Banking FAQs

There are a number of ways to check your balance. You may call our automated telephone banking service at 877.372.2447. If you prefer, you can also obtain your balance by logging into the bankESB’s Online Banking to view your accounts, transfer funds, or conduct bill payment transactions. These two systems are simple, and can be accessed 24 hours a day, 7 days a week.

If you would like to report a debit card lost or stolen, please dial 855.527.4111 during normal business hours. To report your card after hours, please dial 844.293.6242.

Your deposit account’s available balance includes your current balance minus any holds. Your available balance does not include savings overdraft, unused reserve credit, and assigned overdraft privilege limits.

You can use bankESB’s free of charge. In addition, it can be used at ATMs displaying the NYCE, CIRRUS or VISA® program logos worldwide*

*This does not include fees imposed by ATM operators or any networks.

You can use your bankESB debit card outside of the United States. Withdrawal and transaction fees may apply. If you are planning on traveling, please call Customer Care Center at 855.527.4111 for more information.

Current rates on all Deposit accounts can be found on our website in the Savings Rates section.

bankESB requires a primary ID which includes a valid driver’s license, valid State issued ID or a valid passport. A secondary ID such as a Social Security Card or credit card may also be requested by the Bank.

It’s easy to transfer funds yourself by phone. Call 877.372.2447 to use our Phone-Banking service. You can also transfer funds at ATMs or online, using bankESB’s Online Banking. Subject to limitations.

An eStatement is an electronic version of your statement with images available online via our secure site. You can view and print your statement right from your computer or mobile device, avoiding the wait for traditional mail and ending paper clutter. Loan bills and tax statements are also included in eStatements.

By making the switch to eStatements, you can:

1. Access your financial information 24 hours a day from anywhere you have access to the Internet
2. Reduce the risk of mail fraud and identity theft that comes with paper delivery
3. Get organized and reduce the clutter of paper statements
4. Help to protect the environment

Yes. If you are banking on your computer, you can view the front and back sides. If you are banking from your mobile device, the front and back of the check can be seen via the individual transaction on the account activity screen. If you need a copy of the back of the check, please call Customer Care at 855.527.4111.

You can log in to view eStatements at any time! Your current eStatement will be available within two business days after your statement cycle ends. We will send you an email alerting you that your eStatement is ready for viewing. Your previous eStatements are available to you online immediately!

Yes, your eStatement looks exactly like your paper statement.

No. Once you enroll for eStatements, you will no longer receive a paper statement.

You can save them to your computer if you wish and they will be available on our website for a rolling 18 months. Statements that are not available online can be requested by phone at 855.527.4111. bankESB keeps copies of statements for seven years. View our fee schedule for applicable fees.

Yes. Once you open the eStatement, you will be able to print it just like you print any document on your computer.

Checking and savings accounts, mortgage and consumer loans, tax documents, and deposit and loan bills are available online for each account enrolled.

There is no charge. eStatements are free!

You can update your email address when you initially sign up for eStatements. After your enrollment, if your email changes, you will need to notify us to continue receiving the email notice that your latest eStatement is available. This can be done in the “Options” section of the Online Banking web page, in the “Messages” section of our Mobile Banking app, by initiating an Online Chat, or by contacting the bank at 855.527.4111.

eStatements are quick and easy to set up. To gain access to your bankESB eStatements, select the account that you would like to enroll and click the eStatements link. Navigate to the “Statement Delivery Preferences” section, click and review the Electronic Statement Agreement and enter the Disclosure Acceptance Code located at the end of the agreement in the corresponding field on the screen to accept the disclosure. Once accepted you can choose which accounts will receive eStatements by selecting Electronic or Paper from the “Enrollment Preference” drop downs located next to each account. Click the “Accept & Update Preferences” button to confirm your delivery preferences.

Mobile Banking allows anyone with an Online Banking account to access information from a mobile device. Mobile Banking offers two ways to access your accounts:

1. Use a mobile browser on your mobile device
2. Download the bankESB Mobile Banking app to your mobile device

You can choose one or both of these options, depending on the capabilities of your mobile device.

