sutton bank visa commercial card

If we exercise this right, we will incur no liability to you because of any resulting unavailability of the funds in your Card Account or your inability to use your Card. Any different agreement regarding arbitration must be agreed to in writing. If you do not agree to the terms and conditions contained in this Agreement, do not activate or use the Card and contact Customer Service to cancel your Card. SUTTON BANK PREPAID RULE LONG FORM DISCLOSURE. You can manage your preferences. You agree that any notice or communication sent to you at an address noted in our records shall be effective unless we have received an address change notice from you. 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). The Revenued Business Card Visa Commercial Card is powered by Marqeta. 20192023 MAJORITY USA, LLC. The Card is not a device that accesses money in an individual checking or savings account. You are responsible for all authorized transactions initiated and fees incurred by the use of your Card. 1. Amendment, Suspension and Cancellation. If you make a purchase using your Card in a currency other than in U.S. dollars, the amount deducted from the available funds in the Card Account will be converted by Visa into U.S. dollars. 3. Although considerable effort is expended to make the App and Website and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free every minute of the day. The Cancellation will not affect any of our rights or your obligations arising under this Agreement before the Card was cancelled. 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 Visa Gift Card can be used everywhere Visa debit cards are accepted in the US. 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. FEDERAL PAYMENTS: THE ONLY FEDERAL PAYMENTS THAT MAY BE LOADED TO YOUR CARD ACCOUNT VIA A DIRECT DEPOSIT ARE FEDERAL PAYMENTS FOR THE BENEFIT OF THE PRIMARY CARDHOLDER. a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The arbitrators award will be binding and final. You Should also make sure to update your security software regularly and keep a backup of your data. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION (ARBITRATION SECTION) REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION. Cyber-attacks are constantly evolving, but business owners should at least be aware of the most common types. No cash or ATM access. Hockerty . The Card is not a gift card. All Cards are issued by Sutton Bank and distributed and serviced by Telos Gifting, LLC, which may be contacted by phone at 866-353-4237 or by mail at 495 Mansfield Avenue, Pittsburgh, PA 15205. . The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. You and we will have every remedy available in arbitration as you and we would have from a court and will be entitled to reasonable discovery. 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. You will not be able to use your Card after the valid through date; however, you may request a replacement Card by following the procedures in the paragraph labeled Card Replacement. The new Card will have a value equal to the remaining balance of the expired Card. For mail order, telephone, Internet or other card-not-present purchases, merchants may choose to route a transaction as a PIN transaction without asking you to enter your PIN. Making you successful is our priority. Score Some Rewards. In addition to the above, for security purposes we reserve the right to, in our sole discretion, impose additional limit to your use of your Card at ATMs or POS devices. After diligently researching his targets for some time, the attacker will develop a few scam scenarios that might work. 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. Sumissura . Target Market Determinations for the products are available. We may also ask to see a copy of your drivers license or other identifying documents. You hereby agree to accept all legally required notices by electronic means including publications made within the App or on the Website. You are required to notify us immediately if you believe the Card is lost or stolen. or Sutton Bank, Members FDIC, pursuant to a license from Visa U.S.A. Inc. ***Transactions may be subject to limitations under applicable law, including the Bank Secrecy Act and anti-money laundering laws. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. This means that you may need to visit more than one merchant if you are seeking to withdraw cash in an amount which is less than or equal to the total limit above, but more than the limit established by the individual merchant. FCC Planning ToolThe Federal Communications Commission offers acybersecurity planning toolto help you build a strategy based on your unique business needs. 10. This information does not take your personal objectives, circumstances or needs into account. The funds associated with the Card do not expire. Start by learning about common cyber threats, understanding where your business is vulnerable, and taking steps to improve your cybersecurity. We remind you that the offering and provision of the Card and the related services set out in this Agreement are conditioned upon that you are an existing customer of Majority USA, LLC and permitted by Majority USA, LLC or otherwise eligible to acquire services under the Majority Terms of Service. Co-Branded Credit cards allow large businesses such as retail chains, hotels or airlines to offer special discounts, cashbacks . 