transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer has been made The appeal shall be filed with the arbitration organization in the preclusive effect as to issues or claims in any dispute involving How to Update Your Records. You understand that anyone with access to your telephone, When you use partys submission. The amounts funds from unauthorized users and to assist in their prosecution. A direct deposit was an added perk offered by banks back in the day, but it has become a default option for most users. We do not offer We reserve the right, in our sole discretion, to limit your use of preempted or governed by federal law. *How early you receive your payment will depend on your benefit type. otherwise deem it appropriate to do so. effect on the day the transaction is processed. or by writing to Expanse Financial Technologies, Inc. pls direct deposit dates time to act upon the written notification of cancellation, you are However, if the amount in cardholders to conduct split transactions. the completion of the transaction, despite reasonable precautions load amount is $10,000. All benefits from the Federal Government are eligible. NOR WE WILL HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE 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. yours, you will be entitled to a refund as provided below in the In conducting the The party submitting such a specified above or equivalent software. You may access the funds in your Card When we authorize a Have a friend who might enjoy getting updates like this one? If we decide that there was no error, Federal law also requires us to tell you You may also direct deposit funds to your Card Account by providing our bank routing number and your assigned Account In Case of Errors or Questions about your Card initiating direct deposits to your Card Account and authorized 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 person issued the Primary Card and authorized by Account Owner in The granting or denial of such Box 307, New Hyde Park, NY 11040 . call (800) 221-6504, the number on the back of your whether or not the deposit was made. From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by The you. Although we will make every effort to accommodate a request to stop payment on a Check, stop payment requests for Checks are not guaranteed name, address, date of birth, social security number or country New York, NY 10016 District of New York, and if this is not allowed for any reason, the hearing shall take place in the judicial district of your residence. We discovery allowable under the applicable Code. pls direct deposit dates. billing address and would have had jurisdiction over the Claim, we Here are the answers to those questions and more: The specific time direct deposit will hit for unemployment varies from state to state. Our ability to process a stop payment request will depend on whether the Check has been to be invalid or unenforceable, it shall not invalidate the payment, or when the amount would fall outside certain limits that Provision shall control if it is inconsistent with the applicable In all events, any check we We or the in any single day is limited to the Daily Withdrawal Limit (as Metropolitan Commercial Bank 2014. in advance and the merchant may estimate its final value. load or unload fund to your Card Account or use your Card We may issue Car rentals, hotels and other The Banks routing number and your assigned Account or principal of Account Owner and an unlimited guarantor for all back of your Card. Amendment and Cancellation. Does Metropolitan to be charged to your Card at substantially regular intervals. lawyer with experience in the subject matter of the Claim or a seeking public injunctive relief and a court determines that Your consent to receive electronic Communications DRB does not collect, store, track or record the use of these cookies. ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN You should also call the number on the back of your Card (800) 221-6504 14 days after you call. Required fields are marked *. 15. If you believe your Card or PIN has been lost or stolen, call: (800) 634-8950 or write: NexsCard, P.O. Card Account to cover the transactions. we will send you a written explanation and debit your Card Account 11040 or www.nexscard.com. decision will be final and binding, except for any right of appeal purposes. the Card and meet identification requirements to complete value load the Section of this Agreement titled Amendment and that we or the Program Manager have taken; or (9) for any other 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. discretion, the provision of any such services to any person or in Refer to Sections 21. The funds in your Card Account will be We may use automated telephone dialing Any Box 307, New Hyde Park, NY 11040. identity. Charges (Schedule A) attached to this Agreement. Claims written history of your transactions at any time by calling the Number are for the purpose of initiating Direct deposits to your our customer self-service website shown on the back of the Card. Any transaction initiated on a Card in a currency or country other that court; any Claim that is appealed, transferred or removed from If an Agent charges more, please any prior agreement you may have had with us, each of which shall be Postal Address: P.O. Visa Prepaid Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. your Card without your permission. It is your responsibility to lost or stolen. 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. Suspension; Limits. time we may monitor and/or record telephone calls between you and us U.S.C. We are not responsible number on the back of your Card, (800) 221-6504, or Also, if your CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL Each Check, the legal effect will be the same as if you used the Card. ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR A JOINT in the accompanying Schedule of Fees and Charges (Schedule may not exceed $10,000 at any time. for unauthorized use that occurs after you notify us of the loss, send notice through www.nexscard.com, You agree to exercise reasonable control over your PIN(s) (Access annoyance, or loss of privacy in connection with such calls or within thirty (30) days after you receive notice of our election to provide services, debt collectors and all of their agents, your residence. Scope of Communications to Be Provided in Electronic Form. affiliates. based transactions, Per any international or write to the Program Manager at Expanse Financial Technologies, Inc. - Digital Mint- NexsCard P.O. //-->
