Digital Wallets & P2P Payments

Pay with Digital Wallets

Securely store your Morehead Community Federal Credit Union Debit Card in your phone’s digital wallet for quick checkouts when shopping in store or online. It makes purchases easy, convenient, and secure!

Paying with a digital wallet is safer than giving the store your card number and PIN. Transactions are validated by a number that is unique to each device and card. This encrypted number is used to authorize purchases so your card number and PIN are never transferred or stored with the merchant, meaning they are less likely to be compromised.

Many smartphones offer fingerprint Touch ID or Face Recognition that can be used to authorize transactions. This means your digital wallet is available at the touch of your fingertips. There is no need to show additional ID, sign, or wait for the chip reader to complete the transaction.

Let your MCFCU Debit Card work for you.

How do I enroll in ApplePay™?

Enrollment is simple and easy. To ensure your enrollment goes smoothly, you should use the same contact information for your Apple Pay™ accounts that you use for your Debit Card. If there is a discrepancy, it will delay your enrollment. If your phone number, email address or mailing address has changed but you have not yet updated that contact information in your MCFCU account, you should update the incorrect information before enrolling in Apple Pay.

To enroll your MCFCU Debit Card in Apple Pay:

  1. Click on the Settings icon on your device.

  2. Open “Wallet & Apple Pay.”

  3. Click on “Add Credit or Debit Card” on the Passbook & Apple Pay screen.

  4. Add your card to Apple Pay:

    • If your MCFCU Debit Card is already connected to your MCFCU account, just enter the card’s security code to enroll.

    • If your MCFCU Debit Card is not currently connected to your MCFCU account, it’s still easy to add it into Apple Pay. Simply snap a picture of your MCFCU Debit Card with your iPhone or iPad camera OR enter your card number and payment information using your device keyboard.

  5. Apple will now attempt to authenticate your identity. If it can not do this automatically, you will be prompted to call the Credit Union. Please call us at 606-784-2201 to verify your identity.

You can also enroll in Apple Pay using the wallet app on your Iphone.

To learn more about Apple Pay please visit this link.

How do I enroll in GooglePay™?

MCFCU is happy to support your MCFCU Debit Card on Google Pay™.

To enroll your MCFCU Debit Card in Google Pay:

  1. Download the Google Pay app on your phone

  2. Add your MCFCU Debit Card (as easy as snapping a pic!)

  3. Google will now attempt to authenticate your identity. If it can not do this automatically, you will be prompted to call the Credit Union. Please call us at 606-784-2201 to verify your identity.

  4. Pay at over one million locations nationwide.

Google Pay is both easy-to-use and secure

Google Pay is as convenient as it is secure. Why? Because Google Pay never uses your actual card number. Instead, it uses a virtual account number so your actual debit card number stays safe.

To learn more about Google Pay please visit this link.

How do I enroll in SamsungPay™?

MCFCU is happy to support your MCFCU Debit Card on Samsung Pay™.

To enroll your MCFCU Debit Card in Samsung Pay:

  1. Open the Samsung Pay app and click the Get Started button, then create your Samsung Pay backup PIN.

  2. Click the Cards button at the top left of the screen.

  3. Click the Add cards button and take a photo of your MCFCU card.

  4. Select a card verification method from the on-screen list of options (SMS/text, email, phone, etc.) and follow the verification instructions.

  5. SamsungPay will now attempt to authenticate your identity. If it can not do this automatically, you will be prompted to call the Credit Union. Please call us at 606-784-2201 to verify your identity.

  6. Secure it with your fingerprint. Then, you’re good to go!

The Best Security, Built-In

Samsung Pay transactions are authorized with your fingerprint and use a digital identifier instead of your card number. Even if your phone is compromised, Samsung Knox technology encrypts your card info within a separate, secure data vault.

Convenience. Everywhere.

Samsung Pay makes paying with your phone super easy. Plus, it works almost anywhere you can swipe or tap a card.

To learn more about Samsung Pay please visit this link.

How do I enroll in Venmo™?

Send money to anyone, anytime.

To enroll your MCFCU Debit Card in Venmo:

  1. Download the Venmo mobile app for iOS or Android.

  2. Open the Venmo app on your device.

  3. Choose your sign up method and create a password (between 8 and 32 characters).

  4. Verify your phone number and email address.

  5. Agree to the Terms & Conditions.

  6. Add your MCFCU Debit Card number, or MCFCU Routing#242186326 and your MCFCU Checking Acct # (call MCFCU if you do not know it) and verify it after receiving small “microtransfer” transactions sent by Venmo.

To learn more about Venmo please visit this link.

How do I enroll in PayPal™?

To enroll your MCFCU Debit Card in PayPal:

If you already have a PayPal account:

  1. Log in to your account and select the cog-wheel.

  2. Select Link a Card or Bank.

  3. Select Link a debit or credit card.

  4. Select Debit or credit card.

  5. Type your card number, date and security code into the form, then confirm your billing address and click the Link Card button.

If you are new to PayPal:

  1. Go to the PayPal website and click Sign Up.

  2. Select your account type (personal or business), then click Next.

  3. Type your email address and create a password, then click Next.

  4. Fill out your personal information and click Agree and Create Account.

  5. After you’ve created your account, follow the “If you already have a PayPal account” instructions above to enroll your MCFCU Debit Card in PayPal.

To learn more about PayPal please visit this link.

How do I enroll in Zelle™?

The MCFCU App is not linked to Zelle, however you can still send/receive money via Zelle. Download the Zelle app from the Apple or Google Store, then setup your MCFCU Debit card within the Zelle App. Zelle does charge a 3% fee for sending money.

To enroll your MCFCU Debit Card in Zelle:

  1. Download the Zelle mobile app for iOS or Android.

  2. Open the Zelle app on your device.

  3. Input your phone number and verify your phone through the text code.

  4. Create a password and verify if you would like to setup fingerprint or face ID.

  5. Agree to the Terms & Conditions.

  6. Add your MCFCU Debit Card number, expiration date, and CVV code.

  7. Now you are setup to Send or Request money.

To learn more about the Zelle app please visit this link.