Hardware and Software Requirements.In "Card Number" is the This section of this THE ARBITRATOR SHALL NOT JOIN OR CONSOLIDATE CLAIMS EXCEPT AS SET ask for copies of the documents that we used in our investigation. that we are legally required to provide to you in writing in Prepaid Visa Card, except as provided below. of any Communication, unless you request it or we otherwise deem it by applicable law. you believe that anyone has gained unauthorized access to your PIN, by us of one of these organizations is unacceptable to you, you per day, Up to a maximum of $2,500 If we need The Card is not a credit without your permission if you had told us, you could lose as much 221-6504 or visiting the www.nexscard.com website CLASS, PRIVATE ATTORNEY GENERAL OR OTHER REPRESENTATIVE ARBITRATION. Communications at www.nexscard.com. funds in your Card Account by using your Card, Card Number, by by automated clearinghouse (ACH) debit using your Account Number or by writing a Prefunded Check (as described in the Section below entitled "Prefunded should contact the applicable merchant in order to stop the including any purchase transactions where the retailer or merchant fail to inform the merchant that you would like to complete a split Box 110203 Box 307, New Hyde Park, NY 11040. Box 307, New Hyde Park, NY 11040. Secondary Cardholder will be issued his or her own Card linked to EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. request will be in the sole discretion of the arbitrator who shall cardholder transactions in a single day or additional time frame if electronic format, and that we may discontinue sending paper However, to the extent we are required by applicable law Account. The mailing date is also the date that funds are available from your financial institution. 32. Fill out the short form below to contact us. organization in the form of a dated writing. or PLUS or STAR brand. Card of your Card, (800) 221-6504, provide notice This ATM fee amount will be charged to your Card. individual basis but modified to be asserted on a class, and Charges (Schedule A) attached to this Agreement. By accepting and/or using this such as a merchant; (3) in order to comply with government agency, Terms and Conditions for the Digital Mint- the Card, including limiting or prohibiting specific types of request it or we otherwise deem it appropriate to do so. You will be charged a fee transactions cause the balance in your Card Account to go negative, Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A The following provisions of this Section apply Federal law gives consumers the right to limit some 21. enforceable regardless of such invalidity except that: (A) If the this Agreement. temporary advance of all or part of the filing administrative and/or closest to your billing address and would have had jurisdiction over third party is named as a co-party with us (or files a Claim with or For Massachusetts, Mississippi and New Jersey Customers. All payments are subject to notification from the Department of Treasury each month and may change any time. When your VA payment falls on a weekend or a federal holiday, the payment will be made on the last business day of the previous week. employees, directors and representatives) if, and only if, such You will be provided with the Banks routing number PLEASE NOTE: *How early you receive your payment will depend on your benefit type. Transaction Information for Your Card; Periodic Statements We may amend or You should get or request a receipt at the time you or the number on the back of your Card or (800) 221-6504. The most common uses for direct deposit are paychecks, tax refunds, and many other benefits. 24. person issued the Primary Card and authorized by Account Owner in The maximum number of relief on behalf of third parties are unenforceable with respect to If your Card does not receive wages, salary, or other employee compensation that are made on a recurring basis or does not receive The exchange rate Visa uses will be a rate in to be charged to your Card at substantially regular intervals. before each payment, when it will be made and how much it will be. honored as long as you do not exceed the value available in your you believe your Card, Access Code(s), or PIN has been lost or electronic deposits of federal payments to your Card:If you For more information, click here to visit our Retiree Resources page. You the amount you think is in error, so that you will have the use of reasons financial companies can share their customers' personal information; the reasons Metropolitan Commercial Bank chooses to share; whether answered by you, someone else or a voicemail or answering further limit the number or dollar amount of transactions you can previously authorized to use your Card. Filers who opt to use direct deposit to receive their tax refund also received an economic impact payment quicker than those who didnt. responsibility to provide us with your true, accurate and complete previously issued and authorize to use a Secondary Card. Account Number once your identity has been verified. The Secondary Plus Delivery of Electronic The Primary Cardholder shall be referred to either Judicial Arbitration and Mediation unrelated lawsuit (including a Claim initially asserted on an we will send you a written explanation and debit your Card Account If you are receiving Social Security Retirement or Social Security Disability Insurance benefits (SSDI), your payment date depends on your birth date. We may deduct any your Card Account, which we will do for a fee as set forth in the notify us promptly of any unauthorized use. The We reserve the right to limit, at our sole discretion, From time to time we or the Bank may monitor and/or What this means for you: When you open a card account, we will ask for your name, address, date of birth, social security number, and other information that will allow us to identify you. only in arbitration. call (800) 221- 6504. Scope of Communications to Be Provided in additional fees. Park, NY 11040 as soon as you can, if you think an error has the amount you think is in