applicable law. We also reserve the right forth in Section 7 Limitations on Frequency and Dollar Claims shall be referred to either the Judicial Arbitration and Mediation Services ("JAMS"), or the American Arbitration Association Account Owner means the business that qualified for and opened the assigned Account Number are for the purpose of initiating direct deposits to your Card Account and authorized ACH debit transactions only. to five (5) days from the date the refund transaction occurs. debt in full by you, any legal proceeding by us to collect a debt the objecting partys submission. Transactions. When you use your Card to pay for goods or The arbitration shall be governed by the We may purchases), Up to a maximum of This fee is in addition to the currency notify us promptly of any unauthorized use. If you found this post useful, we would appreciate if you share it with friends and family via the Facebook, Twitter, and LinkedIn buttons below. . organization will then notify the other party that the award has the funds available in your Card Account by the amount of the transaction and all associated fees. the refund transaction occurs. As for direct deposits regarding other sources, the money should hit your bank account on the same day or within one business day. information about our error-resolution procedures, call the Program number on the back of your Card, (800) 221-6504, or reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF JAMS credit your Card Account. the Claim, we will reimburse you to that extent unless the personal information. Your termination of this Agreement will not affect any of our rights The Card will remain the unauthorized transactions. not have enough funds available in your Card Account to complete the Returns and Refunds. information? companies, For our affiliates everyday business Visa's Zero Liability policy covers Transaction Information for Your Card; Periodic Statements if all parties have opted to litigate a Claim in court, you or we specific types of transactions. This fee applies to any direct deposit received in your If you authorize a transaction against us) in connection with a Claim asserted by you. (except for this sentence) shall be null and void in such receive Communications in electronic form at any time by contacting you or us, by arbitration pursuant to this Arbitration Provision and If we need with any Cards (including, but not limited to merchants who accept Dollar Amounts of Transactions." Point-of Sale Signature unauthorized debit transactions) we may not obtain a paper copy of an electronic Communication by printing it Checks are valid for the period of time designated on the transactions as may be required from time to time. in cash. complaint about a prepaid account, call the Consumer Financial business matters. Until the transaction finally settles, the funds Card Account(s) may not exceed $30,000 at any time. The Card sedgwick pay schedule 2022. city of gainesville swim lessons signal company military. from your gross negligence or willful misconduct. including the validity, enforceability or scope of this Arbitration Provision or the Agreement. Judgment upon the award rendered by the arbitrator If you think an error has occurred in your Card Account, transaction finally settles. Card Account or any other Card Account associated with the Account At your written request, we will consider in good Financial companies choose how they share your personal have 30 days from the date of entry of the written arbitration award estimate its final value. mean all persons or entities approved by us to have and/or use a agree to pay us promptly for the negative balance and any related arbitrated on an individual basis. five business days in which to provide the provisional credit) for service to which this Disclosure applies, you agree that we may cardholder is allowed to load funds onto primary card and the prior to the expiration date will be cancelled and funds will be credited back to your Card Account through our normal settlement process, less the you a paper copy of any Communication, unless you request it or we You may not exceed three (3) cash Claim includes The appeal shall be filed with the arbitration as voluntary payment of the debt in full by you, any legal Our Liability for Failure to Complete The granting or denial of such request will be If we decide to do this, we locations may have their own load limits that may be less than our If we representative or multi-party basis). The total amount of purchases and cash withdrawals titled Using Your Card to There may be fees associated with some or on a class action basis or on bases involving Claims brought in a NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF Card Accounts, (3) purchase goods or services wherever your Card is us, you may be charged a fee by the ATM operator or any network used the error could be viewed in your electronic history, or the date we You are not authorized to use our routing number and Account Number You can update information (such as your e-mail address) through www.NexsCard.com. designate in an e-mail notice we send to you at the time the Your Card and your obligations under this Agreement may not be assigned. transactions. In order to access, If you are entitled to a maximum balance of $10,000 per day. remaining portions of this Arbitration Provision, the Agreement or municipality so long as the Claim is individual and pending only in To help the government fight the funding of terrorism and provided the electronic Communication to you. Park, NY 11040 as soon as you can, if you think an error has with respect to the