800-622-3631
Routing #: 314978543
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800-622-3631
Routing #: 314978543
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What is a Digital Wallet?

December 31, 2025
Est. Reading: 2 minutes
Person using smartphone

“Don’t forget your wallet” or “Where did I put my wallet?” are phrases we hear all the time. Thanks to modern technology, it’s not the end of the world if you occasionally leave your wallet at home (though remember—some situations still require physical identification). 

Thanks to “digital wallet” options, there is no need to panic if you manage to misplace your wallet or simply forget your wallet at home! Digital wallets have become more in demand by the everyday consumer. Digital wallets allow you to use your smartphone to make payments, store gift cards, insurance cards, and most importantly a place to store your virtual debit cards! 

 If you do not have a digital wallet, we’ve compiled a list of a reasons why you should consider adding one to your routine:  

For your convenience 📱

Adding your debit or credit card to your digital wallet is all about convenience. If you forget your physical wallet, many retailers now accept contactless payments. Digital wallets make purchases quick, efficient, and hassle‑free. 

Contactless Payments (Post-Pandemic)  📼

Since the rise of COVID-19, contactless payments have become a way of the new consumer life. This is the new and improved way to ensure hygiene and safety are always a priority. Simply take out your mobile device and “tap to pay”—a cleaner and more secure option than handing your physical card to a merchant. 

Security  

Digital wallets offer strong protection for your financial information. They typically include: 

  • Authentication (Face ID, fingerprint, or PIN) 
  • Encryption, which encodes your sensitive data 
  • Tokenization, which replaces your actual card number with a unique token for each purchase 

These layers of security help keep your information safe. 

Multi-Factor Authentication (MFA)  

MFA adds an extra layer of protection. You may receive a one‑time code on your phone to verify your identity before completing certain actions—another safeguard to keep your information secure. 

Do you have your Rally debit card on your digital wallet?  

Your Rally Credit Union debit card is just a step away from becoming digital!  

Through Your Phone: You can also add your Rally debit card to Apple PaySamsung Pay or Google Pay and use your phone for transactions—no need to carry your physical card.  

Adding your Rally debit card is simple. Use these steps to add your Rally debit card:  

  1. Log in to the Rally App.  
  1. Go to Menu > Smart Card > Add your debit card to your digital wallet
  1. Verify your identity using the one‑time passcode sent via email or text. 

Have a Question or Need Help? 

If you need extra assistance adding your card to your digital wallet, we are here for you!  Our Rally digital team is available by chat, video or audio! They can assist you step-by-step on how to add your card properly and assist you with most of your financial needs. 

https://rallycu.com/member-resources/contact/

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