PW_PayrollPlusNoPin_329773_TCv4_MoveMoney

PW_PayrollPlusNoPin_329773_TCv4_MoveMoney

List of all fees (“Long Form”) for Visa® Prepaid Payment or Mastercard® Prepaid Payment Card

 

All fees

Amount

Details

Monthly usage

Monthly fee

$0

There is no monthly fee for this card.

Add money

Direct deposit

$0

No fee charged. Funds loaded to the card by ACH.

Cash reload

$3.99

We do not charge this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice when reloading your card at reload or national or international remittance providers. This fee can be lower depending on how and where this card is used. Locations and additional details may be found at www.dashsolutions.com/cardholder.

 

Spend money

Signature Purchases

$0

Signature Purchase fee per transaction.

PIN Purchases

$0

PIN Purchase fee per transaction.

Bill payment

$0

No fee charged. Bill pay available when you log in to your account at MyDashCard.com. Regular bill pay transactions will be completed within 3 business days for electronic payments and within approximately 7 days if we have to mail a paper check to pay your bill.

Get cash

ATM withdrawal (in-network)

$0

  No fee charged. “In-network” refers to the surcharge free ATM Network. Includes ATM Cash Withdrawal at any ATM in the surcharge free ATM Network. Locations can be found at www.dashsolutions.com/cardholder.

ATM withdrawal (out-of-network)

$3.00

This is our fee. “Out-of-network” refers to all the ATMs outside of the surcharge free ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.

Over the Counter Cash Withdrawal at a Bank

$5.00

This is our fee. One (1) withdrawal per value load with no fee; then $5.00 each additional withdrawal. Over the counter withdrawal at a Visa or Mastercard sponsor bank.

Funds Transfer (other than via Cardless Cash Access at ATM)   

The lessor of 1.00% of transfer amount or $10.00

This is our fee. Fee assessed if funds are transferred via Direct to Debit Funds Transfer, Card to Account ACH Funds Transfer, or Check Funds.

Funds Transfer via Cardless Cash Access at ATM  

$3.50

This is our fee. Fee assessed if funds are transferred via Cardless Cash Access at ATM.

Information

ATM

balance inquiry

$1.00

  This is our fee. The fee applies to all “In-network” and “Out-of-network” ATM balance inquiry transactions.

ATM decline

$1.75

This is our fee. The fee applies to all “In-network” and “Out-of-network” ATM decline transactions. In accordance with state law, this fee will not be charged to cardholders who reside in a state that prohibits such fees.

Using your Card outside the U.S.

Foreign

Transaction Fee

$0.50 per transaction plus 1% surcharge

  This is our fee. Fee for International Purchases and Cash Withdrawals. $0.50 per transaction plus 1% surcharge of the U.S. dollar amount of each transaction.

International ATM withdrawal

$3.50

  This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.

International ATM balance inquiry

$1.00

  This is our fee. You may also be charged a fee by the ATM operator.

International

ATM decline

$1.75

This is our fee. You may also be charged a fee by the ATM operator. In accordance with state law, this fee will not be charged to cardholders who reside in a state that prohibits such fees.

Other

Inactivity

$4.95

  This is our fee. Fee assessed monthly after 180 days of no value loads or transactions. In accordance with state law, this fee will not be charged to cardholders who reside in a state that prohibits such fees.

Transaction and Balance Notification by Text Messaging

$0

No fee charged. Standard carrier rates may apply from your mobile phone service provider.

Secondary Card Request

$5.00

This is our fee. Ordering a secondary card
enabled for spend on the primary account. 
Fee applies per card with a maximum of one (1) secondary card allowed.

Lost/Stolen Replacement Card

$5.00

This is our fee. Per card fee for
Lost/Stolen Replacement cards.

Expedited Shipment of Card

$35.00

This is our fee. Optional fee to expedite
the shipping of the card.

Additional
Disclosures

Pursuant to state law, you are entitled to one withdrawal of your full wages per pay period at no charge by going to any participating Visa or Mastercard sponsor bank and presenting your card to withdraw funds.

Your funds are eligible for deposit insurance up to the applicable limits by the Federal Deposit Insurance Corporation (“FDIC”). Your funds will be held at Pathward®, National Association or placed by Pathward as custodian at one or more participating FDIC-insured banks (each a “Program Bank”). In the event the FDIC were to be appointed as a receiver for Pathward or a Program Bank, your funds, aggregated with any other funds you have on deposit at such institution, would be eligible to be insured up to $250,000 for each legal category of account ownership, subject to compliance with FDIC deposit insurance requirements. You are responsible for monitoring the total amount of all direct or indirect deposits held by you or for you with Pathward and the Program Banks for purposes of monitoring the amount of your funds eligible for coverage by FDIC insurance. To assist with calculating your FDIC deposit insurance coverage, the FDIC has an Electronic Deposit Insurance Estimator available at https://edie.fdic.gov. For more information, see also https://www.fdic.gov/deposit/deposits/prepaid.html.