There are several ways you can help protect your information:

1. Ensure that your devices and apps are up to date with the latest versions to ensure security
2. Download apps from trusted and approved app stores endorsed by your service provider or technology provider, such as such as The App Store® or Google Play™
3. Avoid Jailbreaking (“self-hacking”) your smartphone to gain full access to all of the features of the phone which can leave your phone susceptible to malware, viruses, and other malicious programs
4. Turn off your Bluetooth when you are doing banking transactions

bankESB Mobile Banking is free; however, there may be charges associated with data usage on your mobile device. Check with your wireless device carrier for more information.

If you get a new device, for security purposes first delete the app from your old device; then simply download the bankESB Mobile Banking app on your new device.

Yes, the Mobile Banking service utilizes best practices from Online Banking, such as HTTPS, 256-bit SSL encryption, access with a User ID and Password, and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the Mobile Banking service can access your accounts. In addition, no account data is ever stored on your mobile device. In the event your mobile device is lost or stolen, the service can be immediately disabled by contacting Customer Care at 855.527.4111.

A data plan is highly recommended, as data usage can become expensive without one. If you do not have a data plan, please check with your wireless carrier for more information regarding these services. Please note that you are responsible for any charges incurred from your wireless provider.

Yes, you do need to be an Online Banking customer to take advantage of the Mobile Banking services. You can enroll in Online Banking here.

Once you are signed into your mobile device, use the slide out menu located on the top right to access the menu.

1. Select the My Profile option
2. Select the corresponding option you would like to change

If you are already enrolled in bankESB Online Banking, you may log into the bankESB Mobile Banking app with your bankESB Online User ID and Password.

Select Forgot Your Password on the mobile login screen. Answer the authentication fields presented to verify your identity and click Submit to establish your new password.

If you do not receive a confirmation message due to a lost signal, you may verify a transaction by logging back into Mobile Banking. If you need assistance, please contact Customer Care at 855.527.4111.

Yes, Mobile Banking is available 24/7.

1. First, register for bankESB Online Banking here if you haven’t already done so.
2. Then visit the App Store® or Google Play™ to download the app and begin the registration process.

Mobile Banking is supported on all devices with a mobile web browser that supports cookies. In addition, the downloadable application is supported on most iPhone and Android devices.

Select the Log Out button in either slide out menu to sign out of Mobile Banking and then close your browser or app.

The 256-bit SSL encryption protects your information as it travels from your mobile device to bankESB. The 256-bit SSL encryption technology is the same encryption that safeguards Internet traffic for secure web applications.

If you forget your User ID, select “Forgot User ID?” on the login page or contact Customer Care at 855.527.4111.

To report a lost, stolen or compromised bankESB Debit card during normal business hours, call our Customer Care team at 855.527.4111. After business hours, please call 844.293.6242. If you are calling from outside the United States, please call 614.564.5105.

You can use bankESB’s free of charge. In addition, it can be used at ATMs displaying the NYCE, CIRRUS or VISA® program logos worldwide*

*This does not include fees imposed by ATM operators or any networks.

Visit your nearest branch or contact our Customer Care team at 855.527.4111.

Yes, it can be done at the bankESB ATM or through our Interactive Voice Response system 800.992.3808.

Yes.

The credit is posted to the account immediately, but funds may not be available until the second business day. For more details, please refer to our Funds Availability policy.

Yes, it’s the available balance at that time.

Please contact our Customer Care for this information at 855.527.4111.

Yes, the limit can be increased, but you need to speak with a Customer Care team member at 855.527.4111.

Yes. Please click here for more information about our credit cards.

You can use your bankESB debit card outside of the United States. Withdrawal and transaction fees may apply. If you are planning on traveling, please call Customer Care at 855.527.4111 for more information.

Yes. Biometric ID has the same level security as all authentication methods for Online and Mobile Banking.

Biometric ID is available for iOS and Android devices that have compatible Biometric ID support running Android 6.0 or higher. Compatible Android devices are those that are using Android’s fingerprint support. Specific devices from Manufacturers that have created their own Fingerprint supported devices and are not using Google’s built-in support for Android are not compatible. Examples of known devices that are not supported are the Samsung Galaxy S5 and Note 4. These devices use Samsung’s Fingerprint drivers, not Google’s Android.

No. You can use your Login ID and Password to sign in to bankESB Mobile and Online Banking.

bankESB does not collect your Biometric ID details, and cannot link it to the personal information we hold about you. bankESB is relying on the device to authenticate the Biometric ID and confirm or reject verification.

