Activating Your Card: You must activate your Card before it can be used. 28. For more information on how Visa collects and protects your personally identifying data, . This Agreement is revised periodically, so it may include changes from earlier versions. In addition, we remind you that the Card and the related services descried herein are made available exclusively to the customers of Majority USA, LLC and that the services provided by that company are subject to the subscription fee as set out in the Majority Terms of Services. If you arrange to have funds transferred directly to your Card Account from a third party through an ACH load, you must enroll with the third party by providing the bank routing number and direct deposit account number that we provide you. MasterCard and Visa currently use a conversion rate that is either: (a) selected from a range of rates available in the wholesale currency markets (note: this rate may be different form the rate the association itself receives), or (b) the government-mandated rate. Unfortunately, cybercriminals have discovered how to steal your hard-earned money. Options may vary. We may offer additional products, features and services to you in connection with your Card, such as SMS text message and e-mail alerts, mobile account services, bill payment services, a loyalty program, and other services. Isolate payment systems from other, less secure programs and do not use the same computer to process payments and surf the Internet. Best Practices. The expiration date of the Card is identified on the front of your Card. a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. 2023 Sutton Bank Portions Copyright Kasasa, Ltd. All rights reserved. Nevertheless, if a transaction exceeds the balance of the funds available in your Card Account, you shall remain fully liable to us for the amount of the transaction. The Card will remain the property of the Issuer and must be surrendered upon demand. About Your Card and this Cardholder Agreement. Training employees on basic internet best practices can go a long way in preventing cyber-attacks. The plaintiff alleges the fintech company and Ohio-chartered bank have wrongfully refused to refund $3,000 that was fraudulently drained from her account after she fell victim to an apparent scam involving Square's Cash App, used to send and receive money online. . Platinum Mastercard. Any translation provided may not accurately represent the information in the original English. Cyber-attacks are a growing concern for small businesses. You may use your Card to purchase or lease goods or services online, by mail or telephone wherever Visa debit cards are accepted as long as you do not exceed the value available in your Card Account, or any other limitations set our herein. 3. The impulse to say yes fast to a request from your management overrides the need to double-check if everything is in order with that request in the first place. Media & ad agencies. Attackers achieve this by using different manipulating techniques in order to trick users into providing money or data. More than 80% of those accounts are prepaid. IN ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY. IF YOU HAVE QUESTIONS ABOUT THIS REQUIREMENT, PLEASE CONTACT CUSTOMER SERVICE. 37. Our open API platform allows businesses to instantly issue cards and process payments. When you use your Card, you are redeeming the value on the Card and not making a withdrawal from a checking or savings account. We reserve the right to block, suspend, or cancel your Card if, as a result of our policies and processes, we detect what we reasonably believe to be fraudulent, suspicious, or criminal activity or any activity inconsistent with this Agreement. Macao . Applicable law may require us to report to state government authorities any funds remaining with respect to your Card after a certain period of inactivity. You should not write or keep your PIN with your Card. Employees should be aware of the risks and implications that these attacks hold, as well as how to spot scams and properly respond to an incident of this sort. We will attempt to communicate with you only by use of the most recent contact information you have provided to us. 10. TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOUR RECOVERY FOR ANY ALLEGED NEGLIGENCE OR MISCONDUCT BY US SHALL BE LIMITED TO THE TOTAL AMOUNT LOADED ON THE CARD. If you use your Card after such notice or modification is provided, you are agreeing to the change. By checking this box, you agree to receive marketing emails from Visa. For the avoidance of doubt, the use of your Virtual Card will have the same legal effect as when you use your Plastic Card. Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases. Having at least basic email security in place and two-factor authentication is a must. Any organization requires effective communication. The exchange rate used on the central processing date may be different than the rate that was in effect on the date you performed the transaction. Regular APR. In some cases we may follow up and request company bank statements or additional . Crypto cards. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account. Co-Branded Credit cards allow large businesses such as retail chains, hotels or airlines to offer special discounts, cashbacks . The Revenued Business Card Visa Commercial Card is powered by Marqeta. See our Rewards Terms and Conditions for Cash Back and the Welcome Bonus for details. Sometimes employees tend to rush an action or a response, therefore training them to double-check before executing a task could reduce the risk of being compromised by a cyber attack. Annual Fee. The card is designed for people with fair, good, and excellent credit. Target Market Determinations for the products are available. The Card is our property and is nontransferable. Insurance. SUTTON BANK PREPAID RULE SHORT FORM DISCLOSURE, Fees associated with your Majority Prepaid Visa Card, 2. Please refer to our terms and conditions for more information. Concession Opal cards need . By applying for or otherwise by activating the Card, retaining, using or authorizing the use of the Card or any other services provided by us, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien (with valid U.S. tax ID number) residing in the United States, Puerto Rico or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. We may refuse to process any transaction that we believe may violate the terms and conditions of this Agreement. ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. You agree that from time to time, without further notice to you, we may monitor and/or record telephone calls and electronic communications between you and us to assure the quality of our customer service or as required by applicable law. You are required to notify us immediately if you believe the Card is lost or stolen. It is important to know your available balance before making any transaction. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized transactions using your Card Account that take place on the Visa system without a PIN is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. To find out if the Commercial Card program is right for your business, or to explore our other payment solutions, please speak with a Payment, Cash Management & Deposits Specialist today. Once they have them; they can use them to transfer money out of your bank account and into theirs. Control your card through a mobile app. Received a Holiday Cheer Gift card for $100.00. Add some flexibility to your budget with a card thats accepted everywhere. * Rewards offers are subject to approval. Click on this link to access the MoneyIQ for Business Financial Literacy and Education Center. Other fees may apply. From global enterprises to booming startups, innovators count on Marqeta. 14.99% - 29.99%. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card. This Agreement does not replace, but supplements the Majority Terms of Service (available in the App), however in case of any inconsistency between the Majority Terms of Service and this Agreement, this Agreement shall govern and control your use of the Card and Card Account and otherwise your relationship with Sutton Bank. If we ask for specific identifying documents, we will have the right to immediately close or suspend your Card Account if those specific documents are not provided. Tell me more. You also have the right to obtain at least 24 months of written history of account transactions by calling 1-855-553-3388, or by writing us at MAJORITY USA, LLC, 9801 Bissonnet Street, Suite V, Houston, Texas 77036, USA, Attn: Customer Support. We reserve the right, at any time in our sole discretion without providing notice to you, to change, delete or add to this Agreement and to apply any such modification to a Card, to any available balance on the Card Account or otherwise to the legal relationship between you and us. Save 10% on full-price purchases over AUD $200, or 12% off purchases over AUD $400 when you pay with a valid Visa card. We use cookies for security purposes, to improve your experience on our site and tailor content for you. @alexandra 01/24/22 This answer was first published on 01/24/22. Transactions in Foreign Currencies. Mega International Commercial Bank ( Visa credit and debit cards, JCB and MasterCard credit cards) Shin Kong Bank (Mastercard and Visa . You agree to sign the back of the Card immediately upon receipt. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Payments are then sent to fraudulent bank accounts. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. You must contact us at once if you believe your Card or PIN has been lost or stolen, or that someone has transferred or may transfer money from your Card Account (for example by using your Card) without your permission. If you seek to withdraw cash from a merchant POS device, please note that each merchant may establish limits as to how much cash may be obtained from a POS device at a single time or through a single location. Security: If the vendor's website security is compromised, your card information with other vendors stays safe. Administrative privileges should only be given to trusted IT staff and key personnel. . Assignment; Applicable Law; Severability. As a result, every job in the organization is responsible for cybersecurity knowledge and abilities. Use the Supply Chain Risk Management Toolkit to help shield your business information and communications technology from sophisticated supply chain attacks. After diligently researching his targets for some time, the attacker will develop a few scam scenarios that might work. You can manage your preferences. These types of requests are done usually through email or phone and take place at the end of the business day when the victim is tired and less focused. The maximum amount that can be spent using your Card is: Cash Access. Blue Ridge Bank, a nationally-chartered commercial bank, Member FDIC, originates personal loans and auto refinance loans. Your Card will not be available for activation until Sutton Bank has verified your identity. In this specific scam companies working with foreign suppliers are often targeted. Theres no substitute for dedicated IT supportwhether an employee or external consultantbut businesses of more limited means can still take measures to improve their cybersecurity. This Sutton Bank Cardholder Agreement (" Agreement ") constitutes the agreement between you, and Sutton Bank Attica, Ohio (" Sutton Bank " or " Issuer "), a FDIC insured member institution, outlining . Free ATM withdrawals if you set up direct . | The Revenued Business Card is a purchase of future receivables and not a loan. 20192023 MAJORITY USA, LLC. The money exchange booth at LAX was $1.18 and Travelex at SYD was $1.14 + 3%. We value their cutting-edge technology, reliability, and easy to use platform APIs.. We cannot accept responsibility for any email messages not received by you or for any delay in the receipt or delivery of any email notification. Any translation of this Agreement is provided for your convenience. Please read this Agreement carefully and retain it for future reference. - Transfer Funds. Additional terms and conditions may apply. The PIN you set will apply both in relation to your Virtual Card