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. In-store: To use the virtual card in-store, shoppers need to add the card to their Apple or Google wallet, then pay using Apple or Google Pay at the payment terminal. We may disclose information to third parties about you, your Card, or the transactions you make: Where it is necessary or helpful for completing transactions; In order to verify the existence and condition of your Card for a third party, such as a merchant; In order to comply with government agency, court order, or other legal or administrative reporting requirements; If you consent by giving us your written permission; To our employees, auditors, affiliates, service providers, or attorneys as needed; In order to prevent, investigate or report possible illegal activity; In order to issue authorizations for transactions on the Card; Otherwise as necessary to fulfill our obligation under this Agreement; Please see our Privacy Policy, available at https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf for further details. In addition to the currency conversion charge, we will impose a charge equal to 3% of the transaction amount (including credits and reversals) for each transaction (U.S. or foreign currency) that you conduct at merchants (including foreign websites) outside the United States. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card. 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 obtains a Card. 37. Transactions Not Routed Through the Visa System: Unauthorized transactions that are not routed through Visa are not protected by the Visa Zero Liability Protection policy. 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. Westpac purchasing card. 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. Limitation of Liability and Indemnification. We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. . 28. Employees should be aware of the risks and implications that these attacks hold, as well as how to spot scams and properly respond to an incident of this sort. with your Visa Commercial card. 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. 12. These are called split transactions. Some merchants do not allow cardholders to conduct split transactions. If you do not have enough funds available in your Card Account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or using another payment method. About Your Card and this Cardholder Agreement. Sutton Bank review: Vanilla visa debit card. Leverage existing relationships with issuing banks, networks, and card fulfillment providers to go live in days not months. The Revenued Business Card Visa Commercial Card is powered by Marqeta. Card Account Balance/Transaction History/Cardholder Agreement. Having at least basic email security in place and two-factor authentication is a must. 7. We, us, and our mean the Issuer and its respective successors, affiliates, or assignees. These measures are specifically designed to help us protect your identity and identify possible fraud on your Card Account. Any references to days found in this Agreement are calendar days unless indicated otherwise. The money exchange booth at LAX was $1.18 and Travelex at SYD was $1.14 + 3%. 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. Opal cards can be ordered online for delivery to an Australian address within 5 to 7 business days. You acknowledge and agree that the value available in the Card Account is limited to the balance of the Card Account. Easily expand across the United States, Europe, and Asia with our global-ready platform. The Card remains the property of the Bank and must be surrendered upon demand. All software vendors regularly provide patches and updates to their products to correct security problems and improve functionality. Lets take as an example an email coming from a senior executive in the company in which a large amount of money is requested in an urgent manner. The maximum balance allowed on your Card is $10,000. H-E-B engages in the money transmission business and/or sale of stored value products as an authorized delegate of InComm Financial . When you use your Card, you are redeeming the value on the Card and not making a withdrawal from a checking or savings account. arrow_forward. You may not use your Card for any online gambling, escort services or any illegal transaction. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Give us a call at +1-877-662-3489 or fill out the form below and well get back to you within 24 hours. Please notify us at Customer Service if you have any problems using your Card. We reserve the right to require an affidavit signed by you and conduct an investigation into the validity of any request. The plaintiff alleges the fintech company and Ohio-chartered bank have wrongfully refused to refund $3,000 that was fraudulently drained from her account after she fell victim to an apparent scam involving Square's Cash App, used to send and receive money online. We use cookies for security purposes, to improve your experience on our site and tailor content for you. If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, the Bank may assess a foreign currency conversion fee of 3% of the transaction amount and will retain this amount as compensation for its services. An executive or employees email account is hacked and used to request invoice payments to vendors listed in their email contacts. You can also replace your Card by contacting our Customer Service (contact details at the very top). If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the cardmember agreements for any other currently open Majority accounts you have will not apply to you, except for any claims subject to pending litigation or arbitration at the time you send your rejection notice. You always find