How do I setup and use Apple Pay?

Setting up Apple Pay is easy. Check out the steps below to set up your nbkc debit card in your Apple Wallet.

Important: You must have received and activated your physical nbkc debit card before you can add it to your Apple Wallet. The CVV number from your physical card is required for the activation process.

1. Open the Wallet app on your iPhone.

2. Tap the + icon.

3. Do one of the following:

   • Add a new card: Tap Debit or Credit Card, tap Continue, then position your card so it appears in the camera frame, or enter the card information manually.

   • Add previous cards: Tap Previous Cards, then choose any cards you previously used. These cards may include the card associated with your Apple ID, cards you use with Apple Pay on your other devices, cards you added to Safari AutoFill, or cards you removed from Wallet. Tap Continue, authenticate with Face ID or Touch ID, then follow the onscreen instructions.

4. Follow the prompts to verify your card. This verification process typically includes confirming your full 16-digit card number, answering additional verification questions, ensuring your email address on file is up to date, and in some cases verifying recent account activity (such as your last deposit or recent transactions).

5. You may need to verify your identity during the process. This typically involves confirming your full card number, ZIP code, and possibly recent transaction information. Card verification is a security measure to ensure you're the rightful owner of the card and to prevent unauthorized setup or potential fraud.

6. For security purposes, Apple Pay activation may require direct phone verification and cannot be completed through chat support. Our team can help verify your card, resolve any potential blocks, and assist with the activation process.

7. If you run into any issues during setup, please contact our customer support team at 866‑931‑0850, Monday–Friday from 7 AM to 6 PM CST. We can verify that your card is active and compatible with Apple Pay, ensure your information is up to date, and help troubleshoot any error messages. If the problem appears to be on Apple’s end, we may recommend reaching out to Apple Support.

When linking your debit card to Apple Pay, ensure that you have the latest version of the Wallet app and that your card is properly activated.

Troubleshooting Apple Pay Setup

• Verification requests: If Apple Pay prompts you to verify your card with your bank, carefully follow the on-screen instructions. This may involve additional authentication steps using Face ID, Touch ID, or responding to specific verification prompts.

• Card is denied in Apple Pay: If your card is declined, please contact us at 866‑931‑0850 so we can review your card status, check for any holds or other restrictions, and, if necessary, help push the activation through in Apple Pay. If we’re unable to find any issues on our end, you may need to reach out to Apple Support for further assistance.

• Replacement cards: If you've recently ordered a replacement card, you may experience difficulties adding your current card to Apple Wallet. Try adding the new, activated card once it arrives and is enabled, and contact customer support if you continue to have issues.

• Activation issues: Problems can occur due to pending card replacements, account restrictions, or system synchronization. Contact Customer Support for additional assistance.

• Business account cards: Business debit cards may occasionally be declined due to transaction limits, merchant-side issues, or temporary authorization problems. If you experience repeated declines with Apple Pay, contact us so we can review your card status and any potential transaction limitations.

• Fees: nbkc does not charge fees for using Apple Pay. However, third-party providers like Apple may have their own fees, so review Apple's terms and conditions before making a payment.