On the bankESB Mobile Banking App login screen, enter your password and then navigate to the Mobile Services menu > Service Center > Biometric ID> Biometric ID Enrollment. You will then be prompted to give your device a name (should be unique) along with providing your bankESB Online Banking Login ID and Password. Once all three fields are completed, select enroll. The next time you login to your bankESB mobile app, you will be prompted to use your Fingerprint/Face ID.

On the app’s login screen, a message will display prompting you to log in with your Biometric ID.

No. Once you are enrolled with Biometric ID, your Biometric ID is the only required login credential.

bankESB does not hold or store your Biometric ID. Your Biometric ID is stored on your device (as part of the user settings) when you set it up and we rely on the device to authenticate your fingerprint if you choose to use Biometric ID when accessing Mobile Banking.

bankESB does not collect or store your Biometric ID in any case. Your Biometric ID is stored on your device when you set up your fingerprint enabled device. Just like it is your responsibility to keep secure your Online Banking password, Biometric ID should be treated with the same level of security. This means that you must not have other people’s Biometric ID stored on your device if you would like to use this login option. However, if someone else’s Biometric ID is stored on your device and you enable fingerprint authentication, the second person will also have full access to your account.

On enrollment, any fingerprint you save on your device may access your bankESB Mobile Banking App. You should not register for Biometric ID if you wish to retain other people’s Biometric IDs on your device.

Yes. You can still log in to the bankESB Mobile Banking app using your account username and password.

If your mobile device is lost or stolen you can delete a device at any time by logging onto your account from a PC or another device and selecting the Biometric ID Management screen. You can delete the lost/ stolen device from the list of devices currently authorized. In addition, anytime a new fingerprint is added to the device, re-enrollment is required so a lost device should not be able to access your account without your Biometric ID or account Login ID/ Password.

Please call Customer Care at 855.527.4111 in the event your device is lost or stolen so we can reset your password as an added level of security.

Biometric ID can be disabled from a desktop or mobile device by clicking on the person icon in the upper right-hand corner > Service Center > Biometric ID > Biometric ID Enrollment.

You will need to register your Biometric ID on the new device, and then re-enroll Biometric ID to access Mobile Banking using your fingerprint or face.

In some situations, bankESB may provide an additional level of security and ask you to verify your identity. This is another level of security for your protection.

For login assistance, you can call Customer Care at 855.527.4111.

Select Forgot Your Password on the login page. You will then be asked to enter information to identify yourself and allowed to choose and confirm your new password.

Quicken® Web Connect

The Web Connect service is an on demand update for your Quicken® software that is completed by you at your convenience from your bankESB Online Banking profile. Simply sign in to bankESB Online Banking to export transactions directly from your account history and import them into your Quicken® software. NOTE: This is the most secure process for maintaining your Quicken® software as you do not have to share your online banking User ID and Password with the Quicken® software.

Quicken® Direct Connect

With the Direct Connect service your Quicken® software communicates directly with a connection to your bankESB Online Banking profile. To establish this service, you will need to initiate a connection process between your Quicken® software and your bankESB Online Banking profile. Visit http://quicken.intuit.com/ for instructions on how to enable this service. You must also enroll for this service with your online banking profile. To enroll for Quicken Direct connect, visit the Service Center and choose the Quicken/Quickbook link, place a checkmark next to Quicken in the Direct Connect Self Enrollment section and click the Enroll button.

The available balance displayed on your deposit accounts includes your current balance minus any holds. Your available balance displayed does not include savings overdraft, unused overdraft line of credit and assigned overdraft privilege limits. The available balance displayed on your loan accounts is the amount of the funds available for your use.

bankESB is dedicated to your security. Our Fraud Prevention department monitors your account activity and reviews the activity for suspicious behavior. When leaving the area, it is best to notify bankESB of your travel plans so a note can be made and your Debit card will remain active. If you will be traveling internationally, or just outside of your normal geographical area, send a notification to Customer Care through Online or Mobile Banking in the Service Center. You can also call Customer Care at 855.527.4111 and we will make sure that your card will work while you travel.

The bankESB “Transfer to Another Person’s Account at this Financial Institution” service enables you to transfer funds to other individuals with accounts at bankESB. Once you enter the information requested for the individual and the account that you would like to establish transfer capability to, the destination account will be added to your list of “To Accounts” on the “Make A Transfer” screen.

