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Apple Pay
You can now use an eligible Berkshire Bank Debit MasterCard® with Apple Pay to pay on the go at merchants who accept contactless payments, and in participating merchant apps wherever Apple Pay is accepted. As a Berkshire Bank Debit MasterCard® holder, you can also get these features in Apple Pay:
- Real-time notifications and details for your purchases when you use Apple Pay on iPhone® or iPad®. Notifications will be for your transactions made with Apple Pay.
- View transactions within the AMEB Mobile app for enhanced account monitoring, and servicing on the go.
At this time, Berkshire Bank Debit MasterCard® is eligible for enrollment.
For information on the compatibility of your device and to learn more about how to use Apple Pay, please visit apple.com/apple-pay.
You can use Apple Pay to make payments in stores with supported devices wherever contactless payments are accepted. Just look for the contactless and/or Apple Pay symbol at checkout.
You can also use Apple Pay in participating merchant apps with supported devices. Look for the “Buy with Apple Pay” or “Apple Pay” button at checkout within the apps. Visit apple.com/apple-pay for a list of merchants where in-app payments are accepted.
We will never share your plastic Card number with Apple. To deliver you the best Apple Pay experience, we will display certain account information on your device, such as data for your recent purchases, for each Card you have selected to use with Apple Pay, but not your full account information. At any time, you can turn off the display of transaction data manually within Apple Pay by adjusting the “Card Notifications” for each Card. If you have any additional questions about your device’s security features, please contact Apple directly.
Your Card in Apple Pay is protected by “Touch ID” and/or your device “Passcode.” For your security, when you make a purchase using Apple Pay, you must either use “Touch ID” or the “Passcode” for your device. All of your payment information will be encrypted in the Secure Element, a dedicated chip in your device.
To add your Berkshire Bank Debit MasterCard® on a supported iPhone or iPad, go to “Settings,” open “Passbook & Apple Pay,” and select “Add Credit or Debit Card.” On a supported iPhone, you can also open the Passbook app to add a Card.
To add your Berkshire Bank Debit MasterCard® on Apple Watch, you must first pair your Watch with a supported iPhone running on iOS 8.2 or later using the Apple Watch app. Once paired, open the Apple Watch app on your iPhone, select "Passbook & Apple Pay" and then tap "Add Credit or Debit Card."
Please note that the iPhone 5, 5c and 5s only enable payments for the Apple Watch. Payments cannot be made with the iPhone 5, 5c or 5s alone.
When adding your Card, you can choose to add the Card you already have on file with iTunes or add new Cards by manually entering your Card information or taking a picture of your Card. You will always need to accept the Berkshire Bank Terms of Use for Apple Pay each time you add a Card to Apple Pay. You are also subject to Apple’s own terms & conditions.
If some of your personal information cannot be verified systematically, you may be prompted to contact Berkshire Bank at: 833.BERKBNK. For your security, you will be asked questions by one of our friendly customer service representatives. After they are able to confirm your identity, they will complete the enrollment process in a few minutes time.
Yes. At this time, Apple allows up to 8 Cards on a device.
Yes, you can add your Card on up to 10 devices. Please note that your Card must be added to each device separately.
Yes. However, only one Apple Watch can be paired with one iPhone.
There is no cost associated with adding your card to Apple Pay, although it does require an active data plan. Note that additional message and data charges may apply.
Your credit card’s terms and conditions, and your debit card’s Deposit Account Agreement will apply to all Apple Pay purchases.
To remove your Card on iPhone 6, iPhone 6 Plus, iPad Air 2 and iPad mini 3, select “Remove Card” in the “Passbook & Apple Pay” section of your device “Settings” or on the back of your Card in the Passbook app. You can also visit icloud.com/settings to remove your Card or “Find My iPhone” to temporarily suspend or permanently remove the ability to pay with your Cards on your device.
To remove your Card on Apple Watch, go to "Passbook" on your Apple Watch device, select your Card then hold and tap "Delete" to remove your Card. Additionally, you can remove your Card using the Apple Watch app on your iPhone. Open the Apple Watch app, select "Passbook & Apple Pay", then select your Card and navigate to the bottom and tap "Remove Card."
Please note that you can always visit icloud.com/settings to remove your Card on Apple Watch.
For your security, when you add your Berkshire Bank Debit MasterCard® to Apple Pay, a “Device Account Number” is created by Apple Pay for that card on that device. It is separate and unique to your device and different from your plastic card number. Your Device Account Number is used to make purchases with your card using Apple Pay. Your debit card number is never shared with merchants or transmitted with payments.
