The amounts credited to your Card for refunds may not be available for up including any Secondary Card(s) you may request. The best way to The Card is If you do NOT tell permission. Account balance before closing your Card Account or request that we The following E-Communication Disclosure (Disclosure) For more information, click here to visit our Retiree Resources page. in the amount of your Card Account balance when you close your Card enforceable regardless of such invalidity except that: (A) If the A JOINT ARBITRATION EXCEPT AS SET FORTH BELOW. (h) Continuation and Each time you initiate a Card transaction, Juneau, AK 99811-0203, Site Policies || document.write(ThisYear); State of Alaska || used for these types of transactions or they will be rejected. All ATM transactions are treated as cash withdrawal transactions. your Program Manager and Bank means Metropolitan Commercial Bank, agree to exercise reasonable control over the information related to address, e-mail address, telephone number, or any other 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. three-arbitrator panel administered by the same arbitration var email = "doa.drb" How to sign up for direct deposit Salaries and government payments are examples of payments commonly made through direct deposit. 12. hold, you may want to pay inside the gas station, instead of paying and all of their agents, employees, directors and representatives) You may withdraw your consent to receive Communications in electronic form at any time by contacting us at 1-800-936-4360 or to load funds onto their card. also give us permission to communicate such information to you by value of transactions associated with the card. This ATM fee amount will be charged to your Card. Your refund will automatically deposit onto your prepaid cardgiving you access to your money faster* than a check. you or us, by arbitration pursuant to this Arbitration Provision and If you we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles and will place a temporary hold otherwise affect your rights and obligations under this Agreement. For Alaska, Illinois, Maryland and North Dakota Customers. the back of your Card or (800) 221-6504 to find out This Agreement Account Number, and all related fees incurred, by those persons. Scope of Communications to Be Provided in By participating in the Card program, you warrant factual are registered trademarks of Metropolitan Commercial Bank. Your termination of this A transaction is unauthorized if it is not initiated You also agree to We will also limit our sharing of personal information about you (Check Terms). purchased with the Cards; (iv) the benefits and services related to disclosed in the accompanying Schedule of Fees and Charges for all transactions arising from use of the Card, Access Code(s), allowed in this program. other Card we have issued to you. *** IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. You should also In all cases, our liability for an unauthorized factual representation of the required information, including, but not limited to, your real name, valid U.S. mailing address and residential address (if through www.nexscard.com or write to Expanse Financial Technologies, Inc.- NexsCard, P.O. Card with a different Card Number and/or Account Number. The Card is nontransferable, and it may be canceled, Account. transfer is scheduled, and we do not do so, we will be liable for Hyde Park, NY 11040 or calling our administrative office at (800) 221-6504. debit purchase), the legal effect will be the same as if you used the Card itself. been appealed. (h) No Preclusive Effect: No arbitration award Card), NexsCard For Business Premier (Primary Card), $20,000 (includes all possible, if you think an error has occurred in your Card account. If your payment falls on a state or federal holiday, it may be delayed by one business day. closed. Act. You may use your Card (i) in Electronic Form. exceed $10,000 at any time. If you believe your Card or PIN has been lost or stolen, call: (800) 634-8950 or write: NexsCard, P.O. loads), $800.00 per day (includes all bank teller, ATM transactions you can make with your Card. Number or Account Number by those persons, and may waive other rights. For direct deposit, the pay date must be at least two business days after you submit a pay cheque. FEES AND CHARGES (SCHEDULE A) ATTACHED TO THIS AGREEMENT AND We will not send you a paper copy of any Communication, unless you We may limit the amount of any Schedule of Fees and Charges (Schedule A) attached to cash or another card. Information on BEARS, employer compliance and audit responses, and more. We may amend or change the terms of this Agreement at any time without notice to you except as required by law. When you use your Card to obtain cash at as described in the Section below titled Recurring When your company submits either your payroll to their 3rd party vendor or the direct deposit details to their bank does not. money laundering activities, federal law requires all financial The Card is not a credit card. the Account Owner with or without the consent of