Transferring funds between your bankESB accounts and your accounts at other financial institutions is convenient, quick and easy. To get started, access the “Transfer Accounts” screen located in the Transfers menu. Choose the option to “Add Account” and then choose the “My account at another financial institution” option. Complete the required fields and click “Add Account” to submit the request to add this account to your Online Banking transfer accounts profile. Within a few days of submitting this information, two small deposits will be made to your external account. To complete the setup of your external account, return to the Manage Transfer Accounts page and verify the amount of the deposits. Once the two deposits are verified, for additional security you will receive a secure message requesting that you contact Customer Care at 855.527.4111 to provide validation of the addition this External Transfer account.

Simply select the interest-bearing account you wish to inquire on and click Details on the right side of the History page. The Account Details page will display Interest Rate, Year to Date Interest, and Previous Year Interest.

To change your account nickname, under the Service Center menu, click Account Settings. Scroll to the Manage Nicknames section, select an account to nickname, and click Save.

bankESB loan payments can be scheduled by accessing the Transfers option. On the “Make a Transfer” page, choose the “Recurring” option from the “Frequency” drop down. Select the appropriate frequency, start date, and duration to establish the recurring payment.

Go to the Pay My Bills tab and then click “Add a Company or Person” on the “Payment Center” tab to add a Payee. To delete a Payee, from the “Payment Center” tab in bill pay, click on the Payee you want to delete. When the Payee details screen appears, click the “delete” option located under the payee icon on the left-hand part of the screen. To edit a Payee, from the “Payment Center” tab in bill pay, click on the Payee you want to edit. When the Payee details screen appears, make the needed edits and click “Save Changes”.

Recurring and future-dates transfers and payments display in the “Scheduled Transfers” section on the “Transfer Activity” page which is accessed via the “Transfers” option. To edit or delete a scheduled transfer or payment, simply select the corresponding transfer and click the “Edit Transfer” or “Cancel Transfer” links as appropriate.

Yes. Simply log into Online Banking, select the Service Center tab and in the “My Profile” area, select Change User ID.

Yes. Simply log into Online Banking, select the Service Center tab and in the “My Profile” area, select Change Password.

No. For security purposes, your Online User ID and Password must be different.

Your account will automatically be added the following business day after it has been opened. If you have an account that was not added to you online banking profile, please contact Customer Care at 855.527.4111.

To gain access to the bankESB eStatements, select the account that you would like to enroll and click the eStatements link. Navigate to the “Statement Delivery Preferences” section, click and review the Electronic Statement Agreement and enter the Disclosure Acceptance Code located at the end of the agreement in the corresponding field on the screen to accept the disclosure. Once accepted you can choose which accounts will receive eStatements by selecting Electronic or Paper from the “Enrollment Preference” drop downs located next to each account. Click the “Accept & Update Preferences” button to confirm your delivery preferences.

The option to “Send a Travel Notification” is located in the Service Center which is accessed by clicking on your name in the upper right-hand corner of the screen. To submit this notification, simply enter your card number, the dates you will be traveling, and your destination. Click Submit to send the notification to Customer Care.

If you lost, misplaced, or had your bankESB Debit card stolen or you believe that you have unauthorized card-based transactions posted to your account, you now have the ability to disable your card immediately by simply clicking on the “Deactivate” button for the corresponding card on the Activate/Deactivate my Debit card page or in the Mobile Banking app. Even better, if you have disabled your card but then subsequently find or retrieve your card, simply click the “Reactivate” button that will appear below to instantly use your card again.

To do this, visit the Service Center when logged into Online Banking, or the Main Menu on our mobile app to access this feature.

Alerts are located in the Service Center. Click on your name on the top right of the screen > Service Center > Manage My Alerts > My Alerts. To begin, navigate to the Add Notification Subscription, select the alert you wish to activate, and click Add Subscription.

Under the Service Center menu, click Quicken and QuickBooks. On this page, scroll to the “Register for Direct Connect” section and simply click the Enroll button.

Contact bankESB Customer Care at 855.527.4111 or click Forgot Online User ID.

In order to protect your account information from unauthorized users, we allow only a certain number of failed attempts for entering your Password and Online User ID. If you exceed these attempts, your account access will be locked. First, try selecting “Forgot Password?” to reset your password and unlock your account. If you are still locked out of your Online Banking account, call Customer Care at 855.527.4111.

There are several reasons a transfer might fail. Generally, transfers will fail due to insufficient funds in the account you are trying to transfer from. If funds are available, call Customer Care at 855.527.4111.