All transactions completed with Apple Pay will appear on your Berkshire Bank billing statement as a normal point of sale transaction.
If you need to make a return for a purchase made with Apple Pay you can receive refunds to your account. The key difference is that you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your Card number. To find the last four digits of your Device Account Number for your Card, visit the “Passbook & Apple Pay” section of your device “Settings” or on the back of your Card in the Passbook app.
Your card image may appear differently in Apple Pay, but the last 4 digits of your card appear at the bottom of the card in Passbook so you know the correct card was loaded into Apple Pay.
Apple Pay is locked when the device is locked. Touch ID is required in order to use Apple Pay.
If you are having difficulty with your software or hardware, please contact Apple (apple.com/apple-pay).
If you are shopping at a participating retailer, Apple Pay will work outside of the United States.
Yes, Apple Pay will work with chip cards.
Go to Passbook in your iPhone General Settings to set your default card.
For iPhone 6, iPad Air 2 and iPad mini 3, you can view and manage your Cards in Apple Pay by going to “Settings” and selecting “Passbook & Apple Pay.” By tapping on an individual Card, you can view the “Transaction Display” and manage the settings associated with that Card in Apple Pay.
For iPhone 6, you can also view and manage your Cards in the Passbook app. When you select an individual Card, you can tap the “i” to get to the back of the Card, where you can view the “Transaction Display” and manage the settings associated with that Card in Apple Pay.
For Apple Watch, you can view and manage your Cards on Apple Watch within the Apple Watch app on your iPhone. Simply tap on an individual Card to manage the settings associated with that Card in Apple Pay. The Apple Watch app will not display transaction detail or transaction history.
You will receive “Card Notifications” for your Berkshire Bank Debit MasterCard® in Apple Pay on iPhone and iPad letting you know about purchases made with your plastic Card and purchases made in Apple Pay. You can turn your notifications on or off by adjusting the “Card Notifications” settings for each Card within the “Passbook & Apple Pay” section of your device “Settings.” Please keep in mind that by turning off your “Card Notifications,” you will no longer receive transaction notifications or other special messages from Berkshire Bank Debit MasterCard® on the front of your Card, and you will no longer see your transaction history on the back of your Card in Apple Pay.
You will not receive specific "Card Notifications" for Cards added to Apple Pay for your Apple Watch.
You may receive notifications on your Apple Watch if you have a Card added to Apple Pay on your paired iPhone and have push notifications enabled.
You may also receive notifications on your Apple Watch if you have an active Berkshire Bank Debit MasterCard® Pass for Passbook.
If you do not want to receive these notifications on your Apple Watch, visit the notifications section under "General Settings" in the Apple Watch app on your supported device and unselect "Passbook & Apple Pay."
Berkshire Bank has enabled Card Members to see their last 10 purchases in the “Transaction Display” of their Card in Apple Pay on iPhone or iPad. The “Transaction Display” will show the last 10 purchases you’ve made with both your plastic Card and Card using Apple Pay. You can turn “Transaction Display” off when you turn off your “Card Notifications” in the “Passbook & Apple Pay” section of your device “Settings.”
Apple Pay will only include your last 10 purchases. For all official statement information, please refer to your Card account information in the AMEB mobile app. If you suspect that there has been fraudulent activity on your account, please contact Berkshire Bank at the number on the back of your Card.
No. Your Device Account Number is connected to your new Card number automatically. You can use your Card in Apple Pay to make transactions before receiving your new plastic Card.
If you believe your device or Apple Pay Card information has been lost, stolen or compromised in any way, call Berkshire Bank immediately at the number on the back of your Card.
For iPhone or iPad, you can go to the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline. If you suspend your Card(s) using Find My iPhone, you can reactivate your Card(s) simply by unlocking your device and entering your Apple ID "Passcode" when prompted. For any supported Apple device, you can always go to icloud.com/settings, choose the applicable device and delete your Card(s).
Lastly, contact your service provider so they can suspend your service.
