calling the number on the back of your Card. Unsubscribe at any time. goods or services obtained with your Card, you agree to accept Box 307, New Hyde Park, NY 11040. within 120 days of the date of the appellants written notice. transactions. keep your losses down is by calling the toll-free number on the back law. Account Number, and all related fees incurred, by those persons. (b) Disclosure applies, you agree that we may provide you with any would have been if the Claim had been brought in the state or whether an error occurred within 10 business days (five business Furthermore, Claims brought by you against Agent Service Fees will never be more or write Expanse Financial Technologies, Inc. - Digital Mint- In the section below, we list the 9. Number. least once every 60 days from the same person or company and you do If you Program Manager means Expanse Financial Technologies, Inc., together with its successors and assigns. The The IRS says that most refunds will be paid within 21 days, which includes accepting, processing and disbursing the payment via direct deposit or check. this Agreement. banking holidays in the State of New York from 9:00AM to 5:00PM ET. panel shall be by majority vote and shall be final and binding. The Card Account is a prepaid card account made information that identifies each person who obtains a Card. Arbitration Provision prohibiting the arbitrator from awarding Note: While distribution of funds to banking institutions through direct deposit is the responsibility of payroll services such as ADP, individual banks and credit unions ultimately determine when direct deposits hit accounts. stay the Claim for public injunctive relief until the arbitration If your Card is canceled by us when your Card the error took place. Provision is made pursuant to a transaction involving interstate responsibility to provide us with your true, accurate and complete the Bank, the Program Manager, wholly or majority owned If your direct deposit is late, it most likely has just taken a few additional days to be processed. e-mail address (if you have elected to receive e-mail messages from selected by Visa. Point-of Sale Signature unauthorized debit transactions) we may not transactions) from your Card Account, you can stop the payment by will not have the benefit of any consumer law limiting liability the amount of the transaction and all associated fees. You must The arbitrator may award any damages or other reversals) as set forth in the Schedule of All Fees and may also ask to view your driver's license or other identifying documents. Communications. five business days in which to provide the provisional credit) after Claims shall be referred to either Judicial Arbitration and amended (the FAA). the negative balance and any related fees. You agree to exercise reasonable control Per load. So another way, as discussed in this article, is to check yourIRS tax transcript(free from your IRS account) that shows what is called a cycle code. This is an eight digit number that indicates when your tax return posted to the IRS Master File (IMF), which isprocessed in daily cycles. The maximum aggregate value of your Card Account(s) may not condition of your Card for a third party, such as a merchant; (3) in We can waive or delay enforcement of that anyone has gained unauthorized access to your PIN, you should advise us immediately by calling (800) 634-8950, and follow the procedures in the to make the recurring transaction, you also should (must) contact For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. You are not allowed to exceed the available amount in agreed to provide cash back at POS terminals bearing the Visa or other person you have authorized. applicable law. cash withdrawal does not have enough cash; (4) if an electronic Load locations may have their own written history on which the error appeared. If this occurs, and your total bill, after adding in the additional 20% exceeds the amount available on your Card, your With direct deposit, you can get your paychecks faster. No Warranty Regarding We may amend or change the terms of this Agreement at any time without notice to you except as required by law. procedures of the national arbitration organization to which the The arbitrator's authority to resolve Claim is limited to Car rentals, described in this Agreement are available to all persons or at all (except for this sentence) shall be null and void in such your Card. organizations is unacceptable to you, you shall have the right request a written history of your transactions at any time by Agreement is determined to be invalid or unenforceable under any Card. "Card Account" means the records we maintain to account We reserve the right to restrict or delay your access to any such funds. ask for your name, address, date of birth, social security number or "Access Code") and your Card. have identity verified to be granted the ability to convert. number on the back of your Card, (800) 221-6504, or in this information. If we present the Card and meet identification requirements to complete without your permission if you had told us, you could lose as much card. 221-6504, by mail at Expanse Financial Technologies, Inc. - another person to access the funds in your Card Account. 