To request that payment be stopped on a check that you have written, please complete the information located on the stop a check payment page.

Submitting this request online represents authorization to bankESB to place a stop payment on the selected account and item. An online request to stop payment on a check or series of checks does not guarantee that the check will be stopped, as the item may have already been processed and posted to your account. You will be notified if there is a problem in placing the stop payment you have requested.

When you approve the stop payment the fee will be automatically deducted from your account. Click here to view our fee schedule for the stop payment fee amount.

Please note that you cannot use this function to stop payment on a payment processed through online Bill Pay. To cancel or stop online Bill Pay call Customer Care at 855.527.4111.

In requesting a stop payment, you agree 1) that you must notify us in writing to cancel this order if and when the reason for the stop payment ceases to exist; 2) that the closing of the account upon which this check is drawn will automatically cancel this order and 3) that this order expires and is no longer in effect six (6) months from the date that this order was placed unless you have already cancelled or renewed the stop payment order.

Apple Pay® is a payment feature integrated into the Wallet® app on your iOS device that lets you add your bankESB debit card to make purchases at participating retailers in stores, using Near Field Communication (NFC) technology, or in app.

To add your bankESB Debit card to Apple Pay®, follow the Apple Pay® Instructions. Apple Pay® provides the same benefits as your physical card, with the convenience of making secure transactions on your iOS device. Use Apple Pay anywhere contactless payments are accepted and to make purchases in app with participating apps.

Near Field Communication (NFC) is a short-range wireless technology that allows two devices to exchange payment information quickly and conveniently at close proximity. Apple Pay® uses NFC technology to transmit payment information from your phone to the contactless payment terminal.

Apple Pay is available in stores that accept contactless payments. Click here to learn where to use Apple Pay®. You can also identify if a merchant accepts contactless payments by looking for at least one of these symbols in the store:

Apple Pay is integrated into the Wallet® app, which comes pre-installed on your eligible iPhone 6 or newer device. For a full list of eligible devices click here. You will be given an opportunity to configure Apple Pay® upon setup of your device.

Please note, Apple Pay® on the Apple Watch will not be set up through Wallet®. You can load your bankESB debit card to the Apple Watch app on the paired iPhone. An alert will be displayed on the watch upon card activation.

Add your card to Apple Pay in three simple steps.

iPhone or iPad

• Open the Wallet® app
• Tap the plus sign in the upper right corner
• Add your bankESB Debit card by using the iSight camera to instantly capture your card details or by entering them manually.

Apple Watch

• Open the Apple Watch app on your iPhone
• Tap “Wallet & Apple Pay” and select “Add a Credit or Debit card

Add your bankESB Debit card by using the iSight camera to instantly capture your card details or by entering them manually.

Customer may be prompted to call their banking institution to have Apple Pay activated on their debit card.

The first card you add to Apple Pay automatically becomes your default payment card. To change your default card, go to “Settings” on your supported iPhone and select “Wallet & Apple Pay.” From there, you will be able to choose your default card.

If you need additional support with adding your bankESB debit card to Apple Pay, please contact Customer Care at 855.527.4111.

In-Store Purchase

To make an in-store purchase simply hold your device near the contactless reader after entering your passcode or your biometric ID in Apple Pay. A subtle vibration and beep will confirm the transaction is complete.

To make an in-store purchase with your Apple Watch, double-click the side button and hold the face of your device near the contactless reader. A gentle pulse and tone confirm that the transaction is complete.

In-App Purchase

To make a purchase in-app select Apple Pay as the payment option in the app and enter your passcode or biometric ID to complete.

There is no cost to use Apple Pay® with your bankESB debit card. However, an active data plan with a mobile carrier is required. Based on your wireless plan and mobile carrier’s offering, additional data charges may apply.

Yes. You can continue to use your plastic card as you usually would after you have added it to Apple Pay®.

You will receive a notification on your phone if your transaction was successfully paid.

You may need to sign a receipt, depending on the merchant.

You can make a return by contacting the merchant directly, as you would with any payment made via your plastic card. When making a return, we recommend that you bring your receipt and the device used for the purchase.

Different merchants have different return policies, and some only accept the return if you have the method of the payment you used for the initial purchase.

Apple Pay® is locked when the device is locked. A device passcode or Biometric ID is required per transaction in order to use Apple Pay®.