No overdraft/credit feature.

Contact Customer Service by calling 1-833-848-5768, by mail at Cardholder Services, P.O. BOX 7235 SIOUX FALLS, SD 57117-7235, or visit MyDashCard.com.

For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

 

Visa Prepaid Payment Card / Mastercard Prepaid Payment Card Cardholder Agreement

CUSTOMER SERVICE CONTACT INFORMATION:

Address:                     Cardholder Services, P.O. BOX 7235 SIOUX FALLS, SD 57117-7235

Website:                      MyDashCard.com

Phone Number:              1-833-848-5768

IMPORTANT NOTICES:

(1)    PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.

(2)   ALWAYS KNOW THE EXACT DOLLAR AMOUNT AVAILABLE ON THE CARD.  MERCHANTS MAY NOT HAVE ACCESS TO DETERMINE THE CARD BALANCE.

(3)   BY ACCEPTING, SIGNING, OR USING THIS CARD, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS CONTAINED IN THIS AGREEMENT.

(4)  IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE CARD.  CANCEL THE CARD BY CALLING CUSTOMER SERVICE AND REQUESTING A REFUND CHECK, IF APPLICABLE.

(5)   BY USING THIS CARD, YOU ARE ALSO AGREEING TO PATHWARD, NATIONAL ASSOCIATION’S PRIVACY POLICY (ATTACHED). PROGRAM MANAGERS MAY HAVE DIFFERENT PRIVACY PRACTICES, SO IT IS IMPORTANT YOU REVIEW THEIR POLICY AS WELL, IF APPLICABLE.

This Cardholder Agreement (“Agreement”) sets forth the terms and conditions under which the Visa Prepaid Payment / Mastercard Prepaid Payment Card (“Card”) has been issued to you by Pathward®, National Association.  “You” and “your” means the person or persons who have received and are authorized to use the Card as provided for in this Agreement. “We,” “us,” and “our” mean collectively, Pathward, National Association, a federally chartered bank, member FDIC, and
its divisions or assignees, and also includes, unless otherwise indicated, our Program Manager.  “Program Manager” refers to Prepaid Technologies Company, Inc., d/b/a Dash Solutions, who performs certain services related to your Card on Pathward, National Association’s behalf.  “Employer” means the company who has directly or indirectly established this Card for purposes of transferring wages, salary, or other employee compensation. The Card is nontransferable, and it may be canceled at any time without prior notice subject to applicable law.  Please read this Agreement carefully and keep it for future reference. Your full fee schedule, otherwise known as the “Long Form,” is attached to and considered part of this Agreement.

1.    ABOUT YOUR CARD

Your Card is a prepaid card, which allows you to access funds loaded to your Card account. You should treat your Card with the same care as you would treat cash.  We encourage you to sign your Card when you receive it. This Card is intended for personal, family, or household use and not intended for business purposes. Your Card account does not  constitute a checking or savings account and is not connected in any way to any other account you may have.  The Card is
not a gift card, nor is it intended to be used for gifting purposes.  The Card is not a credit card.  You will not receive any interest on the funds in your Card account.  We may close your Card or refuse to process any transaction that we believe may violate the terms of this Agreement or represents illegal or fraudulent activity.  You are responsible for notifying us immediately upon any change to your address, phone number, or email address.  If your address changes to a non-US address, we may cancel your Card and return funds to you in accordance with this Agreement.

Pathward, N.A. will act as custodian of your funds upon its receipt of your funds. Once your Card is activated, you will be able to provide Pathward, as custodian, with instructions about the funds accessible through the Card. Activation of the Card authorizes us to hold your funds at Pathward or as custodian to place your funds at one or more participating FDIC-insured banks (each a “Program Bank”). Visit www.pathwardprogrambanks.com to find the most up-to-date list of Program Banks. If you do not agree to your funds being held by us at Pathward or placed by Pathward as custodian at other Program Banks, please immediately transfer or spend all the funds on your Card [or contact Customer Service above to cancel the Card and request your funds in the form of a paper check at no charge]. For more information on FDIC deposit insurance limits and related conditions, please refer to the [Long Form] section at the [beginning] of this Agreement.

2.             VERIFYING YOUR CARD

Important information for opening a Card account:  To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card. 

What this means for you:  When you request a Card, we may ask for, or your Employer may provide us with, your name, street address, date of birth,
and other information that will allow us to identify you.  We may also ask to see a copy of your driver’s license or other documents at any time.  You may be limited in use and features until you have been successfully verified.

