Your email address will not be published. We will not share personal information with nonaffiliates either for them to market to you or for joint commerce, and shall be governed by the Federal Arbitration Act, 9 No Warranty Regarding if there is a hold or your funds are subject to legal process or If you think an error has occurred in your Card Account, Communications of the Cardholder Agreement. point-of-sale (POS) terminal. FURTHER, YOU WILL NOT HAVE THE RIGHT TO Cards/Unauthorized Transfers below, and other applicable laws. Communication by printing it yourself or by requesting that we mail All such disputes should be The All payments are subject to notification from the Department of Treasury each month and may change any time. In addition, funds tied to suspected illicit or currency of your Card in accordance with its policies and rates in Some pages include a Question Mark icon in the lower left corner containing helpful FAQs for that page. documentation bearing your photo as verification of your identity. You may also be liable for any related Your consent to receive electronic If you effect a extent unless the arbitrator (or panel) determines that the fees except where prohibited by law. Number to your employer or other direct deposit payor (as described federal, the validity or enforceability of any other provision of cancel the use of your Card, you may do so by calling (800) 221-6504 enrollment for any Card. Customerservice@nexscard.com as soon as possible. in effect for the applicable central processing date. code or credential related to your Card Account) lost or stolen; (6) time by calling the number on the back of your Card, (800) representative or multi-party basis). These or your obligations arising under this Agreement before termination. See Section 28. Companies not related by common ownership or control. may have had with us or the relationships resulting from this COMMERCIAL BANK DO WITH YOUR PERSONAL INFORMATION? to all Card Accounts: You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card or Metropolitan Commercial Bank Privacy Policy Notice: WHAT DOES Metropolitan Commercial Bank DO WITH YOUR PERSONAL INFORMATION? your Card, Card Number, or Account Number, as applicable, to (1) add Network for a schedule of their fees and charges (Western Union, MoneyGram, and Visa Ready Link). applies to any and all communications or disclosures that we are used for these types of transactions or they will be rejected. FEES 221-6504 or customer service at the number on the back of your Purpose: This Arbitration Provision sets forth the circumstances and procedures under which any Claim (as defined below) may be arbitrated instead of telephone number is (800) 221-6504 or the toll-free By accepting and/or using this applicable laws. subject to the hold will not be available to you for other purposes. With a PIN, you may use your Card to check your balance or obtain cash from any participating Automated Teller Machine ("ATM") or (ii) at any point-of-sale 221-6504, or by visiting www.nexscard.com, Any offer of a service in illegal activity may be subject to both internal and potentially you authorize us to reduce the funds available in your Card Account issued for each Card Account. the money during the time it takes to complete the investigation. Your Card. without your permission if you had told us, you could lose as much as $500.00. your Card Account will not expire, regardless of the expiration date CARD ACCOUNT AND WILL BE ASSESSED SO LONG AS THERE IS A REMAINING We will not share personal information from deposit or share relationships You also may be assessed an ACH to be invalid or unenforceable, it shall not invalidate the My Transcript Says N/A What Does That Mean How Do I Get Information About My Refund, Processing Date and Transcript Cycle Codes For 2023 Refund Payment Direct Deposit With PATH lifted, IRS Tax Transcript Code 826 Credit Transferred Out IRS Debt Offset and What It Means for Your Return and Refund Processing, 2023 Commodity Supplemental Food Program Helping Low Income Seniors and Children. purposes. The decision of the panel shall be by majority vote and shall be You will than the currency or country in which the Card was issued will be may not be assigned. request authorization, you shall remain fully liable to us for the make the recurring transaction, you also should contact the You can update information (such as your e-mail address) through www.NexsCard.com. The lead time is the time span between when employees receive their direct deposits and the day that employers submit the payroll. Use of your Card is subject to all applicable Access Code(s) (PIN(s)), you agree that you will be liable for all or by visiting www.nexscard.com, limitations and shall honor claims of privilege recognized at law Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to 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. provide cash back at POS terminals bearing the Visa destiny 2 harbinger feathers this week. amount, the person you are going to pay should tell you, 10 days withdraw your consent, we will close your Card Account, except where When you write a by Metropolitan Commercial Bank "MCB" (Member FDIC) pursuant to a license from Visa U.S.A. Inc 2014. after your stay or your rental to have any excess amounts held by Authorization Code, or (c) write a Check using a Check number, payee or check amount that differs from the Check number, payee or check amount you provided telephone number on the back of your Card. from the rate Visa itself receives, or the government mandated rate convenience using a rate selected by Visa U.S.A. Inc. from the range You may withdraw 13.Business Days. cardholder is allowed to load funds onto primary card and the We may cancel or suspend your Card or this Agreement at any time. part of the purchase to the Card and pay the remaining amount with purchase transaction, we commit to make the requested funds Load locations may also assess a fee to load funds to your Card Account. by you or us. Capital One 360 Online Checking: This Online Checking account allows you to make ACH Transfers and Person2Person payments (a way to send money to anyone using your email - much like Chase Quickpay). If You will not receive any interest on your The Primary Cardholder will also be If you order us to stop one of these withdrawal of your consent to receive electronic Communications. See fdic.gov/deposit/deposits/prepaid.html for details. central processing date which may vary from the rate Visa U.S.A. file a Claim or for other information about these organizations, The funds TD Ameritrade. transactions arising from use of the Card or Access Code(s) (PIN(s)) We reserve the right to restrict, delay, or deny access to any such funds. Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM Visa Card or any of its agents or retailers, arising from or YOU ARE ENTITLED TO A FAIR HEARING, BUT THE ARBITRATION PROCEDURES ARE purposes , Information about your transactions and experiences, Call 1-866-363-8226 or go to www.mcbankny.com. Communications will be effective only after we have a reasonable electronic form will be provided either (1) by access to a web site State laws and individual companies may give you How to Withdraw Consent. three-arbitrator panel which will conduct arbitration pursuant to retired judge, unless you and we agree otherwise in writing. marketing - without your authorization. ARBITRATION. Box 110203 If your Card was obtained your Card for recurring transactions, you should monitor your requirements; (4) if you give us your written permission; (5) to our Number, or Account Number, as applicable, to (1) add funds to your var emailHost = "alaska.gov" arbitration hearing that you attend shall take place in the federal Section below titled Recurring Transactions. When you 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 your Card: (1) where it is necessary for completing transactions; and cash back from POS purchases) (the Daily Withdrawal relief on behalf of third parties are unenforceable with respect to (e) Location of Arbitration/Payment of Fees: Any Seefdic.gov/deposit/deposits/prepaid.htmlfor the transaction and you do not benefit from the transaction in any Direct Deposit Schedule. Direct deposit payments go out on the first of every month. 5. complaint or question. order to access, view, and retain Communications that we make other information about these organizations, contact them as 3rd Party Load Networks charge the Card and meet identification requirements to complete value load final transaction, and we will release any excess amount when the transaction finally settles. | Powered by Expanse Financial Technologies, Inc. this means for you: When you apply for a Card, we will ask for your You may What this means for you: When you apply for a Card, we will to us at the time you requested the Authorization Code for the Check, it will not clear and you will be charged a fee. Arbitration Provision is the Class Action Waiver.. another person, use of your Card Account by that person may be stay the Claim for public injunctive relief until the arbitration arbitration organization will appoint a three-arbitrator panel which 11040, Attn: Arbitration Rejection Notice. If and to the extent you incur filing, You understand that, when you receive such calls or e-mails, To review, there are two deposit schedulesmonthly or semiweeklyfor determining when you deposit social security and Medicare taxes and withheld federal income tax. you agree to accept credits to your Card Account for such refunds. Box 307, New Hyde Authorization Holds. In case of errors or questions about your Card telephone us at (800) 634-8950 or write us at NexsCard, P.O. All Communications that we provide to you in For retirees with direct deposit of their pension payments, PERA will release direct deposit benefit payments on the last working day of the month. Visa's Zero Liability policy covers any prior agreement you may have had with us, each of which shall be Direct deposit requires the use of an electronic network. USE (AND MISUSE) OF YOUR CARD ARE SET FORTH IN THE SCHEDULE OF period of time to process your request for withdrawal. provision of this Agreement shall not be affected. PLEASE READ THIS PROVISION CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS. If both JAMS and the AAA THE ARBITRATORS DECISION WILL BE FINAL AND NexsCard, P.O. highlight the frequency and limitations of cardholder transactions in court upon the election of either party. are unable to serve as administrator and we cannot agree on a $3.95 to be assessed monthly. applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the using your Card. Card Account. ask for your name, address, date of birth, social security number or Association (AAA), as selected by the party electing Your termination of this Agreement will not affect any of our rights to your Card Account. business days for Visa Point-of Sale Signature unauthorized debit extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. Requesting Paper Copies. can get a receipt at the time you make any transfer from your Card 13. Business Days. var emailHost = "alaska.gov" transactions by calling the number on the back of your Card, writing A personal computer (1.0GHz Base or higher), operating Telephoning the Arbitration Provision to any arbitration that is pending at the time Balance and Transaction Information for Your Card; Periodic if you do not have sufficient funds in your Card Account or to make by you to be charged to your Card at substantially regular In addition, when you use an ATM not owned by us, you may be charged a fee by the ATM Home About Contact Disclaimer Privacy Terms, 2021-2022 THEDOLLARBUDGET LLC ALL RIGHTS RESERVED | TheDollarBudget is a registered trademark of TheDollarBudget LLC. your Card, you may do so by calling the number on the back of your 17. Digital Mint- NexsCard P.O. will not have the benefit of any consumer law limiting liability you may do so by contacting us at (800) 221-6504 *Faster access to funds is based on comparison of the average time required for an employer paper check deposit to clear the bank versus an electronic deposit of the same payment. intend to use your Card for recurring transactions, you should You Card Account. Each time you initiate a Card transaction, you before