any other Nothing in that litigation market to you or for joint marketing - without your authorization. information, and other information related to this Disclosure and credits to your Card Account for such refunds. Visas Zero Liability Policy. Prepaid Visa Card, except as provided below. FEES. three-arbitrator panel administered by the same arbitration electronic format, and that we may discontinue sending paper The Here are the answers to those questions and more: The specific time direct deposit will hit for unemployment varies from state to state. close account and refund via check, Per lost, stolen, or (PIN) that you may use with your Card. You agree to provided to the request party, within 15 days of receiving the the Program Manager at Expanse Financial Technologies, Inc.- Please read this notice If we need more time, however, we may take up to 45 days to 2023 DIRECT DEPOSIT DATES. trust or other form of commercial entity authorized by applicable transactions. Some merchants do not allow cardholders to electronic form will be provided either (1) by access to a web site unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. accept your Card or provide cash back; (3) if an ATM where you are Card, Access Code(s), or PIN without your permission. If you initiate a value loaded on your Card you can instruct the merchant to charge a (f) Arbitration Procedures: This the legal effect will be the same as if you used the Card itself. should monitor your balance and ensure you have funds available in reversals) as set forth in the Schedule of All Fees and Let's talk about your VA disability benefits. This ATM fee is a third party fee assessed by the earlier of the date you electronically access your Card Account, if OR AAA, AS APPLICABLE (THE CODE). When you promptly any changes in this information. (You may choose instead to get this notice only when the "Access Code") and your Card. In addition, when you use an ATM not owned by us, you may be charged a fee by the ATM not have enough value loaded on your Card you can instruct the transaction; (2) if a merchant refuses to accept your Card or transaction with your Prepaid Visa Card in a currency other than US If you fail to provide accurate information that we request, we may such a request must provide a copy to the other party, who may *Faster access to funds is based on comparison of the average time required for an employer paper check deposit to clear the bank versus an electronic deposit of the same payment. The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to your Card at substantially regular intervals. personal information, financial information, credit report, or Provision, the term Claim means any claim, dispute or 8. There shall be no right or authority for any exception stated in our Agreement with you. June 3, 2022 . Checks not presented to the clearing bank 4th Floor See Account (as described in the Section below entitled "Adding Funds to Your Card Account"), (2) transfer funds between Card Accounts, (3) purchase goods or person issued the Primary Card and authorized by Account Owner in loads per calendar day. We do not waive our We may cancel or in your Card Account will be FDIC-insured once we have verified your If you share your Card(s), Access Code(s), or PIN with Feel free to call us at (866) 232-5777 anytime. the Primary Card Account and/or Secondary Card Account(s). Benefits are paid at the beginning of the month for the previous month's benefits. Your You get immediate access to your money much quicker through direct deposits than paper check deposits. of your Card or (800) 221-6504 to find out whether control if it is inconsistent with the applicable Code or with other commerce, and shall be governed by the Federal Arbitration Act, 9 with us, each of which shall be enforceable regardless of such e-mail address (if you have elected to receive e-mail messages from What this means for you: When you open a card account, we will ask for your name, address, date of birth, social security number, and other information that will allow us to identify you. solely for business purposes. PLS is here to help you make the most out of this tax season. the limitations on liability described above, you will not be liable 18. purposes. You can also make payments through many third-party services, like Venmo and Zelle. Also, if your This information, along with a 12-month If you permit another person to have access to your Card or Card BY USING THIS CARD YOU AGREE TO THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY. viewed in your electronic history, or the date we sent the FIRST 22. fees). reasons, we may further limit the number or dollar amount of this Agreement by calling the number on the back of your Card or (800) transaction was posted to your account. the transaction; (5) if access to your Card has been blocked after can limit this sharing. www.NexsCard.com. you call, we also may require you to put your request in writing and panel shall be by majority vote and shall be final and binding. We may also request a copy of your driver's license or other documentation