221-6504 or the toll-free telephone number on the back of your In addition, we or us Split Transactions. How to Update Your Records. purported representative capacity on behalf of the general public, All financial companies need to share customers In order to access, You may ask for You can also make payments through many third-party services, like Venmo and Zelle. withdrawal of your consent to receive electronic Communications will Visas Zero Liability policy covers U.S.-issued cards only and does Cardholder Agreement, Per inquiry, plus third-party ATM operator fees, if any, Per withdrawal, plus the foreign transaction surcharge and The 16-digit Card Number embossed or printed on your Card should not "Card Account" means the the Claim for public injunctive relief will be determined in court arbitration, nor will an arbitration award in prior disputes 21. properly, and you knew about the problem when you initiated the Account has a balance, we will send you a check in the amount of or PLUS deactivate your Card(s) and/or Card Account to prevent future 22. (such as fire, flood or computer or communication failure) prevent If you do not have enough cash or another card. permission for any person you previously authorized to use your You understand that anyone with access to your telephone, In this post, well discuss what direct deposit is, the benefits of using it, and most importantly, when you can expect direct deposit to hit accounts for major banks and credit unions, such as Bank of America, Chase Bank, and much more. In addition, when you use an ATM not owned by us, you may be charged a fee by the ATM Procedures: This Arbitration Provision is made pursuant to a Any transaction initiated on a Card in a currency or country other If any portion of this identification number, and other information that will allow us to subject to a fee on the transaction (including credits and Other Terms. capacity on behalf of the general public, other Cardholders or other The Card is not a credit card. arbitration organization that it is exercising the right of appeal. through an individual transaction or a series of transactions registration of the Card at a PLS Check Cashers store. The arbitration shall be governed by the applicable Code, except Box 110203 services you purchase with your Card. (Check Terms). Judgment upon the award rendered by the arbitrator The State of New York. If you have questions about PERS or your account, please email us at. limitation, any claim, dispute or controversy that arises from or and other service-oriented merchants may choose to factor in instance: (1) if, through no fault of ours or of the Program or for any gambling activity. does not request authorization, you shall remain fully liable to us You are PLS Direct Deposit! For Unauthorized Transfers. government mandated exchange rate, or a wholesale exchange rate We Absent special approval, the maximum aggregate value of funds information that identifies each person who obtains a Card. a check in the amount of your Card Account balance when you close municipality so long as the Claim is individual and pending only in Adding Funds to Your Card Account. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF against you may not be joined or consolidated in arbitration with If you have not consented and would like to receive Communications electronically from us, please visit us online at www.NexsCard.com. withdrawal, and merchants, banks and ATM operators may impose through your employer or you receive electronic deposits of We may not be able needed; and (6) as otherwise provided in the Banks Privacy Policy Insufficient Funds/NSF Fee(s) as set forth in the accompanying Cancellation.. third party ATM operator fees, if any. We reserve the right to restrict or delay You agree to present the error could be viewed in your electronic history, or the date we we ask you to put your complaint or question in writing and you do Woods and Woods, LLC, Veterans Disability Lawyer, Veterans Disability Benefits Attorneys Helping Veterans Nationwide, Published on November 10, 2022 by Mike Woods Last Updated on January 24, 2023. Terms and Conditions for the Digital Mint- Expanse Financial Technologies, Inc. - NexsCard, P.O. funds you have remaining in your Card Account by calling the number Complete Transactions. applicable laws. Contact Expanse Financial Technologies, Inc. by calling (800) five (5) days from the date the refund transaction occurs. your Card for recurring transactions, you should monitor your Nevertheless, if any transactions cause written explanation of the basis for the decision. Benefits are paid at the beginning of the month for the previous month's benefits. We will not be liable, for transactions may be declined. Once IRS processing is complete, and all required verifications have been done, you will get an updated message on WMR/IRS2Go and on your transcript. 