You may use your Card to make purchases at any merchant that accepts Visa debit cards, subject to your available Card Account balance and the other terms and conditions of this Agreement and the Majority Terms of Service. The maximum balance allowed on your Card is $10,000. An ideal card for easy and efficient business purchases. You may simply lock the card for the specific vendor and not have any additional recurring spend blocked. Virtual Cards Best Practices - Ramp 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 . If you use your Card number without presenting your Card (such as for an online transaction), the legal effect will be the same as if you used the Card itself in-store. Yes, you can add your own logo or create a custom credit card with the background image of your choice. Buy Now, Pay Later. Target Market Determinations for the products are available. About Your Card and this Cardholder Agreement. FCC Planning ToolThe Federal Communications Commission offers acybersecurity planning toolto help you build a strategy based on your unique business needs. 27. IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. The maximum amount that can be spent using your Card is: Cash Access. 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. Customer Service Number: 1 (855)-553 3388. EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE CARD OR RELATING TO OR ARISING OUT OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Its true that theres no foolproof method that you can use to protect your business, but educating your employees about security threats and best practices for online behavior and privacy can greatly reduce the possibility of a BEC scam. Perfect for startups launching a card program. We may disclose information to third parties about you, your Card, or the transactions you make: Where it is necessary or helpful for completing transactions; In order to verify the existence and condition of your Card for a third party, such as a merchant; In order to comply with government agency, court order, or other legal or administrative reporting requirements; If you consent by giving us your written permission; To our employees, auditors, affiliates, service providers, or attorneys as needed; In order to prevent, investigate or report possible illegal activity; In order to issue authorizations for transactions on the Card; Otherwise as necessary to fulfill our obligation under this Agreement; Please see our Privacy Policy, available at https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf for further details. Any funds withdrawn from an ATM or POS device are subject to the following transaction limits (in addition to any other restrictions or limitations set out in this Agreement). Limitation of Liability and Indemnification. You agree that we will not be responsible for temporary interruptions in service due to maintenance, App or Website changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts. You can either do the assessment yourself, orrequest a facilitated assessmentby DHS cybersecurity professionals. 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. How to Check Your Debit Card Balance to See How Much Is Left Find the best card for your small business. WE RESERVE THE RIGHT TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER SUBJECT TO INDEMNIFICATION BY YOU, IN WHICH EVENT YOU WILL COOPERATE IN ASSERTING ANY AVAILABLE DEFENSES. If you use your Card after such notice or modification is provided, you are agreeing to the change. 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. Yet many businesses cant afford professional IT solutions, have limited time to devote to cybersecurity, or they dont know where to begin. 7. Be sure to use different passwords for your different accounts. Our commercial card is compatible with most Expense Management System providers in the market place where we are able to send enhanced data (dependent on travel management company enablement). For further information please go to Expense . Here are a few things we've learned. We will not charge you any fees for the initial issuance or use of the Card. We reserve the right, at any time in our sole discretion without providing notice to you, to change, delete or add to this Agreement and to apply any such modification to a Card, to any available balance on the Card Account or otherwise to the legal relationship between you and us. Upon notification to us that your Card may have been lost or stolen or there may be unauthorized transactions from you Card Account we will cancel you Card (both your Virtual and Plastic Card) and close your Card Account. Security: If the vendor's website security is compromised, your card information with other vendors stays safe. Malware (malicious software) is an umbrella term that refers to software intentionally designed to cause damage to a computer, server, client, or computer network. 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. 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. 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. This Agreement sets forth the entire understanding and agreement between you and us, whether written or oral, with respect to its subject matter and supersedes any prior or contemporaneous understandings or agreements with respect to their subject matter. The attacker then gives the victim instructions to either make a money transfer or send sensitive data. Sutton Bank is not making the credit decision. The conversion rate may be different from the rate in effect on the date of your transaction and date it is posted to your account. Those types of cards are issued by two parties: a bank and a non-financial entity ( for example a retail merchant). Macao . All Cards are issued by Sutton Bank and distributed and serviced by Telos Gifting, LLC, which may be contacted by phone at 866-353-4237 or by mail at 495 Mansfield Avenue, Pittsburgh, PA 15205. The Card will remain the property of the Issuer and must be surrendered upon demand. Sutton Bank - MAJORITY Any transaction that could create a negative balance for your Card Account is not permitted. If your Card is declined at a pay at the pump gas station even though you have sufficient funds available, you should pay for your purchase inside with the cashier. Upgrade Visa Card with Cash Rewards. Card Account Balance/Transaction History/Cardholder Agreement. You are responsible for all authorized transactions initiated and fees incurred by the use of your Card. Cash App Money Transfer: What It Is, How to Use It - NerdWallet All rights reserved. Personal Credit Cards | Sutton Bank Check with your vendors that handle sensitive data, especially financial institutions, to see if they offer multifactor authentication for your account. In that event, we may try to contact you at the address shown in our records. Cyber Resilience ReviewThe Department of Homeland Securitys (DHS)Cyber Resilience Review (CRR)is a non-technical assessment to evaluate operational resilience and cybersecurity practices. No Warranty Regarding Goods or Services as Applicable. Visa and Mastercard Gift Card Balance Check | GiftCardGranny Sutton Bank review: Vanilla visa debit card. Organizations should start mapping the existing workflow used for wire transfers and analyze in-depth their processes in order to identify potential weaknesses and enhancement opportunities, for example limiting the amount of money each executive can approve, or using authorization for wire transfers, that also includes a protocol for approvals in the specific cases where senior executives are the initiators of these transactions. 