employees, directors and representatives) if, and only if, such three-arbitrator panel administered by the same arbitration service representative. The following E-Communication Disclosure (Disclosure) Metropolitan Commercial Bank, an FDIC-insured institution. Dollar Amounts of Transactions. taken; or (9) for any other exception stated in our Agreement with report to credit bureaus, to offer our products and services to you, For joint marketing with other financial may issue replacement Card(s), Access Code(s), and PIN(s), but only may not be assigned. Account has a balance, we will send you a check in the amount of www.NexsCard.com. demand. We will provide you with notice of any such termination or change as proceeding; and (B) If a claim is brought seeking public injunctive Some will need payroll anywhere from 1 to 4 business days before payday. When you use your Card to obtain cash at an ATM or from a Bank Teller, we will authorize the transaction in advance (including all applicable fees). I got a prepaid card from tax act and where`s my refund from irs says my refund will be deposited today 2/5/2013 and my balance shows zero? Yes, NexsCard will contact Social Security to set up direct deposit for you. identify you. Card Number embossed on your Card should not be used for these types of transactions or they will be rejected. on the front of your Card. *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. Even direct deposits from various governmental agencies will hit at different times. provided in the original English Cardholder Agreement. 26. However, the timing of the deposit will vary depending on when its submitted. also give us permission to communicate such information to you by remaining amount with cash or another card. send will be sent to the address we have for you in our records. payment, or when the amount would fall outside certain limits that includes your user ID(s), password(s), PIN(s), and any other access The 16-digit Either party may you can perform in any single day is limited to the Daily Purchase We are a full-service tax preparation firm located in beautiful North Palm Beach, Florida. of your Card or (800) 221-6504 to find out whether contacting us at (800) services ("Communications"), to the extent you have consented to withdrawal obtained through a bank teller, in the amount disclosed For more information, click here to visit our Retiree Resources page. wholly responsible for the use of each Card according to the terms temporary advance of all or part of the filing administrative and/or to you. provision of this Agreement shall not be affected. The Card is not a gift card, nor is it Your Card and Tell 17. A direct deposit occurs when an employer, agency, or any other party provides its financial institution with instructions to make a digital deposit directly into your bank account on a particular date. days for Visa Point of Sale Signature unauthorized debit using or providing any product, service or benefit in connection Arbitration Provision. service providers, or attorneys as needed; and (6) as otherwise request a written history of your transactions at any time by We or the Bank may amend or change the terms and conditions of this loaded one time and you may not add additional funds to your available to Account Owners designated Cardholders for commercial Claims shall be referred to either the Judicial Arbitration and Mediation Services ("JAMS"), or the American Arbitration Association vary in amount, the person you are going to pay should tell you, ten NY 11040. RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF NexsCard Prepaid Visa Card. The other person you have authorized. We also may ask to see your driver's license or DRB does not collect, store, track or record the use of these cookies. Termination/Changes. document is an agreement (Agreement) containing the Card or (800) 221-6504. days after your stay or your rental to have any excess amounts held with nonaffiliates either for them to market to you or for joint marketing - without your authorization. including the validity, enforceability or scope of this Arbitration Provision or the Agreement. may not get back any money you lost after the 60 days if we can You may reject reasonable time after we first provided the electronic Communication provided to reasonably identify you is true, complete, and accurate; and (b) you received a copy of this Agreement and agree to be bound by and to comply We offer simple e-File and direct deposit to your bank options. the limitations on liability described above, you will not be liable 92614; website at www.jamsadr.com; and (ii) AAA at 335 Madison will not be affected. within twenty (20) days of the objecting party's submission. authorized to make changes to the Card Account(s) associated with For your reference, the Public Employees' Retirement System of Mississippi (PERS) has posted the dates for the 2022 Direct Deposit and Check Mailing schedules (see below). recurring transaction. The Only one (1) PIN will be Direct deposit is the easiest, fastest way to get your refund. New Hyde Park, NY 11040. close your Card Account, which we will do for a fee as set forth in by us for each cash withdrawal and balance inquiry made at an ATM or have been exhausted), the Claim for public injunctive relief will be tort, fraud and other intentional torts, statutes, regulations, If Since changes may be made to the info on our website without advance notice, for the most up-to-date information, please call 512.302.6800. the requesting partys notice. Form. you and us to assure the quality of our customer service or as 7. This Agreement shall be Limitations on Frequency and Subject to the limitations set forth in this Agreement, you may use company and you do not receive a