Online marketplaces. It is important to know your available balance before making any transaction. a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Troubleshooters have received reports from other consumers in the Delaware Valley about Cash App cards issued by Sutton Bank. Why you believe there is an error, and the dollar amount involved, 3. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account. Cyber-attacks are a growing threat for small businesses and the U.S. economy. Malware (malicious software) is an umbrella term that refers to software intentionally designed to cause damage to a computer, server, client, or computer network. 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 You agree that the Issuer, Majority USA, LLC, and their respective affiliates, employees, or agents are not responsible for any interruption of service. Sutton Bank review: Vanilla visa debit card. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info. 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. 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. MoneyIQ Financial Literacy and Education Center, Protecting sensitive customer and vendor information. The Upgrade Visa Card with Cash Rewards comes with an annual fee of $0 and an 8.99%-29.99% regular APR. . Find the best card for your small business. Ideal card for employees on the move to pay for travel and entertainment expenses with ease. You may reject the arbitration provision by sending us written notice within 45 days after your first card purchase. Square Debit Card may be used wherever Mastercard is accepted. 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 may simply lock the card for the specific vendor and not have any additional recurring spend blocked. If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. See our Rewards Terms and Conditions for, Best Business Credit Cards Comparison Tool. We will tell you the results within three (3) business days after completing the investigation. Our 5-star customer service team is here to answer any questions you may have. This Agreement is revised periodically, so it may include changes from earlier versions. The Card is not connected in any way to any other account. 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. . Regular APR. After diligently researching his targets for some time, the attacker will develop a few scam scenarios that might work. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. You may obtain information about the current amount of money you have remaining in your Card Account by calling 1-855-553-3388. . Product. We do not waive our rights by delaying or failing to exercise them at any time. However, the criteria to qualify for this program can be flexible, based on your companys size and business needs. We use cookies & other technologies to analyze website traffic, personalize content & provide relevant advertising on other websites. 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 . 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. Use antivirus software and keep it updatedMake sure each of your businesss computers is equipped with antivirus software and antispyware and updated regularly. This information, along with a 12-month history of the Card Account Transactions, is also available via the MAJORITY App. 29. Cyber-attacks are constantly evolving, but business owners should at least be aware of the most common types. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. Crypto cards. TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOUR RECOVERY FOR ANY ALLEGED NEGLIGENCE OR MISCONDUCT BY US SHALL BE LIMITED TO THE TOTAL AMOUNT LOADED ON THE CARD. For existing companies, the Tribal account opening process is 100% digital and the application process typically takes less than 10 minutes. For more information on how Visa collects and protects your personally identifying data, . Viruses are intended to give cybercriminals access to your system. 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. SUTTON BANK PREPAID RULE LONG FORM DISCLOSURE. Buy Now, Pay Later. Start by learning about common cyber threats, understanding where your business is vulnerable, and taking steps to improve your cybersecurity. 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. Instantly issue & process card payments with our open API platform. All Cards are issued by Sutton Bank and distributed and serviced by Majority USA, LLC. Other fees may apply. Yes, you can add your own logo or create a custom credit card with the background image of your choice. Cyber-attacks are a growing concern for small businesses. Additional information and applicable terms and conditions will be provided to you in the App and at the Website. Fax Numbers. Assignment; Applicable Law; Severability. 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. The card is designed for people with fair, good, and excellent credit. 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. 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. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This service can help secure your internet-facing systems from weak configuration and known vulnerabilities. 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. 14.99% - 29.99%. Please read this Agreement carefully and keep it for future reference. You are wholly responsible for the use of each Card according to the terms of this Agreement subject to the section labeled Lost or stolen cards/unauthorized transfers below, and other applicable law. Once we receive the final transaction amount, it may take up to seven (7) days for the hold to be removed. Judgment on the arbitration award may be entered in any court having jurisdiction. 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. After the code is run, your computer may become infected with malware. The Virtual Visa Gift Card can be redeemed at internet merchants everywhere Visa . Annual rate from 6.99 % p.a. Small businesses are attractive targets because they have information that cybercriminals want, and they typically lack the security infrastructure of larger businesses. 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. You may use your Card to purchase or lease goods or services online, by mail or telephone wherever Visa debit cards are accepted as long as you do not exceed the value available in your Card Account, or any other limitations set our herein. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CONTACT CUSTOMER SERVICE TO CANCEL YOUR CARD AND TO REQUEST A REFUND. 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. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. . The app enables you to send and receive money, purchase stocks and Bitcoin. 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. Use the Supply Chain Risk Management Toolkit to help shield your business information and communications technology from sophisticated supply chain attacks. "There is a card number . 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. The PIN must be used on all automated teller machine (ATM) transactions and PIN transactions. The funds associated with the Card do not expire. 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. Cybersecurity risks come in a wide variety of shapes and sizes, making it critical to recognize, disclose, and properly respond to a cyber threat. 1-16. - Manage your Billers. | The Revenued Business Card is a purchase of future receivables and not a loan. 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. @alexandra 01/24/22 This answer was first published on 01/24/22. For customer service or additional information regarding your Card, please visit the help and support sections available in the App or on the Website (https://www.majority.com) or contact Customer Service by phone. These may change or we may introduce new ones in the future. Reporting (and deactivating) a lost or stolen Card can also be made via the App. Save 12% on all purchases when you pay with a valid Visa card. You agree to act responsibly with regard to our App and Website and its use. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. It isn't connected to a personal bank account or another debit card. 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. About Your Card and this Cardholder Agreement. You must surrender a revoked Card and you may not use an expired or revoked Card. 55 day interest-free period on all purchases. Click on this link to access the MoneyIQ for Business Financial Literacy and Education Center. Transaction limits point-of-sale. Note that you may also be charged a fee for a balance inquiry even if you do not complete a fund transfer. Phishing emails appear as though theyve been sent from a legitimate organization or known individual. 