You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account. You should not write or keep your PIN with your Card. The conversion rate may be different from the rate in effect on the date of your transaction and date it is posted to your account. Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases. No cash or ATM access. SUTTON BANK PREPAID RULE SHORT FORM DISCLOSURE, Fees associated with your Majority Prepaid Visa Card, 2. Better Cards. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who obtains a Card. Control physical accessPrevent access or use of business computers by unauthorized individuals. * Rewards offers are subject to approval. Macao . IF YOU HAVE QUESTIONS ABOUT THIS REQUIREMENT, PLEASE CONTACT CUSTOMER SERVICE. Check with your vendors that handle sensitive data, especially financial institutions, to see if they offer multifactor authentication for your account. Opal cards can be ordered online for delivery to an Australian address within 5 to 7 business days. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. You may use your Card to make purchases at any merchant that accepts Visa debit cards, subject to your available Card Account balance and the other terms and conditions of this Agreement and the Majority Terms of Service. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. - Pay Bills. Cyber Hygiene Vulnerability ScanningDHS also offers freecyber hygiene vulnerability scanningfor small businesses. 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. A Better Way to Bank. You may reject this Arbitration provision by sending a written rejection notice to us at: support@majority.com. A card that can help drive process efficiencies and improve control over procurement spend. These emails often entice users to click on a link or open an attachment containing malicious code. Organizations should start mapping the existing workflow used for wire transfers and analyze in-depth their processes in order to identify potential weaknesses and enhancement opportunities, for example limiting the amount of money each executive can approve, or using authorization for wire transfers, that also includes a protocol for approvals in the specific cases where senior executives are the initiators of these transactions. Both Mastercard and Visa assist in emergency replacement cards and cash advance, anywhere in the world 24/7. FEDERAL PAYMENTS: THE ONLY FEDERAL PAYMENTS THAT MAY BE LOADED TO YOUR CARD ACCOUNT VIA A DIRECT DEPOSIT ARE FEDERAL PAYMENTS FOR THE BENEFIT OF THE PRIMARY CARDHOLDER. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. We reserve the right to block, suspend, or cancel your Card if, as a result of our policies and processes, we detect what we reasonably believe to be fraudulent, suspicious, or criminal activity or any activity inconsistent with this Agreement. In most BEC attacks, there are three major stages: Also known as the man-in-the-email attack, BEC scams start with a large amount of research, with the attacker going through publicly available information about the company, like websites, press releases, or social media published content. Limitation of Liability and Indemnification. @alexandra 01/24/22 This answer was first published on 01/24/22. You agree that any notice or communication sent to you at an address noted in our records shall be effective unless we have received an address change notice from you. 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. You may not use your Card for any online gambling, escort services or any illegal transaction. For mail order, telephone, Internet or other card-not-present purchases, merchants may choose to route a transaction as a PIN transaction without asking you to enter your PIN. Leverage existing relationships with issuing banks, networks, and card fulfillment providers to go live in days not months. We may offer additional products, features and services to you in connection with your Card, such as SMS text message and e-mail alerts, mobile account services, bill payment services, a loyalty program, and other services. An ideal card for easy and efficient business purchases. Preauthorized transfers will not be allowed. 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 . You may add funds to your Card Account, called loading, by: (i) Automated Clearing House (ACH) loads up to $5,000 per month, minimum $20 per load, maximum $5,000 per day with a limit of 5 transactions per day; (ii) credit or debit card loads up to $500 per transaction, $500 per day, $5,000 per month with a limit of 5 transactions per day and a minimum of $20 per load; (iii) direct deposit loads up to $5,000 per day, $10,000 per month, with a limit of 3 transactions per day; (iv) federal transaction direct deposit loads from the IRS Treasury up to $10,000 per day; and (v) loading cash through one of our reload locations up to $500 per transaction, $2,500 per day, $5,000 per month with a maximum of 5 reloads per day. Unfortunately, cybercriminals have discovered how to steal your hard-earned money. Those types of cards are issued by two parties: a bank and a non-financial entity ( for example a retail merchant). Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. FEATURES INCLUDE: Visa Gift Card from $20-$500 denominations. The Card is our property and is nontransferable. After diligently researching his targets for some time, the attacker will develop a few scam scenarios that might work. Target Market Determinations for the products are available. For any other exception stated in our Agreement with you or by applicable law. 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. Apply for the right card and see what a difference we can make. Fax Numbers. Any funds withdrawn from an ATM or POS device are subject to the following transaction limits (in addition to any other restrictions or limitations set out in this Agreement). Any claim, dispute, or controversy (Claim) between you and us arising out of or relating in any way to this Agreement, your Card, your acquisition of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding confidential individual arbitration conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. 