However, there are some exceptions. Those types of cards are issued by two parties: a bank and a non-financial entity ( for example a retail merchant). Back up data automatically if possible, or at least weekly, and store the copies either offsite or on the cloud. Regular APR. Be sure to use different passwords for your different accounts. 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. We may revoke or suspend your Card or any features or services of your Card at any time without cause or notice. Sutton Bank does not provide customer service for the Georgia Cash Assistance Program. If you do provide access to your Card or Card number, you are liable for all transactions incurred with the Card or Card number. Why you believe there is an error, and the dollar amount involved, 3. Loads are available on the business day when final collected funds are received by us unless a longer time is permitted by applicable law. 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. Training employees on basic internet best practices can go a long way in preventing cyber-attacks. In its ordinary course of business, Sutton Bank may utilize a . Skip to main content . See how Square uses Marqeta. 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 . You can either do the assessment yourself, orrequest a facilitated assessmentby DHS cybersecurity professionals. No Warranty of Availability or Uninterrupted Use. 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 An ideal card for easy and efficient business purchases. | The Revenued Business Card is a purchase of future receivables and not a loan. 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. 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. 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. You are responsible for keeping track of your Card Account available balance. FCC Planning ToolThe Federal Communications Commission offers acybersecurity planning toolto help you build a strategy based on your unique business needs. For existing companies, the Tribal account opening process is 100% digital and the application process typically takes less than 10 minutes. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. We may temporarily suspend your Card in the event we detect unusual or suspicious activity. Unfortunately, cybercriminals have discovered how to steal your hard-earned money. The attacker will try to either obtain access to the email addresses of the influential people in the company or just impersonate them. Over the last seven years, Sutton has focused on providing corporate banking services to fintech. 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. Malware (malicious software) is an umbrella term that refers to software intentionally designed to cause damage to a computer, server, client, or computer network. 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. Reduce purchasing . No one else may sign the rejection notice. Balance Transfer Fee. . You may obtain information about the current amount of money you have remaining in your Card Account by calling 1-855-553-3388. Section headings in this Agreement are for convenience of reference only, and shall not govern the interpretation of any provision of this Agreement. You can also replace your Card by contacting our Customer Service (contact details at the very top). Merchant Holds on Available Funds. Access the toolkit here. 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. Encourage employees to challenge suspicious requests. Annual rate from 6.99 % p.a. The Card is not a credit card. 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. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. 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. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info. 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. These emails often entice users to click on a link or open an attachment containing malicious code. Note that you may also be charged a fee for a balance inquiry even if you do not complete a fund transfer. 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. There are a number of ways to get an Opal card, depending on the card you need. Your rejection notice must be mailed within 45 days after your first card purchase. Other Phone. This information, along with a 12-month history of the Card Account Transactions, is also available via the MAJORITY App. Find the best card for your small business. We will pay the initial filing fee to commence the arbitration. Marqeta is the world's first modern card issuing platform. You are responsible for all authorized transactions initiated and fees incurred by the use of your Card. Perfect for startups launching a card program. The maximum amount that can be spent using your Card is: Cash Access. The Revenued Business Card Visa Commercial Card is powered by Marqeta. Yes, you can choose Canadian or US currency cards for your Canadian employees. 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. Please read this Agreement carefully and keep it for future reference. Our Liability for Failure to Complete Transactions. Instantly issue & process card payments with our open API platform. 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. The PIN you set will apply both in relation to your Virtual Card and your Plastic Card. Security: If the vendor's website security is compromised, your card information with other vendors stays safe. About Your Card and this Cardholder Agreement. 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 AGREE TO HOLD HARMLESS AND INDEMNIFY US AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES (AND THEIR SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES) FROM AND AGAINST ANY AND ALL CLAIMS, SUITS, DAMAGES, PENALTIES, COSTS, FINES, LIABILITIES AND EXPENSES, INCLUDING, WITHOUT LIMITATION, REASONABLE ATTORNEYS FEES, THAT ARISE FROM YOUR VIOLATION OF THIS AGREEMENT, APPLICABLE LAW, OR ANY THIRD-PARTY RIGHTS OR YOUR FRAUD OR WILLFUL MISCONDUCT. You can manage your preferences. We will attempt to communicate with you only by use of the most recent contact information you have provided to us. 2022 Marqeta, Inc. 180 Grand Avenue, 6th Floor, Oakland, CA 94612. You should not write or keep your PIN with your Card. Any transaction that could create a negative balance for your Card Account is not permitted. 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. 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. We will tell you the results within three (3) business days after completing the investigation. Activating Your Card: You must activate your Card before it can be used. Online marketplaces. For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. Our team of experts provide guidance from setup to launch & scale. This card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Please contact your product specialist for further information. Consider its appropriateness to these factors before acting on it. Your Card and your obligations under this Agreement may not be assigned. 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. 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. * Rewards offers are subject to approval. We will not charge you any fees for the initial issuance or use of the Card. The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. - Review Transaction History. This Privacy Policy also tells how you can (i) limit the ways we share, or (ii) request corrections to the information we maintain about you. Read More Business Details. Make sure a separate user account is created for each employee and require strong passwords. | The Revenued Business Card is a purchase of future receivables and not a loan. Tell me more. We value their cutting-edge technology, reliability, and easy to use platform APIs.. FEATURES INCLUDE: Visa Gift Card from $20-$500 denominations. Secure your networksSafeguard your Internet connection by using a firewall and encrypting information. To protect the use of your Card, you are required to set a personal identification number (PIN). This Agreement is effective April 01, 2021. Once they have them; they can use them to transfer money out of your bank account and into theirs. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by the Card Network from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate the Card Network itself receives, or the government-mandated rate in effect for the applicable central processing date. Download your bank app. The Card is not for resale and may not be transferred or assigned. These are called split transactions. Some merchants do not allow cardholders to conduct split transactions. Featured. 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. 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. Industry leaders across on-demand delivery, expense management, digital banking & more use Marqeta to quickly launch programs. We use cookies for security purposes, to improve your experience on our site and tailor content for you. Most are the reloadable type. The expiration date of the Card is identified on the front of your Card. Use antivirus software and keep it updatedMake sure each of your businesss computers is equipped with antivirus software and antispyware and updated regularly. We remind you that the offering and provision of the Card and the related services set out in this Agreement are conditioned upon that you are an existing customer of Majority USA, LLC and permitted by Majority USA, LLC or otherwise eligible to acquire services under the Majority Terms of Service. 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.
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