Apple Pay Gains Nearly 60 New U.S. Banks and Credit Unions

by

Apple-PayApple has updated its Apple Pay participating issuers list with 58 additional banks, credit unions and financial institutions supporting the contactless payment service in the United States. Apple Pay now has over 900 participating issuers nationwide, and several more plan to support the NFC-based mobile payment service in the future.

The newly added Apple Pay participating issuers are reflected below, although it's worth noting that some banks, credit unions and financial institutions listed may have already had support for the contactless payments service and are only now being reflected on Apple's website.

The full list of new Apple Pay participating issuers:

  • Air Academy Federal Credit Union

  • Ballston Spa National Bank

  • Bank of Commerce

  • BankFive

  • BNA Bank

  • Capital Area Federal Credit Union

  • Citizens National Bank

  • Comenity Bank

  • CommonWealth One Federal Credit Union

  • Community Business Bank

  • Community State Bank

  • CoreFirst Bank & Trust

  • Damascus Community Bank

  • Denison Bank

  • Diablo Valley Federal Credit Union

  • Electrical Federal Credit Union

  • Financial Center First Credit Union

  • First State Bank of Arcadia

  • Florence Savings Bank

  • "FNB Bank, N.A."

  • Fox Communities Credit Union

  • Franklin Synergy Bank

  • Fulton Bank of New Jersey

  • "Fulton Bank, N.A."

  • Hercules Credit Union

  • HFS Federal Credit Union

  • Iberville Bank

  • Inspirus Credit Union

  • Isabella Community Credit Union

  • Lafayette Ambassador Bank

  • Landmark Bank

  • Latino Community Credit Union

  • Linn Area Credit Union

  • Machias Savings Bank

  • Maps Credit Union

  • McCoy Federal Credit Union

  • Mercantile Bank

  • Nicolet National Bank

  • Ontario-Montclair School Employees Federal Credit Union

  • Pacific Marine Credit Union

  • Palmetto Citizens Federal Credit Union

  • Pen Air Federal Credit Union

  • Platinum Bank

  • Red Rocks Credit Union

  • Rockland Trust

  • Saginaw Medical Federal Credit Union

  • Simmons Bank

  • StonehamBank

  • Swineford National Bank

  • Texas Bank and Trust

  • The Columbia Bank

  • The Evangeline Bank & Trust Co

  • The First National Bank of Mount Dora

  • The National Bank of Indianapolis

  • Valliance Bank

  • Wauchula State Bank

  • West Central Bank

  • Westmark Credit Union

Apple is committed to an international expansion of Apple Pay, having launched the mobile payments service in Australia and Canada in November in partnership with American Express. Apple Pay is also coming to Hong Kong, Singapore and Spain this year, and the service is rumored to launch in China by February.

Apple Pay gained support for BJ's Wholesale Club private label credit cards and 66 new U.S. issuers on December 15. On the merchant side, Cinnabon, Chili's, Domino's, KFC and Starbucks will support Apple Pay in the U.S. starting this year.

Related Roundup: Apple Pay
Related Forum: Apple Music, Apple Pay/Card, iCloud, Fitness+

Popular Stories

New Things Your iPhone Can Do in iOS 18

20 New Things Your iPhone Can Do in iOS 18.2

Monday December 16, 2024 8:55 am PST by
Apple released iOS 18.2 in the second week of December, bringing the second round of Apple Intelligence features to iPhone 15 Pro and iPhone 16 models. This update brings several major advancements to Apple's AI integration, including completely new image generation tools and a range of Visual Intelligence-based enhancements. Apple has added a handful of new non-AI related feature controls as...
Read Full Article • 28 comments
iphone 16 apple intelligence

Apple Drops Plans for iPhone Hardware Subscription Service

Wednesday December 18, 2024 11:39 am PST by
Apple is no longer planning to launch a hardware subscription service that would let customers "subscribe" to get a new iPhone each year, reports Bloomberg's Mark Gurman. Gurman first shared rumors about Apple's work on a hardware subscription service back in 2022, and at the time, he said that Apple wanted to develop a simple system that would allow customers to pay a monthly fee to gain...
Read Full Article • 109 comments
iPhone 17 Pro Dual Tone Feature 1

iPhone 17 Pro Rumored to Stick With 'Triangular' Camera Design

Wednesday December 18, 2024 2:36 am PST by
Contrary to recent reports, the iPhone 17 Pro will not feature a horizontal camera layout, according to the leaker known as "Instant Digital." In a new post on Weibo, the leaker said that a source has confirmed that while the appearance of the back of the iPhone 17 Pro has indeed changed, the layout of the three cameras is "still triangular," rather than the "horizontal bar spread on the...
Read Full Article • 153 comments
elevation lab airtag battery