Disclosures:
† Berkshire One Checking: The minimum balance to open a Berkshire One Checking Account is $10. Minimum balance to earn variable interest rate and Annual Percentage Yield (APY) is $0.01. In order to receive the stated variable 0.10% Annual Percentage Yield (APY), this account must be enrolled in Paperless Statements and Notices. This is a variable rate account, and the interest rate and APY are subject to change without notice. Product not available for business accounts. Courtesy Pay℠, our discretionary service, is not available for this account. Generally, we will not authorize or pay transactions when you do not have enough money in your account. Fees may be charged by the merchant if your transactions are returned unpaid. For transactions that are pre-authorized by us, we must pay those transactions when they are presented for payment even if your account balance at the time of settlement is not sufficient to cover them. When this happens, you are not charged overdraft fees or continuous overdraft fees. Identity theft protection services are available for this account. Information about Identity Theft services will be sent in a separate email. Fees may reduce earnings on the account.
1 The Stream On credit is not valid for Berkshire Bank clients with an existing Berkshire Bank checking account and is limited to new Berkshire One checking account clients only. The following additional terms apply to this account: If you qualify each calendar month, for the 24 months following account opening, we will credit up to $15 per month into your Berkshire One Checking account. Monthly credits will cease the 25th calendar month after account opening. Berkshire Bank will provide a credit in the amount of the highest streaming service paid up to $15. For example: If you pay $6.99 a month for Netflix and $7.99 a month for Disney+, you will receive a streaming service credit of $7.99 the following calendar month. If you pay over $15 a month for one of the above streaming services, you will receive a credit of $15 the following calendar month. This credit will show on your statement with the description “Credit for streaming service”. Stream On credits are capped at 24 per tax reported owner. When the Stream On qualifications are met, the credit will be posted to your account within the following calendar month. If you do not qualify at any point during the 24 calendar months following account opening, you will NOT receive the streaming service credit for that calendar month. Stream On credit Scenarios: 1. You open your Berkshire One Checking account August 1, 2024, and qualify for the Stream On credits consistently for 24 months. At the end of the promotional period, July 31, 2026, you will have received 24 Stream On credits. 2. You open your Berkshire One Checking account August 1, 2024, but do not qualify for the Stream On credits until September 1, 2024. At the end of the promotional period, July 31, 2026, you will have received 23 Stream On credits. 3. You open your Berkshire One Checking account August 1, 2024, and qualify for the Stream On credit for the remainder of 2024. In January 2025, your monthly combined direct deposit falls short of the $2,000 requirement, you will not receive the credit in February. If you then subsequently qualify in February and continue to qualify each calendar month, you will receive the Stream On credit until July 31, 2026. At the end of the promotional period, you will have received 23 Stream On credits. If the account is closed before any credits are posted to your account, the credits will be forfeited. Your credits may be reportable to the IRS on Form 1099-MISC.
To qualify for the Stream On credit, each Calendar Month you must:
Have a combined Direct Deposit total of $2,000 or more each month into your Berkshire One Checking account AND Set up a monthly subscription with one of the following five streaming services to be debited out of your Berkshire One Checking account: Disney+, Netflix, Hulu, YouTube Premium or Paramount+. Annual subscriptions do not qualify. Both required transactions must post and settle to the account during the Calendar Month. Your monthly streaming service debit must post and settle to your account by the end of business (5 PM EST) on the last business day of a Calendar Month to be counted. Transactions may take one or more business days to post and settle to an account after the date a transaction is made. “Calendar Month” begins on the first of the month and ends the last day of the monthly period.
3 Cell phone insurance is offered through Mastercard. Berkshire Bank has a relationship with Mastercard to offer services to its customers. The maximum liability is $800 per claim, and $1,000 per covered card per 12 month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per covered card per 12 month period. To learn more about how you qualify for this cell phone insurance, Click here.
4 All non-Berkshire Bank ATM Inquiry fees waived. We will reimburse all non-Berkshire Bank ATM Withdrawal and Surcharge fees incurred nationwide per statement cycle. Your surcharge (non-Berkshire Bank ATM fee) credits may be reportable to the IRS on Form 1099-MISC. "Statement Cycle” begins the calendar day after the previous Statement Cycle ends and runs through the last business day of the statement period. Berkshire Bank’s ATM policies are subject to change at our discretion at any time.
5 Identity theft protection services are available for the Berkshire One Checking account. Information about Identity Theft services will be sent in a separate email Eligible customers for Identity Theft services would include the Consumer, his/her spouse or domestic partner, dependents in the household up to age 25, other IRS-qualified dependents in the household, and parents living at the same address as the consumer, or living in hospice, assisted living, or nursing home.
7 Consult your mobile carrier for any fees they may charge for Internet usage or receiving texts.