Scam Alert: We are aware of scammers impersonating Citadel representatives by phone, text, and in-person visits. Citadel will never ask for your PIN or sensitive information, never instruct you to cut up your debit or credit card AND keep the chip intact, and never send anyone to your home to retrieve a card. If you receive a call, text, or visit claiming otherwise, it is a scam. Call 800-666-0191 immediately.

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How do I make a purchase with my Garmin Pay?

Frequently Asked Question

To make a purchase with Garmin Pay, you will follow the below steps:

  1. Hold the light key at the top left of your screen.
  2. Select digital wallet
  3. Enter your 4-digit passcode.

*NOTE: If you enter your passcode incorrectly three times, your wallet locks and you must reset your passcode in the Garmin Connect™ Mobile app.


*TIP: After you successfully enter your passcode, you can make payments without a passcode for 24 hours while you continue to wear your watch. If you remove the watch from your wrist or disable heart rate monitoring, you must enter the passcode again before making a payment.

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