These Terms for adding your First Century Bank card to a Digital Wallet (the “Terms”) apply when you choose to add a First Century Bank debit card (First Century Bank card) to a Digital Wallet (“Wallet”) and form part of a legally binding agreement between you and First Century Bank that also includes First Century Bank’s Online Banking Agreement, Electronic Fund Transfers – Your Rights and Responsibilities, Terms and Conditions of Your Deposit Account, Mobile Banking Terms and conditions, and all related disclosures and agreements. In these Terms, “you” and “your” refer to the cardholder of the First Century Bank card, and “we”, “us”, “our”, and “First Century Bank” refer to the issuer of your First Century Bank card, which is First Century Bank. When you add a First Century Bank card to the Wallet, you agree to these Terms.
1. Adding your First Century Bank Card
You can add an eligible First Century Bank card to the Wallet by following the instructions of the Wallet provider. Only First Century Bank cards that we indicate are eligible can be added to the Wallet. If your First Century Bank card or underlying account is not in good standing, that First Century Bank card will not be eligible to enroll in the Wallet. When you add a First Century Bank card to the Wallet, the Wallet allows you to use the First Century Bank card to enter into transactions where the Wallet is accepted. The Wallet may not be accepted at all places where your First Century Bank card is accepted.
2. Your First Century Bank Card Terms Do Not Change
The First Century Bank terms, conditions, and account agreements that govern your First Century Bank card do not change when you add your First Century Bank card to the Wallet. However, the provider of the Wallet may have additional, terms, conditions, and agreements that apply. The Wallet simply provides another way for you to make purchases with the First Century Bank card. Any applicable interest, fees and charges that apply to your First Century Bank card will also apply when you use the Wallet to access your First Century Bank card. First Century Bank does not charge you any additional fees for adding your First Century Bank card to the Wallet or using your First Century Bank card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.
3. First Century Bank is Not Responsible for the Wallet
First Century Bank is not the provider of the Wallet, and we are not responsible for providing the Wallet service to you. We are only responsible for supplying information securely to the Wallet provider to allow usage of the First Century Bank card in the Wallet. We are not responsible for any failure of the Wallet, or the inability to use the Wallet for any transaction. We are not responsible for the performance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Wallet provider or associated third party relationships that may impact your use of the Wallet. We are not responsible for any acts or omissions of the Wallet provider, including data breaches, unauthorized uses of the First Century Bank card, or unauthorized disclosure of your information.
4. Limits
Any limits we place on the frequency or dollar amount of your First Century Bank card transactions will also apply to Wallet transactions.
5. Removing Your First Century Bank card from the Wallet
You should contact the Wallet provider on how to remove a First Century Bank card from the Wallet. We can also block a First Century Bank card in the Wallet from purchases at any time.
6. Governing Law and Disputes
These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which you First Century Bank card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your First Century Bank card agreement.
7. Ending or Changing these Terms; Assignments
We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. We will provide notice if required by law. We can also assign these Terms. You cannot change these Terms, but you can terminate these Terms at any time by removing all First Century Bank cards from the Wallet, provided that these Terms will apply to any transactions, acts, and/or omissions that occurred prior to the removal of your First Century Bank card from the Wallet. You may not assign these Terms.
8. Privacy
Your privacy and the security of your information are important to us. First Century Bank’s Privacy Notice applies to your use of your First Century Bank card in the Wallet. You agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your First Century Bank card transactions, and to improve our ability to offer these services. This information helps us to add your First Century Bank card to the Wallet and to maintain the Wallet. We do not control the privacy and security of your information that may be held by the Wallet provider, and that is governed by the privacy policy given to you by the Wallet provider.
9. Notices
We can provide notices to you concerning these Terms and your use of a First Century Bank card in the Wallet by posting the material on our website, through electronic notices given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. You may contact us at: 1-800-201-6967.
10. Questions
If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your First Century Bank card, then contact us at: 1-800-201-6967.
