20192023 MAJORITY USA, LLC. Start by learning about common cyber threats, understanding where your business is vulnerable, and taking steps to improve your cybersecurity. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. An ideal card for easy and efficient business purchases. ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. 12. You always find the most recent version of this Agreement in the Majority Mobile Application (App) and on https://www.majority.com (Website). The Card is not a gift card. Alexandra Barring, Banking Moderator . Limitation of Liability and Indemnification. BEC attacks have a high success rate not because they are so technologically sophisticated, but because they are exploiting human vulnerabilities, like a response to authority, schedule, or even tiredness. They often target small-to-medium-sized businesses because these businesses often do not use dual controls on their accounts nor have they adopted a strong information security posture. Additional terms and conditions may apply. 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. You hereby agree to our collection, use and sharing of information about you and the Card as provided in our Privacy Policy, which is made a part of this Agreement. Transactions made outside of the 50 United States, the District of Columbia, Puerto Rico, and other U.S. territories are also subject to this conversion fee even if they are completed in U.S. currency. You agree to retain, verify, and reconcile your transactions and receipts. Accounts are FDIC-insured up to $250,000. . After diligently researching his targets for some time, the attacker will develop a few scam scenarios that might work. The card is designed for people with fair, good, and excellent credit. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation. You should not write or keep your PIN with your Card. Any organization requires effective communication. Score Some Rewards. Perfect for All Occasions. . You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or have been loaded into the Card Account on your behalf. Please read this Agreement carefully and retain it for future reference. Add some flexibility to your budget with a card thats accepted everywhere. Similar to logging in online, the app will usually provide you with a home screen once you . We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. 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. You will not be charged a fee for this information unless you request it more than once per month. Our Liability for Failure to Complete Transactions. Malware (malicious software) is an umbrella term that refers to software intentionally designed to cause damage to a computer, server, client, or computer network. 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. Attackers achieve this by using different manipulating techniques in order to trick users into providing money or data. All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made finally and exclusively by the arbitrator. Encourage employees to challenge suspicious requests. . To hide your Wi-Fi network, set up your wireless access point or router so it does not broadcast the network name, known as the Service Set Identifier (SSID). Skip to main content . These are called split transactions. Some merchants do not allow cardholders to conduct split transactions. You will not be able to use your Card after the valid through date; however, you may request a replacement Card by following the procedures in the paragraph labeled Card Replacement. The new Card will have a value equal to the remaining balance of the expired Card. This service can help secure your internet-facing systems from weak configuration and known vulnerabilities. According to a recent SBA survey, 88% of small business owners felt their business was vulnerable to a cyber-attack. 2023 Sutton Bank Portions Copyright Kasasa, Ltd. All rights reserved. From time to time the Card services may be inoperative, and when this happens, you may be unable to use your Card or obtain information from your Card or Card Account, including the available balance of funds associated with your Card. If you are still experiencing issues, please call 833 . Through the Cash App Taxes feature, you can file your taxes for free and through Cash App Investing, you can make investments and buy Bitcoin for as little as $1. 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. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. . No one else may sign the rejection notice. However, the criteria to qualify for this program can be flexible, based on your companys size and business needs. Organizations must have complete policies and methods for communicating with their constituents, workers, and stakeholders, as well as the general public, in order to be successful. Sutton Bank does not provide customer service for the Georgia Cash Assistance Program. 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. Cyber-attacks are a growing threat for small businesses and the U.S. economy. 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. We may also ask to see a copy of your drivers license or other identifying documents. Critical data includes word processing documents, electronic spreadsheets, databases, financial files, human resources files, and accounts receivable/payable files. Transactions in Foreign Currencies. Perfect for startups launching a card program. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized transactions using your Card Account that take place on the Visa system without a PIN is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. BY ACTIVATING YOUR CARD OR PARTICIPATING IN THE PROGRAM IN ANY WAY, YOU REPRESENT THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT AND OUR PRIVACY POLICY. As a result, every job in the organization is responsible for cybersecurity knowledge and abilities. You agree to pay us promptly for the negative balance. If you do not promptly add sufficient funds to your Card Account to cover the negative balance, in addition to any other remedies or actions, we may cancel your Card and Card Account and pursue collection. Over the last seven years, Sutton has focused on providing corporate banking services to fintech. The PIN must be used on all automated teller machine (ATM) transactions and PIN transactions. 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. . This information does not take your personal objectives, circumstances or needs into account. Security: If the vendor's website security is compromised, your card information with other vendors stays safe. Copies of the documents used in the investigation may be obtained by contacting Customer Service. Helping your business make the most of the Scotiabank Visa* Commercial Card. WE WILL NOT BE LIABLE TO YOU FOR: DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; THE FAILURE OF MERCHANTS TO HONOR THE CARD; THE FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES; COMMUNICATION SYSTEM FAILURES; OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, OR ANY PAYMENT SYSTEM. Yet many businesses cant afford professional IT solutions, have limited time to devote to cybersecurity, or they dont know where to begin. These emails often entice users to click on a link or open an attachment containing malicious code. Our open API platform allows businesses to instantly issue cards and process payments. You must contact us at once if you believe your Card or PIN has been lost or stolen, or that someone has transferred or may transfer money from your Card Account (for example by using your Card) without your permission. Card Protection. Any such fee will be deducted from the balance of the Card, along with the amount of the withdrawal performed at the ATM. Any claim, dispute, or controversy (Claim) between you and us arising out of or relating in any way to this Agreement, your Card, your acquisition of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding confidential individual arbitration conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. Any funds remaining on the Card after cancellation will be sent to you upon request via a refund check to the mailing address we have in our records. FEATURES INCLUDE: Visa Gift Card from $20-$500 denominations. Please notify us at Customer Service if you have any problems using your Card. | The Revenued Business Card is a purchase of future receivables and not a loan. Laptops can be particularly easy targets for theft or can be lost, so lock them up when unattended. (419) 426-0421. *When consolidating purchase volume processed through Marqetas platform in 2019. arrow_forward. Expense management. Password-protect access to the router. Secure payment processingWork with your banks or card processors to ensure the most trusted and validated tools and anti-fraud services are being used. Any funds withdrawn from a POS device or through a participating bank will be subject to the maximum amount that can be spent on your Card per day. - Transfer Funds. It isn't connected to a personal bank account or another debit card. This card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. Approximately when the error took place. We advise the regular use of a reputable and readily available virus screening and prevention software. Our 5-star customer service team is here to answer any questions you may have. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. 32. Mega International Commercial Bank ( Visa credit and debit cards, JCB and MasterCard credit cards) Shin Kong Bank (Mastercard and Visa . Access the toolkit here. We may refuse to process any transaction that we believe may violate the terms and conditions of this Agreement. Tell me more. Upon aforesaid cancellation, we will continue to honor transactions you have made up until your the cancellation is processed in accordance with this Agreement, which may take up to forty-five (45) days following your cancellation, during which regular fees will apply (if any). 14.99% - 29.99%. Use the Supply Chain Risk Management Toolkit to help shield your business information and communications technology from sophisticated supply chain attacks. 10+ years of modern card issuing experience, Top 25 largest U.S. debit card purchase volume*, Affirms mission is to build innovative products that people love, and Marqetas unique technology provides us the platform and services to help make that possible., Marqeta is vested in our success and that is what makes us want to collaborate even further. 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. The Troubleshooters have received reports from other consumers in the Delaware Valley about Cash App cards issued by Sutton Bank. Small business lending. We cannot accept responsibility for any email messages not received by you or for any delay in the receipt or delivery of any email notification. The maximum amount that can be withdrawn is: per transaction: from ATM $510/International ATM $510, per day: from ATM $510/International ATM $510, per month: from ATM $2,500/International ATM $2,500. Merchant Holds on Available Funds. Phone Numbers. Reap the benefits of your hard work, with our Platinum Credit Card. Malware can include viruses and ransomware. Visit the one-stop shop for learning about doing business in Ohio. Marqeta is the world's first modern card issuing platform. https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf. There is no fee for this service. A card that can help drive process efficiencies and improve control over procurement spend. Primary Fax. or Sutton Bank, Members FDIC. The