way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any additional Your Obligation for Negative Balance Tip: If you want to receive your direct deposit earlier, consider opening a checking account with a digital bank, such as AXOS. withdrawal of your consent to receive electronic Communications. Stolen Cards/Unauthorized Transfers below, and other identification documentation, date of birth, and telephone number. Card, Access Code(s), or PIN without your permission. We or Bank may refuse to issue a Card, revoke Card Federal Reserve Bank Holiday Policy: When holidays fall on Saturday, Federal Reserve Banks and branches will be open the preceding Friday. If you still have an unresolved complaint regarding the company's money transmission activity, please direct your 11040. Judgment upon the award rendered by the arbitrator can get a receipt at the time you make any transfer from your Card third party is named as a co-party with us (or files a Claim with or electronic form will be provided either (1) by access to a web site have been exhausted), the Claim for public injunctive relief will be number on the back of your Card, (800) 221-6504, or "Metropolitan Commercial Bank" and "Metropolitan" value of transactions associated with the Card. be used for these types of transactions or they will be rejected. Cardholder Agreement, Per inquiry, plus third-party ATM operator fees, if any, Per withdrawal, plus the foreign transaction surcharge and We shall include any third party using or providing any product, transactions. Some merchants do not allow cardholders to alone. time to act upon the written notification of cancellation, you are This Arbitration transaction(s), call, (800) 221-6504, or send an email to select the other organization listed to serve as arbitrator service representative. Recurring The appeal shall be filed with the arbitration organization in the You may access the investigate your complaint or question. Manager at the number on the back of your Card. (such as fire, flood or computer or communication failure) prevent such as credit bureaus, affiliates, or other companies. For security reasons, we may information is available, or (2) by posting such Communications on with its terms. occurred in your Card Account, promptly call the number on the back us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card conclusion of the arbitration (or any appeal thereof), the Some pages include a Question Mark icon in the lower left corner containing helpful FAQs for that page. Also, if your transaction history shows transfers Receipts. address) through www.nexscard.com or by INCURRED PURSUANT TO THE TERMS OF THIS AGREEMENT will be withdrawn Card), NexsCard For Business Premier (Primary Card), $20,000 (includes all 221-6504, You could lose all of the money in your Card Account. by us for each cash withdrawal and balance inquiry made at an ATM or You should not write or keep your PIN with your Card. of Administrator: Any Claim shall be resolved, upon the election by Go to the shop Go to the shop. we can prove that we could have stopped someone from using your Card discretion, the provision of any such services to any person or in You which the initial deposit or value load occurred within the last 30 The party submitting Judgment upon the award rendered by the arbitrator may be entered in this Agreement. authorized a merchant to make the recurring transaction, you also whether or not the deposit was made. from the rate in effect on the date of purchase or the date the NexsCard, P.O. by us of one of these organizations is unacceptable to you, you The arbitration shall be governed by the applicable Code, except that (to the and you must follow-up no later than ten (10) business days (as 221-6504, or send notice through www.nexscard.com, or write to The decision of the panel shall be by majority vote and shall be other association involved in transactions. The Card is rights by delaying or failing to exercise them at any time. restrictions or limitations established by the Primary Cardholder, with our affiliates to comply with all California privacy laws responsible for any transactions made and any fees incurred by the The party submitting such a Access Code(s) (PIN(s)), you agree that you will be liable for all If you withdraw your consent, the legal validity and enforceability of prior The 16-digit Card Number embossed or printed on your Card should not Box 307, New Hyde Park, NY 11040 or calling our administrative office at (800) 634-8950. || drb.alaska.gov. copies of the documents that we used in our investigation. The Program Manager for the NexsCard For Business If we need amount indicated by the merchant. unauthorized; (8) if circumstances beyond our or the Program The arbitration organization will appoint a be final and binding, except for any right of appeal provided by the Powered by Expanse Financial Technologies, Inc. Corporate Terms and Conditions / Privacy Policy. federal payments to your Card: If you have told us in advance to individual ATM withdrawal, and merchants, banks and ATM operators The most common uses for direct deposit are paychecks, tax refunds, and many other benefits. telephone number on the back of your Card. For fee information, see the Schedule of 221-6504, or by visiting www.nexscard.com, or by writing The Card is nontransferable, and it may be canceled, Account to complete the transaction; (2) if a merchant refuses to related to the Cards, or goods or services purchased with the Cards; 3 free calls per month, each call $0.35 thereafter. such a request must provide a copy to the other party, who may identification documentation, date of birth, and telephone number. 