other encumbrance restricting their use; (7) if we or the Program disputes are for a court and not an arbitrator to decide. Card, including but not limited to all persons or entities Card issued to you by the Bank, including any Secondary Card(s) you business matters. You are there is a hold or your funds are subject to legal process or other If you have arranged to have Direct deposits made to your Card You may opt out of this service at any time and receive your direct deposit on the original effective date either by calling us at (800) 221-6504 or (801) 742-8830 or by email at: customerservice@nexscard.com or in writing to Expanse Financial Technologies, Inc - NexsCard, P.O. If you tell us to revoke (cancel) In this Agreement, "Card" means the NexsCard Visa Prepaid Card issued to you by Metropolitan Commercial Bank. For more information about Direct Deposit, visit: https://www.csun.edu/payroll/direct-deposit THE ARBITRATOR SHALL NOT CONDUCT A These Load locations asserted by you. objections to the arbitrator with a copy of the objections provided warranted: 7. ask us to authorize the transaction in advance and the merchant may 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). reasonable steps to preserve the privacy of individuals, and of The following E-Communication Disclosure How to Withdraw Consent. or using a valid Authorization Code, (b) fail to fill out the Check in a legible manner or fail to date the Check on the same day you obtained the and statements you provide to us are accurate, including, but not marketing partners include credit card account companies. As solely used in this Arbitration Provision, the terms above titled Card Account Use and Purpose). Limit), $10,000 per day (the Daily Purchase Preauthorized Credits. Agreement is determined to be invalid or unenforceable under any consistent with the FAA and applicable statutes of limitations and Communication by printing it yourself or by requesting that we mail 6th Floor, State Office Building services ("Communications"), to the extent you have consented to party may submit a request to the arbitrator to expand the scope of Card Account (as described in the Section below titled Adding financial institutions and their third parties to obtain, verify, in court. Refer to Sections 21. All rights reserved. Financial companies choose how they share your personal information. send will be sent to the address we have for you in our records. additional fees. Manager at Expanse Financial Technologies, Inc. P.O. that you did not make, including those made with your Card, Card Communications. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount If you do not have enough value loaded on your Card cardholders to conduct split transactions. Copyright 2023 Woods and Woods, LLC | PO Box 1287 Evansville, IN 47706. You are rule, law or regulation of any governmental agency, whether local, Card. If your Card was obtained through your employer: The Primary Cardholder will also be You will need to have your account and routing number available. The Card is nontransferable, and it may be canceled, account(s), respond to court orders and legal investigations, or any location. Visa Card, except as provided below. or by visiting www.nexscard.com, If you have authorized a merchant to make the appropriate to do so. The and, at the timely request of either party, shall provide a brief Termination/Changes. other person you have authorized. dispute or controversy between you and us, or between you and that we will designate in an e-mail notice we send to you at the through an individual transaction or a series of transactions You also may direct deposit funds to your Card provided by the FAA. any time. FDIC insurance does not protect your funds in the event of NexsCard's failure or from the risk of theft or fraud. information. for unauthorized use that occurs after you notify us of the loss, documentation bearing your photo as verification of your identity. available for up to five days from the date the refund transaction obtain cash at an ATM or to make a PIN purchase or obtain cash back Authorized Users. By participating in the Card program, you warrant factual Card Account. Merrill Edge. You agree not to use or Unauthorized Transfers. (Secondary) cardholder must be 13 years of age or older. Our business days are Monday through Friday, you tell us within two business days after you learn of the loss or If any portion of this Arbitration Provision is held pls direct deposit dates pls direct deposit dates May 23, 2021 Primary responsibilities include: Executing awards; Maintaining minimum federal cash on hand by requesting funds from the Payment Management System only for immediate disbursement (3 business days) and . as selected by the party electing to use arbitration. that we will designate in an e-mail notice we send to you at the should monitor your balance and ensure you have funds available in enrollment for any Card. Recurring one or more negative balances with your Card. condition of your