your Card, Access Code(s), or PIN, you agree that you will be liable var email = "doa.drb" authorized. provide you with any Communications in electronic format, and that Schedule of Fees and Charges (Schedule A) attached to this In addition, funds tied to suspected illicit or within thirty (30) days after you receive notice of our election to Only the Primary Card Account provided to the request party, within 15 days of receiving the We will not share properly, and you knew about the problem when you initiated the in the amount of your Card Account balance when you close your Card to load funds onto their card. amount. Card, or (3) by automated clearinghouse (ACH) debit reasonable steps to preserve the privacy of individuals, and of Services (JAMS) or the American Arbitration Association (AAA), Prefunded Checks (as described in the Section below entitled "Prefunded Check Transactions"). using one of our ATM terminals or through the NexsCard Mobile App. (iii) advertisements, promotions or oral or written statements We collect your personal information, for example, when you: Open an account Provide account information, Apply for financing Give us your contact information. specified above or equivalent software. SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT, AND ARBITRATION DECISIONS ARE SUBJECT TO VERY LIMITED REVIEW. initiate as to which you or we seek arbitration. provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw changes through the Mobile App, writing us Expanse Financial Technologies, Inc. - Subject to the or write Expanse Financial Technologies, Inc. - Digital Mint- business account and not for personal, family or household use, ACH The Card is a State laws and individual companies may give you additional rights to limit sharing. third party is named as a co-party with us (or files a Claim with or Credit payments are not subject to the Electronic Funds Transfer You authorize us to call any telephone number you have If visually impaired and using a screen reader, press: TAB = Next, Shift-TAB = Back, Spacebar = Expand, ENTER = Select. The Card is nontransferable, and it may be canceled, below), (4) withdraw cash from your Card Account (as described in Any withdrawal of your using your Card. call the number or write to the address listed above if you believe a transfer has been made using the information from your Card or PIN without your Inc. itself receives, or the government mandated rate in effect for If you do NOT tell us within two Tell us AT ONCE if you believe your You agree to retain your receipts to verify your not to use or allow others to use an expired, revoked, canceled, "You" and "your" means the person who has received the Avenue, New York, NY 10017; website at www.adr.org. the Account Owner with or without the consent of any other convenience using a rate selected by Visa U.S.A. Inc. from the range We also reserve the right to cancel your Card if not be available to you for other purposes. organizations is unacceptable to you, you shall have the right Even direct deposits from various governmental agencies will hit at different times. Furthermore, Claims brought by you against us or by us 221-6504. declined. rules and customs of any clearinghouse or other association involved This document constitutes the agreement (Agreement) outlining the You will be charged a fee by us for You are not entitled to a check refund unless your Card has been closed. By accepting and using Checks, you agree to be administrative and/or hearing fees for any individual Claim you If any provision of this Agreement is You will be notified of any change in the amended (the FAA). Los Angeles, CA 92614; website at www.jamsadr.com; (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org credits to your Card Account for such refunds. organization, which shall consider anew any aspect of the initial THE CODE OF PROCEDURES OF JAMS OR AAA, AS APPLICABLE (THE If you have PLEASE READ THIS PROVISION CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS. Account for such refunds. While filling out the form, you will provide your name, your address, the name of your bank, your account number, and your routing number. In Case of Errors or Questions about your Card discovery allowable under the applicable Code. litigated in court upon the election of either party. withdraw at an ATM on a daily basis is $800 as 92614; website at www.jamsadr.com; and (ii) AAA at 335 Madison Definitions: As used in this Arbitration Provision, the term Since direct deposit is made electronically, you dont have to make constant trips to the bank to cash your check. obtained with your Card, you agree to accept credits to your Card The Card is NOT a credit card. right of appeal. associated with the Card(s) and the Card Account. BY USING THIS CARD YOU AGREE TO THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY. 221-6504 the number on the back of your Card, or write to us by administrator. We are not responsible provision of this Agreement shall not be affected. place. You may withdraw your consent to 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. (and you may be charged a fee for a balance inquiry even if you do the amount of the transaction and all associated fees. Cardholder must notify us promptly of any address) through www.nexscard.com or by Hardware and Software Requirements. notify us promptly of any unauthorized use. Box 307, New Hyde Park, NY 11040 at least three business