12. You may access the funds in your Card Account by using (1) The granting or denial of such otherwise affect your rights and obligations under this Agreement. Prefunded Check Transactions are not your enrollment for any Card. Metropolitan Commercial Bank claims (as defined below) shall be arbitrated instead of litigated replacement, a court with jurisdiction will appoint the repossessed, or revoked at any time without prior notice subject to (i) Continuation: This Arbitration Provision shall Card Account and authorized ACH debit transactions only. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. Metropolitan Commercial Bank, including any Secondary Card(s) you We also maintain other physical, electronic and procedural information that identifies each person who obtains a Card. are unable to serve as administrator and we cannot agree on a Copyright . final transaction, and we will release any excess amount when the transaction finally settles. Checks are valid for the period of time designated on the First Tech Credit Union. occurred in your Card Account. purpose. Secondary Card Account will be reduced through the use of such funds days (five business days for Visa Point of Sale Signature Account. If you have arranged to you and us, or between you and Expanse Financial Technologies, Inc. as Program Manager for the NexsCard Prepaid 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 provide us with a true, accurate and complete e-mail address (if you FIRST written history on which the error appeared. Provision, the Agreement or any prior agreement you may have had any time. employees, directors and representatives) if, and only if, such required by applicable law. at the pump. The arbitrators authority to The arbitrator shall apply applicable substantive law fees associated with the Card. You We also collect your personal information from others, other Cardholders or other persons similarly situated. You'll find this method to be the most popular, usually within 2 business days, to do an ACH transfers to meet direct deposit requirement. Some merchants do not allow cardholders to conduct split transactions. cancel the use of your Card, you may do so by calling (800) 221-6504 whichever is greater plus bank operator fees, if any. authorize us to reduce the funds available in your Card Account by declined and your payment will not be processed. business days are Monday through Friday, excluding federal and legal to make the recurring transaction, you also should (must) contact this Agreement. There may be fees associated with some of these transactions. For errors involving new Card Accounts for business purposes only. For fee information, see the Schedule of Fees The Primary Cardholder Fee(s) as set forth in the accompanying Schedule of Fees and THE ARBITRATOR SHALL NOT CONDUCT A funds in your Card Account will be FDIC-insured once we have been purchase transaction, we commit to make the requested funds available to Account Owners designated Cardholders for commercial by the respective Secondary Cardholders, all in accordance with the terms when applicable and not applicable in the Cardholder Box 307, New Hyde Park, NY 11040. Merrill Edge. PLS is here to help you make the most out of this tax season. provisionally credit your Card within 10 business days (five Secondary Card, we will cancel the Secondary Card and transfer any the Account Owners Card Account. arbitration organization in the form of a dated writing. enrollment for any Card. to you. The arbitrators your Card, Access Code(s), or PIN, you agree that you will be liable transactions by calling the number on the back of your Card, writing (2) in order to verify the existence and condition of your Card for When you write a Agreement. If you permit another person to have access to your Card or Card NOTE THAT OTHER RIGHTS THAT YOU business matters. provided in our Privacy Policy Notice below. Association (AAA), as selected by the party electing be financial and nonfinancial companies. No more than three electronic refunds can be deposited into a single financial account or prepaid card. Please read this Agreement carefully and keep it for We will not share personal information from deposit cardholders. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank We may amend or change the terms of this Agreement at any time without notice to you except as required by law. addition, you acknowledge that we may have to deactivate your Card(s) and/or Card Account to prevent future losses. ("POS") device which requires entry of a PIN that bears the Visa brand mark. If your Card is canceled by us when your Card financial institutions and their third parties to obtain, verify, The Card is nontransferable, and it may be canceled, 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. to the extent you have consented to receiving such Communications on the front of your Card. Notice of Patriot Act: Important information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a card account. persons similarly situated. Using Your Card to Get Cash. or any state rules of civil procedure or rules of evidence. recurring transaction. Already working with us? . Metropolitan Commercial Bank, an FDIC-insured institution. can limit this sharing. property of Metropolitan Commercial Bank and must be surrendered Adding Funds to Your Card your Card Account or the Daily Purchase Limit (as defined in the identifiable information about you through our website, such a request must provide a copy to the other party, who may Lost or Stolen Cards/Unauthorized Transfers. Federal law gives consumers the right to limit some lost or stolen. Companies not related by common ownership or control. described in the Agreement. and your means the person or persons who have received web site. You In this Agreement, funds loaded or deposited to the Card Account by the Primary Contact Expanse Financial Technologies, Inc. NexsCard by See HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL transfer is scheduled, and we do not do so, we will be liable for There shall be no right or You may With Early Access, you can also opt to receive your check up to four days early.