Judgment on the arbitration award may be entered in any court having jurisdiction. Amendment, Suspension and Cancellation. Approximately when the error took place. These measures are specifically designed to help us protect your identity and identify possible fraud on your Card Account. Expense management. These transaction limit amounts may be lower when your card is not present, such as an online transaction. Back up data automatically if possible, or at least weekly, and store the copies either offsite or on the cloud. We may temporarily suspend freeze your Card and Card Account and try to contact you if we notice transactions that are unusual or appear suspicious. Over the last seven years, Sutton has focused on providing corporate banking services to fintech. You agree to retain, verify, and reconcile your transactions and receipts. The Card is a prepaid card. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. 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). Laptops can be particularly easy targets for theft or can be lost, so lock them up when unattended. For customer service or additional information regarding your Card, please visit the help and support sections available in the App or on the Website (https://www.majority.com) or contact Customer Service by phone. Use theSupply Chain Risk Management Toolkitto help shield your business information and communications technology from sophisticated supply chain attacks. 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. 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. The Visa Gift Card can be used everywhere Visa debit cards are accepted in the US. H-E-B engages in the money transmission business and/or sale of stored value products as an authorized delegate of InComm Financial . Additional information and applicable terms and conditions will be provided to you in the App and at the Website. Cyber-attacks are constantly evolving, but business owners should at least be aware of the most common types. Read More Business Details. The funds associated with the Card do not expire. For existing companies, the Tribal account opening process is 100% digital and the application process typically takes less than 10 minutes. The first step in improving your cybersecurity is understanding your risk of an attack, and where you can make the biggest improvements. 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. 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. If we exercise this right, we will incur no liability to you because of any resulting unavailability of the funds in your Card Account or your inability to use your Card. 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. $0. If any transactions cause the available balance in your Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees. https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf. Here are a few things we've learned. Marqeta is the world's first modern card issuing platform. 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. NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. All Cards are issued by Sutton Bank and distributed and serviced by Majority USA, LLC. VISA with Rewards. Media & ad agencies. Sutton Bank does not provide customer service for the Georgia Cash Assistance Program. You agree to pay us promptly for the negative balance. Purchased at a Walgrens on 12/20/21 at 1:23 pm. Building and adopting a component library in the context of a vibrant business is no easy feat. These may change or we may introduce new ones in the future. 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. This means that the innate human tendency to be a social creature is what will be exploited here. After collecting the necessary data, attackers will behave as the company CEO or any high-level executive and send an email to employees in finance, requesting money transfers to the account they control. The Gift Card Granny Visa or Mastercard is a prepaid Card issued by Sutton Bank. This card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. This type of scam usually targets employees from the HR and bookkeeping departments. 22. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. $4.95 Purchase Fee. You and your mean the person who have received the Card and is authorized to use the Card as provided for in this Agreement. Lending criteria apply to approval of credit products. To activate your Card, follow the steps and instructions for activation in the App. Requests for address or name changes may be subject to additional verification requirements. - View Account Balances. Finally, BackOffice.Co Inc. . Leverage existing relationships with issuing banks, networks, and card fulfillment providers to go live in days not months. 10. Transaction limits point-of-sale. Program management. The Department of Homeland Securitys"Stop.Think.Connect" campaignoffers training and other materials. With your PIN, you may use your Card to obtain cash from any Automated Teller Machine (ATM) that bears the Visa acceptance mark, or you may use the Card to withdraw funds at any point-of-sale (POS) device, as permissible by a merchant, that bears the Visa acceptance mark. Options may vary. You can manage your preferences. For better lifestyles. The Card cannot be redeemed for cash. This Agreement is effective April 01, 2021. An executive or employees email account is hacked and used to request invoice payments to vendors listed in their email contacts. 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. The Card is not a gift card or gift certificate. 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. In some cases we may follow up and request company bank statements or additional . Ransomware is a specific type of malware that infects and restricts access to a computer until a ransom is paid. Rejection of this Arbitration provision will not affect your other rights or responsibilities under this section or the Agreement. Insurance. Give us a call at +1-877-662-3489 or fill out the form below and well get back to you within 24 hours. You are responsible for keeping track of your Card Account available balance. Perfect for startups launching a card program. You are required to notify us immediately if you believe the Card is lost or stolen. Similar to logging in online, the app will usually provide you with a home screen once you . 