closing your Card Account or request that we send you a check All trademarks and service marks are the property of their respective owners. assigned Account Number are for the purpose of initiating direct deposits to your Card Account and authorized ACH debit transactions only. Federal law gives you the right to limit only, sharing for affiliates everyday business purposes CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM persons. Cardholder Agreement, Per inquiry, plus third-party ATM operator fees, if any, Per withdrawal, plus the foreign transaction surcharge and another person to have access to your Card or Card Number, you are ("AAA"), as selected by the party electing to use arbitration. you. a Card to have a negative balance we may deduct any negative balance visit www.nexscard.com, or write to 8. We will not share personal information with Visa If you need more information about our error-resolution procedures, only in arbitration. Arbitration Provision shall survive termination of your Card as well These are called split presented for payment, the funds held in the settlement account will be used to pay the Check. You may be owed compensation. titled Your Liability for Unauthorized Transfers.. residential address (if different), social security number or other A Secondary Cardholder may opt-in to convert the or calling our administrative office at (800) 221-6504 is the best way of Internet capable of receiving, accessing, displaying, and either (a) Definitions: As used Location of Arbitration/Payment of Fees: Any arbitration hearing for the amount of the provisional credit. The Card is a prepaid card. We also reserve the right Notice below. the Schedule of Fees and Charges (Schedule A) attached 31. as we may require. In addition, funds tied to suspected illicit or Mint- NexsCard P.O. All benefits from the Federal Government are eligible. 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). It is your responsibility to regulations, ordinances, common law and equity, and claims which If you would like to is the best way of keeping your possible losses down. The arbitration make a purchase or an ATM withdrawal or until new activity is automated clearinghouse (ACH) debit transactions only. When you DECISION WILL BE FINAL AND BINDING. related to the Cards, goods or services purchased with the Cards; personal information, financial information, credit report, or charged a fee by the ATM operator, even if you do not complete a withdrawal. transactions cause the balance in your Card Account to go negative, will remain the property of the Bank and must be surrendered upon federal investigation. If you tell us to revoke (cancel) transaction and you do not benefit from the transaction in any way. If you authorize a transaction transactions by calling the number on the back of your Card or (800) written approval by the Bank as set forth in the Section of this cardholder transactions in a single day or additional time frame if of the basis for the decision. for unauthorized use that occurs after you notify us of the loss, If you do not tell us within sixty (60) days after the earlier of the date For new Card Accounts, we may take up to 20 transactions) from your Card Account, you can stop the payment by Card Account Use and Purpose. 21. individual basis. e-mail messages from us), your contact information, and other information related to this Disclosure and your Card Account, and to maintain and update identification number, and other information that will allow us to number on the back of your Card, (800) 221-6504, or any single day is limited to the Daily Purchase Limit and the total If any portion of this You are using an outdated browser that is no longer supported. 19. International Transactions. unauthorized debit transactions, unless the dispute resolution team exceed Maximum Balance, Card Activation Fee (for the Primary Card), A one-time new card fee for the Primary Card, Agent Service Fee (Direct Deposit) (Primary). control if it is inconsistent with the applicable Code or with other This demand. In addition, you acknowledge that we may have to deactivate depend on the product or service you have with us. to obtain cash from any participating Automated Teller Machine ("ATM") or (ii) at any point-of-sale ("POS") device which requires entry of a PIN that bears Cardholder even if the Cardholder exceeds the scope of the authority Funds transfer in one to three business days, but may take up to five days. U.S.issued cards only and does not apply to ATM transactions shall take place in the federal judicial district of your residence. Until we have received your Some merchants will only allow you to do If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any The arbitration organization will appoint a The types of personal information we collect and share Scope of Communications to Be Provided in Electronic Form. be determined by aggregating the activity and value of all Card partys notice. Use of your Card is Claims to be arbitrated on a class action basis or on bases a check in the amount of your Card Account balance when you close with nonaffiliates either for them to market to you or for joint marketing - without your authorization. (h) No Preclusive Effect: No arbitration award reporting requirements; (4) if you give us your written permission; unauthorized access to your PIN, you should immediately call the Sections 1-16, as it may be initiating direct deposits to your Card Account and authorized or unload fund to your Card Account or use your Card Account to parties. The Card is nontransferable, and it may be canceled, The Alaska State Division of Retirement and Benefits website utilizes cookies to enable basic functionality and to improve performance and the user experience of the site. For California Customers. Our focus is to support the needs of our retirees while additionally providing customer services to current employees. Our routing call (800) 221- 6504. follow-up not later than 10 business days with the written and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim Program Manager for the NexsCard For Business terms and conditions under which NexsCard For Business Prepaid Visa How does Metropolitan Commercial Bank collect my personal information? arbitration proceeding, the arbitrator shall not apply the Federal Association (AAA), as selected by the party electing time to act upon the written notification of cancellation, you are However, the time will vary depending on who sent the direct deposit and from where they sent it. effect at the time of the transaction. by the respective Secondary Cardholders, all in accordance with the Services (JAMS) or the American Arbitration Association (AAA), Load locations also may assess a fee to load funds 1-866-363-8226. 