Frequently Asked Questions: Apple Pay®

Yes. When adding your card to Apple Pay, a token is assigned. As a result, your actual debit or credit card number is not stored on the phone or shared with merchants. In addition, Apple Pay is protected by TouchID®, FaceID® or a PIN. And don’t forget about the added protection of Zero Liability1 for unauthorized purchases that comes with your Citizens debit or credit card.²

There is no cost to add a card for using Apple Pay. However, Apple Pay does require an active data plan in order to work. Your data plan may incur additional message and data charges.

You can use Apple Pay to make purchases in stores. Just look for symbol at checkout.

You can also use Apple Pay in participating merchant apps or online with supported devices. Look for the “Buy with Apple Pay” or “Apple Pay” button at checkout

For a complete list of participating merchants, please go to https://www.apple.com/apple-pay.

1. Click on “Settings”.
2. Select “Wallet & Apple Pay”.
3. Select “Default Card” within Transaction Defaults.
4. Select your Citizens Card to set it as your default.

You can now set a default card for use as your “Express Transit Card”. To do this, follow similar steps above and select your Citizens Card within the Transit Cards settings.

Yes. When adding your card to Apple Pay, a token is assigned. As a result, your actual debit or credit card number is not stored on the phone or shared with merchants. In addition, Apple Pay is protected by TouchID®, FaceID® or a PIN. And don’t forget about the added protection of Zero Liability1 for unauthorized purchases that comes with your Citizens debit or credit card².

Yes. Just like your physical credit and debit cards, your Citizens virtual credit and debit cards are covered by Citizens Zero Liability Protection1 for unauthorized purchases. The Zero Liability Protection covers fraudulent purchases and payments made by others using your Citizens physical or virtual credit and debit cards. If you suspect unauthorized use of your card, please contact us immediately at the telephone number on the back of your card.

Even after you’ve authorized the payment on your device, your merchant may ask you for a PIN to complete the transaction, if the transaction value exceeds a dollar amount.

Yes. You will continue to have access to the same benefits and protection that your card provides. There is no change to your existing card or its benefits.

It’s easy. Open settings on your phone, go to “Wallet® & Apple Pay,” select “Default Card,” and put the check mark next to the Citizens’ card.

To add a card on Apple Watch, you must first pair your Apple Watch® with a supported iPhone® running on iOS 8.2 or later using the Apple Watch app. Once paired, open the Apple Watch app on your iPhone, select "Wallet & Apple Pay," and then tap "Add Credit or Debit Card."

Please note that the iPhone 5, 5c and 5s only enable payments for the Apple Watch. Payments cannot be made with the iPhone 5, 5c, or 5s alone.

When adding your card, you can choose to add the card you already have on file with iTunes® or add new cards by manually entering your card information or taking a picture of your card. For every card you enter, you will need to accept the Citizens Terms and Conditions for Apple Pay. You are also subject to Apple’s own terms and conditions.

No. The card image in Apple Pay may not look exactly like your physical card, but this doesn’t affect how your cards work with Apple Pay. However, the last four digits of your card appear at the bottom on the card in Wallet® so you know the correct card was loaded into Apple Pay.

For your security, when you add your card to Apple Pay, a Device Account Number is created for this card on that device. It is separate and unique to your device and different from your card account number. Your Device Account Number is used to make purchases with your card using Apple Pay. If you add the card to multiple devices, each device will have a separate Device Account Number.

All transactions completed with Apple Pay will appear like any other transaction on your banking statement.

Apple Pay will only include your last 10 payment transactions made on your card with Apple Pay. For all official statement information, please refer to your card account information either on citizensbank.com or the Citizens mobile app. If you suspect that there has been fraudulent activity on your account, please contact Citizens at the number on the back of your card.

There is no cost to add a card for using Apple Pay. However, Apple Pay does require an active data plan in order to work. Your data plan may incur additional message and data charges.

You can use Apple Pay to make purchases in stores. Just look for symbol at checkout.

You can also use Apple Pay in participating merchant apps or online with supported devices. Look for the “Buy with Apple Pay” or “Apple Pay” button at checkout.

For a complete list of participating merchants, please go to http://www.apple.com/apple-pay.

