Turn your cell phone into your Wallet

Use your First National Bank debit card with  Apple Pay®, Google Pay, and Samsung Pay®.


  • Enjoy a seamless buying experience at eligible merchants.
  • It’s secure and safe.
  • Set it up easily and leave your cards at home.

Setup Instructions



What is the service?
Mobile payments like Apple Pay, Samsung Pay and Google Pay convert your debit card into a digital token. This allows merchants to accept in-store and online payments and transactions to be initiated with mobile devices via that token through a contactless payment or NFC technology.

What is a contactless payment?
Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.

What is NFC technology?
Near Field Communication (NFC) technology enables devices in close proximity to communicate. Payment transactions using NFC technology require a contactless merchant terminal and an NFC-enabled mobile device.

How secure is the service?

The safety and security of your account information is of the highest importance.

As a security measure, you may receive a "verification required" message when adding your card to any of these payment solutions. Once verified, an on-screen message will appear stating that the card is ready for use. This verification is part of our multi-layered approach to security in payments.

When you make payments using a mobile wallet: Your full card number is not shown to the merchant. And all transactions are monitored by our risk and fraud detection systems.

Additionally, consumers will be required to set up a passcode or Touch ID for their device. You will need to unlock your phone to make most purchases.

How can I download in the service?
For Apple Users: Find the Wallet App on the Home Screen > Add Credit or Debit Card
For Samsung Users: Navigate to and touch Apps > Samsung Pay and Install
For Android Users: Navigate to the Google Play store and Install the Google Pay App


I’ve downloaded the necessary App, but I was directed to call my financial institution. Why?
The users must verify their card in order to add the card to the service. After the card information is scanned or entered, First National Bank will send a one-time passcode to a selected method (via email or text message). Once the one-time passcode has been entered and setup has been completed, the service will be activated. If the only option is to call your financial institution, we do not have the required information to deliver your one-time passcode. The number for this verification process is 479-788-4600. Please note: This number may be noted on your device or app in reference to verification of your card, such as 'Contact First National Bank of Fort Smith' or 'Call your bank'.

When I use Apple Pay, Samsung Pay or Android Pay, does it use my debit card (PAN) information?
No. When the account holder initiates transactions with their mobile device, their digital account number (the token) and not the primary account number, will be used to process the transaction. Your debit card numbers are also not stored on the device.

Help! I’ve lost my phone. Do I need to cancel my debit card?
No, your debit card is not compromised. However, you will need to report that your phone as lost so that your token can be deactivated and a new one created. This can be achieved by either calling the 479-788-4600 or users can use the ‘Find My Device’ feature on Apple or the Android Device Manager, which, when active, allows users to suspend or delete tokens themselves. You may continue to use your debit card until a new token is created.

Will I continue to earn rewards and benefits from my  debit card when I pay?
Yes. When using this service, you will continue to receive applicable Rewards that your debit card provides.

I want to return something I purchased using this service. Can I?
Yes. The cashier can use the Device Account Number to find the purchase and process the return, just as they would with a traditional card.

My card expired and I received a replacement in the mail. Do I need to go through the setup process again?
No. For a card renewal, the new expiration date will be automatically provided from VISA, with no action required by you.

Can I continue to use my physical debit card if I suspend or remove my card in Wallet?
When you suspend or remove your cards in Wallet, your device-specific Device Account Number (this is not your bank account number) is suspended or removed. You can continue to use your physical card.

Where can I use Apple Pay?
You can use Apple Pay in participating stores, within apps and on websites using the Safari browser on your device. Apple watches may also be used for payments. For more Apple FAQs: Click Here

Where can I use Google Pay?
You can use Google Pay in eligible stores, often where you see contactless terminals. Android Wear watches may also be used for payments at eligible locations. For more Android FAQs: Click Here.

Where can I use Samsung Pay?
You can use Samsung Pay in eligible stores, often where you see contactless terminals. To make a payment, place the back of your device on the card or NFC reader on the payment terminal. The Galaxy Gear S2 (with NFC only) & Gear S3 watches may also be used for payments. For more Samsung FAQs: Click Here .


Note:  Message and data rates may apply; contact your cellular provider for information on your mobile contract. Call us at 479-788-4600 if you are experiencing any issues. iPhone® is a trademark of Apple Inc., registered in the U.S. and other countries. App Store SM is a service mark of Apple Inc.  Google Pay  is a trademark of Google Inc.