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 the terms and conditions under which the Majority Prepaid Visa Card (Card) has been issued to you by Sutton Bank (pursuant to a license by Visa USA Inc.), as well as the records maintained by Sutton Bank to account for the funds associated with the Card (Card Account). 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. Cyber-attacks are a growing concern for small businesses. When you use your Card or Card number to initiate a transaction at certain merchant locations, such as hotels, restaurants, gas stations, and rental car companies, where the final purchase amount is unknown at the time of authorization, a hold may be placed on the available funds in your Card Account for an amount equal to or in excess of the final transaction amount. You will need to tell us: 2. This means that the innate human tendency to be a social creature is what will be exploited here. A strong password includes: Multifactor authenticationMultifactor authentication requires additional information (e.g., a security code sent to your phone) to log in. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. The Card remains the property of the Bank and must be surrendered upon demand. The maximum amount that can be spent using your Card is: Cash Access. Card Protection. If the merchant credits your Card, the credit may not be immediately available. If you have provided us with the personal information described in the paragraph above labeled Important Information about Opening a New Card Account, then such funds are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum amount specified by FDIC regulations. For more information on how Visa collects and protects your personally identifying data, . Password-protect access to the router. Yes, you can add your own logo or create a custom credit card with the background image of your choice. Loads are available on the business day when final collected funds are received by us unless a longer time is permitted by applicable law. What this means for you: when you apply for a Card, we will ask for your name, address, date of birth, and other information that will allow us to identify you. Get a Visa License Are you interested in becoming a Visa licensed client? 20192023 MAJORITY USA, LLC. * Rewards offers are subject to approval. Reporting (and deactivating) a lost or stolen Card can also be made via the App. In-store: To use the virtual card in-store, shoppers need to add the card to their Apple or Google wallet, then pay using Apple or Google Pay at the payment terminal. "There is a card number . Customer Service Number: 1 (855)-553 3388. Discover key concepts of the Marqeta platform with hands on tutorials, Issue cards, fund accounts, manage payments, and more, View filterable, curated production data and personalized insights, Explore our endpoints, make API requests, and quickly prototype your product. The Card is nontransferable, is not for resale, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. An ideal card for easy and efficient business purchases. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. 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. Please read this Agreement carefully and keep it for future reference. You are responsible for keeping track of your Card Account available balance. The attacker will try to either obtain access to the email addresses of the influential people in the company or just impersonate them. Please notify us at Customer Service if you have any problems using your Card. The Card is our property and is nontransferable. IF YOU HAVE QUESTIONS ABOUT THIS REQUIREMENT, PLEASE CONTACT CUSTOMER SERVICE. For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. The Card is a prepaid card useable wherever prepaid debit cards bearing the applicable payment network brands on your Card are accepted worldwide. * Rewards offers are subject to approval. a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. Phone Numbers. You must surrender a revoked Card and you may not use an expired or revoked Card. The card was sealed in original packaging until approximately 8:45am on 09/30/2022. On February 23, 2023, the U.S. Department of State updated its guidelines to allow F and M students to apply for their student visas to study in the United States up to 365 . 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. 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). Back up data automatically if possible, or at least weekly, and store the copies either offsite or on the cloud. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer. You may reject this Arbitration provision by sending a written rejection notice to us at: [email protected]. To initiate a signature transaction at the point of sale, select Credit and sign the receipt (if required by the merchant). From time to time the Card services may be inoperative, and when this happens, you may be unable to use your Card or obtain information from your Card or Card Account, including the available balance of funds associated with your Card. This information does not take your personal objectives, circumstances or needs into account. Industry leaders across on-demand delivery, expense management, digital banking & more use Marqeta to quickly launch programs. To the extent permitted by applicable law, we may cancel or suspend your Card, your Card Account, or this Agreement immediately, for any reason, and without notice to you. These transaction limit amounts may be lower when your card is not present, such as an online transaction. We may transfer our rights under this Agreement. The app enables you to send and receive money, purchase stocks and Bitcoin. Sutton Bank review: Vanilla visa debit card. Square Checking is provided by Sutton Bank, Member FDIC. We are not responsible for any such fee and they will be deducted from the balance of the Card, along with the withdrawal or transaction amount. You may not use your Card for any online gambling, escort services or any illegal transaction. Save 10% on full-price purchases over AUD $200, or 12% off purchases over AUD $400 when you pay with a valid Visa 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. These types of transactions include (i) ATM transactions, and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa. More than 80% of those accounts are prepaid. During that period, you will not have access to the funds subject to the hold. 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. If you are entitled to a refund for any reason for goods or services obtained with your Card, the return and refund will be handled by the merchant. This information, along with a 12-month history of the Card Account Transactions, is also available via the MAJORITY App. edX . Legacy payment solutions are slow, rigid, and lack fraud controls. LendingClub, First Century Bank, Green Dot and Metropolitan Commercial Bank didn't respond to Forbes' requests for comment.A Sutton Bank spokesperson says, "the fraud rates we experience . As a best practice, we recommend using one virtual card per vendor. 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. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use your Card, you are redeeming the value on the Card and not making a withdrawal from a checking or savings account. Upon notification to us that your Card may have been lost or stolen or there may be unauthorized transactions from you Card Account we will cancel you Card (both your Virtual and Plastic Card) and close your Card Account. It is important to know your available balance before making any transaction. Fax Numbers. Raising employee awareness about scams and BEC fraud is always a good idea, but businesses shouldnt rely solely on this. 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. - Transfer Funds. EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE CARD OR RELATING TO OR ARISING OUT OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. 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. You may not permit another person to have access to your Card or Card number. Complimentary insurances. Its true that theres no foolproof method that you can use to protect your business, but educating your employees about security threats and best practices for online behavior and privacy can greatly reduce the possibility of a BEC scam. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. About Your Card and this Cardholder Agreement. See our Rewards Terms and Conditions for Cash Back and the Welcome Bonus for details. Secure your networksSafeguard your Internet connection by using a firewall and encrypting information. 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. If you do not agree to the terms and conditions contained in this Agreement, do not activate or use the Card and contact Customer Service to cancel your Card. From global enterprises to booming startups, innovators count on Marqeta. We reserve the right to require an affidavit signed by you and conduct an investigation into the validity of any request. 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 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. 22. Save 12% on all purchases when you pay with a valid Visa card. It is your responsibility to check the Agreement periodically for changes. All credit decisions are made by Backoffice.co, Inc DBA finally. Includes prepaid. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. Our Privacy Statementexplains how we use cookies. If you do not have enough funds available in your Card Account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or using another payment method. Visa Gift cards can be used nationwide in-store and online, where Visa debit cards are accepted. After collecting the necessary data, attackers will behave as the company CEO or any high-level executive and send an email to employees in finance, requesting money transfers to the account they control. A dedicated specialist from Scotiabank is ready to assist - from consultation to implementation to help ensure your team takes full advantage of the program. 16. Full details are available on request. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who obtains a Card. 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. 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. The employees are targeted in order to obtain personally identifiable information (PII) or tax statements of employees and executives, important data that can be used in future attacks. 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.
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