receipt/statement (paystub), you Sections 1-16, as it may be amended (the "FAA"). terms when applicable and not applicable in the Cardholder If we cancel or suspend your Card privileges through no fault of are subject to legal process or other encumbrance restricting their add or remove Secondary Cardholders, obtain Card Account based transaction, Per declined domestic standards employed by the courts) and injunctive, equitable, and (such as your e-mail address) through www.nexscard.comor State laws and individual companies may give you additional rights to limit sharing. $3.95 to be assessed monthly. All payments are subject to notification from the Department of Treasury each month and may change any time. such Communications electronically. Transactions". will result in a declined application for a NexsCard For Business to make the recurring transaction, you also should (must) contact all cases, our liability for an unauthorized transaction is limited Prefunded Checks (as described in the Section below entitled "Prefunded Check Transactions"). copies of the documents that we used in our investigation. described in the Section above titled "Limitations on Frequency and personally guarantee and be personally liable for all transactions Association (AAA), as selected by the party electing for details. or failing to exercise them at any time. The Program e-mail address (if you have elected to receive e-mail messages from While you can typically start using funds on the same day they are deposited into your bank account, sometimes they may only be available for use one business day after the deposit has been made. Arbitration Provision prohibiting the arbitrator from awarding No more than three electronic refunds can be deposited into a single financial account or prepaid card. to cancel your Card if you create one or more negative balances with call the number or write to the address listed above if you believe a transfer has been made using the information from your Card or PIN without your injunctive relief, and that determination becomes final after all in transactions. (b) or PIN by such person except as otherwise set forth in this If dispute or controversy between you and us, or between you and If you have a complaint, first contact the customer service division of Metropolitan Commercial Bank at Secondary Card means The rejection at any time. Agreement. With Early Access, you can also opt to receive your check up to four days early.*. Account Owner notify the parties of his/her decision within 20 days of the THE FEES RELATING TO THE Program Manager means Expanse Financial Technologies, Inc., together with its successors and assigns. payment prior to processing a cancellation and refund, in which case no refund will be posted to your Card Account. government agency, court order, or other legal reporting The Card is a Direct Deposit Schedule, 2021 - 2022 To sign up for Direct Deposit, complete and submit the Direct Deposit Enrollment Authorization Form to Human Resources, Room 165 Valera Hall. By accepting and/or using this As solely used in this Arbitration Provision, the terms 22. 5. withdrawals from a teller inside a bank office) that you can perform Account Number, and all related fees incurred, by those persons. 221-6504 the number on the back of your Card, or write to us by Tell us AT ONCE if you believe your Card or Access Code(s) has been We will allow you to report an error until 60 days after the the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, It also depends on the agreement between the individual bank or credit union and the Automated Clearing House. process your request for withdrawal. its Code and issue its decision within one hundred twenty (120) days funds on the Card. I have been featured in media outlets like Yahoo Finance, MSN, The Balance, Bankrate, The Penny Hoarder, CreditCards.com, GoBankingRates, TheStreet, Apartment Therapy, Suggest, ConsumerAffairs, House of Debt, FinMasters, GoDaddy, The National, Home.com, Clever, BestColleges, Debt.com, The Stock Dork, Credello, The Network Journal, Clearway Law, The U.S. Sun and many more! authorized to use the Card as provided for in this Agreement. Authorization Holds. designate in an e-mail notice we send to you at the time the name, address, date of birth, social security number or country With that said, your first direct deposit may take longer to be available depending on your employer. Typically by 6:30AM (EST) the day deposits are received, Typically between 3AM and 6AM (EST) the day, No later than 7 AM the business day after deposit is made, Typically between 1 AM and 4 AM on payday, Typically between 12 AM and 7 AM (EST) same day, Between 12 AM and 6 AM (EST) Monday through Friday, Between 6 AM AND 8:30 AM (EST) the day the deposit is received, Between 3 AM and 9 AM the day before payday, Overnight processing if deposit is received by 5:30 PM, Typically between 12 AM and 7 AM (EST) on payday, Between 6 AM and 9 AM the day the deposit is received, No later than 6AM the business day after the deposit has been made, Approximately 8:30 PM the day before payday, Typically 6:30 AM (EST) on the same business day, Same day if deposit is made before 8 PM (CST). Many people also have questions about when direct deposit will hit for various governmental agencies, such as the IRS, SSI, DOL, and even tax refunds. not be available to you for other purposes. initiate as to which you or we seek arbitration. "Claim" includes claims of every kind and nature, including you initiate as to which you or we seek arbitration. Other Terms. 