The Card remains the property of the Bank and must be surrendered upon demand. The Revenued Business Card Visa Commercial Card is powered by Marqeta. 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 You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions made with your Card. We will not charge you any fees for the initial issuance or use of the Card. Requests for address or name changes may be subject to additional verification requirements. The Card is not for resale and may not be transferred or assigned. You may obtain information about the current amount of money you have remaining in your Card Account by calling 1-855-553-3388. The Revenued Business Card Visa Commercial Card is powered by Marqeta. 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. 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. Industry leaders across on-demand delivery, expense management, digital banking & more use Marqeta to quickly launch programs. Check with your vendors that handle sensitive data, especially financial institutions, to see if they offer multifactor authentication for your account. This free app provides you with quick access to the online banking tools you need, so you can manage your finances on the go. Unfortunately, cybercriminals have discovered how to steal your hard-earned money. Platinum Mastercard. Crypto cards. FEATURES INCLUDE: Visa Gift Card from $20-$500 denominations. 14.99% - 29.99%. 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 will receive a weekly report for your action. 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. If you arrange to have funds transferred directly to your Card Account from a third party through an ACH load, you must enroll with the third party by providing the bank routing number and direct deposit account number that we provide you. The finally Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc. . The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. 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. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION (ARBITRATION SECTION) REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION. 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. If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we may be liable for your losses or damages. Received a Holiday Cheer Gift card for $100.00. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. A dedicated specialist from Scotiabank is ready to assist - from consultation to implementation to help ensure your team takes full advantage of the program. See how Square uses Marqeta. As a best practice, we recommend using one virtual card per vendor. In that event, we may try to contact you at the address shown in our records. Critical data includes word processing documents, electronic spreadsheets, databases, financial files, human resources files, and accounts receivable/payable files. Control physical accessPrevent access or use of business computers by unauthorized individuals. These may change or we may introduce new ones in the future. 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. Square Checking is provided by Sutton Bank, Member FDIC. To protect the use of your Card, you are required to set a personal identification number (PIN). *When consolidating purchase volume processed through Marqetas platform in 2019. The attacker will try to either obtain access to the email addresses of the influential people in the company or just impersonate them. By checking this box, you agree to receive marketing emails from Visa. Simplify your life and stay in control conveniently and securely, with the Sutton Bank Mobile App. In this specific scam companies working with foreign suppliers are often targeted. You may use your Card to purchase or lease goods or services online, by mail or telephone wherever Visa debit cards are accepted as long as you do not exceed the value available in your Card Account, or any other limitations set our herein. 26. IF YOU HAVE QUESTIONS ABOUT THIS REQUIREMENT, PLEASE CONTACT CUSTOMER SERVICE. Fraudulent or Criminal Card Account Activity. H-E-B engages in the money transmission business and/or sale of stored value products as an authorized delegate of InComm Financial . Macao . Any organization requires effective communication. 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. - Pay Bills. 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. 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. Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. The Card is not connected in any way to any other account. Visa currently exchanges from US$ to AU$ at about 1.07, very close to the listed international exchange rate. Third party data and message fees may apply. Most are the reloadable type. You will not be able to use your Card after the valid through date; however, you may request a replacement Card by following the procedures in the paragraph labeled Card Replacement. The new Card will have a value equal to the remaining balance of the expired Card. Malware can include viruses and ransomware. Our Privacy Statementexplains how we use cookies. If you do provide access to your Card or Card number, you are liable for all transactions incurred with the Card or Card number. Legacy payment solutions are slow, rigid, and lack fraud controls. You hereby agree to our collection, use and sharing of information about you and the Card as provided in our Privacy Policy, which is made a part of this Agreement. If we decide that there was no error, we will send you a written explanation. 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. If you make a purchase using your Card in a currency other than in U.S. dollars, the amount deducted from the available funds in the Card Account will be converted by Visa into U.S. dollars. Small businesses are attractive targets because they have information that cybercriminals want, and they typically lack the security infrastructure of larger businesses. FOR QUESTIONS OR ASSISTANCE, PLEASE CONTACT CUSTOMER SERVICE AT 1 (855) 553-3388. 