What is Apple Pay and how does it work?
Apple Pay is easy to use and works with the devices you use every day. It uses tokenization, assigning an encrypted transaction-specific security code to each debit and credit card, for online and mobile payments.
The code has no value if stolen or intercepted by an unauthorized party. It is used to transmit preferred payment methods with the app or the store's Near Field Communication terminal, which is technology that permits a smartphone or other mobile device to safely communicate with a payment terminal in very close proximity at checkout.
Why use Apple Pay?
Apple Pay adds an extra layer of convenience and security. Card details are never shared or stored by Apple when you use Apple Pay, making payments with your iPhone, Apple Watch, iPad, and Mac a safe, private way to pay. Your card numbers are also never stored on devices or servers, and are never shared with wholesalers. The security codes assigned to your Apple Pay account takes the place of actual card numbers.
If your device is lost or stolen, use Find My iPhone/iPad from another Apple device with the same Apple ID/login to put your device in Lost Mode. This locks the phone and prevents others from using things like Apple Pay or Wallet data. Alternatively, you can use Find My iPhone to completely wipe your iPhone clean.
Where is Apple Pay accepted?
You can use Apple Pay when making purchases at many places across the United States, in store and online. See the Apple website for details.
Will Liberty Bank charge me to enroll in or use Apply Pay and are other fees ever applied?
No.
How do I pay in-store once I have Apple Pay?
With your iPhone or Apple Watch, you can pay in stores that accept contactless payments. Just look for one of these symbols at checkout:
To use your default card, rest your finger on Touch ID and hold your iPhone within an inch of the contactless reader until you see Done and a checkmark on the display.
If you need to choose Credit or Debit on the terminal, choose Credit. If you need to provide the last four digits of your card, use the Device Account Number that was assigned to you by Apple Pay during enrollment.
For iPhone, open Wallet, tap your card, then tap 
to see the Device Account Number. For Apple Watch, open the Watch app on your iPhone, tap Wallet & Apple Pay, and then tap your card to see the Device Account Number.
How do I pay online using Apple Pay?
With your iPhone, iPad, and Apple Watch you can use Apple Pay to pay within apps when you see Apple Pay as a payment option.
To pay with Apple Pay within an app:
1. Tap the Buy with Apple Pay or Apple Pay button. Or choose Apple Pay as the payment method when checking out.
2. Check your billing, shipping, and contact information to make sure that they're correct. If you want to pay with a different card, tap > next to your card.
3. If you need to, enter your billing, shipping, and contact information on your iPhone or iPad. Apple Pay will store that information, so you won't need to enter it again.
4. On your iPhone or iPad, place your finger on Touch ID. On your Apple Watch, double-click the side button. When your payment is successful, you'll see Done and a checkmark on the screen.
Can I add my card to more than one device?
Yes, you may add your card on up to ten devices. Your card will need to be added separately to each device through the Passbook app. You will be notified each time your card is added to a new device.
How can I make my Liberty Debit Card my default card in my Wallet?
The first card you add will automatically be your default card. If you have more than one card in your wallet, follow these steps: Go to Settings > Wallet & Apple Pay on your iPhone or iPad. Tap Default Card, and then choose a new card.
Can I see a transaction history for my Apple Pay purchases within my Wallet?
When you view your card in Wallet, you’ll see the last transaction for your enrolled debit card. Tap the card and tap , then tap the transactions tab.
Why did my Apple Pay transaction get declined?
Debit cards: Please contact our Customer Service Center at (888) 570-0773.
Credit cards: If you experience issues while using your Liberty Bank credit card, please contact Elan Financial Services directly at (800) 558-3424. To reach Cardmember Service via email, login to your Elan account and click on Messages.
My phone was stolen—what do I need to do about my Apple Pay?
If your device is lost or stolen, immediately use the Find My iPhone/iPad from another Apple device with the same Apple ID/login to put your iPhone or iPad in Lost Mode. This will lock your device and prevents others from using things like Apple Pay or Wallet data. Alternatively, you can use Find My iPhone/iPad to completely wipe your device clean.
Next, Liberty Bank can also suspend your token so Apple Pay can’t be used. Please call our Customer Service Center at (888) 570-0773.
I lost my debit/credit card that was in my mobile wallet—what do I do?
Debit cards: Please contact our Customer Service Center at (888) 570-0773. Once your card is cancelled, the card in the Apple Pay Wallet will no longer work and a new one will be assigned. Once you have your new Active Debit Card, go to your Apple Pay Wallet to add the new card AND delete the lost/stolen card.
Credit cards: If your Liberty Bank credit card is lost or stolen, please contact Elan Financial Services directly at (800) 558-3424. To reach Cardmember Service via email, login to your Elan account and click on Messages.