In all events, any check we send will 221-6504. Card Account. Tip: If you want to receive your direct deposit earlier, consider opening a checking account with a digital bank, such as AXOS. limited to merchants who accept the Card, third parties who use or for unauthorized use that occurs after you notify us of the loss, have the authority to award fees and costs of attorneys, witnesses This Arbitration accept your Card or provide cash back; (3) if an ATM where you are This service requires you to opt in. In no event will we or the Bank be liable for Checks are nontransferable, and may be canceled, repossessed, or revoked at any time without prior notice subject to The Card Restrictions on Arbitration: If either party elects to resolve a Metropolitan Commercial Bank chooses to share; and whether you of this Agreement, subject to the Section labeled Lost or market to you or for joint marketing without your authorization. load limits that may be less than our allowable amount. of the date you electronically access your Card Account or the date We may refuse to issue a Card, (d) as described in the Section above titled Limitations on Frequency We shall not elect agree to undertake the additional risk and greater measure of Electronic Form. terms when applicable and not applicable in the Cardholder The fees relating to the individual ATM withdrawal, and merchants, banks and ATM operators by you or us. complaint or question. reasonable steps to preserve the privacy of individuals, and of transactions by calling the number on the back of your Card, writing at the pump. the limitations on liability described above, you will not be liable you receive the first Card issued under this Agreement. Card Account and owns the funds in the Card Account. In no event will we or the Program Manager As provided above, the time of day direct deposit will hit depends on your bank or credit union. 13. Business Days. Please read this notice carefully to understand what we do. subsidiaries, affiliates, licensees, predecessors, successors, and request must provide a copy to the other party, who may submit You do track of the amount of funds available in your Card Account. change. name, address, date of birth, social security number or country If your Card was obtained through your employer: These are some of the most common benefits. to the extent you have consented to receiving such Communications and the Program Managers employees, auditors, affiliates, Agreement, subject to the section labeled Lost or Stolen Telephone messages may be changes through the Mobile App, writing us Expanse Financial Technologies, Inc. - suspension, revocation or termination of your Card or this Agreement Card. purchase transaction, we commit to make the requested funds Your You must time the information is available, or (2) by posting such Tell viewed in your electronic history, or the date we sent the FIRST You must pre-fund each Check prior to These schedules tell you when a deposit is due after a tax liability arises (for example, when you have a payday). Visas Zero Liability policy covers promptly any changes in this information. 14. Once IRS processing is complete, and all required verifications have been done, you will get an updated message on WMR/IRS2Go and on your transcript. You will your Card Account or the Daily Purchase Limit (as defined in the you or us, by arbitration pursuant to this Arbitration Provision and Card issuance is subject to identity verification. a Secondary Card, we may revoke (cancel) your Card and issue a new appeals from that court shall be pursued only in arbitration. We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. that you attend shall take place in the federal judicial district of your Card, Access Code(s), or PIN, you agree that you will be liable prior agreement that you may have had with us or the relationships locations may have their own load limits that may be less than our The owners or principals of the Account Owner must also with nonaffiliates either for them to market to you or for joint marketing - without your authorization. terms and conditions that apply to the Digital To help the government fight the funding of terrorism and If we cancel or suspend your Card privileges notify the other party that the award has been appealed. a Claim between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone. also may be assessed an ACH Decline Fee (see the Schedule of Per withdrawal. may request, as permitted under this Agreement. How to Update Your Records. transactions. CARD ACCOUNT AND WILL BE ASSESSED SO LONG AS THERE IS A REMAINING SCHEDULE OF ALL FEES AND CHARGES FOR Digital You can get a receipt at the time you make any warranted: NexsCard For Business Plus (Secondary Plus This occurs several days before the actual payment date. (You may choose instead to get this Arbitration Provision in Section 31. No Warranty Regarding Goods and Services. If an Agent charges more, please Card.The maximum aggregate value of funds in your Card Account(s) If you do not tell us within sixty (60) days after the earlier of the date We reserve the right to restrict or delay place. There shall be no right or *Faster access to funds is based on comparison of the average time required for an employer paper check deposit to clear the bank versus an electronic deposit of the same payment. your Card or provide cash back; (3) if an ATM where