FEATURES INCLUDE: Visa Gift Card from $20-$500 denominations. Fax Numbers. By checking this box, you agree to receive marketing emails from Visa. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. Keep record of your account in case your Card is lost, stolen, or destroyed. Gonczi called Sutton Bank to investigate. ZA Bank (Visa Debit card) *Bank-issued American Express cards aren't supported. All software vendors regularly provide patches and updates to their products to correct security problems and improve functionality. 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. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Credit Cards. We are not responsible for such fee. arrow_forward. See our Rewards Terms and Conditions for Cash Back and the Welcome Bonus for details. 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. 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. Transactions in Foreign Currencies. Any funds withdrawn from an ATM or POS device are subject to the following transaction limits (in addition to any other restrictions or limitations set out in this Agreement). *When consolidating purchase volume processed through Marqetas platform in 2019. Find out more. You Should also make sure to update your security software regularly and keep a backup of your data. Administrative privileges should only be given to trusted IT staff and key personnel. For better lifestyles. You can also set up direct deposits to your account and get a debit card. The Revenued Business Card Visa Commercial Card is powered by Marqeta. Ransomware is usually delivered through phishing emails and exploits unpatched vulnerabilities in software. 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. Control your card through a mobile app. Small businesses are attractive targets because they have information that cybercriminals want, and they typically lack the security infrastructure of larger businesses. You may reject the arbitration provision by sending us written notice within 45 days after your first card purchase. It is your responsibility to check the Agreement periodically for changes. https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf. Business VISA with Rewards. Annual rate from 6.99 % p.a. Well, like all social engineering attacks, BEC fraud relies on the human factor in order to be successful. You and your mean the person who have received the Card and is authorized to use the Card as provided for in this Agreement. If you do provide access to your Card or Card number, you are liable for all transactions incurred with the Card or Card number. We may revoke or suspend your Card or any features or services of your Card at any time without cause or notice. 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. All you need to do is complete a brief online questionnaire about your company operations, founders and sources of funding. IMPORTANT PLEASE READ CAREFULLY. Get a Visa License Are you interested in becoming a Visa licensed client? The card is designed for people with fair, good, and excellent credit. * Rewards offers are subject to approval. Instantly issue & process card payments with our open API platform. The Virtual Visa Gift Card can be redeemed at internet merchants everywhere Visa . @alexandra 01/24/22 This answer was first published on 01/24/22. A copy of this Agreement is available to you in the App and on the Website. (419) 756-2449. $0. This service can help secure your internet-facing systems from weak configuration and known vulnerabilities. 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). We will not charge you any fees for the initial issuance or use of the Card. IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. Yes, you can choose Canadian or US currency cards for your Canadian employees. The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. Visit the one-stop shop for learning about doing business in Ohio. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make or authorize, notify us at once following the procedures stated in the paragraph labeled Your Right to Dispute Errors. 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. 22. Better Cards. Critical data includes word processing documents, electronic spreadsheets, databases, financial files, human resources files, and accounts receivable/payable files. FOR QUESTIONS OR ASSISTANCE, PLEASE CONTACT CUSTOMER SERVICE AT 1 (855) 553-3388. 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. In connection to these actions, we may need certain information from you, such as your full name, Card number and transaction history details. On February 23, 2023, the U.S. Department of State updated its guidelines to allow F and M students to apply for their student visas to study in the United States up to 365 . 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. Loads are available on the business day when final collected funds are received by us unless a longer time is permitted by applicable law. Once we receive the final transaction amount, it may take up to seven (7) days for the hold to be removed. 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. Finally, BackOffice.Co Inc. . Accounts are FDIC-insured up to $250,000. Earn cashback rewards on eligible purchases with no cap. You agree to act responsibly with regard to our App and Website and its use. Rellevate handles all customer service for the program. The maximum amount that can be withdrawn is: per transaction: from ATM $510/International ATM $510, per day: from ATM $510/International ATM $510, per month: from ATM $2,500/International ATM $2,500. You may obtain information about the current amount of money you have remaining in your Card Account by calling 1-855-553-3388. 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. Requests for address or name changes may be subject to additional verification requirements. 2. You are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein. ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. 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. Amendment, Suspension and Cancellation. Lets take as an example an email coming from a senior executive in the company in which a large amount of money is requested in an urgent manner. . Transaction limits point-of-sale. a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. edX . Secure payment processingWork with your banks or card processors to ensure the most trusted and validated tools and anti-fraud services are being used. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. You can either do the assessment yourself, orrequest a facilitated assessmentby DHS cybersecurity professionals. If you do not have enough funds available in your Card Account for the amount authorized by you, your transaction will be declined. Phishing emails appear as though theyve been sent from a legitimate organization or known individual. Back up data automatically if possible, or at least weekly, and store the copies either offsite or on the cloud. We value their cutting-edge technology, reliability, and easy to use platform APIs.. The card is issued by Sutton Bank and is unique to a user's Cash App account. We use cookies & other technologies to analyze website traffic, personalize content & provide relevant advertising on other websites. Opal cards can be ordered online for delivery to an Australian address within 5 to 7 business days. We may, subject to applicable law, deliver to you any notice of such modification to the Agreement by way of publishing an updated version of this Agreement within the App and on the Website or by delivering notice of the modifications to you electronically. A dedicated specialist from Scotiabank is ready to assist - from consultation to implementation to help ensure your team takes full advantage of the program. We reserve the right to require an affidavit signed by you and conduct an investigation into the validity of any request. 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. Any organization requires effective communication. You will receive a weekly report for your action. Such software is readily available online from a variety of vendors. or Sutton Bank, Members FDIC. We cannot accept responsibility for any email messages not received by you or for any delay in the receipt or delivery of any email notification. Organizations must have complete policies and methods for communicating with their constituents, workers, and stakeholders, as well as the general public, in order to be successful. The Cancellation will not affect any of our rights or your obligations arising under this Agreement before the Card was cancelled. Use antivirus software and keep it updatedMake sure each of your businesss computers is equipped with antivirus software and antispyware and updated regularly. The Card is our property and is nontransferable. You always find the most recent version of this Agreement in the Majority Mobile Application (App) and on https://www.majority.com (Website). If you need more information about our error-resolution procedures, please contact Customer Service. You agree to pay us promptly for the negative balance. Square Checking is provided by Sutton Bank, Member FDIC. 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. 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 . Bank of America normally charges a $5 ATM fee. To protect the use of your Card, you are required to set a personal identification number (PIN). 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 advise the regular use of a reputable and readily available virus screening and prevention software. Platinum Mastercard. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized transactions using your Card Account that take place on the Visa system without a PIN is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This free app provides you with quick access to the online banking tools you need, so you can manage your finances on the go. Activating Your Card: You must activate your Card before it can be used. Card Protection. No cash or ATM access. Cyber-attacks are a growing concern for small businesses. Any such fee will be deducted from the balance of the Card, along with the amount of the withdrawal performed at the ATM. 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. Business Email Compromise (BEC)is a type oftargeted scamin which anattacker impersonates a company executive or high-level employeewith the intent ofdefrauding or extracting sensitive datafrom the company or its partners. Every prepaid Visa Gift Card design can be sent as an eGift Card by email or a plastic Gift Card by mail. An ideal card for easy and efficient business purchases. As a result, every job in the organization is responsible for cybersecurity knowledge and abilities. This Privacy Policy also tells how you can (i) limit the ways we share, or (ii) request corrections to the information we maintain about you. Yet many businesses cant afford professional IT solutions, have limited time to devote to cybersecurity, or they dont know where to begin. During that period, you will not have access to the funds subject to the hold. 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. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card. 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. An ideal card for easy and efficient business purchases. You agree to present your Card and meet identification requirements to complete load transactions as may be required from time to time. Some of these services may not be available at all terminals. All rights reserved. In-store: To use the virtual card in-store, shoppers need to add the card to their Apple or Google wallet, then pay using Apple or Google Pay at the payment terminal. You hereby agree to accept all legally required notices by electronic means including publications made within the App or on the Website. According to a recent SBA survey, 88% of small business owners felt their business was vulnerable to a cyber-attack. Reap the benefits of your hard work, with our Platinum Credit Card. This means that the innate human tendency to be a social creature is what will be exploited here. We are not responsible for any such fee and they will be deducted from the balance of the Card, along with the withdrawal or transaction amount. All Cards are issued by Sutton Bank and distributed and serviced by Majority USA, LLC. 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. We will pay the initial filing fee to commence the arbitration. After the code is run, your computer may become infected with malware. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. You agree to retain, verify, and reconcile your transactions and receipts. 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 reject any loads that exceed the maximum balance allowed on your Card. Can I customize the card with my business logo? Score Some Rewards. Training employees on basic internet best practices can go a long way in preventing cyber-attacks. 7. Cyber Resilience ReviewThe Department of Homeland Securitys (DHS)Cyber Resilience Review (CRR)is a non-technical assessment to evaluate operational resilience and cybersecurity practices. 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. 