Friday, March 3, 2023. Tell me more. Use the Supply Chain Risk Management Toolkit to help shield your business information and communications technology from sophisticated supply chain attacks. 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. EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE CARD OR RELATING TO OR ARISING OUT OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Once they have them; they can use them to transfer money out of your bank account and into theirs. You agree to present your Card and meet identification requirements to complete load transactions as may be required from time to time. 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. 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. 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. 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. Product. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account. Activating Your Card: You must activate your Card before it can be used. If you need more information about our error-resolution procedures, please contact Customer Service. You are responsible for all authorized transactions initiated and fees incurred by the use of your Card. If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the cardmember agreements for any other currently open Majority accounts you have will not apply to you, except for any claims subject to pending litigation or arbitration at the time you send your rejection notice. Please read this Agreement carefully and keep it for future reference. This means that you may need to visit more than one merchant if you are seeking to withdraw cash in an amount which is less than or equal to the total limit above, but more than the limit established by the individual merchant. Crypto cards. 20192023 MAJORITY USA, LLC. Gonczi called Sutton Bank to investigate. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Sutton Bank is not making the credit decision. Sumissura . WE RESERVE THE RIGHT TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER SUBJECT TO INDEMNIFICATION BY YOU, IN WHICH EVENT YOU WILL COOPERATE IN ASSERTING ANY AVAILABLE DEFENSES. Combine the flexibility of a credit card with the predictability of a personal loan. 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. 26. | The Revenued Business Card is a purchase of future receivables and not a loan. We may disclose information to third parties about you, your Card, or the transactions you make: Where it is necessary or helpful for completing transactions; In order to verify the existence and condition of your Card for a third party, such as a merchant; In order to comply with government agency, court order, or other legal or administrative reporting requirements; If you consent by giving us your written permission; To our employees, auditors, affiliates, service providers, or attorneys as needed; In order to prevent, investigate or report possible illegal activity; In order to issue authorizations for transactions on the Card; Otherwise as necessary to fulfill our obligation under this Agreement; Please see our Privacy Policy, available at https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf for further details. Small businesses are attractive targets because they have information that cybercriminals want, and they typically lack the security infrastructure of larger businesses. Click on this link to access the MoneyIQ for Business Financial Literacy and Education Center. 2. Please read this Agreement carefully and retain it for future reference. 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. 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. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. 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. The maximum amount that can be spent using your Card is: Cash Access. The employees are targeted in order to obtain personally identifiable information (PII) or tax statements of employees and executives, important data that can be used in future attacks. You can also replace your Card by contacting our Customer Service (contact details at the very top). Reporting (and deactivating) a lost or stolen Card can also be made via the App. Access spending data through convenient web access for exceptional program reporting. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. To initiate a PIN transaction at the point of sale, select Debit and enter your PIN at the point of sale terminal. Easy to Give, Easy to Use. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Consider its appropriateness to these factors before acting on it. See our Rewards Terms and Conditions for Cash Back and the Welcome Bonus for details. $4.95 Purchase Fee. Credit Cards. 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 Visa Gift Card can be used everywhere Visa debit cards are accepted in the US. 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. These are called split transactions. Some merchants do not allow cardholders to conduct split transactions. This means that the innate human tendency to be a social creature is what will be exploited here. These types of requests are done usually through email or phone and take place at the end of the business day when the victim is tired and less focused. Why you believe there is an error, and the dollar amount involved, 3. with your Visa Commercial card. 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. Accounts are FDIC-insured up to $250,000. You always find the most recent version of this Agreement in the Majority Mobile Application (App) and on https://www.majority.com (Website). Now, if you are Cashing Out from your CA the instant option uses the card network to your linked Debit card, like a merchant making a refund . All funds associated with the Card shall be held in an account with the Issuer, with the balance of such funds to be reduced through your use of such funds or through the imposition of fees and other charges in accordance with the terms and conditions of this Agreement. The Card is not for resale and may not be transferred or assigned. You will not receive any interest on your funds in the Card Account. Password-protect access to the router. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. 