While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction and the refund may not be available for a number of days after the date the refund transaction occurs. Visa Gift cards can be used nationwide in-store and online, where Visa debit cards are accepted. 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. Sutton Bank review: Vanilla visa debit card. Isolate payment systems from other, less secure programs and do not use the same computer to process payments and surf the Internet. Learn about the threats and how to protect yourself. * Rewards offers are subject to approval. By creating an email address with a spoofed domain and just adding 1 digit or one letter in the domain name you could become a victim. A copy of this Agreement is available to you in the App and on the Website. Annual rate from 6.99 % p.a. They often target small-to-medium-sized businesses because these businesses often do not use dual controls on their accounts nor have they adopted a strong information security posture. Co-Branded Credit Cards are bank cards issued by banks in joint sponsorship with the retail merchants. All credit decisions are made by Backoffice.co, Inc DBA finally. Find the best card for your small business. Payments are then sent to fraudulent bank accounts. You are responsible for notifying us of any change in your name, physical address, mailing address, email address, or phone number. No Warranty of Availability or Uninterrupted Use. Once they have them; they can use them to transfer money out of your bank account and into theirs. 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. 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. The Card is not for resale and may not be transferred or assigned. 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. The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. The amount of the fee should be disclosed at the ATM. Start by learning about common cyber threats, understanding where your business is vulnerable, and taking steps to improve your cybersecurity. If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, the Bank may assess a foreign currency conversion fee of 3% of the transaction amount and will retain this amount as compensation for its services. You may reject the arbitration provision by sending us written notice within 45 days after your first card purchase. Limitation of Liability and Indemnification. We may transfer our rights under this Agreement. The Card is not a gift card. Cyber-attacks are a growing concern for small businesses. In that event, we may try to contact you at the address shown in our records. It is important to know your available balance before making any transaction. edX . 29. Having at least basic email security in place and two-factor authentication is a must. Reap the benefits of your hard work, with our Platinum Credit Card. This Agreement is effective April 01, 2021. In this specific scam companies working with foreign suppliers are often targeted. We use cookies for security purposes, to improve your experience on our site and tailor content for you. Our open API platform allows businesses to instantly issue cards and process payments. . The app enables you to send and receive money, purchase stocks and Bitcoin. Secure payment processingWork with your banks or card processors to ensure the most trusted and validated tools and anti-fraud services are being used. 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. This means that the innate human tendency to be a social creature is what will be exploited here. An extremely important step an organization must take in safeguarding against BEC is to provide employees with adequate cybersecurity training. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Program management. 1 Securely lock your Business Visa Debit Card when you need to and unlock it again when you don't. Use it to control your business expenses while you're working out the best financial decisions for you. 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). See our Rewards Terms and Conditions for Cash Back and the Welcome Bonus for details. We value their cutting-edge technology, reliability, and easy to use platform APIs.. The PIN must be used on all automated teller machine (ATM) transactions and PIN transactions. Every prepaid Visa Gift Card design can be sent as an eGift Card by email or a plastic Gift Card by mail. . arrow_forward. Please contact your product specialist for further information. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history. Transactions made outside of the 50 United States, the District of Columbia, Puerto Rico, and other U.S. territories are also subject to this conversion fee even if they are completed in U.S. currency. The Cancellation will not affect any of our rights or your obligations arising under this Agreement before the Card was cancelled. However, certain third-party fees may apply as further described below. If we are unable to contact you, we may be required to transfer any funds remaining with respect to your Card to state government authorities as unclaimed property. Please contact our support team directly at[emailprotected], Sign up today to receive alerts when we launch new business finance content and solutions. Supply Chain Risk Management. However, the criteria to qualify for this program can be flexible, based on your companys size and business needs. 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. The Card may only be used for personal, family or household purposes, and we may cancel your Card if we determine that it is being used for commercial purposes. The Card is not connected in any way to any other account. Secure your networksSafeguard your Internet connection by using a firewall and encrypting information. - Review Transaction History. 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. You can mitigate these risks using clear communication of roles and expectations whilst providing appropriate guidance in the use of IT and accounting controls. Making you successful is our priority. Co-Branded Credit cards allow large businesses such as retail chains, hotels or airlines to offer special discounts, cashbacks . If you make your email account available to any other individual, you agree that you are responsible for any release of any Account information to such individual. Any translation provided may not accurately represent the information in the original English. Reimbursements will show in your bank statement using the following template: first, "RAMP REIMBURSE", followed by the first initial and last name of the employee being reimbursed. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. Keep record of your account in case your Card is lost, stolen, or destroyed. You will receive a weekly report for your action. Give us a call at +1-877-662-3489 or fill out the form below and well get back to you within 24 hours. This type of scam usually targets employees from the HR and bookkeeping departments. We may temporarily suspend your Card in the event we detect unusual or suspicious activity. 