A device account number (token) is a substitute account number that replaces your card number and is used to make secure purchases in stores and in app. A device account number will not work outside of the secure payment environment.

If you replace or update your device, you will need to add your card(s) again to Wallet® as new Apple Pay® setup.

If your device is lost or stolen, you can suspend Apple Pay® by using the “Find my iPhone” app or visiting www.icloud.com and selecting the option for “Lost Mode.” You will also be given the option to “Erase All” on www.icloud.com. This will delete all cards from Apple Pay and the Secure Element. If in doubt regarding the status of your bankESB debit card in Apple Pay®, please contact Customer Care at 855.527.4111 and we’ll assist you with suspending your cards in Apple Pay, allowing you to continue to use your plastic cards. If you find your phone, you can unsuspend Apple Pay® by following the prompts on your phone or via “Find my iPhone” app.

Google Pay™ provides owners of Android® devices the ability to use their Android phone to make in store or in-app payments using your bankESB debit card with participating merchants.

Google Pay™ uses Near Field Communication (NFC) to make a secure bankESB debit card transaction between your smartphone and the payment terminal. You’ll be prompted to tap your phone to the contactless payment terminal when it’s your turn at the counter.

Near Field Communication (NFC) is a short-range wireless technology that allows two devices to exchange payment information quickly and conveniently at close proximity. Google Pay™ uses NFC technology to transmit payment information from your phone to the contactless payment terminal.

In order to use Google Pay™ in-store, a merchant must accept contactless payments. To identify if a merchant accepts contactless payments, look for at least one of these symbols in the store:

You can also use Google Pay™ while shopping in participating merchant apps.

You will need an NFC-enabled Android phone running KitKat 4.4 or newer. You can check in your phone’s settings to see if NFC is enabled. Google Pay™ may be preloaded on select devices. If your device does not have the app, simply download it from the Google Play™ Store.

Google Pay™ requires that you sign into your Google account before you register your bankESB debit card. During the setup of Google Pay™, you will be prompted to create a Google Pay™ PIN, pattern, or password. For select devices running Android Marshmallow 6.0 or later, you may use your biometric ID to verify transactions.

If you need additional support with adding your bankESB debit card to Google Pay™, please contact Customer Care at 855.527.4111.

For the eligible Android phones, the first card you add to Google Pay™ automatically becomes your default payment card. To change your default card, go into the Google Pay™ app, click on your bankESB debit card and select “Set as default card”. If you have more than one card loaded, you can tap and hold to drag your bankESB debit card to the top of wallet “default” stop.

Once your eligible bankESB debit card is registered for Google Pay™, select Google Pay™ as your default wallet. Settings vary by device manufacturer and model, so if you need help setting Google Pay™ as the default option for making mobile payments, please contact your mobile service provider. Once Google Pay™ is the default wallet, paying is as simple as unlocking your device and holding the device up to the NFC contactless reader at the POS. Ensure that your bankESB debit card is set to the default card.

1. Tap your device against the contactless payment terminal. The two devices should be almost touching.
2. Your phone will show a green check mark and beep or vibrate to show your payment was made.

To make purchases within participating merchant apps on your Android phone, simply select Google Pay™ at checkout. Your default card in Google Pay™ will be used to complete the transaction.

There is no cost to use Google Pay™ with your bankESB debit card. However, an active data plan with a mobile carrier is required. Based on your wireless plan and mobile carrier’s offering, additional data charges may apply.

Yes. You can continue to use your plastic card as you usually would after you have added it to Google Pay™.

For in-store and in-app purchases you will see a confirmation screen in addition to a transaction notification on your device. You can also view all your Google Pay™ transactions within the App.

You may need to sign a receipt, depending on the merchant.

Yes. With purchases made with Google Pay™, you use your virtual account number to process a return. You will follow a similar process as you do for regular returns, but in addition to the paper receipt, you may need to tap your device to the payment terminal again to complete the return. To view the last four digits of the virtual account number, go to “Card details” or “Transaction details.” Alternatively, hold your device near the contactless terminal and select the card you used to make the purchase.

Different merchants have different return policies, and some only accept the return if you have the method of the payment you used for the initial purchase.

Google Pay™ is locked when the device is locked. A PIN or Biometric ID is required per transaction in order to use Google Pay™.

A digital account number (token) is a substitute account number that replaces your card number in each transaction. This means that your actual information isn’t shared when you shop your card details stay safe.

Whether your card is replaced because it is lost or stolen, or if the card has expired, in most cases your new card will be automatically associated to the existing Digital Account Number (Token) in your device and continue to be used for payments in Google Pay™. If, for some reason, bankESB could not re-add your new card to the existing Digital Account Number (Token), you will see a notation in the Google Pay™ App that the card is not active for use. You can then re-add your card, as you did initially to make it active again.

If your phone is lost or stolen, you can lock your phone and suspend Google Pay™ by using the Android Device Manager. You can also call Customer Care 855.527.4111 and we’ll assist you with suspending the cards in Google Pay™, allowing you to continue to use your plastic cards.

If you replace or update your device, deactivating your old device will automatically delete the Digital Account Number (Token) associated with the old device. You will have to register your cards to your new device to use Google Pay™, the same way you registered the first time.

Samsung Pay provides owners of select Samsung Galaxy devices the ability to use their Galaxy phone to make payments almost anywhere you can swipe or tap your bankESB debit card.

Select Samsung Galaxy devices are equipped with Near Field communication technology (NFC) that transmits the tokenized version of the debit card payment credentials securely to a merchant terminal. In addition to NFC, Samsung Pay supports a new proprietary technology, Magnetic Secured Transmission (MST), which transmits the same secure tokenized debit card payment credentials. See below for more information about NFC and MST.

Near Field Communication (NFC) is a short-range wireless technology that allows two devices to exchange payment information quickly and conveniently at close proximity. Samsung Pay uses NFC technology to transmit payment information from your phone to the contactless payment terminal.

Magnetic Secure Transmission (MST) replicates swiping a physical card at the payment terminal by securely sending payment information directly to the magnetic strip card reader without touching it. Samsung Pay uses NFC technology or MST to transmit payment information from your phone to the contactless payment terminal.

Samsung Pay can be used almost anywhere you can use a credit card to make purchases, or wherever contactless payments are accepted. Plastic cards may need to be used where contactless payments are not accepted (Ex. Gas Station Pumps).

The availability will vary by mobile network operator. The app will appear when customers install the most up-to-date operating system. Samsung Pay will be a preloaded app on upcoming Samsung devices. The app is not available for download on unsupported devices. Click here to find an up-to-date list of Samsung Pay compatible devices.

Samsung Pay requires you to sign into your Samsung account before you register your bankESB debit card. If you do not have a Samsung account, create an account by clicking “sign up”. During the setup of Samsung Pay you will be prompted to scan your Biometric ID and enter a PIN, so you can authenticate future purchases.

1. Choose the Samsung Pay icon, and log in using your Samsung account information. If you do not already have a Samsung account, you can create one.
2. Once logged in, select “Add Card” to begin the process of adding your card. Center the card in the on-screen window and Samsung Pay will read the card number. Or you can enter the card information manually. Once all requested information has been added, review and confirm card details.
3. Review and Accept the Terms and Conditions.
4. You may be prompted to call bankESB at 855.527.4111 and speak with a Customer Care Representative that will activate your card. Once your card has been activated, your card is ready for use in Samsung Pay.

If you need additional support with adding your bankESB debit card to Samsung Pay, please contact Customer Care at 855.527.4111.

Once your eligible bankESB debit card is registered to Samsung Pay, activate the Simple Pay feature of Samsung Pay by swiping your screen from the bottom just above the Home key, towards the top of the screen.

The most recently added or used card is displayed. Swipe left or right to scroll through your registered payment cards.

When you have the desired card selected, use your biometric ID to verify your biometric ID or touch Enter PIN to enter your Samsung Pay PIN.

Samsung Pay will indicate that you are ready to make a payment.

For NFC Payments

1. Hold the phone above the NFC reader on the payment terminal.
2. Align the camera with the NFC logo.
3. The two devices should be almost touching.
4. You will see a confirmation screen in addition to a transaction notification on your device.

For MST Payments

1. Hold the phone closely to the terminal.
2. Align the camera to face the magnetic stripe card reader.
3. The two devices should be almost touching.
4. You will see a confirmation screen in addition to a transaction notification on your device.

To make purchases within participating merchant apps on your Samsung phone, simply select Samsung Pay at checkout.

For in-store purchases you will see a confirmation screen in addition to a transaction notification on your device. You can always view your Samsung Pay transactions in the Samsung Pay app.