Your AirTag's Battery Will Last for Up to 10 Years With Elevation Lab's New TimeCapsule Enclosure

Wednesday December 18, 2024 10:05 am PST by
Elevation Lab today announced the launch of TimeCapsule, an innovative and simple solution for increasing the battery life of Apple's AirTag. Priced at $20, TimeCapsule is an AirTag enclosure that houses two AA batteries that offer 14x more battery capacity than the CR2032 battery that the AirTag runs on. It works by attaching the AirTag's upper housing to the built-in custom contact in the...
Read Full Article • 129 comments
apple tv 4k yellow bg feature

New Apple TV Rumored to Launch Next Year With These Features

Tuesday December 17, 2024 9:02 am PST by
The current Apple TV 4K was released more than two years ago, so the streaming device is becoming due for a hardware upgrade soon. Fortunately, it was recently rumored that a new Apple TV will launch at some point next year. Below, we recap rumors about the next-generation Apple TV. Bloomberg's Mark Gurman last week reported that Apple has been working on its own combined Wi-Fi and...
Read Full Article • 176 comments
blackmagic vision pro

Blackmagic Debuts $30K 3D Camera for Capturing Video for Vision Pro

Monday December 16, 2024 4:17 pm PST by
Blackmagic today announced that its URSA Cine Immersive camera is now available for pre-order, with deliveries set to start late in the first quarter of 2025. Blackmagic says that this is the world's first commercial camera system designed to capture 3D content for the Vision Pro. The URSA Cine Immersive camera was first introduced in June, but it has not been available for purchase until...
Read Full Article • 95 comments
mac pro creativity

Apple Launched the Controversial 'Trashcan' Mac Pro 11 Years Ago Today

Thursday December 19, 2024 7:00 pm PST by
Apple launched the controversial "trashcan" Mac Pro eleven years ago today, introducing one of its most criticized designs that persisted through a period of widespread discontentment with the Mac lineup. The redesign took the Mac Pro in an entirely new direction, spearheaded by a polished aluminum cylindrical design that became unofficially dubbed the "trashcan" in the Mac community. All of ...
Read Full Article • 159 comments
iPhone 17 Slim Feature

'iPhone 17 Air' With 'Major' Design Changes and 19-Inch MacBook Detailed in New Report

Sunday December 15, 2024 9:47 am PST by
Apple is planning a series of "major design" and "format changes" for iPhones over the next few years, according to The Wall Street Journal's Aaron Tilley and Yang Jie. The paywalled report published today corroborated the widely-rumored "iPhone 17 Air" with an "ultrathin" design that is thinner than current iPhone models. The report did not mention a specific measurement, but previous...
Read Full Article • 136 comments

Top Rated Comments

levitynyc Avatar
levitynyc
117 months ago
Jesus, who cares about these issuers? Just use a credit card anyway.

How about getting more merchants to accept Apple Pay and to have Apple staff going around training clerks and store managers how to use the terminals?

How about making sure these terminals actually function?

Using Apple Pay should be easy. Now its 50/50 that it will go off without a hitch even at locations that accept Apple Pay.

How about universal acceptance at a store?

For example, Best Buy accepts Apple Pay....but not ALL Best Buys accept Apple Pay. Same with Target. That's ridiculous and should be corrected before nonsense like "Bill's Bank of East Hanover NJ is now an Apple Pay issuer."
Score: 7 Votes (Like | Disagree)
macnewbie91 Avatar
macnewbie91
117 months ago
Umm... Apple Pay is up and running... Apple can't control retailers and force them to implement NFC terminals and train their employees. That's not how real life works. I've never once had any issues with apple pay, granted I've probably only used it close to a dozen times, because of how rarely I visit Apple Pay enabled stores. I agree Apple should try to coerce merchants as best they can, but they don't have a lot of leverage (I'm guessing they are already trying as best they can). Incentives would be fine and dandy, but until merchants switch over NFC as a whole will never take off.
If they were doing as much as they can, merchants would love switching over to NFC.

Offer merchants 10 cents per $100 for Apple Pay transactions, I'm sure the retailers would be all over Apple Pay then. A retailer that conducts $30,000 per day in Apple Pay transactions would pad their profits by $30. Retailers are so cheap these days, that they won't balk at a $30 profit per day, per store.

The Australian and Canadian banks would also be on board.

2015 was supposed to be, "the year of Apple Pay." Turns out it wasn't.
Score: 5 Votes (Like | Disagree)
macnewbie91 Avatar
macnewbie91
117 months ago
The company that runs the cafeteria where I work just bought new cash registers and installed them right before the new year. What does it have? A screen with a magnetic strip reader built into it. No chip card slot, no NFC. What a joke. I know the process will take some time, but honestly at this point, the U.S won't ever reach 50% of the total market share in NFC and chip payment systems. Why do you buy a brand new register after the liability shift that only takes magnetic strip cards?