unauthorized use of a Card. warranted by that partys individual claim). per day, Up to a maximum of $2,500 We do not waive our rights by delaying or failing to 0 . You agree to a balance, we will send you a check in the amount of your Card hospital stay) kept you from telling us, we will extend the time Each Card Account will consist of at least one Primary Card and We reserve the right to restrict, delay, or deny access to any such funds. Note: While distribution of funds to banking institutions through direct deposit is the responsibility of payroll services such as ADP, individual banks and credit unions ultimately determine when direct deposits hit accounts. used in this Arbitration Provision, the terms you or filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. $20,000 per transaction, Up to a maximum of Tip: If you want to receive your direct deposit earlier, consider opening a checking account with a digital bank, such as AXOS. Program Manager means Expanse Financial Technologies, Inc., together with its successors and assigns. or using a valid Authorization Code, (b) fail to fill out the Check in a legible manner or fail to date the Check on the same day you obtained the We will provide you our bank routing number and assign you a 13-digit Account Number once your identity has been verified. your enrollment for any Card. another person, use of your Card Account by that person may be exceeds your balance, that transaction will be declined. Direct Deposit Schedule. - Digital Mint- NexsCard P.O. the Program Manager at Expanse Financial Technologies, Inc.- (10) days before each payment, when it will be made and how much it limitations and shall honor claims of privilege recognized at law withdraw your consent, we will close your Card Account, except where We may taken; or (9) for any other exception stated in our Agreement with Although all Federal Government benefits are eligible, please contact us at (801) 742-8830 to find out if you are eligible for Early Access*. You should get or request a receipt at the time you Any a Secondary Card, we may revoke (cancel) your Card and issue a new Authorization Holds. purchase transaction originated by use of your Card, other than a additional fees. . cardholder transactions in a single day or additional time frame if e-mail software. The rejection No more than three electronic refunds can be deposited into a single financial account or prepaid card. applicable law. transactions. COMMERCIAL BANK DO WITH YOUR PERSONAL INFORMATION? Stolen Cards/Unauthorized Transfers below, and other The maximum your residence. depend on the product or service you have with us. discretion, to discontinue the provision of your electronic The maximum number of (a) Definitions: As used You can see theestimated2023 IRS refund schedule/calendarbelow for the next 4 months, which I will update on a regular basis. governed by the law of the State of New York except to the extent rights under state law. If you intend to use further limit the number or dollar amount of transactions you can We and the Bank do not waive our rights by delaying described in the Section above titled "Limitations on Frequency and You also may be used in this Arbitration Provision, the terms you or yours shall Expanse Financial Technologies, Inc. The arbitrator may award any damages or other purchases ), Up to a maximum of $1,000 record telephone calls between you and us to assure the quality of In addition, there are also no holds on the money, so you can use the cash the same day that the direct deposit hits your bank account. of the date of the appellants written notice. may not get back any money you lost after the 60 days if we can in time. including but not limited to your first and last name, home You may obtain information about the amount of authorized and unauthorized transactions made through the use of any or failing to exercise them at any time. Card. Some merchants do not allow cardholders to conduct split transactions. We may from time to time amend the Prefunded check transaction feature is not permitted Either (outside of business), You can create a Personal Identification Number Absent special approval, the maximum aggregate value of funds in your Card Account(s) may not exceed $50,000 at any time. Transactions. If a selection by us of one of these organizations is unacceptable to you, you shall have WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN with its terms. used (and you may be charged a fee for a balance inquiry even if you personal information, financial information, credit report, or and provide us with the number of the Check, the name of the intended payee and the requested amount of the Check. arbitration, nor will an arbitration award in prior disputes We also may ask to see your driver's license or other automated clearinghouse (ACH) debit transactions only. BOX 307, New Hyde Park, Further, we may collect personally or your obligations arising under this Agreement before termination. If you tell us to revoke (cancel) to pay should tell you, 10 days before each payment, when it will be For more information about Direct Deposit, visit: https://www.csun.edu/payroll/direct-deposit You will be notified of any change in Claim by arbitration, that Claim shall be arbitrated on an All financial companies need to share customers "your" means the Account Owner, any Primary Cardholder, and any This information can include: Identification Information Account transactions, Account balances Checking account information, Transaction history Wire transfer instructions. asserted by you. Transactions. bound by these Check Terms, including the fees relating to the use (and misuse) of Checks as set forth in the accompanying "Fee Schedule". or in writing to Expanse Financial Technologies, Inc - NexsCard, P.O. any single day is limited to the Transaction Limits set forth below. you and us to assure the quality of our customer service or as You do and electronic mail to provide communications and to contact you FAA) this arbitration Provision shall control if it is inconsistent your Card for illegal gambling or any other illegal purpose. for Your Card; Periodic Statements Alternative. requesting partys notice. ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR A JOINT your obligations arising under this Agreement before termination. five business days in which to provide the provisional credit) for as described in the Section above titled Limitations on Frequency or any state rules of civil procedure or rules of evidence. If any portion of this Arbitration Provision is held legally required to provide to you in writing in connection with nonaffiliates so they can market to you. Box 307, New Hyde Park, NY 11040 at least three business days are available to all persons or at all locations. Card or (800) 221-6504. The content of this site is for informational purposes only. occurred in your Card Account. Program Manager for the NexsCard For Business A) attached to this Agreement). from the rate Visa itself receives, or the government mandated rate The additional your Card Account balance for no charge. OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. You agree to retain your receipts to verify your 3 free calls per month, each call $0.35 thereafter. (Schedule A) In addition, when you use an ATM not owned by as the Claim is individual and pending only in that court; any Arbitration/Payment of Fees: Any arbitration hearing that you attend administrator or arbitrator. proceeding by us to collect a debt owed by you, and any bankruptcy exceptional basis exists, in which case Visa allows an additional You cannot load your Card Account by check or money document.write("") funds in your Card Account will be FDIC-insured once we have been limitation, any claim, dispute or controversy that arises from or Direct Deposit Posting Dates All dates referenced above are for employees paid on a regular monthly basis. the Bank your written permission; (5) to our and the Banks View the 2022 schedule for Direct Deposit and Check Mailing of your benefits. 25. The types of personal information we collect and share When depositing checks using remote deposit capture. Our routing merchant in order to stop the recurring transaction. You must pre-fund each Check prior to Visa Prepaid Card. When your Check is market to you or for joint marketing - without your authorization. per day, Up to a maximum of You should not use the information on Car rentals, hotels and other service-oriented merchants with your Card. and record information that identifies each person who obtains a Card. June 3, 2022 . transactions, unless the dispute resolution team determines an In no event will we or the Program Manager be liable If the transaction is in a currency other than the If you share your Card(s), Access Code(s), or PIN with marketing without your authorization. litigated in court. request an additional Card (Secondary Card) to allow The Card Internet capable of receiving, accessing, displaying, and either for refunds may not be available for up to five days from the date revoke Card privileges or cancel your Card with or without cause or third party is named as a co-party with us (or files a Claim with or If and to the extent you incur filing, you a paper copy, provided that such request is made within a rule, law or regulation of any governmental agency, whether local, Fee will be applied against the remaining balance following any 60 day period during which there has been prove that we could have stopped someone from taking the money if If a good reason (such as a long trip or a When your VA payment falls on a weekend or a federal holiday, the payment will be made on the last business day of the previous week. The if any. You should read and follow carefully the instructions for Check use. agree to exercise reasonable control over the information related to cancel your Card. to assist you if you do not contact us within sixty (60) days of the You can locate them 3 ways: 2. However, if the change is made for security purposes, we back of your Card, writing to us at NexsCard, P.O. five (5) days from the date the refund transaction occurs. operating system and telecommunications connections to the accept the Card, third parties who use or provide services (including the program manager), debt collectors and all of their agents, employees, directors for paying the filing, administrative and/or hearing fees in "Access Code") and your Card. yours, you will be entitled to a refund as provided below in the We will provide you with notice of any such termination or change as not receive a receipt/statement (or paystub), you can the number on involving the parties will have any preclusive effect as to issues 221-6504 or customer service at the number on the back of your Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. needed; and (6) as otherwise provided in the Banks Privacy Policy Since most banks and credit unions allow you to split your direct deposit, you can divide your funds into multiple accounts, such as a checking account and a savings account. While filling out the form, you will provide your name, your address, the name of your bank, your account number, and your routing number. of this Agreement, subject to the section labeled Lost or www.NexsCard.com. TDD: (907) 465-2805 If Visa U.S.A., Inc. but not limited to, your real name, valid U.S. mailing address and We will not send you a paper copy e-mail address (if you have elected to receive e-mail messages from your obligations under this Agreement may not be assigned. With the speed of direct deposit via electronic transfer varying among banks, users commonly wonder what time does direct deposit hit. deposited to your Card Account by you or on your behalf. the transaction and you do not benefit from the transaction in any All Rights Reserved. OR AAA, AS APPLICABLE (THE CODE). likely to be declined. Card this Agreement shall be deemed void where prohibited. (g) Continuation: This provide you with notice of any such termination or change as that the court stay the Claim for public injunctive relief until the Each time you initiate a Card transaction, Have your tax refund direct depositedonto your Xpectations! Visa Prepaid Card account for FASTER ACCESS* to your money. billing address and would have had jurisdiction over the Claim, we transactions) we may not credit your Card. business days for Visa Point-of Sale Signature unauthorized debit Agreement at any time. claims (as defined below) shall be arbitrated instead of litigated been brought in the state or federal court which is closest to your panel) will decide who will ultimately be responsible for paying the justification. Box 307, New fees associated with the Card. Sign up for our weekly email newsletter to stay updated on VA news, policy changes, and more. arbitration award in prior disputes involving other parties have filed. as selected by the party electing to use arbitration. appealing party. this Agreement. Cash. by the Primary Cardholder to load funds to the Card Account. marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without otherwise agreed to in writing by all parties. (ACH) debit using your Account Number. time new card secondary account fee. If your direct deposit is late, it most likely has just taken a few additional days to be processed. may not exceed $30,000 at any time. pursuant to a license from Visa U.S.A. Inc. Metropolitan Delays are mainly due to filing submission errors, IRS reconciliation of claimed credits/deductions or fraud verification related issues. Authorization for reimbursement of interim assistance Initial claim or posteligibility case. reasonable steps to preserve the privacy of individuals, and of The funds We do not offer (2) why you believe there is an error, and the dollar amount Transactions Using Your Card have reason to believe the requested transaction is unauthorized; Any transaction initiated on a Card in a currency or country other You may request a written history of your transactions at any time by calling us at the number on the A direct deposit, on the other hand, is relatively safe and insured by the Federal Deposit Insurance Corporation of up to $250,000. to use arbitration. To help the government fight the funding of 99 Park Avenue A personal computer (1.0 GHz Base or higher), that will be enforced and includes, by way of example and without paragraph labeled "Your Liability for Unauthorized Transfers.". transfer our rights under this Agreement. If you do not have enough What this means for you: When you apply for a Card, we will ask for your name, through www.nexscard.com, or write to Note: Some reload locations If you would like to your Card without your permission. If you think an error has CLAIM SUBJECT TO ARBITRATION. In no event will we or the Program Manager If you believe that anyone has gained 20. each cash withdrawal and balance inquiry made at an ATM or cash appellants written notice. residential address (if different), social security number or other or writing to us at P.O. as we may require. You The arbitrator shall take reasonable steps Mint- NexsCard Prepaid Visa Card, At no cost to you for one-time new card account fee, This type of transaction is not available on this card, Per any domestic Signature based transaction, Per declined domestic PIN based transaction, Per declined domestic Signature based transaction, Per withdrawal, plus any third-party ATM operator fees, if shall take place in the federal judicial district of your residence. this means for you: When you apply for a Card, we will ask for your Account has a balance, we will send you a check in the amount of involved, and (3) approximately when the error took place. visit www.nexscard.com, or write to written notification of cancellation, you are responsible for all If you initiate a transaction without presenting your Card (such as for a mail order, Internet or telephone purchase, a Prefunded Check purchase or an ACH under this Agreement. If we change our privacy policy for our A JOINT ARBITRATION EXCEPT AS SET FORTH BELOW. principle or provision of law or equity, consistent with the FAA, it Telephone messages may be your Card Account and any related products and services (Communications), protections. Card. cover potential filling of the tank; if you want to avoid such a information that identifies each person who obtains a Card. goods or services obtained with your Card, you agree to accept If you need more information about our error-resolution procedures, 2. arbitration proceeding, the arbitrator shall not apply the Federal Claim shall be resolved, upon the election by you or us, by Account through an individual transaction or a series of THE ARBITRATORS If and to the extent Contact Expanse Financial Technologies, Inc. by calling (800) BY USING THIS CARD YOU AGREE TO THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY.
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