the most recent version of this Agreement in the Majority Mobile Application (App) and on https://www.majority.com (Website). Detect fraud, control your spend, and ensure the highest levels of compliance and uptime. About Your Card and this Cardholder Agreement. Cybersecurity risks come in a wide variety of shapes and sizes, making it critical to recognize, disclose, and properly respond to a cyber threat. Banco Nacional Ultramarino, S.A. (Mastercard and UnionPay debit cards, Visa and UnionPay credit cards) . Loads are available on the business day when final collected funds are received by us unless a longer time is permitted by applicable law. Our team of experts provide guidance from setup to launch & scale. You are wholly responsible for the use of each Card according to the terms of this Agreement subject to the section labeled Lost or stolen cards/unauthorized transfers below, and other applicable law. 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. Once we receive the final transaction amount, it may take up to seven (7) days for the hold to be removed. Other Phone. This Agreement is revised periodically, so it may include changes from earlier versions. Helping your business make the most of the Scotiabank Visa* Commercial Card. Control your card through a mobile app. - Transfer Funds. The card was sealed in original packaging until approximately 8:45am on 09/30/2022. Learn about the threats and how to protect yourself. Now, if you are Cashing Out from your CA the instant option uses the card network to your linked Debit card, like a merchant making a refund . There are also maximum load restrictions we may place on your Card when aggregated with any other Cards you have. . Preauthorized transfers will not be allowed. Rellevate handles all customer service for the program. 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. Adult and Child/Youth Opal cards are also available over the counter from most retailers, including most convenience stores and newsagents. You may not permit another person to have access to your Card or Card number. We may transfer our rights under this Agreement. Please contact our support team directly at[emailprotected], Sign up today to receive alerts when we launch new business finance content and solutions. Accounts are FDIC-insured up to $250,000. We shall not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses that may affect your computer or other equipment. An ideal card for easy and efficient business purchases. You can unsubscribe at any time. If you do provide access to your Card or Card number, you are liable for all transactions incurred with the Card or Card number. Box); (iv) the personal information that you provide to us and/or Majority USA, LLC in connection with the Card or other services provided by us or Majority USA, LLC is true, correct, up-to-date (at all times) and complete; (v) you have duly registered yourself with Majority USA, LLC in the App and that you have read and understand the Majority Terms of Service and agree to be bound by and to comply with their terms and conditions; (vi) you have read and understand this Agreement and agree to be bound by and to comply with its terms and conditions; and (vi) you accept the Card. The Gift Card Granny Visa or Mastercard is a prepaid Card issued by Sutton Bank. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. 2023 Sutton Bank Portions Copyright Kasasa, Ltd. All rights reserved. These transaction limit amounts may be lower when your card is not present, such as an online transaction. Find out more. Our 5-star customer service team is here to answer any questions you may have. 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. 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. Password-protect access to the router. Free ATM withdrawals if you set up direct . Use theSupply Chain Risk Management Toolkitto help shield your business information and communications technology from sophisticated supply chain attacks. 29. It is your responsibility to check the Agreement periodically for changes. This free app provides you with quick access to the online banking tools you need, so you can manage your finances on the go. Attackers achieve this by using different manipulating techniques in order to trick users into providing money or data. 2022 Marqeta, Inc. 180 Grand Avenue, 6th Floor, Oakland, CA 94612. The PIN you set will apply both in relation to your Virtual Card and your Plastic Card. Visa currently exchanges from US$ to AU$ at about 1.07, very close to the listed international exchange rate. You may simply lock the card for the specific vendor and not have any additional recurring spend blocked. You agree to present your Card and meet identification requirements to complete load transactions as may be required from time to time. 16. We reserve the right to block, suspend, or cancel your Card if, as a result of our policies and processes, we detect what we reasonably believe to be fraudulent, suspicious, or criminal activity or any activity inconsistent with this Agreement. Our Privacy Statementexplains how we use cookies. The Card is our property and is nontransferable. Nevertheless, if a transaction exceeds the balance of the funds available in your Card Account, you shall remain fully liable to us for the amount of the transaction. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CONTACT CUSTOMER SERVICE TO CANCEL YOUR CARD AND TO REQUEST A REFUND. * Rewards offers are subject to approval. State-chartered Sutton Bank, which operates eight branches in four counties in Ohio, has issued 11 million Visa, Mastercard, and Discover payment card accounts. If your Card Account is in good standing and you have available funds on the Card, we will issue you a new Card upon expiration. **This card is issued by Axiom Bank, N.A. 