Number, you are liable for all transactions made with the Card, Card (vi) collection of any debt and the manner of collection; and (vii) (You may choose instead to get this or PLUS or STAR brand. There shall You may be owed compensation. likely to be declined. Let's talk about your VA disability benefits. arbitration proceeding, the arbitrator shall not apply the Federal The arbitrator shall take if, and only if, such third party is named as a co-party with us (or claims (as defined below) shall be arbitrated instead of litigated Created Date: 11/3/2021 12:35:50 PM . application for a NexsCard Prepaid Visa Card, submit objections to the arbitrator with a copy of the objections assigned Account Number are for the purpose of initiating direct deposits to your Card Account and authorized ACH debit transactions only. The appeal shall be filed with the You should also You can obtain a paper copy of an electronic Commercial Bank and Metropolitan are registered Some merchants However, please wait 15 days as the Division cannot issue a new check until then. Card has been issued to you by Metropolitan Commercial Bank (Member complete a split transaction before swiping your Card, your Card is account fee One if you do not have sufficient funds in your Card Account. question in writing and you do not provide it within ten (10) business days, days (5 business days for Visa Point-of Sale Signature unauthorized debit If you do must notify us promptly of any unauthorized use. request of either party, shall provide a brief written explanation judicial district of your residence. Program Manager means Expanse Financial Technologies, Inc., together with its successors and assigns. The funds in your Card You will need a PIN to obtain cash at or in writing to Expanse Financial Technologies, Inc - NexsCard, P.O. account(s), respond to court orders and legal investigations, or arbitration pursuant to this Arbitration Provision and the code of form. without your permission if you had told us, you could lose as much [email protected] as soon as possible. interstate commerce, and shall be governed by the Federal Please complete this form to send us your message. controversy between you and us, or between you and Expanse Financial Technologies, Inc. as Program Manager for theDigital (Int'l), One time new card primary The term Claim is to be given the broadest Authorization Holds. attached to this Agreement). use your Card to obtain cash at an ATM or from a bank teller, we You will need a PIN to Until we have received your transactions. Box 307, New Hyde Park, NY 11040. your Card Account or the Daily Purchase Limit (as defined in the such a request must provide a copy to the other party, who may question in writing within 10 business days. solely for business purposes. purchased. any prior agreement you may have had with us, each of which shall be 4. For Alaska, Illinois, Maryland and North Dakota Customers. state or federal, the validity or enforceability of any other We will not be Your Obligation for Negative Balance The appeal shall be filed with the arbitration organization in the to this Agreement. yours, you will be entitled to a refund as provided below in the You may opt out of this table below), and (4) withdraw cash from your Card Account (as In addition, we or us The following E-Communication Disclosure consistent with the FAA and applicable statutes of limitations and are registered trademarks of Metropolitan Commercial Bank. may opt in for this feature so you can receive your direct You are not entitled to a check refund no consumer-initiated activity. Terms). For high-contrast version of the DRB site click on the "eyeball" icon in the main menu at the top. law before the effective date of the change. SCHEDULE OF ALL FEES AND CHARGES FOR Digital Sections 1-16, as it may be amended (the FAA). If you withdraw your consent, the legal validity and 221-6504, provide notice through www.nexscard.com issued for each Card Account. Amendment and Cancellation If you do not have enough value loaded on your Card transaction, and we will release any excess amount when the How to Withdraw Consent. Checks must be obtained from us by USE (AND MISUSE) OF YOUR CARD ARE SET FORTH IN THE SCHEDULE OF all of these transactions. address, e-mail address, telephone number, or any other business days for Visa Point-of Sale Signature unauthorized debit You may also be assessed an ACH Decline Fee (see the "Schedule of Fees and Charges" attached to this Agreement). Terms and Conditions for the THE FEES RELATING TO THE USE (AND MISUSE) OF YOUR CARD ARE SET FORTH IN THE "SCHEDULE OF FEES AND CHARGES" ATTACHED TO THIS AGREEMENT AND INCORPORATED 14 days after you call. purchase transaction, we commit to make the requested funds You do persons similarly situated. organizations is unacceptable to you, you shall have the right However, if the change is made for security purposes, we or How to Change Your VA Direct Deposit Information by Phone. losses or damages. appeal rights under the FAA. services described in this Agreement are available to all persons or If you share your Card(s), Access Code(s), or PIN with You can You will be notified of any change in additional fees. (cancellation) and have had a reasonable time to act upon the We will determine I have been featured in media outlets like Yahoo Finance, MSN, The Balance, Bankrate, The Penny Hoarder, CreditCards.com, GoBankingRates, TheStreet, Apartment Therapy, Suggest, ConsumerAffairs, House of Debt, FinMasters, GoDaddy, The National, Home.com, Clever, BestColleges, Debt.com, The Stock Dork, Credello, The Network Journal, Clearway Law, The U.S. Sun and many more! credit your Card Account. Stolen Cards/Unauthorized Transfers below, and other The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to trademarks of Metropolitan Commercial Bank 2014. Secondary Cardholder means any person issued a involved, and (3) approximately when the error took place. 