sutton bank visa commercial card

Please read this Agreement carefully and keep it for future reference. It isn't connected to a personal bank account or another debit card. Read More Business Details. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. We may revoke or suspend your Card or any features or services of your Card at any time without cause or notice. If you are still experiencing issues, please call 833 . However, there are some exceptions. You agree to act responsibly with regard to our App and Website and its use. As a best practice, we recommend using one virtual card per vendor. 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. 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. A strong password includes: Multifactor authenticationMultifactor authentication requires additional information (e.g., a security code sent to your phone) to log in. 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. 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. To initiate a PIN transaction at the point of sale, select Debit and enter your PIN at the point of sale terminal. 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). Both Mastercard and Visa assist in emergency replacement cards and cash advance, anywhere in the world 24/7. Consider its appropriateness to these factors before acting on it. We may also ask to see a copy of your drivers license or other identifying documents. You should get a receipt at the time you make a transaction using your Card. 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. 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. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. This arbitration provision shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If you do provide access to your Card or Card number, you are liable for all transactions incurred with the Card or Card number. edX . 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 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. Approximately when the error took place. For existing companies, the Tribal account opening process is 100% digital and the application process typically takes less than 10 minutes. 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). Because people have a natural desire to be helpful and prove their usefulness, therefore likely to becomevictims of BEC attacks. Scale Merchant Acceptance: Provide consumers with the ability to make a purchase using their BNPL provider at . Lodge with frequently used pre-approved suppliers. An executive or employees email account is hacked and used to request invoice payments to vendors listed in their email contacts. In its ordinary course of business, Sutton Bank may utilize a . Small businesses are attractive targets because they have information that cybercriminals want, and they typically lack the security infrastructure of larger businesses. From global enterprises to booming startups, innovators count on Marqeta. Buy Now, Pay Later. 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. 29. This free app provides you with quick access to the online banking tools you need, so you can manage your finances on the go. We may refuse to process any transaction that we believe may violate the terms and conditions of this Agreement. FCC Planning ToolThe Federal Communications Commission offers acybersecurity planning toolto help you build a strategy based on your unique business needs. The Card is not a credit card. Your Card will not be available for activation until Sutton Bank has verified your identity. Assignment; Applicable Law; Severability. Macao . . 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. Score Some Rewards. Cybersecurity risks come in a wide variety of shapes and sizes, making it critical to recognize, disclose, and properly respond to a cyber threat. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard. Merchants generally will not be able to determine your available balance. Bank of America normally charges a $5 ATM fee. 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. The Cancellation will not affect any of our rights or your obligations arising under this Agreement before the Card was cancelled. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. 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. - Manage your Billers. A copy of this Agreement is available to you in the App and on the Website. This means that you may need to visit more than one merchant if you are seeking to withdraw cash in an amount which is less than or equal to the total limit above, but more than the limit established by the individual merchant. 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 . 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. When you use your Card, you are redeeming the value on the Card and not making a withdrawal from a checking or savings account. Phone Numbers. Complimentary insurances. 28. The Department of Homeland Securitys"Stop.Think.Connect" campaignoffers training and other materials. The Revenued Business Card Visa Commercial Card is powered by Marqeta. Additional Contact Information. MoneyIQ Financial Literacy and Education Center, Protecting sensitive customer and vendor information. ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. Industry leaders across on-demand delivery, expense management, digital banking & more use Marqeta to quickly launch programs. 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. 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. Work with us . Square Checking is provided by Sutton Bank, Member FDIC. 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 Federal Reserve and Business Payment Coalition has created the Small Business Payments Toolkit so that you can see the benefits of using electronic payment types, as well as practical fraud prevention including mitigation tips and education and training for employees to avoid payments fraud. Developed by the DHS Cybersecurity and Infrastructure Agency (CISA), this toolkit will help you raise awareness and reduce the impacts of supply chain risks. 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. 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. Such software is readily available online from a variety of vendors. Purchased at a Walgrens on 12/20/21 at 1:23 pm. Ransomware is a specific type of malware that infects and restricts access to a computer until a ransom is paid. There is no fee for this service. If you need more information about our error-resolution procedures, please contact Customer Service. In this specific scam companies working with foreign suppliers are often targeted. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. * Rewards offers are subject to approval. 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. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious. You can manage your preferences. Tell me more. Accounts are FDIC-insured up to $250,000. 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). Please read this Agreement carefully and retain it for future reference. It is your responsibility to check the Agreement periodically for changes. This Agreement is revised periodically, so it may include changes from earlier versions. (419) 756-2449. 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. A dedicated specialist from Scotiabank is ready to assist - from consultation to implementation to help ensure your team takes full advantage of the program. Although it may seem obvious, human error is responsible for 95% of effective cyber-attacks. For better business. You are required to notify us immediately if you believe the Card is lost or stolen. More than 80% of those accounts are prepaid. 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. You agree that the Issuer, Majority USA, LLC, and their respective affiliates, employees, or agents are not responsible for any interruption of service. Amendment, Suspension and Cancellation. An extremely important step an organization must take in safeguarding against BEC is to provide employees with adequate cybersecurity training. Access spending data through convenient web access for exceptional program reporting. On-demand services. Sutton Bank is not making the credit decision. 