PLEASE VISIT (THE WEBSITE) TO VIEW, PRINT, AND SAVE THIS AGREEMENT AND TO VIEW, PRINT, AND SAVE OUR PRIVACY POLICY. Online marketplaces. Consider its appropriateness to these factors before acting on it. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately, following the procedures in the section labeled Lost or stolen cards/unauthorized transfers below. 16. Ideal card for employees on the move to pay for travel and entertainment expenses with ease. The Card is not a device that accesses money in an individual checking or savings account. The attackers pretend to be suppliers requesting fund transfers for payments to an account owned by fraudsters. The Card is issued by the Bank. You will need to tell us: 2. Platinum Mastercard. From time to time the Card services may be inoperative, and when this happens, you may be unable to use your Card or obtain information from your Card or Card Account, including the available balance of funds associated with your Card. Hockerty . Employees should understand that its better to delay the payment than to be scammed and take the proper steps in making sure the request that came their way is actually legit. 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. Easy to Give, Easy to Use. Assignment; Applicable Law; Severability. Keep your money in your wallet. You must contact us at once if you believe your Card or PIN has been lost or stolen, or that someone has transferred or may transfer money from your Card Account (for example by using your Card) without your permission. See how Square uses Marqeta. Alexandra Barring, Banking Moderator . Any transaction that could create a negative balance for your Card Account is not permitted. However, certain third-party fees may apply as further described below. We may transfer our rights under this Agreement. Detect fraud, control your spend, and ensure the highest levels of compliance and uptime. 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. 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. The funds associated with the Card do not expire. 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. 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. . For the avoidance of doubt, the use of your Virtual Card will have the same legal effect as when you use your Plastic Card. Any references to days found in this Agreement are calendar days unless indicated otherwise. 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. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make or authorize, notify us at once following the procedures stated in the paragraph labeled Your Right to Dispute Errors. Configure all software to install updates automatically. You can also replace your Card by contacting our Customer Service (contact details at the very top). Card Protection. You should not write or keep your PIN with your Card. The Card is not connected in any way to any other account. 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. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Making you successful is our priority. ZA Bank (Visa Debit card) *Bank-issued American Express cards aren't supported. 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. Start by learning about common cyber threats, understanding where your business is vulnerable, and taking steps to improve your cybersecurity. This means that the innate human tendency to be a social creature is what will be exploited here. Use theSupply Chain Risk Management Toolkitto help shield your business information and communications technology from sophisticated supply chain attacks. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. Cybersecurity risks come in a wide variety of shapes and sizes, making it critical to recognize, disclose, and properly respond to a cyber threat. Rejection of this Arbitration provision will not affect your other rights or responsibilities under this section or the Agreement. 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. For more information on how Visa collects and protects your personally identifying data, . 1 Securely lock your Business Visa Debit Card when you need to and unlock it again when you don't. Use it to control your business expenses while you're working out the best financial decisions for you. You may reject this Arbitration provision by sending a written rejection notice to us at: Check with your vendors that handle sensitive data, especially financial institutions, to see if they offer multifactor authentication for your account. Sometimes employees tend to rush an action or a response, therefore training them to double-check before executing a task could reduce the risk of being compromised by a cyber attack. For customer service or additional information regarding your Card, please visit the help and support sections available in the App or on the Website ( or contact Customer Service by phone. We will pay the initial filing fee to commence the arbitration. $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions **. Concession Opal cards need . Any different agreement regarding arbitration must be agreed to in writing. Back up your dataRegularly back up the data on all computers. Business VISA with Rewards. Score Some Rewards. The card was sealed in original packaging until approximately 8:45am on 09/30/2022. You should get a receipt at the time you make a transaction using your Card. . You may also have additional security obligations related to agreements with your bank or processor. 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. We will not charge you any fees for the initial issuance or use of the Card. Those types of cards are issued by two parties: a bank and a non-financial entity ( for example a retail merchant). IMPORTANT PLEASE READ CAREFULLY. These measures are specifically designed to help us protect your identity and identify possible fraud on your Card Account. If you need to replace your Card for any reason we recommend that you make your request for a replacement Card within the App. 10. We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. 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. Please read this Agreement carefully and retain it for future reference. FOR QUESTIONS OR ASSISTANCE, PLEASE CONTACT CUSTOMER SERVICE AT 1 (855) 553-3388. 