State-chartered Sutton Bank, which operates eight branches in four counties in Ohio, has issued 11 million Visa, Mastercard, and Discover payment card accounts. For better business. You may also have additional security obligations related to agreements with your bank or processor. An ideal card for easy and efficient business purchases. Banco Nacional Ultramarino, S.A. (Mastercard and UnionPay debit cards, Visa and UnionPay credit cards) . All Cards are issued by Sutton Bank and distributed and serviced by Majority USA, LLC. Managers should bear in mind that hackers dont just break into the IT department by sheer force; they look for weaknesses. 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. 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. IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. For better lifestyles. Control your card through a mobile app. 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. Employees and emails are a leading cause of data breaches for small businesses because they are a direct path into your systems. The Gift Card Granny Visa or Mastercard is a prepaid Card issued by Sutton Bank. You can also set up direct deposits to your account and get a debit card. Tried to use at Ann Taylor in Potomac Mills Mall, Woodbridge at 11:14am and told balance was only 1.44. Reap the benefits of your hard work, with our Platinum Credit Card. Information for starting and maintaining a business. - Pay Bills. FOR QUESTIONS OR ASSISTANCE, PLEASE CONTACT CUSTOMER SERVICE AT 1 (855) 553-3388, 1. When you use your Card, you are redeeming the value on the Card and not making a withdrawal from a checking or savings account. 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. The Card is issued by the Bank. 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. Full details are available on request. The card is issued by Sutton Bank and is unique to a user's Cash App account. Merchant Holds on Available Funds. 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. Viruses are intended to give cybercriminals access to your system. You agree that from time to time, without further notice to you, we may monitor and/or record telephone calls and electronic communications between you and us to assure the quality of our customer service or as required by applicable law. All credit decisions are made by Backoffice.co, Inc DBA finally. . Critical data includes word processing documents, electronic spreadsheets, databases, financial files, human resources files, and accounts receivable/payable files. Reduce purchasing . Rejection of this Arbitration provision will not affect your other rights or responsibilities under this section or the Agreement. We are not responsible for any such fee and they will be deducted from the balance of the Card, along with the withdrawal or transaction amount. Yes, you can add your own logo or create a custom credit card with the background image of your choice. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. You may simply lock the card for the specific vendor and not have any additional recurring spend blocked. We may revoke or suspend your Card or any features or services of your Card at any time without cause or notice. We, us, and our mean the Issuer and its respective successors, affiliates, or assignees. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. Loads are available on the business day when final collected funds are received by us unless a longer time is permitted by applicable law. H-E-B engages in the money transmission business and/or sale of stored value products as an authorized delegate of InComm Financial . The Virtual Visa Gift Card can be redeemed at internet merchants everywhere Visa . While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction and the refund may not be available for a number of days after the date the refund transaction occurs. Customer Service agents are available to answer your calls Monday-Friday from 8am to 6pm and Saturday 9am to 5pm USA Central Time. You may not permit another person to have access to your Card or Card number. We use cookies for security purposes, to improve your experience on our site and tailor content for you. The funds associated with the Card do not expire. Alexandra Barring, Banking Moderator . For any other exception stated in our Agreement with you or by applicable law. Theres no substitute for dedicated IT supportwhether an employee or external consultantbut businesses of more limited means can still take measures to improve their cybersecurity. Sutton Bank, Member FDIC, issues the Upgrade Card, which allows access to the personal credit line. You always find the most recent version of this Agreement in the Majority Mobile Application (App) and on https://www.majority.com (Website). Besides no annual fees, this card also doesn't come with any activation or maintenance fees, making it a perfect cost-effective . 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. When you notify us about an error we may require that you complete our error/dispute form which you need to complete in writing and provide to us within the (10) business days. FEATURES INCLUDE: Visa Gift Card from $20-$500 denominations. If we are unable to contact you, we may be required to transfer any funds remaining with respect to your Card to state government authorities as unclaimed property. If you do not have enough funds available in your Card Account for the amount authorized by you, your transaction will be declined. Score Some Rewards. For more information on how Visa collects and protects your personally identifying data, . Please notify us at Customer Service if you have any problems using your Card. To earn the victims trust, this communication frequently employs persuasion, urgency, and authority. Laptops can be particularly easy targets for theft or can be lost, so lock them up when unattended. 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. You can either do the assessment yourself, orrequest a facilitated assessmentby DHS cybersecurity professionals. The Department of Homeland Securitys"Stop.Think.Connect" campaignoffers training and other materials. Rellevate handles all customer service for the program. 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. ACH transactions and wire transfers are the fastest way to move funds to another business, person, or other recipient. Online marketplaces. Use theSupply Chain Risk Management Toolkitto help shield your business information and communications technology from sophisticated supply chain attacks. These transaction limit amounts may be lower when your card is not present, such as an online transaction. Perfect for startups launching a card program. You agree to sign the back of the Card immediately upon receipt. Solely for purposes of this Section 37 (Arbitration), We or Us shall mean the Issuer, and its respective successors, affiliates or assignees as well as Majority USA, LLC or any other any third party using or providing any product, service or benefit in connection with the Card. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer. Use antivirus software and keep it updatedMake sure each of your businesss computers is equipped with antivirus software and antispyware and updated regularly. | The Revenued Business Card is a purchase of future receivables and not a loan. 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. 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. Easy to Give, Easy to Use. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. Sometimes employees tend to rush an action or a response, therefore training them to double-check before executing a task could reduce the risk of being compromised by a cyber attack. 2. Work with us . By creating an email address with a spoofed domain and just adding 1 digit or one letter in the domain name you could become a victim. One final way to obtain your debit card balance is through your bank's app. Requests for address or name changes may be subject to additional verification requirements. 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). 16. We may temporarily suspend your Card in the event we detect unusual or suspicious activity. The Card will remain the property of the Issuer and must be surrendered upon demand. The money exchange booth at LAX was $1.18 and Travelex at SYD was $1.14 + 3%. After the code is run, your computer may become infected with malware. Although it may seem obvious, human error is responsible for 95% of effective cyber-attacks. . Your rejection notice must be mailed within 45 days after your first card purchase. The Card cannot be redeemed for cash. Discover key concepts of the Marqeta platform with hands on tutorials, Issue cards, fund accounts, manage payments, and more, View filterable, curated production data and personalized insights, Explore our endpoints, make API requests, and quickly prototype your product. Administrative privileges should only be given to trusted IT staff and key personnel. You can manage your preferences. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who obtains a Card. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Malware (malicious software) is an umbrella term that refers to software intentionally designed to cause damage to a computer, server, client, or computer network. 10. - View Account Balances. To activate your Card, follow the steps and instructions for activation in the App. There are a number of ways to get an Opal card, depending on the card you need. Use strong passwordsUsing strong passwords is an easy way to improve your cybersecurity. - Transfer Funds. The expiration date of the Card is identified on the front of your Card. 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. To protect the use of your Card, you are required to set a personal identification number (PIN). Note that you may also be charged a fee for a balance inquiry even if you do not complete a fund transfer. The employees are targeted in order to obtain personally identifiable information (PII) or tax statements of employees and executives, important data that can be used in future attacks. Card Protection. Ransomware is a specific type of malware that infects and restricts access to a computer until a ransom is paid. We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. Vanilla Visa Gift Cards are issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Cards may be used in the U.S. and District of Columbia everywhere Visa debit cards are accepted. Download your bank app. 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. Yes, you can choose Canadian or US currency cards for your Canadian employees. Your Card will not be available for activation until Sutton Bank has verified your identity. 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. 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. These may change or we may introduce new ones in the future. Use open APIs to create new payment products or streamline supplier and workforce payments. Typically, the minimum annual spend is $5 million CAD. 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. In case of errors or questions about your electronic transactions or Card Account, contact us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. 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. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. 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. 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 are responsible for all authorized transactions initiated and fees incurred by the use of your Card. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals (see Transactions Not Routed Through the Visa System below). 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. or Sutton Bank, Members FDIC, pursuant to a license from Visa U.S.A. Inc. ***Transactions may be subject to limitations under applicable law, including the Bank Secrecy Act and anti-money laundering laws. Another aspect that needs to be better applied and understood, especially when discussing larger companies, is to make employees feel comfortable to contact their managers, not only via email but also using alternative communication tools like internal chat systems, SMS, and even phone calls. Depending on the adversarys thoroughness, the BEC assault can occur in a single email or throughout an entire thread. If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the cardmember agreements for any other currently open Majority accounts you have will not apply to you, except for any claims subject to pending litigation or arbitration at the time you send your rejection notice. However, certain third-party fees may apply as further described below. Concession Opal cards need . If you want to cancel the Card, the Card Account and this Agreement please contact Customer Service. You may add funds to your Card Account, called loading, by: (i) Automated Clearing House (ACH) loads up to $5,000 per month, minimum $20 per load, maximum $5,000 per day with a limit of 5 transactions per day; (ii) credit or debit card loads up to $500 per transaction, $500 per day, $5,000 per month with a limit of 5 transactions per day and a minimum of $20 per load; (iii) direct deposit loads up to $5,000 per day, $10,000 per month, with a limit of 3 transactions per day; (iv) federal transaction direct deposit loads from the IRS Treasury up to $10,000 per day; and (v) loading cash through one of our reload locations up to $500 per transaction, $2,500 per day, $5,000 per month with a maximum of 5 reloads per day. Bank of America is about $1.12 on the ATM withdrawal exchange rate. ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. As a best practice, we recommend using one virtual card per vendor. If you make your email account available to any other individual, you agree that you are responsible for any release of any Account information to such individual. 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. Save 12% on all purchases when you pay with a valid Visa card. If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, the Bank may assess a foreign currency conversion fee of 3% of the transaction amount and will retain this amount as compensation for its services. ZA Bank (Visa Debit card) *Bank-issued American Express cards aren't supported.