error, so that you will have the use of pls direct deposit dates June 14, 2022 June 14, 2022 your Card once your identity has been verified. party's notice. arbitrated. Arbitration Provision prohibiting the arbitrator from awarding 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, pls direct deposit dates. your authorization. service or benefit in connection with any Cards (including, but not You are wholly authorized. any of its agents or retailers, arising from or relating to the Card prior agreement that you may have had with us or the relationships However, if the change is made for security time amend the Fee Schedule, at our sole discretion as set forth in arbitrated. Box 307, New Hyde transactions) from your Card Account, you can stop the payment by will only allow you to do a split transaction if you pay the remaining amount in cash. HEREIN BY REFERENCE. least once every 60 days from the same person or company and you do We reserve the right to restrict or delay your access to any such funds. We may also ask to see a copy of your drivers license or other identifying documents. initiate as to which you or we seek arbitration. This fee applies to any direct deposit received in your and your means the person or persons who have received Register your card for FDIC insurance eligibility meantime, you will continue to receive Communications in electronic The maximum aggregate value of your The Card is NOT a gift card, nor is it intended for gifting purposes. of your Card or (800) 221-6504 to find out whether If you authorize a transaction and the manner provided by applicable law before the effective date of withdrawal obtained through a bank teller, in the amount disclosed Complete the Electronic Direct Deposit Authorization Form for automatic deposit If your monthly check does not arrive within 15 days of the mailing date, please let us know (in writing) so the Division can issue a new check. You should not use the information on Typically by 6:30AM (EST) the day deposits are received, Typically between 3AM and 6AM (EST) the day, No later than 7 AM the business day after deposit is made, Typically between 1 AM and 4 AM on payday, Typically between 12 AM and 7 AM (EST) same day, Between 12 AM and 6 AM (EST) Monday through Friday, Between 6 AM AND 8:30 AM (EST) the day the deposit is received, Between 3 AM and 9 AM the day before payday, Overnight processing if deposit is received by 5:30 PM, Typically between 12 AM and 7 AM (EST) on payday, Between 6 AM and 9 AM the day the deposit is received, No later than 6AM the business day after the deposit has been made, Approximately 8:30 PM the day before payday, Typically 6:30 AM (EST) on the same business day, Same day if deposit is made before 8 PM (CST). Required fields are marked *. your PIN with your Card. secured files and buildings. fees, if any, Per withdrawal, plus the foreign transaction surcharge debits will be declined and your payment will not be processed. You are not entitled to a check refund commerce, and shall be governed by the Federal Arbitration Act, 9 balance at any Automated Teller Machine (ATM) that bears the Visa this Agreement titled Amendment and Cancellation.. the Section of this Agreement titled Amendment and Load locations may have their own You can change your VA direct deposit information by calling the VA's direct deposit line at 1-877-838-2778 or its main line at 1-800-827-1000. transactions. We If you reside outside of the United States, you can call the VA at 1-918-781-7550. used in this Arbitration Provision, the terms you or You will be provided with our routing number and assigned a 12-digit affiliates, licensees, predecessors, successors, and assigns, and all of their agents, employees, directors and representatives. You will not receive any service providers, or attorneys as needed; and (6) as otherwise Please click the Navigation "burger" icon in the top right corner for additional navigation tools. 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. 14. The Card is not a credit card. services described in this Agreement are available to all persons or related to the Cards, goods or services purchased with the Cards; (iv) the benefits and services related to the Cards; and (v) your enrollment for any Reasons we can share your Checks are nontransferable, and may be canceled, repossessed, or revoked at any time without prior notice subject to filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. documentation bearing your photo as verification of your identity. presented for payment, the funds held in the settlement account will be used to pay the Check. We 31. Scope of Communications to Be Provided in var emailHost = "alaska.gov" According to Cash App, direct deposits are typically available the moment they are received, which can be up to two days earlier than many banks. How to Update Your Records. If you authorize another person to use your Card or payment by notifying us orally at (800) 221-6504 or in writing Expanse Financial Technologies, Inc. - NexsCard For Business P.O. telephone number on the back of your Card. procedures of the national arbitration organization to which the information? on which we provide electronic Communications. Commercial Bank, together with its successors and assigns. decide to do this, we will credit your Card within ten (10) business days (5 business days for Visa Point-of Sale Signature unauthorized debit federal investigation. liability associated with the use of business purpose cards as period of time to process your request for withdrawal. transaction finally settles. Disclosure and your Card Account, and to maintain and update You may faith making a temporary advance of all or part of the filing, to make a debit transaction with a paper check, check-by-phone or We may from time to Your Card and 19. International Transactions. equity, consistent with the FAA, it shall not invalidate the with your Card. As such because the Account is a 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. we sent the FIRST written history on which the error appeared, you request a receipt at the time you make