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. Configure all software to install updates automatically. You are responsible for all authorized transactions initiated and fees incurred by the use of your Card. 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 . 2023 Sutton Bank Portions Copyright Kasasa, Ltd. All rights reserved. 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. Our Business MoneyIQ page features useful information and videos to help your business navigate the increased threats from cyberattacks, Ransomware, DDoS attacks, tax fraud and more. Platinum Mastercard. Use strong passwordsUsing strong passwords is an easy way to improve your cybersecurity. (419) 426-0421. 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. Score Some Rewards. Easily expand across the United States, Europe, and Asia with our global-ready platform. Your rejection notice must be mailed within 45 days after your first card purchase. The PIN must be used on all automated teller machine (ATM) transactions and PIN transactions. arrow_forward. Laptops can be particularly easy targets for theft or can be lost, so lock them up when unattended. All Cards are issued by Sutton Bank and distributed and serviced by Telos Gifting, LLC, which may be contacted by phone at 866-353-4237 or by mail at 495 Mansfield Avenue, Pittsburgh, PA 15205. This Agreement is revised periodically, so it may include changes from earlier versions. The Card is our property and is nontransferable. Card. 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. Earn cashback rewards on eligible purchases with no cap. Includes prepaid. Here are a few things we've learned. They often target small-to-medium-sized businesses because these businesses often do not use dual controls on their accounts nor have they adopted a strong information security posture. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. Transaction limits point-of-sale. Use antivirus software and keep it updatedMake sure each of your businesss computers is equipped with antivirus software and antispyware and updated regularly. The funds associated with the Card do not expire. Cyber-attacks are a growing concern for small businesses. - Transfer Funds. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Any funds remaining on the Card after cancellation will be sent to you upon request via a refund check to the mailing address we have in our records. . 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. 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. 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. Visit the one-stop shop for learning about doing business in Ohio. 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. If the merchant credits your Card, the credit may not be immediately available. Isolate payment systems from other, less secure programs and do not use the same computer to process payments and surf the Internet. If you have any objections, complaints or disputes which relates to your contractual relationship with a merchant from whom goods or services were purchased (by using the Card), you shall address and handle this directly with that particular merchant; more specifically, we are not responsible for the delivery, quality, safety, legality, or any other aspects of goods or services that you purchase with the Card. - View Account Balances. Copies of the documents used in the investigation may be obtained by contacting Customer Service. 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. To earn the victims trust, this communication frequently employs persuasion, urgency, and authority. 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 . For better business. You may not use your Card for any online gambling, escort services or any illegal transaction. These measures are specifically designed to help us protect your identity and identify possible fraud on your Card Account. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. Rejection of this Arbitration provision will not affect your other rights or responsibilities under this section or the Agreement. We may also ask to see a copy of your drivers license or other identifying documents. Employees should understand that its better to delay the payment than to be scammed and take the proper steps in making sure the request that came their way is actually legit. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). For any other exception stated in our Agreement with you or by applicable law. Nevertheless, if a transaction exceeds the balance of the funds available in your Card Account, you shall remain fully liable to us for the amount of the transaction. 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. 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. The Card remains the property of the Bank and must be surrendered upon demand. Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases. FCC Planning ToolThe Federal Communications Commission offers acybersecurity planning toolto help you build a strategy based on your unique business needs. When you use an ATM not owned by us, you may be charged a fee by the ATM 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. Why you believe there is an error, and the dollar amount involved, 3. NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. If you want to cancel the Card, the Card Account and this Agreement please contact Customer Service. This Agreement is effective April 01, 2021. Upon your request, we will issue you a replacement Card. 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). 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. Detect fraud, control your spend, and ensure the highest levels of compliance and uptime. Any funds withdrawn from a POS device or through a participating bank will be subject to the maximum amount that can be spent on your Card per day. We advise the regular use of a reputable and readily available virus screening and prevention software. Regular APR. With purchasing convenience, cost savings, available credit, and detailed reporting, you'll have what you need to nurture your small business and help it thrive. One final way to obtain your debit card balance is through your bank's app. To activate your Card, follow the steps and instructions for activation in the App. 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. Most are the reloadable type. Score Some Rewards. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION (ARBITRATION SECTION) REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION. 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. For mail order, telephone, Internet or other card-not-present purchases, merchants may choose to route a transaction as a PIN transaction without asking you to enter your PIN. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. 2. * Rewards offers are subject to approval. Sutton Bank review: Vanilla visa debit card. Use the Supply Chain Risk Management Toolkit to help shield your business information and communications technology from sophisticated supply chain attacks. Requests for address or name changes may be subject to additional verification requirements. Any translation provided may not accurately represent the information in the original English. Cyber Resilience ReviewThe Department of Homeland Securitys (DHS)Cyber Resilience Review (CRR)is a non-technical assessment to evaluate operational resilience and cybersecurity practices. An ideal card for easy and efficient business purchases. Additional Contact Information. About Your Card and this Cardholder Agreement. You may simply lock the card for the specific vendor and not have any additional recurring spend blocked. Rellevate handles all customer service for the program. Training employees on basic internet best practices can go a long way in preventing cyber-attacks. Sumissura . Such software is readily available online from a variety of vendors. Skip to main content . IMPORTANT PLEASE READ CAREFULLY. 10. Our business days are Monday through Friday, excluding US federal holidays, even if we are open. Any translation of this Agreement is provided for your convenience. 55 day interest-free period on all purchases. Making you successful is our priority. 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. Once they have them; they can use them to transfer money out of your bank account and into theirs. Fraudulent or Criminal Card Account Activity. Depending on the adversarys thoroughness, the BEC assault can occur in a single email or throughout an entire thread. You agree that the Issuer, Majority USA, LLC, and their respective affiliates, employees, or agents are not responsible for any interruption of service. Can I customize the card with my business logo? Find the best card for your small business. To initiate a PIN transaction at the point of sale, select Debit and enter your PIN at the point of sale terminal. We are not responsible for such fee. By checking this box, you agree to receive marketing emails from Visa. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Ideal card for employees on the move to pay for travel and entertainment expenses with ease. Its true that theres no foolproof method that you can use to protect your business, but educating your employees about security threats and best practices for online behavior and privacy can greatly reduce the possibility of a BEC scam. 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). However, certain third-party fees may apply as further described below. Encourage employees to challenge suspicious requests. The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. The Card may only be used for personal, family or household purposes, and we may cancel your Card if we determine that it is being used for commercial purposes. State-chartered Sutton Bank, which operates eight branches in four counties in Ohio, has issued 11 million Visa, Mastercard, and Discover payment card accounts. More than 80% of those accounts are prepaid. Keep your money in your wallet. Find out more. Make sure a separate user account is created for each employee and require strong passwords. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who obtains a Card. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. It isn't connected to a personal bank account or another debit card. Crypto cards. Save 10% on full-price purchases over AUD $200, or 12% off purchases over AUD $400 when you pay with a valid Visa card. The Card is a prepaid card useable wherever prepaid debit cards bearing the applicable payment network brands on your Card are accepted worldwide. Solely for purposes of this Section 37 (Arbitration), We or Us shall mean the Issuer, and its respective successors, affiliates or assignees as well as Majority USA, LLC or any other any third party using or providing any product, service or benefit in connection with the Card. If you do not promptly add sufficient funds to your Card Account to cover the negative balance, in addition to any other remedies or actions, we may cancel your Card and Card Account and pursue collection. Complimentary insurances. Any request for a return of funds shall be processed within a reasonable period of time after your request. Easy to Give, Easy to Use. The Card is a prepaid card. The maximum amount that can be spent using your Card is: Cash Access. 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. VISA with Rewards. Limitation of Liability and Indemnification. These may change or we may introduce new ones in the future. Start by learning about common cyber threats, understanding where your business is vulnerable, and taking steps to improve your cybersecurity. Gonczi called Sutton Bank to investigate. If you are entitled to a refund for any reason for goods or services obtained with your Card, the return and refund will be handled by the merchant. Besides no annual fees, this card also doesn't come with any activation or maintenance fees, making it a perfect cost-effective . Marqeta is the world's first modern card issuing platform. 1 Securely lock your Business Visa Debit Card when you need to and unlock it again when you don't. Use it to control your business expenses while you're working out the best financial decisions for you. The Card is issued by the Bank. You Should also make sure to update your security software regularly and keep a backup of your data. You agree to pay us promptly for the negative balance. Our open API platform allows businesses to instantly issue cards and process payments. After your Card Account is opened, we may ask again to see a copy of your drivers license or other identifying documents at any time if we deem is necessary to verify your identity, address, or transactions on your Card Account. These emails often entice users to click on a link or open an attachment containing malicious code. All software vendors regularly provide patches and updates to their products to correct security problems and improve functionality. Although it may seem obvious, human error is responsible for 95% of effective cyber-attacks. Visa Gift cards can be used nationwide in-store and online, where Visa debit cards are accepted. Finally, BackOffice.Co Inc. . Combine the flexibility of a credit card with the predictability of a personal loan. 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. We use cookies & other technologies to analyze website traffic, personalize content & provide relevant advertising on other websites. Approximately when the error took place. You hereby agree to accept all legally required notices by electronic means including publications made within the App or on the Website. To the extent permitted by applicable law, we may cancel or suspend your Card, your Card Account, or this Agreement immediately, for any reason, and without notice to you. You are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein. $4.95 Purchase Fee. Section headings in this Agreement are for convenience of reference only, and shall not govern the interpretation of any provision of this Agreement. Developed by the DHS Cybersecurity and Infrastructure Agency (CISA), this toolkit will help you raise awareness and reduce the impacts of supply chain risks. If you conduct a transaction in a currency other than U.S. dollars, the merchant, the Card Network or other entity that processes the transaction may convert any related debit or credit into U.S. dollars in accordance with its then-current policies. Cyber-attacks are a growing threat for small businesses and the U.S. economy. The finally Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc. . See how Square uses Marqeta. You agree that from time to time, without further notice to you, we may monitor and/or record telephone calls and electronic communications between you and us to assure the quality of our customer service or as required by applicable law. 