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. Fax Numbers. All Cards are issued by Sutton Bank and distributed and serviced by Telos Gifting, LLC, which may be contacted by phone at 866-353-4237 or by mail at 495 Mansfield Avenue, Pittsburgh, PA 15205. . IMPORTANT PLEASE READ CAREFULLY. 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. 3. Your Card will not be available for activation until Sutton Bank has verified your identity. Includes prepaid. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. Lost or Stolen Cards/Unauthorized Transfers. Insurance. Easy to Give, Easy to Use. ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. Rellevate handles all customer service for the program. Primary Fax. FOR QUESTIONS OR ASSISTANCE, PLEASE CONTACT CUSTOMER SERVICE AT 1 (855) 553-3388, 1. Employees should understand that its better to delay the payment than to be scammed and take the proper steps in making sure the request that came their way is actually legit. One final way to obtain your debit card balance is through your bank's app. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You agree to present your Card and meet identification requirements to complete load transactions as may be required from time to time. WE WILL NOT BE LIABLE TO YOU FOR: DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; THE FAILURE OF MERCHANTS TO HONOR THE CARD; THE FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES; COMMUNICATION SYSTEM FAILURES; OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, OR ANY PAYMENT SYSTEM. If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we may be liable for your losses or damages. Such software is readily available online from a variety of vendors. The Gift Card Granny Visa Gift Card and the Virtual Visa Gift Card are issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Bank of America is about $1.12 on the ATM withdrawal exchange rate. 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. NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. * Rewards offers are subject to approval. The Revenued Business Card Visa Commercial Card is powered by Marqeta. Similar to logging in online, the app will usually provide you with a home screen once you . The Card is not a credit card and will not enhance your credit rating. Save 12% on all purchases when you pay with a valid Visa card. . Fraudulent or Criminal Card Account Activity. 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. 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. In addition to the currency conversion charge, we will impose a charge equal to 3% of the transaction amount (including credits and reversals) for each transaction (U.S. or foreign currency) that you conduct at merchants (including foreign websites) outside the United States. Our 5-star customer service team is here to answer any questions you may have. If you want to cancel the Card, the Card Account and this Agreement please contact Customer Service. The Gift Card Granny Visa or Mastercard is a prepaid Card issued by Sutton Bank. 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. This free app provides you with quick access to the online banking tools you need, so you can manage your finances on the go. 10+ years of modern card issuing experience, Top 25 largest U.S. debit card purchase volume*, Affirms mission is to build innovative products that people love, and Marqetas unique technology provides us the platform and services to help make that possible., Marqeta is vested in our success and that is what makes us want to collaborate even further. You Should also make sure to update your security software regularly and keep a backup of your data. You hereby agree to accept all legally required notices by electronic means including publications made within the App or on the Website. All funds associated with the Card shall be held in an account with the Issuer, with the balance of such funds to be reduced through your use of such funds or through the imposition of fees and other charges in accordance with the terms and conditions of this Agreement. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make or authorize, notify us at once following the procedures stated in the paragraph labeled Your Right to Dispute Errors. 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 will have an expiration date and the Card will expire, in accordance with applicable law, on the expiration date. You can either do the assessment yourself, orrequest a facilitated assessmentby DHS cybersecurity professionals. 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. 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. Developed by the DHS Cybersecurity and Infrastructure Agency (CISA), this toolkit will help you raise awareness and reduce the impacts of supply chain risks. The Card is a prepaid card. 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. 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. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. It is your responsibility to check the Agreement periodically for changes. Here are a few things we've learned. 2023 Sutton Bank Portions Copyright Kasasa, Ltd. All rights reserved. If we exercise this right, we will incur no liability to you because of any resulting unavailability of the funds in your Card Account or your inability to use your Card. Note that you may also be charged a fee for a balance inquiry even if you do not complete a fund transfer. The Virtual Visa Gift Card can be redeemed at internet merchants everywhere Visa . Be sure to use different passwords for your different accounts. To earn the victims trust, this communication frequently employs persuasion, urgency, and authority. Transactions in Foreign Currencies. Our business days are Monday through Friday, excluding US federal holidays, even if we are open. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard. Depending on the adversarys thoroughness, the BEC assault can occur in a single email or throughout an entire thread. These emails often entice users to click on a link or open an attachment containing malicious code. In connection to these actions, we may need certain information from you, such as your full name, Card number and transaction history details. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. Small business lending. Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases. Well, like all social engineering attacks, BEC fraud relies on the human factor in order to be successful. According to the lawsuit, many Cash App users pay for purchases by way of a . Perfect for startups launching a card program. Back up data automatically if possible, or at least weekly, and store the copies either offsite or on the cloud. Crypto cards. Full details are available on request. If you have any objections, complaints or disputes which relates to your contractual relationship with a merchant from whom goods or services were purchased (by using the Card), you shall address and handle this directly with that particular merchant; more specifically, we are not responsible for the delivery, quality, safety, legality, or any other aspects of goods or services that you purchase with the Card. YOU AGREE TO HOLD HARMLESS AND INDEMNIFY US AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES (AND THEIR SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES) FROM AND AGAINST ANY AND ALL CLAIMS, SUITS, DAMAGES, PENALTIES, COSTS, FINES, LIABILITIES AND EXPENSES, INCLUDING, WITHOUT LIMITATION, REASONABLE ATTORNEYS FEES, THAT ARISE FROM YOUR VIOLATION OF THIS AGREEMENT, APPLICABLE LAW, OR ANY THIRD-PARTY RIGHTS OR YOUR FRAUD OR WILLFUL MISCONDUCT. About Your Card and this Cardholder Agreement. According to theFBIs Internet Crime Report, the cost of cybercrimes reached $2.7 billion in 2020alone. Activating Your Card: You must activate your Card before it can be used. Add some flexibility to your budget with a card thats accepted everywhere. - View Account Balances. To protect the use of your Card, you are required to set a personal identification number (PIN). Online: To use the virtual card online, shoppers simply need to enter their card details at checkout just like they would any other debit or credit card. We will attempt to communicate with you only by use of the most recent contact information you have provided to us. . 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 . Any funds withdrawn from a POS device or through a participating bank will be subject to the maximum amount that can be spent on your Card per day. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. IN ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY. You agree to sign the back of the Card immediately upon receipt. 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. The card is issued by Sutton Bank and is unique to a user's Cash App account. We will not charge you a fee to use your Card at any ATM owned by us (currently ATMs pertaining to the Interlink, Pulse and Plus networks), however, operators of other ATMs and cash dispensing devices, their networks, and merchants may charge you a fee. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious. 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. Rejection of this Arbitration provision will not affect your other rights or responsibilities under this section or the Agreement. The attacker then gives the victim instructions to either make a money transfer or send sensitive data. Transactions Routed through the Visa System: Visa Zero Liability Protection. If any transactions cause the available balance in your Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees. Already a Revenued cardholder? Sumissura . If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. 55 day interest-free period on all purchases. You may not permit another person to have access to your Card or Card number. 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. Get 15% off on individual courses at edX, only with your Visa card. Helping your business make the most of the Scotiabank Visa* Commercial Card. The Revenued Business Card Visa Commercial Card is powered by Marqeta. On-demand services. We will not charge you any fees for the initial issuance or use of the Card. FCC Planning ToolThe Federal Communications Commission offers acybersecurity planning toolto help you build a strategy based on your unique business needs. The Card is a prepaid card useable wherever prepaid debit cards bearing the applicable payment network brands on your Card are accepted worldwide. 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. Password-protect access to the router. Purchased at a Walgrens on 12/20/21 at 1:23 pm. Information for starting and maintaining a business. We may revoke or suspend your Card or any features or services of your Card at any time without cause or notice. Access the toolkit here. Regular APR. 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. You must surrender a revoked Card and you may not use an expired or revoked Card. You agree to pay us promptly for the negative balance. | The Revenued Business Card is a purchase of future receivables and not a loan. Reporting (and deactivating) a lost or stolen Card can also be made via the App. Ransomware is usually delivered through phishing emails and exploits unpatched vulnerabilities in software. 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. This information, along with a 12-month history of the Card Account Transactions, is also available via the MAJORITY App. Card Protection. 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. Apply for the right card and see what a difference we can make. Industry leaders across on-demand delivery, expense management, digital banking & more use Marqeta to quickly launch programs. Lets talk about your use case and how we can help. 1. Macao . You should not write or keep your PIN with your Card. 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. During that period, you will not have access to the funds subject to the hold. For further information please go to Expense . To initiate a PIN transaction at the point of sale, select Debit and enter your PIN at the point of sale terminal. Buy Now, Pay Later. (419) 756-2449. We will reject any loads that exceed the maximum balance allowed on your Card. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation of this Agreement is provided for your convenience. We are not responsible for such fee. You agree that the Issuer, Majority USA, LLC, and their respective affiliates, employees, or agents are not responsible for any interruption of service. Get a Visa License Are you interested in becoming a Visa licensed client? If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by the Card Network into an amount in the currency of your Card. The applicable exchange rate will be selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate. Configure all software to install updates automatically. Our commercial card is compatible with most Expense Management System providers in the market place where we are able to send enhanced data (dependent on travel management company enablement). Amendment, Suspension and Cancellation. Managers should bear in mind that hackers dont just break into the IT department by sheer force; they look for weaknesses. We remind you that the offering and provision of the Card and the related services set out in this Agreement are conditioned upon that you are an existing customer of Majority USA, LLC and permitted by Majority USA, LLC or otherwise eligible to acquire services under the Majority Terms of Service. If you are still experiencing issues, please call 833 . Opal cards can be ordered online for delivery to an Australian address within 5 to 7 business days. Phone Numbers. You acknowledge and agree that the value available in the Card Account is limited to the balance of the Card Account. However, there are some exceptions. With purchasing convenience, cost savings, available credit, and detailed reporting, you'll have what you need to nurture your small business and help it thrive.

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