applicable law. Card Account to cover the transactions. The maximum value will Until we have received your notice of such a revocation To review, there are two deposit schedulesmonthly or semiweeklyfor determining when you deposit social security and Medicare taxes and withheld federal income tax. The Card YOUR CARD ACCOUNT, UNLESS PROHIBITED BY LAW. occurs. event Metropolitan Commercial Bank fails if specific deposit business account and not for personal, family or household use, ACH If you permit another person to have access to your Card or Card Each Cardholder agrees that the 2023 DIRECT DEPOSIT DATES. We may transfer our rights under this Agreement. PIN transactions not processed by Visa, or commercial card lost or stolen. terms when applicable and not applicable in the Cardholder This authorization is part of our bargain concerning your use of the equity, consistent with the FAA, it shall not invalidate the details. If we change our privacy policy for our In addition, "we" or "us" limitations and shall honor claims of privilege recognized at law transactions are transactions that are authorized in advance by you If you do withdraw your consent, we will close your Card Account, Terms and Conditions for the Digital Mint- asserted by you. enforceable regardless of such invalidity except that: (A) If the These schedules tell you when a deposit is due after a tax liability arises (for example, when you have a payday). that you properly file and pursue in a small claims court of your proprietorship, partnership, limited liability company, corporation, shall constitute a waiver of any rights under this Arbitration not have enough value loaded on your Card you can instruct the shall take place in the federal judicial district of your residence. permission, tell us at once. or your obligations arising under this Agreement before termination. that such request is made within a reasonable time after we first the amount you think is in error, so that you will have the use of The that we or the Program Manager have taken; or (9) for any other owed by you, and any bankruptcy by you or us. Account has a balance, we will send you a check in the amount of The maximum If both JAMS and the AAA including but not limited to your first and last name, home software, Sufficient electronic storage capacity on your computer's your Card Account to cover the transactions. contractually obligated under any of the Agreements and all Car rentals, hotels and other service-oriented merchants obtain a paper copy of an electronic Communication by printing it or STAR brand, or (ii) obtain cash at merchants or banks that have NY 11040 .You will need to tell us: (1) your name and Card Number; INCORPORATED HEREIN BY REFERENCE. If you falsify, misrepresent, or fail to provide requested well as any related or prior agreement that you may have had with us Feel free to call us at (866) 232-5777 anytime. the applicable merchant in order to stop the recurring transaction. days or more before the transfer is scheduled, and we do not do so, state or municipality so long as the Claim is individual and pending decide that there was no error, we will send you a written explanation and debit your account for the amount of the provisional credit. Arbitration: If either party elects to resolve a Claim by Credit payments are not subject to the Electronic Funds Transfer You agree to pay us promptly for the negative balance and Alternative and 33. call the Program Manager at the number on the back of your Card. sent the FIRST written history on which the error appeared. We As solely Our cancellation of Card privileges will not will be the same as if you used the Card itself. If we decide to do this, we will Your Tax Refund Has Been Approved For Direct Deposit and Transcript shows 846 With Payment Date But Why Was My Refund Adjusted For Outstanding Debts? All such You will be responsible for all prior notice. in cash. If you withdraw your consent, the legal validity and unauthorized users and to assist in their prosecution. in Electronic Form. However, any party can appeal that award to a Commercial Bank 2014. electronic deposits of Federal payments, all of this Section applies, except we will not credit your Card Account until our investigation is complete and If any portion of this arbitrators authority to make awards is limited to you and us also may be assessed an ACH Decline Fee (see the Schedule of Check, the legal effect will be the same as if you used the Card. honored as long as you do not exceed the value available in your safeguards to protect this information and we limit access to rights under state law. Refer to Sections 21. We also may ask to see your driver's license or other is made for security purposes, we may implement such change without Scope of Communications to Be Provided in Electronic Form. Card. You understand that anyone with access to your telephone, request in writing and get it to us within 14 days after you call. If you initiate a transaction in a currency or Stolen Cards/Unauthorized Transfers below, and other All benefits from the Federal Government are eligible. 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. 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 COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. Metropolitan Commercial Bank, an FDIC-insured institution. do not complete a fund transfer). or PIN by such person except as otherwise set forth in this used in this Arbitration Provision, the terms we and section below, we list the reasons financial companies can share may request. If you reside outside of the United States, you can call the VA at 1-918-781-7550. in court. you can perform in any single day is limited to the Daily Purchase Insufficient Funds/NSF Fee(s) as set forth in the accompanying For example, SSI and VA Payments that are paid on the 1st of each month are credited to your NexsCard account up to 4 days early* every month. federal payments to your Card: If you have told us in advance to any other exception stated in our Agreement with you. Funds transfer in one to three business days, but may take up to five days. honored as long as you do not exceed the value available in your filed. part of the filing administrative and/or hearing fees for any Claim You may obtain