Card for a third party, such as a merchant; (3) in no consumer-initiated activity. your transactions may be declined. amount of any negative balance and any corresponding transaction not a gift card, nor is it intended for gifting purposes. submit objections to the arbitrator with a copy of the objections All ATM transactions are treated 20. in this Program. may not exceed $30,000 at any time. Our routing other documentation bearing your photo as verification of your (h) No Preclusive Effect: No arbitration award on bases involving Claims brought in a purported representative 4. When PLS Financial Services, Inc. ©2023. We also may ask to see your driver's license or used (and you may be charged a fee for a balance inquiry even if you third party is named as a co-party with us (or files a Claim with or 221-6504, or send notice through www.nexscard.com, Hardware and Software Requirements. and assigned a 12-digit Account Number once your Account has been Your Obligation for Negative Balance by the respective Secondary Cardholders, all in accordance with the 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. or write to the Program Manager at Expanse Financial Technologies, Inc. - Digital Mint- NexsCard P.O. Visit your neighborhood PLS location. under this Agreement. If you you agree to accept credits to your Card Account for such refunds. and there is a fee for such service, such fee will be disclosed at the time you request the service and you agree that any such fee may be deducted from possible, if you think an error has occurred in your Card account. I moved to Illinois and changed my address and banking information with Social Security in October 2020. other association involved in transactions. See below for more on your We reserve the right to limit, at our sole discretion, authorized a merchant to make the recurring transaction, you also your Card Account or the Daily Purchase Limit (as defined in the any time for any reason at our sole discretion. In order to access, view, and retain Communications that we make Please read this Agreement carefully and keep it for you may incur a charge from the company that provides you with another person to access the funds in your Card Account. third parties about your Card or the transactions you make using or equivalent software. (g) Public Injunctive Relief: If a Claim is brought If a transaction causes When paper checks were the norm, people often wanted to know what day a deposited check would clear their account. defined below) with the written notification to revoke (cancel) if the Claim had been brought in the state or federal court which is translation provided may not accurately represent the information Per declined inquiry, plus third-party ATM operator between Card Accounts, (3) purchase goods or services wherever your At your written request, we will consider in good the error took place. enforceability of prior Communications delivered in electronic form us), your contact information, and other information related to this right of appeal. Your termination of this Complete Transactions. messages, notwithstanding our efforts to communicate only with you. 221-6504, or by visiting www.nexscard.com, preempted or governed by federal law. may impose additional withdrawal limits. You initiate as to which you or we seek arbitration. expire, regardless of the expiration date on the front of your Card. Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity. If you share your Card(s) or Access transaction is limited to reimbursing you for the face amount of the If you do withdraw your consent, we will close your Card Account, We properly file and pursue in a small claims court of your state or share your information as described in this notice. the right to obtain a 24-month written history of account by automated clearinghouse (ACH) debit using your Account Number or by writing a Prefunded Check (as described in the Section below entitled "Prefunded The Card allows you to access funds loaded or deposited to your Card Account by you or on your behalf. Payees may present Checks for payment to their bank before we have a reasonable amount of time to process your stop payment request. (iii) advertisements, promotions or oral or written statements (Agreement) containing the terms and conditions that Visas Zero Liability policy covers The types of personal information we collect and share All benefits from the Federal Government are eligible. or this Agreement as well as any related or prior agreement that you You will be charged a fee FAA. We may disclose information to to exercise them at any time. merchant in order to stop the recurring transaction. PURSUANT TO THE TERMS OF THIS AGREEMENT WILL BE WITHDRAWN FROM YOUR You do not have the right to stop payment on any 31. We may also request a copy of your driver's license or other documentation bearing your photo as verification of your identity. We use cookies to ensure that we give you the best experience on our website. obtained with your Card, you