Disclosures & Agreements


Terms for adding your Security Bank of Kansas City Credit or Debit Card to a Digital Wallet


A. Definition. A Digital Wallet is a mobile payment service which allows you to make payments using an eligible mobile device at a contactless point of sale (“POS”) terminal. It digitizes and replaces the credit or debit card (“Card”) chip and Personal Identification Number (“PIN”) or magnetic stripe transaction at POS terminals.

B. Relationship. The Digital Wallet service is offered by qualified third parties. Security Bank of Kansas City does not own, operate, or control the Digital Wallet service, and is not responsible for any information or other service provided to you by the third party. We are not liable for any failure or performance of the service. Your enrollment into the Digital Wallet service does not impact any other agreement we have with you. The Card Terms and Conditions remain in full force and effect regardless of whether or not you use the Digital Wallet service. For the avoidance of confusion, any transaction you make with your Security Bank of Kansas City Card using the Digital Wallet service will be considered the same as if you had used your Card in person to conduct the transaction and all applicable fees will apply.

C. Eligibility. In order for us to authorize your use of your Security Bank of Kansas City Card within the Digital Wallet service, your Card and the underlying account must be in good standing, and you must not be restricted from using the service based upon any limitations imposed by any involved third party. You are required to have an eligible mobile device in order to use the service. You acknowledge that use of an ineligible mobile device with the Digital Wallet service is expressly prohibited, constitutes a breach of these terms and is grounds for us to temporarily suspend, permanently terminate, or otherwise deny further access to your Card in the service.

D. Fees. We do not charge any fees for using the Digital Wallet service. Please review your Security Bank of Kansas City account agreements and disclosures, including future amendments for any applicable fees, associated with your Card. You are responsible for any fees or other charges that your wireless carrier or associated third party may impose. We reserve the right to institute charges for account access or for additional transactions or features in the future, but only after written and/or electronic notification to you as required by law.

E. Suspension of Card. We may block, suspend, or cancel use of your Card with the Digital Wallet service. We may take these actions at the any time and for any reason, such as if we suspect fraud with your card, your device becomes lost or stolen, or if applicable laws change.

F. Electronic Contact. You agree to receive electronic communications from us, including emails to the email address you have provided in connection with your Digital Wallet account. These electronic communications will relate to your use of the service. You agree to update your email address when it changes by contacting us.

G. Data Privacy. You agree that we may collect, transmit, store, and use certain information about you and your use of your Card in the Digital Wallet service. The transmission, storage, and usage of this data are governed by the privacy policy applicable to your Card or the underlying account. You understand and acknowledge that third parties will have access to certain details regarding eligible Card transactions made using the service. You understand that information you disclose to a third party is outside the control of Security Bank of Kansas City, and it is subject solely to their security policies and governed by their respective privacy policies.

H. Indemnity. You agree to indemnify, defend, and hold Security Bank of Kansas City harmless from and against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of your use of the Digital Wallet service, any negligent or intentional action or inaction, and/or any breach of the terms and conditions of this agreement. You agree that this paragraph shall survive the termination of this agreement for any reason.

I. Other Limitations of Liability and Disclaimer of Warranties. You expressly understand and agree that your use of a Digital Wallet service is at your sole risk. You are solely responsible for the selection, maintenance, security, and operation of your mobile device, software, email, and telecommunication, mobile, and internet service provider. We expressly disclaim any and all liability as relates to the improper use of your mobile device and the access and transmission of data except as provided by statute. We are not responsible for any errors or failures due to any malfunction of your hardware or software, the unsuitability of your device or any virus, or problem that may be associated with the device or its software.

J. Termination or Change. We reserve the right, in our sole discretion and at any time, to discontinue or terminate this service or access to your Card, or to terminate, add, delete, or change any of these terms and conditions. We will provide you with notice of any such termination or change as required by law. Your continued use of the service will constitute your acceptance and agreement to any change in the terms and conditions.

K. Your Responsibilities.
  1. Enrollment in the Digital Wallet – If you want to add your Card to the Digital Wallet, you agree to follow the procedures adopted by the providing third party. We may not add your Card to the Digital Wallet if we cannot authenticate the Card or if we otherwise suspect that there may be fraud associated with the Card. The Digital Wallet allows you to make purchases using the added Card wherever the Digital Wallet is accepted. The Digital Wallet may not be accepted at all places where your Card is accepted.
  2. Report Lost or Stolen Device or Card – If you enroll in the Digital Wallet service and your device is lost or stolen, or you have reason to believe that your device has been compromised, including that of your fingerprint reader, facial recognition, other biometric recognition, PIN, or other security device, you agree to contact us immediately so that we can take action to disable your Card for use within the Digital Wallet. Given that your device can be used like a Card to make purchases, you must notify us in the event your device is lost or stolen with the same urgency as if your actual Card is lost or stolen. If you fail to notify us, you may be liable for all or a portion of the losses associated with unauthorized use of your Card whether that use was through the Digital Wallet service or not.
  3. Security – You are solely responsible for maintaining the confidentiality of your service ID, passwords, device passwords and any other means that you may use to securely access the service on your device. If you share these credentials with anyone, that person may be able to use your Digital Wallet to make purchases or obtain access to your personal and payment information available through the Digital Wallet service. You agree to safeguard your device at all times and not leave it unattended.
  4. Account Ownership/Accurate Information – You represent that you are either the legal owner of the account(s) and other financial information which may be accessed via the Digital Wallet service, or you are authorized to utilize the Digital Wallet by the legal owner of the account. You represent and agree that all information you provide to us in connection with the service is accurate, current, and complete, and that you have the right to provide such information to us for the purpose of using the service. You agree not to misrepresent your identity or your account information. You agree to keep your account information confidential, up to date, and accurate. You represent that you are an authorized user of the device you will use to access the Digital Wallet service.

L. Governing Law. 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 Security Bank of Kansas City Card is covered.

M. Questions. If you have any questions, disputes, or complaints about the Digital Wallet contact the Digital Wallet provider directly. If your question, dispute, or complaint is about your Security Bank of Kansas City Card, then call us at (913) 281-3165 or write us at Security Bank of Kansas City, Attn: Fraud Prevention Department, PO Box 171297, Kansas City, KS 66117.

02/26/2024

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS - REG. E

(For consumer accounts established primarily for personal, family, and household purposes only.)

In Case of Errors or Questions About Your Electronic Transfers, telephone us at (913) 281-3165 or write us at Security Bank of Kansas City, P.O. Box 171297, Kansas City, Kansas, 66117-0297 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

  1. Tell us your name and account number (if any).
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point of sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

06/2024