Eligibility and Activation:  To be eligible to use and activate the Card, you represent and warrant to us that: (i) you are at least 18 years of age; (ii) the personal information provided to us is true, correct and complete; (iii) you have read this Agreement and agree to be bound by and comply with its terms.

3.             UNAUTHORIZED TRANSACTIONS

a.      Contact in Event of Unauthorized Transfer

If you believe your Card has been lost or stolen, call or write Customer Service IMMEDIATELY at the contact information found at the beginning of this Agreement.

b.      Your Liability for Unauthorized Transactions

Tell us AT ONCE if you believe your Card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Calling Customer Service is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within 2 business days after you learn of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.

Also, if your electronic history shows transfers that you did not make, including those made by your Card or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your account (if the unauthorized transfer could be viewed in your electronic history), or the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us,
we will extend the time periods. 
Your Card may have some additional protections against unauthorized use:

Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions on your Mastercard-branded Card is $0.00 if you notify us promptly upon becoming aware of the loss or theft, and you exercised reasonable care in safeguarding your Card from loss, theft, or unauthorized use.  This policy limiting
your liability does not apply to debit transactions not processed by Mastercard, certain commercial transactions, or unregistered cards.

Visa Zero Liability policy covers U.S.-issued Visa-branded Cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, certain commercial card transactions, or unregistered cards. You must notify us promptly of any unauthorized use. For additional details visit www.visa.com/security.

c.      Business Days

For purposes of this Agreement, our business days are Monday through Friday, excluding Federal holidays. Customer Service hours may differ.

4.             USING YOUR CARD

a.      Accessing and Loading Funds

Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction and applicable fees.  If you use your Card number without presenting your Card (such as for an internet transaction, a mail order or a telephone purchase), the legal effect will be the same as if
you used the Card itself. You may use your Card to purchase or lease goods or services wherever your Card is honored as long as you do not exceed the value
available in your Card account.

Your Card can also be used to:

 (1)          load funds to your Card account; 

(2)        pay bills directly [by telephone] from your Card account. 

You CANNOT use your Card to: (i) exchange your Card for its cash value; (ii) perform any illegal transactions; (iii) use the bank routing number and account number to make a debit transaction with any item processed as a check (these debits will be declined and your payment will not be processed); or (iv) make business-related transactions. In addition, YOU ARE NOT PERMITTED TO EXCEED THE AVAILABLE AMOUNT IN YOUR CARD ACCOUNT THROUGH AN INDIVIDUAL TRANSACTION OR A SERIES OF TRANSACTIONS.  Nevertheless, if a transaction exceeds the balance of the funds available in your Card account, you will remain fully liable to us for the amount of the transaction and agree to pay us promptly for the negative balance. If your Card has a negative balance, any deposits will be used to offset the negative balance.  We may also use any deposit or balance on another Card you have with us to offset a negative balance on this Card.

Loading the Card account: Your employer may add funds to your Card, called “loading,” by Automated Clearing House (“ACH”) loads (e.g., direct deposit). You may also add funds to your Card through: (i) ACH loads; (ii) Loading cash through Visa ReadyLink (a list is available at https://apps.usa.visa.com/slocators/get-a-card.jsp?filter=readylink or Mastercard rePower https://www.mastercard.us/en-us/personal/get-support/reload-a-prepaid-card.html); (iii) remote check deposit via Ingo.  See the Limits table below for limitations on amount and frequency for different load methods. Each load may be subject to a fee as set out in the Long Form.  If you arrange to have funds transferred directly to your Card 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. The only federal payments that may be loaded to your Card via ACH credit are federal payments for the benefit of the primary cardholder.  If you have questions about this requirement, please call Customer Service. Certain types of loads may be rejected if they exceed the limits disclosed below. You agree to present your Card and meet identification requirements to complete load transactions as may be required from time to time.

Split Transactions: If you do not have enough funds available in your Card account, you may be able to instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with another form of payment.  These are called “split transactions.”  Some merchants do not allow cardholders to split transactions or will only allow you to do a split transaction if you pay the remaining amount in cash. 

b.      Funds Transfers

You may use the Funds Transfer option on the website and/or within the mobile application made available to you through which you may obtain information
regarding, and otherwise manage, your Card account (the “Online Account Center” or “OAC”) to direct that funds be transferred from your Card account to an account you own or to a check payable to you.. Please Note: Message and data charges may apply from your wireless service provider when using the OAC. Funds Transfers, as available in the OAC, may be made via Direct to Debit Funds Transfer, Card to Account ACH Funds Transfer, Check Funds Transfer, Cardless Cash Access at ATM or additional service(s) made available to you  (collectively, a “Funds Transfer”).

Each time you make a Funds Transfer or request a check for a Check Funds Transfer or use Cardless Cash Access at ATM, you will be charged a Funds Transfer Fee as provided in the Long Form above. If you believe there has been an error with the Funds Transfer service, please contact Customer Service. 

(i)     Direct to Debit
Funds Transfers
. You may direct that funds be transferred from your Card account to an Eligible Debit Card (each, a “Direct to Debit Funds Transfer
or D2D Funds Transfer”). An “Eligible  
Debit Card” means an account you own and hold at a U.S. financial institution associated with a debit card into which a D2D Funds Transfer may be made. With D2D Funds Transfers, funds will be transferred to your designated Eligible Debit Card typically within minutes but could take up to 1 to 2 business days in certain circumstances. D2D Funds Transfers are irreversible. We do not control and are not responsible for any delays by the issuer of your Eligible Debit Card in processing or making available transferred funds. You will be responsible and liable for any D2D Funds Transfer that is later invalidated for
any reason, including due to a claim, reversal, or a chargeback.  

(ii)    Card to Account ACH Funds Transfers. You may direct that funds be transferred from your Card account via ACH transfer to an account you own (each, a “Card to Account ACH Funds Transfer or ACH Funds Transfer”). ACH Funds Transfers normally take up to 2 business days to complete. We do not control and are not responsible for any delays by the financial institution holding your account to which funds are transferred, in processing or making available transferred funds. You will be responsible and liable for any ACH Funds Transfer that is later invalidated for any reason, including due to a claim, reversal, or a chargeback. 

(iii)    Check Funds Transfers. You may request and obtain from us checks drawn on your Card account and made payable to you (each, a “Check Funds Transfer”). You will be charged a Funds Transfer Fee as provided in the Long Form above for each request for a Check Funds Transfer, even if you do not deposit the check you receive from us.  

(iv)  Cardless Cash Access at ATM In addition to being able to withdraw funds from your Card account using your Card at ATMs, you may direct that funds from your Card account be made available for withdrawal at a designated ATM  (each, a “Cardless Cash Access at ATM”).  With Cardless Cash Access at ATM, funds will be available at a service-enabled ATM machine typically within minutes using a text message with an ATM locator and an authorization code input into the ATM machine.  

c.      Limits

Load, Withdrawal and Spend
Limits*

Load
Limitations

Limit

Maximum Card balance at any
time

$15,000.00

Total number of times your
Employer can reload your Card

Unlimited  

Total number of times you can
reload your Card

Unlimited  

Maximum ACH credit (direct
deposit per load)

$10,000.00 per day

Maximum cash load via Visa
ReadyLink or Mastercard rePower

$2,500.00 per day

Maximum load via Ingo

$2,500.00 per day

Withdrawal
Limitations

Limit

Maximum Domestic U.S. ATM withdrawal
per day

$1,000.00 per day

Maximum International ATM
withdrawal

$500.00 per day

Maximum cash back at point of
sale

$500.00 per day

Maximum Over the Counter Cash
Withdrawal at a Bank

$2,500.00 per day

Funds Transfer

$2,500.00 per day

Spend
Limitations

Limit

Maximum amount in Point of Sale
Signature and Point of Sale PIN Transactions

$5,000.00 maximum spend per day

Maximum amount in International
Point of Sale Signature and Point of Sale PIN Transactions

$5,000.00 maximum spend per day

*Limits are set for your
protection; however, you may access all funds on your card at no charge by
contacting Customer Service directly. Third parties may impose additional
limitations.

d.    Foreign Transactions

If you obtain your funds (or make a purchase) in a currency or country other than the currency or country in which your Card was issued (“Foreign Transaction”), the amount deducted from your funds will be converted by the network or card association that processes the transaction into an amount in the currency of your Card.  The rate they choose is either: (i) selected from the range of rates available in wholesale currency markets (which may vary from the rate the association itself receives), or (ii) the government-mandated rate in effect for the applicable central processing date.  The conversion rate selected by the network is independent of the Foreign Transaction fee that we charge as compensation for our services.  You will be charged a Foreign Transaction fee in U.S. dollars equal to $0.50 per transaction plus 1% surcharge on the total amount of the transaction.  If the Foreign Transaction results in a credit due to a return, we will not refund any Foreign Transaction Fee that may have been charged on your original purchase.

e.      Secondary Cards

You may authorize up to 1 (one) additional Cards, called Secondary Cards. These Cards will access funds in your main Card account. Secondary cardholders may register their Cards in their name. Secondary cardholders may be subject to verification. Use of Secondary Cards is subject to the same restrictions on your Card, and we may hold you and/or any Secondary Cardholders liable for misuse of the Secondary Cards.