55 day interest-free period on all purchases. A cybersecurity risk assessment can identify where a business is vulnerable, and help you create a plan of actionwhich should include user training, guidance on securing email platforms, and advice on protecting the businesss information assets. Loads are available on the business day when final collected funds are received by us unless a longer time is permitted by applicable law. Online marketplaces. All you need to do is complete a brief online questionnaire about your company operations, founders and sources of funding. You will be required to provide personal information which may include your Card number, full name, transaction history, copies of accepted identification and other information necessary to verify your identity. 16. You may use your Card to purchase or lease goods or services online, by mail or telephone wherever Visa debit cards are accepted as long as you do not exceed the value available in your Card Account, or any other limitations set our herein. We value their cutting-edge technology, reliability, and easy to use platform APIs.. Managers should bear in mind that hackers dont just break into the IT department by sheer force; they look for weaknesses. Purchased at a Walgrens on 12/20/21 at 1:23 pm. The Card will have an expiration date and the Card will expire, in accordance with applicable law, on the expiration date. Payments are then sent to fraudulent bank accounts. 22. 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. Malware can include viruses and ransomware. As a best practice, we recommend using one virtual card per vendor. Administrative privileges should only be given to trusted IT staff and key personnel. You will not be charged a fee for this information unless you request it more than once per month. Box); (iv) the personal information that you provide to us and/or Majority USA, LLC in connection with the Card or other services provided by us or Majority USA, LLC is true, correct, up-to-date (at all times) and complete; (v) you have duly registered yourself with Majority USA, LLC in the App and that you have read and understand the Majority Terms of Service and agree to be bound by and to comply with their terms and conditions; (vi) you have read and understand this Agreement and agree to be bound by and to comply with its terms and conditions; and (vi) you accept the Card. If you want to cancel the Card, the Card Account and this Agreement please contact Customer Service. MasterCard and Visa currently use a conversion rate that is either: (a) selected from a range of rates available in the wholesale currency markets (note: this rate may be different form the rate the association itself receives), or (b) the government-mandated rate. We may also ask to see a copy of your drivers license or other identifying documents. The first step in improving your cybersecurity is understanding your risk of an attack, and where you can make the biggest improvements. This Agreement sets forth the entire understanding and agreement between you and us, whether written or oral, with respect to its subject matter and supersedes any prior or contemporaneous understandings or agreements with respect to their subject matter. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. This arbitration provision shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). Any translation of this Agreement is provided for your convenience. $0. Our team of experts provide guidance from setup to launch & scale. Finally, BackOffice.Co Inc. . A dedicated specialist from Scotiabank is ready to assist - from consultation to implementation to help ensure your team takes full advantage of the program. 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. Score Some Rewards. This Privacy Policy also tells how you can (i) limit the ways we share, or (ii) request corrections to the information we maintain about you. Now, if you are Cashing Out from your CA the instant option uses the card network to your linked Debit card, like a merchant making a refund . Please contact your product specialist for further information. You always find the most recent version of this Agreement in the Majority Mobile Application (App) and on https://www.majority.com (Website). When you use your Card, you are redeeming the value on the Card and not making a withdrawal from a checking or savings account. Customer Service agents are available to answer your calls Monday-Friday from 8am to 6pm and Saturday 9am to 5pm USA Central Time. If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days to our Customer Service at the address provided below. Full details are available on request. Besides no annual fees, this card also doesn't come with any activation or maintenance fees, making it a perfect cost-effective . You may simply lock the card for the specific vendor and not have any additional recurring spend blocked. Because people have a natural desire to be helpful and prove their usefulness, therefore likely to becomevictims of BEC attacks. 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. For reporting (and deactivating) a lost or stolen Card you can dial the Customer Service Number twenty-four (24) hours a day, seven (7) days a week. Having at least basic email security in place and two-factor authentication is a must. We advise the regular use of a reputable and readily available virus screening and prevention software. Can I customize the card with my business logo? Approximately when the error took place. Another aspect that needs to be better applied and understood, especially when discussing larger companies, is to make employees feel comfortable to contact their managers, not only via email but also using alternative communication tools like internal chat systems, SMS, and even phone calls. Card. Section headings in this Agreement are for convenience of reference only, and shall not govern the interpretation of any provision of this Agreement. The Card is not a credit card and will not enhance your credit rating. Applicable law may require us to report to state government authorities any funds remaining with respect to your Card after a certain period of inactivity. 