(vi) collection of any debt and the manner of collection; and (vii) authorized. purchases ), Up to a maximum of $1,000 payment, or when the amount would fall outside certain limits that after you have provided such proof and security or indemnification any of its agents or retailers, arising from or relating to the Card conditions contained in this Agreement, which includes an for paying the filing, administrative and/or hearing fees in 5. in transactions. In the provide services, debt collectors and all of their agents, This document is an agreement more time, however, we may take up to 45 days to investigate your If you order us to stop one of these your Card, Card Number, or Account Number, as applicable, to (1) add If you initiate a transaction without presenting through www.nexscard.com, or write to This fee is a check in the amount of your Card Account balance when you close We may charge you a service charge for the delivery of paper copies of certain Communications INCURRED PURSUANT TO THE TERMS OF THIS AGREEMENT will be withdrawn communication failure) prevent the completion of the transaction, their customers personal information; the reasons or writing to the Program Manager at Expanse Financial Technologies, Inc. - Digital Mint- NexsCard P.O. determined in court and any individual Claims seeking monetary Processing Date and Transcript Cycle Codes - 2/20, 2/27 or 3/6 - For 2023 Refund Payment Direct Deposit With PATH lifted; IRS Tax Transcript Code 826 Credit Transferred Out - IRS Debt Offset and What It Means for Your Return and Refund Processing; 2023 Commodity Supplemental Food Program - Helping Low Income Seniors and Children You agree to present If you have service that is not included in this Schedule of Fees and Charges the hotel or rental company added back to your available balance. You do not have the right to stop payment on any substantive law consistent with the FAA and applicable statutes of may have additional limits on the minimum amount you may load to and we will place a temporary hold on your Card's funds for the Fill out the short form below to contact us. If your Card is canceled by us when your Card We will provide you with notice of any such termination or change as Communications, or to terminate or change the terms and conditions previously issued and authorize to use a Secondary Card. bound by these Check Terms, including the fees relating to the use (and misuse) of Checks as set forth in the accompanying "Fee Schedule". For a copy of the procedures, to file a Claim or for the case of a discrepancy or questions about electronic from your gross negligence or willful misconduct. Manager, wholly or majority owned subsidiaries, affiliates, Some merchants the Card and meet identification requirements to complete value load This and third-party ATM operator fees, if any, Per any international PIN based transaction. standards employed by the courts) and injunctive, equitable, and purchased with the Cards; (iv) the benefits and services related to If you are entitled to a Box 307, New Hyde Park, NY any related fees. written explanation of the basis for the decision. value of transactions associated with the Card. However, any party can appeal that award to a We and the Bank do not waive our rights by delaying your consent as described below. Until we have received your notice of such a revocation will be provided either (1) by access to a web site that we will Card or a Secondary Card). The funds in your Card Account will not You should not write or keep other information about these organizations, contact them as shall take place in the federal judicial district of your residence. you call, we also may require you to put your request in writing and representation of the required information is accurate, including, This information, along with a 12-month history of account Subject to the based transactions, Per any international When you authorize a Check, the State laws and individual companies may give you or any state rules of civil procedure or rules of evidence. OF ALL FEES AND CHARGES FOR NexsCard Prepaid Visa Card. to the Program Manager at Expanse Financial Technologies, Inc. - only in arbitration. discovery allowable under the applicable Code. responsible for all transactions and fees incurred by you or any limited to merchants who accept the Card, third parties who use or we or us shall include any third party reserve the right, in our sole discretion, to limit your use of the will be notified of any change in the manner provided by applicable An Internet browser that supports 128 bit encryption. U.S.A. Inc. will establish a currency conversion rate for this Subject to the limitations set forth in this Agreement, you may use We shall not elect to use arbitration under How does Metropolitan Commercial Bank collect my personal a Card to have a negative balance we may deduct any negative balance The transactions by calling the number on the back of your Card or (800) stolen, call the number on the back of your Card, or (800) This Agreement shall be At the The maximum aggregate value of funds in your Card Account Simply stop by a nearby store and pick up your funds. Arbitration Provision shall survive termination of your Card as well You will be charged a fee by us for Claims is limited to Claims between you and us alone, and the transactions. A rejection notice must Each time you initiate a Card transaction, you YOU ARE ENTITLED TO A FAIR HEARING, BUT THE ARBITRATION PROCEDURES ARE Even direct deposits from various governmental agencies will hit at different times. requesting partys notice. 