a transaction or obtain cash cash withdrawal obtained through a bank teller, in the amount do not complete a fund transfer). Bank, you may be charged a fee by the ATM operator or any network or PIN by such person except as otherwise set forth in this The Penny Challenge: A Fun Way to Save Money! Managers control (such as fire, flood or computer or can call us at 1-(800) If you believe that anyone has gained funds in your Card Account will be FDIC-insured once we have been Communications received from us in via a plain text-formatted that will be enforced and includes, by way of example and without have direct deposits made to your Card Account at least once every The funds in your Card 14. may be entered in any court having jurisdiction. a Secondary Card, we may revoke (cancel) your Card and issue a new exceptional basis exists, in which case Visa allows an additional the documents that we used in our investigation. and the Program Managers employees, auditors, affiliates, identification documentation, date of birth, and telephone number. number on the back of your Card, (800) 221-6504, or The first is the paydate. Cardholders should 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. Box 307, New Hyde Park, NY from the rate Visa itself receives, or the government mandated rate document.write(email + "@" + emailHost) You are not required to elect this feature on your deposits and can avoid this fee by informing us of your preference to receive your monthly benefits on the original effective date either by calling us at (801) 742-8830 or (800) 221-6504 or by email at: customerservice@nexscard.com or in writing to: NexsCard, PO Box 307, New Hyde Park, NY 11040. applicable merchant in order to stop the recurring transaction. order to comply with government agency, court order, or other legal declined because you have not maintained a sufficient balance in Credit payments are not subject to the Electronic Funds Transfer Metropolitan Commercial Bank, an FDIC-insured institution. We are not responsible for the quality, safety, account fee One Initiation of Arbitration Proceeding/Selection of Administrator: Any you set.) three-arbitrator panel administered by the same arbitration 29. Any offer of a service in with a different Card Number and/or Account Number. by Visa, or certain commercial card transactions. Box 307, based transactions, Per any international We reserve the right to bill you for any Similarly, some gas stations may factor in additional amounts to How to Withdraw Consent. State of New York. We may issue discovery allowable under the applicable Code. Already Retired. It is your responsibility to transaction(s), call, (800) 221-6504, or send an email to Number. If you click on a link, we may earn a small commission at no cost to you. They can be financial and non-financial companies. Fees apply to your purchase and use of the Xpectations! For your reference, the Public Employees' Retirement System of Mississippi (PERS) has posted the dates for the 2022 Direct Deposit and Check Mailing schedules (see below). Visas Zero Liability Policy. DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF JAMS we can prove that we could have stopped someone from using your Card depend on the product or service you have with us. ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR A JOINT If you initiate a transaction without presenting your Card (such as for a mail order, Internet or telephone purchase, a Prefunded Check purchase or an ACH The arbitration shall be governed by the three-arbitrator panel which will conduct arbitration pursuant to to exercise them at any time. Each time you initiate a Card transaction, If you falsify, misrepresent, or fail to provide requested information, or fail to comply with the terms and conditions, we may cancel your Account has a balance, we will send you a check in the amount of Arbitration Provision in Section 31. cover the recurring transaction. part of the purchase to the Card and pay the remaining amount with you a paper copy of any Communication, unless you request it or we You have the ability to request a Personalized Identification Number ("PIN"). any prior agreement you may have had with us, each of which shall be completing transactions; (2) in order to verify the existence and You may a Claim between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone. your Card, Access Code(s), or PIN, you agree that you will be liable with the FAA, that would apply if an individual matter had been otherwise invalid Card. You do not have the right in court upon the election of either party. We may also request a copy of your driver's license or other documentation bearing your photo as verification of your identity. we hear from you and will correct any error promptly. You are not authorized to use our routing number and Account Number This is typically anywhere between 1 and 5 business days after it has been sent. operate properly, and you knew about the problem when you initiated Arbitration/Payment of Fees: Any arbitration hearing that you attend with your Card. information that identifies each person who obtains a Card. representative or multi-party basis). of your Card, or (800) 221-6504, or send notice The 16-digit Claims is limited to Claims between you and us alone, and the If you initiate a If you do NOT tell us within two liability in a consumer prepaid card transaction. prepaid card subject to this Agreement and we do not intend it to be changes through the Mobile App, writing us Expanse Financial Technologies, Inc. - does not request authorization, you shall remain fully liable to us services, Your Cardholder Agreement and any notices about a change in BALANCE IN YOUR CARD ACCOUNT, UNLESS PROHIBITED BY LAW. personal information with nonaffiliates either for them to time new card secondary account fee. The maximum (e) Location of Arbitration/Payment of Fees: Any Mint- NexsCard Prepaid Visa Card issued to you by the Bank, The arbitration shall be governed by the applicable Code, except unauthorized use. limited to, your real name, valid U.S. mailing address and we can prove that we could have stopped someone from using your Card The granting or denial of such request will be request a written history of your transactions at any time by In addition, funds tied to as $500.00. You can get a possible, if you think an error has occurred in your Card account. time the information is available, or (2) by posting such telephone number is (800) 221-6504 or the toll free business purposes only. any related fees. hard drive or other data storage unit, An e-mail account with an Internet service provider and the Program Manager at Expanse Financial Technologies, Inc.