and your Plastic Card. This free app provides you with quick access to the online banking tools you need, so you can manage your finances on the go. To hide your Wi-Fi network, set up your wireless access point or router so it does not broadcast the network name, known as the Service Set Identifier (SSID). | The Revenued Business Card is a purchase of future receivables and not a loan. Through the Cash App Taxes feature, you can file your taxes for free and through Cash App Investing, you can make investments and buy Bitcoin for as little as $1. Hockerty . Square Debit Card may be used wherever Mastercard is accepted. If you do not promptly add sufficient funds to your Card Account to cover the negative balance, in addition to any other remedies or actions, we may cancel your Card and Card Account and pursue collection. All Cards are issued by Sutton Bank and distributed and serviced by Majority USA, LLC. You may add funds to your Card Account, called loading, by: (i) Automated Clearing House (ACH) loads up to $5,000 per month, minimum $20 per load, maximum $5,000 per day with a limit of 5 transactions per day; (ii) credit or debit card loads up to $500 per transaction, $500 per day, $5,000 per month with a limit of 5 transactions per day and a minimum of $20 per load; (iii) direct deposit loads up to $5,000 per day, $10,000 per month, with a limit of 3 transactions per day; (iv) federal transaction direct deposit loads from the IRS Treasury up to $10,000 per day; and (v) loading cash through one of our reload locations up to $500 per transaction, $2,500 per day, $5,000 per month with a maximum of 5 reloads per day. Copies of the documents used in the investigation may be obtained by contacting Customer Service. Our business days are Monday through Friday, excluding US federal holidays, even if we are open. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. with your Visa Commercial card. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. You may simply lock the card for the specific vendor and not have any additional recurring spend blocked. You can also set up direct deposits to your account and get a debit card. Detect fraud, control your spend, and ensure the highest levels of compliance and uptime. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. If you want to cancel the Card, the Card Account and this Agreement please contact Customer Service. - Review Transaction History. A card that can help drive process efficiencies and improve control over procurement spend. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. The Card is not a credit card and will not enhance your credit rating. Malware can include viruses and ransomware. Although considerable effort is expended to make the App and Website and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free every minute of the day. The arbitrators award will be binding and final. 1. Secure payment processingWork with your banks or card processors to ensure the most trusted and validated tools and anti-fraud services are being used. Use strong passwordsUsing strong passwords is an easy way to improve your cybersecurity. Box); (iv) the personal information that you provide to us and/or Majority USA, LLC in connection with the Card or other services provided by us or Majority USA, LLC is true, correct, up-to-date (at all times) and complete; (v) you have duly registered yourself with Majority USA, LLC in the App and that you have read and understand the Majority Terms of Service and agree to be bound by and to comply with their terms and conditions; (vi) you have read and understand this Agreement and agree to be bound by and to comply with its terms and conditions; and (vi) you accept the Card. Phone Numbers. You may reject the arbitration provision by sending us written notice within 45 days after your first card purchase. Square Checking is provided by Sutton Bank, Member FDIC. If the merchant credits your Card, the credit may not be immediately available. To activate your Card, follow the steps and instructions for activation in the App. Lodge with frequently used pre-approved suppliers. Our 5-star customer service team is here to answer any questions you may have. Credit Cards. If you need more information about our error-resolution procedures, please contact Customer Service. 55 day interest-free period on all purchases. If we decide to do this, we will credit your Card within ten (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 to complete the investigation. If we decide that there was no error, we will send you a written explanation. After your Card Account is opened, we may ask again to see a copy of your drivers license or other identifying documents at any time if we deem is necessary to verify your identity, address, or transactions on your Card Account. Building and adopting a component library in the context of a vibrant business is no easy feat. If you do not have enough funds available in your Card Account for the amount authorized by you, your transaction will be declined. The funds associated with the Card do not expire. To earn the victims trust, this communication frequently employs persuasion, urgency, and authority. Rellevate handles all customer service for the program. Sumissura . Complimentary insurances. Find out more. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard. *When consolidating purchase volume processed through Marqetas platform in 2019. To initiate a signature transaction at the point of sale, select Credit and sign the receipt (if required by the merchant). IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. According to the lawsuit, many Cash App users pay for purchases by way of a . An extremely important step an organization must take in safeguarding against BEC is to provide employees with adequate cybersecurity training. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. You may reject this Arbitration provision by sending a written rejection notice to us at: support@majority.com. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). Viruses are harmful programs intended to spread from computer to computer (and other connected devices). The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. We may also ask to see a copy of your drivers license or other identifying documents. Making cyber security everyones responsibility is extremely important, therefore you should include management and IT in your education program, as well as have regular cyber security sessions, and of course create specific rules for email, internet browsing, social networks, and mobile devices. The Card will have an expiration date and the Card will expire, in accordance with applicable law, on the expiration date. When you notify us about an error we may require that you complete our error/dispute form which you need to complete in writing and provide to us within the (10) business days. Tried to use at Ann Taylor in Potomac Mills Mall, Woodbridge at 11:14am and told balance was only 1.44. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. . Transactions Routed through the Visa System: Visa Zero Liability Protection. On-demand services. If you need to replace your Card for any reason we recommend that you make your request for a replacement Card within the App. Transactions Not Routed Through the Visa System: Unauthorized transactions that are not routed through Visa are not protected by the Visa Zero Liability Protection policy. 27. MoneyIQ Financial Literacy and Education Center, Protecting sensitive customer and vendor information. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately, following the procedures in the section labeled Lost or stolen cards/unauthorized transfers below. Why you believe there is an error, and the dollar amount involved, 3. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. We do not waive our rights by delaying or failing to exercise them at any time. Upon your request, we will issue you a replacement Card. Easily expand across the United States, Europe, and Asia with our global-ready platform. As a best practice, we recommend using one virtual card per vendor. The Card issued to you will be in the form of a virtual card (available to you in the App) (Virtual Card) and a physical card (a plastic card, which will be delivered to you) (Plastic Card), both cards carrying and representing the same assigned 16-digit card number and Card Account. Simplify business expenses with this comprehensive solution, Pay for all your business expenses with a single program thats simple to use, Maximize your cash flow with flexible payment terms, Integrate with most technology platforms and accounting systems, A dedicated specialist from Scotiabank is ready to assist - from consultation to implementation to help ensure your team takes full advantage of the program, Access spending data through convenient web access for exceptional program reporting, Reduce purchasing administrative costs and improve operational efficiencies. The card is issued by Sutton Bank and is unique to a user's Cash App account. Ransomware is a specific type of malware that infects and restricts access to a computer until a ransom is paid. No one else may sign the rejection notice. Visa Business credit cards. Reduce purchasing . The Plastic Card is valid through the expiration date identified on the front of the Plastic Card and the Virtual Card is valid through the expiration date identified on the front of the Virtual Card and in the App, except where prohibited or modified by applicable law. or Sutton Bank, Members FDIC. In its ordinary course of business, Sutton Bank may utilize a . Use open APIs to create new payment products or streamline supplier and workforce payments. Fax Numbers. Lets take as an example an email coming from a senior executive in the company in which a large amount of money is requested in an urgent manner. You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or have been loaded into the Card Account on your behalf. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any third party, stalk, threaten or harass anyone, gain any unauthorized entry, or interfere with the systems and integrity of the App and Website. Any different agreement regarding arbitration must be agreed to in writing. One final way to obtain your debit card balance is through your bank's app. Visit the one-stop shop for learning about doing business in Ohio. In case of errors or questions about your electronic transactions or Card Account, contact us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. The Visa Gift Card can be used everywhere Visa debit cards are accepted in the US. Password-protect access to the router. We further reserve the right to offset any negative balance by any current or future funds you may load to or maintain in your Card Account or funds in any other Card Account you maintain with us now or in the future. Sutton bank is the service provider for CA, so if you do an ACH transfer into your CA account, that is legit, go to the account info for your CA routing# / account# that is your "back end" Sutton account. Any funds remaining on the Card after cancellation will be sent to you upon request via a refund check to the mailing address we have in our records. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days to our Customer Service at the address provided below. Our team of experts provide guidance from setup to launch & scale. Bank of America normally charges a $5 ATM fee. 2 Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if . Your rejection notice must be mailed within 45 days after your first card purchase. "There is a card number . We may, subject to applicable law, deliver to you any notice of such modification to the Agreement by way of publishing an updated version of this Agreement within the App and on the Website or by delivering notice of the modifications to you electronically. The Card is not a gift card. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. The fastest and easiest way to minimize your possible losses is to report this/deactivate your Card by using the App, otherwise you may always contact us via our Customer Service by phone 1 (855) 553-3388. For better business. The finally Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc. .

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