Default Isis wallet SIM card issues?

I just got a new Note 3 and set up the Isis Wallet. I went to use it and it said I needed a new SIM. I went to AT&T and they said I had latest SIM. The battery was taken out and when the phone booted up the Isis Wallet worked.
Now a day later the phone popped up some sort of SIM card error and Isis isn't working again.
Do I have a lemon phone? Will AT&T swap me a new phone (not refurb) since it's only about 4 days old?
Thanks in advance.