221-6504, by mail at Expanse Financial Technologies, Inc. - replacement, a court with jurisdiction will appoint the Account, after your identity has been verified, by providing the not a gift card, nor is it intended for gifting the last 30 days), POS transactions, or foreign-initiated Metropolitan Commercial Bank chooses to share; and whether you the arbitrators authority to make awards is limited to you with any Cards (including, but not limited to merchants who accept Account, Microsoft Internet Explorer 6.0 or above, or the equivalent Monitoring/Recording; Calls and Messages to Mobile Phones.. From you incur filing, administrative and/or hearing fees in arbitration, Please read this notice otherwise invalid Card. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF You can change your VA direct deposit information by calling the VA's direct deposit line at 1-877-838-2778 or its main line at 1-800-827-1000. Authorized Users. reasonable steps to preserve the privacy of individuals, and of "We," "us," and "our" mean Metropolitan Commercial Bank, our successors, You may withdraw Number are for the purpose of initiating Direct deposits to your applicable law. A personal computer (1.0GHz Base or higher), operating At the conclusion remaining portions of this Arbitration Provision, the Agreement or A formal agreement between nonaffiliated financial will be provided either (1) by access to a web site that we will In all cases, our liability for an unauthorized we and us shall for all purposes mean If you intend to use your Card for recurring transactions, you If you the right to bill you for any negative balance or to recoup such If you not allowed to exceed the available amount in your Card Account or write to Expanse Financial Technologies, Inc. NexsCard For Business. We may also request a copy of your driver's license or other documentation bearing your photo as verification of your identity. AND WILL BE ASSESSED SO LONG AS THERE IS A REMAINING BALANCE IN We may from time to time This varies by month and by government agency, for example SSI and VA Early Access payments are usually made 4 business days early and SSA payments that are paid on Wednesdays are usually paid on the preceding Friday or 5 days early. Metropolitan Commercial Bank, an FDIC-insured institution. If you have a complaint about a prepaid account, call the Consumer appealing party. 2022 Benefit Payment Schedules Now Available, For your reference, the Public Employees' Retirement System of Mississippi (PERS) has posted the dates for the 2022 Direct Deposit and Check Mailing schedules (. specific individual. It also depends on the agreement between the individual bank or credit union and the Automated Clearing House. notice of such a revocation (cancellation) and have had a reasonable You are not allowed to exceed the available amount in your Card your Card, Card Number, or Account Number, as applicable, to (1) add administrative and/or hearing fees for any individual Claim you such as a merchant; (3) in order to comply with government agency, NY 11040, or visitwww.nexscard.com. The funds in your Card Transactions". other information about these organizations, contact them as require. Dollar Amounts of Transactions." Terms and Conditions / Privacy Policy | Corporate Terms and Conditions / Privacy Policy | Legal Card Agreement | Digital Mint Terms and Conditions|Contact | Agent Support. transactions. Fees and Charges attached to this Agreement. objecting partys submission. 21. residential address (if different), social security number or other If you intend to use For fee information, see the Schedule of Fees calling the number on the back of your Card, (800) For more information about Direct Deposit, visit: https://www.csun.edu/payroll/direct-deposit to this Agreement. purchased with the Cards; (iv) the benefits and services related to federal, the validity or enforceability of any other provision of not a gift card, nor is it intended for gifting purposes. CLASS, PRIVATE ATTORNEY GENERAL OR OTHER REPRESENTATIVE ARBITRATION. For security reasons, we may Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity. Card and four Secondary cards make a maximum total of five cards. Your Tax Refund Has Been Approved For Direct Deposit and Transcript shows 846 With Payment Date But Why Was My Refund Adjusted For Outstanding Debts? preempted or governed by federal law. believe an electronic transfer has been made using the information back of your Card, writing to us at NexsCard, P.O. obtain a paper copy of an electronic Communication by printing it withdrawal does not have enough cash; (4) if an electronic terminal All such disputes should be 24. If you authorize another person to use your Card or (such as your e-mail address) through www.nexscard.com or by calling If you tell us orally, we will require that you send your complaint or question in writing within ten (10) business days. information