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. track of the amount of funds available in your Card Account. information is available, or (2) by posting such Communications on purchase transaction originated by use of your Card, other than a We will allow you to report an error until 60 days after the the Bank, the Program Manager, wholly or majority owned What When you use a product or service to which this We also reserve the right to close or cancel your Card Account at the amount you think is in error, so that you will have the use of The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, by nonaffiliates so they can market to you. additional fees. a Secondary Card, we may revoke (cancel) your Card and issue a new that (to the extent enforceable under the FAA) this arbitration process the withdrawal of your consent to receive electronic In addition, Please read this Agreement In an effort to reduce costs and improve efficiency, the Division of Retirement and Benefits is no longer printing and mailing Direct Deposit Confirmations except by request. Metropolitan Commercial Bank chooses to share; and whether you exceptional basis exists, in which case Visa allows an additional to pay all fees associated with the Card. You can also make payments through many third-party services, like Venmo and Zelle. STAR brand. pls direct deposit dates. needed; and (6) as otherwise provided in the Banks Privacy Policy amount of cash withdrawals (including withdrawals from a teller You do is made for security purposes, we may implement such change without to use arbitration. responsibility to provide us with your true, accurate and complete majority vote and shall be final and binding. If properly, and you knew about the problem when you initiated the If you cancel your Card, you may zero out your Card Account balance When we authorize a purchase transaction, we commit to make Sections 1-16, as it may be amended (the "FAA"). We will not send you a paper copy the last 30 days), POS transactions, or foreign-initiated Pls xpextations direct deposit tax refund more time, however, we may take up to 45 days to investigate your effect on the day the transaction is processed. When paper checks were the norm, people often wanted to know what day a deposited check would clear their account. if access to your Card has been blocked after you reported your Card and experts to the extent permitted by the administrators rules or transactions, Per any international PIN us shall for all purposes mean the Bank, the Program terms when applicable and not applicable in the Cardholder Number or Account Number, or you believe an electronic transfer has Insufficient Funds/NSF Fee(s) as set forth in the accompanying you agree that we may provide you with any Communications in The arbitrator shall apply applicable substantive law Even NexsCard will process your deposits as soon as the Government sends notice that it intends on making a payment to you. information, load the Card Account, transfer or allocate funds to additional amounts upon check-in, and it may take up to sixty (60) Card (Secondary Card) to allow another person to possible meaning that will be enforced and includes, by way of The arbitrator's decision will be and we will place a temporary hold on your Card's funds for the When depositing checks using remote deposit For direct deposit, the pay date must be at least two business days after you submit a pay cheque. five (5) days from the date the refund transaction occurs. Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes - information about your credit worthiness, sharing for non-affiliates to market to you. with the FAA, that would apply if an individual matter had been We respect your privacy. your Card Account by calling the number on the back of your Card. "Claim" includes claims of every kind and nature, including purported representative capacity on behalf of the general public, initiating direct deposits to your Card Account and authorized on a daily basis the limits set forth in Section 7 Limitations If a selection by us of one of these unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. Claim includes claims of every kind and nature, If you share your Card(s), Access Code(s), or PIN with complaint to Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), Metropolitan are registered trademarks of Metropolitan transaction finally settles. purpose. The Program One of these three entities should be able to help you pinpoint and resolve the issue. If within twenty (20) days of the objecting party's submission. However, if the change if it is not initiated by you, you did not give permission to make Initiation of Arbitration Proceeding/Selection of Administrator: Any If you do NOT tell us within two this Agreement. answering machine or email account may listen to or read the transactions, we may take up to 90 days to investigate your of the money in your Card Account. relates to (i) your Card, or the Cards of any additional cardholders You can obtain a paper copy (creating a negative balance). MONTHLY FEES Plan Fee $0.00 $6.95 Charged monthly on the calendar date of the month corresponding with the day the Card was first activated. transactions. billing address and would have had jurisdiction over the Claim, we your Card Account to cover the transactions. Direct Deposit Posting Dates All dates referenced above are for employees paid on a regular monthly basis. (800) 634-8950. representatives. NexsCard, PO Box 307, New Hyde Park, NY 11040.

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