sutton bank visa commercial card

*When consolidating purchase volume processed through Marqetas platform in 2019. arrow_forward. 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. We use cookies & other technologies to analyze website traffic, personalize content & provide relevant advertising on other websites. The Cancellation will not affect any of our rights or your obligations arising under this Agreement before the Card was cancelled. IMPORTANT PLEASE READ CAREFULLY. Use the Supply Chain Risk Management Toolkit to help shield your business information and communications technology from sophisticated supply chain attacks. Well, like all social engineering attacks, BEC fraud relies on the human factor in order to be successful. Easy to Give, Easy to Use. You may simply lock the card for the specific vendor and not have any additional recurring spend blocked. Use antivirus software and keep it updatedMake sure each of your businesss computers is equipped with antivirus software and antispyware and updated regularly. For mail order, telephone, Internet or other card-not-present purchases, merchants may choose to route a transaction as a PIN transaction without asking you to enter your PIN. This information does not take your personal objectives, circumstances or needs into account. Banco Nacional Ultramarino, S.A. (Mastercard and UnionPay debit cards, Visa and UnionPay credit cards) . 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. If you arrange to have funds transferred directly to your Card Account from a third party through an ACH load, you must enroll with the third party by providing the bank routing number and direct deposit account number that we provide you. Complimentary insurances. These transaction limit amounts may be lower when your card is not present, such as an online transaction. Encourage employees to challenge suspicious requests. Lost or Stolen Cards/Unauthorized Transfers. We may also ask to see a copy of your drivers license or other identifying documents. 20192023 MAJORITY USA, LLC. . MoneyIQ Financial Literacy and Education Center, Protecting sensitive customer and vendor information. The Card is not a credit card and will not enhance your credit rating. This Agreement is effective April 01, 2021. 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. Rellevate handles all customer service for the program. You agree to retain, verify, and reconcile your transactions and receipts. We are not responsible for such fee. You will need to tell us: 2. The maximum amount that can be spent using your Card is: Cash Access. Viruses are harmful programs intended to spread from computer to computer (and other connected devices). To earn the victims trust, this communication frequently employs persuasion, urgency, and authority. If you make a purchase using your Card in a currency other than in U.S. dollars, the amount deducted from the available funds in the Card Account will be converted by Visa into U.S. dollars. Once they have them; they can use them to transfer money out of your bank account and into theirs. 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. Yes, you can choose Canadian or US currency cards for your Canadian employees. 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. To the extent permitted by applicable law, we may cancel or suspend your Card, your Card Account, or this Agreement immediately, for any reason, and without notice to you. However, there are some exceptions. The PIN you set will apply both in relation to your Virtual Card and your Plastic Card. In this specific scam companies working with foreign suppliers are often targeted. Skip to main content . If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. 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. Keep your money in your wallet. Secure your networksSafeguard your Internet connection by using a firewall and encrypting information. WHEREAS, Sutton Bank operates a prepaid card service and is an approved issuer of prepaid cards on the Discover, Mastercard, and Visa Networks; WHEREAS, Sutton Bank provides services set forth in Exhibit B (the "Sutton Bank Prepaid Card Services") and the other Program Documents in connection with Card Transactions processed on one or more . In that event, we may try to contact you at the address shown in our records. - Review Transaction History. Laptops can be particularly easy targets for theft or can be lost, so lock them up when unattended. 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. If any transactions cause the available balance in your Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees. You may obtain information about the current amount of money you have remaining in your Card Account by calling 1-855-553-3388. 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. Judgment on the arbitration award may be entered in any court having jurisdiction. To activate your Card, follow the steps and instructions for activation in the App. Please read this Agreement carefully and keep it for future reference. Total credit lines from $500 to $25,000. You may also have additional security obligations related to agreements with your bank or processor. However, certain third-party fees may apply as further described below. 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. You will be required to provide personal information which may include your Card number, full name, transaction history, copies of accepted identification and other information necessary to verify your identity. with your Visa Commercial card. This Agreement does not replace, but supplements the Majority Terms of Service (available in the App), however in case of any inconsistency between the Majority Terms of Service and this Agreement, this Agreement shall govern and control your use of the Card and Card Account and otherwise your relationship with Sutton Bank. These are called split transactions. Some merchants do not allow cardholders to conduct split transactions. 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. If you are still experiencing issues, please call 833 . Annual rate from 6.99 % p.a. The Card is our property and is nontransferable. You hereby agree to accept all legally required notices by electronic means including publications made within the App or on the Website. Lending criteria apply to approval of credit products. For reporting (and deactivating) a lost or stolen Card you can dial the Customer Service Number twenty-four (24) hours a day, seven (7) days a week. or Sutton Bank, Members FDIC. VISA with Rewards. 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. 