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. FEATURES INCLUDE: Visa Gift Card from $20-$500 denominations. Viruses are harmful programs intended to spread from computer to computer (and other connected devices). You always find the most recent version of this Agreement in the Majority Mobile Application (App) and on https://www.majority.com (Website). 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. Access the toolkit here. All rights reserved. No Warranty Regarding Goods or Services as Applicable. We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. Perfect for startups launching a card program. 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. 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. Sumissura . We will reject any loads that exceed the maximum balance allowed on your Card. Cyber-attacks are a growing concern for small businesses. Our open API platform allows businesses to instantly issue cards and process payments. One final way to obtain your debit card balance is through your bank's app. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. Card Protection. https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf. The Card will remain the property of the Issuer and must be surrendered upon demand. You are responsible for all authorized transactions initiated and fees incurred by the use of your Card. Cyber-attacks are a growing threat for small businesses and the U.S. economy. Our Business MoneyIQ page features useful information and videos to help your business navigate the increased threats from cyberattacks, Ransomware, DDoS attacks, tax fraud and more. . If you use your Card after such notice or modification is provided, you are agreeing to the change. There are also maximum load restrictions we may place on your Card when aggregated with any other Cards you have. Legacy payment solutions are slow, rigid, and lack fraud controls. 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. Employees should understand that its better to delay the payment than to be scammed and take the proper steps in making sure the request that came their way is actually legit. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account. 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. FEDERAL PAYMENTS: THE ONLY FEDERAL PAYMENTS THAT MAY BE LOADED TO YOUR CARD ACCOUNT VIA A DIRECT DEPOSIT ARE FEDERAL PAYMENTS FOR THE BENEFIT OF THE PRIMARY CARDHOLDER. The PIN must be used on all automated teller machine (ATM) transactions and PIN transactions. The maximum amount that can be spent using your Card is: Cash Access. Control your card through a mobile app. Detect fraud, control your spend, and ensure the highest levels of compliance and uptime. In some cases we may follow up and request company bank statements or additional . Section headings in this Agreement are for convenience of reference only, and shall not govern the interpretation of any provision of this Agreement. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Please be advised that you may experience difficulties using your Card at unattended vending machines, kiosks, and gas station pumps. Skip to main content . Additional information and applicable terms and conditions will be provided to you in the App and at the Website. The amount of the fee should be disclosed at the ATM. You must surrender a revoked Card and you may not use an expired or revoked Card. 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. Friday, March 3, 2023. 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. Upon your request, we will issue you a replacement Card. Well, like all social engineering attacks, BEC fraud relies on the human factor in order to be successful. About Your Card and this Cardholder Agreement. Upgrade Visa Card with Cash Rewards. The card was sealed in original packaging until approximately 8:45am on 09/30/2022. Encourage employees to challenge suspicious requests. . 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. Perfect for All Occasions. 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. Find out more. For more information on how Visa collects and protects your personally identifying data, . Includes prepaid. To activate your Card, follow the steps and instructions for activation in the App. 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. Our Liability for Failure to Complete Transactions. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. 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 . The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Small business lending. Sutton Bank, Member FDIC, issues the Upgrade Card, which allows access to the personal credit line. Reduce purchasing . 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. Merchant Holds on Available Funds. Concession Opal cards need . We advise the regular use of a reputable and readily available virus screening and prevention software. You may not use your Card for any online gambling, escort services or any illegal transaction. Card Protection. Payments are then sent to fraudulent bank accounts. Employees and emails are a leading cause of data breaches for small businesses because they are a direct path into your systems. The Card is not a credit card and will not enhance your credit rating. 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. 14.99% - 29.99%. Fax Numbers. * Rewards offers are subject to approval. Full details are available on request. About Your Card and this Cardholder Agreement. Yes, you can add your own logo or create a custom credit card with the background image of your choice. If you want to cancel the Card, the Card Account and this Agreement please contact Customer Service. 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. Easy to Give, Easy to Use. 1 Securely lock your Business Visa Debit Card when you need to and unlock it again when you don't. Use it to control your business expenses while you're working out the best financial decisions for you. All Cards are issued by Sutton Bank and distributed and serviced by Majority USA, LLC. You Should also make sure to update your security software regularly and keep a backup of your data. 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. Sutton Bank review: Vanilla visa debit card. The funds associated with the Card do not expire. 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. You may reject this Arbitration provision by sending a written rejection notice to us at: support@majority.com. Please contact your product specialist for further information. Requests for address or name changes may be subject to additional verification requirements. Simplify your life and stay in control conveniently and securely, with the Sutton Bank Mobile App. Co-Branded Credit Cards are bank cards issued by banks in joint sponsorship with the retail merchants. 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. Laptops can be particularly easy targets for theft or can be lost, so lock them up when unattended. $4.95 Purchase Fee. We reserve the right to require an affidavit signed by you and conduct an investigation into the validity of any request. Copies of the documents used in the investigation may be obtained by contacting Customer Service. . The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. We value their cutting-edge technology, reliability, and easy to use platform APIs.. with your Visa Commercial card. Free ATM withdrawals if you set up direct . 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. Insurance. Customer Service agents are available to answer your calls Monday-Friday from 8am to 6pm and Saturday 9am to 5pm USA Central Time. Once they have them; they can use them to transfer money out of your bank account and into theirs. Visa Gift cards can be used nationwide in-store and online, where Visa debit cards are accepted. Square Debit Card may be used wherever Mastercard is accepted. Make sure a separate user account is created for each employee and require strong passwords. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. Yet many businesses cant afford professional IT solutions, have limited time to devote to cybersecurity, or they dont know where to begin. Rejection of this Arbitration provision will not affect your other rights or responsibilities under this section or the Agreement.

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