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. 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. Additional terms and conditions may apply. 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. It isn't connected to a personal bank account or another debit card. Get 15% off on individual courses at edX, only with your Visa card. Download your bank app. Accounting: You can create merchant rules . 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. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. This type of scam usually targets employees from the HR and bookkeeping departments. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious. 16. Assignment; Applicable Law; Severability. Approximately when the error took place. The card was sealed in original packaging until approximately 8:45am on 09/30/2022. $0. Those types of cards are issued by two parties: a bank and a non-financial entity ( for example a retail merchant). This means that the innate human tendency to be a social creature is what will be exploited here. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. All credit decisions are made by Backoffice.co, Inc DBA finally. The maximum balance allowed on your Card is $10,000. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any third party, stalk, threaten or harass anyone, gain any unauthorized entry, or interfere with the systems and integrity of the App and Website. * Rewards offers are subject to approval. 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. IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. Gonczi called Sutton Bank to investigate. 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 . *The MAJORITY app facilitates banking services through Axiom Bank, N.A. Ransomware is usually delivered through phishing emails and exploits unpatched vulnerabilities in software. 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. If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by the Card Network into an amount in the currency of your Card. Instantly issue & process card payments with our open API platform. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Co-Branded Credit cards allow large businesses such as retail chains, hotels or airlines to offer special discounts, cashbacks . Why you believe there is an error, and the dollar amount involved, 3. Once they have them; they can use them to transfer money out of your bank account and into theirs. The Card is issued by the Bank. 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. Other fees may apply. If you use your Card after such notice or modification is provided, you are agreeing to the change. This information, along with a 12-month history of the Card Account Transactions, is also available via the MAJORITY App. The Card is a prepaid card useable wherever prepaid debit cards bearing the applicable payment network brands on your Card are accepted worldwide. Other Phone. These emails often entice users to click on a link or open an attachment containing malicious code. . You are responsible for notifying us of any change in your name, physical address, mailing address, email address, or phone number. Malware (malicious software) is an umbrella term that refers to software intentionally designed to cause damage to a computer, server, client, or computer network. To find out if the Commercial Card program is right for your business, or to explore our other payment solutions, please speak with a Payment, Cash Management & Deposits Specialist today. We will tell you the results within three (3) business days after completing the investigation. For more information on how Visa collects and protects your personally identifying data, . We use cookies for security purposes, to improve your experience on our site and tailor content for you. 2 Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if . What this means for you: when you apply for a Card, we will ask for your name, address, date of birth, and other information that will allow us to identify you. 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 . 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. 55 day interest-free period on all purchases. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. 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. Back up data automatically if possible, or at least weekly, and store the copies either offsite or on the cloud. . An extremely important step an organization must take in safeguarding against BEC is to provide employees with adequate cybersecurity training. A strong password includes: Multifactor authenticationMultifactor authentication requires additional information (e.g., a security code sent to your phone) to log in. Our 5-star customer service team is here to answer any questions you may have. Having at least basic email security in place and two-factor authentication is a must. Phishing emails appear as though theyve been sent from a legitimate organization or known individual. Reimbursements will show in your bank statement using the following template: first, "RAMP REIMBURSE", followed by the first initial and last name of the employee being reimbursed. There are also maximum load restrictions we may place on your Card when aggregated with any other Cards you have. 27. You agree to present your Card and meet identification requirements to complete load transactions as may be required from time to time. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CONTACT CUSTOMER SERVICE TO CANCEL YOUR CARD AND TO REQUEST A REFUND. For the avoidance of doubt, the use of your Virtual Card will have the same legal effect as when you use your Plastic Card. Annual Fee. Rejection of this Arbitration provision will not affect your other rights or responsibilities under this section or the Agreement. On-demand services. Save 10% on full-price purchases over AUD $200, or 12% off purchases over AUD $400 when you pay with a valid Visa card. Amendment, Suspension and Cancellation. Any translation provided may not accurately represent the information in the original English. Complimentary insurances. If you need to replace your Card for any reason we recommend that you make your request for a replacement Card within the App. Read More Business Details. You can unsubscribe at any time. 