Digital Wallet
A digital wallet is a secure, electronic version of your physical wallet, storing your card and payment details right on your mobile device. It makes payments faster and more secure, both in-person and online.
Apple Pay® is built into Apple® devices like iPhone®, Apple Watch® and iPad®.1
- Ensure your device is running the latest version of iOS.
- Open the Wallet app.
- Tap the + icon to add a card.
- Use your camera to scan the card, or manually enter the card details.
- Follow the on-screen instructions to verify your card with your bank.
- We recommend starting with your Lake City Bank Visa®2 Debit Card!
Learn more: https://www.apple.com/apple-pay/
Google Wallet™3 is built into most Android phones, or you can download it on Google Play.
- Open the Google Wallet app and tap Add to Wallet at the bottom.
- Tap Payment Card.
- Use your camera to scan the card, or manually enter the card details.
- Follow the on-screen instructions to verify your card with your bank.
- We recommend starting with your Lake City Bank Visa Debit Card!
- Tap Save to complete the process.
Learn more: https://wallet.google.com/wallet/home
Samsung Wallet™4 is built into most Samsung Galaxy devices.
- Open the Samsung Wallet app
- Tap the All tab, and then tap Payment Cards.
- Use your camera to scan the card or manually enter the card details.
- Follow the on-screen instructions to verify your card with your bank
- We recommend starting with your Lake City Bank Visa Debit Card!
Learn more: https://www.samsung.com/us/apps/samsung-wallet/
How do digital wallets work?
In Person
When making a payment in person, your digital wallet uses Near Field Communication (NFC) to securely transmit your payment information. The transaction uses a one-time token instead of your card or account numbers, ensuring your data stays safe. Simply hold your device near the terminal, and the transaction will complete without the need for swiping, inserting your card, or entering a PIN.
Paying Online
For online shopping, digital wallets make checkout quick and easy. You confirm your identity, often using biometric recognition like fingerprints or facial scans, and the payment is processed without the need to type in your card details.
Digital wallet benefits
A digital wallet is a great way to pay for plenty of reasons.
- Security — Digital wallets protect your data with encryption, and biometric verification ensures that only you can authorize purchases. If your device goes missing, you can quickly disable your wallet remotely.
- Speed — Transactions are completed in seconds without needing to enter account numbers or PINs.
- Convenience — With your payment information stored on your device, you can leave your cards at home. You can also choose a default payment method for faster checkouts.
Getting started is easy
Setting up your digital wallet is simple. Just follow the steps for your device and start enjoying the convenience and security of digital payments today.
Frequently Asked Questions
A digital wallet is a secure, virtual version of your physical wallet. It stores your payment and card information on your phone, tablet, or other device. With a digital wallet, you can make payments quickly and securely, whether in person or online.
Digital wallets have several advantages.
- Payments are quick and simple, whether you’re shopping in-store or online.
- Digital wallet technology adds an extra layer of security to your transactions.
- Your payment cards are stored on your device, so you don’t have to carry them or manually enter payment details.
You can use your digital wallet in person (look for the contactless symbol5) 
or online at merchants that accept them.
Most devices come with a digital wallet pre-installed, or you can easily download one from your device’s app store.
Yes—digital wallets add an extra layer of security. Your information is encrypted, and transactions often require biometric authentication like a fingerprint or facial recognition. Plus, you can disable your wallet remotely if your device is lost.
Yes—you can add multiple debit and credit cards, and many digital wallets let you store other items like gift cards, boarding passes, and tickets as well.
Using a digital wallet is completely free. However, some merchants charge fees for using credit or debit cards. These fees are still charged on digital wallet transactions.
No. Your card functions and benefits remain the same.
1Apple Pay, the Apple Pay logo, iPhone, iPad and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.
2Visa is a registered trademark of Visa International Service Association and used under license.
3Google Wallet and Google Play are trademarks of Google LLC.
4Samsung Pay is only available in select countries, with available devices. Features, card issuers and merchants may vary. Payment methods shown not available in all countries or locations. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
5The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.