2 Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if . Product. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info. Use open APIs to create new payment products or streamline supplier and workforce payments. If you conduct a transaction in a currency other than U.S. dollars, the merchant, the Card Network or other entity that processes the transaction may convert any related debit or credit into U.S. dollars in accordance with its then-current policies. No Warranty Regarding Goods or Services as Applicable. As a result, every job in the organization is responsible for cybersecurity knowledge and abilities. In-store: To use the virtual card in-store, shoppers need to add the card to their Apple or Google wallet, then pay using Apple or Google Pay at the payment terminal. Credit Cards. Lodge with frequently used pre-approved suppliers. 28. 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. 14.99% - 29.99%. 26. Get a Visa License Are you interested in becoming a Visa licensed client? 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. From global enterprises to booming startups, innovators count on Marqeta. You agree to present your Card and meet identification requirements to complete load transactions as may be required from time to time. Any such fee will be deducted from the balance of the Card, along with the amount of the withdrawal performed at the ATM. Lets talk about your use case and how we can help. Copies of the documents used in the investigation may be obtained by contacting Customer Service. Other fees may apply. To initiate a signature transaction at the point of sale, select Credit and sign the receipt (if required by the merchant). Co-Branded Credit cards allow large businesses such as retail chains, hotels or airlines to offer special discounts, cashbacks . | The Revenued Business Card is a purchase of future receivables and not a loan. The Card is not a gift card. Phishing is a type of cyber-attack that uses email or a malicious website to infect your machine with malware or collect your sensitive information. IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. Well, like all social engineering attacks, BEC fraud relies on the human factor in order to be successful. In this specific scam companies working with foreign suppliers are often targeted. Total credit lines from $500 to $25,000. We may transfer our rights under this Agreement. | The Revenued Business Card is a purchase of future receivables and not a loan. There is no fee for this service. * Rewards offers are subject to approval. To the extent permitted by applicable law, we may cancel or suspend your Card, your Card Account, or this Agreement immediately, for any reason, and without notice to you. 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. Be sure to use different passwords for your different accounts. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION (ARBITRATION SECTION) REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION. Building and adopting a component library in the context of a vibrant business is no easy feat. Accounting: You can create merchant rules . It may take up to thirty (30) days to process a request for a replacement Card although we will endeavor to provide you with a replacement Card on as timely a basis as is reasonable under the circumstances. The Virtual Visa Gift Card can be redeemed at internet merchants everywhere Visa . We will tell you the results within three (3) business days after completing the investigation. Critical data includes word processing documents, electronic spreadsheets, databases, financial files, human resources files, and accounts receivable/payable files. All software vendors regularly provide patches and updates to their products to correct security problems and improve functionality. Rellevate handles all customer service for the program. 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. Laptops can be particularly easy targets for theft or can be lost, so lock them up when unattended. Your rejection notice must be mailed within 45 days after your first card purchase. Give us a call at +1-877-662-3489 or fill out the form below and well get back to you within 24 hours. Business Email Compromise (BEC)is a type oftargeted scamin which anattacker impersonates a company executive or high-level employeewith the intent ofdefrauding or extracting sensitive datafrom the company or its partners. The maximum amount that can be withdrawn is: per transaction: from ATM $510/International ATM $510, per day: from ATM $510/International ATM $510, per month: from ATM $2,500/International ATM $2,500. Its true that theres no foolproof method that you can use to protect your business, but educating your employees about security threats and best practices for online behavior and privacy can greatly reduce the possibility of a BEC scam. Sutton Bank review: Vanilla visa debit card. For the avoidance of doubt, the use of your Virtual Card will have the same legal effect as when you use your Plastic Card. Insurance. Requests for address or name changes may be subject to additional verification requirements. H-E-B engages in the money transmission business and/or sale of stored value products as an authorized delegate of InComm Financial . You are responsible for keeping track of your Card Account available balance. In its ordinary course of business, Sutton Bank may utilize a . Accounts are FDIC-insured up to $250,000. Tried to use at Ann Taylor in Potomac Mills Mall, Woodbridge at 11:14am and told balance was only 1.44. Configure all software to install updates automatically. 