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The Peoples Bank

Mobile Wallet Agreement

These terms and conditions (Terms) for attaching your Peoples Bank Debit Card (Debit Card) virtually to a digital storage system (Mobile Wallet) apply when you choose to add a Debit Card to a Mobile Wallet. In these Terms, you and your refer to any person that seeks to add a Debit Card to any Mobile Wallet, and we, us, and our refer to the issuer of your Debit Card.  When you add a Debit Card to the Mobile Wallet, you agree to these Terms.

Adding your Debit Card

You can add an eligible Debit Card to the Mobile Wallet by following the instructions of the Mobile Wallet provider.  Only Debit Cards that we indicate are eligible can be added to the Mobile Wallet. If your Debit Card or underlying account is not in good standing, that Debit Card will not be eligible to enroll in the Mobile Wallet. When you add a Debit Card to the Mobile Wallet, the Mobile Wallet allows you to use the Debit Card to enter into transactions when the Wallet is accepted.  The Mobile Wallet may not be accepted at all places where your Debit Card is accepted.  Any limits we place on the frequency or dollar amount of your Debit Card transactions will also apply to Mobile Wallet transactions.


You are responsible for selecting the device and the service provider for the device and for paying any fees or other charges that the service provider may charge. It is your responsibility to obtain and properly use a device that is compatible with the services.

Changes to Terms

The terms and account agreement that govern your Debit Card do not change when you add your Debit Card to the Mobile Wallet. The Mobile Wallet simply provides another way for you to make purchases with the Debit Card. Any applicable interest, fees, and charges that apply to your Debit Card will also apply when you use the Mobile Wallet to access your Debit Card.  The Peoples Bank does not charge you any additional fees for adding your Debit Card to the Mobile Wallet or using your Debit Card in the Mobile Wallet. The Mobile Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.

Bank Responsibility

The Peoples Bank is not the provider of the Mobile Wallet, and we are not responsible for providing the Mobile Wallet service to you. We are only responsible for supplying information securely to the Mobile Wallet provider to allow usage of the Debit Card in the Mobile Wallet. We are not responsible for any failure of the Mobile Wallet for any transaction. We are not responsible for the performance or non-performance of the Mobile Wallet or any other third parties regarding any agreement you enter into with the Mobile Wallet provider or associated third party relationships that may impact your use of the Mobile Wallet. You acknowledge that you have read and accepted the terms and conditions of the Mobile Wallet by requesting that your Debit Card be added to the Mobile Wallet.


Storing account numbers, passwords or codes on any device, using any account numbers, passwords or codes in any verbal communications, or using any device in a public place such as an airport, hotel, concert, or sports facility, may result in interception and misuse of that information by a third party. We cannot prevent interception by third parties of any communications made by the device. You agree to take precautions to ensure the safety, security and integrity of your account and transactions when using the Mobile Wallet.

We make no representations or warranties as to merchantability, or that the security devices are fit for a particular purpose or are sufficient to protect you against unauthorized access to your accounts or computer systems. You acknowledge that the security devices may not be the most sophisticated or advanced devices available and that we have no obligation except to offer reasonable security devices to you.  You should obtain independent advice on the security of your computer systems and whether the security devices provide sufficient protection to you and your accounts and computer systems.

Electronic Contact and Email

You consent to receive electronic communications and disclosures from us in connection with your Debit Card and the Mobile Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any Peoples Bank 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. By accepting these Terms and Conditions, you agree that it is subject to the Federal Electronic Signature in Global and National Commerce Act (E-Sign). Continued use of a Debit 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 may terminate your use of the Debit Card in a Mobile Wallet.

Removing Debit Card from Mobile Wallet

You should contact the Mobile Wallet provider on how to remove a Debit Card from the Mobile Wallet. We can also block a Debit Card in the Mobile Wallet from purchases at any time.

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 Debit Card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Electronic Funds Transfer Act / Regulation E Disclosure / Debit Card Agreement.

Termination of Terms an 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 Debit Cards from the Mobile Wallet.  You may not assign these Terms.


Your privacy and the security of your information are important to us. The Peoples Bank Privacy Notice applies to your use of your Debit Card in the Mobile Wallet.  This Notice is available online at  You agree that we may share your information with the Mobile Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your Debit Card transactions, and to improve our ability to offer these services. This information helps us to add your Debit Card to the Mobile Wallet and to maintain the Mobile Wallet. We do not control the privacy and security of your information that may be held by the Mobile Wallet provider, and that is governed by the privacy policy given to you by the Mobile Wallet provider.


We can provide notices to you concerning these Terms and your use of a Debit Card in the Mobile Wallet by posting the material on our website, or through electronic notice given to you by the provider. For questions, disputes, or complaints about your Debit Card, contact Electronic Banking Department at 228-435-5511.


January 2024

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