Go to Settings->Wallet & Apple Pay and make sure Apple Cash is turned on there.
glmorris3 wrote:
My bank card is a credit/debit card.
Really? That's not something that normally exists. If it really is both, then Apple Pay may have an issue identifying it as such. A Debit card is connected to a bank account. The money obtained from it, would be removed for the connected checking or savings account.
A Credit card loans you money with an interest fee, and has no connected checking or savings account. It's very odd that a bank would issue a combined version. I'm not even sure how that would work. Are you sure its a debit card? And is connected to a savings account in your bank?
Do note, that just because you can get money with it from an ATM, or it is automatically paid through your savings account by your bank does not make it a debit card.
Open the Wallet App, and make sure your card can be seen there correctly. If it has not yet been approved by your Bank you may need to wait for it to complete the process.