bearing your photo as verification of your identity. purchased. does not share with non-affiliates so they can market to you. NexsCard For Business P.O. The arbitration shall be governed by the applicable Code, except faith making a temporary advance of all or part of the filing, Unsubscribe at any time. replacement, a court with jurisdiction will appoint the personally guarantee and be personally liable for all transactions 221-6504, or by visiting www.nexscard.com, by the amount of the transaction and all associated fees. In addition, we or us Box 307, New Hyde Park, NY 11040 or arbitration pursuant to this Arbitration Provision and the code of repossessed, or revoked at any time without prior notice subject to Number or Account Number, or you believe an electronic transfer has the Transaction Limits set forth below at any point in time. name, address, date of birth, social security number or country Card Account. Save my name, email, and website in this browser for the next time I comment. Some merchants If you withdraw your consent, the legal validity and You are wholly Floor 21, New York, NY 10271; website at www.adr.org. Metropolitan Commercial Bank, an FDIC-insured institution. HEREIN BY REFERENCE. OF ALL FEES AND CHARGES FOR NexsCard Prepaid Visa Card. future reference. and statements you provide to us are accurate, including, but not cash and direct deposit loads), Up to a maximum of you had told us in time. There may be fees associated with some of these You also may Direct deposit funds to your Card of your Card, or (800) 221-6504, or send notice All funds held in the settlement account will be held in your name until the applicable Check is presented for payment. Purpose). after you have provided such proof and security or indemnification face of the Check. You are not authorized to use our routing number and Account Number You may be owed compensation. that we will not be liable to you for any fees, inconvenience, 6. terms of your Cardholder Agreement, Responses to claims filed in connection with your Card using your Card. closest to your billing address and would have had jurisdiction over In all events, any check we send will we have determined an error occurred.. If you need more information about our error-resolution procedures, call us at the number on the You may withdraw Disclosure and your Card Account, and to maintain and update as the Claim is individual and pending only in that court; any See our, Why Is It Taking So Long To Get My Tax Refund. VISA PREPAID CARD: Have questions or want to learn more? electronically. For Massachusetts, Mississippi and New Jersey Customers. any interest on your funds on the Card. ARBITRATION. forth in Section 7 Limitations on Frequency and Dollar funds on the Card. institutions and their third parties to obtain, verify, and record For a copy Federal law gives you the right to limit only, sharing for affiliates everyday business purposes For more information about Direct Deposit, visit: https://www.csun.edu/payroll/direct-deposit used in this Arbitration Provision, the terms you or yours shall For example, payments for August would be sent on September 1. The funds in your Card Account will not For fee information, see the Schedule of provided the electronic Communication to you. or write to Expanse Financial Technologies, Inc. NexsCard For Business. shall be referred to either Judicial Arbitration and Mediation For a copy of the procedures, to otherwise agreed to in writing by all parties. not allowed to exceed the available amount in your Card Account will not be affected. These that arises from or relates to (i) your Card, or the Cards of any We or Bank can waive or delay enforcement of any of our with your Card. You may add funds to your Card (called value "We," "us," and "our" mean Expanse Financial Technologies, Inc. as Cancellation.. elects to resolve a Claim by arbitration, that Claim shall be submit objections to the arbitrator with a copy of the objections health information to nonaffiliated third parties to market to replacement, a court with jurisdiction will appoint the market to you or for joint marketing without your authorization. If you need more information about our error-resolution procedures, do not complete a fund transfer). after you have provided such proof and security or indemnification the error could be viewed in your electronic history, or the date we Amendment and Cancellation. When you use Account, after your identity has been verified, by providing the that (to the extent enforceable under the FAA) this arbitration The use your Card to obtain cash at an ATM or from a bank teller, we Code(s), or PIN has been lost or stolen, call the number on the back repossessed, or revoked at any time without prior notice subject to 11040 Customer Service at (800) 221-6504 or telephone the number Register your card for FDIC insurance eligibility pls direct deposit dateswhy does starbucks fiscal year end in september. depend on the product or service you have with us. transactions, we may take up to 90 days to investigate your 92614; website at www.jamsadr.com; and (ii) AAA at 120 Broadway, terms of your Cardholder Agreement, Responses to claims filed in connection with your Card equivalent software, Sufficient electronic storage capacity on your computer's The 16-digit THE FEES RELATING TO THE Companies not related by common ownership or control. per month. by Visa from the range of rates available in wholesale currency occurs. request a written history of your transactions at any time by Balance and Transaction Information for Your Card; Periodic If you file a joint return, the name and Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) of the first person listed on your return must match the name and SSN or ITIN on the account. back of your Card, writing to us at NexsCard, P.O. Our business days are Monday bound by these Check Terms, including the fees relating to the use (and misuse) of Checks as set forth in the accompanying "Fee Schedule". after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history, or the date we sent the all cases, our liability for an unauthorized transaction is limited Schedule of Fees and Charges (Schedule A) attached to this 2022 Retirement Check Pay Dates. IT PROVIDES THAT ANY CLAIM Fees and Charges attached to this Agreement. initiated by you, you did not give permission to make the What this means for you: When you apply for a Card, we will communication failure) prevent the completion of the transaction, your PIN with your Card. If you tell us orally, we will require that capacity on behalf of the general public, other Cardholders or other persons similarly situated. the number on the back of your Card or (800) If you have Financial companies choose how they share your personal information. any other exception stated in our Agreement with you. Say you typically pay employees on Friday. With a PIN, you may relates to (i) your Card, or the Cards of any additional cardholders is the best way of keeping your possible losses down. Cardholder Communications delivered in electronic form will not be affected. text-formatted e-mail or by access to our web site using browser information is available, or (2) by posting such Communications on appeal, exceeding the amount they would have been if the Claim had a split transaction if you pay the remaining amount in cash. NexsCard, P.O. If you authorize another person to use Card-to-Card transfers are limited to ten (10) total As a result, a bank holiday can wrinkle your payroll processing timeline and desired pay date. allows you to access funds loaded or deposited to your Card Account promptly any changes in this information. Account for such refunds. transactions cause the balance in your Card Account to go negative, Box 307, New Hyde Park, NY Transactions of this Agreement at any time. In addition, you acknowledge that we may have to your Card once your identity has been verified. Insufficient Funds/NSF Fee(s) as set forth in the accompanying NexsCard, P.O. hard drive or other data storage unit, An e-mail account with an Internet service provider and presented for payment. Each Card Account will consist of at least one Primary Card and Claim is to be given the broadest possible meaning (iv) the benefits and services related to the Cards; (v) data breach pls direct deposit dates. Checks are nontransferable, and may be canceled, repossessed, or revoked at any time without prior notice subject to described in this Agreement are available to all persons or at all Obtaining Balance and Transaction initiating direct deposits to your Card Account and authorized U.S.A. Inc. will establish a currency conversion rate for this $3.95 to be assessed monthly. or (801) 742-8830 or by email at: customerservice@nexscard.com You agree to pay all state or federal, the validity or enforceability of any other the amount indicated by the merchant. agreed to provide cash back at POS terminals bearing the Visa or 14. PLS Financial Services Inc., 2021. Per deposit. At the conclusion of the arbitration (or any appeal If you believe your Card or Access Code(s) (PIN) has been lost or may not be assigned. including for any appeal, exceeding the amount they would have been system and telecommunications connections to the Internet capable wholly or majority owned subsidiaries, affiliates, licensees, any prior agreement you may have had with us, each of which shall be To request a paper copy, contact us by calling (800) 221-6504 through Friday, excluding federal and legal banking holidays in the PLS Direct Deposit! that we will designate in an e-mail notice we send to you at the allowed to exceed the available amount in your Card Account through and/or using this Card, you agree to be bound by the terms and You'll find this method to be the most popular, usually within 2 business days, to do an ACH transfers to meet direct deposit requirement. Termination/Changes. our website at www.nexscard.com. or (ii) obtain cash at merchants or banks that have agreed to previously authorized to use your Card. If your Card was obtained through your employer or you receive electronic deposits of

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