There is no cost to use Samsung Pay with your bankESB debit card. However, an active data plan with a mobile carrier is required. Based on your wireless plan and mobile carrier’s offering, additional data charges may apply.

Yes. You can continue to use your plastic card as you usually would after you have added it to Samsung Pay.

You may need to sign a receipt, depending on the merchant.

The return policy will vary by merchant. You can return items purchased using your card with Samsung Pay by:

• Providing the merchant with the last four digits of your digital card number instead of your physical card account number. The last four digits of your digital card number for your card are listed to the left of the card in the Samsung Pay app.
• Or, by using the same card with Samsung Pay you used to make the purchase to complete the return at the merchant’s card or contactless reader.

Please remember to keep the original receipt you received from the merchant at the time of purchase as the transaction details listed in Samsung Pay are not an official receipt.

Samsung Pay is locked when the device is locked. A PIN or Biometric ID is required per transaction in order to use Samsung Pay.

A digital account number (token) is a substitute account number that replaces your card number in each transaction. This means that your actual information isn’t shared when you shop and your card details stay safe.

Whether your card is replaced because it is lost or stolen, or if the card has expired, in most cases your new card will be automatically associated to the existing Digital Account Number (Token) in your device and continue to be used for payments in Samsung Pay. If, for some reason, bankESB could not re-add your new card to the existing Digital Account Number (Token), you will see a notation in the Samsung Pay App that the card is not active for use. You can then re-add your card, as you did initially to make it active again.

If your phone is lost or stolen, you can lock your phone and suspend Samsung Pay by using the Samsung Device Manager. You can also call Customer Care at 855.527.4111 and we’ll assist you with suspending the cards in Samsung Pay, allowing you to continue to use your plastic cards.

If you find your phone, you can unsuspend Samsung Pay by following the prompts on your phone or via “FMM”.

You can access Card Manager from within the bankESB Mobile Banking app.

Once you are signed into your Mobile Banking account, use the slide out menu located on the top left to access the menu.

1. Click on Card Manager
2. Click the button to launch the Card Manager app

If you have already installed the Card Manager app, you can click on the app directly to open it. Please note, the Card Manager app requires biometric login to access without the Mobile Banking app. Make sure this feature is enabled on your mobile device and the Card Manager app. To enable Biometric ID on the Card Manager app, click on settings and toggle the option to on.

From the Manage Cards Control Menu, select “Manage Spending.” Toggle on next to “Set limit per transaction” and enter the amount next to “Deny transactions exceeding”. If you wish to change the amount, simply enter a new amount. If you wish to turn off spend limit controls, simply toggle the “Set limit per transaction” off.

From the Manage Cards Control Menu, select “Locations” to control where a card is used by either choosing to block international transactions or specifying a location radius where transactions are allowed. Location limits apply only to in-store transactions. E-commerce transactions will not be declined even when a location limit is activated. To set a radius location limit, simply enter an address and choose the radius size around the address. In-store transactions attempted outside the set radius will be declined. Location limits can be disabled or changed at any time.

From the Manage Cards Control Menu, select “Merchants”. Toggle on next to “Enable Merchant Controls” to set the merchant limits. Then, select the merchant type from the list of merchants. Click on the desired merchant, and toggle on.

You can choose to allow certain cards to be used only for specific types of merchants. For example, a card could be designated for use only at gas stations – and all other merchant types could be blocked for that specific card. These limits apply to online e-commerce transactions as well as in-store transactions.

Click on “Alerts & Controls”. Then click “Manage Card Alerts”. Choose to set alerts for all transactions or customize the alerts you receive. To set alerts for all transactions, simply click “Send me alerts for all transactions”. To customize alerts, click “Let me customize my alerts”. Then, click on the types of alerts from the list you would like to receive, including locations, spend limit, merchant types, or transaction types. An alert is active if it says “ON” next to it.

You can call our Customer Care team at 855.527.4111 and they can assist you.

Yes! To lock your debit card, simply click “Lock Card” on the main screen of the Card Manager app. To unlock your debit card, click the “Unlock Card” icon on the main screen.

Yes! You can use transaction controls for merchant codes, locations, transaction types, and thresholds to ensure employee spending adheres to company policies. For example, you can set controls to allow a card to be used to pick up office supplies, but not for personal purchases.