5.             CONFIDENTIALITY

We may disclose information to third parties about your Card account or the transactions you make: 

(1)          Where it is necessary for completing transactions;

(2)        In order to verify the existence and condition of your Card account for a third party, such as merchant;

(3)        In order to comply with government agency or court orders, or other legal reporting requirements;

(4)         If you give us your written permission;

(5)        To our employees, auditors, affiliates, service providers, or attorneys as needed; or

(6)     As otherwise necessary to fulfill our obligations under this Agreement.

6.             DOCUMENTATION

a.      Receipts

You may be able to get a receipt at the time you make any transfer to or from your account using an ATM or point-of-sale terminals. You may need a receipt in order to verify a transaction with us or the merchant. 

b.      Account History and Balance

You may obtain information about your Card balance by calling Customer Service. This information, along with a 12–month history of account transactions, is also available online at the Website mentioned above.

You also have the right to obtain at least 24 months of written history of account transactions by calling or by writing Customer Service. You will not be charged a fee for this information unless you request it more than once per month.

7.         TRANSACTIONS AND PREAUTHORIZED TRANSFERS

a.    Right to stop payment and procedure for doing so

If you have told us in advance to make regular payments out of your Card account, you can stop any of these payments.  Call or write to Customer Service with the contact information located at the beginning of this Agreement in time for us to receive your request three business days or more before the payment is scheduled to be made.  If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.  

b.      Notice of varying amounts

If these regular payments vary in amount, the person you are paying should tell you, at least 10 days before each payment, when it will be made and how much it will be.

c.      Liability for failure to stop payment of preauthorized transfer

If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

d.      Our liability for failure to complete transactions

If we do not complete a transaction to or from your Card account on time or in the correct amount according to our Agreement with you, we will be liable for your losses and damages proximately caused by us.  However, there are some exceptions.  We will not be liable, for instance: 

(1)          If, through no fault of ours, you do not have enough funds available in your Card account to complete the transaction; 

(2)        If a merchant refuses to accept your Card; 

(3)        If an ATM where you are making a cash withdrawal does not have enough cash; 

(4)         If an electronic terminal where you are making a transaction does not operate properly and you knew about the problem when you initiated the transaction;  

(5)        If access to your Card has been blocked after you reported your Card or PIN lost or stolen;  

(6)        If there is a hold or your funds are subject to legal process or other encumbrance restricting their use; 

(7)         If we have reason to believe the requested transaction is unauthorized; 

(8)        If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or 

(9)        For any other exception stated in our Agreement with you.

e.      ATM Fees

When you use an ATM not owned by us, you may be charged a fee by the ATM operator (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

f.      Preauthorized Credits

If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit should tell you every time they send us the money. You can call Customer Service to find out whether or not the deposit has been made.

g.      Authorization Holds

With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Card may be “preauthorized” for an amount greater than the transaction amount to cover gratuity or incidental expenses.  Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase.  Once the final payment amount is received, the preauthorization amount on hold will be removed.  During this time, you will not have access to preauthorized amounts.  If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds.

8.             ERROR RESOLUTION PROCEDURES

In Case of Errors or Questions about Your Prepaid Account: Call or write Customer service at the Phone Number, Address, or Website mentioned above as soon as you can, if you think an error has occurred in your prepaid account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us Customer Service. You will need to tell us:

(1)          Your name and prepaid account or Card number.

(2)        Why you believe there is an error, and the dollar amount involved. 

(3)        Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call Customer Service or visit our Website.

9.             ADDITIONAL TERMS OF THE AGREEMENT

a.      Personal Identification Number (“PIN”)

You will receive a Personalized Identification Number (“PIN”) when activating your card. You should not write or keep your PIN with your Card.  Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious.  If you believe that anyone has gained unauthorized access to your PIN, you should contact Customer Service immediately.

b.      Returns and Refunds

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 the merchant credits your Card, the credit may not be immediately available.  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.  We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.

c.      Card Replacement and Expiration

If you need to replace your Card for any reason, please contact Customer Service. See Long Form for applicable fees.  Please note that your Card has a “Valid Thru” date on the front of the Card. You may not use the Card after the “Valid Thru” date on the front of your Card.  However, even if the “Valid Thru” date has passed, the available funds on your Card do not expire.  You will not be charged a fee for replacement cards that we send due to expiration of the Card.

d.      Authorized Users

If you allow another person to use the Card, you will be responsible under this Agreement for all transactions made by that person, regardless of whether you intended to be responsible for all of them, as well as all associated fees and charges, even if any of those transactions, fees or charges caused your balance to go negative. 

e.      Communications

You agree that we may monitor and record any calls or other communications between us and you. You also agree that we or our service providers may contact you with any contact information you provide to us, including cellular and wireless phone numbers, landline numbers, and email addresses. You also agree that we or our service providers may contact you by using an automated dialing or email system, by text, or artificial or recorded voice. You agree to pay any service charges assessed by your plan provider for communications we send or make to you or that you send or make to us.