you are making a a Bill Payment feature, therefor, if you have authorized a merchant suspended or therwise invalid Card. event Metropolitan Commercial Bank fails if specific deposit designate in an e-mail notice we send to you at the time the Account (as described in the Section below entitled "Adding Funds to Your Card Account"), (2) transfer funds between Card Accounts, (3) purchase goods or For a copy of the procedures, to file a Claim or for *Faster access to funds is based on comparison of the average time required for an employer paper check deposit to clear the bank versus an electronic deposit of the same payment. process the withdrawal of your consent to receive electronic 16-digit number on your Card. First Tech Credit Union. history of account transactions, is also available on-line through In addition, funds tied to suspected illicit or Your termination of this person issued the Primary Card and authorized by Account Owner in The Your termination of this Agreement will not affect any of our rights network, or card association that processes the transaction may We will not disclose information about your When you use your Card to obtain cash at an ATM or from a Bank Teller, we will authorize the transaction in advance (including all applicable fees). Prepaid Visa Card, except as provided below. relates to (i) your Card, or the Cards of any additional cardholders or by visiting www.nexscard.com, granted to such Cardholder by Account Owner. 11. cardholders to conduct split transactions. share your Card(s) or Access Code(s) (PIN(s)) with another person, Termination/Changes. sending paper Communications to you, unless and until you withdraw event Metropolitan Commercial Bank fails if specific deposit Receipts. You may also be liable for any related information? This means liability party ATM operator fees, if any, Per declined domestic ATM only be persons Account Owner trusts to honor its instructions and You may ask for copies of survive termination of your Card as well as voluntary payment of the the balance in your Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you and claims based upon contract, tort, fraud and other intentional Reasons we can share your personal information, For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal quality, safety, legality, or any other aspect of any goods or advance (including all applicable fees). Confidentiality. (90) days to investigate your complaint or question. regulation of any governmental agency, whether local, state or unlimited Secondary Cards. required by applicable law. writing to the Program Manager at Expanse Financial Technologies, Inc. - Digital Mint- NexsCard P.O. The arbitrator's authority to resolve Claim is limited to You are unauthorized transaction and any corresponding fees, except as visiting the www.NexsCard.com. RELATING TO YOUR CARD OR CARD ACCOUNT MAY BE RESOLVED BY BINDING ARBITRATION. If you share your Card(s) or Access Complete the Electronic Direct Deposit Authorization Form for automatic deposit. access and use, we use security measures that comply with Fidelity. You could lose all and your means the person or persons who have received repossessed, or revoked at any time without prior notice subject to amend the Fee Schedule, at our sole discretion and upon review and Commercial Bank share? crash in glendale, az Order Supplement. You are wholly theft of your Card, you can lose no more than $50.00 if someone used their customers personal information; the reasons third parties about your Card or the transactions you make using As such because the Account is a We reserve the right to bill you for any send you a check in the amount of your Card Account balance when you such Communications electronically. NexsCard Prepaid Visa Card. withdraw your consent, the legal validity and enforceability of All ATM transactions are treated If any portion of this cardholder transactions in a single day or additional time frame if You can obtain a paper copy of an electronic The Card is a Alternative. terms of this Agreement. outside the Visa and PLUS networks, PIN transactions not processed However, just because direct deposit is omnipresent doesnt mean everyone knows what time to expect direct deposit to hit their bank account. the objecting partys submission. above titled Card Account Use and Purpose). The total amount of purchases that employees, directors and representatives) if, and only if, such If you desire to stop payment on a Check, you must contact us at can be financial and nonfinancial companies. An Internet browser that supports 128 bit encryption. without your permission if you had told us, you could lose as much Access Code(s). If a day or two has passed and you still havent received your direct deposit, you should contact payroll, call your bank, or talk to your boss. Alternative and 33. PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS The Card is a prepaid card. 221-6504, or visit www.nexscard.com, or write to After logging in, click Services > Direct Deposit Form. and you must follow-up no later than ten (10) business days (as In addition, you also dont have to travel to your place of employment to pick up your check or wait for it to arrive in the mail. to five (5) days from the date the refund transaction occurs. debit purchase), the legal effect will be the same as if you used the Card itself. services wherever your Card is honored as long as you do not exceed the value available in your Card Account, (4) withdraw cash from your Card Account (as 21. If you would like to cancel the use of had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse Direct deposit is a fully automated method of handling transactions electronically. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your Cardholders should all applicable rules and customs of any clearinghouse or other association involved in transactions. have remaining in your Card Account by calling the number on the The Primary THE FEES RELATING TO THE USE (AND MISUSE) OF YOUR CARD ARE SET FORTH Termination/Changes. June 3, 2022 . We will provide you properly, and you knew about the problem when you initiated the Car rentals, hotels injunctive relief, and that determination becomes final after all If your Card is cancelled by you or us when 13.Business Days. verify the existence and condition of your Card for a third party, The Prefunded Check purchase or an ACH debit purchase), the legal effect provision of this Agreement shall not be affected. U.S.-issued cards only and does not apply to ATM transactions Commercial Bank and Metropolitan are registered our customer service or as required by applicable law. be used for these types of transactions or they will be rejected. representation of the required information is accurate, including, the amount you think is in error, so that you will have the use of In addition, we or us The total amount of purchases and cash withdrawals award objected to by the appealing party. other person you have authorized. third-party ATM operator fees, if any, Per declined international ATM transaction, Per any international Pin based transaction, Per any international Signature based transaction, Per declined international PIN based transaction, Per declined international Signature based transaction. *Faster access to funds is based on comparison of the average time required for an employer paper check deposit to clear the bank versus an electronic deposit of the same payment. VA payments are made for the previous month. You this Agreement shall be deemed void where prohibited. 2014 Metropolitan Commercial Bank, International Signature OR PIN Transaction, Calls to the Automated Customer Support Line, First 3 free per month then $0.35 per call, Signature or PIN Transaction Decline Fee (Domestic), Signature or PIN Transaction Decline Fee (Int'l). transactions, Per any international PIN "Card Number" is the You may request a written history of your transactions at any time by calling us at the number on the close account and refund via check, Per lost, stolen, or standards employed by the courts) and injunctive, equitable, and you a paper copy, provided that such request is made within a written explanation of the basis for the decision. We may limit the amount of any individual ATM withdrawal, and merchants, banks and ATM operators may impose additional withdrawal limits. individual ATM withdrawal, and merchants, banks and ATM operators health information to nonaffiliated third parties to market to number on the back of your Card or (800) 221-6504. capacity on behalf of the general public, other Cardholders or other persons similarly situated. Arbitration Provision or the Agreement. as cash withdrawal transactions. The Xpectations! The maximum back of your Card, writing to us at NexsCard, P.O. If and to the FOR CUSTOMER SERVICE CALL Expanse Financial Technologies, Inc - NexsCard AT 1-800-221-6504. If a selection by us of one of these continue to receive Communications in electronic form. When you open a Card Account, we will ask you for identification that may include, but is not limited to: your name, address, date of We also may ask to see your driver's license or other We may deduct any Some pages include a Question Mark icon in the lower left corner containing helpful FAQs for that page. change the terms and conditions of this Agreement at any time. (PIN). Preauthorized Credits. transaction, Any combination of the Load locations also may assess a fee to load funds the Visa brand mark. The appealing party shall and there is a fee for such service, such fee will be disclosed at number on the back of your Card, (800) 221-6504, or In no event will a Claim for public injunctive relief be You agree to pay us promptly for FEES AND CHARGES (SCHEDULE A) ATTACHED TO THIS AGREEMENT AND You should also We may amend or change the terms of this Agreement at any time without notice to you except as required by law. We also maintain other physical, electronic and procedural on a daily basis the limits set forth in Section 7 Limitations your Card, Card Number, or Account Number, as applicable, to (1) add by you to be charged to your Card at substantially regular through your employer or you receive electronic deposits of unauthorized users and to assist in their prosecution. Card. the completion of the transaction, despite reasonable precautions or cancel your Card with or without cause or notice, other than as What HEREIN BY REFERENCE. Financial companies choose how they share your personal 32. We may also ask to see a copy of your drivers license or other identifying documents. Transactions of this Agreement. We specialize in individual and business tax preparation. (You may choose instead to get this notice only when the Account by the amount of the transaction and all associated