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 . All Cards are issued by Sutton Bank and distributed and serviced by Majority USA, LLC. We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. * Rewards offers are subject to approval. A copy of this Agreement is available to you in the App and on the Website. There is no fee for this service. Business VISA with Rewards. You can either do the assessment yourself, orrequest a facilitated assessmentby DHS cybersecurity professionals. Amendment, Suspension and Cancellation. No cash or ATM access. Every prepaid Visa Gift Card design can be sent as an eGift Card by email or a plastic Gift Card by mail. | The Revenued Business Card is a purchase of future receivables and not a loan. The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. 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. Hockerty . Save 12% on all purchases when you pay with a valid Visa card. Reporting (and deactivating) a lost or stolen Card can also be made via the App. This means that the innate human tendency to be a social creature is what will be exploited here. The Visa Gift Card can be used everywhere Visa debit cards are accepted in the US. We will pay the initial filing fee to commence the arbitration. *The MAJORITY app facilitates banking services through Axiom Bank, N.A. 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. In that event, we may try to contact you at the address shown in our records. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. This free app provides you with quick access to the online banking tools you need, so you can manage your finances on the go. 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. 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. Additional terms and conditions may apply. The amount of the fee should be disclosed at the ATM. Lets talk about your use case and how we can help. According to a recent SBA survey, 88% of small business owners felt their business was vulnerable to a cyber-attack. You should not write or keep your PIN with your Card. The Revenued Business Card Visa Commercial Card is powered by Marqeta. Macao . Product. Administrative privileges should only be given to trusted IT staff and key personnel. 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. Insurance. In addition to the currency conversion charge, we will impose a charge equal to 3% of the transaction amount (including credits and reversals) for each transaction (U.S. or foreign currency) that you conduct at merchants (including foreign websites) outside the United States. The card is issued by Sutton Bank and is unique to a user's Cash App account. Customer Service agents are available to answer your calls Monday-Friday from 8am to 6pm and Saturday 9am to 5pm USA Central Time. or Sutton Bank, Members FDIC, pursuant to a license from Visa U.S.A. Inc. ***Transactions may be subject to limitations under applicable law, including the Bank Secrecy Act and anti-money laundering laws. According to theFBIs Internet Crime Report, the cost of cybercrimes reached $2.7 billion in 2020alone. After the code is run, your computer may become infected with malware. You and your mean the person who have received the Card and is authorized to use the Card as provided for in this Agreement. Making cyber security everyones responsibility is extremely important, therefore you should include management and IT in your education program, as well as have regular cyber security sessions, and of course create specific rules for email, internet browsing, social networks, and mobile devices. Please be advised that you may experience difficulties using your Card at unattended vending machines, kiosks, and gas station pumps. Although considerable effort is expended to make the App and Website and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free every minute of the day. An executive or employees email account is hacked and used to request invoice payments to vendors listed in their email contacts. Tell me more. Use at Millions of Locations Worldwide. 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. . Access the toolkit here. Accounting: You can create merchant rules . 12. Instantly issue & process card payments with our open API platform. The fastest and easiest way to minimize your possible losses is to report this/deactivate your Card by using the App, otherwise you may always contact us via our Customer Service by phone 1 (855) 553-3388. FOR QUESTIONS OR ASSISTANCE, PLEASE CONTACT CUSTOMER SERVICE AT 1 (855) 553-3388, 1. Already a Revenued cardholder? 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. Opal cards can be ordered online for delivery to an Australian address within 5 to 7 business days. From time to time the Card services may be inoperative, and when this happens, you may be unable to use your Card or obtain information from your Card or Card Account, including the available balance of funds associated with your Card. Best Practices. Full details are available on request. A card that can help drive process efficiencies and improve control over procurement spend. 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. 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. Our team of experts provide guidance from setup to launch & scale. The Card is not a credit card and will not enhance your credit rating. ZA Bank (Visa Debit card) *Bank-issued American Express cards aren't supported. Any different agreement regarding arbitration must be agreed to in writing. Yes, you can choose Canadian or US currency cards for your Canadian employees. 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. 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 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. The Cancellation will not affect any of our rights or your obligations arising under this Agreement before the Card was cancelled. Media & ad agencies. You and we will have every remedy available in arbitration as you and we would have from a court and will be entitled to reasonable discovery. **This card is issued by Axiom Bank, N.A. The first step in improving your cybersecurity is understanding your risk of an attack, and where you can make the biggest improvements. Some of these services may not be available at all terminals. Fax Numbers. Ransomware is a specific type of malware that infects and restricts access to a computer until a ransom is paid. Please contact your product specialist for further information. "There is a card number . The conversion rate may be different from the rate in effect on the date of your transaction and date it is posted to your account.