10.            LEGAL NOTICES

a.      English Language Controls

Translations of this Agreement that may have been provided are for your convenience only and may not accurately reflect the original English meaning.  The meanings
of terms, conditions, and representations herein are subject to definitions and interpretations in the English language.

b.      Account
Closure

You may close your Card at any time by contacting Customer Service.  Your request for Card closure will not affect any of our rights or your obligations arising under this Agreement prior to the request.  Should your Card account be closed, we will issue you a credit for any unpaid balances, subject to fees as disclosed in the Long Form. We reserve the right to close your Card account should you complete or attempt to complete any of the prohibited actions in this Agreement.

c.      Assignability

You may not assign or transfer your Card or your obligations under this Agreement. We may, however, transfer or assign our rights under this Agreement, including any balances in your Card account. If we assign our rights, you will get a notification from us.

d.      Legal Process

We will comply with any state or federal legal process, including, without limitation, any writ of attachment, adverse claim, execution, garnishment, tax levy, restraining order, subpoena or warrant we believe to be legally valid relating to you or your Card. You agree that we will honor valid legal process that is served personally, by mail, or by facsimile upon us. You agree that we will have no liability to you for honoring any such legal process. You also agree that you be obligated to assert any claims of exemption you may have under state or federal law and that we will have no obligation to assert the same on your behalf except to the extent required under federal law. We will enforce our right of setoff and security interest
against any of your Card accounts in order to reimburse us for any sums owed to  us. We may refuse to permit withdrawals or transfers from your account until such legal process is satisfied or dismissed, even if such action results in insufficient funds to satisfy an obligation you may have incurred.  You agree to release and indemnify, defend and hold us harmless from all actions, claims, liabilities, losses, costs and damages including, without limitation, attorneys’ fees, associated with our compliance with any legal process.  When we receive an order instructing us to restrict access to funds in a Card account, we may remove the funds from the account and maintain them separately.

e.      Other Terms

You will be notified of any change to this Agreement in the manner required by applicable law prior to the effective date of the change.  However, if the change is made for security purposes, we can implement such change without prior notice. We do not waive our rights by delaying or failing to exercise them at any time (for example, assessing a fee less than described, or not all, for any reason does not waive our right to begin charging the fee as set forth in this Agreement without notice).  If any provision of this Agreement is 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 will not be affected.  This Agreement will be governed by the law of the state of South Dakota (without regard to the laws  regarding conflicts of laws) except to the extent governed by federal law. With the exception of disputes subject to the Arbitration Clause below, any disputes relating to this Agreement shall be subject to the exclusive jurisdiction and venue of the federal and state courts located in the state of South Dakota. You acknowledge and agree that we shall have a right of setoff to apply the funds in your Card Account to any debt that you owe to us.  You further grant us a security interest in all of your funds in our possession as collateral for any sums that you owe us under this Agreement. Should your Card have a remaining balance after a certain period of inactivity, we may be required to remit the remaining funds to the appropriate state agency.

11.     JURY TRIAL WAIVER YOU AND WE ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A CONSTITUTIONAL RIGHT BUT MAY BE WAIVED IN CERTAIN CIRCUMSTANCES.  TO THE EXTENT PERMITTED BY LAW, YOU AND WE KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF LITIGATION ARISING OUT OF OR RELATED TO THIS AGREEMENT.  THIS JURY TRIAL WAIVER WILL NOT AFFECT OR BE INTERPRETED AS MODIFYING IN ANY FASHION THE ARBITRATION CLAUSE SET FORTH IN THE FOLLOWING SECTION, WHICH CONTAINS ITS OWN JURY TRIAL WAIVER. 

12.     ARBITRATION CLAUSE

We have put this Arbitration Clause in question and answer form to make it easier to follow. However, this Arbitration Clause is part of this Agreement and is legally binding. For purposes of this section, our “Notice Address” is: Pathward, N.A., Attn: Customer Service, 5501 S Broadband Ln, Sioux Falls, SD 57108.

 

Background and Scope

Question

Short Answer

Further Detail

What is
arbitration?

An alternative to court

In arbitration, a third-party arbitrator
(“Arbitrator”) solves Disputes in an informal hearing on an individual basis.

Is it different
from court and jury trials?

Yes

The hearing is private. There is no jury. It is
usually less formal, faster and less expensive than a lawsuit. Pre-hearing
fact finding is limited. Appeals are limited. Courts rarely overturn
arbitration awards.

