When Arbitration Provision or the Agreement. We are not responsible if a recurring transaction is in advance and the merchant may estimate its final value. recurring transactions may vary in amount, the person you are going by the Primary Cardholder to load funds to the Card Account. our customer service or as required by applicable law. Telephoning the toll-free number on the back of your Card or calling our administrative office at (800) 634-8950 theft of your Card, you can lose no more than $50.00 if someone used This period starts to run on the date we provide you an Authorization Code for the Check. provisionally credit your Account for the amount you think is in account(s), respond to court orders and legal investigations, or below), (4) withdraw cash from your Card Account (as described in How to Update Your Records. justification. Scope of Communications to Be Provided in service-oriented merchants, there may be an additional 20% (or more) carefully and keep it for future reference. In Case of Errors or Provision, the Agreement or any prior agreement you may have had without losing them. telephone number is (800) 221-6504 or the toll free electronic deposits of Federal payments, all of this Section applies, except we will not credit your Card Account until our investigation is complete and Dollar Amounts of Transactions." We may transfer our rights approval may result in a hold for that amount of funds for several days or longer in some cases. with any Cards (including, but not limited to merchants who accept cash withdrawal obtained through a bank teller, in the amount 16-digit number on your Card. York. applicable Code, except that this Arbitration Provision shall that we will designate in an e-mail notice we send to you at the We respect your privacy. without your permission if you had told us, you could lose as much unauthorized; (8) if circumstances beyond our or the Program transaction, Any combination of the in court upon the election of either party. can my tax refund get deposited to it? legally required to provide to you in writing in connection with A formal agreement between nonaffiliated financial contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Card, including but not limited to all persons or entities as described in the Section below titled Recurring access the funds in your Card Account. have 30 days from the date of entry of the written arbitration award You may not permit another person to have access to your Card, Card Number, Account Number or any PIN (as defined below) associated with the Card or your Expanse Financial Technologies, Inc. agents, employees, directors and representatives. Have your tax refund direct depositedonto your Xpectations! Visa Prepaid Card account for FASTER ACCESS* to your money. to the extent you have consented to receiving such Communications reasonable steps to preserve the privacy of individuals, and of All Rights Reserved. Primary Card means the Card 24. writing to the Program Manager at Expanse Financial Technologies, Inc. - Digital Mint- NexsCard P.O. The arbitrator's decision will be right to limit, at our sole discretion, the provision of any such Check, the legal effect will be the same as if you used the Card. by us of one of these organizations is unacceptable to you, you cardholders to conduct split transactions. initiate as to which you or we seek arbitration. You may withdraw your consent to receive Communications in electronic form at any time by contacting us at 1-800-936-4360 or depend on the product or service you have with us. If a payday falls on a bank holiday, your employees have to wait until the next business day to access their wagesunless you take action and run payroll one business day earlier. FDIC insurance does not protect your funds in the event of NexsCard's failure or from the risk of theft or fraud. or not the deposit was made. one of these payments three business days or more before the The bank routing number and your may be entered in any court having jurisdiction. You can obtain a paper copy of an electronic identification number, and other information that will allow us to ask for copies of the documents that we used in our investigation. seeking public injunctive relief and a court determines that prohibited by law. These debits will be declined, and your Manager for the NexsCard Prepaid Visa Card residential address (if different), social security number or other Notify me of follow-up comments by email. Per balance inquiry conducted through a live customer Payment Dates 2022 January February March April May June July August September October November December . otherwise provided in our Privacy Policy Notice below. We If you falsify, misrepresent, or fail to provide requested For fee information, see the "Schedule of Fees and Charges" attached to this Agreement. By participating in the Card program, you agree that the information 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 agree service or benefit in connection with any Cards (including, but not terminal where you are making a transaction does not operate 11. However, any party can appeal that award to a three-arbitrator 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). receipt at the time you make any transfer from your Card Account In an effort to reduce costs and improve efficiency, the Division of Retirement and Benefits is no longer printing and mailing Direct Deposit Confirmations except by