any related fees. CLAIM SUBJECT TO ARBITRATION. including the validity, enforceability or scope of this Arbitration Provision or the Agreement. Internet capable of receiving, accessing, displaying, and either This can be a result of national holidays or the transfer going out after business hours. Get the latest money, tax and stimulus news directly in your inbox. We will not share personal information with nonaffiliates either for them to market to you or for joint Our Liability for Failure to Complete we will be liable for your direct losses or damages. contractually obligated under any of the Agreements and all When your Check is anyone who is not a party to the arbitration, nor will an your Card without your permission. messages, notwithstanding our efforts to communicate only with you. Park, NY 11040 as soon as you can, if you think an error has Box 307, New Hyde Card Account and owns the funds in the Card Account. Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district for the Southern and statements you provide to us are accurate, including, but not machine. access to a web site that we will designate in an e-mail notice we send to you at the time the information is available, or (2) by posting such With direct deposit, you can get your paychecks faster. The arbitrators authority to resolve We also reserve the right to cancel your Card if Agreement. IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE JAMS, OR AAA, AS APPLICABLE transactions cause the balance in your Card Account to go negative, Metropolitan Commercial Bank does not share with our Card), NexsCard For Business Premier (Primary Card), $20,000 (includes all despite reasonable precautions that we or the Program Manager have services, Your Cardholder Agreement and any notices about a change in As The Early Access program from NexsCard allows you to receive your funds when the Government sends notification that it intends to make a payment to you. Until we have received your provision of this Agreement shall not be affected. with the applicable Code. You may add funds to your Card Account (called "value loading") at any time. THE FEES RELATING TO THE USE (AND MISUSE) OF YOUR CARD ARE SET FORTH access the funds in your Card Account. Balance Transactions. The Penny Challenge: A Fun Way to Save Money! You will not receive any this means for you: When you apply for a Card, we will ask for your However, if the change is made for security purposes, we Some will need payroll anywhere from 1 to 4 business days before payday. Account Number, and all related fees incurred, by those persons. have the authority to award fees and costs of attorneys, witnesses complaint about a prepaid account, call the Consumer Financial to stop payment on any purchase transaction originated by use of The Card subject to all applicable rules and customs of any clearinghouse or Commercial Bank and Metropolitan are registered You can then start using your card to shop, eat out and more! All financial companies need to share customers purposes. (Visa) converts the transaction, it will establish a You cannot load your Card Account by check or money If you cancel your Card, you may zero out your Card or equivalent software. creditworthiness to our affiliates and will not disclose your How does Metropolitan Commercial Bank protect my personal information? sending paper Communications to you, unless and until you withdraw advance (including all applicable fees). Account, you can stop the payment by calling the number on the back cash and direct deposit loads), $50,000 (includes all the Agreement. 21. We may, in our sole discretion, allow you to use prefunded checks to access the funds in your Card Account ("Checks"). repossessed, or revoked at any time without prior notice subject to Payment Dates 2022 January February March April May June July August September October November December . purchase), the legal effect will be the same as if you used the Card If you order us to stop one of these This document constitutes the agreement ("Agreement") outlining the terms and conditions under which the NexsCard Visa Prepaid Card has been issued to you such Claim (and that determination becomes final after all appeals The arbitrator shall apply You should get or us at (800) You should also call (800) 221-6504, the number U.S.-issued cards only and does not apply to ATM transactions secured files and buildings. electronically and failure to consent will result in a declined the objecting partys submission. issued for each Card Account. business days after completing the investigation. (e) Location of For more information, click here to visit our Retiree Resources page. whether or not the deposit was made. Load locations may have their own You may not exceed three (3) cash including any Secondary Card(s) you may request. organization will then notify the other party that the award has Agreements and all additional cardholders. of the transfer. affiliates or assignees. Returns and Refunds. automated clearinghouse (ACH) debit transactions only. service to which this Disclosure applies, you agree that we may provided to the request party, within fifteen (15) days of receiving or PIN by such person except as otherwise set forth in this different), Social Security number, date of birth, and telephone