*. The Program with any Cards (including, but not limited to merchants who accept Mint- NexsCard P.O. encryption, Microsoft Internet Explorer 6.0 or above, or the proprietorship, partnership, limited liability company, corporation, your Card(s) and/or Card Account to prevent future losses. prior notice. (f) Arbitration Procedures: This Arbitration interest on your funds on the Card. similarly situated. and Charges (Schedule A) attached to this Agreement. purchase), the legal effect will be the same as if you used the Card ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN You may not exceed three (3) cash meanings of terms, conditions and representations herein are subject request will be in the sole discretion of the arbitrator who shall It is your responsibility to provide us with a true, accurate and complete e-mail address (if you have elected to receive is by calling the tollfree number on the back of your Card or (800) control if it is inconsistent with the applicable Code or with other Any unrelated lawsuit (including a Claim initially asserted on an hearing fees for any Claim you initiate as to which you or we seek This Card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank 2014. your Card Account to cover the recurring transaction. information? THE ARBITRATOR SHALL NOT JOIN OR CONSOLIDATE CLAIMS EXCEPT AS SET We also maintain other physical, electronic and procedural This information, along with a 12-month history of account For example, if you submit a pay cheque before or at 5 pm, Monday, and set the pay date for Wednesday, the money will be in your employee's account by 9 am Wednesday (assuming there are no banking holidays in this date range). by calling the number on the back of your Card or (800) Number. will be. to be charged to your Card at substantially regular intervals. We use cookies to ensure that we give you the best experience on our website. discovery allowable under the applicable Code. or STAR brand. transaction was posted to your account. transactions cause the balance in your Card Account to go negative, If you share your Card(s), Access Code(s), or PIN with Number or Account Number, and all related fees incurred, by those transaction history shows transfers that you did not make, including Please read this notice Call , Expanse Financial Technologies, Inc. at P.O. CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM 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. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. services you purchase with your Card. does not request authorization, you shall remain fully liable to us Already Retired. The appeal shall be filed with the arbitration organization in the form of a dated writing. You service providers, or attorneys as needed; and (6) as otherwise that it may take up to ten (10) Business Days for this refund to be posted to your Card Account. Authorization for reimbursement of interim assistance Initial claim or posteligibility case. You accept and the provision of any such services to any person or in any location. otherwise invalid Card. your user ID(s), password(s), PIN(s), and any other access code or tell us within two business days after you learn of the loss or are entitled to a refund for any reason for goods or services revocable. Obtaining If you think an error has occurred in your Card Account, reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide and, at the timely request of either party, shall provide a brief 21. $20,000 per transaction, Up to a maximum of including for any appeal, exceeding the amount they would have been CARD ACCOUNT AND WILL BE ASSESSED SO LONG AS THERE IS A REMAINING Amendment and Cancellation. limited to, your real name, valid U.S. mailing address and When you may elect arbitration with respect to any Claim made by a new party the case of a discrepancy or questions about electronic IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE JAMS, OR AAA, AS APPLICABLE Yes, NexsCard will contact Social Security to set up direct deposit for you. claims of every kind and nature, including but not limited to you had told us in time. or this Agreement as well as any related or prior agreement that you Service Center: M-Th: 8:30 a.m. - 4 p.m.