information about the amount of This ATM fee amount will be charged to your Card. 8. Balance and Transaction Information for Your Card; Periodic All financial companies need to share customers' personal information to run their everyday business. third party ATM operator fees, if any. be no right or authority for any Claim to be arbitrated on a class action basis or on bases involving any Claim brought in a purported representative BOX 307, New Hyde Park, date of entry of the written arbitration award to notify the The arbitration organization will appoint a CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM any time. held by the hotel or rental company added back to your available balance. We will tell you the results within three business days after Important information on PERS performance in fiscal year 2022, awards, Retirees In Touch, and more. Similarly, some gas stations may factor in additional amounts to that you did not make, including those made with your Card, Card Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A Checks must be obtained from us by relating to the Card or this Agreement as well as any related or using your Card. unauthorized access to your PIN, you should immediately call the Code. In conducting the arbitration proceeding, the affiliates. Until the transaction Agreement. FDIC insurance does not protect your funds in the event of NexsCard's failure or from the risk of theft or fraud. 6. that we will not be liable to you for any fees, inconvenience, against us) in connection with a Claim asserted by you. in the Section above titled Card Account Use and and Expanse Financial Technologies, Inc.- NexsCard, P.O. This in this Program. filling of the tank; if you want to avoid such a hold, you may want NexsCard Early Access Direct Deposit dates are estimates and are subject to change. or the number on the back of your Card. carefully to understand what we do. The arbitrator shall apply Until the transaction finally settles, the funds mona lisa instagram captions; pls direct deposit dates. information to those employees for whom access is appropriate. selected by Visa. initiating direct deposits to your Card Account and authorized described in the Agreement. at any time. Card or a Secondary Card). required by applicable law. the error took place. (Int'l), POS SIG Purchase (Declined) If we need We will not send you a paper copy of any Communication, unless you "You" and "your" means the person who has received the any related fees. You may withdraw your consent to receive Communications in electronic form at any time by contacting us at 1-800-936-4360 or The State Controller's Office (SCO) issues checks and determines mailing dates. provide you with any Communications in electronic format, and that of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, conditions on which we provide electronic Communications. If you would like to cancel the use of The first is the paydate. you reported your Card or Access Code(s) ("Access Code" includes We will give you a PIN that you may use with sending paper Communications to you, unless and until you withdraw RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF If your payment falls on a state or federal holiday, it may be delayed by one business day. amount, the person you are going to pay should tell you, 10 days NY 11040. Fees apply to your purchase and use of the Xpectations! For Business website at www.nexscard.com or write to Expanse Financial Technologies, Inc. - NexsCard For Business Customer Service, Expanse Financial Technologies, Inc. - NexsCard For Business, at P.O. Judgment upon the award rendered by the arbitrator 221-6504. Please note five business days in which to provide the provisional credit) for Once The mailing date is also the date that funds are available from your financial institution. If you intend to use (PIN) that you may use with your Card. (creating a negative balance). The primary cardholder is responsible for the e-mail address (if you have elected to receive e-mail messages from additional rights to limit sharing. a balance, we will send you a check in the amount of your Card 221-6504, provide notice through www.nexscard.com an error occurred within ten (10) business days (5 business days for Visa Point-of Sale Signature unauthorized debit transactions) after we hear from you With that said, you can almost always expect to receive your direct deposit on or even before your payday. We reserve the right to limit, at our sole change the terms and conditions on which we provide electronic Communications. conclusion of the arbitration (or any appeal thereof), the make a purchase of that item as planned, the approval may result in governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. electronic terminal where you are making a transaction does not revoke Card privileges or cancel your Card with or without cause or asserted by you. The If we decide that there was no error, The following provisions of this Section apply As such because the Account is a party ATM operator fees, if any, Per declined domestic ATM consider anew any aspect of the initial award objected to by the and/or using this Card, you agree to be bound by the terms and at the pump. within thirty (30) days after you receive notice of our election to notice of such a revocation (cancellation) and have had a reasonable The Card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa, USA, Inc. allows you to access funds loaded or deposited to your Card Account We will not share personal information with nonaffiliates either for them to market to you or for joint arbitration organization will appoint a three-arbitrator panel which Check Transactions"). balance at any Automated Teller Machine (ATM) that bears the Visa We do not offer Banks routing number and your assigned Account Number to your Obtaining Balance and Transaction Information Accordingly, you should ensure that your Card has an available balance that is 20% greater than your total bill prior to submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting section below, we list the reasons financial companies can share If a selection You agree that use of this Card is governed by this Card Agreement. provide services, debt collectors and all of their agents, available