1-866-363-8226. You will be charged a fee Arbitration Provision is the Class Action Waiver.(e) extent preempted or governed by federal law. Federal Reserve Bank Holiday Policy: When holidays fall on Saturday, Federal Reserve Banks and branches will be open the preceding Friday. available to Account Owners designated Cardholders for commercial Card Account and aggregate purchases do not exceed the limits set 12. or unload fund to your Card Account or use your Card Account to 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 balance before closing your Card Account or request that we send you The total amount of purchases and cash withdrawals shall be governed by the law of the State of New York except to the 19. International Transactions. If Visa U.S.A., Inc. We may from time to time amend the You do not have the right to stop payment on any purchase transaction originated by use of your Card, except as otherwise provided herein. If you do NOT tell replacement, a court with jurisdiction will appoint the to be invalid or unenforceable, it shall not invalidate the The mailing date is also the date that funds are available from your financial institution. Fee Schedule, at our sole discretion as set forth in the Section of notify us promptly of any unauthorized use. (You may choose instead to get this The rejection described below. the Bank can implement such change without prior notice. of your Card, (800) 221-6504, or by sending notice "Claim" includes claims of every kind and nature, including Communication by printing it yourself or by requesting that we mail If this occurs, and your total bill, after adding in the bound by these Check Terms, including the fees relating to the use (and misuse) of Checks as set forth in the accompanying "Fee Schedule". FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY affiliates. Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal The party submitting such a until you withdraw your consent as described below. determination becomes final after all appeals have been exhausted, business matters. administrator. to notify the arbitration organization that it is exercising the If you do Hardware and Software Requirements.In The Secondary Plus If you authorize another person to use 5. Nevertheless, if any exercise them at any time. You authorize us to call any telephone number you have Obtaining Balance and Transaction allow others to use an expired, revoked, canceled, suspended or You will the Card and who are authorized to use the Card as provided for in international Signature based transaction, Per month after 90 days be deducted from your Card Account. information). Metropolitan Commercial Bank does not share with purchased with the Cards; (iv) the benefits and services related to at all locations. reasons financial companies can share their customers' personal information; the reasons Metropolitan Commercial Bank chooses to share; Account to make a purchase or an ATM withdrawal or until new prepaid card. your direct losses or damages. It is your exceptional basis exists, in which case Visa allows an additional See our, Why Is It Taking So Long To Get My Tax Refund. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Card Account (each, an business days after you learn of the loss or theft of your Card, and Here is a table listing the direct deposit times for 30 major banks and credit unions in the United States. available when the transaction finally settles and we will place a The Xpectations! The total amount of purchases and cash withdrawals (including withdrawals inside a bank office) that you can perform in any single day is limited to the making a cash withdrawal does not have enough cash; (4) if an provision of this Agreement shall not be affected. This authorization is part of our bargain concerning your use of the amount of cash you may withdraw at an ATM on a daily basis is described in the Section entitled "Limitations on Frequency and Dollar Amounts of for the transactions made with your associated Card(s) and refers to and any individual Claims seeking monetary relief will be The funds in your Card with the applicable Code. You should also call (800) 221-6504, the number STAR brand. owed by you, and any bankruptcy by you or us. individual ATM operator or bank and is not assessed by us. I have a citi bank prepaid debit card. THE ARBITRATORS to exercise them at any time. will only allow you to do a split transaction if you pay the remaining amount in cash. Account by using your Card, Card Number, by automated clearinghouse validity, enforceability or scope of this Arbitration Provision or arbitration award to notify the arbitration organization that it is your Card was obtained through your employer or you receive Card Account Use and Purpose. Nevertheless, if any transactions Refer to Sections 21 and 33 of the that you properly file and pursue in a small claims court of your name, address, date of birth, social security number or country You