Digital Wallet Terms and Conditions

These Digital Wallet Terms and Conditions ("Terms") apply when you add a Colony Bank debit card associated with a deposit account ("Colony Bank debit") to an electronic wallet that will permit you to make (1) contactless payments at merchants' contactless-enabled point-of-sale terminals or readers that accept contactless payments using an electronic wallet (in lieu of you presenting your physical card) and/or (2) in-app or other digital commerce payments at merchants participating in the electronic wallet ("Digital Wallet"). They apply to you and anyone else you authorize to use your Digital Wallet. If you do not agree to these Terms, do not access the Digital Wallet. Colony Bank reserves the right to change these Terms at any time and without notice as permitted by law, and your continued use of this Digital Wallet constitutes agreement to all such changes.

Use of the Digital Wallet

Adding your Colony Bank debit. You can add an eligible Colony Bank debit to the Digital Wallet by following the instructions of the Digital Wallet provider. If your Colony Bank debit is not in good standing or your account is frozen, then your Colony Bank debit will not be eligible to be added in the Digital Wallet and if already in the Digital Wallet, the card may be removed. When you add a Colony Bank debit to the Digital Wallet, the Digital Wallet allows you to use your Colony Bank debit to enter into transactions where the Digital Wallet is accepted. The Digital Wallet may not be accepted at all places where your Colony Bank debit is accepted.

Terms that Apply

In addition to these Terms, you agree that when you use the Digital Wallet, you will remain subject to the terms and conditions of all your existing agreements with Colony Bank, its affiliates, and/or any unaffiliated service providers, your mobile service carrier (e.g., AT&T, Verizon, Sprint, T-Mobile, etc.), and your Digital Wallet provider (e.g. Apple, Google, Samsung). These Terms do not amend or supersede any of those agreements, including but not limited to, your Cardmember Agreement with Colony Bank or your Deposit Account Agreement with Discover Bank. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of the Digital Wallet (for example, your mobile service carrier may impose data usage or text message charges for your use of or interaction with the Digital Wallet), and you agree to be solely responsible for all such fees, limitations and restrictions.

You agree that only your mobile service carrier or Digital Wallet provider is responsible for its products and services. Accordingly, you agree to resolve any problems with your carrier or Digital Wallet provider directly without involving Colony Bank. Colony Bank is not responsible for the security, accuracy, legality, appropriateness or any other aspect of the content or function of the Digital Wallet or any third party's products or services.


You hereby consent to Colony Bank and/or the Digital Wallet provider sending you notifications through the Digital Wallet from time to time reflecting your Colony Bank debit account activity and/or marketing messages. If you do not wish to receive notifications, you may turn off these notifications through the device settings on your mobile phone or by the procedures established by your Digital Wallet provider.

Suspension/Removal of a Card

Colony Bank reserves the right to discontinue offering or supporting the Digital Wallet for any reason. Unauthorized use of the Digital Wallet, including, but not limited to, unauthorized entry into Colony Bank' systems, misuse of passwords or misuse of any other information, is strictly prohibited and will result in suspension and/or termination of your use of the Digital Wallet. You may not use the Digital Wallet in any manner that could damage, disable, overburden, or impair the service, Colony Bank may block, restrict, suspend or terminate your use of the Digital Wallet at any time without notice and for any reason, including if you violate these Terms or any other agreements with Colony Bank, except as otherwise required by applicable law. You agree that Colony Bank will not be liable to you or any third party for any suspension, cancellation or termination of your use of the Digital Wallet.

You should contact the Digital Wallet provider on how to remove your Colony Bank debit from the Digital Wallet.

Privacy and Security

The personal information you provide when loading your Colony Bank debit into the Digital Wallet will be shared with the Digital Wallet provider and Colony Bank. When you use the Colony Bank debit within the Digital Wallet, you will share transaction information with the Digital Wallet provider in addition to Colony Bank. You agree that by using the Digital Wallet, you hereby consent to Colony Bank sharing information (including information that may personally identify you) with the Digital Wallet provider in order to facilitate Digital Wallet transactions you have initiated. You further agree that Colony Bank may share non-personal information with the Digital Wallet provider to improve the Digital Wallet service. This information helps Colony Bank add your Colony Bank debit to the Digital Wallet and to maintain the Digital Wallet. Colony Bank does not control the privacy and security of your information that may be held by the Digital Wallet provider and that is governed by the privacy policy given to you by the Digital Wallet provider. For additional information on Colony Bank' privacy practices which applies to your use of your Colony Bank debit in the Digital Wallet, please visit

Disclaimer of Warranty and Limitation of Liability

The information, products and services on the Digital Wallet are provided on an "AS IS," and "AS AVAILABLE" basis. Colony Bank does not warrant the information or services provided herein or your use of the Digital Wallet generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. Colony Bank will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via the Digital Wallet. Colony Bank cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you through the Digital Wallet for any particular purpose.

Neither Colony Bank, nor any of its affiliates, directors, officers or employees, nor any third party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this Digital Wallet, or resulting in any way from or in connection with:

  • any errors, acts or omissions in the technical operation or content of the Digital Wallet;
  • the Digital Wallet and any data or content therein, or any products or services made available through the Digital Wallet;
  • any action taken in connection with an investigation by Colony Bank, law enforcement or other authorities regarding your use of the Digital Wallet;
  • any other cause relating to your access to, inability to access, or use of the Digital Wallet,regardless of whether the circumstances giving rise to such cause may have been within the control of Colony Bank or of any vendor providing software or services.

In no event will Colony Bank or any such parties be liable to you, whether in contract or tort, for any direct, special, indirect, punitive, consequential or incidental damages or any other damages of any kind even if Colony Bank or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user's equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. Colony Bank cannot and does not guarantee continuous, uninterrupted or secure access to the Web site.

In no event will Colony Bank or its affiliates be liable to you or anyone else for any loss or injury.

Some jurisdictions do not allow the limitation or exclusion of certain warranties and conditions, or the disclaimer of some types of damages, so some of the above may not apply to you.

Liability limitations do not apply to consumer Regulation E unauthorized transactions, please refer to the Regulation E disclosure that was provided to you at account opening.

By accessing this Digital Wallet, you agree to indemnify, defend and hold Colony Bank and its affiliates harmless from and against any actual or alleged claims, demands, causes of action, judgements, damages, losses, liabilities, and all costs and expenses of defense (including reasonable attorney’s fees and court costs) arising out of or relating to : (A) Your breach of this agreement; (B) your violation of any local, state, federal or international law, rule or regulation; © a claim by a third party that is based on your use of the digital wallet; (D) information or material posted or transmitted through your computer or account, even if not submitted by you; (E) any misrepresentation made by you; (F) the theft, misappropriation or disclosure of your password; (G) your authorization of anyone else to use your password. You will cooperate as fully and as reasonably required in Colony Bank’s defense of any claim. Colony Bank reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not, in any event, settle any matter without the written consent of Colony Bank.

These Terms were last updated April 9, 2020.