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Debit Card

Easily make purchases across the street, around the globe, or online.
Details

Imagine getting through life without ever having to dig for change or write a check. Our debit card is safer than carrying cash and more readily accepted than checks. The very same card is used to make ATM withdrawals. One tiny piece of plastic gives a whole lot of versatility.

MasterCard Automatic Billing Updater

What is MasterCard® Automatic Billing Updater?

MasterCard’s Automatic Billing Updater is a service participating merchants can use to retrieve cardholder account changes, like new debit card numbers, to ensure as little disruption as possible for your account-on-file transactions and automated payments.

What are card-on-file automated payments?

Account-on-file transactions are payments processed using a card number you’ve stored with a merchant or service provider:

  • Websites with whom you’ve created an account and saved your credit card information:
    • Transportation services (ex., Uber or Lyft)
    • Clothing websites
    • Online retailers (Amazon, Wayfair, etc.)
    • Movies/music/eBook download services (Netflix, Pandora, etc.)
    • Online payment services (PayPal, Digital Wallet, etc.)
    • Prescriptions

  • Automated payments are recurring payments you set up with a merchant or service provider:
    • Transportation services (ex., Uber or Lyft)
    • Cable or television service
    • Utilities
    • Homeowners’ association dues
    • Music subscriptions
    • Magazine subscription
    • Radio subscriptions
    • Gym membership
    • Anti-virus software
    • Insurance premiums
    • Recurring charitable donations

Will all of my payment information be automatically updated?

No. Automated Billing Updater is only available to participating merchants, and they can choose the frequency at which they check for updated payment information. To avoid late payments and penalties, you must check with your merchant to ensure your card information is updated.

What if I don’t update my debit card information?

Automatic payments will fail and merchants may charge you late fees. Most merchants will contact you by phone, email, or text to notify you that your payment did not go through.

For account-on-file transactions, if you try to submit an online order using your old card number, once your MasterCard is deactivated, the transaction will be immediately rejected. You should have the opportunity to update your card information, and resubmit your online order.

How do I know what merchants I need to update?

Log in to your Online Banking and view your card transactions. Log in to the merchants’ website, go to your account information or profile, add your new MasterCard, and delete your old card information.

Automatic Billing Updater

The MasterCard Automatic Billing Updater offers flexibility, security, and processing options that take advantage of state-of-the-art MasterCard transmission technologies and ensure proper data distribution through six easy steps:

  1. Issuers submit MasterCard account changes to the Automatic Billing Updater database.
  2. Merchants who have registered for the program submit account number queries to their acquirers.
  3. Acquirers submit these account queries to the MasterCard Automatic Billing Updater database.
  4. MasterCard matches account queries to issuer submissions, then returns matches to acquirers. 
  5. Acquirers return matched account query records to the specific merchants.
  6. Merchants can then update their billing files with the changed account information. 

Click here to opt out

Apple Pay

Use your debit card with Apple Pay at a variety of merchants in stores and within apps. Look for either of these symbols at checkout:

Apple Pay Contactless Payment      Apple Pay Logo 

Frequently Asked Questions about Apple Pay:

What is Apple Pay?

Apple Pay is a mobile payment and digital wallet service by Apple Inc. that lets users make payments.  Apple Pay lets mobile devices make payments at contactless points of sale and in iOS apps. It digitizes and replaces the credit or debit card chip and PIN or magnetic stripe transaction at point-of-sale terminals. It is similar to contactless payments already used in many countries, with the addition of two-factor authentication. The service lets Apple devices wirelessly communicate with point of sale systems using a near field communication (NFC) antenna, a "dedicated chip that stores encrypted payment information" (known as the Secure Element), and Apple's Touch ID and Passbook.

What devices are compatible?

The service is compatible with any iPhone 6 model above higher models, along with the Apple Watch. Users with iPhone 5, 5C, 5S, 6 or 6 Plus can use the service through an Apple Watch, though it lacks Touch ID security. Instead, Apple Pay is activated with a passcode and will remain active for as long as the user wears the Apple Watch.