Can you opt-out
of this Arbitration Clause?

Yes, within 60 days

If you do not want this Arbitration Clause to apply,
you must send us a signed notice within 60 calendar days after you purchase
the Card. You must send the notice in writing (and not electronically) to our
Notice Address. Provide your name, address and Card number. State that you
“opt out” of the Arbitration Clause. Opting out will not affect the other
provisions of this Agreement.

What is this
Arbitration Clause about?

The parties’ agreement to arbitrate Disputes

Unless prohibited by applicable law and unless you opt out, you and we agree that you or we may elect to individually arbitrate or require individual arbitration of any “Dispute” as defined below.

Who does the
Arbitration Clause cover?

You, us and certain “Related Parties”

This Arbitration Clause governs you and us. It also covers certain “Related Parties”: (1) our parents, subsidiaries and affiliates; (2) our employees, directors, officers, shareholders, members and representatives; and (3) any person or company that is involved in a Dispute you pursue at the same time you pursue a related Dispute with us.

What Disputes
does the Arbitration Clause cover?

All Disputes (except certain Disputes about this
Arbitration Clause)

This Arbitration Clause governs all “Disputes” that would usually be decided in court and are between us (or any Related Party) and you. In this Arbitration Clause, the word “Disputes” has the broadest reasonable meaning. It includes all claims even indirectly related to your Card or this Agreement or the relationships between you and us and/or “Related Parties” resulting therefrom, including but not limited to, initial claims, counterclaims, cross-claims, third-party claims, and claims based on any constitution, statute, regulation, ordinance, common law rule (including rules relating to contracts, torts, negligence, fraud or other intentional wrongs) and equity. It includes claims that seek relief of any type, including damages, and/or injunctive, declaratory, or other equitable relief. It includes claims related to the validity in general of this Agreement. However, it does not include disputes about the validity, coverage or scope of this Arbitration Clause or any part of this Arbitration Clause. (This includes a Dispute about the rule against class arbitration.) All such disputes are for a court and not an Arbitrator to decide.

Who handles the
arbitration?

Usually AAA or JAMS

Arbitrations are conducted under this Arbitration Clause and the rules of the arbitration administrator in effect when the arbitration is started. However, arbitration rules that conflict with this Arbitration Clause do not apply. The arbitration administrator will be either:  

The American Arbitration Association (“AAA”), 120 Broadway, 21st Floor,

New York, NY 10271.  

www.adr.org 

 JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, 

www.jamsadr.com 

Any other company picked by agreement of the parties.  If all the above options are unavailable, a court

will pick the administrator. No arbitration may be administered without our
consent by any administrator that would permit a class arbitration under this
Arbitration Clause. The arbitrator will be selected under the administrator’s
rules. However, the arbitrator must be a lawyer with at least ten years of
experience or a retired judge unless you and we otherwise agree.

Can Disputes be
litigated?

Sometimes

Either party may bring a lawsuit if the other party does not demand arbitration. Also, any individual claim(s) by you or us in which the amount in controversy (exclusive of attorneys’ fees and costs if applicable law so provides) is properly within the jurisdiction of a small-claims court may be removed to small-claims court at the election of the opposing party by providing notice within 21 days of receiving the arbitration demand from the other party; however, if that action is
transferred, removed or appealed to a different court, a party may elect
arbitration. 
Even if all parties have opted to litigate a Dispute in court, you or we may elect arbitration with respect to any Dispute made by a new party or any Dispute later asserted by a party in that lawsuit or in any related or unrelated lawsuit (including a Dispute initially asserted on an individual basis but modified to be asserted on a class, representative, or multi-party basis).  Nothing in that

litigation shall constitute a waiver of any rights under this Arbitration Clause.

Are you giving
up any rights?

Yes

For Disputes subject to this Arbitration Clause, you and we give up your rights to: 

1.            Have juries decide Disputes. 

2.           Have courts, other than small-claims courts, decide Disputes.

3.           Serve as a private attorney general or in a representative capacity in court or in arbitration.

4.           Join a Dispute that you, we, or Related Parties have with a dispute that others  have. 

5.           Bring or be a class member in a class action in court or in a class arbitration. The Arbitrator shall have no authority to conduct any arbitration inconsistent with this section or to issue any relief that applies to any person or entity except you or us or Related Parties individually.

Can you or
another consumer start a class arbitration?

No

The Arbitrator is not allowed to handle any Dispute on a class or representative basis. All Disputes subject to this Arbitration Clause must be decided in an individual arbitration or an individual small-claims action. You may not pursue any type of collective action or class action against us in arbitration.

What law  applies?

