the home key, Touch ID™ or you may need to enter a passcode and sign a receipt.
3. Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.
Samsung Pay™ is a convenient new mobile payments service that lets you use your eligible Samsung™ device to make purchases almost anywhere you can swipe or tap your card. Andrews Federal members can now add their credit and debit cards to Samsung Pay™ and start making purchases at millions of merchant locations faster than ever before.
Simple Setup
1. Open the Samsung Pay™ app on your eligible device to get started.
2. Your device’s camera will scan in your card information for you to approve, so all you have to do is secure your account with your fingerprint and a backup PIN.
3. Just swipe up on your screen and authorize your payment using your fingerprint. To pay, hover your device close to the terminal where you’d usually swipe or tap your card.
To protect your information, Samsung Pay™ uses tokenization and fingerprint authorization. Tokenization generates a unique sequence of numbers (instead of transmitting your account information) every time you make a purchase. The “token” is encrypted and eliminates the need for merchants to store your card data on their networks.
Check out with fewer clicks.
Now when you see this icon 
at any site that accepts Visa, you can enjoy an easy, smart and secure checkout experience.
1. Set up. To use Visa's easy, smart and secure online checkout, you need to add your Visa credit, and debit cards.
2. Shop. Click to pay with your Visa card when you see this icon where Visa is accepted.
3. Save time. Whenever you see this icon where Visa is accepted, you can skip guest checkout, bypass form fields and forget the hassle of remembering passwords.
Setup Instructions
To get started, download the latest version of the Fitbit™ app on your smartphone or tablet and make sure your Fitbit™ watch is charged.
1. Open the Fitbit™ app on your phone and navigate to your settings.
2. Tap Fitbit Wallet™ and follow the instructions to add your card.
3. If you haven’t created a PIN code for your watch, you will be asked to set one.
4. Enter your card details and billing information.
5. Your card details will be sent securely to your bank for verification.
6. You’ll be prompted to accept the terms of your bank. (You may also be asked to complete further identity verification by your bank.)
7. Once you’re done, Fitbit Pay™ will sync the activated card to your watch via Bluetooth®.
8. Follow the tutorial on your watch to learn how to use Fitbit Pay™ at checkout.
Setup Instructions
1. To get started, open the Garmin Connect™ Mobile App and go to Garmin™ Devices.
2. Select your device and tap Garmin Pay.™
3. Tap “Create Your Wallet” which will prompt you to create a 4-digit passcode to keep the digital wallet on your watch secure.
4. Once you’ve created your wallet, add your card(s). You may be required to verify your identity.
5. To make a payment, you can quickly access the wallet on your device by pressing and holding the action button to bring up the controls menu. Then, tap the wallet icon.
STILL HAVE QUESTIONS?
Open the Wallet App, click on "Add Card", scan your card and follow the onscreen instructions.
Digital Wallets
Conquer checkout like a champ with your wallet in the palm of your hands.
Use your credit or debit card today to make purchases on the go.
Andrews Federal members received over $19 Million in direct member benefits through lower fees, lower loan rates and higher deposit yields.
Terms and Conditions
These Terms for Adding Your Andrews Federal Credit Union Card to a Digital Wallet (the “Terms”) apply when you choose to add an Andrews Federal credit card or debit card (“Card,” “Andrews Card”) to a Digital Wallet (“Wallet”). In these Terms, “you” and “your” refer to the cardholder of the Andrews Card, and “we,” “us,” “our,” and “Andrews” refer to the issuer of your Card, Andrews Federal Credit Union. When you add an Andrews Card to the Wallet, you agree to these Terms:
1. Adding Your Card. You can add an eligible Andrews Card to the Wallet by following the instructions of the Wallet provider. Only Cards that we indicate are eligible can be added to the Wallet. If your Card or underlying account is not in good standing, that Card will not be eligible to enroll in the Wallet. When you add an Andrews Card to the Wallet, the Wallet allows you to use the Card to enter into transactions where the Wallet is accepted. The Wallet may not be accepted at all places where your Andrews Card is accepted.
2. Your Andrews Card Terms Do Not Change. The terms and account agreement that govern your Card do not change when you add your Card to the Wallet. The Wallet simply provides another way for you to make purchases with the Card. Any applicable interest, fees, and charges that apply to your Card will also apply when you use the Wallet to access your Card. Andrews Federal Credit Union does not charge you any additional fees for adding your Card to the Wallet or using your Card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.
3. Andrews Federal Credit Union Is Not Responsible for the Wallet. Andrews Federal Credit Union is not the provider of the Wallet, and we are not responsible for providing the Wallet service to you. We are only responsible for supplying information securely to the Wallet provider to allow usage of your Card in the Wallet. We are not responsible for any failure of the Wallet or the inability to use the Wallet for any transaction. We are not responsible for the performance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Wallet provider or associated third-party relationships that may impact your use of the Wallet.
4. Contacting You Electronically and by Email. You consent to receive electronic communications and disclosures from us in connection with your Card and the Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any Andrews Federal Credit Union account. It may include contact from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes.
5. Removing Your Andrews Card from the Wallet. You should contact the Wallet provider on how to remove a Card from the Wallet. We can also block an Andrews Card in the Wallet from purchases at any time.
6. Governing Law and Disputes. These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your Andrews Card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Card agreement.
7. Ending or Changing these Terms; Assignments. We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. We will provide notice if required by law. We can also assign these Terms. You cannot change these terms, but you can terminate these Terms at any time by removing all Andrews Cards from the Wallet. You may not assign these Terms.
8. Privacy. Your privacy and the security of your information are important to us. Our Privacy Notice applies to your use of your Andrews Card in the Wallet. You agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your Card transactions, and to improve our ability to offer these services. This information helps us to add your Card to the Wallet and to maintain the Wallet. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider.
9. Notices. We can provide notices to you concerning these Terms and your use of an Andrews Card in the Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. You may contact us at: 1.800.487.5500 (within the U.S.) or 0.800.487.56267 (outside the U.S.).
10. Questions. If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your Andrews Card, then contact us at: 1.800.487.5500 (within the U.S.) or 0.800.487.56267 (outside the U.S.).
Andrews Federal Credit Union is a full-service financial institution with stateside locations in Washington, D.C., Maryland, Virginia and New Jersey, as well as overseas locations in the Netherlands, Belgium and Germany.