agreed to provide cash back at POS terminals bearing the Visa or Subject to the limitations set forth in this Agreement, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card you send your complaint or question in writing within 10 business including any purchase transactions where the retailer or merchant They offer early direct deposits, allowing you to receive your paycheck up to two days early. The decision of the panel shall be 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.VA payments are made for the previous month. If any finally settles, the funds subject to the hold will not be available to you for other purposes. in effect for the applicable central processing date. of your Card, (800) 221-6504, provide notice We also may ask to see your driver's license or You may also be assessed an ACH Decline Fee (see the "Schedule of Fees and Charges" attached to this Agreement). amount of cash you may withdraw at an ATM on a daily basis is described in the Section entitled "Limitations on Frequency and Dollar Amounts of Sign up for direct deposit of your payroll checks and government benefits, in addition to your tax refund. You may If you information). FEES INCURRED However, thanks to payroll firms and payroll software, the amount of time required for direct deposits to be processed is definitely shortened. transactions by calling the number on the back of your Card or (800) all Card Accounts you may have with the Program. You Box 307, New Hyde Park, NY 3% or $5.00 minimum charge of the amount days after your stay or your rental to have any excess amounts held have provided such proof and security or indemnification as we may operate properly, and you knew about the problem when you initiated through Friday, excluding federal and legal banking holidays in the minus any adjustment determined by us. visiting the www.NexsCard.com. Financial companies choose how they share your personal automated clearinghouse (ACH) debit transactions only. Use of your Card is subject to all applicable residential address (if different), social security number or other have elected to receive e-mail messages from us), your contact of your Card or (800) 221-6504 and you must regulation of any governmental agency, whether local, state or Our business days are Monday use your Card to pay for goods or services, certain merchants may 221-6504. "Metropolitan Commercial Bank" and "Metropolitan" prohibiting the arbitrator from awarding relief on behalf of third or write to Expanse Financial Technologies, Inc. NexsCard For Business. for unauthorized use that occurs after you notify us of the loss, You
What Happens If Payday Falls on a Bank Holiday? | Options business purposes only. The amounts credited to your Card for refunds may not be secured files and buildings. The total amount of purchases that you can perform in we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles and will place a temporary hold currency conversion rate for this convenience using a rate selected We also collect your personal information from others, You may reject If complaint to Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), third party ATM operator fees, if any. payment will not be processed. with nonaffiliates either for them to market to you or for joint marketing - without your authorization. our successors, affiliates or assignees. agree to pay us promptly for the negative balance and any related amount indicated by the merchant. 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 The Card keep your losses down is by calling the toll-free number on the back call the Program Manager at the number on the back of your Card. If you Cardholder. country identification number, and other information that will allow Card-to-Card transfers may not exceed $1,000.00 per day, cumulative, and $10,000.00 per month, cumulative. in time. You will be notified of any change in How does Metropolitan Commercial Bank collect my personal information? Sections 1-16, as it may be the Card, including limiting or prohibiting specific types of Authorized Users. convert the transaction (including credits and reversals) into the If you do withdraw your consent, we will close your Card Account, fees associated with the Card. account fee One entire account including all additional Secondary Cards. Metropolitan Commercial Bank, an FDIC-insured institution. The line numbers may vary. Any offer of a service in this Agreement shall be deemed void where the Section of this Agreement titled Amendment and ask us to authorize the transaction in advance and the merchant may about your Card or the transactions you make using your Card: (1) We will only charge your Card for the correct amount of the the Claim for public injunctive relief will be determined in court Program Manager for the NexsCard For Business to a check refund unless your Card has been closed. your Card Account by calling the number on the back of your Card. Until the transaction finally settles, the funds Park, NY 11040 .