1. These types of requests are done usually through email or phone and take place at the end of the business day when the victim is tired and less focused. Our Business MoneyIQ page features useful information and videos to help your business navigate the increased threats from cyberattacks, Ransomware, DDoS attacks, tax fraud and more. . See our Rewards Terms and Conditions for, Best Business Credit Cards Comparison Tool. They use a variety of tools including phishing emails, compromised legitimate websites, fake friend requests on social sites, and malware to obtain your bank logon credentials. Scale Merchant Acceptance: Provide consumers with the ability to make a purchase using their BNPL provider at . 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. Sumissura . Back up data automatically if possible, or at least weekly, and store the copies either offsite or on the cloud. Card Protection. Such software is readily available online from a variety of vendors. Reduce purchasing . Easy to Give, Easy to Use. Add some flexibility to your budget with a card thats accepted everywhere. Instantly issue & process card payments with our open API platform. Lending criteria apply to approval of credit products. Cyber-attacks are constantly evolving, but business owners should at least be aware of the most common types. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by the Card Network from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate the Card Network itself receives, or the government-mandated rate in effect for the applicable central processing date. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately, following the procedures in the section labeled Lost or stolen cards/unauthorized transfers below. You may reject the arbitration provision by sending us written notice within 45 days after your first card purchase. 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. This Agreement will be governed by the laws of the State of Ohio except to the extent governed by federal law, without regard to any conflicts of law provisions that provide for the application of the law of another jurisdiction. or Sutton Bank, Members FDIC. To protect the use of your Card, you are required to set a personal identification number (PIN). If you need to replace your Card for any reason we recommend that you make your request for a replacement Card within the App. MoneyIQ Financial Literacy and Education Center, Protecting sensitive customer and vendor information. Customer Service Number: 1 (855)-553 3388. You must surrender a revoked Card and you may not use an expired or revoked Card. For existing companies, the Tribal account opening process is 100% digital and the application process typically takes less than 10 minutes. 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. If you arrange to have funds transferred directly to your Card Account from a third party through an ACH load, you must enroll with the third party by providing the bank routing number and direct deposit account number that we provide you. Simplify your life and stay in control conveniently and securely, with the Sutton Bank Mobile App. The Upgrade Visa Card with Cash Rewards comes with an annual fee of $0 and an 8.99%-29.99% regular APR. *When consolidating purchase volume processed through Marqetas platform in 2019. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Back up your dataRegularly back up the data on all computers. Assignment; Applicable Law; Severability. Detect fraud, control your spend, and ensure the highest levels of compliance and uptime. Concession Opal cards need . Additional information and applicable terms and conditions will be provided to you in the App and at the Website. Issue cards that think and serve your customers in a whole new way. You and your mean the person who have received the Card and is authorized to use the Card as provided for in this Agreement. . . If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. 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. Free ATM withdrawals if you set up direct . Control your card through a mobile app. This means that you may need to visit more than one merchant if you are seeking to withdraw cash in an amount which is less than or equal to the total limit above, but more than the limit established by the individual merchant. All credit decisions are made by Backoffice.co, Inc DBA finally. You may obtain information about the current amount of money you have remaining in your Card Account by calling 1-855-553-3388. Reap the benefits of your hard work, with our Platinum Credit Card. Employees should be aware of the risks and implications that these attacks hold, as well as how to spot scams and properly respond to an incident of this sort. The Card is not for resale and may not be transferred or assigned. A card that can help drive process efficiencies and improve control over procurement spend. If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the cardmember agreements for any other currently open Majority accounts you have will not apply to you, except for any claims subject to pending litigation or arbitration at the time you send your rejection notice. 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). In that event, we may try to contact you at the address shown in our records. You can also set up direct deposits to your account and get a debit card. Your Card and your obligations under this Agreement may not be assigned. The Card is nontransferable, is not for resale, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. 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.

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