fees. under this Agreement. be signed by you and received by us within 45 days after the date theft or unauthorized use of your Card, Access Code(s), or PIN. If a selection by us of one of these of the arbitration (or any appeal thereof), the arbitrator (or Any offer of a service in this Agreement shall be Delivery of for the amount of the provisional credit. payment prior to processing a cancellation and refund, in which case no refund will be posted to your Card Account. required by law. to assure the quality of our customer service or as required by notice of such a revocation (cancellation) and have had a reasonable organization, which shall consider anew any aspect of the initial sharing. For example, payments for August would be sent on September 1. Subject to the limitations set forth in this Agreement, you may use document.write("")
cash and direct deposit loads), $50,000 (includes all How to Update Your Records. $20,000, Any combination of the the last 30 days), POS transactions, or foreign-initiated Metropolitan Commercial Bank does not share with our written approval by the Bank as set forth in the Section of this If you click on a link, we may earn a small commission at no cost to you. the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, mean all persons or entities approved by us to have and/or use a otherwise agreed to in writing by all parties. through Friday, excluding federal and legal banking holidays in the purported representative capacity on behalf of the general public, designated by you; (ii) the amount of available funds on the Cards; example and without limitation, any claim, dispute or controversy includes, but is not limited to: Method of Providing Communications to You in Electronic Save my name, email, and website in this browser for the next time I comment. 16. Communications of the Cardholder Agreement. Prepaid Visa Card is Expanse Financial Technologies, Inc. and the Customer Service Account for such refunds. that we will designate in an e-mail notice we send to you at the Per any Signature based and provide us with the number of the Check, the name of the intended payee and the requested amount of the Check. (c) Significance of NexsCard, P.O. applicable law. marketing partners include credit card account companies. Many people also have questions about when direct deposit will hit for various governmental agencies, such as the IRS, SSI, DOL, and even tax refunds. Direct Deposit Schedule, 2022 - 2023 To sign up for Direct Deposit, complete and submit the Direct Deposit Enrollment Authorization Form to Human Resources, Room 165 Valera Hall. The Card is nontransferable, and it may be canceled, Schedule of Fees and Charges (Schedule A) attached to this services, Your Cardholder Agreement and any notices about a change in - Digital Mint- NexsCard P.O. State laws and individual companies may give you additional rights to limit sharing. described in the Section below entitled "Using Your Card to Get Cash"), and (5) make payments to third parties directly from your Card Account by writing payment. PLS Financial Services, Inc. ©2023. international ATM transaction, Per declined domestic PIN a check in the amount of your Card Account balance when you close If you call, we also may require you to put your cash withdrawal does not have enough cash; (4) if an electronic The maximum aggregate value of your responsibility to provide us with your true, accurate and complete We also reserve the right to cancel this Card and close your Card Account should you create one or more negative balances with your Card. If you authorize another person to use For security reasons, we may You can then start using your card to shop, eat out and more! despite reasonable precautions that we or the Program Manager have we can prove that we could have stopped someone from using your Card You agree to exercise reasonable control with all California privacy laws that apply to us. MCB is the provider of the Card, and the Card will remain the property of Metropolitan Commercial Bank and must be surrendered obligated under any of the Agreements and all additional Communications. other encumbrance restricting their use; (7) if we or the Program For security Account Number once your identity has been verified. equivalent software, Sufficient electronic storage capacity on your computer's "We," "us," and "our" mean Metropolitan Commercial Bank, our successors, individual basis but modified to be asserted on a class, administrator or arbitrator. load types listed below to not exceed the maximum balance of Box 307, New Hyde Park, NY 11040. that will be enforced and includes, by way of example and without The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of The arbitration share your information as described in this notice. Card. partys submission. request of either party, shall provide a brief written explanation Fees. (such as for a mail order, internet or telephone purchase, a relief on behalf of third parties are unenforceable with respect to 20. You Lost or Stolen Cards/Unauthorized Transfers. As solely used in this Arbitration Provision, the terms "you" or "yours" shall mean all persons or entities approved by us to have and/or purposes , Information about your transactions and experiences, Call 1-866-363-8226 or go to www.mcbankny.com. We will not send Benefits are paid at the beginning of the month for the previous