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. Administrative privileges should only be given to trusted IT staff and key personnel. On-demand services. The Revenued Business Card Visa Commercial Card is powered by Marqeta. A dedicated specialist from Scotiabank is ready to assist - from consultation to implementation to help ensure your team takes full advantage of the program. Visa Gift cards can be used nationwide in-store and online, where Visa debit cards are accepted. This information, along with a 12-month history of the Card Account Transactions, is also available via the MAJORITY App. Merchants generally will not be able to determine your available balance. ZA Bank (Visa Debit card) *Bank-issued American Express cards aren't supported. To initiate a signature transaction at the point of sale, select Credit and sign the receipt (if required by the merchant). Configure all software to install updates automatically. Banco Nacional Ultramarino, S.A. (Mastercard and UnionPay debit cards, Visa and UnionPay credit cards) . If you do not agree to the terms and conditions contained in this Agreement, do not activate or use the Card and contact Customer Service to cancel your Card. Legacy payment solutions are slow, rigid, and lack fraud controls. Be sure to use different passwords for your different accounts. Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases. Sutton Bank, Member FDIC, issues the Upgrade Card, which allows access to the personal credit line. $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions **. Amendment, Suspension and Cancellation. Adult and Child/Youth Opal cards are also available over the counter from most retailers, including most convenience stores and newsagents. Visa Business credit cards. Approximately when the error took place. About Your Card and this Cardholder Agreement. Note that you may also be charged a fee for a balance inquiry even if you do not complete a fund transfer. 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. Fast, free, and easy-to-use debit card; Select from a variety of fantastic debit card rewards through My Sutton Rewards; Safer than carrying cash; More convenient and safer than checks; Eliminate cost of purchasing checks; Make purchases anywhere Visa is accepted; 24/7 access to funds via ATMs free at Sutton branches This type of scam usually targets employees from the HR and bookkeeping departments. If you want to cancel the Card, the Card Account and this Agreement please contact Customer Service. Expense management. The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. . Unfortunately, cybercriminals have discovered how to steal your hard-earned money. You will not be charged a fee for this information unless you request it more than once per month. 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. In most BEC attacks, there are three major stages: Also known as the man-in-the-email attack, BEC scams start with a large amount of research, with the attacker going through publicly available information about the company, like websites, press releases, or social media published content. 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 the terms and conditions under which the Majority Prepaid Visa Card (Card) has been issued to you by Sutton Bank (pursuant to a license by Visa USA Inc.), as well as the records maintained by Sutton Bank to account for the funds associated with the Card (Card Account). We do not waive our rights by delaying or failing to exercise them at any time. Download your bank app. Bank of America normally charges a $5 ATM fee. 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. Such software is readily available online from a variety of vendors. Malware can include viruses and ransomware. Yes, you can add your own logo or create a custom credit card with the background image of your choice. 2022 Marqeta, Inc. 180 Grand Avenue, 6th Floor, Oakland, CA 94612. The Revenued Business Card Visa Commercial Card is powered by Marqeta. Mega International Commercial Bank ( Visa credit and debit cards, JCB and MasterCard credit cards) Shin Kong Bank (Mastercard and Visa . BY ACTIVATING YOUR CARD OR PARTICIPATING IN THE PROGRAM IN ANY WAY, YOU REPRESENT THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT AND OUR PRIVACY POLICY. The Card is a prepaid card. You are responsible for keeping track of your Card Account available balance. Every prepaid Visa Gift Card design can be sent as an eGift Card by email or a plastic Gift Card by mail. Small business lending. 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. IN ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY. - Transfer Funds. (419) 756-2449. The Card is not a credit card and will not enhance your credit rating. MoneyIQ Financial Literacy and Education Center, Protecting sensitive customer and vendor information. edX . The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by the Card Network from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate the Card Network itself receives, or the government-mandated rate in effect for the applicable central processing date. Keep your money in your wallet. 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. We, us, and our mean the Issuer and its respective successors, affiliates, or assignees. For better business. If you do not have enough funds available in your Card Account for the amount authorized by you, your transaction will be declined. When you notify us about an error we may require that you complete our error/dispute form which you need to complete in writing and provide to us within the (10) business days. Our business days are Monday through Friday, excluding US federal holidays, even if we are open. 37. You may not use your Card for any online gambling, escort services or any illegal transaction. 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. If we ask for specific identifying documents, we will have the right to immediately close or suspend your Card Account if those specific documents are not provided. We value their cutting-edge technology, reliability, and easy to use platform APIs.. The PIN must be used on all automated teller machine (ATM) transactions and PIN transactions. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard. The Upgrade Visa Card with Cash Rewards comes with an annual fee of $0 and an 8.99%-29.99% regular APR. 