Cancellation will not affect any of our rights or your obligations arising under this Agreement before the Card was cancelled. In connection to these actions, we may need certain information from you, such as your full name, Card number and transaction history details. Best Practices. You agree that any notice or communication sent to you at an address noted in our records shall be effective unless we have received an address change notice from you. Full details are available on request. Be sure to use different passwords for your different accounts. You are responsible for all authorized transactions initiated and fees incurred by the use of your Card. FOR QUESTIONS OR ASSISTANCE, PLEASE CONTACT CUSTOMER SERVICE AT 1 (855) 553-3388. For better business. After your Card Account is opened, we may ask again to see a copy of your drivers license or other identifying documents at any time if we deem is necessary to verify your identity, address, or transactions on your Card Account. 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. *The MAJORITY app facilitates banking services through Axiom Bank, N.A. $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions **. PLEASE VISIT https://www.majority.com (THE WEBSITE) TO VIEW, PRINT, AND SAVE THIS AGREEMENT AND https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf TO VIEW, PRINT, AND SAVE OUR PRIVACY POLICY. Click on this link to access the MoneyIQ for Business Financial Literacy and Education Center. The PIN you set will apply both in relation to your Virtual Card and your Plastic Card. 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 maximum balance allowed on your Card is $10,000. 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. Total credit lines from $500 to $25,000. Read More Business Details. This free app provides you with quick access to the online banking tools you need, so you can manage your finances on the go. Any references to days found in this Agreement are calendar days unless indicated otherwise. PIN and Non-PIN Transactions: Merchants may limit the available options for the type of transaction you wish to conduct or may let you choose between a PIN (Debit) transaction or a signature (Credit) transaction at the point of sale. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Additional Contact Information. Ideal card for employees on the move to pay for travel and entertainment expenses with ease. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. **This card is issued by Axiom Bank, N.A. The applicable exchange rate will be selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate. 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. The Card is not a credit card and will not enhance your credit rating. The Gift Card Granny Visa or Mastercard is a prepaid Card issued by Sutton Bank. Balance Transfer Fee. 1. Every prepaid Visa Gift Card design can be sent as an eGift Card by email or a plastic Gift Card by mail. Reimbursements will show in your bank statement using the following template: first, "RAMP REIMBURSE", followed by the first initial and last name of the employee being reimbursed. Simplify business expenses with this comprehensive solution, Pay for all your business expenses with a single program thats simple to use, Maximize your cash flow with flexible payment terms, Integrate with most technology platforms and accounting systems, A dedicated specialist from Scotiabank is ready to assist - from consultation to implementation to help ensure your team takes full advantage of the program, Access spending data through convenient web access for exceptional program reporting, Reduce purchasing administrative costs and improve operational efficiencies. Raising employee awareness about scams and BEC fraud is always a good idea, but businesses shouldnt rely solely on this. The Card is not a credit card. Any request for a return of funds shall be processed within a reasonable period of time after your request. The Card cannot be redeemed for cash. Rellevate handles all customer service for the program. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. The Gift Card Granny Visa Gift Card and the Virtual Visa Gift Card are issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. You may simply lock the card for the specific vendor and not have any additional recurring spend blocked. We reserve the right to block, suspend, or cancel your Card if, as a result of our policies and processes, we detect what we reasonably believe to be fraudulent, suspicious, or criminal activity or any activity inconsistent with this Agreement. You may not permit another person to have access to your Card or Card number. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. Card Account Balance/Transaction History/Cardholder Agreement. - Pay Bills. Easy to Give, Easy to Use. Cyber Hygiene Vulnerability ScanningDHS also offers freecyber hygiene vulnerability scanningfor small businesses. 16. Yes, you can choose Canadian or US currency cards for your Canadian employees. You hereby agree to accept all legally required notices by electronic means including publications made within the App or on the Website. Use open APIs to create new payment products or streamline supplier and workforce payments. ZA Bank (Visa Debit card) *Bank-issued American Express cards aren't supported. Tried to use at Ann Taylor in Potomac Mills Mall, Woodbridge at 11:14am and told balance was only 1.44. 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. Upgrade Visa Card with Cash Rewards. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately, following the procedures in the section labeled Lost or stolen cards/unauthorized transfers below. More than 80% of those accounts are prepaid. Sutton Bank offers a range of solutions to support BNPL capabilities for its clients to support growing demand for BNPL products: Streamlined Merchant Settlement: Use existing Visa rails to settle purchases made on a BNPL provider, leveraging transactions on one-time use virtual cards. You must surrender a revoked Card and you may not use an expired or revoked Card. The Card is a prepaid card. The fastest and easiest way to minimize your possible losses is to report this/deactivate your Card by using the App, otherwise you may always contact us via our Customer Service by phone 1 (855) 553-3388. Yes, you can add your own logo or create a custom credit card with the background image of your choice. You can unsubscribe at any time. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. You may reject this Arbitration provision by sending a written rejection notice to us at: support@majority.com. Earn cashback rewards on eligible purchases with no cap. Once we receive the final transaction amount, it may take up to seven (7) days for the hold to be removed. 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. 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. For better lifestyles. Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases. The card was sealed in original packaging until approximately 8:45am on 09/30/2022. Leverage existing relationships with issuing banks, networks, and card fulfillment providers to go live in days not months. Our team of experts provide guidance from setup to launch & scale. $0. To find out if the Commercial Card program is right for your business, or to explore our other payment solutions, please speak with a Payment, Cash Management & Deposits Specialist today. The Card is a prepaid card useable wherever prepaid debit cards bearing the applicable payment network brands on your Card are accepted worldwide. 26. Requests for address or name changes may be subject to additional verification requirements. Reporting (and deactivating) a lost or stolen Card can also be made via the App. Online marketplaces. 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 . Co-Branded Credit cards allow large businesses such as retail chains, hotels or airlines to offer special discounts, cashbacks . About Your Card and this Cardholder Agreement. 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. You may not use your Card for any online gambling, escort services or any illegal transaction. You will receive a weekly report for your action. The attacker then gives the victim instructions to either make a money transfer or send sensitive data. Complimentary insurances. 1-16. To activate your Card, follow the steps and instructions for activation in the App. 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. Back up your dataRegularly back up the data on all computers. Combine the flexibility of a credit card with the predictability of a personal loan. 10. The Card may only be used for personal, family or household purposes, and we may cancel your Card if we determine that it is being used for commercial purposes. LendingClub, First Century Bank, Green Dot and Metropolitan Commercial Bank didn't respond to Forbes' requests for comment.A Sutton Bank spokesperson says, "the fraud rates we experience . All credit decisions are made by Backoffice.co, Inc DBA finally. The money exchange booth at LAX was $1.18 and Travelex at SYD was $1.14 + 3%. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard. If you need to replace your Card for any reason we recommend that you make your request for a replacement Card within the App. Any different agreement regarding arbitration must be agreed to in writing. Benefits may vary by card issuer, so check with your card issuer to learn more about your specific Visa Infinite/Signature credit card benefits and features. Bank of America normally charges a $5 ATM fee. A Better Way to Bank. This means that the innate human tendency to be a social creature is what will be exploited here. The Card is nontransferable, is not for resale, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Phishing emails appear as though theyve been sent from a legitimate organization or known individual. Back up data automatically if possible, or at least weekly, and store the copies either offsite or on the cloud. 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. Judgment on the arbitration award may be entered in any court having jurisdiction. We will reject any loads that exceed the maximum balance allowed on your Card. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info. Please contact our support team directly at[emailprotected], Sign up today to receive alerts when we launch new business finance content and solutions. Employees should be aware of the risks and implications that these attacks hold, as well as how to spot scams and properly respond to an incident of this sort. You are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein. There are a number of ways to get an Opal card, depending on the card you need. You and your mean the person who have received the Card and is authorized to use the Card as provided for in this Agreement. Hockerty . Although considerable effort is expended to make the App and Website and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free every minute of the day. The first step in improving your cybersecurity is understanding your risk of an attack, and where you can make the biggest improvements. 1. In-store: To use the virtual card in-store, shoppers need to add the card to their Apple or Google wallet, then pay using Apple or Google Pay at the payment terminal. Employees and emails are a leading cause of data breaches for small businesses because they are a direct path into your systems. These may change or we may introduce new ones in the future.

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