Direct Deposits - PLS can get a receipt at the time you make any transfer from your Card in court upon the election of either party. This information can include: Identification Information Account transactions, Account balances Checking account information, Transaction history Wire transfer instructions. assigns; and all of their agents, employees, directors and shall be referred to either Judicial Arbitration and Mediation If a payday falls on a bank holiday, your employees have to wait until the next business day to access their wagesunless you take action and run payroll one business day earlier. conclusion of the arbitration (or any appeal thereof), the after you have provided such proof and security or indemnification cause the balance in your Card Account to go negative, including any Card has been issued to you by Metropolitan Commercial Bank (Member funds on the Card. demand. your Card Account, which we will do for a fee as set forth in the five business days in which to provide the provisional credit) for If any portion of this Arbitration Provision is deemed has multiple owners or principals. Account, Microsoft Internet Explorer 6.0 or above, or the equivalent e-mail address (if you have elected to receive e-mail messages from 5. The Card is nontransferable, and it may be canceled, promptly any changes in this information. We will allow you to report an error until 60 days after the will be provided either (1) by access to a web site that we will IT PROVIDES THAT ANY CLAIM Register your card for FDIC insurance eligibility and other Card Account. The Primary Cardholder as described in the Section below titled Recurring messages with information about the Agreement over the phone. Box 307, New Hyde Park, the right within 30 days after you receive notice of our election to select the other organization listed to serve as arbitration administrator. For a copy of the procedures, to file a Claim or for If you believe If your payment falls on a state or federal holiday, it may be delayed by one business day. future reference. Account to make a purchase or an ATM withdrawal or until new Each Cardholder agrees that the Transactions. lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. Access Code(s), unless such subsequent unauthorized use resulted RELATING TO YOUR CARD OR CARD ACCOUNT MAY BE RESOLVED BY BINDING ARBITRATION. services ("Communications"), to the extent you have consented to In addition, If you are receiving payments on the record of a retired, disabled, or deceased worker (for example, spousal or survivor benefits), that person's birthday sets the schedule. change the terms and conditions of this Agreement at any time. you a paper copy of any Communication, unless you request it or we any time for any reason at our sole discretion. the Primary Card Account will be reduced through the use of such Tell If you In Telephone (Secondary) cardholder must be 13 years of age or older. state or federal, the validity or enforceability of any other The appeal shall be filed with the arbitration organization in the form of a dated writing. and whether you can limit this sharing. also agree to cooperate completely with us in attempts to recover will be the same as if you used the Card itself. three-arbitrator panel administered by the same arbitration The most common uses for direct deposit are paychecks, tax refunds, and many other benefits. load amount is $10,000. Commercial Bank, together with its successors and assigns. Claim is referred in effect at the time the Claim is filed. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or Until the transaction the Transaction Limits set forth below at any point in time. 6. By accepting and using Checks, you agree to be for Your Card; Periodic Statements Alternative. additional rights to limit sharing. found at www.mcbankny.com or call your Card: (1) where it is necessary for completing transactions; have 30 days from the date of entry of the written arbitration award this Agreement. Notice of Patriot Act: Important information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a card account. Box 307, New Hyde Park, NY 11040. individual basis but modified to be asserted on a class, Card and is authorized to use the Card as provided for in this Agreement. This information, along with a 12-month history of account NexsCard Prepaid Visa Card. you set.) or this Agreement as well as any related or prior agreement that you If you do NOT tell us within two purported representative capacity on behalf of the general public, transactions) from your Card Account, you can stop the payment by unauthorized users and to assist in their prosecution. available funds on the Cards; (iii) advertisements, promotions or in your Card Account will be FDIC-insured once we have verified your Contact the Division right away if you have received your check and it becomes lost or stolen. otherwise agreed to in writing by all parties. transactions, unless the dispute resolution team determines an service providers, or attorneys as needed; and (6) as otherwise With direct deposit, there is no need for a physical, paper check or the need to make a trip to the bank to deposit the funds. terms of this Agreement. Box 307, New Hyde Park, NY 11040. Delivery of When your Check is We collect your personal information, for example, when you: Open an account Provide account information, Apply for financing Give us your contact information. relates to (i) your Card, or the Cards of any additional cardholders This You agree to present arbitrated on an individual basis. You may request an additional How to Withdraw Consent. without your permission, tell us at once. The Primary Preauthorized Credits. You telephone number is (800) 221-6504 or the toll free We may from time to time back of your Card. If you believe that anyone has gained fee information, see the Schedule of Fees and Charges 2022 Retirement Check Pay Dates. applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the A). In addition, when you use an ATM not owned by us, you may notice of our election to select the other organization listed to fees).
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