Luminate Digital Wallet

A faster, safer way to pay—anytime, anywhere.

Pay bills faster with peace of mind.

Enjoy a more convenient, secure way to shop with the Luminate digital wallet. Add your Luminate Bank credit and debit cards to Apple Pay®, Google Pay™, or Samsung Pay and enjoy the freedom of paying in-store, in-app, or online, all without reaching for your physical wallet.

Why use a digital wallet with your checking account?

Gone are the days of fumbling through cards at checkout. With the Luminate digital wallet, you can:


  • Pay securely in person, in apps, or online.
  • Store your debit and credit cards safely in one place.
  • Make purchases in seconds. Just tap, pay, and go!


Start Using Your Digital Wallet Today

Adding your Luminate Bank cards is easy:


  1. Open Apple Pay®, Google Pay™, or Samsung Pay on your mobile device.
  2. Add your Luminate debit or credit card.
  3. Verify your card details and start shopping with ease

Benefits of the Luminate Digital Wallet

Shield with padlock, checkmark, security icon.

Stronger Security

Your actual card number is never stored or shared when you make a purchase. Instead, a unique token is used for each transaction, helping prevent fraud and unauthorized use.


  • Your real card number isn’t stored in the wallet or shared at checkout
  • Every payment uses a one-time, unique transaction code
  • Transactions are encrypted for secure shopping
  • Protected by your device’s passcodes and biometrics
Shopping cart with a checkmark, being clicked.

Save Time While You Shop

Make purchases in just seconds. No more digging for your wallet or typing in card details.


  • Hold your phone over the payment terminal to pay instantly
  • Check out quickly online with cards saved to your wallet
  • Make secure in-app purchases without re-entering payment info
Hand holding a phone making a payment; cash is being transferred.

Contactless Payments Made Simple

Pay safely without swiping or inserting a card. Just tap your mobile device to the terminal and you’re done. Fast, convenient, and touch-free.

Need assistance?

We’re here to make setup simple. If you have questions or need help linking your digital wallet with your checking account, our team is happy to assist.

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