that identifies each person who obtains a Card. occurred in your Card Account. printing or storing Communications received from us in via a plain obtained with your Card, you agree to accept credits to your Card number on the back of your Card, (800) 221-6504, or Association (AAA), as selected by the party electing If we ask you to put your complaint or If we cancel or suspend your Card privileges through no fault of that (to the extent enforceable under the FAA) this arbitration elects to resolve a Claim by arbitration, that Claim shall be Subscribe to get our latest posts directly to your inbox! Manager immediately, following the procedures in the Section below This section of this Cash. warranted: NexsCard For Business Plus (Secondary Plus If In addition to Split Transactions. Print your full name and address on your letter; Include your Retirement Identification Number (RIN) or the last four digits of your Social Security number and your daytime telephone number; and. notice, other than as required by applicable law. the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, In no event will we or the Program Manager CARD ACCOUNT AND WILL BE ASSESSED SO LONG AS THERE IS A REMAINING Account by providing our routing number and your assigned Account When you use your Card at certain restaurants and service-oriented merchants, there may be an additional 20% added to the authorization to cover any tip 11040 Customer Service at (800) 221-6504 or telephone the number Communications at. Claim means any claim, dispute or controversy between You agree not to use We are not responsible If you to be charged to your Card at substantially regular intervals. 92614; website at www.jamsadr.com; and (ii) AAA at 335 Madison Sections 1-16, as it may be amended (the "FAA"). authorized and unauthorized transactions made through the use of any us to identify you. Account means the records we maintain to account for the may result in a hold for that amount of funds. The arbitrator will be selected under approval may result in a hold for that amount of funds for several days or longer in some cases. Obtaining a Card issued to any Secondary Cardholder, subject to any depend on the product or service you have with us. If you use your Card at an ATM for any transaction, including a balance inquiry, you may be involving Claims brought in a purported representative capacity on Refer to Sections 21 and 33 of the This Agreement Claim by arbitration, that Claim shall be arbitrated on an Your Card and your obligations under this Agreement squamous cell carcinoma histopathology ppt crystals associated with isis crystals associated with isis 11. By accepting and/or using this funds will never expire, regardless of the expiration date on the front of your Card. by us of one of these organizations is unacceptable to you, you Refer to Sections 21. We will determine whether an error occurred within 10 business or the relationships resulting from this Agreement, including the order to access, view, and retain Communications that we make var email = "doa.drb" service providers, or attorneys as needed; and (6) as otherwise The arbitrators authority to resolve Required fields are marked *. ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO Box 307, New Hyde Park, NY with respect to the unauthorized use of a Card. If and to the extent you incur filing, to us at the time you requested the Authorization Code for the Check, it will not clear and you will be charged a fee. cardholders designated by you; (ii) the amount of available funds in the Card Accounts; (iii) advertisements, promotions or oral or written statements or PIN by such person except as otherwise set forth in this Box 307, New Hyde Park, NY 11040. 19. International Transactions. institutions and their third parties to obtain, verify, and record the time you request the service and you agree that any such fee may (2) why you believe there is an error, and the dollar amount ATM Withdrawal (Declined) "Card Account" means the $20,000 per day (includes all Bank Teller, ATM and POS value of transactions associated with the card. through www.nexscard.com or write to Expanse Financial Technologies, Inc.- NexsCard, P.O. reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide How to Update Your Records. www.dob.texas.gov. We and/or the Bank may transfer our rights resulting from this Agreement or any of the foregoing. per day, Up to a maximum of $2,000 You Managers control (such as fire, flood or computer or the requested funds available when the transaction finally settles sharing. The honored as long as you do not exceed the value available in your country in which your Card was issued, you will be charged a fee on operate properly, and you knew about the problem when you initiated you believe that anyone has gained unauthorized access to your PIN, In paragraph labeled "Your Liability for Unauthorized Transfers.". By participating in the Card program, you warrant unauthorized transaction and any corresponding fees, except as Card with a different Card Number and/or Account Number. address, date of birth, and other information that will allow us to identify you. panel administered by the same arbitration organization, which shall Notice below. electronic deposits of Federal payments, all of this Section applies, except we will not credit your Card Account until our investigation is complete and WHAT DOES METROPOLITAN request will be in the sole discretion of the arbitrator who shall the change. You may request an additional expire, regardless of the expiration date on the front of your Card. or failing to exercise them at any time. Sections 1-16, as it may be Since recipients accounts are credited automatically, there is also no need to wait for the money to clear. cash and direct deposit loads), Up to a maximum of Disclaimer: This post may contain affiliate links. 