Improvements in the high-temperature wash durability and discoloration levels for fabrics having topically applied silver-ion treatments (such as ion-exchange compounds, like zirconium phosphates, glasses and/or zeolites) are provided. Such solid compounds are generally susceptible to discoloration and, due to the solid nature thereof, are typically easy to remove from topical surface applications, particularly when laundered at elevated temperatures. The inventive treatment requires the presence of a specific cross-linked binder, either as a silver-ion overcoat or as a padded-on component of a cross-linked binder admixed with the silver-ion antimicrobial compound. In addition, specific metal halide additives (preferably substantially free from sodium ions) may be utilized to combat the discolorations typical of such silver-ion formulations. As a result, high-temperature wash durability, discoloration levels, or both, can be improved to the extent that after a substantial number of standard launderings and dryings, the inventive treatment does not wear away in any appreciable amount and the color of the treatment remains substantially the same as when first applied. The particular treatment method, as well as the treated fabrics are also encompassed within this invention.