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. To initiate a signature transaction at the point of sale, select Credit and sign the receipt (if required by the merchant). YOU AGREE TO HOLD HARMLESS AND INDEMNIFY US AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES (AND THEIR SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES) FROM AND AGAINST ANY AND ALL CLAIMS, SUITS, DAMAGES, PENALTIES, COSTS, FINES, LIABILITIES AND EXPENSES, INCLUDING, WITHOUT LIMITATION, REASONABLE ATTORNEYS FEES, THAT ARISE FROM YOUR VIOLATION OF THIS AGREEMENT, APPLICABLE LAW, OR ANY THIRD-PARTY RIGHTS OR YOUR FRAUD OR WILLFUL MISCONDUCT. 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. IN ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY. The Card is issued by the Bank. Tell me more. Concession Opal cards need . - Transfer Funds. In addition to the above, for security purposes we reserve the right to, in our sole discretion, impose additional limit to your use of your Card at ATMs or POS devices. Ransomware is a specific type of malware that infects and restricts access to a computer until a ransom is paid. Having at least basic email security in place and two-factor authentication is a must. Any transaction that could create a negative balance for your Card Account is not permitted. 2023 Sutton Bank Portions Copyright Kasasa, Ltd. All rights reserved. We use cookies for security purposes, to improve your experience on our site and tailor content for you. 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. Back up your dataRegularly back up the data on all computers. 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. Reduce purchasing . Be sure to use different passwords for your different accounts. Fraudulent or Criminal Card Account Activity. Access spending data through convenient web access for exceptional program reporting. 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. Control physical accessPrevent access or use of business computers by unauthorized individuals. 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. Reporting (and deactivating) a lost or stolen Card can also be made via the App. Sutton bank is the service provider for CA, so if you do an ACH transfer into your CA account, that is legit, go to the account info for your CA routing# / account# that is your "back end" Sutton account. If the merchant credits your Card, the credit may not be immediately available. The expiration date of the Card is identified on the front of your Card. You will not receive any interest on your funds in the Card Account. The first step in improving your cybersecurity is understanding your risk of an attack, and where you can make the biggest improvements. Buy Now, Pay Later. Any different agreement regarding arbitration must be agreed to in writing. Give us a call at +1-877-662-3489 or fill out the form below and well get back to you within 24 hours. Sutton Bank offers a range of solutions to support BNPL capabilities for its clients to support growing demand for BNPL products: Streamlined Merchant Settlement: Use existing Visa rails to settle purchases made on a BNPL provider, leveraging transactions on one-time use virtual cards. 20192023 MAJORITY USA, LLC. Security: If the vendor's website security is compromised, your card information with other vendors stays safe. One final way to obtain your debit card balance is through your bank's app. Please read this Agreement carefully and retain it for future reference. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info. 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. Westpac purchasing card. Total credit lines from $500 to $25,000. Lending criteria apply to approval of credit products. Alexandra Barring, Banking Moderator . The Visa Gift Card can be used everywhere Visa debit cards are accepted in the US. | The Revenued Business Card is a purchase of future receivables and not a loan. Easy to Give, Easy to Use. Upon notification to us that your Card may have been lost or stolen or there may be unauthorized transactions from you Card Account we will cancel you Card (both your Virtual and Plastic Card) and close your Card Account. Developed by the DHS Cybersecurity and Infrastructure Agency (CISA), this toolkit will help you raise awareness and reduce the impacts of supply chain risks. Annual Fee. Discover key concepts of the Marqeta platform with hands on tutorials, Issue cards, fund accounts, manage payments, and more, View filterable, curated production data and personalized insights, Explore our endpoints, make API requests, and quickly prototype your product. 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. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CONTACT CUSTOMER SERVICE TO CANCEL YOUR CARD AND TO REQUEST A REFUND. The maximum amount that can be spent using your Card is: Cash Access. Besides no annual fees, this card also doesn't come with any activation or maintenance fees, making it a perfect cost-effective . The Card issued to you will be in the form of a virtual card (available to you in the App) (Virtual Card) and a physical card (a plastic card, which will be delivered to you) (Plastic Card), both cards carrying and representing the same assigned 16-digit card number and Card Account. 2 Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if . For further information please go to Expense . FOR QUESTIONS OR ASSISTANCE, PLEASE CONTACT CUSTOMER SERVICE AT 1 (855) 553-3388, 1. Those types of cards are issued by two parties: a bank and a non-financial entity ( for example a retail merchant). However, there are some exceptions. Visa currently exchanges from US$ to AU$ at about 1.07, very close to the listed international exchange rate. This type of scam usually targets employees from the HR and bookkeeping departments. You will not be charged a fee for this information unless you request it more than once per month. Sutton Bank does not provide customer service for the Georgia Cash Assistance Program. The Upgrade Visa Card with Cash Rewards comes with an annual fee of $0 and an 8.99%-29.99% regular APR. Additional Contact Information. Once they have them; they can use them to transfer money out of your bank account and into theirs. - Review Transaction History. 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. Isolate payment systems from other, less secure programs and do not use the same computer to process payments and surf the Internet. Approximately when the error took place. The funds associated with the Card do not expire. The Card is not a device that accesses money in an individual checking or savings account. Expense management. 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. You are responsible for all authorized transactions initiated and fees incurred by the use of your Card. These types of transactions include (i) ATM transactions, and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa.