Digital Payments
Apple Pay, Google Pay, and Samsung Pay Available
These digital wallet solutions are now available for all TBACU Debit and Credit Cardholders. Members can enjoy the convenience of making secure payments in stores, within apps, and online all from a mobile device or smartwatch. Here are the steps on how to get started, if you have any questions, please call or text our local Service Center team at 231.946.7090 or stop by a branch and our team would be happy to help!
How to Get Started:
- Visit the Settings icon on your phone and select Wallet & Apple Pay.
- Enter your TBACU Credit and Debit Card’s information.
- Your cards are now ready!
- Learn more and view a list of retailers that accept Apple Pay.
- Locate the Google Pay app on our device, if you do not see if you can download the Google Pay app from the Google Play Store.
- Enter your TBACU Credit and Debit Card’s information.
- Your cards are now ready!
- Learn more about Google Pay and view a list of retailers that accept Google Pay.
- In Stores: Forget looking through your wallet and handing over a card the next time you’re in a store. With Android Pay, you can unlock your phone, place it near a contactless terminal, and you’re good to go. Tap and pay is that fast, that easy.
- In Apps: Tired of entering your payment and address details every time you make in-app purchases? Next time just select Android Pay at checkout and leave the rest to us.
- Learn more about Samsung Pay.
Real-Time Payments (RTP)
Do you use Cash App, PayPal, Venmo, or Square? Instantly transfer funds from popular payment apps right to your TBACU checking account! No need to wait 1-3 business days for your money. Log in to your payment app of choice and get started today. *Please note that the payment apps may charge a standard fee of approximately 1.75% for instant transfers.
RTP Frequently Asked Questions
You can receive real-time payments through FedNow or the RTP (Real-Time Payments) network for things like direct deposits of paychecks, transfers from other financial institutions, or person-to-person payments from digital wallets and apps. To receive funds, the sender must use a financial institution that supports FedNow or RTP. TBA Credit Union does not charge a fee to receive payments through either network.
At this time, TBA Credit Union supports receiving real-time payments through FedNow and RTP, but members cannot initiate outgoing payments using these networks. We are continuing to evaluate future capabilities.
FedNow is operated by the Federal Reserve, while RTP is operated by the Clearing House. Both networks allow participating financial institutions to send and receive payments instantly, 24/7/365.
Real-time payments are transactions that are processed and settled nearly instantly, giving recipients immediate access to funds. These payments are available any time – day or night, including weekends and holidays.
Traditional transfers, such as ACH, typically take 1-3 business days to process. Real-time payments are completed within seconds, allowing you to access your funds immediately once received.
- Speed: Funds are available instantly once received.
- Convenience: Payments can be received any time, including nights, weekends, and holidays.
- Transparency: Real-time confirmation and payment details are included in the transaction.
- Efficiency: Faster access to funds can help with budgeting, bill payments, and emergency needs.
