Apple PayTM Frequently Asked Questions

What do I need to use my Fremont Bank debit card in Apple Pay?

  • Apple Pay in stores and within apps is supported on iPhone 6, iPhone 6 Plus or newer models 
  • iPad Air 2 or iPad Mini 3 or newer models (Apple Pay within apps)
  • iOS 8.1 or later
  • Touch ID or passcode on your device
  • Fremont Bank debit card
  • United States as your selected region
  • iCloud account

How do I set up Apple Pay?

You can start using Apple Pay as soon as you add your debit card to the Wallet App (formerly the Passbook app). Open the Wallet App and tap “Set Up Apple Pay.” 
  • Select the icon in the credit and debit cards section
  • Use the camera on your device to capture your card automatically or enter your card information manually. 
Please note: Apple and MasterCard® will run the request through a number of risk parameters to ensure you are the valid owner of the card. Depending on the outcome of the validation, you might be referred to call us for additional authentication.

Where and how can I use Apple Pay to pay in a store or within apps?

In stores that accept contactless payments, you can use Apple Pay to pay with your eligible iPhone.

See list of merchants or look for one of these symbols at checkout:

Apple Pay icons

In apps, you can use Apple Pay with your eligible iPhone, iPad Air 2, iPad mini 3 or newer model to pay when you see the “Buy with Apple Pay” or “Apple Pay" button as a payment method.

Look for these buttons in apps:
Buy with Apple Pay

When I’m paying in a store using my Fremont Bank debit card in Apple Pay how will my experience be different?

When using your debit card via Apple Pay, your experience will be similar to when you use your actual debit card. You will still have an option of entering your debit card PIN or signing for your purchase. Purchases made with Apple Pay will look exactly the same on your statement.

Can I continue to use my physical debit card if I suspend or remove my card in the Wallet App?

When you suspend or remove your card in the Wallet App, your device account number is suspended or removed. You can continue to use your physical debit card. If your intention is to disable the card, please contact Fremont Bank’s call center at 800-359-BANK (2265).

What if my Apple device is lost or stolen?

If your device is lost or stolen, you can remove the ability to pay with Apple Pay using the cards on your device by erasing the device remotely using Find My iPhone or Removing All Cards by going to You may also contact Fremont Bank to perform the same action on your Fremont Bank-issued debit card. Until you receive your new device, you can continue to use your physical card without interruption.

How does Apple Pay keep my information secure?

Merchants never receive your actual card number.  Instead, they receive a token (device account number) unique to you. In case the merchant encounters a data breach, only the token is compromised and cannot be used to produce fake cards, keeping your debit card safe.

Can I remove my device account number stored on my Apple devices? 

Yes, you are able to easily delete the account from your device in the Wallet App.  If you delete your device account number, you will still be able to use your physical debit card.

Are my purchases protected under MasterCard's zero liability? 

Yes. Whether you use a digital account number or a physical Debit MasterCard, you are protected with MasterCard Zero Liability against fraudulent transactions1.

What if my physical card is lost or stolen? 

Please contact Fremont Bank as soon as possible at 800-359-BANK (2265). Once you receive your replacement card, you will need to add your new card to your mobile wallet. 

What should I do when I receive a new, renewed or replacement card? 

For any new or replacement cards, you will need to add the card to Apple Pay through the initial set up process. When a card enrolled in Apple Pay expires and is renewed, you will receive a new physical card with a new expiration date. Your renewed card information will automatically be updated from Visa to Apple Pay for you.  

1 The MasterCard Zero Liability policy covers US-issued cards only and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Touch ID, iPad Air, and iPad mini are trademarks of Apple Inc. App Store is a service mark of Apple Inc.