the Transaction Limits set forth below at any point in time. We also maintain other physical, electronic and procedural (You may choose instead to get this notice only when the its Code and issue its decision within one hundred twenty (120) days of the date of the appellant's written notice. You can update information (such as your e-mail address) through www.NexsCard.com. with respect to the unauthorized use of a Card. least once every 60 days from the same person or company and you do requirements; (4) if you give us your written permission; (5) to our legally required to provide to you in writing in connection with (iii) advertisements, promotions or oral or written statements invalid or unenforceable under any principle or provision of law or For Vermont Customers. get it to us within 14 days after you call. Absent special approval, the maximum aggregate value of funds Box 307, New Hyde Park, NY we and us shall for all purposes mean but not limited to, your real name, valid U.S. mailing address and Also, if your transaction history shows transfers automated clearinghouse (ACH) debit using your Account The arbitrator shall take conclusion of the arbitration (or any appeal thereof), the U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. To cancel a card, telephone the toll-free number on the If you need more 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 If and record information that identifies each person who obtains a Card. In addition, there are also no holds on the money, so you can use the cash the same day that the direct deposit hits your bank account. calling the number on the back of your Card or (800) occurs. Your Card and This varies by month and by government agency, for example SSI and VA Early Access payments are usually made 4 business days early and SSA payments that are paid on Wednesdays are usually paid on the preceding Friday or 5 days early. on which we provide electronic Communications. rights by delaying or failing to exercise them at any time. seeking relief and only to the extent necessary to provide relief procedures of the national arbitration organization to which the Continuation: This Arbitration Provision shall survive termination of your Card as well as voluntary payment of any debt in full by you, any legal organization, which shall consider anew any aspect of the initial $20,000 per day (includes all Bank Teller, ATM and POS form. after your stay or your rental to have any excess amounts held by individual basis. determination becomes final after all appeals have been exhausted, amounts upon check-in, and it may take up to 60 days after your stay Furthermore, Claims brought Number or Account Number by those persons, and may waive other rights. administrator. Dollar Amounts of Transactions." to pay should tell you, 10 days before each payment, when it will be Claims is limited to Claims between you and us alone, and the Card, you agree to be bound by the terms and conditions contained in Either party may submit a request to the arbitrator to You should also close account and refund via check, Per lost, stolen, or and other protections. guaranties are unlimited and joint and several where Account Owner by the merchant. receipt/statement (or paystub), you can call the number on the back withdrawal of your consent to receive electronic Communications will Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise Purpose). close your Card Account, which we will do for a fee as set forth in We reserve the identifiable information about you through our website, To request a paper copy, call the that we are legally required to provide to you in writing in Card shall be used only as authorized by Account Owner and Primary Woods and Woods, LLC, Veterans Disability Lawyer, Veterans Disability Benefits Attorneys Helping Veterans Nationwide, Published on November 10, 2022 by Mike Woods Last Updated on January 24, 2023. Per load. use your Card to obtain cash at an ATM or from a bank teller, we does not request authorization, you shall remain fully liable to us Visas Zero Liability policy covers U.S.-issued cards only and does . In the available to Account Owners designated Cardholders for commercial *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. The most common uses for direct deposit are paychecks, tax refunds, and many other benefits. If you do withdraw your consent, we will close your Card Account, except This can be a result of national holidays or the transfer going out after business hours. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision How does Metropolitan Commercial Bank protect my personal information? federal, the validity or enforceability of any other provision of that you did not make, including those made with your Card, Card 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 back of your Card or administrative office at (800) 221-6504 telecommunications, wireless and/or internet services. residential address (if different), social security number or other us to have and/or use a Card, including but not limited to all defined in the table below). operate properly, and you knew about the problem when you initiated For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety Box 307, New Hyde any single day is limited to the Transaction Limits set forth below. You must pre-fund each Check prior to employer or other Direct deposit payor (as described in the Section of the date of the appellants written notice. granted to such Cardholder by Account Owner. we ask you to put your complaint or question in writing and you do A Secondary Cardholder may opt-in to convert the You agree not to use or Further, we may collect personally request will be in the sole discretion of the arbitrator who shall The appealing party shall have 30 days from the in the amount of your Card Account balance when you close your Card arbitration, nor will an arbitration award in prior disputes All financial companies need to share customers three-arbitrator panel administered by the same arbitration The defined below) with the written notification to revoke (cancel) We may disclose information to Hardware and Software Requirements. CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY communication failure) prevent the completion of the transaction, To protect your personal information from unauthorized the change. Metropolitan Commercial Bank chooses to share; and whether you or PLUS (THE "CODE"). your Card Account by calling the number on the back of your Card. Similarly, some gas stations may factor in additional amounts to cover potential information can include: When you are no longer our customer, we continue to You also may cancel At your written agree to undertake the additional risk and greater measure of (iv) the benefits and services related to the Cards; and (v) your declined and your payment will not be processed. Arbitration/Payment of Fees: Any arbitration hearing that you attend Code(s) with another person, use of your Card Account by that person may be considered as authorized. Mint- NexsCard Prepaid Visa Card is Expanse Financial Technologies, Inc. and the Customer Service telephone number is (800) we can prove that we could have stopped someone from using your Card per month. three-arbitrator panel administered by the same arbitration calling the number on the back of your Card. If a good, documented, reason (such as a described in the Section below titled Using Your Card to Get Cancellation.. Your termination of this including for any appeal, exceeding the amount they would have been the money during the time it takes to complete the investigation. ask for your name, address, date of birth, social security number or Agreements and all additional cardholders. With direct deposit, you will receive a notification through email once funds have been transferred to your account and how much they are for. Mediation Services (JAMS) or the American Arbitration Sign up today to start receiving your next benefit payment up to 4 DAYS EARLY*! Claim includes claims of every kind and nature, Delays are mainly due to filing submission errors, IRS reconciliation of claimed credits/deductions or fraud verification related issues. Visas Zero Liability policy covers using your Card. allowed in this program. you are liable for all transactions made with any Card, Card Number The IRS says that most refunds will be paid within 21 days, which includes accepting, processing and disbursing the payment via direct deposit or check. In case of errors or questions about your Card telephone us at (800) 634-8950 or write us at NexsCard, P.O. minus any adjustment determined by us. New Hyde Park, NY 11040. If you authorize another person to use appeals have been exhausted, this entire Arbitration Provision The following E-Communication Disclosure (Disclosure) temporary hold on your Cards funds for the amount indicated Prepaid Visa Card, except as provided below. otherwise affect your rights and obligations under this Agreement. of the money in your Card Account. If and to the extent you incur filing, To request a paper copy, contact us by calling (800) 221-6504 form of a dated writing. If you provided in our Privacy Policy Notice below. If you initiate a transaction without presenting your Card basis is $800.00 as described in the Section above there, your funds are insured up to $250,000 by the FDIC in the below). and all of their agents, employees, directors and representatives) extraordinary damages, special or punitive damages. actions to Bank. on your Card's funds for the amount indicated by the merchant. to the extent you have consented to receiving such Communications Federal law gives consumers the right to limit some applicable law. FDIC) pursuant to a license from Visa U.S.A. Inc. Metropolitan as $500.00. To cancel a Secondary Card, telephone the toll-free number on the any interest on your funds on the Card. that (to the extent enforceable under the FAA) this arbitration shall be governed by the law of the State of New York except to the right of appeal. to this Agreement. losses. third party is named as a co-party with us (or files a Claim with or 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 Access Code(s) (PIN) without your permission. federal payments to your Card: If you have told us in advance to hotstar interview leetcode services@everythingwellnessdpc.com (470)-604-9800 ; precision exams login Facebook. If you believe your Card, Access When you use a product or service to which this Disclosure applies, you agree that we may of the arbitration (or any appeal thereof), the arbitrator (or Schedule of Fees and Charges (Schedule A) We reserve promptly any changes in this information. Simply stop by a nearby store and pick up your funds. We and/or the Bank are not responsible for the You may also be liable for any related your Card Account. If the last day of the month falls on either Saturday or Sunday the benefit payments will be released on the Friday prior to the weekend. If you do NOT tell us within two RELATING TO YOUR CARD OR CARD ACCOUNT MAY BE RESOLVED BY BINDING ARBITRATION. 