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Contactless Payments: Safe, Secure & Built for Speed

Published: April 18, 2025

Contactless Payments: Safe, Secure & Built for Speed

As technology continues to evolve, so do the ways we make purchases. From tapping your card to paying with your phone or smartwatch, contactless payments are quickly becoming the go-to method for fast, convenient—and most importantly—secure transactions.

At USSFCU, your financial safety is our top priority. That’s why we’re sharing the facts on how these modern payment methods work and why you can trust them.

No Swiping, No Worries

Contactless payments use encrypted technology like Near-Field Communication (NFC) and Radio-Frequency Identification (RFID) to complete transactions with just a tap. Unlike swiping a card, which exposes your card number, contactless payments create a unique, one-time code for each transaction—making it incredibly difficult for fraudsters to intercept and misuse your information.

Types of Contactless Payments

Tap-to-Pay Cards:
Most modern credit and debit cards—including those issued by USSFCU—come equipped with contactless functionality. Look for the sideways Wi-Fi symbol to confirm.

Digital Wallets:
Apple Pay®, Google Wallet™, Samsung Pay®, and similar apps store your card info securely. Authenticate with your phone (PIN, Face ID, etc.) and simply hold it near the reader to pay.

QR Code Payments:
Some businesses accept payments through scannable QR codes that direct you to a secure checkout page or peer-to-peer app. Just be cautious—QR codes can be spoofed, so always verify you’re scanning from a trusted source.

Built-in Security You Can Count On

Worried about fraud? Rest easy knowing:

  • Encrypted Tokens: Your real card number is never shared.
  • Authentication Required: Mobile wallets require PINs or biometrics.
  • Limited Range: Tap-to-pay cards must be within inches of the terminal, limiting unauthorized use.

Earn Rewards While Staying Safe

Paying with your USSFCU Smart Rewards Visa® via contactless methods? You’ll still earn your rewards just like you would with a physical card. Whether you're tapping your card or phone, your purchases count toward cash back and bonus points—no extra steps needed.

Ready to Go Contactless?

Whether you're tapping your card at checkout or using Apple Pay on the go, USSFCU makes it easy to pay securely and confidently. Have questions about setting up your card for contactless payments or adding it to your digital wallet?

Call us at 800-374-2758 or visit ussfcu.org/contactless to get started.

Article content is provided for information purposes only.

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Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

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Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

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My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

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I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

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I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

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