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. Buy Now, Pay Later. 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. 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. FCC Planning ToolThe Federal Communications Commission offers acybersecurity planning toolto help you build a strategy based on your unique business needs. 20192023 MAJORITY USA, LLC. The Card issued to you by Sutton Bank enables you to make certain electronic fund transfers to and from your prepaid Card Account with Sutton Bank. This service can help secure your internet-facing systems from weak configuration and known vulnerabilities. Keep your money in your wallet. These types of transactions include (i) ATM transactions, and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa. Note that you may also be charged a fee for a balance inquiry even if you do not complete a fund transfer. All you need to do is complete a brief online questionnaire about your company operations, founders and sources of funding. 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 PIN must be used on all automated teller machine (ATM) transactions and PIN transactions. Any request for a return of funds shall be processed within a reasonable period of time after your request. 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. From global enterprises to booming startups, innovators count on Marqeta. Use antivirus software and keep it updatedMake sure each of your businesss computers is equipped with antivirus software and antispyware and updated regularly. ZA Bank (Visa Debit card) *Bank-issued American Express cards aren't supported. However, there are some exceptions. or Sutton Bank, Members FDIC. Earn cashback rewards on eligible purchases with no cap. VISA with Rewards. Because people have a natural desire to be helpful and prove their usefulness, therefore likely to becomevictims of BEC attacks. You can also set up direct deposits to your account and get a debit card. . Sutton Bank is not making the credit decision. Preauthorized transfers will not be allowed. | The Revenued Business Card is a purchase of future receivables and not a loan. Target Market Determinations for the products are available. 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. You can also replace your Card by contacting our Customer Service (contact details at the very top). 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. Learn about the threats and how to protect yourself. 1-16. . Besides no annual fees, this card also doesn't come with any activation or maintenance fees, making it a perfect cost-effective . We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. Leverage existing relationships with issuing banks, networks, and card fulfillment providers to go live in days not months. 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. 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. You and your mean the person who have received the Card and is authorized to use the Card as provided for in this Agreement. 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. 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. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. Perfect for startups launching a card program. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. You agree to retain, verify, and reconcile your transactions and receipts. We may revoke or suspend your Card or any features or services of your Card at any time without cause or notice. 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. Applicable law may require us to report to state government authorities any funds remaining with respect to your Card after a certain period of inactivity. Blue Ridge Bank, a nationally-chartered commercial bank, Member FDIC, originates personal loans and auto refinance loans. Ransomware is a specific type of malware that infects and restricts access to a computer until a ransom is paid. We may, subject to applicable law, deliver to you any notice of such modification to the Agreement by way of publishing an updated version of this Agreement within the App and on the Website or by delivering notice of the modifications to you electronically. After the code is run, your computer may become infected with malware. However, certain third-party fees may apply as further described below. Program management. 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. Sometimes employees tend to rush an action or a response, therefore training them to double-check before executing a task could reduce the risk of being compromised by a cyber attack. Add some flexibility to your budget with a card thats accepted everywhere. Encourage employees to challenge suspicious requests. No cash or ATM access. Easily expand across the United States, Europe, and Asia with our global-ready platform. issuer name / bank card brand card type card level; 425755: united states: sutton bank : visa debit prepaid 450812: united states: sutton bank : visa debit prepaid 452283: united states: sutton bank : visa credit classic 470199: united states: sutton bank : visa debit prepaid 472001: united states: sutton bank : visa debit business 479146 . $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions **. Westpac purchasing card. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. The Card is not a credit card and will not enhance your credit rating. It is important to know your available balance before making any transaction. There are cases when attackers are pretending to be a lawyer or someone from a law firm that is supposedly in charge of crucial and confidential data. A cybersecurity risk assessment can identify where a business is vulnerable, and help you create a plan of actionwhich should include user training, guidance on securing email platforms, and advice on protecting the businesss information assets.