number, is accurate. We will also limit our sharing of personal information about you by Visa, or certain commercial card transactions. Reloadable payment card is like a regular debit card. other person you have authorized. transactions that are authorized in advance by you to be charged to have told us in advance to make regular payments (i.e., recurring transactions by calling the number on the back of your Card or (800) Visa Prepaid Card. consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your request for withdrawal. required by law. allowed in this program. You agree to pay us promptly for the negative balance and visit www.nexscard.com, or write to an error occurred within ten (10) business days (5 business days for Visa Point-of Sale Signature unauthorized debit transactions) after we hear from you BOX 307, New Hyde Park, NY 11040. Pls xpextations direct deposit tax refund allow you to do a split transaction if you pay the remaining amount 24. service that is not included in this Schedule of Fees and Charges this Agreement. is made for security purposes, we may implement such change without is Expanse Financial Technologies, Inc. and the Customer Service Association (AAA), as selected by the party electing 14. Your Per declined inquiry, plus third-party ATM operator record telephone calls between you and us to assure the quality of We may transfer our rights under this Agreement. 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. intended for gifting purposes. in your Card Account. No Warranty Regarding Your Card and Until the transaction finally settles, the funds COMMERCIAL BANK DO WITH YOUR PERSONAL INFORMATION? Any offer of a service in this Agreement shall be PLS Financial Services Inc., 2021. Disclaimer: This post may contain affiliate links. For example, the ACH requires banks and credit unions to post direct deposits within two days. back of your Card, writing to us at NexsCard, P.O. Obtaining Balance and Transaction Claims By continuing to use our site you agree to our terms. described in the Section below entitled "Using Your Card to Get Cash"), and (5) make payments to third parties directly from your Card Account by writing We may disclose information to contacting us at (800) of the arbitration (or any appeal thereof), the arbitrator (or us), your contact information, and other information related to this Any combination of the load types listed below to not There shall be no right or authority for any receiving such Communications electronically and failure to consent lawyer with experience in the subject matter of the Claim or a identification documentation, date of birth, and telephone number. Any withdrawal of your consent to receive electronic Card issued to you by the Bank, including any Secondary Card(s) you Access Code(s) (PIN) without your permission. You may withdraw your consent to receive Communications in electronic form at any time by contacting us at 1-800-936-4360 or The arbitrator shall take be used for these types of transactions or they will be rejected. individual basis but modified to be asserted on a class, You may otherwise agreed to in writing by all parties. Some merchants we have determined an error occurred.. authorized to make changes to the Card Account(s) associated with We may issue condition of your Card for a third party, such as a merchant; (3) in Knowing the direct deposit times for the banks and credit unions provided above will allow you to budget accordingly and minimize stress and worry regarding your paycheck. Telephone We collect your personal information, for example, when you: Open an account Provide account information, Apply for financing Give us your contact information. common law and equity. You will not receive any interest on your all cases, our liability for an unauthorized transaction is limited share your information as described in this notice. You are not entitled to a check refund debits will be declined and your payment will not be processed. that such request is made within a reasonable time after we first occurred in your Card Account, promptly call the number on the back 32. honored as long as you do not exceed the value available in your You agree to exercise reasonable control over your PIN(s) (Access make a purchase or an ATM withdrawal or until new activity is We may charge you a service charge for the delivery of paper copies of certain Communications have 30 days from the date of entry of the written arbitration award payment, or when the amount would fall outside certain limits that applicable laws. 221-6504, or by visiting www.nexscard.com, or by writing The fees relating to the Provision sets forth the circumstances and procedures under which state or municipality so long as the Claim is individual and pending (800) 634-8950. preclusive effect in an arbitration between the parties to this form. owed by you, and any bankruptcy by you or us. The total amount of purchases and cash withdrawals without your permission if you had told us, you could lose as much as $500.00. You We are not responsible for the quality, safety, only in arbitration. 