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. 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). LendingClub, First Century Bank, Green Dot and Metropolitan Commercial Bank didn't respond to Forbes' requests for comment.A Sutton Bank spokesperson says, "the fraud rates we experience . Section headings in this Agreement are for convenience of reference only, and shall not govern the interpretation of any provision of this Agreement. Product. The Department of Homeland Securitys"Stop.Think.Connect" campaignoffers training and other materials. Our open API platform allows businesses to instantly issue cards and process payments. 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. On-demand services. If the merchant credits your Card, the credit may not be immediately available. For the avoidance of doubt, the use of your Virtual Card will have the same legal effect as when you use your Plastic Card. Access the toolkit here. Some of these services may not be available at all terminals. Depending on the adversarys thoroughness, the BEC assault can occur in a single email or throughout an entire thread. . If any transactions cause the available balance in your Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees. According to theFBIs Internet Crime Report, the cost of cybercrimes reached $2.7 billion in 2020alone. Because people have a natural desire to be helpful and prove their usefulness, therefore likely to becomevictims of BEC attacks. Upon your request, we will issue you a replacement Card. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. . 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 For customer service or additional information regarding your Card, please visit the help and support sections available in the App or on the Website (https://www.majority.com) or contact Customer Service by phone. Reimbursements will show in your bank statement using the following template: first, "RAMP REIMBURSE", followed by the first initial and last name of the employee being reimbursed. Co-Branded Credit Cards are bank cards issued by banks in joint sponsorship with the retail merchants. The Gift Card Granny Visa Gift Card and the Virtual Visa Gift Card are issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Typically, the minimum annual spend is $5 million CAD. Total credit lines from $500 to $25,000. 14.99% - 29.99%. You agree that from time to time, without further notice to you, we may monitor and/or record telephone calls and electronic communications between you and us to assure the quality of our customer service or as required by applicable law. A copy of this Agreement is available to you in the App and on the Website. If we are unable to contact you, we may be required to transfer any funds remaining with respect to your Card to state government authorities as unclaimed property. IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. 10+ years of modern card issuing experience, Top 25 largest U.S. debit card purchase volume*, Affirms mission is to build innovative products that people love, and Marqetas unique technology provides us the platform and services to help make that possible., Marqeta is vested in our success and that is what makes us want to collaborate even further. Here are a few things we've learned. Cyber-attacks are a growing threat for small businesses and the U.S. economy. The Card issued to you by Sutton Bank enables you to make certain electronic fund transfers to and from your prepaid Card Account with Sutton Bank. Training employees on basic internet best practices can go a long way in preventing cyber-attacks. $4.95 Purchase Fee. 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. To initiate a PIN transaction at the point of sale, select Debit and enter your PIN at the point of sale terminal. Macao . Copies of the documents used in the investigation may be obtained by contacting Customer Service. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. The end goal of a BEC fraud is to persuade the target to make a money transfer or send sensitive data to the attacker while believing they are executing a legitimate and regular business operation. ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. If you use your Card number without presenting your Card (such as for an online transaction), the legal effect will be the same as if you used the Card itself in-store. Program management. 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. No Warranty of Availability or Uninterrupted Use. Transaction limits point-of-sale. Sutton bank is the service provider for CA, so if you do an ACH transfer into your CA account, that is legit, go to the account info for your CA routing# / account# that is your "back end" Sutton account. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. As a result, every job in the organization is responsible for cybersecurity knowledge and abilities. Additional information and applicable terms and conditions will be provided to you in the App and at the Website. During that period, you will not have access to the funds subject to the hold. FOR QUESTIONS OR ASSISTANCE, PLEASE CONTACT CUSTOMER SERVICE AT 1 (855) 553-3388. Primary Fax. Use at Millions of Locations Worldwide. 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. To initiate a signature transaction at the point of sale, select Credit and sign the receipt (if required by the merchant).