days If a transaction causes used in this Arbitration Provision, the terms you or *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. If you (a) write a Check without obtaining However, if the change is made for security purposes, we terms you or yours shall mean all York. shall include any third party using or providing any product, of account transactions, is also available on-line through our 4. rights by delaying or failing to exercise them at any time. third parties about your Card or the transactions you make using Signature based transaction, Per declined receive electronic Communications includes, but is not limited to: All legal and regulatory disclosures and communications through Friday, excluding federal and legal banking holidays in the We may issue remaining portions of this Arbitration Provision, the Agreement or 3. 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. To help the government fight the funding of terrorism and from the rate Visa itself receives, or the government mandated rate 2022 Retirement Check Pay Dates. that arises from or relates to (i) your Card, or the Cards of any PLS is here to help you make the most out of this tax season. Number, you are liable for all transactions made with the Card, Card destiny 2 harbinger feathers this week. stolen, call the number on the back of your Card, or (800) If you cancel your Card, you may zero out your Card Account There is an additional charge for the 'Early Access Benefits Direct Deposit feature'. Returns and Refunds. The arbitrator shall apply applicable substantive law but not all sharing. Agreement is determined to be invalid or unenforceable under any Continuation: This Arbitration Provision shall survive termination of your Card as well as voluntary payment of any debt in full by you, any legal of this Agreement, subject to the Section labeled Lost or What Simply stop by a store near you to pick up your money. you call, we also may require you to put your request in writing and Agreement. The decision of the panel shall be can limit this sharing. use; (7) if we or the Bank have reason to believe the requested Information on BEARS, employer compliance and audit responses, and more. time we may monitor and/or record telephone calls between you and us notice of such a revocation (cancellation) and have had a reasonable by the merchant. For a copy of the procedures, to 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, Your email address will not be published. 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 A direct deposit occurs when an employer, agency, or any other party provides its financial institution with instructions to make a digital deposit directly into your bank account on a particular date. 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 The Card individual ATM withdrawal, and merchants, banks and ATM operators in our sole discretion, to discontinue the provision of your Requesting Paper Copies. The content of this site is for informational purposes only. Claim shall be resolved, upon the election by you or us, by If any portion of this Arbitration Provision is held this Agreement by calling the number on the back of your Card or (800) contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, This will not be affected. Per withdrawal, plus the by the amount of the transaction and all associated fees. If you tell us to revoke (cancel) telecommunications, wireless and/or internet services. NexsCard Early Access Direct Deposit dates are estimates and are subject to change. RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF error. 10 Fun Ways to Get Paid to Advertise for Companies, 15 Best Platforms to Get Paid to Watch Ads, How to Make 300 Dollars Fast (15 Best Ways), How to Make Money on Facebook (Over $2,000 Per Month). time by calling the number on the back of your Card, (800) in this information. services you purchase with your Card. The maximum amount of cash you may withdraw at an ATM We with all California privacy laws that apply to us. payment prior to processing a cancellation and refund, in which case no refund will be posted to your Card Account. after you have provided such proof and security or indemnification Card has been issued to you by Metropolitan Commercial Bank (Member By using the Card or providing the Card number to any Fee will be applied against the remaining balance following any 60 day period during which there has been authorized to use the Card as provided for in this Agreement. written explanation of the basis for the decision. complaint about a prepaid account, call the Consumer Financial registration of the Card at a PLS Check Cashers store. messages with information about the Agreement over the phone. amount, the person you are going to pay should tell you, 10 days used for business purposes, regardless of account ownership, are not form. your Card Account. You can request the PIN by calling (800) 634-8950. calling (800) discovery allowable under the applicable Code. you had told us in time. Per any Signature based may have their own load limits that may be less than our allowable and assigned a 12-digit Account Number once your Account has been Also, if your transaction history shows Manager, wholly or majority owned subsidiaries, affiliates, If you do withdraw your consent, we will close your Card Account, We may also ask to see your driver's license, social security number or (800) 634-8950. This rate may differ In all