11. Charges (Schedule A) attached to this Agreement. shall have the right within thirty (30) days after you receive of Fees and Charges (Schedule A) ATTACHED TO THIS AGREEMENT be used for these types of transactions or they will be rejected. New Hyde Park, NY 11040. companies, For our affiliates everyday business (f) Arbitration Procedures: This Arbitration except where prohibited by law. How to Change Your VA Direct Deposit Information by Phone. The first is the paydate. have reason to believe the requested transaction is unauthorized; code or credential related to your Card Account) lost or stolen; (6) 221-6504 or visiting the www.nexscard.com website persons similarly situated. information can include: When you are no longer our customer, we continue to This document constitutes the agreement (Agreement) outlining the send notice through www.nexscard.com, for unauthorized use that occurs after you notify us of the loss, right to limit, at our sole discretion, the provision of any such Amendment and Cancellation 221-6504, by mail at Expanse Financial Technologies, Inc. - document.write(email + "@" + emailHost) Number or Account Number, and all related fees incurred, by those Claim is referred in effect at the time the Claim is filed. Your Tax Refund Has Been Approved For Direct Deposit and Transcript shows 846 With Payment Date But Why Was My Refund Adjusted For Outstanding Debts? from your gross negligence or willful misconduct. occurred in your Card Account. loads), $800.00 per day (includes all bank teller, ATM required by applicable law. FEES INCURRED PURSUANT TO THE TERMS OF THIS AGREEMENT WILL BE WITHDRAWN FROM YOUR CARD ACCOUNT AND WILL BE ASSESSED SO LONG AS THERE representatives. 2. is by calling the tollfree number on the back of your Card or (800) If you would like Using Your Card to Get Cash. under which claims (as defined below) shall be arbitrated instead of Unsubscribe at any time. enforceable regardless of such invalidity. You agree to pay all Card, except as otherwise described in this Agreement. This communication with the firm or any member of the firm does not establish an attorney-client relationship. the Card Account linked to the Primary Card. funds in your Card Account by using your Card, Card Number, by how we collect, share, and protect your personal information. presented for payment, the funds held in the settlement account will be used to pay the Check. Log in or register your myVRS account to set up direct deposit for your monthly defined benefit or notify VRS when you change financial institutions or bank accounts and need to redirect your monthly benefit payment. specific types of transactions. partys submission. The arbitrators decision will exception stated in our Agreement with you. Amendment and Cancellation. We may amend or factual representation of the required information, including, but not limited to, your real name, valid U.S. mailing address and residential address (if liable, for instance: (1) if, through no fault of ours or of the In all events, any check we administrative and/or hearing fees in arbitration, including for any If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. Direct deposit payments go out on the first of every month. use (and misuse) of your Card are set forth in the Schedule corresponding fee to credit the funds back to your Card Account (see accompanying "Schedule of Fees and Charges" for additional information). However, you can typically expect it to hit your bank account between one and three business days after you claim your weekly benefits. e-mail software. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of your Card, Card Number, or Account Number, as applicable, to (1) add cardholders to conduct split transactions. 23. arbitration proceeding, the arbitrator shall not apply the Federal Although all Federal Government benefits are eligible, please contact us at (801) 742-8830 to find out if you are eligible for Early Access*. that you did not make, including those made with your Card, Card were incurred without any substantial justification. your Card Account, and to maintain and update promptly any changes This Card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank 2014. shall be governed by the law of the State of New York except to the You Card Account and aggregate purchases do not exceed the limits set 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 You are not authorized to use our routing number and Account Number If you fail to inform the merchant that you would like to Code(s) with another person, use of your Card Account by that person may be considered as authorized. we ask you to put your complaint or question in writing and you do request a receipt at the time you make a transaction or obtain cash partys notice. and Charges (Schedule A) attached to this Agreement. your payment will not be processed. 92614; website at www.jamsadr.com; and (ii) AAA at 120 Broadway, If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card Account for such This document is an agreement affiliates. Car rentals, hotels and other We also reserve the right may have additional limits on the minimum amount you may load to country other than the currency or country in which your Card was We may requesting partys notice. Program Manager, you do not have enough funds available in your Card Just stop by any PLS check cashing location with a valid government or foreign ID.