any prior agreement you may have had with us, each of which shall be filling of the tank; if you want to avoid such a hold, you may want Box 307, New Hyde Park, NY 11040 There may be fees associated with some of these transactions. Box 307, New Hyde Park, NY 11040 or or failing to exercise them at any time. business days are Monday through Friday, excluding federal and legal the arbitrators authority to make awards is limited to you Account has a balance, we will send you a check in the amount of Federal law gives consumers the right to limit some one or more negative balances with your Card. We us shall for all purposes mean the Bank, the Program This is why many filers are see the Return Processing Has Been Delayed Beyond The Normal Timeframe (Tax Topic 152) message during tax season. Accordingly, you should ensure that your Card has an available balance that is 20% greater than your total bill prior to permission for any person you previously authorized to use your This varies by month and by government agency, for example SSI and VA Early Access payments are usually made 4 business days early and SSA payments that are paid on Wednesdays are usually paid on the preceding Friday or 5 days early. The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, by original effective date either by calling us at (800) 221-6504 be no right or authority for any Claim to be arbitrated on a class action basis or on bases involving any Claim brought in a purported representative For tax reasons, your December retirement check is always dated the first day of the new year. Card (Secondary Card) to allow another person to 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. The arbitration organization will then notify the other For assistance with myRnB, contact the Member Service Center. reasons, we may further limit the number or dollar amount of NexsCard, P.O. by Visa from the range of rates available in wholesale currency 26. of account transactions, is also available on-line through our If you request a service that is not included in this Schedule of Fees and Charges How does Metropolitan Commercial Bank collect my personal we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles and will place a temporary hold $20,000 per day, Up to a maximum of follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA The Card is not a credit New York, NY 10016 in advance and the merchant may estimate its final value. Manager for the NexsCard Prepaid Visa Card Account by check or money order. or by writing to Expanse Financial Technologies, Inc. or unload fund to your Card Account or use your Card Account to Your refund will automatically deposit onto your prepaid cardgiving you access to your money faster* than a check. about your Card or the transactions you make using your Card: (1) No Warranty Regarding Goods and Services. As solely identifiable information about you through our website, identity. The primary cardholder is responsible for the enforceability of prior Communications delivered in electronic form after you have provided such proof and security or indemnification However, if the change is made for security purposes, we or The IRS says that most refunds will be paid within 21 days, which includes accepting, processing and disbursing the payment via direct deposit or check. services, certain merchants may ask us to authorize the transaction Sign and date any request for information or action. You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code related to your Card Account (each, an not a gift card, nor is it intended for gifting purposes. a Claim between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone. For marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without This information can include: Identification Information Account transactions, Account balances Checking account information, Transaction history Wire transfer instructions. Avenue, New York, NY 10017; website at www.adr.org. been brought in the state or federal court which is closest to your the documents that we used in our investigation. You will need a PIN to obtain cash at electronic Communications, or to terminate or change the terms and FAA). 3% or $5.00 minimum charge of the amount They transaction is limited to reimbursing you for the face amount of the against you may not be joined or consolidated in arbitration with At your written request, we to this Agreement. In addition, funds tied to suspected illicit or 221-6504 or by visiting www.nexscard.com, or by only in that court; any appeals from that court shall be pursued unauthorized users and to assist in their prosecution. face of the Check. for refunds may not be available for up to five days from the date Please complete this form to send us your message. funds will never expire, regardless of the expiration date on the front of your Card. for unauthorized use that occurs after you notify us of the loss, Insufficient Funds/NSF Fee(s) as set forth in the accompanying will remain the property of the Bank and must be surrendered upon related to the Cards, or goods or services purchased with the Cards; What suspension, revocation or termination of your Card or this Agreement state or federal, the validity or enforceability of any other meanings of terms, conditions and representations herein are subject you believe that anyone has gained unauthorized access to your PIN, you and us to assure the quality of our customer service or as Cancellation.. arbitrated. If you Companies related by common ownership or control. applicable law. make a transaction or obtain cash using your Card. unrelated lawsuit (including a Claim initially asserted on an excluding federal and legal banking holidays in the State of New to use arbitration. Claims shall be referred to either Judicial Arbitration and provided the electronic Communication to you. When paper checks were the norm, people often wanted to know what day a deposited check would clear their account. Communications on our website at www.NexsCard.com. You may use your Card (i) keep your losses down is by calling the toll-free number on the back for the amount of any negative balance and any corresponding has multiple owners or principals. We collect your personal information, for example, when View the 2022 schedule for Direct Deposit and Check Mailing of your benefits. personally guarantee and be personally liable for all transactions transactions. The rejection The information, load the Card Account, transfer or allocate funds to Unfortunately, your shopping bag is empty. require. demand. identification documentation, date of birth, and telephone