If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we may be liable for your losses or damages. Phishing emails appear as though theyve been sent from a legitimate organization or known individual. IN ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY. Read More Business Details. Any claim, dispute, or controversy (Claim) between you and us arising out of or relating in any way to this Agreement, your Card, your acquisition of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding confidential individual arbitration conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. Our 5-star customer service team is here to answer any questions you may have. Regular APR. A copy of this Agreement is available to you in the App and on the Website. One final way to obtain your debit card balance is through your bank's app. Developed by the DHS Cybersecurity and Infrastructure Agency (CISA), this toolkit will help you raise awareness and reduce the impacts of supply chain risks. Copies of the documents used in the investigation may be obtained by contacting Customer Service. Please read this Agreement carefully and keep it for future reference. According to a recent SBA survey, 88% of small business owners felt their business was vulnerable to a cyber-attack. These may change or we may introduce new ones in the future. After collecting the necessary data, attackers will behave as the company CEO or any high-level executive and send an email to employees in finance, requesting money transfers to the account they control. Access the toolkit here. If you have provided us with the personal information described in the paragraph above labeled Important Information about Opening a New Card Account, then such funds are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum amount specified by FDIC regulations. Small businesses are attractive targets because they have information that cybercriminals want, and they typically lack the security infrastructure of larger businesses. Well, like all social engineering attacks, BEC fraud relies on the human factor in order to be successful. This Agreement sets forth the entire understanding and agreement between you and us, whether written or oral, with respect to its subject matter and supersedes any prior or contemporaneous understandings or agreements with respect to their subject matter. In this specific scam companies working with foreign suppliers are often targeted. 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. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. 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. 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. We value their cutting-edge technology, reliability, and easy to use platform APIs.. Alexandra Barring, Banking Moderator . FOR QUESTIONS OR ASSISTANCE, PLEASE CONTACT CUSTOMER SERVICE AT 1 (855) 553-3388, 1. Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. You will not be charged a fee for this information unless you request it more than once per month. Judgment on the arbitration award may be entered in any court having jurisdiction. 14.99% - 29.99%. The PIN must be used on all automated teller machine (ATM) transactions and PIN transactions. 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. 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. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. It is important to know your available balance before making any transaction. 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. An ideal card for easy and efficient business purchases. 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. Encourage employees to challenge suspicious requests. Target Market Determinations for the products are available. Media & ad agencies. Merchants generally will not be able to determine your available balance. If you want to cancel the Card, the Card Account and this Agreement please contact Customer Service. 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. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. 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. Because people have a natural desire to be helpful and prove their usefulness, therefore likely to becomevictims of BEC attacks. Program management. 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. The Card will remain the property of the Issuer and must be surrendered upon demand. The Card is not a credit card. Any such fee will be deducted from the balance of the Card, along with the amount of the withdrawal performed at the ATM. The Card is issued by the Bank. 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. Raising employee awareness about scams and BEC fraud is always a good idea, but businesses shouldnt rely solely on this. Any transaction that could create a negative balance for your Card Account is not permitted. All software vendors regularly provide patches and updates to their products to correct security problems and improve functionality. 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. Upgrade Visa Card with Cash Rewards. Lets talk about your use case and how we can help. *When consolidating purchase volume processed through Marqetas platform in 2019. Solely for purposes of this Section 37 (Arbitration), We or Us shall mean the Issuer, and its respective successors, affiliates or assignees as well as Majority USA, LLC or any other any third party using or providing any product, service or benefit in connection with the Card. Lodge with frequently used pre-approved suppliers. Skip to main content . The Card is not connected in any way to any other account. By checking this box, you agree to receive marketing emails from Visa. On February 23, 2023, the U.S. Department of State updated its guidelines to allow F and M students to apply for their student visas to study in the United States up to 365 . The Troubleshooters have received reports from other consumers in the Delaware Valley about Cash App cards issued by Sutton Bank. Employees and emails are a leading cause of data breaches for small businesses because they are a direct path into your systems. We may temporarily suspend freeze your Card and Card Account and try to contact you if we notice transactions that are unusual or appear suspicious. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. 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. "There is a card number . Find the best card for your small business. The Card is not a device that accesses money in an individual checking or savings account. The maximum balance allowed on your Card is $10,000. Any references to days found in this Agreement are calendar days unless indicated otherwise. Cyber Resilience ReviewThe Department of Homeland Securitys (DHS)Cyber Resilience Review (CRR)is a non-technical assessment to evaluate operational resilience and cybersecurity practices. With purchasing convenience, cost savings, available credit, and detailed reporting, you'll have what you need to nurture your small business and help it thrive. Most are the reloadable type. Assignment; Applicable Law; Severability. 