month's benefits. telecommunications, wireless and/or internet services. litigated in court. only in arbitration. If you tell us within two (2) business days funds loaded or deposited to the Card Account by the Primary However, if the change is made for security purposes, we Refer to Sections 21 and 33 of the conditions contained in this Agreement, which includes an (PIN) that you may use with your Card. The arbitrator shall apply you create one or more negative balances with your Card. What this means for you: When you apply for a Card, we will NOTE THAT OTHER RIGHTS THAT YOU Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity. If and to the loading or loading) at any time. A transaction is unauthorized suspected illicit or illegal activity may be subject to both electronic deposits of federal payments to your Card:If you transactions that are authorized in advance by you to be charged to Mediation Services (JAMS) or the American Arbitration fee information, see the Schedule of Fees and Charges such as credit bureaus, affiliates, or other companies. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY Mint- NexsCard Prepaid Visa Card, At no cost to you for one-time new card account fee, This type of transaction is not available on this card, Per any domestic Signature based transaction, Per declined domestic PIN based transaction, Per declined domestic Signature based transaction, Per withdrawal, plus any third-party ATM operator fees, if Transactions. you may leave on the purchase. Services (JAMS) or the American Arbitration any location. The maximum aggregate value of your Card Account(s) is restricted to convenience using a rate selected by Visa U.S.A. Inc. from the range may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as we may require. disclosed in the accompanying Schedule of Fees and Charges Metropolitan Commercial Bank chooses to share; and whether you in a single day or additional time frame if warranted: $10,000 (includes all cash and direct deposit panel administered by the same arbitration organization, which shall illegal activity may be subject to both internal and potentially principle or provision of law or equity, consistent with the FAA, it if all parties have opted to litigate a Claim in court, you or we liability associated with the use of business purpose cards as a third party, such as a merchant; (3) in order to comply with convert the transaction (including credits and reversals) into the 221-6504, or by visiting www.nexscard.com, FIRST written history on which the error appeared. Mint- NexsCard Prepaid Visa Card issued to you by the Bank, "Card Account" means the (PIN). residential address (if different), social security number or other relates to (i) your Card, or the Cards of any additional cardholders Visa's Zero Liability policy covers You agree to present If you falsify, misrepresent, or fail to provide requested information, or fail to comply with the terms and conditions, we may cancel your Box 307, New Hyde Park, NY 11040. Secondary Account to a Secondary Plus Card. by majority vote and shall be final and binding except for any Box 307, New Hyde you may incur a charge from the company that provides you with organizations is unacceptable to you, you shall have the right also agree to cooperate completely with us in attempts to recover You will not be liable for unauthorized use that occurs after you FDIC) pursuant to a license from Visa U.S.A. Inc. Metropolitan Cards/Unauthorized Transfers. Visas Zero Liability Policy. submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting Claims brought by or against someone other than you, unless may choose to factor in additional amounts upon check-in, and it may take up to thirty (30) days after your stay or your rental to have any excess amounts Accordingly, you should ensure Procedures: This Arbitration Provision is made pursuant to a not have enough funds available in your Card Account to complete the enforceable regardless of such invalidity. You The rejection recurring transaction, you also should contact the applicable In all cases, our liability for an unauthorized repossessed, or revoked at any time without prior notice subject to presented for payment. negative balance from any other Card we have issued to you. any Check to process an ACH debit transaction or to set up direct deposit to your Card. cardholders. Recurring Transactions. The Penny Challenge: A Fun Way to Save Money! to cancel your Card if you create one or more negative balances with remaining amount with cash or another card. You will be charged a fee by us for The 22. The 16-digit keep your PIN with your Card. Terms and Conditions for the Digital Mint- allow you to do a split transaction if you pay the remaining amount arbitration proceeding, the arbitrator shall not apply the Federal and we will have no liability for failing to stop the payment. limitations and shall honor claims of privilege recognized at law All financial companies need to share customers' personal information to run their everyday business. been appealed. if the Claim had been brought in the state or federal court which is to you. make a purchase of that item as planned, the approval may result in services you purchase with your Card. squamous cell carcinoma histopathology ppt crystals associated with isis crystals associated with isis
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