26. You may also have additional security obligations related to agreements with your bank or processor. Cyber-attacks are a growing threat for small businesses and the U.S. economy. Any references to days found in this Agreement are calendar days unless indicated otherwise. Please notify us at Customer Service if you have any problems using your Card. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. If we decide that there was no error, we will send you a written explanation. The Card will remain the property of the Issuer and must be surrendered upon demand. All you need to do is complete a brief online questionnaire about your company operations, founders and sources of funding. The Card is issued by the Bank. The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. 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. Visa Business credit cards. 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. The Card is not a device that accesses money in an individual checking or savings account. 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. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. 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. IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. 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. The impulse to say yes fast to a request from your management overrides the need to double-check if everything is in order with that request in the first place. - Pay Bills. An ideal card for easy and efficient business purchases. 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 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. The end goal of a BEC fraud is to persuade the target to make a money transfer or send sensitive data to the attacker while believing they are executing a legitimate and regular business operation. You always find the most recent version of this Agreement in the Majority Mobile Application (App) and on https://www.majority.com (Website). 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. Our team of experts provide guidance from setup to launch & scale. 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. . We may temporarily suspend your Card in the event we detect unusual or suspicious activity. 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. Regular APR. You agree that the Issuer, Majority USA, LLC, and their respective affiliates, employees, or agents are not responsible for any interruption of service. 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. 37. 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. Square Checking is provided by Sutton Bank, Member FDIC. Typically, the minimum annual spend is $5 million CAD. Reap the benefits of your hard work, with our Platinum Credit Card. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. Secure your networksSafeguard your Internet connection by using a firewall and encrypting information. Such software is readily available online from a variety of vendors. There are a number of ways to get an Opal card, depending on the card you need. Isolate payment systems from other, less secure programs and do not use the same computer to process payments and surf the Internet. Your Card and your obligations under this Agreement may not be assigned. 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 . Already a Revenued cardholder? arrow_forward. Earn cashback rewards on eligible purchases with no cap. Total credit lines from $500 to $25,000. 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. Malware (malicious software) is an umbrella term that refers to software intentionally designed to cause damage to a computer, server, client, or computer network. Fast, free, and easy-to-use debit card; Select from a variety of fantastic debit card rewards through My Sutton Rewards; Safer than carrying cash; More convenient and safer than checks; Eliminate cost of purchasing checks; Make purchases anywhere Visa is accepted; 24/7 access to funds via ATMs free at Sutton branches If you have a Wi-Fi network, make sure it is secure and hidden. 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. Any different agreement regarding arbitration must be agreed to in writing. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. Secure payment processingWork with your banks or card processors to ensure the most trusted and validated tools and anti-fraud services are being used. Our Liability for Failure to Complete Transactions. Any translation of this Agreement is provided for your convenience. 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. 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. See how Square uses Marqeta. 28. Any request for a return of funds shall be processed within a reasonable period of time after your request. Payments are then sent to fraudulent bank accounts. You can also replace your Card by contacting our Customer Service (contact details at the very top). Most are the reloadable type. Phishing emails appear as though theyve been sent from a legitimate organization or known individual. Other Phone. 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. Customer Service Number: 1 (855)-553 3388. Alexandra Barring, Banking Moderator . $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions **. Viruses are harmful programs intended to spread from computer to computer (and other connected devices). 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. A card that can help drive process efficiencies and improve control over procurement spend. 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. If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the cardmember agreements for any other currently open Majority accounts you have will not apply to you, except for any claims subject to pending litigation or arbitration at the time you send your rejection notice. If you need more information about our error-resolution procedures, please contact Customer Service. Consider its appropriateness to these factors before acting on it. Learn about the threats and how to protect yourself. Helping your business make the most of the Scotiabank Visa* Commercial Card.