How do I add a card to Apple Pay?

You can add your card in a few easy steps.  The process for adding a card is a little different between your iPhone, iPad, and Apple Watch.

iPhone:

  1. Open Passbook and tap the plus sign.
  2. Position your card in the camera frame to automatically enter your card information. Enter the security code found on the back of your card, and fill in any remaining fields.

iPad Air 2 or iPad mini 3:

  1. Go into Settings and tap Passbook & Apple Pay.
  2. Tap Add Credit or Debit Card.
  3. Position your card in the camera frame to automatically enter your card information. Enter the security code found on the back of your card, and fill in any remaining fields.

Apple Watch:

  1. Open the Apple Watch app on your iPhone 5 or 6 (must be running iOS 8.2 or higher) and tap select Passbook & Apple Pay.
  2. Tap Add Credit or Debit Card.
  3. Position your card in the camera on your iPhone to automatically enter its information. Enter the security code found on the back of your card.

Can I add multiple Southern Bank cards to Apple Pay?

Yes.  Southern Bank Personal Debit Cards, Business Debit Cards, as well as, HSA Debit Cards, are all compatible with Apple Pay.  For each Apple Pay enabled device, you can load up to eight cards.  Devices do not share cards, so if you want the same card on two different devices, you will need to load the card on each device separately. 

What is a default card for Apple Pay?

Your default card for Apple Pay is the card that is automatically used every time you make a purchase. 

How do I set my Southern Bank card as my default card for Apple Pay?

Setting your Southern Bank card as your default is simple, and you only need to do it once. Go to Settings, Passbook & Apple Pay and tap Default Card selection. Choose your Southern Bank card as your default.

Note: the first card you add to Apple Pay will automatically be your default card, but you can update it at any time.

Does Southern Bank charge anything to use Apple Pay?

No.  Southern Bank does not charge a fee for customers to use Apple Pay.

Where can I use Apple Pay?

Apple Pay does not require Apple-specific contactless payment terminals and will work with Visa's Pay Wave, MasterCard's Pay Pass, and American Express's Express Pay terminals.

What is a contactless payment?

Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal. Look for the symbols at the top of this page. 

Is Apple Pay secure?

The service keeps customer payment information private from the retailer, and creates a "dynamic security code [...] generated for each transaction". Apple added that they would not track usage, which would stay between the customers, the vendors, and the banks.

What if my iPhone or iPad is lost or stolen?

In addition to notifying your mobile carrier, please call the Southern Bank number on the back of your card promptly, and mention that you added your Southern Bank card to Apple Pay so that we can disable your card for use with Apple Pay. If you locate your device, you will need to add your card back to Apple Pay before making any Apple Pay purchases.

If you have the Find My iPhone app downloaded to your device, you can use it to remotely lock your device. Please refer to the Apple website for more information about Find My iPhone. 

What if my Apple Watch is lost or stolen?

Please call the Southern Bank number on the back of your card promptly and mention that you added your Southern Bank card to Apple Pay so that we can disable your card for use with Apple Pay. You should also visit iCloud to remove your card from your Apple Watch. Please refer to the Apple website for more information on iCloud.

If you locate your Apple Watch, you will need to add your card back to Apple Pay before making any Apple Pay purchases. 

What if my Southern Bank card is lost or stolen?

Please call Southern Bank and mention that you added your Southern Bank card to Apple Pay. We will close your card so that no more purchases can be made. You should also remove the lost or stolen card from Passbook or the Apple Watch app using the “Remove Card” option.  When you receive your replacement card, you will need to add the new card to Apple Pay before making any Apple Pay purchases.

Where can I find more information about Apple Pay?

To learn more about Apple Pay, please visit the Apple Pay website.

How do I complete a transaction with Apple Pay?

To pay at points of sale, users hold their authenticated Apple device to the point of sale system. iPhone users authenticate by holding their fingerprint to the phone's Touch ID sensor, whereas Apple Watch users authenticate by double clicking a button on the device. To pay in supported iOS apps, users choose Apple Pay as their payment method and authenticate with Touch ID.