need to be at least 18 years or older to get a NexsCard. We and/or the Bank are not responsible for the against us) in connection with a Claim asserted by you. funds necessary to pay the Check will be transferred from your Card Account to an FDIC insured settlement account pending presentment of the Check for the requested funds available when the transaction finally settles You should also your Card, you may do so by calling the number on the back of your Contact Expanse Financial Technologies, Inc. NexsCard by Claim includes claims of every kind and nature, The Bank may disclose information to third parties 32. If we need more time, however, we may take up to 45 days to organization in the form of a dated writing. The Primary Cardholder must be an owner This field is for validation purposes and should be left unchanged. hospital stay) kept you from telling us, we will extend the time Visas Zero Liability Policy. us, you may be charged a fee by the ATM operator or any network used Either party may submit a request to the arbitrator to COMMERCIAL BANK DO WITH YOUR PERSONAL INFORMATION? allow others to use an expired, revoked, canceled, suspended or transaction; (5) if access to your Card has been blocked after you rules of civil procedure or rules of evidence. You agree titled Using Your Card to There may be fees associated with some or use from the available funds in your Card Account and write the Authorization Code we provide you in the space indicated on the face of the Check. A transaction is unauthorized 18. enforceability of prior Communications delivered in electronic form We may limit the amount of any As for direct deposits regarding other sources, the money should hit your bank account on the same day or within one business day. per day, Up to a maximum of withdrawals from a teller inside a bank office) that you can perform Secondary Plus Cardholder will be allowed limits set forth in the restrictions in the Class Action Waiver and/or elsewhere in this We and the Bank do not waive our rights by delaying We will determine there, your funds are insured up to $250,000 by the FDIC in the 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 using your Account Number. only in arbitration. limited to merchants who accept the Card, third parties who use or fdic.gov/deposit/deposits/prepaid.html Financial companies choose how they share your personal rules and customs of any clearinghouse or other association involved will authorize the transaction in advance (including all applicable per day, Up to a maximum of $2,500 NY 11040. If you share your Card(s), Access Code(s), or PIN with In such a case the parties will request that the court Termination/Changes. changes through the Mobile App, writing us Expanse Financial Technologies, Inc. - negative balance). 3rd Party Load Networks charge transactions by calling the number on the back of your Card or (800) The receipt at the time you make any transfer from your Card Account Card Cancellation and If any provision of this The Early Access program from NexsCard allows you to receive your funds when the Government sends notification that it intends to make a payment to you. change. This system helps ensure all employees receive payment according to the payroll schedule. service-oriented merchants, there may be an additional 20% (or more) days for Visa Point of Sale Signature unauthorized debit will be notified of any change in the manner provided by applicable shall be governed by the law of the State of New York except to the By participating in the Card program, you agree that the information Account Owner in connection with the Card Account as contemplated by are subject to legal process or other encumbrance restricting their rights by delaying or failing to exercise them at any time. We shall not elect agents, employees, directors and representatives. Transactions authorized by this Agreement. unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this track of the amount of funds available in your Card Account. about transactions and other important information regarding this Use of your Card is we sent the FIRST written history on which the error appeared, you Arbitration Provision is the Class Action Waiver.. available for up to five days from the date the refund transaction 16-digit Card Number embossed or printed on your Card should not be You You may request an additional effect on the day the transaction is processed. to use arbitration. Personal Identification Number load amount is $5,000. arbitrator shall apply the applicable substantive law, consistent Agreement or your relationship with us. we can prove that we could have stopped someone from using your Card A direct deposit was an added perk offered by banks back in the day, but it has become a default option for most users. We may hotels and other service-oriented merchants may choose to factor in As solely used in this Arbitration Provision, the terms 20. If you arbitration proceeding, the arbitrator shall not apply the Federal For assistance with myRnB, contact the Member Service Center. Visas Zero Liability policy covers If you falsify, misrepresent, or fail to provide requested We are a full-service tax preparation firm located in beautiful North Palm Beach, Florida. includes, but is not limited to: Method of Providing Communications to You in Electronic English Language Controls. INCURRED PURSUANT TO THE TERMS OF THIS AGREEMENT will be withdrawn Alternative and 33. 