Card. Attackers achieve this by using different manipulating techniques in order to trick users into providing money or data. Primary Fax. We may revoke or suspend your Card or any features or services of your Card at any time without cause or notice. This means that the innate human tendency to be a social creature is what will be exploited here. See how Square uses Marqeta. 2. - Transfer Funds. 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. 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 Federal Reserve and Business Payment Coalition has created the Small Business Payments Toolkit so that you can see the benefits of using electronic payment types, as well as practical fraud prevention including mitigation tips and education and training for employees to avoid payments fraud. Cyber-attacks are a growing concern for small businesses. If you have a Wi-Fi network, make sure it is secure and hidden. Use at Millions of Locations Worldwide. Employees and emails are a leading cause of data breaches for small businesses because they are a direct path into your systems. WHEREAS, Sutton Bank operates a prepaid card service and is an approved issuer of prepaid cards on the Discover, Mastercard, and Visa Networks; WHEREAS, Sutton Bank provides services set forth in Exhibit B (the "Sutton Bank Prepaid Card Services") and the other Program Documents in connection with Card Transactions processed on one or more . However, the criteria to qualify for this program can be flexible, based on your companys size and business needs. SUTTON BANK PREPAID RULE LONG FORM DISCLOSURE. In that event, we may try to contact you at the address shown in our records. Keep your money in your wallet. During that period, you will not have access to the funds subject to the hold. You agree to act responsibly with regard to our App and Website and its use. Sumissura . State-chartered Sutton Bank, which operates eight branches in four counties in Ohio, has issued 11 million Visa, Mastercard, and Discover payment card accounts. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. An extremely important step an organization must take in safeguarding against BEC is to provide employees with adequate cybersecurity training. Judgment on the arbitration award may be entered in any court having jurisdiction. 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. 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. All credit decisions are made by Backoffice.co, Inc DBA finally. You will need to tell us: 2. The Gift Card Granny Visa or Mastercard is a prepaid Card issued by Sutton Bank. A dedicated specialist from Scotiabank is ready to assist - from consultation to implementation to help ensure your team takes full advantage of the program. This Agreement is revised periodically, so it may include changes from earlier versions. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious. They use a variety of tools including phishing emails, compromised legitimate websites, fake friend requests on social sites, and malware to obtain your bank logon credentials. Copies of the documents used in the investigation may be obtained by contacting Customer Service. Any different agreement regarding arbitration must be agreed to in writing. Industry leaders across on-demand delivery, expense management, digital banking & more use Marqeta to quickly launch programs. In its ordinary course of business, Sutton Bank may utilize a . Merchants generally will not be able to determine your available balance. Limitation of Liability and Indemnification. Issue cards that think and serve your customers in a whole new way. It is your responsibility to check the Agreement periodically for changes. Our commercial card is compatible with most Expense Management System providers in the market place where we are able to send enhanced data (dependent on travel management company enablement). The Cancellation will not affect any of our rights or your obligations arising under this Agreement before the Card was cancelled. 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. Click on this link to access the MoneyIQ for Business Financial Literacy and Education Center. To initiate a PIN transaction at the point of sale, select Debit and enter your PIN at the point of sale terminal. If you do not have enough funds available in your Card Account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or using another payment method. According to theFBIs Internet Crime Report, the cost of cybercrimes reached $2.7 billion in 2020alone. Any translation provided may not accurately represent the information in the original English. Cybersecurity risks come in a wide variety of shapes and sizes, making it critical to recognize, disclose, and properly respond to a cyber threat. You may reject this Arbitration provision by sending a written rejection notice to us at: support@majority.com. Customer Service agents are available to answer your calls Monday-Friday from 8am to 6pm and Saturday 9am to 5pm USA Central Time. Ransomware is usually delivered through phishing emails and exploits unpatched vulnerabilities in software. Other fees may apply. Use the Supply Chain Risk Management Toolkit to help shield your business information and communications technology from sophisticated supply chain attacks. Earn cashback rewards on eligible purchases with no cap. You are responsible for keeping track of your Card Account available balance. There are a number of ways to get an Opal card, depending on the card you need. 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. Get a Visa License Are you interested in becoming a Visa licensed client? Check with your vendors that handle sensitive data, especially financial institutions, to see if they offer multifactor authentication for your account. 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. Any such fee will be deducted from the balance of the Card, along with the amount of the withdrawal performed at the ATM. Raising employee awareness about scams and BEC fraud is always a good idea, but businesses shouldnt rely solely on this. 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. 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. Card Protection. Banco Nacional Ultramarino, S.A. (Mastercard and UnionPay debit cards, Visa and UnionPay credit cards) . We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. The Department of Homeland Securitys"Stop.Think.Connect" campaignoffers training and other materials. The maximum balance allowed on your Card is $10,000. If you make your email account available to any other individual, you agree that you are responsible for any release of any Account information to such individual. Developed by the DHS Cybersecurity and Infrastructure Agency (CISA), this toolkit will help you raise awareness and reduce the impacts of supply chain risks. Most are the reloadable type. Please refer to our terms and conditions for more information. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation. 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. Other Phone. We will tell you the results within three (3) business days after completing the investigation. 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. Password-protect access to the router. In connection to these actions, we may need certain information from you, such as your full name, Card number and transaction history details. 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). . Assignment; Applicable Law; Severability. 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. Control physical accessPrevent access or use of business computers by unauthorized individuals. Learn about the threats and how to protect yourself. However, certain third-party fees may apply as further described below. A Better Way to Bank. Work with us . See our Rewards Terms and Conditions for Cash Back and the Welcome Bonus for details. If you seek to withdraw cash from a merchant POS device, please note that each merchant may establish limits as to how much cash may be obtained from a POS device at a single time or through a single location. Similar to logging in online, the app will usually provide you with a home screen once you . The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. You may add funds to your Card Account, called loading, by: (i) Automated Clearing House (ACH) loads up to $5,000 per month, minimum $20 per load, maximum $5,000 per day with a limit of 5 transactions per day; (ii) credit or debit card loads up to $500 per transaction, $500 per day, $5,000 per month with a limit of 5 transactions per day and a minimum of $20 per load; (iii) direct deposit loads up to $5,000 per day, $10,000 per month, with a limit of 3 transactions per day; (iv) federal transaction direct deposit loads from the IRS Treasury up to $10,000 per day; and (v) loading cash through one of our reload locations up to $500 per transaction, $2,500 per day, $5,000 per month with a maximum of 5 reloads per day. 29. Typically, the minimum annual spend is $5 million CAD. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard. If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. (419) 756-2449. The amount of the fee should be disclosed at the ATM. The Card is a prepaid card. If your Card is declined at a pay at the pump gas station even though you have sufficient funds available, you should pay for your purchase inside with the cashier. You will be required to provide personal information which may include your Card number, full name, transaction history, copies of accepted identification and other information necessary to verify your identity. Please contact our support team directly at[emailprotected], Sign up today to receive alerts when we launch new business finance content and solutions. Depending on the adversarys thoroughness, the BEC assault can occur in a single email or throughout an entire thread. You should get a receipt at the time you make a transaction using your Card. You agree to present your Card and meet identification requirements to complete load transactions as may be required from time to time. Upon aforesaid cancellation, we will continue to honor transactions you have made up until your the cancellation is processed in accordance with this Agreement, which may take up to forty-five (45) days following your cancellation, during which regular fees will apply (if any). Access the toolkit here. You also have the right to obtain at least 24 months of written history of account transactions by calling 1-855-553-3388, or by writing us at MAJORITY USA, LLC, 9801 Bissonnet Street, Suite V, Houston, Texas 77036, USA, Attn: Customer Support. The Upgrade Visa Card with Cash Rewards comes with an annual fee of $0 and an 8.99%-29.99% regular APR. 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. Both Mastercard and Visa assist in emergency replacement cards and cash advance, anywhere in the world 24/7. Theres no substitute for dedicated IT supportwhether an employee or external consultantbut businesses of more limited means can still take measures to improve their cybersecurity. Developed by the DHS Cybersecurity and Infrastructure Agency (CISA), this toolkit will help you raise awareness and reduce the impacts of supply chain risks. Lodge with frequently used pre-approved suppliers. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION (ARBITRATION SECTION) REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION. The exchange rate used on the central processing date may be different than the rate that was in effect on the date you performed the transaction. Supply Chain Risk Management. We will pay the initial filing fee to commence the arbitration. Viruses are intended to give cybercriminals access to your system. ACH transactions and wire transfers are the fastest way to move funds to another business, person, or other recipient. Why you believe there is an error, and the dollar amount involved, 3. Your rejection notice must be mailed within 45 days after your first card purchase. - Pay Bills. 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). @alexandra 01/24/22 This answer was first published on 01/24/22. Online: To use the virtual card online, shoppers simply need to enter their card details at checkout just like they would any other debit or credit card. You should not write or keep your PIN with your Card.