Once you’ve added a credit or a debit card, paying in stores is simple. Double-click the side button and hold the face of your Apple Watch to the merchant’s card reader. A slight vibration and a tone will confirm your payment information has been sent.

To add your card on a supported iPhone or iPad, go to “Settings,” open “Wallet® & Apple Pay,” and select “Add Credit or Debit Card.” On a supported iPhone, you can also open the Wallet app to add a card

Yes. At this time, Apple® allows up to eight cards on a device.

Yes. You can add your card on up to 10 devices. Please note that your card must be added to each device and complete the card verification process separately.

To remove your card on iPhone® 6, iPhone 6 Plus, iPhone 7, iPad Air® 2, and iPad® mini 3, select “Remove Card” in the “Wallet® & Apple Pay” section of your device “Settings” or on the back of your card in the Wallet app. You can also visit icloud.com/settings to remove your card or Find My iPhone to temporarily suspend or permanently remove the ability to pay with your cards on your device. You may also call the telephone number on the back of your card to complete this request.

To remove your card on Apple Watch, go to "Wallet" on your Apple Watch device, select your card, then hold and tap "Delete" to remove your card. Additionally, you can remove your card using the Apple Watch app on your iPhone. Open the Apple Watch app, select "Wallet & Apple Pay," then select your card and navigate to the bottom and tap "Remove Card." Please note that you can always visit icloud.com/settings to remove your card on Apple Watch.

Yes. Please remove the old card from the Wallet app, and then add your new replacement card to Wallet. You will also need to complete the card verification process to enable the card for use with Apple Pay.

If you need to make a return for a purchase made with Apple Pay, you can receive refunds to your account. How the refund gets processed is up to the merchant – the merchant may simply credit your account and issue you a physical receipt, the merchant may reverse the transaction and prompt you to move your device next to the card reader to process the reversal, or the merchant may ask you to provide the last four digits of your Device Account Number instead of the last few digits of your card number to process your transaction. So, make sure that you bring your phone with you to the merchant when making a return. To find the last four digits of your Device Account Number for your card, visit the “Wallet® & Apple Pay” section of your device “Settings” or on the back of your card in the Wallet app.

For iPhone® 6, iPhone 7, iPad Air® 2, and iPad® mini 3, you can view and manage your cards in Apple Pay by going to “Settings” and selecting “Wallet & Apple Pay.” By tapping on an individual card, you can view the “Transaction Display” and manage the settings associated with that card in Apple Pay.

For iPhone 6, you can also view and manage your cards in the Wallet app. When you select an individual card, you can tap the “i” to get to the back of the card, where you can view the “Transaction Display” and manage the settings associated with that card in Apple Pay.

For Apple Watch®, you can view and manage your cards on Apple Watch within the Apple Watch app on your iPhone. Simply tap on an individual card to manage the settings associated with that card in Apple Pay. The Apple Watch app will not display transaction detail or transaction history. You may receive notifications on your Apple Watch if you have a card added to Apple Pay on your paired iPhone and have push notifications enabled.

You will receive “Card Notifications” for your card in Apple Pay on iPhone and iPad letting you know about purchases made with your card and purchases made in Apple Pay. You can turn your notifications on or off by adjusting the “Card Notifications” settings for each card within the “Wallet & Apple Pay” section of your device “Settings.” Please keep in mind that by turning off your “Card Notifications,” you will no longer receive transaction notifications, will no longer see your transaction history on the back of your card in Apple Pay, and will not receive specific “Card Notifications” for cards added to Apple Pay for your Apple Watch.

You will be able to see the last 10 Apple Pay payment transactions in the “Transaction Display” of your card in Apple Pay on iPhone or iPad. You can turn “Transaction Display” off when you turn off your “Card Notifications” in the “Wallet & Apple Pay” section of your device “Settings.” You should continue to review your banking statement as the official record of your transactions.

1. Click on “Settings”.
2. Select “Wallet & Apple Pay”. 
3. Select “Default Card” within Transaction Defaults.
4. Select your Citizens Card to set it as your default. 

You can now set a default card for use as your “Express Transit Card”. To do this, follow similar steps above and select your Citizens Card within the Transit Cards settings.