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Mobile Wallet - Terms and Conditions

Terms for Adding Your First Federal Bank Debit Card to a Digital Wallet

These Terms for adding your First Federal Bank Debit card to a Digital Wallet (the “Terms”) apply when you choose to add a First Federal Bank debit card (First Federal Bank card) to a Digital Wallet (“Wallet”) and form part of a legally binding agreement between you and First Federal Bank that also includes First Federal Bank’s Online Banking Agreement, Electronic Fund Transfers – Your Rights and Responsibilities, Terms and Conditions of Your Account, Mobile Banking Terms and Conditions, and all related disclosures.   In these Terms, “you” and “your” refer to the cardholder of the First Federal Bank , and “we”, “us”, “our”, and “First Federal Bank card” refer to the issuer of your First Federal Bank card, which is First Federal Bank . When you add a First Federal Bank card to the Wallet, you agree to these Terms.

1. Adding your First Federal Bank Card

You can add an eligible First Federal Bank card to the Wallet by following the instructions of the Wallet provider. Only First Federal Bank cards that we indicate are eligible can be added to the Wallet. If your First Federal Bank card or underlying account is not in good standing that First Federal Bank card will not be eligible to enroll in the Wallet. When you add a First Federal Bank card to the Wallet, the Wallet allows you to use the First Federal Bank card to enter into transactions where the Wallet is accepted. The Wallet may not be accepted at all places where your First Federal Bank card is accepted.

2. Your First Federal Bank Card Terms Do Not Change

The terms and account agreement that govern your First Federal Bank card do not change when you add your First Federal Bank card to the Wallet. The Wallet simply provided another way for you to make purchases with the First Federal Bank card. Any applicable interest, fees and charges that apply to your First Federal Bank card will also apply when you use the Wallet to access your First Federal Bank  card. First Federal Bank does not charge you any additional fees for adding your First Federal Bank card to the Wallet or using your First Federal 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 Federal Bank is Not Responsible for the Wallet

First Federal 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 Federal 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.

4. Limits

Any limits we place on the frequency or dollar amount of your First Federal Bank card transactions will also apply to Wallet transactions. 

5. Contacting You Electronically, and by Email

You consent to receive electronic communications and disclosures from us in connection with your First Federal Bank card and the Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any First Federal Bank  account. It may include contract from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes.  By accepting these Terms and Conditions, you agree that it is subject to the federal Electronic Signatures in Global and National Commerce Act. (“E-SIGN”). Continued use of a First Federal Bank Card in a Mobile Wallet requires that you agree to receive all Notices electronically. If you prefer to receive paper Notices, you have the right to withdraw your consent, in which case we will terminate your use of the First Federal Bank Card in a Mobile Wallet.

6. Removing Your First Federal Bank card from the Wallet

You should contact the Wallet provider on how to remove a First Federal Bank card from the Wallet. We can also block a First Federal Bank card in the Wallet from purchases at any time.

7. 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 Federal Bank card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your First Federal Bank card agreement.

8. 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 Federal Bank cards from the Wallet. You may not assign these Terms.

9. Privacy

Your privacy and the security of your information are important to us. First Federal Bank’s Privacy Notice (available online at https://www.1stfed.com/privacy.htm) applies to your use of your First Federal 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 Federal Bank card transactions, and to improve our ability to offer these services. This information helps us to add your First Federal 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.

10. Notices

We can provide notices to you concerning these Terms and your use of a First Federal 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: 1-800-239-6929.

11. 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 Federal Bank card, then contact us at: 1-800-239-6929.