In case of fraud, who is liable?

Apple assumes some liability for fraudulent use of the service. Banks are expected to carry the burden of the service, and Apple is said to have negotiated smaller transaction fees. In turn, the banks hoped to capture purchases that were formerly handled without credit. 

Your Southern Bank Debit Card(s) automatically come with built-in Fraud Monitoring and MasterCard’s Zero Liability protection.  To dispute a transaction, promptly call 1-855-4KASASA (1-855-452-7272). 

Why is the transaction amount displayed in Passbook different from what’s in my Online Banking or Mobile Banking account detail?

If you make an Apple Pay purchase with your Debit Card, the merchant may request authorization for an initial amount and send us the actual transaction amount later for payment. The initial authorized amount appears in your Passbook, but the actual transaction amount is deducted from your account. This happens frequently in places where:

  • You can add a tip (restaurants, salons)
  • There can be a significant difference between the amount that's authorized initially and the actual transaction amount (hotels, car rental agencies)

For most Debit Card purchases, we receive the payment request, including the actual transaction amount, within 3 business days of the transaction.  Keep track of your transactions and ensure you have sufficient funds in your accounts to cover the final payment.

Android Pay

Use your debit card with Android Pay at a variety of merchants in stores and within apps. Look for either of these symbols at checkout:

Apple Pay Contactless Payment    android pay

Frequently Asked Questions about Android Pay: 

What is Android Pay?

Android Pay is a mobile wallet that can store your credit cards, debit cards, loyalty cards, etc.

What are the device requirements?

You will need an Android phone running Kit Kat (4.4) or higher.  Your phone also needs to support NFC (Near Field Communication) and HCE (Host Card Emulation).

How do I check my Android Version?

  1. Open your device’s Settings app .
  2. Scroll to the bottom and tab About phone or About tablet.
  3. Under “Android Version”, the number shown is your device’s Android version number.

How to I check my NFC (Near Field Communication)?

  1. On your Android phone, go to Settings .
  2. Touch
  3. Make sure “NFC” is listed and turned on.

When you enable NFC, HCE is automatically enabled.  HCE is available on most devices. 

Note: You can’t use Android Pay if you’ve enrolled in Samsung MyKnox on your device.  MyKnox lets users manage multiple profiles on the same device, such as work and personal files.  To use Android Pay, disable Samsung MyKnox profiles.

How do I set up Android Pay?

To start using Android Pay, open the app and follow the setup instructions.  You will need to use a PIN, pattern or password screen lock to use Android Pay. 

  • Look for the app on your phone. Android Pay comes preloaded on several devices.  If your phone doesn’t have the app, download it from Google Play.
  • Add your Southern Bank debit card. If you already have your debit card in your Google account, you can add it to Android Pay by confirming a few details, or you can add it as a new card by snapping a picture.

How do I add my Southern Bank card to Android Pay?

  1. Open the Android Pay app ** If you have multiple Google Accounts in Android Pay: At the top left of the app, touch your name, then choose the account you want to add a card to.
  2. At the bottom right, touch +.
  3. Tap Add a credit or debit card.
  4. Use the camera to capture your card info or enter it manually.

After you enter your card, you may need to verify you identity with your bank before you can use it.  In the Android Pay app, touch the card, then pick one of the verification steps.  If you don’t receive a verification notification, contact Southern Bank.

After you have added your debit card to Android Pay, Southern Bank will keep it up to date automatically.

How do I make a purchase with Android Pay?

With Android Pay, you can make quick and easy purchases with your phone instore and supported apps.

Purchases in stores

You can use Android Pay in stores where you see contactless terminals with either of the logos above:

You don’t have to open the Android Pay app to make a purchase with your NFC phone; just follow these step:

  1. Wake up and unlock your phone
  2. Hold the back of your phone against the contactless payment terminal.
  3. If prompted, choose “Credit” regardless of your card type.

You might have to enter a PIN to complete your purchase.  Different types of cards require different PINs.  If you are using your Southern Bank card, enter your ATM PIN.