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 Upgrade Visa Card with Cash Rewards comes with an annual fee of $0 and an 8.99%-29.99% regular APR. About Your Card and this Cardholder Agreement. Supply Chain Risk Management. SUTTON BANK PREPAID RULE LONG FORM DISCLOSURE. Sutton bank is the service provider for CA, so if you do an ACH transfer into your CA account, that is legit, go to the account info for your CA routing# / account# that is your "back end" Sutton account. Use theSupply Chain Risk Management Toolkitto help shield your business information and communications technology from sophisticated supply chain attacks. Media & ad agencies. 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. Phishing is a type of cyber-attack that uses email or a malicious website to infect your machine with malware or collect your sensitive information. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard. 27. Co-Branded Credit cards allow large businesses such as retail chains, hotels or airlines to offer special discounts, cashbacks . We will not charge you any fees for the initial issuance or use of the Card. Our team of experts provide guidance from setup to launch & scale. issuer name / bank card brand card type card level; 425755: united states: sutton bank : visa debit prepaid 450812: united states: sutton bank : visa debit prepaid 452283: united states: sutton bank : visa credit classic 470199: united states: sutton bank : visa debit prepaid 472001: united states: sutton bank : visa debit business 479146 . There are cases when attackers are pretending to be a lawyer or someone from a law firm that is supposedly in charge of crucial and confidential data. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info. The Troubleshooters have received reports from other consumers in the Delaware Valley about Cash App cards issued by Sutton Bank. Once we receive the final transaction amount, it may take up to seven (7) days for the hold to be removed. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. 14.99% - 29.99%. Click on this link to access the MoneyIQ for Business Financial Literacy and Education Center. Accounts are FDIC-insured up to $250,000. Similar to logging in online, the app will usually provide you with a home screen once you . As a result, every job in the organization is responsible for cybersecurity knowledge and abilities. 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. Scale Merchant Acceptance: Provide consumers with the ability to make a purchase using their BNPL provider at . Your Card will not be available for activation until Sutton Bank has verified your identity. If you have provided us with the personal information described in the paragraph above labeled Important Information about Opening a New Card Account, then such funds are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum amount specified by FDIC regulations. 7. 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. Because people have a natural desire to be helpful and prove their usefulness, therefore likely to becomevictims of BEC attacks. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. Tried to use at Ann Taylor in Potomac Mills Mall, Woodbridge at 11:14am and told balance was only 1.44. Preauthorized transfers will not be allowed. The Visa Gift Card can be used everywhere Visa debit cards are accepted in the US. $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions **. You and your mean the person who have received the Card and is authorized to use the Card as provided for in this Agreement. The PIN must be used on all automated teller machine (ATM) transactions and PIN transactions. 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. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. For existing companies, the Tribal account opening process is 100% digital and the application process typically takes less than 10 minutes. If we ask for specific identifying documents, we will have the right to immediately close or suspend your Card Account if those specific documents are not provided. An executive or employees email account is hacked and used to request invoice payments to vendors listed in their email contacts. Regular APR. 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. @alexandra 01/24/22 This answer was first published on 01/24/22. Visit the one-stop shop for learning about doing business in Ohio. If you do provide access to your Card or Card number, you are liable for all transactions incurred with the Card or Card number. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any third party, stalk, threaten or harass anyone, gain any unauthorized entry, or interfere with the systems and integrity of the App and Website. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. We, us, and our mean the Issuer and its respective successors, affiliates, or assignees. Find out more. Most are the reloadable type. Lets take as an example an email coming from a senior executive in the company in which a large amount of money is requested in an urgent manner. We will pay the initial filing fee to commence the arbitration. However, the criteria to qualify for this program can be flexible, based on your companys size and business needs. 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. 3. We may temporarily suspend your Card in the event we detect unusual or suspicious activity. All funds associated with the Card shall be held in an account with the Issuer, with the balance of such funds to be reduced through your use of such funds or through the imposition of fees and other charges in accordance with the terms and conditions of this Agreement. See how Square uses Marqeta. 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. Upgrade Visa Card with Cash Rewards. Combine the flexibility of a credit card with the predictability of a personal loan. Work with us . Rejection of this Arbitration provision will not affect your other rights or responsibilities under this section or the Agreement. Any organization requires effective communication. The first step in improving your cybersecurity is understanding your risk of an attack, and where you can make the biggest improvements. Card Protection. If you need to replace your Card for any reason we recommend that you make your request for a replacement Card within the App. Developed by the DHS Cybersecurity and Infrastructure Agency (CISA), this toolkit will help you raise awareness and reduce the impacts of supply chain risks. Other Phone. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. All software vendors regularly provide patches and updates to their products to correct security problems and improve functionality. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. The Card issued to you will be in the form of a virtual card (available to you in the App) (Virtual Card) and a physical card (a plastic card, which will be delivered to you) (Plastic Card), both cards carrying and representing the same assigned 16-digit card number and Card Account. Managers should bear in mind that hackers dont just break into the IT department by sheer force; they look for weaknesses. 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. 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. A strong password includes: Multifactor authenticationMultifactor authentication requires additional information (e.g., a security code sent to your phone) to log in. Primary Fax. 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. Concession Opal cards need . All credit decisions are made by Backoffice.co, Inc DBA finally. The maximum balance allowed on your Card is $10,000. IN ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY. - Manage your Billers. 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. Access spending data through convenient web access for exceptional program reporting. A copy of this Agreement is available to you in the App and on the Website. 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. Cybersecurity risks come in a wide variety of shapes and sizes, making it critical to recognize, disclose, and properly respond to a cyber threat. Score Some Rewards. To initiate a signature transaction at the point of sale, select Credit and sign the receipt (if required by the merchant). Critical data includes word processing documents, electronic spreadsheets, databases, financial files, human resources files, and accounts receivable/payable files. Your Card and your obligations under this Agreement may not be assigned. Target Market Determinations for the products are available. Industry leaders across on-demand delivery, expense management, digital banking & more use Marqeta to quickly launch programs. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. 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. We use cookies for security purposes, to improve your experience on our site and tailor content for you. Reap the benefits of your hard work, with our Platinum Credit Card. This card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. 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. You are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein. Already a Revenued cardholder? To protect the use of your Card, you are required to set a personal identification number (PIN). Program management. The Card is not connected in any way to any other account. Raising employee awareness about scams and BEC fraud is always a good idea, but businesses shouldnt rely solely on this. Get a Visa License Are you interested in becoming a Visa licensed client? * Rewards offers are subject to approval. The Card is not a device that accesses money in an individual checking or savings account. The Card is not a credit card. 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. Expense management. 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 Warranty of Availability or Uninterrupted Use. Sutton Bank review: Vanilla visa debit card. Platinum Mastercard. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account. In some cases we may follow up and request company bank statements or additional . Any transaction that could create a negative balance for your Card Account is not permitted. Now, if you are Cashing Out from your CA the instant option uses the card network to your linked Debit card, like a merchant making a refund . By checking this box, you agree to receive marketing emails from Visa. 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. We do not waive our rights by delaying or failing to exercise them at any time. One final way to obtain your debit card balance is through your bank's app. Includes prepaid. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions made with your Card. Bank of America normally charges a $5 ATM fee. . 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. Small business lending. Sutton Bank is not making the credit decision. This information, along with a 12-month history of the Card Account Transactions, is also available via the MAJORITY App. Detect fraud, control your spend, and ensure the highest levels of compliance and uptime. We shall not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses that may affect your computer or other equipment. | The Revenued Business Card is a purchase of future receivables and not a loan. 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. Any translation of this Agreement is provided for your convenience. . If you do not agree to the terms and conditions contained in this Agreement, do not activate or use the Card and contact Customer Service to cancel your Card. Sumissura . FCC Planning ToolThe Federal Communications Commission offers acybersecurity planning toolto help you build a strategy based on your unique business needs. Get 15% off on individual courses at edX, only with your Visa card. Card Protection. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. Options may vary. The plaintiff alleges the fintech company and Ohio-chartered bank have wrongfully refused to refund $3,000 that was fraudulently drained from her account after she fell victim to an apparent scam involving Square's Cash App, used to send and receive money online. 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. 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. 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. You agree that the Issuer, Majority USA, LLC, and their respective affiliates, employees, or agents are not responsible for any interruption of service. The expiration date of the Card is identified on the front of your Card. A card that can help drive process efficiencies and improve control over procurement spend. For better business. You can either do the assessment yourself, orrequest a facilitated assessmentby DHS cybersecurity professionals. Product. Square Checking is provided by Sutton Bank, Member FDIC. Such software is readily available online from a variety of vendors. Marqeta is the world's first modern card issuing platform. If we exercise this right, we will incur no liability to you because of any resulting unavailability of the funds in your Card Account or your inability to use your Card. Adult and Child/Youth Opal cards are also available over the counter from most retailers, including most convenience stores and newsagents. 2. Transactions Not Routed Through the Visa System: Unauthorized transactions that are not routed through Visa are not protected by the Visa Zero Liability Protection policy. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. 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. - Pay Bills. 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. In addition to the currency conversion charge, we will impose a charge equal to 3% of the transaction amount (including credits and reversals) for each transaction (U.S. or foreign currency) that you conduct at merchants (including foreign websites) outside the United States.

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