The Upgrade Visa Card with Cash Rewards comes with an annual fee of $0 and an 8.99%-29.99% regular APR. Co-Branded Credit Cards are bank cards issued by banks in joint sponsorship with the retail merchants. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. This Sutton Bank Cardholder Agreement (" Agreement ") constitutes the agreement between you, and Sutton Bank Attica, Ohio (" Sutton Bank " or " Issuer "), a FDIC insured member institution, outlining . Free ATM withdrawals if you set up direct . You may reject the arbitration provision by sending us written notice within 45 days after your first card purchase. By creating an email address with a spoofed domain and just adding 1 digit or one letter in the domain name you could become a victim. You will not receive any interest on your funds in the Card Account. Visa Business credit cards. Cyber-attacks are a growing concern for small businesses. Banco Nacional Ultramarino, S.A. (Mastercard and UnionPay debit cards, Visa and UnionPay credit cards) . 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. You should get a receipt at the time you make a transaction using your Card. Benefits may vary by card issuer, so check with your card issuer to learn more about your specific Visa Infinite/Signature credit card benefits and features. 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 . Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. $0. Approximately when the error took place. The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. You must surrender a revoked Card and you may not use an expired or revoked Card. ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. We may temporarily suspend your Card in the event we detect unusual or suspicious activity. It may take up to thirty (30) days to process a request for a replacement Card although we will endeavor to provide you with a replacement Card on as timely a basis as is reasonable under the circumstances. 16. For more information on how Visa collects and protects your personally identifying data, . 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. Our 5-star customer service team is here to answer any questions you may have. Expense management. 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. Developed by the DHS Cybersecurity and Infrastructure Agency (CISA), this toolkit will help you raise awareness and reduce the impacts of supply chain risks. A dedicated specialist from Scotiabank is ready to assist - from consultation to implementation to help ensure your team takes full advantage of the program. Lodge with frequently used pre-approved suppliers. The Card is not for resale and may not be transferred or assigned. Gonczi called Sutton Bank to investigate. Concession Opal cards need . Such software is readily available online from a variety of vendors. We do not waive our rights by delaying or failing to exercise them at any time. We may revoke or suspend your Card or any features or services of your Card at any time without cause or notice. Merchants generally will not be able to determine your available balance. A cybersecurity risk assessment can identify where a business is vulnerable, and help you create a plan of actionwhich should include user training, guidance on securing email platforms, and advice on protecting the businesss information assets. Tell me more. 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. Program management. You also have the right to obtain at least 24 months of written history of account transactions by calling 1-855-553-3388, or by writing us at MAJORITY USA, LLC, 9801 Bissonnet Street, Suite V, Houston, Texas 77036, USA, Attn: Customer Support. We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. Security: If the vendor's website security is compromised, your card information with other vendors stays safe. Customer Service agents are available to answer your calls Monday-Friday from 8am to 6pm and Saturday 9am to 5pm USA Central Time. BEC attacks have a high success rate not because they are so technologically sophisticated, but because they are exploiting human vulnerabilities, like a response to authority, schedule, or even tiredness. IN ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY. One final way to obtain your debit card balance is through your bank's app. We may transfer our rights under this Agreement. The finally Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc. . The attacker will try to either obtain access to the email addresses of the influential people in the company or just impersonate them. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account. We will tell you the results within three (3) business days after completing the investigation. 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. After the code is run, your computer may become infected with malware. Sutton Bank does not provide customer service for the Georgia Cash Assistance Program. See our Rewards Terms and Conditions for Cash Back and the Welcome Bonus for details. All you need to do is complete a brief online questionnaire about your company operations, founders and sources of funding. * Rewards offers are subject to approval. The PIN you set will apply both in relation to your Virtual Card and your Plastic Card. 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. During that period, you will not have access to the funds subject to the hold. Administrative privileges should only be given to trusted IT staff and key personnel. If you need more information about our error-resolution procedures, please contact Customer Service. Encourage employees to challenge suspicious requests. 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. 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. 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). 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. $0. edX . We will not charge you any fees for the initial issuance or use of the Card. Please be advised that you may experience difficulties using your Card at unattended vending machines, kiosks, and gas station pumps. The card was sealed in original packaging until approximately 8:45am on 09/30/2022. Find the best card for your small business. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. We will not be liable, for instance: If through no fault of ours, you do not have enough funds available on your Card to complete the transaction; If a merchant refuses to accept your card; If an ATM where you are making cash withdrawal does not have enough cash; If, when you initiated the transaction, an electronic terminal, the system, ATM, or point-of-sale terminal was not operating correctly, and you knew about the problem when you initiated the transaction; If access to your card has been blocked after you reported your Card lost or stolen; If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use; If we have reason to believe the requested transaction is unauthorized; If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions we have taken; or. Our Business MoneyIQ page features useful information and videos to help your business navigate the increased threats from cyberattacks, Ransomware, DDoS attacks, tax fraud and more. You are responsible for keeping track of your Card Account available balance. However, there are some exceptions. Add some flexibility to your budget with a card thats accepted everywhere. ACH transactions and wire transfers are the fastest way to move funds to another business, person, or other recipient. 