Purchases in apps

You can use Android Pay in apps with either of these purchase buttons:

At checkout, touch the Android Pay purchase button.  You may be prompted to select a payment method and enter your shipping address before confirming your order.

TIP: In some apps, you can save your payment and shipping information for all future purchases.

Can I add multiple Southern Bank cards to Android Pay?

Yes.  Southern Bank Personal Debit Cards, Business Debit Cards, as well as, HSA Debit Cards, are all compatible with Android Pay. For each Android Pay enabled device, you can load up to eight cards. Devices do not share cards, so if you want the same card on two different devices, you will need to load the card on each device separately.

What is the default card for Android Pay?

The first card you add to Android Pay will be set as your default card, and will be charged when you pay with your phone. 

Does Southern Bank charge anything to use Android Pay?

No.  Southern Bank does not charge a fee for customers to use Android Pay.

Is Android Pay secure?

Yes. Android Pay keeps all your payment information encrypted on secure servers.  Your full details are never stored on your phone or shared with merchants when you buy something; They see your virtual account number instead.

When you set up Android Pay, you will have to set a PIN, pattern or password screen lock if you don’t already have one.  We also recommend making sure Android Device Manager is on, which you can use if you phone is ever lost or stolen. 

What if my device is lost or stolen?

Whenever your phone is unlocked, it can be used to make purchases with Android Pay.  If your phone is lost or stolen, you can find, lock, or erase it using Android Device Manager.  Since Android Pay does not store your card details on your phone, anyone who finds or steals your phone, will not be able to access that information, even if it is unlocked.

What if my Southern Bank card is lost or stolen?

Please call Southern Bank and mention that you added your Southern Bank card to Android Pay. We will close your card so that no more purchases can be made. You should also remove the lost or stolen card from your device. When you receive your replacement card, you will need to add the new card to Android Pay before making any further purchases.

What if I have unauthorized charges?

If you see a charge on your card statement for an Android Pay transaction that you didn’t make, contact Southern Bank immediately.  We will close your card so no additional purchases can be made. 

Your Southern Bank debit card(s) automatically come with built-in Fraud Monitoring and MasterCard’s Zero Liability protection.  To dispute a transaction, promptly call 1-855-4KASASA (1-855-452-7272).

Where can I find more information about Android Pay?

To learn more about Android Pay, please visit https://www.android.com/pay/.

Samsung Pay

Use your debit card with Samsung Pay at a variety of merchants in stores and within apps. Look for either of these symbols at checkout:

Apple Pay Contactless Payment   samsung pay

What is Samsung Pay?

Samsung Pay is a mobile payment service that works almost anywhere you can swipe or tap your card.*

From local grocery stores to corner coffee shops to taco trucks, it’s highly secure and simple to use with the latest Samsung Galaxy devices.

What devices are eligible?
Samsung Pay is currently available on the Samsung Galaxy S7, S7 edge, S6, S6 edge, S6 edge+ and Note5.

What banks and credit cards are compatible?

Supports American Express, Bank of America, Chase, Citibank, PNC Bank, U.S. Bank, Wells Fargo Bank - and more. We are constantly adding new financial partners to support Samsung Pay. A detailed list of supported credit and debit cards that are compatible with Samsung Pay can be found at: http://www.samsung.com/us/support/owners/app/samsung-pay#compatibility 

How do I set up Samsung Pay?

  • Download and Install Samsung Pay
  1. From the Home screen, though Apps
  2. Touch Samsung Pay
  3. Touch INSTALL to download the necessary files
  4. If there are updates to the built-in application, touch INSTALL
  5. Touch OPEN to start using Samsung Pay
  • Set Up Samsung Pay
  1. From the Home screen, touch Apps
  2. Touch Samsung Pay
  3. The first time you open Samsung Pay, a short introduction video will play

NOTE: Touch SKIP to bypass the introduction and continue the setup process.

  1. Your Samsung account will be automatically liked to Samsung Pay. Touch START to continue.

NOTE: If you have yet to sign in to your account, touch SIGN IN and enter your email address and password information.  If you do not have an account, you can create a Samsung account on your device.