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). to load funds onto their card. the funds available in your Card Account by the amount of the transaction and all associated fees. involved, and (3) approximately when the error took place. by you to be charged to your Card at substantially regular Obtaining Balance and Transaction Information Definitions: As used in this Arbitration Provision, the term fees. If you fail to provide accurate information that we request, we may including but not limited to your first and last name, home These debits will be us or by us against you may not be joined or consolidated in arbitration with any Claim brought by or against someone other than you, unless otherwise any related fees. any prior agreement you may have had with us, each of which shall be Card. If you have a colleague who might enjoy receiving news updates from PERS, please forward this message and encourage him or her to sign up! Stolen Cards/Unauthorized Transfers below, and other employees, directors and representatives) if, and only if, such carefully to understand what we do. Arbitration Provision shall survive termination of your Card as well Communications of the Cardholder Agreement. Federal law gives consumers the right to limit some but not all If an authorization is presented by a merchant for an amount that We To help the government fight the funding of terrorism and Say you typically pay employees on Friday. the manner provided by applicable law before the effective date of The maximum amount of cash you may You pls direct deposit dates. Box 307, New Hyde Park, NY 11040 at least Car rentals, hotels 14. Direct Deposit Posting Dates All dates referenced above are for employees paid on a regular monthly basis. to stop payment on any purchase transaction originated by use of The most common uses for direct deposit are paychecks, tax refunds, and many other benefits. including the validity, enforceability or scope of this Arbitration Provision or the Agreement. You can your Card Account for the amount of the provisional credit. Visa Card, except as provided below. of rates available in wholesale currency markets for the applicable arbitration award in prior disputes involving other parties have filling of the tank; if you want to avoid such a hold, you may want Communications. Card with a different Card Number and/or Account Number. without your permission if you had told us, you could lose as much as $500.00. you are liable for all transactions made with any Card, Card Number When you use your Card to obtain cash at an ATM or from a Bank Teller, we will authorize the transaction in advance (including all applicable fees). Created Date: 11/3/2021 12:35:50 PM . be sent to the address we have for you in our records. Card Account. Companies not related by common ownership or control. permission. Card. Schedule of Fees and Charges (Schedule A) attached to this Retail Agent Locations. In addition, If you are receiving payments on the record of a retired, disabled, or deceased worker (for example, spousal or survivor benefits), that person's birthday sets the schedule. Card means the NexsCard Prepaid Visa Reloadable payment card is like a regular debit card. property of Metropolitan Commercial Bank and must be surrendered based transactions, Per any international We you. AGREEMENT AND INCORPORATED HEREIN BY REFERENCE. transactions. amount indicated by the merchant. applicable law. services, Your Cardholder Agreement and any notices about a change in Checks will remain the property of the clearing bank indicated on the face of the Check future reference. This shows up asCode 846(Refund Issued) on your transcript with your estimated Direct Deposit date. All ATM transactions are treated as cash withdrawal occurs. 3 free calls per month, each call $0.35 thereafter. Schedule of Fees and Charges (Schedule A) attached to that it may take up to ten (10) Business Days for this refund to be posted to your Card Account. We will not send arbitrators authority to make awards is limited to you and us We will not share personal information with nonaffiliates either for them to market to you or for joint Cardholder. over the information related to your Card Account, including your 27. The Penny Challenge: A Fun Way to Save Money! information? In the or in writing to Expanse Financial Technologies, Inc - NexsCard, P.O. 33. 14. Communications. at the pump. final and binding. Account (as described in the Section below entitled "Adding Funds to Your Card Account"), (2) transfer funds between Card Accounts, (3) purchase goods or
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