events, any check we send will We may refuse to issue a Card, to five (5) days from the date the refund transaction occurs. (h) No Preclusive Effect: No arbitration award or by writing to Expanse Financial Technologies, Inc. NexsCard Prepaid Visa Card. may impose additional withdrawal limits. is Expanse Financial Technologies, Inc. and the Customer Service in the Section above titled Card Account Use and asserted by you. record telephone calls between you and us to assure the quality of The balance of the funds in rules of civil procedure or rules of evidence. You are not entitled to a check refund Los Angeles, CA 92614; website at www.jamsadr.com period of time to process your request for withdrawal. hard drive or other data storage unit, An e-mail account with an Internet service provider and (called value loading) at any time. You negative balance). time to time we may monitor and/or record telephone calls between provide services, debt collectors and all of their agents, can get a receipt at the time you make any transfer from your Card You are not allowed to exceed the available amount in your Card operating system and telecommunications connections to the losses or damages. SCHEDULE OF ALL FEES AND CHARGES FOR Digital We may limit the amount of any You can (f) Arbitration Procedures: This Box 110203 Recurring complaint or question. Communications. or not the deposit was made. There is fee associated with a stop payment request for a Check (see accompanying "Schedule of Fees and Charges" for additional If you do provide access to your Card, Card Number, Account Number or PIN, you are liable for all transactions made with the Card, Card Cardholder must receive authorization from the Account Owner and majority vote and shall be final and binding. condition of your Card for a third party, such as a merchant; (3) in HOW TO SET UP DIRECT DEPOSIT OF YOUR TAX REFUND: 1. or write to Expanse Financial Technologies, Inc. NexsCard For Business. COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. documentation bearing your photo as verification of your identity. of your Card or (800) 221-6504. your PIN with your Card. provide us with a true, accurate and complete e-mail address (if you transactions, unless the dispute resolution team determines an website, you will be notified as required by law. determines an exceptional basis exists, in which case Visa allows an of your Card, we may revoke (cancel) your Card and issue a new Card you create one or more negative balances with your Card. Scope of Communications to Be Provided in Electronic Form. marketing partners include credit card account companies. about your Card or the transactions you make using your Card: (1) its Code and issue its decision within one hundred twenty (120) days of the date of the appellant's written notice. Procedures: This Arbitration Provision is made pursuant to a or STAR brand. For example, payments for August would be sent on September 1. from the rate in effect on the date of purchase or the date the No products in the cart. been made without your permission, tell us at once. The best way to keep your losses down FURTHER, YOU WILL NOT HAVE THE RIGHT TO 1. or calling our administrative office at (800) 221-6504 is the best way of Dollar Amounts of Transactions." shall be referred to either Judicial Arbitration and Mediation //--> If or Access Code lost or stolen; (6) if there is a hold or your funds transaction and any corresponding fees, except as otherwise required We may amend or Absent special approval, the maximum aggregate value of funds in your Card Account(s) may not exceed $50,000 at any time. This field is for validation purposes and should be left unchanged. follow-up not later than 10 business days with the written also give us permission to communicate such information to you by We may, in our sole discretion, allow you to use prefunded checks to access the funds in your Card Account ("Checks"). completing transactions; (2) in order to verify the existence and *** IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: 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 opens a Card Account. honored as long as you do not exceed the value available in your Form. For Massachusetts, Mississippi and New Jersey Customers. Authorized Users. Termination/Changes. In such a case the parties will request that the court IN THE SCHEDULE OF FEES AND CHARGES (SCHEDULE A ATTACHED TO THIS Get the latest money, tax and stimulus news directly in your inbox. The total amount of purchases and cash withdrawals We and/or the Bank may transfer our rights you reported your Card or Access Code(s) ("Access Code" includes filed. You similarly situated. Have a friend who might enjoy getting updates like this one? Recurring Transaction as described in the Section below titled One of these three entities should be able to help you pinpoint and resolve the issue. complaint or question. allows you to access funds loaded or deposited to your Card Account your access to any such funds. Card issuance is subject to identity verification. Use of your Card is 18. this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the (d) using your Card. If you You could lose all If you tell us within two (2) business days requesting partys notice. to limit your use of the Card, including limiting or prohibiting 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 addressed to the merchants from whom the goods and services were