Mobile Wallet Frequently Asked Questions

Get your Mobile Wallet questions answered here. If you have any additional questions contact our customer solution center at 877-437-9032.

What is a Mobile Wallet?

A mobile wallet is a form of technology that allows you to carry a digital version of your credit cards and Chesapeake Bank VISA® myCard on your mobile device.

What is Mobile Payment?

Mobile Payment is a payment service that allows customers to make card payments at retail and online checkouts using certain mobile devices where the physical card does not have to be present.

How do I make my Chesapeake Bankcard the default card in Mobile Payment software?

The first card you add to the Mobile Payment software will be the default payment card. Visit the mobile wallet site for assistance with viewing and updating your default card. Google Pay Apple Pay Samsung Pay

Can I use a card other than my default card to make a purchase?

Yes, if you have multiple cards enrolled in Mobile Payment software, you can select which card you would like to use for the transaction.

Why am I being asked to call and verify my card?

This security step enables us to verify that you’re the owner of the card being added. This process will help to prevent someone from stealing your card and trying to add your card to a device.

How does the Mobile Payment Work?

The 16-digit primary account number on your card is replaced with a unique digital account number, or token, that is securely stored on your mobile device and used to make purchases. Your card number is not stored on your mobile device or on the Mobile Payment provider’s servers.

To make a payment with your device at participating merchants. Open the app, hold your device near the reader and authorize your transaction with the pin number or TouchID that you have selected.

Can more than one card be stored in the Mobile Payment?

Yes, multiple cards can be stored in Mobile Payments.

Do I need to be connected to the Internet to use the Mobile Payment?

Only for online purchases. For in-store Mobile Payment purchases, you do not need to be connected to the Internet.

How will Mobile Payment Service Providers keep my information secure?

When you add your card to a Mobile Payment, the Mobile Payment provider does not store your actual card number, a unique digital account number, or token, is assigned, encrypted and securely stored in your Mobile Payment compatible device. This number is never stored on the Mobile Payment provider’s servers. When you make a purchase, the digital account number, along with a transaction-specific dynamic security code, is used to process your payment. Your actual card number is never shared by the Mobile Payment provider with merchants or transmitted with payment.

Can I remove my card from the Mobile Payment?

You can remove your card from a Mobile Payment at any time. Simply follow the directions provided by the Mobile Payment provider to remove your card.

Is Mobile Payment secure?

Yes, your account information is not stored on the device. Instead, a unique Device Account Number or Virtual Account Number is stored in the secure element on the individual device. Even if someone hacked your phone, no account information can be stolen.

What if I need to return an item I purchased using a Mobile Payment?

You can make returns on items where a Mobile Payment was conducted.

Will I earn cash back rewards on Mobile Payment transactions when I use my myCard?

Yes, you will earn the same level of rewards regardless of whether you use your Mobile Payment for transactions or have the physical card present for the transaction.

Can I put the same card in a Mobile Payment on multiple devices?

Yes, you can add any card in Mobile Payment on multiple devices.

Is there a fee for using Mobile Payment?

Chesapeake Bank does not charge a fee for utilizing Mobile Payment Services.

What if my device is lost or stolen after I added my card to a Mobile Payment?

Please call Chesapeake bank immediately 866-344-2437 and report your card as lost or stolen. We will close your card so that no more purchases can be made. You should also remove the lost or stolen card from the Mobile Payments, which can be done through the Mobile Payment provider website using a personal computer.

Can I use Mobile Payments outside of the United States?

Mobile Payment availability outside of the United States will depend on the merchant, Mobile Payment provider, and your card acceptance.

Can a Mobile Payment be used for recurring charges, subscriptions or bills?

This service is not currently available.

What is a Device Account Number or Virtual Account Number?

Mobile Payment providers refer to the digital form of your card number as Device Account Number or Virtual Account Number. This is a unique number that is used instead of your card number so that your payment information is not shared with the merchant.

Will the card image in the Mobile Payment software match my physical card?

No. The card image may not be an exact match. Keep in mind this doesn’t affect how your cards work with the Mobile Payment Provider.

If I erase my phone, does that cancel my physical card or can I continue to use them?

Erasing the information on your phone will have no effect on your physical cards. You can continue to use your cards as you normally would. Erasing your phone will delete the virtual cards from the Mobile Payment software and they can no longer be used. You can add your cards back into the Mobile Payment software at any time.

What should I do when I receive a replacement card?

You can delete your old card from your device and add the replacement card, which will create a new device account number. Visit the mobile payment providers for assistance with removing and replacing your card.

How will my Mobile Payment transactions show on my statement?

Your transactions using Mobile Payment software will appear the same way as a physical card transaction.

What if I replace or update my device with that had my Mobile Payment software?

If you replace or update your device, your card will not be transferred automatically. You will need to set up the Mobile Payment software again and add your card to the new device.

Learn how to set up your Mobile Wallet

If you have any additional questions contact our customer solution center at 877-437-9032.