The Federal Arbitration Act (“FAA”)

This Agreement and the Cards involve interstate commerce. Thus, the FAA governs this Arbitration Clause. The Arbitrator must apply substantive law consistent with the FAA. The Arbitrator must honor statutes of limitation and privilege rights The Arbitrator is authorized to award all remedies permitted by applicable substantive law, including, without limitation, compensatory, statutory and punitive damages (subject to constitutional limits that would apply in court), declaratory, injunctive and other equitable relief, and attorneys’ fees and costs.  In the event of any conflict or inconsistency between this Arbitration Clause and the administrator’s rules or the Agreement, this Arbitration Clause will govern.

Will anything I do make this Arbitration Clause ineffective?

No

This Arbitration Clause stays in force even if: (1) you or we end this Agreement; or (2) we transfer or assign our rights under this Agreement or (3) a party files for bankruptcy (if bankruptcy law permits).

Process.

What must a
party do before starting a lawsuit or arbitration?

Send a written Dispute notice and work to resolve the
Dispute

Before starting a lawsuit or arbitration, the
complaining party must give the other party written notice of the Dispute.
The notice must explain in reasonable detail the nature of the Dispute and
any supporting facts. If you are the complaining party, you must send the
notice in writing (and not electronically) to our Notice Address. You or an
attorney you have personally hired must sign the notice and must provide the
Card number and a phone number where you (or your attorney) can be reached. A letter from us to you will serve as our written notice of a Dispute. Once a Dispute notice is sent, the complaining party must give the other party a
reasonable opportunity over the next 30 days to resolve the Dispute on an
individual basis.

How does an
arbitration start?

Mailing a notice

If the parties do not reach an agreement to resolve the Dispute within 30 days after notice of the Dispute is received, the complaining party may commence a lawsuit or an arbitration, subject to the terms of this Arbitration Clause. To start an arbitration, the complaining party picks the administrator and follows the administrator’s rules. If one party begins or threatens a lawsuit, the other party can demand arbitration. This demand can be made in court papers, such as a motion to compel arbitration. Once an arbitration demand is made, no lawsuit can be brought and any existing lawsuit must stop unless a court rules otherwise.

Will any hearing
be held nearby?

Yes

The Arbitrator may decide that an in-person hearing is unnecessary and that he or she can resolve a Dispute based on written filings and/or a conference call. However, any in-person arbitration hearing must be held at a place reasonably convenient to you.

What about
appeals?

Very limited

Appeal rights under the FAA are very limited. The Arbitrator’s award will be final and binding. Any appropriate court may enter judgment upon the arbitrator’s award.

Arbitration Fees and Awards.

Who bears
arbitration fees?

Usually, we do.

We will pay all filing, administrative, hearing and Arbitrator fees if you act in  good faith, cannot get a waiver of such fees, and ask us to pay. We will always pay amounts required under applicable law or the administrator’s rules.

When will we
cover your legal fees and costs?

If you win

If you win an arbitration, we will pay the reasonable fees and costs for your attorneys, experts and witnesses. We will also pay these amounts if required under applicable law or the administrator’s rules or if payment is required to enforce this Arbitration Clause. The Arbitrator shall not limit his or her award of these amounts because your Dispute is for a small amount.

Will you ever
owe us for arbitration or attorneys’ fees?

Only for bad faith

The Arbitrator can require you to pay our fees if (and only if): (1) the Arbitrator finds that you have acted in bad faith (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)); and (2) this power does not make this Arbitration Clause invalid.

Can an award be
explained?

Yes

A party may request details from the Arbitrator, within 14 days of the ruling.  The
Arbitrator will determine whether to grant such request.

What happens if
a part of this Arbitration Clause cannot be enforced?

It depends

If any portion of this Arbitration Clause cannot be enforced, the rest of the Arbitration Clause will continue to apply, except in two instances.  First, if a court rules that the Arbitrator can decide a Dispute on a class basis and that
ruling is not reversed on appeal, then this entire Arbitration Clause (except for this sentence) will be void.  Second, if a claim is brought seeking public injunctive relief and a court determines that the restrictions in this Arbitration Clause prohibiting the Arbitrator from awarding relief on behalf of third parties are
unenforceable with respect to such claim (and that determination becomes
final after all appeals have been exhausted), then the claim for public injunctive relief will be determined in court and any individual claims seeking monetary relief will be arbitrated.  In such a case, the parties will request that the court stay the claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court.  In no event will a claim for public injunctive relief be arbitrated.

 

Prepaid card is issued by Pathward, National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Prepaid card is issued by Pathward, National Association, Member FDIC, pursuant to license by Mastercard International Incorporated.

© 2018- 2024  Pathward, National Association

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