Apple Pay™ Information

How do I get started with Apple Pay?

Go to settings on your IOS device and tap wallet/Apple Pay to get started today. New devices will prompt you upon set up. Tap "add a new Credit or Debit Card" and follow the steps displayed for adding a new card. Only CSB debit cards (consumer or business) are available to be setup in Apple Pay. CSB credit cards not currently available. After your card is loaded in your Wallet you will be prompted to call in and verify the card setup. This call will go to Shazam Fraud & Card Services. They will assist you with the completion of your Apple Pay debit card setup.

Is Apple Pay a secure way to pay?

Your security is very important to us. When you use Apple Pay, your Community Spirit debit card number is never shared with the merchant and is not stored on the device. Instead, a Device Account Number is used to process your payment which further protects your personal information.

Is there a fee associated with using Apple Pay?

There is no cost for Apple Pay from Community Spirit Bank. An active data plan is required on your device. Based on your wireless plan and mobile carrier's offering, additional message and data charges may apply. Your debit card Deposit Account Agreement will apply for purchases. Community Spirit Bank does not charge any fees to add your cards to Apple Pay.

How do I know if I can use Apple Pay at a merchant?

Apple Pay is currently accepted in over a million stores. Apple Pay is accepted in grocery stores, boutiques, restaurants, hotels, and so many places you already enjoy. And, you can use Apple Pay to pay in some of the most popular apps in the App Store. Look for the contactless pay symbol or Apple Pay logo at check out.

Which of my devices are compatible with Apple Pay?

You can use Apple Pay in stores on your iPhone® 6 and later models, and Apple Watch™ with compatible iPhone 5 or later. Apple Pay can also be used in-app with your iPhone® 6, and later models, iPad Air™ 2, iPad Pro, iPad mini 3, and iPad mini™ 4.

How does Apple Pay work?

Apple Pay uses Near Field Communication (NFC) which is a short-range wireless technology that allows two devices to exchange payment information at close proximity. Apple Pay uses NFC technology to transmit payment information from your phone to the contactless payment terminal. Your Community Spirit debit card number is never shared with the merchant and is not stored on the device. Instead, a Device Account Number is used to process your payment which further protects your personal information

There is no fee associated with Apple Pay. An active data plan is required on your device. Based on your wireless plan and mobile carrier’s offering, additional message and data charges may apply. Check with your mobile service provider for more information.

Additional Information

View our Helpful Links page for more information on specific topics such as how to use Apple Pay in stores.