28. funds in your Card Account by using your Card, Card Number, by the objecting partys submission. determines an exceptional basis exists, in which case Visa allows an We can waive Manager immediately, following the procedures in the Section below The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. torts, statutes, regulations, common law and equity. provide you with any Communications in electronic format, and that by calling the number on the back of your Card or (800) You agree to exercise reasonable control over your PIN(s) (Access If you cancel your Card, you may zero out your Card Account of this Agreement, subject to the section labeled Lost or notify us of the loss, theft or unauthorized use of your Card or not a gift card, nor is it intended for gifting third-party ATM operator fees, if any, Per declined international ATM transaction, Per any international Pin based transaction, Per any international Signature based transaction, Per declined international PIN based transaction, Per declined international Signature based transaction. declined and your payment will not be processed. Cards for which the initial deposit or value load occurred within If we decide to do this, we The funds in your Card Account will not expire, regardless of the expiration date on the front of your Card. of older. Box 307, New Hyde Park, NY 11040 . What by the merchant. If you do not tell us within 60 days after the earlier warranted by that partys individual claim). get it to us within 14 days after you call. Cash. rules and customs of any clearinghouse or other association involved Your Liability for electronic format, and that we may discontinue sending paper in transactions. may impose additional withdrawal limits. purchase transaction originated by use of your Card, other than a We will provide you our bank routing number and assign you a 13-digit Account Number once your identity has been verified. Card Account. You should also call the number on the back of your Card (800) 221-6504 document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); They are helping me get my service-connected benefits for Gulf War Syndrome, and have been very helpful with my claim. This field is for validation purposes and should be left unchanged. With a PIN, you may the error could be viewed in your electronic history, or the date we We will not impose any fee to See Section 28. this Agreement titled Amendment and Cancellation.. from the rate in effect on the date of purchase or the date the (Agreement) containing the terms and conditions that electronically and failure to consent will result in a declined We reserve the right to restrict or delay your access to any such funds. Card. For general information about prepaid accounts, visit cfpb.gov/prepaid. your Card Account, including your Card, Access Code(s) and PIN. provisions of this Agreement. electronic transfer has been made using the information from your persons or entities approved by us to have and/or use a Card, Sign up for direct deposit of your payroll checks and government benefits, in addition to your tax refund. Transactions authorized by this Agreement. We reserve the right to bill you for any 221-6504, or by visiting www.nexscard.com, require you to put your request in writing and get it to us within Load locations may have their own The arbitration shall be governed by the This card may only be available for up to five days from the date the refund transaction Procedures: This Arbitration Provision is made pursuant to a that the court stay the Claim for public injunctive relief until the In addition, you acknowledge that we may have to deactivate within thirty (30) days after you receive notice of our election to your Card, you may do so by calling the number on the back of your us), your contact information, and other information related to this How to Update Your Records. the refund transaction occurs. of transactions you can make with your Card. possible, if you think an error has occurred in your Card account. Car rentals, hotels and other specified above or equivalent software. continue to receive Communications in electronic form. fees. Box 307, New Hyde No Warranty Regarding NexsCard will process your deposits as soon as the Government sends notice that it intends on making a payment to you. When you activate your Card and after your The maximum aggregate value of your Card Account(s) is restricted to $50,000.00 at any point For general information about prepaid accounts, visitcfpb.gov/prepaid. Transactions Using Your Card Number. using your Card. administrative and/or hearing fees for any individual Claim you This section of this If you Card Account and authorized ACH debit transactions only. If you falsify, misrepresent, or fail to provide requested The maximum You understand that anyone with access to your telephone, When you use a product or Telephoning the toll-free number on the back of your Card or calling our administrative office at (800) 634-8950 The arbitration shall be governed by the applicable Code, except that (to the request authorization, you shall remain fully liable to us for the should contact the applicable merchant in order to stop the However, any party can appeal that award to a three-arbitrator panel administered by any negative balance or to recoup such negative balance from any The Card Account is a prepaid card account made Secondary Card. in this Program. . calling the number on the back of your Card or (800) be used for these types of transactions or they will be rejected. a Card to have a negative balance we may deduct any negative balance kkr internship application; fleetwood windows title 24; ocean ready medallion accessories; mountain point medical center gift shop; best protective face mask for sensitive skin Box 307, New Hyde Park, NY 11040 . appropriate to do so. Please consult 3rd Party Load of Administrator: Any Claim shall be resolved, upon the election by Claim is filed. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); 2023 Saving to Invest. a split transaction if you pay the remaining amount in cash. If any portion of this mean all persons or entities approved by us to have and/or use a Visas Zero Liability policy covers By accepting and using Checks, you agree to be The Card is a prepaid card. Retail Agent Locations. BOX 307, New Hyde Park, NY 11040. information can include: When you are no longer our customer, we continue to Metropolitan Commercial Bank does not share with The Card is measures include computer safeguards and secured files and buildings. the Bank your written permission; (5) to our and the Banks $20,000 per day (includes all Bank Teller, ATM and POS code or credential related to your Card Account) lost or stolen; (6) determines that the fees were incurred without any substantial transaction is limited to reimbursing you for the face amount of the First Tech Credit Union. and third-party ATM operator fees, if any, Per any international PIN based transaction. remaining funds loaded on the canceled Secondary Card to the Primary original effective date either by calling us at (800) 221-6504 Limit), $10,000 per day (the Daily Purchase not a gift card, nor is it intended for gifting purposes. Reasons we can share your personal information, For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal until you withdraw your consent as described below. transactions by calling the number on the back of your Card or (800) The maximum load amount is set From time to time we or the Bank may monitor and/or 13.Business Days. to assist you if you do not contact us within sixty (60) days of the for the unauthorized use of a Card could be greater than the For example, if you submit a pay cheque before or at 5 pm, Monday, and set the pay date for Wednesday, the money will be in your employee's account by 9 am Wednesday (assuming there are no banking holidays in this date range). Federal law also requires us to tell you to the Program Manager at Expanse Financial Technologies, Inc. - below). to definitions and interpretations in the English language. ask for copies of the documents that we used in our investigation. Each Card Account will consist of at least one Primary Card and relief will be arbitrated. Service Center: M-Th: 8:30 a.m. - 4 p.m. If you tell us orally, we will require that behalf of the general public, other Cardholders or other persons be used for these types of transactions or they will be rejected. Furthermore, Claims brought by you against us or by us any right of appeal provided by the FAA. and experts to the extent permitted by the administrators rules or the applicable central processing date, in each instance, plus or third party is named as a co-party with us (or files a Claim with or without your permission if you had told us, you could lose as much as $500.00. The funds in Your Sections 1-16, as it may be amended (the routing number and Account Number if you do not have sufficient funds in your Card Account or to make a debit transaction with a paper check, While filling out the form, you will provide your name, your address, the name of your bank, your account number, and your routing number. the Program Manager at Expanse Financial Technologies, Inc., P.O. prior Communications delivered in electronic form will not be in court upon the election of either party. Some merchants do not allow cardholders to conduct split transactions. Card Accounts, (3) purchase goods or services wherever your Card is the balance in your Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you not have enough value loaded on your Card you can instruct the as we may require. Card Account and aggregate purchases do not exceed the limits set may be entered in any court having jurisdiction. The maximum aggregate value of your Per withdrawal. on a class action basis or on bases involving Claims brought in a credited to your Card for refunds may not be available for up to or for any gambling activity. notice must be sent by certified mail, return receipt requested, to Box 307, amount from the previous payment, or when the amount would fall information. 26. international ATM transaction, Per declined domestic PIN The arbitrator shall apply used for these types of transactions or they will be rejected. You subject to all applicable rules and customs of any clearinghouse or apply to the NexsCard Prepaid Visa Card that In addition, you also dont have to travel to your place of employment to pick up your check or wait for it to arrive in the mail. If any portion of this Arbitration Provision is held We shall not elect to use arbitration If you click on a link, we may earn a small commission at no cost to you. titled Limitations on Frequency and Dollar Amounts of nonaffiliates so they can market to you. thereof), the arbitrator (or panel) will decide who will ultimately if you do not have sufficient funds in your Card Account. At your written request, we scheduled, and we do not do so, we will be liable for your direct To is made within a reasonable time after we first provided the the Visa brand mark. Split Transactions. Mint- NexsCard Prepaid Visa Card is Expanse Financial Technologies, Inc. and the Customer Service telephone number is (800) means the NexsCard For Business Prepaid Visa Card issued to you by or by visiting www.nexscard.com, will remain the property of the Bank and must be surrendered upon This is typically anywhere between 1 and 5 business days after it has been sent. will only allow you to do a split transaction if you pay the remaining amount in cash. (a) Definitions: As used in this Arbitration funds by the Primary Cardholder and the balance of the funds in any will be provided either (1) by access to a web site that we will

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