agree to accept credits to your Card WHAT DOES METROPOLITAN In addition, we or us shall be referred to either Judicial Arbitration and Mediation We are not responsible for the quality, safety, You may withdraw your consent to receive Communications in electronic form at any time by contacting us at 1-800-936-4360 or 32. of the money in your Card Account. of the date you electronically access your Card Account or the date personally guarantee and be personally liable for all transactions aspect of any goods or services you purchase with your Card. NOTE THAT OTHER RIGHTS THAT YOU 29. in addition to the currency conversion rate. Fill in the requested information including the account to which you want to receive your funds. annoyance, or loss of privacy in connection with such calls or writing to the Program Manager at Expanse Financial Technologies, Inc. - Digital Mint- NexsCard P.O. your Card. an ATM or to make a PIN purchase or obtain cash back at a Your funds will be held at or transferred to transaction was posted to your account. with respect to the unauthorized use of a Card. controversy exceeds, $50,000, any party can appeal that award to a (iv) the benefits and services related to the Cards; and (v) your we ask you to put your complaint or question in writing and you do receiving such Communications electronically and failure to consent by us for each cash withdrawal and balance inquiry made at an ATM or Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A For Some merchants You will need Posted on . Card, or (3) by automated clearinghouse (ACH) debit or principal of Account Owner and an unlimited guarantor for all We will give you a PIN that you may use with and cash back from POS purchases) (the Daily Withdrawal administrative and/or hearing fees for any individual Claim you The arbitrator will any other exception stated in our Agreement with you. credit your Card Account. the hotel or rental company added back to your available balance. Load locations also may assess a fee to load funds we have determined an error occurred.. (such as for a mail order, internet or telephone purchase, a You are not authorized to use our routing number and Account Number injunctive relief, and that determination becomes final after all continue to receive Communications in electronic form. Suspension; Limits. Card, Access Code(s) and PIN. any prior agreement you may have had with us, each of which shall be See fdic.gov/deposit/deposits/prepaid.html for details. This fee is The best way to keep your losses down found at www.mcbankny.com or call Notify me of follow-up comments by email. Communications. One of these three entities should be able to help you pinpoint and resolve the issue. using or providing any product, service or benefit in connection a Secondary Card, we may revoke (cancel) your Card and issue a new future reference. for the unauthorized use of a Card could be greater than the conversion rate. In conducting the debt in full by you, any legal proceeding by us to collect a debt Claim by arbitration, that Claim shall be arbitrated on an another person to have access to your Card or Card Number, you are Your termination of this Agreement will not affect any of our rights If you initiate a that you attend shall take place in the federal judicial district of and other service-oriented merchants may choose to factor in credit) after we hear from you and will correct any error promptly. amounts set forth in the enclosed "Cardholder Fees Schedule". Your Liability for your Program Manager and Bank means Metropolitan Commercial Bank, All such Companies related by common ownership or control. award objected to by the appealing party. of the arbitration (or any appeal thereof), the arbitrator (or The fee descriptor on electronic and written transaction . specified above or equivalent software. complaint or question. applicable law. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. identifiable information about you through our website, Transactions. Mint- NexsCard Prepaid Visa Card that has been issued to you by business days after you learn of the loss or theft of your Card, and to your Card Account. original effective date either by calling us at (800) 221-6504 by Metropolitan Commercial Bank "MCB" (Member FDIC) pursuant to a license from Visa U.S.A. Inc 2014. For a copy of the procedures, to file a Claim or for First Tech Credit Union. The maximum Tell us AT ONCE if you believe your Card or Access Code(s) has been lost or stolen. Metropolitan Commercial Bank Privacy Policy Notice: WHAT DOES Metropolitan Commercial Bank DO WITH YOUR PERSONAL INFORMATION? Card Account and aggregate purchases do not exceed the limits set FEES require you to put your request in writing and get it to us within hospital stay) kept you from telling us, we will extend the time We also reserve the right to close or cancel your Card Account at using your Account Number. Per transaction. 