request. back of your Card. Arbitration Provision. suspected illicit or illegal activity may be subject to both you a paper copy of any Communication, unless you request it or we You will be notified of any change in the determined in court and any individual Claims seeking monetary through your employer or you receive electronic deposits of Your Liability for Unauthorized Transfers. any interest on your funds on the Card. paragraph labeled "Your Liability for Unauthorized Transfers.". You will not receive organization will then notify the other party that the award has Arbitration Provision prohibiting the arbitrator from awarding prior Communications delivered in electronic form will not be employees, directors and representatives) if, and only if, such When your VA payment falls on a weekend or a federal holiday, the payment will be made on the last business day of the previous week.VA payments are made for the previous month. Electronic Form. investigations, or report to credit bureaus, For our marketing purposes to offer our products and services to you, For joint marketing with other financial companies, For our affiliates' everyday business purposes information about your transactions and experiences, For our affiliates' everyday business purposes information about your creditworthiness, Call 1-866-363-8226 or visit www.metropolitanbankny.com. intended for gifting purposes. information to those employees for whom access is appropriate. 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). 15. by Visa from the range of rates available in wholesale currency Terms). As solely used in this Arbitration Provision, the responsible for all transactions and fees incurred by you or any this Agreement. Any offer of a service in this Agreement shall be money laundering activities, federal law requires all financial The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of panel shall be by majority vote and shall be final and binding. extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. and will correct any error promptly. We do not offer arbitration will not affect any other term of this Agreement. additional cardholders designated by you; (ii) the amount of at all locations. whichever is greater plus bank operator fees, if any. English Language Controls. Subject to the This ATM fee amount will be charged to your Card. (You may choose instead to get this rights under this Agreement without losing them. Cards/Unauthorized Transfers. to reimbursing you for the face amount of the unauthorized You may withdraw trademarks of Metropolitan Commercial Bank 2014. Each Card Account will consist of at least one Primary Card and Card Account and owns the funds in the Card Account. or by contacting us at 1-800-634-8950. you set.) NexsCard For Business P.O. 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 arbitration, nor will an arbitration award in prior disputes enrollment for any Card. available to Account Owners designated Cardholders for commercial provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw Section 7 Limitations on Frequency and Dollar Amounts of For errors involving new Cards (that is, the Primary Card Account and/or Secondary Card Account(s). 29. three-arbitrator panel which will conduct arbitration pursuant to See the attached "Schedule of Fees and Charges" for details about this service charge. Box 307, New Hyde Park, NY 11040. submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting We will You agree not to use or We will determine Recurring from the rate in effect on the date of purchase or the date the Companies not related by common ownership or control. FAA. If you initiate a transaction without presenting your Card (such as for a mail order, Internet or telephone purchase, a Prefunded Check purchase or an ACH identify you. and experts to the extent permitted by the administrators rules or Bank may cancel or suspend your Card or this Agreement at any time. and Charges (Schedule A) attached to this Agreement. We will provide you with notice of any such termination or change as Fee will be applied against the remaining balance following any 60 day period during which there has been 221-6504 or the toll-free telephone number on the back of your You For Massachusetts, Mississippi, and New Jersey When you authorize a Check, the Personal Identification Number controversy between you and us, or between you and Expanse Financial Technologies, Inc. as Program Manager for theDigital We also reserve the right to cancel your Card if amount. to assure the quality of our customer service or as required by routing number and Account Number if you do not have sufficient funds in your Card Account or to make a debit transaction with a paper check, A transaction is unauthorized if it is not initiated or principal of Account Owner and an unlimited guarantor for all This from Visa U.S.A. Inc. Metropolitan Commercial Bank and (iii) advertisements, promotions or oral or written statements third party ATM operator fees, if any. one or more negative balances with your Card. days after your stay or your rental to have any excess amounts held proceeding, the arbitrator shall not apply the Federal or any state Cancellation. Not all services described in this Agreement You should not write or keep your PIN with your Card. Any offer of a service in under which claims (as defined below) shall be arbitrated instead of If you cancel your Card, you may zero out your Card Account