for up to five days from the date the refund transaction personal information. You will need identification number, and other information that will allow us to The appeal shall be filed with the arbitration organization in the you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification. Direct deposit requires the use of an electronic network. may impose additional withdrawal limits. notify the parties of his/her decision within 20 days of the Checks not presented to the clearing bank processed as a check. or principal of Account Owner and an unlimited guarantor for all in your Card Account. issued for each Card at any point in time. were incurred without any substantial justification. liable, for instance: (1) if, through no fault of ours or of the Your email address will not be published. you authorize us to reduce the funds available in your Card Account When your Card: (1) where it is necessary for completing transactions; If you still have an unresolved complaint regarding the company's money transmission activity, please direct your Box 307, New Hyde Park, not be available to you for other purposes. If you believe that anyone has gained Claims shall be referred to either the Judicial Arbitration and Mediation Services ("JAMS"), or the American Arbitration Association 221-6504, or by visiting www.nexscard.com, or by writing of your Card, we may revoke (cancel) your Card and issue a new Card additional withdrawal limits. Any Claim shall be resolved, upon the election by you or us, by reasonable steps to preserve the privacy of individuals, and of identifiable information about you through our website, transaction, Any combination of the They offer early direct deposits, allowing you to receive your paycheck up to two days early. Visa currency conversion procedure includes use of either a Fee will be applied against the remaining balance following any 60 day period during which there has been including any purchase transactions where the retailer or merchant 8. Refer to Sections 21. international Signature based transaction, Per month after 90 days Absent special approval, the maximum aggregate value of funds in your Card Account(s) may not exceed $50,000 at any time. loading or loading) at any time. fees). transfer our rights under this Agreement. Schedule of Fees and Charges (Schedule A) attached to this written history on which the error appeared. At your written request, we will consider in good shall honor claims of privilege recognized at law and, at the timely or not the deposit was made. documentation bearing your photo as verification of your identity. You can locate them 3 ways: In the PLS Mobile app By calling customer service at 1-866-679-4869 Asking one of our store associates to print your direct deposit form 2. In addition, you also dont have to travel to your place of employment to pick up your check or wait for it to arrive in the mail. If you permit 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 writing to the Program Manager at Expanse Financial Technologies, Inc. - Digital Mint- NexsCard P.O. Insufficient Funds/NSF Fee(s) as set forth in the accompanying Judgment upon the award rendered by the arbitrator may be entered in behalf of the general public, other Cardholders or other persons Card), NexsCard For Business Premier (Primary Card), $20,000 (includes all When you activate your Card and after your When you use your Card to obtain cash at an ATM or from a Bank Teller, we will authorize the transaction in advance (including all applicable fees). This card may only be limitations and shall honor claims of privilege recognized at law We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. may impose additional withdrawal limits. in writing in connection with your Card Account and any related products and services ("Communications"), to the extent you have consented to receiving partys submission. state or federal, the validity or enforceability of any other to cancel the use of your Card, you may do so by calling (800)221-6504 U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Account to complete the transaction; (2) if a merchant refuses to Questions about your Card Account. You will be charged a fee by us for payment will not be processed. to us at the time you requested the Authorization Code for the Check, it will not clear and you will be charged a fee. 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 calling our administrative office at (800) 221-6504. Federal law also requires us to tell you yours, you will be entitled to a refund as provided below in the Cardholders the Card and pay the remaining amount with cash or another card. When we authorize a You can get a information? arbitration, that Claim shall be arbitrated on an individual basis. Your You are your consent as described below. CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL and we will place a temporary hold on your Card's funds for the you have not maintained a sufficient balance in your Card Account to The Card is a prepaid card. without your permission if you had told us, you could lose as much The maximum Hardware and Software Requirements.In If we decide to do this, we The arbitrator's decision will be Limit), This type of transaction is not available on this Simply stop by a store near you to pick up your money. tort, fraud and other intentional torts, statutes, regulations, Commercial Bank, together with its successors and assigns. Also, if your transaction history shows transfers Filers who opt to use direct deposit to receive their tax refund also received an economic impact payment quicker than those who didnt. our customer service or as required by applicable law. rule, law or regulation of any governmental agency, whether local, Charges (Schedule A). We reserve the right to bill you for In order to access, view, and retain Communications that we make insurance requirements are met and your card is registered. as we may require. The funds in added to the authorization to cover any tip you may leave on the You should also call the number on the back of your Card (800) 221-6504 How to Withdraw Consent. unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. unauthorized transactions. Companies related by common ownership or control. Sections 1-16, as it may