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. Adult and Child/Youth Opal cards are also available over the counter from most retailers, including most convenience stores and newsagents. The Card will remain the property of the Issuer and must be surrendered upon demand. 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. Score Some Rewards. Over the last seven years, Sutton has focused on providing corporate banking services to fintech. The Revenued Business Card Visa Commercial Card is powered by Marqeta. H-E-B engages in the money transmission business and/or sale of stored value products as an authorized delegate of InComm Financial . IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. Any transaction that could create a negative balance for your Card Account is not permitted. Malware can include viruses and ransomware. Similar to logging in online, the app will usually provide you with a home screen once you . $4.95 Purchase Fee. Card Account Balance/Transaction History/Cardholder Agreement. 2. 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. Upon aforesaid cancellation, we will continue to honor transactions you have made up until your the cancellation is processed in accordance with this Agreement, which may take up to forty-five (45) days following your cancellation, during which regular fees will apply (if any). If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by the Card Network into an amount in the currency of your 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. Can I customize the card with my business logo? 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. Detect fraud, control your spend, and ensure the highest levels of compliance and uptime. You agree to present your Card and meet identification requirements to complete load transactions as may be required from time to time. MoneyIQ Financial Literacy and Education Center, Protecting sensitive customer and vendor information. or Sutton Bank, Members FDIC. See how Square uses Marqeta. Note that you may also be charged a fee for a balance inquiry even if you do not complete a fund transfer. 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. We, us, and our mean the Issuer and its respective successors, affiliates, or assignees. Bank of America is about $1.12 on the ATM withdrawal exchange rate. 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. 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. Merchant Holds on Available Funds. Training employees on basic internet best practices can go a long way in preventing cyber-attacks. Please read this Agreement carefully and retain it for future reference. Any translation of this Agreement is provided for your convenience. You may not use your Card for any online gambling, escort services or any illegal transaction. Managers should bear in mind that hackers dont just break into the IT department by sheer force; they look for weaknesses. 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. The Gift Card Granny Visa or Mastercard is a prepaid Card issued by Sutton Bank. It is your responsibility to check the Agreement periodically for changes. ZA Bank (Visa Debit card) *Bank-issued American Express cards aren't supported. In addition, we remind you that the Card and the related services descried herein are made available exclusively to the customers of Majority USA, LLC and that the services provided by that company are subject to the subscription fee as set out in the Majority Terms of Services. 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. 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. 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. Target Market Determinations for the products are available. Easy to Give, Easy to Use. By applying for or otherwise by activating the Card, retaining, using or authorizing the use of the Card or any other services provided by us, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien (with valid U.S. tax ID number) residing in the United States, Puerto Rico or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. You may obtain information about the current amount of money you have remaining in your Card Account by calling 1-855-553-3388. Cyber-attacks are constantly evolving, but business owners should at least be aware of the most common types. Lost or Stolen Cards/Unauthorized Transfers. For better business. You agree to retain, verify, and reconcile your transactions and receipts. 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. Any funds withdrawn from an ATM or POS device are subject to the following transaction limits (in addition to any other restrictions or limitations set out in this Agreement). Cyber-attacks are a growing threat for small businesses and the U.S. economy. Transactions in Foreign Currencies. 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. The Revenued Business Card Visa Commercial Card is powered by Marqeta. IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. Payments are then sent to fraudulent bank accounts. After diligently researching his targets for some time, the attacker will develop a few scam scenarios that might work. 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 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. Fraudulent or Criminal Card Account Activity. Helping your business make the most of the Scotiabank Visa* Commercial Card. The Visa Gift Card can be used everywhere Visa debit cards are accepted in the US. Co-Branded Credit cards allow large businesses such as retail chains, hotels or airlines to offer special discounts, cashbacks . Options may vary. Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction and the refund may not be available for a number of days after the date the refund transaction occurs. We may offer additional products, features and services to you in connection with your Card, such as SMS text message and e-mail alerts, mobile account services, bill payment services, a loyalty program, and other services. 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. You are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein. The Card is not a credit card and will not enhance your credit rating. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard. Finally, BackOffice.Co Inc. . The Card is not a gift card. Additional terms and conditions may apply. | The Revenued Business Card is a purchase of future receivables and not a loan. To initiate a signature transaction at the point of sale, select Credit and sign the receipt (if required by the merchant).