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. For better business. 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. 1-16. Macao . If you do not have enough funds available in your Card Account for the amount authorized by you, your transaction will be declined. Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases. If you do not promptly add sufficient funds to your Card Account to cover the negative balance, in addition to any other remedies or actions, we may cancel your Card and Card Account and pursue collection. 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. The arbitrators award will be binding and final. Insurance. Small business lending. A card that can help drive process efficiencies and improve control over procurement spend. Simplify your life and stay in control conveniently and securely, with the Sutton Bank Mobile App. A copy of this Agreement is available to you in the App and on the Website. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. 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. Lending criteria apply to approval of credit products. To hide your Wi-Fi network, set up your wireless access point or router so it does not broadcast the network name, known as the Service Set Identifier (SSID). An ideal card for easy and efficient business purchases. In this specific scam companies working with foreign suppliers are often targeted. Other Phone. ACH transactions and wire transfers are the fastest way to move funds to another business, person, or other recipient. Both Mastercard and Visa assist in emergency replacement cards and cash advance, anywhere in the world 24/7. Control your card through a mobile app. 55 day interest-free period on all purchases. 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. Read More Business Details. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. 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. Regular APR. 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. For further information please go to Expense . You hereby agree to our collection, use and sharing of information about you and the Card as provided in our Privacy Policy, which is made a part of this Agreement. Please contact your product specialist for further information. Our 5-star customer service team is here to answer any questions you may have. SUTTON BANK PREPAID RULE LONG FORM DISCLOSURE. Card. Credit Cards. Use strong passwordsUsing strong passwords is an easy way to improve your cybersecurity. See our Rewards Terms and Conditions for Cash Back and the Welcome Bonus for details. There is no fee for this service. Yes, you can add your own logo or create a custom credit card with the background image of your choice. Organizations should start mapping the existing workflow used for wire transfers and analyze in-depth their processes in order to identify potential weaknesses and enhancement opportunities, for example limiting the amount of money each executive can approve, or using authorization for wire transfers, that also includes a protocol for approvals in the specific cases where senior executives are the initiators of these transactions. . If you want to cancel the Card, the Card Account and this Agreement please contact Customer Service. If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days to our Customer Service at the address provided below. You are required to notify us immediately if you believe the Card is lost or stolen. Customer Service agents are available to answer your calls Monday-Friday from 8am to 6pm and Saturday 9am to 5pm USA Central Time. You hereby agree to accept all legally required notices by electronic means including publications made within the App or on the Website. By checking this box, you agree to receive marketing emails from Visa. Sutton Bank is not making the credit decision. Please read this Agreement carefully and keep it for future reference. Fax Numbers. 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. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. See our Rewards Terms and Conditions for, Best Business Credit Cards Comparison Tool. 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. Upgrade Visa Card with Cash Rewards. Scale Merchant Acceptance: Provide consumers with the ability to make a purchase using their BNPL provider at . 37. Sutton Bank, Member FDIC, issues the Upgrade Card, which allows access to the personal credit line. 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. No one else may sign the rejection notice. Gonczi called Sutton Bank to investigate. . Find out more. Mega International Commercial Bank ( Visa credit and debit cards, JCB and MasterCard credit cards) Shin Kong Bank (Mastercard and Visa . 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. Any translation provided may not accurately represent the information in the original English. We use cookies & other technologies to analyze website traffic, personalize content & provide relevant advertising on other websites. 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. . Transactions Routed through the Visa System: Visa Zero Liability Protection. If you make your email account available to any other individual, you agree that you are responsible for any release of any Account information to such individual. After diligently researching his targets for some time, the attacker will develop a few scam scenarios that might work. All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made finally and exclusively by the arbitrator. 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. Be sure to use different passwords for your different accounts. 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. Westpac purchasing card. 1. 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 . If you need more information about our error-resolution procedures, please contact Customer Service. The maximum amount that can be withdrawn is: per transaction: from ATM $510/International ATM $510, per day: from ATM $510/International ATM $510, per month: from ATM $2,500/International ATM $2,500.
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