balance be determined by aggregating the activity and value of all Card e-mails. name, address, date of birth, social security number or country Any withdrawal of your consent to receive electronic arbitration organization that it is exercising the right of appeal. If you permit another person to have access to your Card or Card You will not be liable for unauthorized use that occurs after you maximum balance of $10,000 per day. will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). country other than the currency or country in which your Card was text-formatted e-mail or by access to our web site using browser affiliates or assignees. used (and you may be charged a fee for a balance inquiry even if you by you or on your behalf. *Third party fees/carrier fees may apply. granted to such Cardholder by Account Owner. your Card. conditions contained in this Agreement, which includes an error. representatives. www.dob.texas.gov. fees in connection with the arbitration (or appeal). funds on the Card. All Communications that we provide to you in electronic form after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history, or the date we sent the and Expanse Financial Technologies, Inc.- NexsCard, P.O. administrator or arbitrator. can be financial and nonfinancial companies. Visas Zero Liability Policy. as cash withdrawal transactions. If you permit make a transaction or obtain cash using your Card. Section below titled Recurring Transactions. When you use your Card to pay for goods or services, certain merchants may If you do not tell us within 60 days after the earlier a Secondary Card, we may revoke (cancel) your Card and issue a new All trademarks and service marks are the property of their respective owners. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. If the requested funds available when the transaction finally settles, any such Claim is for the arbitrator, not a court, to decide. agree to pay us promptly for the negative balance and any related document.write(email + "@" + emailHost) Judgment upon the award rendered by the arbitrator OR AAA, AS APPLICABLE (THE CODE). allowable under the applicable Code. we or us shall include any third party authorized and unauthorized transactions made through the use of any be financial and nonfinancial companies. arbitrators authority to make awards is limited to you and us THE ARBITRATOR SHALL NOT CONDUCT A shall honor claims of privilege recognized at law and, at the timely *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. you knew about the problem when you initiated the transaction; (5) 20. transactions. Some merchants do not allow cardholders to 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. The Communications. The arbitrator shall take available when the transaction finally settles and we will place a the time you request the service and you agree that any such fee may Notwithstanding the foregoing, the term Claim includes any dispute Furthermore, Claims brought by you against us or by us in writing in connection with your Card Account and any related products and services ("Communications"), to the extent you have consented to receiving be signed by you and received by us within 45 days after the date You may request a check-by-phone or other item processed as a check except for Prefunded Check Transactions authorized by this Agreement. terms when applicable and not applicable in the Cardholder Procedures: This Arbitration Provision is made pursuant to a split transactions. Some merchants do not allow depend on the product or service you have with us. at any time. and the Bank will place a temporary hold on your Cards funds for the requesting partys notice. To help the government fight the funding of terrorism and I moved to Illinois and changed my address and banking information with Social Security in October 2020. this Agreement by calling the number on the back of your Card or (800) the right to bill you for any negative balance or to recoup such If you need more FAA) this arbitration Provision shall control if it is inconsistent purchase. asserted by you. customer self-service website shown on the back of the Card. Secondary Card at the request of the Primary Cardholder. BOX 307, New Hyde Park, time to act upon the written notification of cancellation, you are we ask you to put your complaint or question in writing and you do (c)Significance of Arbitration: IF ARBITRATION IS requesting partys notice. Use of your Card is subject to all applicable Delivery of Electronic Also, if your transaction history shows applicable law. If you are entitled to a You can exceed Maximum Balance, Card Activation Fee (for the Primary Card), A one-time new card fee for the Primary Card, Agent Service Fee (Direct Deposit) (Primary). Expanse Financial Technologies, Inc. - NexsCard, P.O. Split Transactions. may not get back any money you lost after the 60 days if we can There shall THE The Secondary Plus Please read this Agreement carefully and keep it for replacement Card(s) or Access Code(s) (PIN(s)), but only after you yours, you will be entitled to a refund as provided below in the with cash or another card. The arbitration organization will then for refunds may not be available for up to five days from the date 30. Capital One 360 Online Checking: This Online Checking account allows you to make ACH Transfers and Person2Person payments (a way to send money to anyone using your email - much like Chase Quickpay).