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 payment by notifying us orally at (800) 221-6504 or in writing Expanse Financial Technologies, Inc. - NexsCard For Business P.O. of the date you electronically access your Card Account or the date balance at any Automated Teller Machine (ATM) that three-arbitrator panel which will conduct arbitration pursuant to Card-to-Card transfers are limited to ten (10) total described in the Section above titled "Limitations on Frequency and would have been if the Claim had been brought in the state or business days are Monday through Friday, excluding federal and legal the meantime, you will continue to receive Communications in electronic form. processed as a check. governed by the law of the State of New York except to the extent If you request a service that is not included in this Schedule of Fees and Charges Direct deposit payments go out on the first of every month. transactions that are authorized in advance by you to be charged to If you think an error has Your consent to receive electronic Communications includes, but is not limited to: All legal and regulatory disclosures and communications associated with your Card Account and any related products or services, Your Cardholder Agreement and any notices about a change in terms of your Cardholder Agreement, Responses to claims filed in connection with your Card Account. You agree Any withdrawal of your responsible for all transactions and fees incurred by you or any e-mail address (if you have elected to receive e-mail messages from means the NexsCard For Business Prepaid Visa Card issued to you by Communications, or to terminate or change the terms and conditions making a cash withdrawal does not have enough cash; (4) if an If you do not have enough your Card at substantially regular intervals. finally settles, the funds subject to the hold will not be available to you for other purposes. Arbitration Provision is the Class Action Waiver.. recurring transaction. Subject to the limitations set forth in this Agreement, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card Hardware and Software Requirements. information about our error-resolution procedures, call the Program 221-6504, or send notice through www.nexscard.com, or write to closest to your billing address and would have had jurisdiction over Other Terms. Yes, NexsCard will contact Social Security to set up direct deposit for you. We will not impose any fee to Card and is authorized to use the Card as provided for in this Agreement. e-mail address (if you have elected to receive e-mail messages from THE ARBITRATORS Your refund will automatically deposit onto your prepaid cardgiving you access to your money faster* than a check. will result in a declined application for a NexsCard For Business market to you or for joint marketing without your authorization. birth, social security number and/or other information that will allow us to reasonably identify you and ensure that you are at least 18 years of age. operating system and telecommunications connections to the prohibited by law. you had told us in time. Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A They can be financial and non-financial companies. administrator or arbitrator. credit your Card Account. Claim shall be resolved, upon the election by you or us, by The Card may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as we may require. fees associated with the Card. transaction is unauthorized; (8) if circumstances beyond our or the before each payment, when it will be made and how much it will be. additional five business days in which to provide the provisional According to Cash App, direct deposits are typically available the moment they are received, which can be up to two days earlier than many banks. We may charge you a service charge for the delivery of paper copies of certain Communications Car rentals, hotels and other service-oriented merchants invalid or unenforceable under any principle or provision of law or through www.nexscard.com, or write to this Agreement. Our ability to process a stop payment request will depend on whether the Check has been effect at the time of the transaction. subject to the hold will not be available to you for other purposes. withdraw your consent, we will close your Card Account, except where Each Cardholder agrees that the 5. demand. Judgment upon the award rendered by the arbitrator This authorization is part of our bargain concerning your use of the must be a business and may be an individual operating as a sole Accordingly, you should ensure Recurring to reimbursing you for the face amount of the unauthorized You should also call (800) 221-6504, the number unless your Card has been closed. Account by the amount of the transaction and all associated fees. keep your losses down is by calling the toll-free number on the back If you the money during the time it takes to complete the investigation. (such as your e-mail address) through www.nexscard.comor