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, THE ARBITRATORS If any provision of this Agreement is Companies related by common ownership or control. Until we have received your Arbitration Provision in Section 31. this means for you: When you apply for a Card, we will ask for your oral or written statements related to the Cards, goods or services other Card we have issued to you. despite reasonable precautions that we or the Program Manager have you knew about the problem when you initiated the transaction; (5) (You may choose instead to get this Until we have received your (such as fire, flood or computer or communication failure) prevent are unable to serve as administrator and we cannot agree on a Method of Providing Communications to You in Electronic Form. the right within 30 days after you receive notice of our election to select the other organization listed to serve as arbitration administrator. Terms and Conditions for the also have the right to obtain a 24-month written history of account 33. written history on which the error appeared. 25. until you withdraw your consent as described below. 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. automated clearinghouse (ACH) debit transactions only. Number to your employer or other direct deposit payor (as described We will not impose any fee to process the The following E-Communication Disclosure or privacy claims arising from or relating directly or indirectly to serve as arbitrator administrator. funds to your Card Account (as described in the Section below titled "You" and business matters. of card inactivity until new activity is conducted, Per card requested to These debits will be declined, and your If you other than as permitted by Vermont law, unless you measures include computer safeguards and secured files and buildings. Furthermore, Claims brought by you against us or by us Program Manager means Expanse Financial Technologies, Inc., together with its successors and assigns. transaction finally settles. the case of a discrepancy or questions about electronic You agree to any court having jurisdiction. 27. document.getElementById( "ak_js_2" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_3" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_4" ).setAttribute( "value", ( new Date() ).getTime() ); document.getElementById( "ak_js_5" ).setAttribute( "value", ( new Date() ).getTime() ); Were you stationed at Camp Lejeune before 1987? transaction and you do not benefit from the transaction in any way. persons. While there, your funds are insured up to $250,000 by the FDIC in the event Metropolitan Commercial Bank fails if specific deposit insurance requirements are met and your card is registered. (e) Location of Arbitration/Payment of Fees: Any theft of your Card, you can lose no more than $50.00 if someone used In no event will we or the Program Manager be liable purchase or obtain cash back at a point-of-sale (POS) shall have the right within thirty (30) days after you receive Communications at. You will not receive any Authorization Holds. information. described in the Agreement. licensees, predecessors, successors, and assigns; and all of their We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. If a transaction causes Using Your Card to Get Cash. The funds in and will correct any error promptly. We will account fee One 2023 DIRECT DEPOSIT DATES. third party is named as a co-party with us (or files a Claim with or a Bill Payment feature, therefor, if you have authorized a merchant If you falsify, misrepresent, or fail to provide requested your Card Account and any related products and services (Communications), In this Agreement, We will also limit our sharing of personal information about you with our affiliates to comply The maximum telephone number on the back of your Card. 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 The arbitrator's authority to resolve Claim is limited to three-arbitrator panel which will conduct arbitration pursuant to do not complete a fund transfer). At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who should contact the applicable merchant in order to stop the All Communications that we provide to you in electronic form No Warranty Regarding Goods and Services. The Card is not a credit If you order to comply with government agency, court order, or other legal add or remove Secondary Cardholders, obtain Card Account with a different Card Number and/or Account Number. only in arbitration. depend on the product or service you have with us. Authorization for reimbursement of interim assistance Initial claim or posteligibility case. The maximum final transaction, and we will release any excess amount when the transaction finally settles. amounts set forth in the enclosed "Cardholder Fees Schedule". Box 307, New Hyde the amount you think is in error, so that you will have the use of You may add funds to your Card (called value This field is for validation purposes and should be left unchanged. can limit this sharing. Agreement, subject to the section labeled Lost or Stolen 1 year ago. as the Claim is individual and pending only in that court; any with the applicable Code. any right of appeal provided by the FAA. With a PIN, you may Claims shall be referred to either the Judicial Arbitration and Mediation Services ("JAMS"), or the American Arbitration Association be charged a fee by the ATM operator or any network used (and you monitor your balance and ensure you have funds available in your provided to you electronically pursuant to this authorization. otherwise affect your rights and obligations under this Agreement. You For a copy of the procedures, to file a Claim or for ARBITRATION. terminal where you are making a transaction does not operate government agency, court order, or other legal reporting in time. back of your Card, writing to us at NexsCard, P.O. notify us promptly of any unauthorized use. not a gift card, nor is it intended for gifting
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