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. We will tell you the results within three (3) business days after completing the investigation. Save 10% on full-price purchases over AUD $200, or 12% off purchases over AUD $400 when you pay with a valid Visa card. You are responsible for all authorized transactions initiated and fees incurred by the use of your Card. 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. @alexandra 01/24/22 This answer was first published on 01/24/22. Ideal card for employees on the move to pay for travel and entertainment expenses with ease. Card Protection. Critical data includes word processing documents, electronic spreadsheets, databases, financial files, human resources files, and accounts receivable/payable files. No Warranty Regarding Goods or Services as Applicable. Sumissura . 10. Featured. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. Reporting (and deactivating) a lost or stolen Card can also be made via the App. Annual rate from 6.99 % p.a. . 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. 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. Supply Chain Risk Management. The amount of the fee should be disclosed at the ATM. Any translation provided may not accurately represent the information in the original English. 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. Adult and Child/Youth Opal cards are also available over the counter from most retailers, including most convenience stores and newsagents. The Card cannot be redeemed for cash. 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. Note that you may also be charged a fee for a balance inquiry even if you do not complete a fund transfer. This information does not take your personal objectives, circumstances or needs into account. Square Debit Card may be used wherever Mastercard is accepted. PLEASE VISIT https://www.majority.com (THE WEBSITE) TO VIEW, PRINT, AND SAVE THIS AGREEMENT AND https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf TO VIEW, PRINT, AND SAVE OUR PRIVACY POLICY. It isn't connected to a personal bank account or another debit card. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. Square Checking is provided by Sutton Bank, Member FDIC. No cash or ATM access. 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. The Virtual Visa Gift Card can be redeemed at internet merchants everywhere Visa . We may also ask to see a copy of your drivers license or other identifying documents. During that period, you will not have access to the funds subject to the hold. 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. 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. Once we receive the final transaction amount, it may take up to seven (7) days for the hold to be removed. . PIN and Non-PIN Transactions: Merchants may limit the available options for the type of transaction you wish to conduct or may let you choose between a PIN (Debit) transaction or a signature (Credit) transaction at the point of sale. You may not permit another person to have access to your Card or Card number. The exchange rate used on the central processing date may be different than the rate that was in effect on the date you performed the transaction. 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. The Card is nontransferable, is not for resale, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Besides no annual fees, this card also doesn't come with any activation or maintenance fees, making it a perfect cost-effective . Any different agreement regarding arbitration must be agreed to in writing. NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. A card that can help drive process efficiencies and improve control over procurement spend. We use cookies for security purposes, to improve your experience on our site and tailor content for you. With your PIN, you may use your Card to obtain cash from any Automated Teller Machine (ATM) that bears the Visa acceptance mark, or you may use the Card to withdraw funds at any point-of-sale (POS) device, as permissible by a merchant, that bears the Visa acceptance mark. This type of scam usually targets employees from the HR and bookkeeping departments. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. (419) 756-2449. - View Account Balances. Detect fraud, control your spend, and ensure the highest levels of compliance and uptime. Better Cards. We are not responsible for such fee. If we decide that there was no error, we will send you a written explanation. FCC Planning ToolThe Federal Communications Commission offers acybersecurity planning toolto help you build a strategy based on your unique business needs. 3. arrow_forward. | The Revenued Business Card is a purchase of future receivables and not a loan. FEATURES INCLUDE: Visa Gift Card from $20-$500 denominations. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. 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. You may reject this Arbitration provision by sending a written rejection notice to us at: support@majority.com. ACH transactions and wire transfers are the fastest way to move funds to another business, person, or other recipient. IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. Apply for the right card and see what a difference we can make. An executive or employees email account is hacked and used to request invoice payments to vendors listed in their email contacts. Fraudulent or Criminal Card Account Activity. See how Square uses Marqeta. Why you believe there is an error, and the dollar amount involved, 3. a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. If you need to replace your Card for any reason we recommend that you make your request for a replacement Card within the App. 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. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard. About Your Card and this Cardholder Agreement. The attackers pretend to be suppliers requesting fund transfers for payments to an account owned by fraudsters. Making you successful is our priority. Please contact your product specialist for further information. You are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein. 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. We reserve the right, at any time in our sole discretion without providing notice to you, to change, delete or add to this Agreement and to apply any such modification to a Card, to any available balance on the Card Account or otherwise to the legal relationship between you and us. 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. ZA Bank (Visa Debit card) *Bank-issued American Express cards aren't supported. Our business days are Monday through Friday, excluding US federal holidays, even if we are open. 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. 12. Secure payment processingWork with your banks or card processors to ensure the most trusted and validated tools and anti-fraud services are being used. 29. Macao . Transactions in Foreign Currencies. 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. The first step in improving your cybersecurity is understanding your risk of an attack, and where you can make the biggest improvements. 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. 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. Yes, you can add your own logo or create a custom credit card with the background image of your choice.