Terms for Adding Your Salem Five Card to a Digital Wallet


These Terms for adding your Salem Five Card to a Digital Wallet (the “Terms”) apply when you choose to add a Salem Five debit card (“Salem Five Card”) to a Digital Wallet (“Wallet”). In these Terms, “you” and “your” refer to the cardholder of the Salem Five Card, and “we,” “us,” “our,” and “Salem Five” refer to the issuer of your Salem Five Card.

When you add a Salem Five Card to the Wallet, you agree to these Terms:

  1. Adding Your Salem Five Card. You can add an eligible Salem Five Card to the Wallet by following the instructions of the Wallet provider. Only Salem Five Cards that we indicate are eligible can be added to the Wallet. If your Salem Five Card or underlying account is not in good standing, that Salem Five Card will not be eligible to enroll in the Wallet. When you add a Salem Five Card to the Wallet, the Wallet allows you to use the Salem Five Card to enter into transactions where the Wallet is accepted. The Wallet may not be accepted at all places where your Salem Five Card is accepted.
  2. Your Salem Five Card Terms Do Not Change. The terms and account agreement that govern your Salem Five Card do not change when you add your Salem Five Card to the Wallet. The Wallet simply provides another way for you to make purchases with the Salem Five Card. Any applicable interest, fees, and charges that apply to your Salem Five Card will also apply when you use the Wallet to access your Salem Five Card. Salem Five does not charge you any additional fees for adding your Salem Five Card to the Wallet or using your Salem Five Card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.
  3. Salem Five Is Not Responsible for the Wallet. Salem Five 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 Salem Five 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. Contacting You Electronically and by Email. You consent to receive electronic communications and disclosures from us in connection with your Salem Five 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 Salem Five account. It may include contact from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes.
  5. Removing Your Salem Five Card from the Wallet. You should contact the Wallet provider on how to remove a Salem Five Card from the Wallet. We can also block a Salem Five 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 your Salem Five Card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Salem Five 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 Salem Five Cards from the Wallet. You may not assign these Terms.
  8. Privacy. Your privacy and the security of your information are important to us. Our Digital Banking Privacy Policy (available online at https://www.salemfive.com/mobileprivacypolicy) applies to your use of your Salem Five 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 Salem Five Card transactions, and to improve our ability to offer these services. This information helps us to add your Salem Five 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 Salem Five Card in the Wallet by posting the material on our website, through electronic notice 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 (800) 850-5000.
  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 Salem Five Card, then contact us at (800) 850-5000.