---------------------

My second rant on this Apple Pay subject-- where are the new merchants?

One would think you'd see, "Apple adds 20 new banks and 10 new merchants to partner with Apple Pay."

Nah, we haven't had any new merchants since August sign up for Apple Pay (Rite Aid, and technically they aren't even a partner).

The list should look more like this every month or so:

New Stores
Target
Burger King
CVS
Byrne Dairy
Price Chopper
Tops Markets
(Small Business A)
(Small Business B)
(Small Business C)


Seriously... I'm going to be dead before the U.S fully adopts chip and contactless NFC payments, and only 24 years old.
Score: 3 Votes (Like | Disagree)
rdlink Avatar
rdlink
117 months ago
Jesus, who cares about these issuers? Just use a credit card anyway.

How about getting more merchants to accept Apple Pay and to have Apple staff going around training clerks and store managers how to use the terminals?

How about making sure these terminals actually function?

Using Apple Pay should be easy. Now its 50/50 that it will go off without a hitch even at locations that accept Apple Pay.

How about universal acceptance at a store?

For example, Best Buy accepts Apple Pay....but not ALL Best Buys accept Apple Pay. Same with Target. That's ridiculous and should be corrected before nonsense like "Bill's Bank of East Hanover NJ is now an Apple Pay issuer."
Well, while I do think that more banks/card issuers is a better thing, you're definitely right about making the merchant experience more consistent and better. I gave merchants a year+ to get their acts together on Apple Pay (contactless payments, period). Time's up. I had my debit card number stolen three days before Christmas.

I am now vocal when I go into a store that doesn't offer it, or has the terminals but does not have them activated. I have begun letting merchants know that if they don't make Apple Pay available to me they will lose my business. Period. I am tired of their lax security practices putting my financial health and privacy in jeopardy. I wrote Petsmart an email recently to tell them that the fact that they have had NFC readers in their stores for over a year, and still don't have them operation has caused me to start using Petco.

I also let merchants know that they are wasting my time making me sign a credit card slip when I use Apple Pay in their store.

I know that some on these forums will state that it's silly to get up in arms about this, but I don't agree. This is not just a cool tech geeky/convenience issue. It's a security issue, and I take that seriously. Also, not telling a merchant you're not happy with them is the same as telling them everything is okay like it is.
Score: 3 Votes (Like | Disagree)
HiVolt Avatar
HiVolt
117 months ago
And yet, they cannot make a deal with the 5 major Canadian Banks... We have the most freakin NFC terminals out there.
Score: 2 Votes (Like | Disagree)
Zimmie Avatar
Zimmie
117 months ago
Completely agree, though you'd think with Apple's vast resources they'd be able to do both.

With all this work to get banks signed on, not to mention the difficulty of getting banks to sign on overseas, I now wonder if Apple may have been better off setting up their own bank or buying one, and operating it as a separate subsidiary, like its own Amex division.

They could have reduced the fees to retailers which would have sped up adoption, but taken a big enough cut to make a difference to their bottom line. With incentives like rewards towards the purchase of Apple products, it would also have made the platform stickier and increased sales of their core products.
I think everyone here is severely underestimating how horrible the credit card industry is. I work for a credit card processor. Everything is held together with baling wire and a prayer.

To give you an idea, here are the hands a transaction passes through with a normal processor. First, you swipe the card in a terminal. Chips and NFC tokens are effectively the same as a swipe for this purpose. The terminal at the store takes it and hands it to the terminal vendor. The terminal vendor takes it and hands it to the store's selected processor. The processor hands it to the card brand (Visa, Mastercard, AmEx, &c.). The card brand hands it to the issuer. The issuer hands it to the backing bank. All of these parties get your card data, and they can all be different people. It's an enormous string of middlemen.

None of the banks handle settlement in the same way. Each issuer talks to their set of backing banks and presents one unified interface to the card brands, but each issuer's interface is different. The card brands all talk to their issuers using whatever the issuer wants, then they each present a completely different protocol to the processors. The processors talk to all of the card brands, but they all have a different interface for the terminal vendors. There are huge numbers of deals and contracts involved. The EMV rollout in the United States is going far, far faster than I expected.

As an aside, the security issues in EMV are nightmarish. The chips can be cloned. Chips on stolen cards can be locked open in a way that causes most terminals not to check if the card has been stolen. After working for a credit card company and seeing how little people actually care about keeping cardholder data private, I've switched to using cash for everything I can.
Score: 2 Votes (Like | Disagree)
Read All Comments