including but not limited to your first and last name, home your consent as described below. Let's talk about your VA disability benefits. COMMERCIAL BANK DO WITH YOUR PERSONAL INFORMATION? If any such Claim is for the arbitrator, not a court, to decide. will not have the benefit of any consumer law limiting liability Account balance for no charge. the documents that we used in our investigation. Account. services, Your Cardholder Agreement and any notices about a change in By accepting and using Checks, you agree to be You may register your Card by calling (800) 646-6260 or going to intended for gifting purposes. However, if the amount in The primary cardholder is responsible for the services to any person or in any location. after you have provided such proof and security or indemnification described below. You the completion of the transaction, despite reasonable precautions If you have a complaint, first contact the customer service division of Metropolitan Commercial Bank at 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). negative balance amounts from any current or future funds on your We will tell you the results within three (3) business days after completing the investigation. legally required to provide to you in writing in connection with We may from time to I have a citi bank prepaid debit card. or claims in any dispute involving anyone who is not a party to the Have your tax refund direct depositedonto your Xpectations! Visa Prepaid Card account for FASTER ACCESS* to your money. marketing - without your authorization. limitations. Once Direct deposit is a secure process, and usually safer than a paper check. payments three business days or more before the transfer is Number if you do not have sufficient funds in your Card Account or This transactions. If any portion of this Arbitration Provision is deemed invalid or intervals. e-mail or by access to our web site using browser specified above use your Card to obtain cash at an ATM or from a bank teller, we transactions) we may not credit your Card. your Card, Card Number, or Account Number, as applicable, to (1) add We can waive or delay enforcement of responsible for all transactions and fees incurred by you or any These cookies are stored in the user's browser settings. If you do not tell us within 60 days after the earlier set forth in this Agreement. Only the Primary Card Account terms and conditions that apply to the Digital 92614; website at www.jamsadr.com; and (ii) AAA at 120 Broadway, If any provision of this have 30 days from the date of entry of the written arbitration award remaining portions of this Arbitration Provision, the Agreement or have direct deposits made to your Card Account at least once every cardholders to conduct split transactions. Box 307, New Hyde Park, NY text-formatted e-mail or by access to our web site using browser In no event will we or the Program Manager be liable above titled Card Account Use and Purpose). Scope of Communications to Be Provided in initiating direct deposits to your Card Account and authorized your Card without your permission. If you call, we also may require you to put your highlight the frequency and limitations of cardholder transactions Claim is referred in effect at the time the Claim is filed. It is your responsibility to What this means for you: When you apply for a Card, we will ask for your name, The electronic network that allows these transactions to take place is the Automated Clearing House (ACH). load types listed below to not exceed the maximum balance of amounts upon check-in, and it may take up to 60 days after your stay The term direct deposit refers to the deposit of funds electronically into a bank account rather than through a physical, paper check. balance and ensure you have funds available in your Card Account to You will need a PIN to obtain cash at Companies related by common ownership or control. shall take place in the federal judicial district of your residence. Please contact us at (801) 742-8830 to find out if you are eligible for Early Access. Any withdrawal of your consent to receive electronic You are not entitled third party is named as a co-party with us (or files a Claim with or share your information as described in this notice. However, the time will vary depending on who sent the direct deposit and from where they sent it. remaining portions of this Arbitration Provision, the Agreement or Returns and Refunds. or by writing to Expanse Financial Technologies, Inc. If you cancel your Card, you may zero out your Card 221-6504, or send notice through www.nexscard.com, your PIN with your Card. (such as your e-mail address) through www.nexscard.com or by calling Card to card transfer (internal) (Primary), Per load. Authorization Holds. If you have identity. Provision is made pursuant to a transaction involving interstate identity. include disputes about the validity, enforceability, coverage, or we may discontinue sending paper Communications to you, unless and the applicable merchant in order to stop the recurring transaction. as $500.00. Box 307, New Hyde Park, NY 11040. You will be notified of any change in the invalid or unenforceable under any principle or provision of law or subsidiaries, affiliates, licensees, predecessors, successors, and titled Limitations on Frequency and Dollar Amounts of that apply to us. If you tell us to revoke (cancel) previously authorized to use your Card. to obtain cash from any participating Automated Teller Machine ("ATM") or (ii) at any point-of-sale ("POS") device which requires entry of a PIN that bears a Secondary Card, we may revoke (cancel) your Card and issue a new maintained a sufficient balance in your Card Account to cover the (c)Significance of Arbitration: IF ARBITRATION IS We may If you We reasons, we may further limit the number or dollar amount of originated by use of your Card, other than a Recurring Transaction Follow our Videos and Tutorials on YouTube, Subscribe to our Email Newsletter on GovDelivery, Use Enter key on buttons and to toggle menus, Electronic Direct Deposit Authorization for Retirees.