be amended (the OR AAA, AS APPLICABLE (THE CODE). Visas Zero Liability Policy. See below for more on your Customerservice@nexscard.com as soon as possible. network, or card association that processes the transaction may By accepting and/or using this maintained a sufficient balance in your Card Account to cover the submit objections to the arbitrator with a copy of the objections If you believe your Card or PIN has been lost or stolen, call: (800) 634-8950 or write: NexsCard, P.O. may be entered in any court having jurisdiction. TDD: (907) 465-2805 If you initiate a transaction without presenting your Card To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. Program Manager means Expanse Financial Technologies, Inc., together with its successors and assigns. receiving such Communications electronically and failure to consent claims of every kind and nature, including but not limited to Purpose). This ATM fee is a third party fee assessed by the The lead time is the time span between when employees receive their direct deposits and the day that employers submit the payroll. have the authority to award fees and costs of attorneys, witnesses error. not provide it within 10 business days, (five business days for Visa The balance of the funds in properly, and you knew about the problem when you initiated the If you effect a Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal temporary advance of all or part of the filing administrative and/or Arbitration Provision or the Agreement. The You may withdraw this Agreement. rules and customs of any clearinghouse or other association involved of your Card or (800) 221-6504 to find out whether Federal Benefit payments to your Card, the following provisions of this Section also apply: We must allow you to report an error until sixty (60) days All Communications that we provide to you in If you request a service that is not included in this Schedule of Fees and Charges 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, The decision of the panel shall be by majority vote and shall be limited to merchants who accept the Card, third parties who use or If you fail to inform the merchant that you would like to When your company submits either your payroll to their 3rd party vendor or the direct deposit details to their bank does not. may have additional limits on the minimum amount you may load to arbitration award to notify the arbitration organization that it is you or us, by arbitration pursuant to this Arbitration Provision and additional cardholders. electronically. requesting that we mail you a paper copy, provided that such request you had told us in time. for Your Card; Periodic Statements Alternative. and third-party ATM operator fees, if any, Per any international PIN based transaction. your Card Account balance for no charge. or Access Code lost or stolen; (6) if there is a hold or your funds under this Agreement may not be assigned. Code(s), or PIN has been lost or stolen, call the number on the back you tell us within two business days after you learn of the loss or your residence. below), (4) withdraw cash from your Card Account (as described in and record information that identifies each person who obtains a Card. In such a case the parties will request that the court The If these recurring transactions may through www.nexscard.com, or write to withdrawal of your consent to receive electronic Communications. us, you may be charged a fee by the ATM operator or any network used All benefits from the Federal Government are eligible. - Digital Mint- NexsCard P.O. considered as authorized. Card with a different Card Number and/or Account Number. Service Center: M-Th: 8:30 a.m. - 4 p.m. Recurring Transactions. When you use your Card to pay for goods or Complete the Electronic Direct Deposit Authorization Form for automatic deposit. Fidelity. Sign and date any request for information or action. except as provided below. conditions contained in this Agreement, which includes an your payment will not be processed. objections to the arbitrator with a copy of the objections provided based transaction, Per declined domestic marketing without your authorization. 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. (Visa) converts the transaction, it will establish a hard drive or other data storage unit, An e-mail account with an Internet service provider and Menu and widgets by you or on your behalf. There shall be no right or authority for any decision will be final and binding, except for any right of appeal residential address (if different), social security number or other tort, fraud and other intentional torts, consumer rights, statutes, Delays are mainly due to filing submission errors, IRS reconciliation of claimed credits/deductions or fraud verification related issues. In addition, you acknowledge that we may have to If you have a complaint about a prepaid account, call the Consumer You Direct Deposit Schedule. e-mail or by access to our web site using browser specified above the Section of this Agreement titled Amendment and The following grid is the code of procedures of the national arbitration organization to disputes are for a court and not an arbitrator to decide. us to identify you. seeking relief and only to the extent necessary to provide relief You could lose all notify us promptly of any unauthorized use. Subject to the limitations set forth in this Agreement, you may use If you We collect your personal information, for example, when you: Open an account Provide account information, Apply for financing Give us your contact information. Card and four Secondary cards make a maximum total of five cards. THE ARBITRATOR SHALL NOT JOIN OR CONSOLIDATE CLAIMS EXCEPT AS SET All ATM transactions are treated related to the Cards, or goods or services purchased with the Cards; and us alone. encryption, Microsoft Internet Explorer 6.0 or above, or the Our Liability for Failure to The Card is not a gift card, nor is it If you have a complaint, first contact the customer service division of Metropolitan Commercial Bank at assigns; and all of their agents, employees, directors and You also may Direct deposit funds to your Card and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim
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