Why Use a Digital Card?
Waiting for your card to arrive shouldn't slow you down.
Faster Access
Get access to eligible new and replacement cards through the SCCU Mobile App so you can start using your card sooner.
Built-In Security
Add your eligible SCCU card to a supported digital wallet and take advantage of security features designed to help protect your card information.
Everyday Convenience
Pay online, in-app, or in-store using your preferred digital wallet.
Card Controls at Your Fingertips
Lock, manage, and monitor your digital card from Manage Cards within Online and Mobile Banking.
Who's Eligible for a Digital Card?
✓ Available For
- • New SCCU consumer debit and credit cards
- • Replacement consumer debit and credit cards issued due to loss, theft, or compromise.
✕ Not Currently Available For
- • Standard expirations and renewals
- • Business debit or credit cards
- • Existing cards already stored in a digital wallet
How It Works: Choose Your Path
Path 1: Text Message Link
If you're new to Online Banking or just want the fastest route, keep an eye on your mobile phone.
Receive the Text
A personalized invite link will be sent to you via SMS from SCCU.
Verify Your Identity
The link will take you to SCCU's secure card portal, where you'll complete a quick identity verification step.
One-Time Passcode
For your protection, a secure authentication token will be sent using your information on file.
Push to Your Wallet
Accept the Digital Wallet Terms and Conditions, then tap the Apple Pay, Google Pay, or Samsung Pay icon on your screen. The system will securely provision your card directly into your phone's wallet with no manual typing required.
Standard message and data rates may apply. SCCU will never ask for your full card number, PIN, password, or one-time passcode by text, email, or phone.
If you receive a suspicious message, do not click any links—call SCCU directly at (800) 447-7228 to verify.
Path 2: Online or Mobile Banking
If you already use Online Banking or the SCCU Mobile app, you can skip the text message.
Log into SCCU Online or Mobile Banking
Navigate to Manage Cards
Select Your New Card
Tap Add to Wallet
Designed for Security and Convenience
Use your digital card through a supported digital wallet to make purchases online, in-app, or in-store. Security Features Include:
Flexible Payments
Use your preferred digital wallet for eligible purchases online, in-app, or in-store.
Enhanced Security
Your actual card number is not stored on your device or shared with most merchants.
Contactless Convenience
Pay by simply tapping your phone or smartwatch anywhere contactless payments are accepted.
Always Ready
Your SCCU card can be available on your mobile device before your physical card arrives.
Compatible device required.
One Account. Multiple Ways to Pay.
Use your digital card through your preferred digital wallet, then activate and use your physical card when it arrives.
Both are connected to the same SCCU account, giving you flexibility to pay the way that works best for you.
Frequently Asked Questions
▸ When can I start using my digital card?
For eligible cards, your digital card may be available shortly after approval or card replacement.
▸ Are digital wallets secure?
Digital wallets use tokenization and supported device authentication features designed to help protect your card information.
▸ What happens when my physical card arrives?
Once activated, your physical card and digital wallet remain connected to the same account for continued card access.
▸ I received a text message about my digital card. Is it safe?
Yes. If you recently opened an account or reported a card lost or stolen, SCCU sends a secure SMS to your mobile number on file to give you faster access. SCCU will never ask you to reply with your password, PIN, full card number, or one-time passcode. If you're unsure whether a message is from SCCU, reach out to us at (800) 447-7228 to verify.
▸ My current card expires next month. Can I get a digital card for it?
Standard card expirations keep your existing card number, so digital issuance isn't needed. Your physical replacement card will arrive automatically in the mail before your current card expires, and your existing digital wallet connections will update behind the scenes.
▸ What if my digital card doesn't appear in the SCCU Mobile app?
Not all cards or accounts may be eligible. Reach out to us at (800) 447-7228 for assistance.
▸ What happens if I lose my phone?
Lock your card immediately through Manage Cards on another device and reach out to us at (800) 447-7228. Your digital wallet provider also offers tools to remotely disable your wallet on a lost device.
▸ Can I add my SCCU card to multiple devices?
Yes, in most cases. Adding your card to multiple devices is subject to your digital wallet provider's terms and device limits.