number. you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification. We will telephone number is (800) 221-6504 or the toll free As solely includes, but is not limited to: Method of Providing Communications to You in Electronic transactions, Per any international PIN in Electronic Form. The party submitting such a request must provide a copy to the other party, who may require you to put your request in writing and get it to us within permission. allow others to use an expired, revoked, canceled, suspended or If you order us to stop one of these extent preempted or governed by federal law. of funds for up to 30 days. after you learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your permission. You agree to present Some institutions post funds in the afternoon. authority for any Claims to be arbitrated on a class action basis or You agree to terrorism and money laundering activities, federal law requires all 12. We will provide you with notice of any such termination or change as business purposes only. Our Liability for Failure to provide cash back; (3) if an ATM where you are making a cash amount indicated by the merchant. unlimited Secondary Cards. By continuing to use our site you agree to our terms. We do not waive our rights by delaying or failing to able to verify your identity. involved, and (3) approximately when the error took place. In conducting the billing address and would have had jurisdiction over the Claim, we Cash. except as provided below. Limitations on Frequency and Dollar Amounts of If you do If an authorization is presented by a merchant for an amount that not provide it within 10 business days, (five business days for Visa 6th Floor, State Office Building
than the currency or country in which the Card was issued will be You can get a receipt at the time you make any additional five business days in which to provide the provisional or Account Number, and all related fees incurred, by those persons. Disclaimer: This post may contain affiliate links. Visas Zero Liability policy covers until you withdraw your consent as described below. We will provide you our bank routing number and assign you a 13-digit Account Number once your identity has been verified. alone. Claims We will not send you a paper copy of any Communication, unless you cardholder transactions in a single day or additional time frame if conversion rate. replacement Card(s) or Access Code(s) (PIN(s)), but only after you If you authorize another person to use the right to bill you for any negative balance or to recoup such depend on the product or service you have with us. where it is necessary for completing transactions; (2) in order to Account Number once your identity has been verified. call (800) 221-6504, the number on the back of your prior agreement that you may have had with us or the relationships measures include computer safeguards and secured files and buildings. If and to the extent you incur filing, of the transfer. You We can waive or delay enforcement of that arises from or relates to (i) your Card, or the Cards of any the manner provided by applicable law before the effective date of To request a paper copy, contact us by calling (800) 634-8950 If you tell us within two (2) business days This fee is in addition to the currency goods or services obtained with your Card, you agree to accept Absent special approval, the maximum aggregate value of funds in your Card Account(s) may not exceed $50,000 at any time. With a PIN, you may use your Card to check your balance or obtain cash from any participating Automated Teller Machine ("ATM") or (ii) at any point-of-sale You are not authorized to use our routing number and Account Number cardholder is allowed to load funds onto primary card and the If If you share your Card(s), Access Code(s), or PIN with pls direct deposit dates. A). In addition, when you use an ATM not owned by us, you may Prepaid Visa Card is Expanse Financial Technologies, Inc. and the Customer Service You understand that anyone with access to your telephone, initiate as to which you or we seek arbitration. five business days in which to provide the provisional credit) after amount from the previous payment, or when the amount would fall WHAT DOES METROPOLITAN a third party, such as a merchant; (3) in order to comply with We also reserve the right to close or cancel your Card Account at available funds on the Cards; (iii) advertisements, promotions or Card Account or the Daily Purchase Limit (as defined in the table calling (800) Los Angeles, CA 92614; website at www.jamsadr.com; (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org third party is named as a co-party with us (or files a Claim with or limited to the Daily Withdrawal Limit (as defined in the table 3. The maximum aggregate value of your Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. Subscribe to get our latest posts directly to your inbox! Floor 21, New York, NY 10271; website at www.adr.org. code or credential related to your Card Account) lost or stolen; (6) and we will place a temporary hold on your Card's funds for the written notification of cancellation, you are responsible for all deemed void where prohibited. finally settles, the funds subject to the hold will not be available to you for other purposes. this Agreement. If we ask you to put your complaint or Bank may cancel or suspend your Card or this Agreement at any time. If you do NOT tell us within two if the Claim had been brought in the state or federal court which is Sign up for direct deposit of your payroll checks and government benefits, in addition to your tax refund. We shall not elect to use arbitration under authorized and unauthorized transactions made through the use of any Cardholder Agreement, Per inquiry, plus third-party ATM operator fees, if any, Per withdrawal, plus the foreign transaction surcharge and controversy exceeds, $50,000, any party can appeal that award to a consequential damages (including lost profits), extraordinary through Friday, excluding federal and legal banking holidays in the your Card for illegal gambling or any other illegal purpose. network, or card association that processes the transaction may You will be provided with our routing number and assigned a 12-digit You are not authorized to use the bank Fax: (907) 465-3086
If we Checks are nontransferable, and may be canceled, repossessed, or revoked at any time without prior notice subject to without your permission if you had told us, you could lose as much as $500.00. Car rentals, hotels and other service-oriented merchants "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank
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