12. . We will reject any loads that exceed the maximum balance allowed on your Card. These are called split transactions. Some merchants do not allow cardholders to conduct split transactions. We will pay the initial filing fee to commence the arbitration. Give us a call at +1-877-662-3489 or fill out the form below and well get back to you within 24 hours. 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. These emails often entice users to click on a link or open an attachment containing malicious code. Blue Ridge Bank, a nationally-chartered commercial bank, Member FDIC, originates personal loans and auto refinance loans. Yes, you can choose Canadian or US currency cards for your Canadian employees. You agree to sign the back of the Card immediately upon receipt. You and your mean the person who have received the Card and is authorized to use the Card as provided for in this Agreement. An extremely important step an organization must take in safeguarding against BEC is to provide employees with adequate cybersecurity training. Employees and emails are a leading cause of data breaches for small businesses because they are a direct path into your systems. Customer Service Number: 1 (855)-553 3388. Sutton Bank, Member FDIC, issues the Upgrade Card, which allows access to the personal credit line. Lodge with frequently used pre-approved suppliers. The Card is not a credit card. 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. 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. The Department of Homeland Securitys"Stop.Think.Connect" campaignoffers training and other materials. Concession Opal cards need . If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card. 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. The amount of the fee should be disclosed at the ATM. This card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. All software vendors regularly provide patches and updates to their products to correct security problems and improve functionality. 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. Visa Business credit cards. No one else may sign the rejection notice. MasterCard and Visa currently use a conversion rate that is either: (a) selected from a range of rates available in the wholesale currency markets (note: this rate may be different form the rate the association itself receives), or (b) the government-mandated rate. 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. Read More Business Details. Visit the one-stop shop for learning about doing business in Ohio. Copies of the documents used in the investigation may be obtained by contacting Customer Service. Both Mastercard and Visa assist in emergency replacement cards and cash advance, anywhere in the world 24/7. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION (ARBITRATION SECTION) REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION. 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. All credit decisions are made by Backoffice.co, Inc DBA finally. You will not receive any interest on your funds in the Card Account. We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. 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. NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. 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. The Revenued Business Card Visa Commercial Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. 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. Making you successful is our priority. More than 80% of those accounts are prepaid. Other Phone. Download your bank app. An executive or employees email account is hacked and used to request invoice payments to vendors listed in their email contacts. 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. 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. https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf. An ideal card for easy and efficient business purchases. Amendment, Suspension and Cancellation. 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. 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. Activating Your Card: You must activate your Card before it can be used. Most are the reloadable type. We may also ask to see a copy of your drivers license or other identifying documents. To earn the victims trust, this communication frequently employs persuasion, urgency, and authority. 28. A Better Way to Bank. Consider its appropriateness to these factors before acting on it. Apply for the right card and see what a difference we can make. The Cancellation will not affect any of our rights or your obligations arising under this Agreement before the Card was cancelled. Check with your vendors that handle sensitive data, especially financial institutions, to see if they offer multifactor authentication for your account. IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. Such software is readily available online from a variety of vendors. We are not responsible for such fee. 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. Customer Service agents are available to answer your calls Monday-Friday from 8am to 6pm and Saturday 9am to 5pm USA Central Time. 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. 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. Rellevate handles all customer service for the program. Friday, March 3, 2023. If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days to our Customer Service at the address provided below. Laptops can be particularly easy targets for theft or can be lost, so lock them up when unattended. The Card is not a device that accesses money in an individual checking or savings account. The Visa Gift Card can be used everywhere Visa debit cards are accepted in the US. Additional Contact Information. Complimentary insurances. 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. Supply Chain Risk Management. If you have any objections, complaints or disputes which relates to your contractual relationship with a merchant from whom goods or services were purchased (by using the Card), you shall address and handle this directly with that particular merchant; more specifically, we are not responsible for the delivery, quality, safety, legality, or any other aspects of goods or services that you purchase with the Card. Fraudulent or Criminal Card Account Activity. Approximately when the error took place. If you want to cancel the Card, the Card Account and this Agreement please contact Customer Service. All you need to do is complete a brief online questionnaire about your company operations, founders and sources of funding. Although it may seem obvious, human error is responsible for 95% of effective cyber-attacks. 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). 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. We will not charge you any fees for the initial issuance or use of the Card. 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. . As a result, every job in the organization is responsible for cybersecurity knowledge and abilities. 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. 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. Attackers achieve this by using different manipulating techniques in order to trick users into providing money or data. 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. You Should also make sure to update your security software regularly and keep a backup of your data. 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. 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. Also, if you become aware of and/or your statement or electronic history shows transactions that you did not make or authorize, notify us at once following the procedures stated in the paragraph labeled Your Right to Dispute Errors. 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. 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 . On February 23, 2023, the U.S. Department of State updated its guidelines to allow F and M students to apply for their student visas to study in the United States up to 365 . Any different agreement regarding arbitration must be agreed to in writing. If the merchant credits your Card, the credit may not be immediately available. Our open API platform allows businesses to instantly issue cards and process payments. Having at least basic email security in place and two-factor authentication is a must. The attacker will try to either obtain access to the email addresses of the influential people in the company or just impersonate them. 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 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. 2023 Sutton Bank Portions Copyright Kasasa, Ltd. All rights reserved. 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. 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.