  1. Touch USE FINGERPRINT to assign your fingerprint as the verification method. If you have not registered your fingerprint on the device, you will be given the chance to add a fingerprint.  We will walk you through adding a fingerprint at this time.

NOTE:  You can also assign a four-digit Samsung Pay PIN code instead of using your fingerprint.  Touch Skip and user Samsung Pay PIN.

  1. If you have a secure lock on your device other than a fingerprint, enter the password, PIN, or pattern.
  2. Place your finger on the HOME key, and then lift it off once you feel a vibration.  Repeat until you have reached 100%.  To ensure your whole fingerprint is recorded, move your finger slightly each time you touch the key, fully covering the key with your finger.
  3. Scan the fingerprint you just registered for verification.
  4. Create a Samsung Pay PIN for payment authentication and application protection.
  5. Re-enter the PIN to confirm.
  6. You are now ready to add your payment card and use Samsung Pay.
  • Add a Payment Card in Samsung Pay
  1. From the Home screen, touch Apps .
  2. Touch Samsung Pay .
  3. Touch ADD or, if this is the first payment card being added, touch Add a credit card or debit card.
  4. Align your card inside the frame to automatically detect the card number and expiration date.

NOTE: Touch Enter card manually if your device cannot detect the card information.

  1. Enter the remaining information, and touch
  2. Review the terms and conditions, and then touch AGREE TO ALL.
  3. If necessary, select a method to authenticate your identity using a one-time password (OTP).
  4. Enter the OTP and touch
  5. Use your finger or a stylus to enter your signature and touch
  6. Touch DONE to complete the process.
  7. After your card is added to Samsung Pay, it will be verified by the payment card network (i.e., Visa, MasterCard, or American Express) and the card issuer (Southern Bank). On average, verification will take approximately 5-10 minutes.  During that time, you will be unable to use your card in Samsung Pay.

Note: You can continue to add cards while others are being verified.

  1. After the card is verified it can be used immediately to make a purchase.

Does Southern Bank charge anything to use Samsung Pay?

No.  Southern Bank does not charge a fee for customers to use Samsung Pay. 

Where can I use Samsung Pay?

Samsung Pay uses patented technology to work at more places than any other mobile payment service.

How do I pay with Samsung Pay?

Swipe up on your screen to launch Samsung Pay and authorize with your fingerprint or PIN. To pay, just hover your device close to the terminal where you’d normally swipe or tap your card.

Is Samsung Pay Secure?

Your actual account number is never shared with a retailer. Samsung Pay transmits a one-time use digital card number each time a transaction is made. Samsung Pay is protected by Samsung KNOX® while transactions can only be authorized with your fingerprint or PIN. For added security, you can remotely lock or erase your payment cards in Samsung Pay using the ‘Samsung Find My Mobile’ service. 

What should I do if my device is lost or stolen?

Your payment information is not accessible without your fingerprint or Samsung Pay PIN.  For added security, the Samsung Find My Mobile service can remotely lock or erase your payment cards in Samsung Pay.  Alternatively, you can choose to erase your entire device and or removable storage.

When you lock Samsung Pay using Find My Mobile, all payments will be disabled on the device.  For additional security, Samsung Pay will request the card issuer to suspend any transactions made from the device.  If you locate your device, you can quickly unlock your cards by authenticating your identity by scanning your fingerprint or entering your Samsung Pay PIN.

NOTE: If you notice any suspicious activity with your account or if you are unable to lock Samsung Pay, contact Southern Bank immediately, by calling 1-855-4KASASA (1-855-452-7272).

What if my Southern Bank Card is lost or stolen?

Please call Southern Bank and mention that you added your Southern Bank card to Samsung Pay. We will close your card so that no more purchases can be made. You should also remove the lost or stolen card from your device. When you receive your replacement card, you will need to add the new card to Samsung Pay before making any Samsung Pay purchases.

Where can I find more information about Samsung Pay?
To learn more about Samsung Pay, please visit https://help.content.samsung.com.

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