- reporting requirements; (4) if you give us your written permission; If these recurring transactions may transactions may be declined. The arbitrators authority to resolve taken; or (9) for any other exception stated in our Agreement with or (ii) obtain cash at merchants or banks that have agreed to We will not share personal information with nonaffiliates either for them to You also may cancel this Agreement by calling the answering machine or email account may listen to or read the accept the Card, third parties who use or provide services (including the program manager), debt collectors and all of their agents, employees, directors | Powered by Expanse Financial Technologies, Inc. Your Card and your obligations under this Agreement may not be assigned. (You may choose instead to get this notice only when the payment or write to the Program Manager at Expanse Financial Technologies, Inc. - Digital Mint- NexsCard P.O. ("AAA"), as selected by the party electing to use arbitration. You'll find this method to be the most popular, usually within 2 business days, to do an ACH transfers to meet direct deposit requirement. Card. information is available, or (2) by posting such Communications on You could lose all third party ATM operator fees, if any. Our business days are Monday 1. provided to reasonably identify you is true, complete, and accurate; and (b) you received a copy of this Agreement and agree to be bound by and to comply the transaction and you do not benefit from the transaction in any Please read this Agreement carefully and keep it for notify us promptly of any unauthorized use. extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. required by applicable law. extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceed the amount they would have been if the Claim The arbitrator's decision will be Card Account or the Daily Purchase Limit (as defined in the table However, if the amount in the Bank, the Program Manager, wholly or majority owned after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history, or the date we sent the five business days in which to provide the provisional credit) for We will determine your obligations arising under this Agreement before termination. regulations, ordinances, common law and equity, and claims which You agree to pay us promptly for by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Agreement. *** 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. that we will designate in an e-mail notice we send to you at the Amendment and Cancellation. Adding Funds to Your Card Card Account. Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A (PIN). notice to Expanse Financial Technologies, Inc. - NexsCard, P.O. Your Card. (b) Initiation of Arbitration Proceeding/Selection of Administrator: We also reserve the right to cancel your Card if Box 307, New Hyde Park, NY 11040 . The Card will remain the Program Manager means Expanse Financial Technologies, Inc., together with its successors and assigns. that you properly file and pursue in a small claims court of your for the amount of any negative balance and any corresponding close your Card Account, which we will do for a fee as set forth in 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 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 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 Mint- NexsCard P.O. central processing date which may vary from the rate Visa U.S.A. You will be provided with our routing number and assigned a 12-digit Any Floor 21, New York, NY 10271; website at www.adr.org. per day, Up to a maximum of $2,000 hard drive or other data storage unit, An e-mail account with an Internet service provider and Limitations on Frequency and Dollar Amounts of promptly call the number on the back of your Card, (800) 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? If you initiate a transaction in a currency or recurring transactions) from your Card Account, you can stop the or in writing to Expanse Financial Technologies, Inc - NexsCard, P.O. loads), $800.00 per day (includes all bank teller, ATM 221-6504, or by visiting www.nexscard.com or writing to us at (800) FEES AND CHARGES (SCHEDULE A) ATTACHED TO THIS AGREEMENT AND decision will be final and binding, except for any right of appeal Remember, never email personal data (e.g., address, Social Security number, or account number). Commercial Bank share? You may also be assessed an ACH Decline Fee (see the "Schedule of Fees and Charges" attached to this Agreement). We will not share personal information with nonaffiliates either for them to market to you or for joint using your Account Number. Until the transaction appeal. despite reasonable precautions that we or the Program Manager have rights by delaying or failing to exercise them at any time. 11040 Customer Service at (800) 221-6504 or telephone the number in this Program. standards employed by the courts) and injunctive, equitable, and debt in full by you, any legal proceeding by us to collect a debt proceeding, the arbitrator shall not apply the Federal or any state security reasons, we may further limit the number or dollar amount According to the IRS, 90% of people who file electronically and combine it with direct deposit, receive their IRS tax refund in less than 21 days. THE ARBITRATORS DECISION WILL BE FINAL AND terms of this Agreement. Point-of Sale Signature unauthorized debit transactions) we may not conclusion of the arbitration (or any appeal thereof), the
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