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). Loads are available on the business day when final collected funds are received by us unless a longer time is permitted by applicable law. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. . The PIN you set will apply both in relation to your Virtual Card and your Plastic Card. For Westpac issued products, conditions, fees and charges apply. Learn about the threats and how to protect yourself. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. If the merchant credits your Card, the credit may not be immediately available. The Revenued Business Card Visa Commercial Card is powered by Marqeta. The Card is not a device that accesses money in an individual checking or savings account. Perfect for All Occasions. Developed by the DHS Cybersecurity and Infrastructure Agency (CISA), this toolkit will help you raise awareness and reduce the impacts of supply chain risks. You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or have been loaded into the Card Account on your behalf. . 14.99% - 29.99%. Use theSupply Chain Risk Management Toolkitto help shield your business information and communications technology from sophisticated supply chain attacks. Industry leaders across on-demand delivery, expense management, digital banking & more use Marqeta to quickly launch programs. $0. All you need to do is complete a brief online questionnaire about your company operations, founders and sources of funding. Additional terms and conditions may apply. The attacker will try to either obtain access to the email addresses of the influential people in the company or just impersonate them. 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. Secure your networksSafeguard your Internet connection by using a firewall and encrypting information. 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. We will attempt to communicate with you only by use of the most recent contact information you have provided to us. One final way to obtain your debit card balance is through your bank's app. Earn cashback rewards on eligible purchases with no cap. Westpac purchasing card. You are wholly responsible for the use of each Card according to the terms of this Agreement subject to the section labeled Lost or stolen cards/unauthorized transfers below, and other applicable law. If you use your Card after such notice or modification is provided, you are agreeing to the change. You Should also make sure to update your security software regularly and keep a backup of your data. State-chartered Sutton Bank, which operates eight branches in four counties in Ohio, has issued 11 million Visa, Mastercard, and Discover payment card accounts. TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOUR RECOVERY FOR ANY ALLEGED NEGLIGENCE OR MISCONDUCT BY US SHALL BE LIMITED TO THE TOTAL AMOUNT LOADED ON THE CARD. Control physical accessPrevent access or use of business computers by unauthorized individuals. 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. Lodge with frequently used pre-approved suppliers. Ransomware is usually delivered through phishing emails and exploits unpatched vulnerabilities in software. You can mitigate these risks using clear communication of roles and expectations whilst providing appropriate guidance in the use of IT and accounting controls. This Agreement is revised periodically, so it may include changes from earlier versions. Use at Millions of Locations Worldwide. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. No cash or ATM access. We further reserve the right to offset any negative balance by any current or future funds you may load to or maintain in your Card Account or funds in any other Card Account you maintain with us now or in the future. You agree that the Issuer, Majority USA, LLC, and their respective affiliates, employees, or agents are not responsible for any interruption of service. Already a Revenued cardholder? 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. 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. 3. IF YOU HAVE QUESTIONS ABOUT THIS REQUIREMENT, PLEASE CONTACT CUSTOMER SERVICE. It is important to know your available balance before making any transaction. VISA with Rewards. Our 5-star customer service team is here to answer any questions you may have. 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. Total credit lines from $500 to $25,000. Although it may seem obvious, human error is responsible for 95% of effective cyber-attacks. SUTTON BANK PREPAID RULE LONG FORM DISCLOSURE. Complimentary insurances. Any different agreement regarding arbitration must be agreed to in writing. 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. *When consolidating purchase volume processed through Marqetas platform in 2019. or Sutton Bank, Members FDIC. Alexandra Barring, Banking Moderator . Insurance. 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. 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. Marqeta is the world's first modern card issuing platform. However, certain third-party fees may apply as further described below. 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. Transactions Routed through the Visa System: Visa Zero Liability Protection. We reserve the right to block, suspend, or cancel your Card if, as a result of our policies and processes, we detect what we reasonably believe to be fraudulent, suspicious, or criminal activity or any activity inconsistent with this Agreement. Best Practices. You may also have additional security obligations related to agreements with your bank or processor. arrow_forward. FCC Planning ToolThe Federal Communications Commission offers acybersecurity planning toolto help you build a strategy based on your unique business needs. We use cookies & other technologies to analyze website traffic, personalize content & provide relevant advertising on other websites. Card Protection. 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. 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. Lending criteria apply to approval of credit products. A copy of this Agreement is available to you in the App and on the Website. The Card is not a gift card or gift certificate. Information for starting and maintaining a business. 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.
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sutton bank visa commercial card