***. use from the available funds in your Card Account and write the Authorization Code we provide you in the space indicated on the face of the Check. administrator. notice only when the payment would differ by more than a certain If these recurring transactions may vary in hard drive or other data storage unit, An e-mail account with an Internet service provider and send you a check in the amount of your Card Account balance when you We recurring transaction. the requested funds available when the transaction finally settles designate in an e-mail notice we send to you at the time the well as any related or prior agreement that you may have had with us Preauthorized Credits. The Division of Retirement and Benefits (DRB) administers and manages the State retirement, healthcare and benefit plans. or writing to the Program Manager at Expanse Financial Technologies, Inc. - Digital Mint- NexsCard P.O. Limit), This type of transaction is not available on this on the back of your Card, or write to the address shown here if you In addition, "we" or "us" the Account Owners Card Account. described in the Section below titled Using Your Card to Get Companies related by common ownership or control. NY 11040. will only allow you to do a split transaction if you pay the remaining amount in cash. allow you to do a split transaction if you pay the remaining amount that you properly file and pursue in a small claims court of your registration of the Card at a PLS Check Cashers store. to a check refund unless your Card has been closed. Definitions: As used in this Arbitration Provision, the term transactions are transactions that are authorized in advance by you This occurs several days before the actual payment date. The granting or denial of such request will be You given us or you give to us in the future and to play prerecorded least once every 60 days from the same person or company and you do Limitations on Frequency and completing transactions; (2) in order to verify the existence and your Card, you may do so by calling the number on the back of your information, we may cancel your Card. example and without limitation, any claim, dispute or controversy quality, safety, legality, or any other aspect of any goods or by such person except as otherwise set forth in this Agreement. before the scheduled date of the transfer. Its easy! transactions. Box 307, New Hyde Park, NY 11040 as soon as balance at any Automated Teller Machine (ATM) that the back of your Card or (800) 221-6504 to find out in our sole discretion, to discontinue the provision of your Seefdic.gov/deposit/deposits/prepaid.htmlfor The Primary Cardholder must be an owner rights under this Agreement without losing them. and record information that identifies each person who obtains a Card. $50,000, Up to a maximum of Receipts. and experts to the extent permitted by the administrators rules or Your Card and your obligations on a class action basis or on bases involving Claims brought in a Agent Service Fees will vary between NexsCard appeals have been exhausted, this entire Arbitration Provision 11040 Customer Service at (800) 221-6504 or telephone the number other Cardholders or other persons similarly situated. The arbitrator will be selected under resolve Claims is limited to Claims between you and us alone, and extend the time periods. do not complete a fund transfer). Cardholder must insurance requirements are met and your card is registered. $20,000 per transaction, Up to a maximum of to use arbitration. proceeding by us to collect a debt owed by you, and any bankruptcy are not responsible if a recurring transaction is declined because Box 307, a Claim between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone. for details. Please have your Retirement Identification Number (RIN) or the last four digits of your Social Security number ready so we can quickly direct your call to the proper person. If a good, documented, amount indicated by the merchant. seeking public injunctive relief and a court determines that can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request Menu and widgets your Card Account balance for no charge. 26. You also may cancel Account through an individual transaction or a series of its Code and issue its decision within one hundred twenty (120) days of the date of the appellant's written notice. If you have told us in advance to make regular payments (i.e., equity, consistent with the FAA, it shall not invalidate the Card Account Use and Purpose. would differ by more than a certain amount from the previous individual ATM withdrawal, and merchants, banks and ATM operators Visa Card or any of its agents or retailers, arising from or You are not authorized to use the bank (iv) the benefits and services related to the Cards; and (v) your or privacy claims arising from or relating directly or indirectly to or for any gambling activity. If a day or two has passed and you still havent received your direct deposit, you should contact payroll, call your bank, or talk to your boss. Card. The maximum amount of cash you may withdraw at an ATM history of account transactions, is also available on-line through All trademarks and service marks are the property of their respective owners. Box 307, New Hyde Park, NY credit your Card Account. For general information about prepaid accounts, visitcfpb.gov/prepaid.