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

A black heart icon on a white background.

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
A black heart icon on a white background.

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
A black heart icon on a white background.

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.

Sunroom with two wicker chairs, blue walls, and wood floor. French doors lead to another room.

What’s Ahead for the Housing Market in 2025?

By webadmin • July 24, 2025
Whether you're buying, selling, or just staying informed, we have a few insights on what experts are saying about home prices, mortgage rates, and what it all means for your next move.
Grandmother bakes with her three grandsons in a modern kitchen. They are smiling and mixing ingredients in a bowl.

Could a Multi-Generational Home Help You Afford Homeownership?

By webadmin • July 16, 2025
Multi-generational living isn’t just a passing trend but is instead becoming a go-to strategy for today’s homebuyers. So what’s fueling this shift? In one word: affordability.
Group of people holding a large check indoors. A

Luminate Bank Powers $90K Investment into Housing in Action to Advance Housing Equity

By webadmin • July 15, 2025
Through a Strategic 3:1 Match with FHLB Des Moines, This Grant Supports Long-Term Solutions for Underserved Communities
Show More