How does mobile wallet work?

With mobile wallet, each transaction is securely encrypted, meaning your actual card or account numbers are never shared with the merchant. Mobile wallet also adds an extra layer of protection as each transaction requires the user to verify via face ID, touch ID, fingerprint or passcode.

Mobile wallet works by using contactless technology, allowing your phone to complete transactions through nearby payment terminals. When a mobile device is used for purchases, the merchant will send a secure, encrypted code through the network and route the transaction to Gate City Bank.

Mobile wallet transactions may be used in stores, within apps or on the web. For in-person transactions (in a store, for example), simply:

1. Open the mobile wallet app and verify the transaction by using the options compatible with the mobile device:
   • Facial recognition
   • Fingerprint ID scanner

   • Your passcode (used to secure the device)

2. Tap the phone to the card reader (Apple Pay/Google Pay/Samsung Pay) or hold the top of the phone a few centimeters beside the magnetic stripe reader. When the transaction is complete, your mobile device will display "Done," and a checkmark will display on the device.

It’s easy! Simply select the desired account in the Gate City Bank mobile app and tap on the search icon at the top of the screen to look for the transaction you’re thinking of.

Our free¹ mobile app is an easy-to-use service that enables you to access your account information, transfer funds and pay your bills from an iOS or Android mobile device.

Download our mobile app today!