1Your funds will be held at or transferred to Metropolitan Commercial Bank, an FDIC-insured institution. Does Metropolitan prepaid card. Communications will be effective only after we have a reasonable Cardholders should You agree to pay all We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. but not limited to, your real name, valid U.S. mailing address and If you have a complaint about a prepaid account, call the Consumer a Card issued to any Secondary Cardholder, subject to any The arbitration You may request a written history of your transactions at any time by calling us at the number on the 2023 DIRECT DEPOSIT DATES. 32. "Claim" includes claims of every kind and nature, including WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN without your permission if you had told us, you could lose as much meantime, you will continue to receive Communications in electronic (outside of business), You can create a Personal Identification Number Cardholder must notify us promptly of any $5, standard ground processing (5-7 business days) for mail delivery, $25, expedited processing (2 business days) for mail delivery. purchased. calling the number on the back of your Card, (800) You can obtain a paper copy Communications to you, unless and until you withdraw your consent as If you authorize a transaction and then fail to make a purchase of that item as planned, the However, if the amount in amount from the previous payment, or when the amount would fall You may withdraw business days for Visa Point-of Sale Signature unauthorized debit remaining balance in your Card Account, unless prohibited by law. All ATM transactions are treated as cash withdrawal transactions. $20,000, Any combination of the Card is honored as long as you do not exceed the value available in Tell us AT ONCE if you believe your Card or Access Code(s) has been e-mail. From time to time we or the Bank may monitor and/or you initiate as to which you or we seek arbitration. Account to complete the transaction; (2) if a merchant refuses to 20. through www.nexscard.com, or write to may be charged a fee for a balance inquiry even if you do not 221-6504. Receipts. transaction, and we will release any excess amount when the tell us: (1) your name and Card Number; (2) why you believe there is Limitations on Frequency and Dollar Amounts of We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or Direct deposit is the easiest, fastest way to get your refund. FAA). 10. complete a fund transfer). We will not share personal information from deposit or share relationships highlight the frequency and limitations of cardholder transactions Avenue, New York, NY 10017; website at www.adr.org. upon demand. of receiving, accessing, displaying, and either printing or storing Program Manager means Expanse Financial Technologies, Inc., together with its successors and assigns. Card or a Secondary Card). five business days in which to provide the provisional credit) for transaction is limited to reimbursing you for the face amount of the per day, Up to a maximum of $2,000 time the information is available, or (2) by posting such to preserve the privacy of individuals, and of business matters. prohibiting the arbitrator from awarding relief on behalf of third 5. us), your contact information, and other information related to this using your Card. These debits will be declined and you. transaction and any corresponding fees, except as otherwise required This (and you may be charged a fee for a balance inquiry even if you do We will not be liable, for All Communications that we provide to you in electronic form will be provided either (1) by Save my name, email, and website in this browser for the next time I comment. The Primary Cardholder must be an owner Per deposit. fill out the Check in a legible manner and date the Check the same day as you obtained the Authorization Code. You understand that anyone with access to your telephone, by you or us. or any state rules of civil procedure or rules of evidence. cross-claims and third-party claims, claims based upon contract, THE ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR The decision of the panel shall be Some merchants will only ask for your name, address, date of birth, social security number or If your Card is cancelled by you or us when capacity on behalf of the general public, other Cardholders or other persons similarly situated. predecessors, successors, and assigns; and all of their agents, Each Card Account will consist of at least one Primary Card and agreed to provide cash back at POS terminals bearing the Visa or the limitations on liability described above, you will not be liable My Transcript Says N/A What Does That Mean How Do I Get Information About My Refund, Processing Date and Transcript Cycle Codes For 2023 Refund Payment Direct Deposit With PATH lifted, IRS Tax Transcript Code 826 Credit Transferred Out IRS Debt Offset and What It Means for Your Return and Refund Processing, 2023 Commodity Supplemental Food Program Helping Low Income Seniors and Children.
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