20192023 MAJORITY USA, LLC. The PIN must be used on all automated teller machine (ATM) transactions and PIN transactions. A Better Way to Bank. 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. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. For better lifestyles. Purchased at a Walgrens on 12/20/21 at 1:23 pm. If you have any objections, complaints or disputes which relates to your contractual relationship with a merchant from whom goods or services were purchased (by using the Card), you shall address and handle this directly with that particular merchant; more specifically, we are not responsible for the delivery, quality, safety, legality, or any other aspects of goods or services that you purchase with the Card. Raising employee awareness about scams and BEC fraud is always a good idea, but businesses shouldnt rely solely on this. In addition, we remind you that the Card and the related services descried herein are made available exclusively to the customers of Majority USA, LLC and that the services provided by that company are subject to the subscription fee as set out in the Majority Terms of Services. Visa Offers and Perks | Visa We may offer additional products, features and services to you in connection with your Card, such as SMS text message and e-mail alerts, mobile account services, bill payment services, a loyalty program, and other services. Any different agreement regarding arbitration must be agreed to in writing. 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). We advise the regular use of a reputable and readily available virus screening and prevention software. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card. Encourage employees to challenge suspicious requests. If you do provide access to your Card or Card number, you are liable for all transactions incurred with the Card or Card number. 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 we will have every remedy available in arbitration as you and we would have from a court and will be entitled to reasonable discovery. If you are entitled to a refund for any reason for goods or services obtained with your Card, the return and refund will be handled by the merchant. Employees and emails are a leading cause of data breaches for small businesses because they are a direct path into your systems. Annual Fee. The PIN you set will apply both in relation to your Virtual Card and your Plastic Card. Use at Millions of Locations Worldwide. For more information on how Visa collects and protects your personally identifying data, . Small Business Checking Accounts | Square Checking Program management. For better business. 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. Crypto cards. We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. According to theFBIs Internet Crime Report, the cost of cybercrimes reached $2.7 billion in 2020alone. 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. | The Revenued Business Card is a purchase of future receivables and not a loan. | The Revenued Business Card is a purchase of future receivables and not a loan. 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. SUTTON BANK PREPAID RULE SHORT FORM DISCLOSURE, Fees associated with your Majority Prepaid Visa Card, 2. Best Practices. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history. 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. 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. 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. 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. Score Some Rewards. Apple Pay participating banks and card issuers in Asia-Pacific The Card is not connected in any way to any other account. Use antivirus software and keep it updatedMake sure each of your businesss computers is equipped with antivirus software and antispyware and updated regularly. Leverage existing relationships with issuing banks, networks, and card fulfillment providers to go live in days not months. 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. The Revenued Business Card Visa Commercial Card is powered by Marqeta. 22. Visa Partner | Sutton Bank Making cyber security everyones responsibility is extremely important, therefore you should include management and IT in your education program, as well as have regular cyber security sessions, and of course create specific rules for email, internet browsing, social networks, and mobile devices. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. 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. We may transfer our rights under this Agreement. Friday, March 3, 2023. We may temporarily suspend freeze your Card and Card Account and try to contact you if we notice transactions that are unusual or appear suspicious. A dedicated specialist from Scotiabank is ready to assist - from consultation to implementation to help ensure your team takes full advantage of the program. Transactions in Foreign Currencies. It may take up to thirty (30) days to process a request for a replacement Card although we will endeavor to provide you with a replacement Card on as timely a basis as is reasonable under the circumstances. Sumissura . The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. You can also set up direct deposits to your account and get a debit card. Nilson Report - Sutton Bank Card Issuing Services Approximately when the error took place. We may temporarily suspend your Card in the event we detect unusual or suspicious activity. 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 The finally Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc. . Requests for address or name changes may be subject to additional verification requirements. Training employees on basic internet best practices can go a long way in preventing cyber-attacks. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. With purchasing convenience, cost savings, available credit, and detailed reporting, you'll have what you need to nurture your small business and help it thrive. Easy to Give, Easy to Use. An ideal card for easy and efficient business purchases. Tribal Credit | A Corporate Card Built For Growing Businesses 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. You will need to tell us: 2. If your Card Account is in good standing and you have available funds on the Card, we will issue you a new Card upon expiration. In addition to the above, for security purposes we reserve the right to, in our sole discretion, impose additional limit to your use of your Card at ATMs or POS devices. Scale Merchant Acceptance: Provide consumers with the ability to make a purchase using their BNPL provider at .