You always find the most recent version of this Agreement in the Majority Mobile Application (App) and on https://www.majority.com (Website). 28. About Your Card and this Cardholder Agreement. Make sure a separate user account is created for each employee and require strong passwords. These are called split transactions. Some merchants do not allow cardholders to conduct split transactions. (419) 756-2449. To activate your Card, follow the steps and instructions for activation in the App. Malware (malicious software) is an umbrella term that refers to software intentionally designed to cause damage to a computer, server, client, or computer network. The Card remains the property of the Bank and must be surrendered upon demand. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Transaction limits point-of-sale. Sutton Bank review: Vanilla visa debit card. Free ATM withdrawals if you set up direct . For the avoidance of doubt, the use of your Virtual Card will have the same legal effect as when you use your Plastic Card. We will attempt to communicate with you only by use of the most recent contact information you have provided to us. To protect the use of your Card, you are required to set a personal identification number (PIN). with your Visa Commercial card. Any funds withdrawn from an ATM or POS device are subject to the following transaction limits (in addition to any other restrictions or limitations set out in this Agreement). Sutton Bank does not provide customer service for the Georgia Cash Assistance Program. Consider its appropriateness to these factors before acting on it. All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made finally and exclusively by the arbitrator. If your Card is declined at a pay at the pump gas station even though you have sufficient funds available, you should pay for your purchase inside with the cashier. Yet many businesses cant afford professional IT solutions, have limited time to devote to cybersecurity, or they dont know where to begin. Reporting (and deactivating) a lost or stolen Card can also be made via the App. Sutton Bank offers a range of solutions to support BNPL capabilities for its clients to support growing demand for BNPL products: Streamlined Merchant Settlement: Use existing Visa rails to settle purchases made on a BNPL provider, leveraging transactions on one-time use virtual cards. Once we receive the final transaction amount, it may take up to seven (7) days for the hold to be removed. FCC Planning ToolThe Federal Communications Commission offers acybersecurity planning toolto help you build a strategy based on your unique business needs. Making cyber security everyones responsibility is extremely important, therefore you should include management and IT in your education program, as well as have regular cyber security sessions, and of course create specific rules for email, internet browsing, social networks, and mobile devices. BEC attacks have a high success rate not because they are so technologically sophisticated, but because they are exploiting human vulnerabilities, like a response to authority, schedule, or even tiredness. Full details are available on request. *When consolidating purchase volume processed through Marqetas platform in 2019. When you notify us about an error we may require that you complete our error/dispute form which you need to complete in writing and provide to us within the (10) business days. Our Privacy Statementexplains how we use cookies. There is no fee for this service. 55 day interest-free period on all purchases. You may reject this Arbitration provision by sending a written rejection notice to us at: support@majority.com. This Agreement does not replace, but supplements the Majority Terms of Service (available in the App), however in case of any inconsistency between the Majority Terms of Service and this Agreement, this Agreement shall govern and control your use of the Card and Card Account and otherwise your relationship with Sutton Bank. Preauthorized transfers will not be allowed. EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE CARD OR RELATING TO OR ARISING OUT OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Finally, BackOffice.Co Inc. . The attackers pretend to be suppliers requesting fund transfers for payments to an account owned by fraudsters. $0. Perfect for All Occasions. Any organization requires effective communication. Our 5-star customer service team is here to answer any questions you may have. When you use your Card or Card number to initiate a transaction at certain merchant locations, such as hotels, restaurants, gas stations, and rental car companies, where the final purchase amount is unknown at the time of authorization, a hold may be placed on the available funds in your Card Account for an amount equal to or in excess of the final transaction amount. You agree to present your Card and meet identification requirements to complete load transactions as may be required from time to time. Instantly issue & process card payments with our open API platform. Assignment; Applicable Law; Severability. Received a Holiday Cheer Gift card for $100.00. If you seek to withdraw cash from a merchant POS device, please note that each merchant may establish limits as to how much cash may be obtained from a POS device at a single time or through a single location. Gonczi called Sutton Bank to investigate. If you conduct a transaction in a currency other than U.S. dollars, the merchant, the Card Network or other entity that processes the transaction may convert any related debit or credit into U.S. dollars in accordance with its then-current policies. You may obtain information about the current amount of money you have remaining in your Card Account by calling 1-855-553-3388. The Revenued Business Card Visa Commercial Card is powered by Marqeta. MasterCard and Visa currently use a conversion rate that is either: (a) selected from a range of rates available in the wholesale currency markets (note: this rate may be different form the rate the association itself receives), or (b) the government-mandated rate. If you arrange to have funds transferred directly to your Card Account from a third party through an ACH load, you must enroll with the third party by providing the bank routing number and direct deposit account number that we provide you. They use a variety of tools including phishing emails, compromised legitimate websites, fake friend requests on social sites, and malware to obtain your bank logon credentials. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. Access the toolkit here. This Sutton Bank Cardholder Agreement (" Agreement ") constitutes the agreement between you, and Sutton Bank Attica, Ohio (" Sutton Bank " or " Issuer "), a FDIC insured member institution, outlining . Vanilla Visa Gift Cards are issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Cards may be used in the U.S. and District of Columbia everywhere Visa debit cards are accepted. We will not be liable, for instance: If through no fault of ours, you do not have enough funds available on your Card to complete the transaction; If a merchant refuses to accept your card; If an ATM where you are making cash withdrawal does not have enough cash; If, when you initiated the transaction, an electronic terminal, the system, ATM, or point-of-sale terminal was not operating correctly, and you knew about the problem when you initiated the transaction; If access to your card has been blocked after you reported your Card lost or stolen; If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use; If we have reason to believe the requested transaction is unauthorized; If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions we have taken; or. Use strong passwordsUsing strong passwords is an easy way to improve your cybersecurity. Our commercial card is compatible with most Expense Management System providers in the market place where we are able to send enhanced data (dependent on travel management company enablement). This Agreement will be governed by the laws of the State of Ohio except to the extent governed by federal law, without regard to any conflicts of law provisions that provide for the application of the law of another jurisdiction. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account. In case of errors or questions about your electronic transactions or Card Account, contact us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. . The Troubleshooters have received reports from other consumers in the Delaware Valley about Cash App cards issued by Sutton Bank. Additional Contact Information. Buy Now, Pay Later. Our open API platform allows businesses to instantly issue cards and process payments. You Should also make sure to update your security software regularly and keep a backup of your data. For further information please go to Expense . You will receive a weekly report for your action. Phone Numbers. Supply Chain Risk Management. The maximum balance allowed on your Card is $10,000. This means that the innate human tendency to be a social creature is what will be exploited here. Skip to main content . After the code is run, your computer may become infected with malware. You may use your Card to make purchases at any merchant that accepts Visa debit cards, subject to your available Card Account balance and the other terms and conditions of this Agreement and the Majority Terms of Service. An ideal card for easy and efficient business purchases. Already a Revenued cardholder? Hockerty . The Card will have an expiration date and the Card will expire, in accordance with applicable law, on the expiration date. You will be required to provide personal information which may include your Card number, full name, transaction history, copies of accepted identification and other information necessary to verify your identity. You must surrender a revoked Card and you may not use an expired or revoked Card. Lets talk about your use case and how we can help. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer. You agree to sign the back of the Card immediately upon receipt. You hereby agree to accept all legally required notices by electronic means including publications made within the App or on the Website. If you are entitled to a refund for any reason for goods or services obtained with your Card, the return and refund will be handled by the merchant. $4.95 Purchase Fee. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. . Upgrade Visa Card with Cash Rewards. No cash or ATM access. The PIN must be used on all automated teller machine (ATM) transactions and PIN transactions. Banco Nacional Ultramarino, S.A. (Mastercard and UnionPay debit cards, Visa and UnionPay credit cards) . This Privacy Policy also tells how you can (i) limit the ways we share, or (ii) request corrections to the information we maintain about you. State-chartered Sutton Bank, which operates eight branches in four counties in Ohio, has issued 11 million Visa, Mastercard, and Discover payment card accounts. | The Revenued Business Card is a purchase of future receivables and not a loan. - Review Transaction History. Macao . A strong password includes: Multifactor authenticationMultifactor authentication requires additional information (e.g., a security code sent to your phone) to log in. There are cases when attackers are pretending to be a lawyer or someone from a law firm that is supposedly in charge of crucial and confidential data. The applicable exchange rate will be selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate. For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. You agree that we will not be responsible for temporary interruptions in service due to maintenance, App or Website changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts. All credit decisions are made by Backoffice.co, Inc DBA finally. Additional information and applicable terms and conditions will be provided to you in the App and at the Website. This Agreement is revised periodically, so it may include changes from earlier versions. A cybersecurity risk assessment can identify where a business is vulnerable, and help you create a plan of actionwhich should include user training, guidance on securing email platforms, and advice on protecting the businesss information assets. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions made with your Card. For better lifestyles. Why you believe there is an error, and the dollar amount involved, 3. To find out if the Commercial Card program is right for your business, or to explore our other payment solutions, please speak with a Payment, Cash Management & Deposits Specialist today. We further reserve the right to offset any negative balance by any current or future funds you may load to or maintain in your Card Account or funds in any other Card Account you maintain with us now or in the future. The Revenued Business Card Visa Commercial Card is powered by Marqeta. See how Square uses Marqeta. The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. "There is a card number . There are also maximum load restrictions we may place on your Card when aggregated with any other Cards you have. Besides no annual fees, this card also doesn't come with any activation or maintenance fees, making it a perfect cost-effective . To initiate a signature transaction at the point of sale, select Credit and sign the receipt (if required by the merchant). An extremely important step an organization must take in safeguarding against BEC is to provide employees with adequate cybersecurity training. Please contact your product specialist for further information. Get 15% off on individual courses at edX, only with your Visa card. You are responsible for notifying us of any change in your name, physical address, mailing address, email address, or phone number. Discover key concepts of the Marqeta platform with hands on tutorials, Issue cards, fund accounts, manage payments, and more, View filterable, curated production data and personalized insights, Explore our endpoints, make API requests, and quickly prototype your product. 1-16. Secure payment processingWork with your banks or card processors to ensure the most trusted and validated tools and anti-fraud services are being used. Combine the flexibility of a credit card with the predictability of a personal loan. Westpac purchasing card. 7. Any references to days found in this Agreement are calendar days unless indicated otherwise. Making you successful is our priority. The Card is our property and is nontransferable. The employees are targeted in order to obtain personally identifiable information (PII) or tax statements of employees and executives, important data that can be used in future attacks. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). Regular APR. We will not charge you a fee to use your Card at any ATM owned by us (currently ATMs pertaining to the Interlink, Pulse and Plus networks), however, operators of other ATMs and cash dispensing devices, their networks, and merchants may charge you a fee. Balance Transfer Fee. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. A Better Way to Bank. Having at least basic email security in place and two-factor authentication is a must. ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. The conversion rate may be different from the rate in effect on the date of your transaction and date it is posted to your account. Total credit lines from $500 to $25,000. Activating Your Card: You must activate your Card before it can be used. This type of scam usually targets employees from the HR and bookkeeping departments. Most are the reloadable type. or Sutton Bank, Members FDIC. . This information, along with a 12-month history of the Card Account Transactions, is also available via the MAJORITY App. The arbitrators award will be binding and final. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. Customer Service Number: 1 (855)-553 3388. All rights reserved. The Upgrade Visa Card with Cash Rewards comes with an annual fee of $0 and an 8.99%-29.99% regular APR. Similar to logging in online, the app will usually provide you with a home screen once you . You agree to retain, verify, and reconcile your transactions and receipts. Isolate payment systems from other, less secure programs and do not use the same computer to process payments and surf the Internet. All funds associated with the Card shall be held in an account with the Issuer, with the balance of such funds to be reduced through your use of such funds or through the imposition of fees and other charges in accordance with the terms and conditions of this Agreement. Find out more. The fastest and easiest way to minimize your possible losses is to report this/deactivate your Card by using the App, otherwise you may always contact us via our Customer Service by phone 1 (855) 553-3388. Best Practices. MoneyIQ Financial Literacy and Education Center, Protecting sensitive customer and vendor information. This arbitration provision shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. 14.99% - 29.99%. 32. These types of transactions include (i) ATM transactions, and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa. It may take up to thirty (30) days to process a request for a replacement Card although we will endeavor to provide you with a replacement Card on as timely a basis as is reasonable under the circumstances. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. A card that can help drive process efficiencies and improve control over procurement spend. TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOUR RECOVERY FOR ANY ALLEGED NEGLIGENCE OR MISCONDUCT BY US SHALL BE LIMITED TO THE TOTAL AMOUNT LOADED ON THE CARD. Here are a few things we've learned. See our Rewards Terms and Conditions for Cash Back and the Welcome Bonus for details. $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions **. Save 12% on all purchases when you pay with a valid Visa card. The Department of Homeland Securitys"Stop.Think.Connect" campaignoffers training and other materials. Bank of America normally charges a $5 ATM fee. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation. The Card will remain the property of the Issuer and must be surrendered upon demand. Yes, you can add your own logo or create a custom credit card with the background image of your choice. Any funds withdrawn from a POS device or through a participating bank will be subject to the maximum amount that can be spent on your Card per day. Managers should bear in mind that hackers dont just break into the IT department by sheer force; they look for weaknesses. Keep record of your account in case your Card is lost, stolen, or destroyed. What this means for you: when you apply for a Card, we will ask for your name, address, date of birth, and other information that will allow us to identify you. For existing companies, the Tribal account opening process is 100% digital and the application process typically takes less than 10 minutes. We may offer additional products, features and services to you in connection with your Card, such as SMS text message and e-mail alerts, mobile account services, bill payment services, a loyalty program, and other services. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Fraudulent or Criminal Card Account Activity. Use theSupply Chain Risk Management Toolkitto help shield your business information and communications technology from sophisticated supply chain attacks. No one else may sign the rejection notice. 37. We will reject any loads that exceed the maximum balance allowed on your Card. The card is designed for people with fair, good, and excellent credit. The Visa Gift Card can be used everywhere Visa debit cards are accepted in the US. You are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein. You may reject the arbitration provision by sending us written notice within 45 days after your first card purchase. Card Protection. Cyber-attacks are constantly evolving, but business owners should at least be aware of the most common types. To the extent permitted by applicable law, we may cancel or suspend your Card, your Card Account, or this Agreement immediately, for any reason, and without notice to you. IN ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY. Those types of cards are issued by two parties: a bank and a non-financial entity ( for example a retail merchant). See our Rewards Terms and Conditions for, Best Business Credit Cards Comparison Tool. You should not write or keep your PIN with your Card. If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. 1. We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. You agree to pay us promptly for the negative balance. Please read this Agreement carefully and keep it for future reference. For reporting (and deactivating) a lost or stolen Card you can dial the Customer Service Number twenty-four (24) hours a day, seven (7) days a week. Fast, free, and easy-to-use debit card; Select from a variety of fantastic debit card rewards through My Sutton Rewards; Safer than carrying cash; More convenient and safer than checks; Eliminate cost of purchasing checks; Make purchases anywhere Visa is accepted; 24/7 access to funds via ATMs free at Sutton branches WE WILL NOT BE LIABLE TO YOU FOR: DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; THE FAILURE OF MERCHANTS TO HONOR THE CARD; THE FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES; COMMUNICATION SYSTEM FAILURES; OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, OR ANY PAYMENT SYSTEM. Upon notification to us that your Card may have been lost or stolen or there may be unauthorized transactions from you Card Account we will cancel you Card (both your Virtual and Plastic Card) and close your Card Account. Rellevate handles all customer service for the program. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. The Card is issued by the Bank. The Plastic Card is valid through the expiration date identified on the front of the Plastic Card and the Virtual Card is valid through the expiration date identified on the front of the Virtual Card and in the App, except where prohibited or modified by applicable law. issuer name / bank card brand card type card level; 425755: united states: sutton bank : visa debit prepaid 450812: united states: sutton bank : visa debit prepaid 452283: united states: sutton bank : visa credit classic 470199: united states: sutton bank : visa debit prepaid 472001: united states: sutton bank : visa debit business 479146 . Featured. Accounting: You can create merchant rules . Alexandra Barring, Banking Moderator . The Card may only be used for personal, family or household purposes, and we may cancel your Card if we determine that it is being used for commercial purposes. On-demand services. After your Card Account is opened, we may ask again to see a copy of your drivers license or other identifying documents at any time if we deem is necessary to verify your identity, address, or transactions on your Card Account. Such software is readily available online from a variety of vendors. Any transaction that could create a negative balance for your Card Account is not permitted. Online: To use the virtual card online, shoppers simply need to enter their card details at checkout just like they would any other debit or credit card. Crypto cards. Target Market Determinations for the products are available. 1. * Rewards offers are subject to approval. In connection to these actions, we may need certain information from you, such as your full name, Card number and transaction history details. Transactions in Foreign Currencies. Cyber Resilience ReviewThe Department of Homeland Securitys (DHS)Cyber Resilience Review (CRR)is a non-technical assessment to evaluate operational resilience and cybersecurity practices.
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