Your Credit Union 1 Visa® card and Apple Pay® will change the way you pay
Pay with a single touch
Use Apple Pay and your favorite Visa credit or debit card to pay the easy, secure and private way at hundreds of thousands of stores and participating apps. See a complete list of Apple Pay merchants at visa.com/applepay.
A secure way to pay
Rest easy. Apple Pay transactions are authorized with TouchID® thumbprint security or your passcode, and transactions never use your card number.
It's a snap to get started
Make sure your iPhone 6®, iPad Air 2® or iPad mini 3® has the latest version of IOS (version 8 or higher)
Add your Credit Union 1 Visa credit or debit card to Apple Pay. . . it's easy
Use it within apps or hold your device near a contactless reader with your finger on TouchID
Enjoy all the rewards and benefits of your Credit Union 1 Visa credit or debit card using Apple Pay.
Use Apple Pay with iPhone 6 to pay in stores without swiping your cards and in apps without entering payment and contact information. Just pay with a single touch of your ﬁnger using TouchID®.
With Apple Pay, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored. And when you make a purchase, the Device Account Number alongside a transaction-speciﬁc dynamic security code is used to process your payment. So your actual credit or debit card numbers are never shared by Apple® with merchants or transmitted with payment.
Apple, the Apple logo, iPhone and iPod touch are trademarks of Apple Inc., registered in the U.S. and other countries. iPad is a trademark of Apple Inc. App Store is a service mark of Apple Inc.
Terms for Adding Your Credit Union 1 VISA ® Debit Card to Apple Pay ® ("Apple Pay")
These terms apply when you add your Credit Union 1 VISA® Debit Card ("CARD") to Apple Pay ("Terms"). In these Terms, "you" and "your" refer to the cardholder, and "we", "us", "our", refer to Credit Union 1. When you add your CARD to Apple Pay®, you agree to these Terms.
1. Adding Your CARD:
You can add your CARD to Apple Pay by following the instructions. If your CARD or underlying account is not in good standing, it will not be eligible to enroll in Apple Pay. When you add a CARD to Apple Pay, you are allowed to use your CARD to enter into transactions where Apple Pay is accepted. Apple Pay may not be accepted at all places where your CARD is accepted.
2. Your CARD's terms and conditions and account agreement that govern your CARD do not change when you add your CARD to Apple Pay. Apple Pay simply provides another way for you to make purchases with your CARD. Any applicable interest, fees, and charges that apply to your CARD will also apply when you use Apple Pay to access your CARD. Credit Union 1 does not charge you any additional fees for adding your CARD to Apple Pay or using your CARD in Apple Pay. Apple Pay and other third parties such as wireless companies or data service providers may charge you fees.
3. Credit Union 1 Is Not Responsible for Apple Pay.
We are not the provider of Apple Pay, and we are not responsible for providing Apple Pay service to you. We are only responsible for supplying information securely to the Apple Pay provider to allow usage of the CARD in Apple Pay. We are not responsible for any failure of Apple Pay, or the inability to use Apple Pay for any transaction. We are not responsible for the performance or non-performance of Apple Pay or any other third parties regarding any agreement you enter into with Apple Pay or associated third party relationships that may impact your use of Apple Pay.
4. Governing Law and Disputes
Federal law governs these Terms and, to the extent that state law applies, the laws of the state that apply to the agreement under which your CARD is issued. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your CARD agreement.
5. 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 your CARD from Apple Pay. You may not assign these Terms.
Your privacy and the security of your information are important to us. Our Consumer Privacy Notice (https://www.creditunion1.org/privacy.html) applies to your use of your CARD in Apple Pay. You agree that we may share your information with Apple Pay, 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 Apple Pay.
We can provide notices to you concerning these Terms and your use of your CARD in Apple Pay by posting the material on our website, through electronic notice given to any 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 toll free at: (800) 252-6950 or write to Credit Union 1, P.O. Box 100, Rantoul, IL 61866.
If you have any questions, disputes, or complaints about Apple Pay, contact Apple directly. If your question, dispute, or complaint is about your CARD, then contact us at: (800) 252-6950 or write to Credit Union 1, P.O. Box 100, Rantoul, IL 61866.
iPhone 6 or iPhone 6 Plus (Apple Pay in stores and within apps)
iPad Air 2 or iPad mini 3 (Apple Pay within apps)
Apple Watch paired with iPhone 5, iPhone 5c, iPhone 5s, iPhone 6, or iPhone 6 Plus (Apple Pay in stores)
iOS 8.1 or later
United States as your selected region
Touch ID or passcode on your iOS device
A passcode on your Apple Watch and Wrist Detection turned on
An Apple ID signed in to iCloud
Touch ID or passcode on your iOS device
How do I set up Apple Pay on my iPhone or iPad?
You can start using Apple Pay as soon as you add your first credit or debit card to Passbook®.
To add a credit or debit card on iPhone 6 or iPhone 6 Plus, open Passbook and tap Plus icon in the upper-right corner.
If you have a credit or debit card from a participating bank on file with iTunes®, you'll be asked to add it. You can also choose to add a different card using the iSight® camera or by entering your card information manually. Then your bank will decide whether to approve adding your card to Apple Pay. They might ask you to provide more information to complete the verification process.
To add a credit or debit card on iPad Air 2 or iPad mini 3, go to Settings > Passbook & Apple Pay, tap Add Credit or Debit Card, and then follow the same steps for iPhone above.
What should I do if I have an issue adding a credit or debit card to Apple Pay?
Your bank and AppleCare® are ready to help you with issues when adding credit or debit cards to your iPhone 6, iPhone 6 Plus, iPad Air 2, iPad mini 3, or Apple Watch. You can contact your bank or AppleCare, who will help you resolve your issue.
Where and how can I use Apple Pay to pay in a store or within apps?
You can use Apple Pay with your iPhone 6, iPhone 6 Plus, and Apple Watch to pay in stores that accept contactless payments.
Some stores might have this symbol on their card readers and point of sale terminals, but they might not be currently set up to accept contactless payments, including Apple Pay. At the current time, this includes 7-Eleven®, Home Depot®, Jack in the Box®, Rite Aid®, and CVS® but the list grows every day. Apple updates the list of merchants frequently so check their Where to Use Apple Pay site to see if your favorite merchant is Apple Pay ready.
On iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3, you can use Apple Pay to pay within apps when you see the Buy with Apple Pay or Apple Pay button as a payment method.
Is there a fee to use Apple Pay?
No. Apple Pay is a benefit of Credit Union 1 membership and is a complimentary service. Message and data rates charged by your carrier may apply.
Will I have to sign a receipt when paying with Apple Pay?
As you do today with a plastic credit or debit card, you might need to sign a receipt, depending on the store and the transaction amount.
How secure is Apple Pay?
Apple Pay is more secure than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren't shared with the merchant, and your actual card numbers aren't stored on your device or on Apple servers.
How does Apple Pay keep my information private?
What should I do if my iPhone, iPad, or Apple Watch is lost or stolen?
With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your iPhone, iPad, or Apple Watch.
Apple, iPhone, Apple Watch, iPad, iPad Air, Passbook, iTunes, and iSight are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, TouchID, and iPad mini are trademarks of Apple Inc. iCloud and AppleCare are service marks of Apple Inc.