Digital Issuance

Waiting on your physical credit card? Digital Issuance is Here!

Don’t miss a beat in your purchasing power! Add your credit card to your mobile wallet before it expires and the replacement card arrives.

With our Digital Issuance feature, it provides secure real-time ability for our members to continue to transact digitally without interruptions - even in the absence of your physical card through push provision of credit card from our GIFCU Card Control app to the cardholder’s mobile wallet.

Benefits and Features of Digital Issuance

  • Push Provisioning - Credit Cardholders can push active card and/or new card information after a lost or stolen incident directly from GIFCU Card Control app to any of the three major Digital Wallets: Apple Pay, Google Pay, and Samsung Pay. This enables purchases wherever Digital Wallet payments are accepted even while your physical card remains inactive in the mail.

  • Automation - Digital Issuance allows Credit Cardholders the capability to automatically associate a credit card that is newly generated with the older credit card that was either lost or stolen. The benefit here is that it can be replaced without requiring the cardholder to manually add or authenticate the card and it immediately adds your new card in GIFCU Card Control app after a Lost/Stolen.

  • Credential Access - Credit Cardholders has access to view the full card number, expiration date, and CVV information after completing the multi-factor authentication process.

Terms and Conditions and Privacy Policy For Adding Your Garden Island FCU Credit or Debit Card to Mobile Wallet Service

These Terms and Conditions (the “Terms”) apply when you choose to add a Garden Island FCU credit card or debit card (“Garden Island FCU Card”) to a Mobile Wallet Service. In these Terms, “you”, “your”, “their”, and “my” refer to the cardholder of the Garden Island FCU Card, and “we,” “us,” “our,” and “Garden Island FCU” refer to the issuer of your Garden Island FCU Card. By selecting the check box entitled “I have read, and I understand and agree to the Garden Island FCU Mobile Wallet Service Terms and Conditions,” you agree to all terms, conditions, and notices contained or referenced in these Terms and you are providing your express consent.

What is a Mobile Wallet Service? A Mobile Wallet Service (“Wallet”) allows you to add your Garden Island FCU Cards to an application using your Mobile Device. Your Garden Island FCU Card number is replaced with a digital number or token. Once added, you understand that you may use your Mobile Device to make payments only where the Wallet is accepted. Garden Island FCU is not a provider of the Wallet and we are not responsible for any failure or inability to perform a transaction using the Wallet. We are only responsible for supplying information securely to the Wallet provider to allow usage of the Garden Island FCU Card in the Wallet.

Eligibility

Active Garden Island FCU Card accounts that are in good standing are eligible to be added to a Wallet. If your Garden Island FCU Card or any underlying (Garden Island FCU) account becomes delinquent, is in a negative status or is otherwise maintained in an unsafe manner as determined by Garden Island FCU in its sole discretion, your Garden Island FCU Card may be removed by Garden Island FCU from the Wallet for continued use.

Relationship to Other Agreements

You agree that when you add your (Garden Island FCU) Card to a Wallet service, your Garden Island FCU Card and account will remain subject to the terms and conditions of all existing agreements with Garden Island FCU. You acknowledge that certain message and data rates may apply from your wireless service providers and/or wireless carriers which might impact your use of the Wallet. For example, your mobile service carrier or provider may impose data usage or text charges for your use of or interaction with the Wallet, including downloading the software, receiving or sending text messages, or other use of your mobile device when using the software or other products and services provided by the Wallet. You expressly agree that you are responsible for all such fees, limitations, and restrictions and that we may contact you via your mobile device for any purpose concerning your accounts at Garden Island FCU, including account servicing and collection purposes.

Account Ownership/Accurate Information

You represent that you are the legal owner of the account and other financial information which may be accessed via the Wallet. You represent and agree that all information you provide in connection with the Wallet is accurate, current, and complete, and that you have the right to provide such information to us for the purpose of operating the Wallet. You agree not to misrepresent your identity or your account information.

Measures to Maintain Your Privacy and Security

Once you have added your Garden Island FCU Card to a Wallet service, Garden Island FCU is responsible for securely transmitting your information to your Wallet service provider. Your information is only sent through secure channels. You agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your Garden Island FCU Card transactions, and to improve our ability to offer these services. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider. You agree not to leave your Mobile Device unattended while logged into the Wallet and to log off immediately at the completion of each access by you. You agree not to provide your password or other access information to any other person. If you believe that someone may have unauthorized access to your Mobile Device, you agree to immediately cancel your access to the Wallet associated with the Mobile Device. You agree to provide us with immediate notice in the event you suspect fraud or any unauthorized access to any of your accounts. You agree to comply with all applicable laws, rules and regulations in connection with your Garden Island FCU Card.

You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Wallet.

We may in some cases make individually identifying information available only in the following circumstances: where ordered by a court or other legal body or where it is lawfully permitted or required; where we have agreed to provide information under contracts to vendors and partners to make products and services available to our members; or where the member has requested or consents to the disclosure of information. In those cases where we disclose information to outside vendors, we require that they use it for no purposes other than providing previously specified services to our members.

Changes in these Terms and Conditions

Except as otherwise required by law, Garden Island FCU may in its sole discretion change these terms, and modify or cancel the eligibility to use your Garden Island FCU Card with a Wallet service at any time, without notice. You cannot change these terms but you can terminate them by removing your Garden Island FCU Card(s) from the Wallet. Garden Island FCU reserves the right to refuse any transaction for any reason.

Exclusion of Warranties; Limitation of Liability; Indemnification

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF A MOBILE WALLET SERVICE IS AT YOUR SOLE RISK. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WALLET IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND Garden Island FCU IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. Garden Island FCU MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OR DATA THAT YOU OBTAIN THROUGH THE USE OF A WALLET.