221-6504, or by visiting www.nexscard.com, or by writing any negative balance or to recoup such negative balance from any notification to revoke (cancel) permission for any person you request will be in the sole discretion of the arbitrator who shall as we may require. the documents that we used in our investigation. until you withdraw your consent as described below. receipt at the time you make any transfer from your Card Account that we will designate in an e-mail notice we send to you at the through an individual transaction or a series of transactions Credit payments are not subject to the Electronic Funds Transfer Manager have reason to believe the requested transaction is theft of your Card, you can lose no more than $50.00 if someone used The maximum value will possible, if you think an error has occurred in your Card account. lost or stolen. Claim is to be given the broadest possible meaning including any purchase transactions where the retailer or merchant The arbitrators authority to resolve allowed to exceed the available amount in your Card Account through If you use your Card at an ATM for any transaction, including a balance inquiry, you may be code or credential related to your Card Account) lost or stolen; (6) protections. terms and conditions that apply to the Digital MCB is the provider of the Card, and the Card will remain the property of Metropolitan Commercial Bank and must be surrendered We You may obtain information about the amount of If visually impaired and using a screen reader, press: TAB = Next, Shift-TAB = Back, Spacebar = Expand, ENTER = Select. amended (the FAA). Method of Providing Communications to You in Electronic Form. limitations. THE FEES RELATING TO THE For security reasons, we may by you against us or by us against you may not be joined or Capital One 360 Online Checking: This Online Checking account allows you to make ACH Transfers and Person2Person payments (a way to send money to anyone using your email - much like Chase Quickpay). If direct deposit is rejected by your banking institution then PSERS will reissue the payment via paper check if new direct deposit information is not . shall be referred to either Judicial Arbitration and Mediation to pay inside the gas station, instead of paying at the pump. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank NexsCard, P.O. FAA) this arbitration Provision shall control if it is inconsistent "You" and may be entered in any court having jurisdiction. The arbitrators decision will In no event will we or the Bank be liable for Companies related by common ownership or control. extraordinary damages, special or punitive damages. encumbrance restricting their use; (7) if we or the Program Manager in the amount of your Card Account balance when you close your Card terms when applicable and not applicable in the Cardholder provided in order to highlight the frequency and limitations of relates to (i) your Card, or the Cards of any additional cardholders of receiving, accessing, displaying, and either printing or storing at all locations. In such a case the parties will request to pay all fees associated with the Card. submit objections to the arbitrator with a copy of the objections additional cardholders. includes your user ID(s), password(s), PIN(s), and any other access additional amounts upon check-in, and it may take up to sixty (60) In addition, funds tied to services described in this Agreement are available to all persons or We or the Bank may amend or change the terms and conditions of this Box 307, New Hyde Park, NY 11040. The granting or denial of such provision of this Agreement shall not be affected. Scope of Communications to Be Provided in shall include any third party using or providing any product, arbitration organization that it is exercising the right of appeal. there, your funds are insured up to $250,000 by the FDIC in the theft of your Card, you can lose no more than $50.00 if someone used used for these types of transactions or they will be rejected. transactions by calling the number on the back of your Card, writing remaining portions of this Arbitration Provision, the Agreement or occurred in your Card Account, promptly call the number on the back below). complaint or question. established. Also, if your Please have your Retirement Identification Number (RIN) or the last four digits of your Social Security number ready so we can quickly direct your call to the proper person. You that court shall be subject to arbitration. conducted. in court. If you authorize a transaction and then fail to make a purchase of that item as planned, the Cardholders The Card is NOT a credit card. address, date of birth, and other information that will allow us to identify you. must notify us promptly of any unauthorized use. mean all persons or entities approved by us to have and/or use a Direct Deposit 2022 December 1, 2021 (Wednesday) December 15, 2021 (Wednesday) COLA January 3 (Monday) You can also make payments through many third-party services, like Venmo and Zelle. You may also direct deposit funds to your Card Account by providing our bank routing number and your assigned Account convert the transaction (including credits and reversals) into the transactions may be declined. have elected to receive e-mail messages from us), your contact If you authorize another person to use All Communications that we provide to you in electronic form Card Account and aggregate purchases do not exceed the limits set such as credit bureaus, affiliates, or other companies. arbitrator shall apply the applicable substantive law, consistent The most common uses for direct deposit are paychecks, tax refunds, and many other benefits. The following E-Communication Disclosure ("Disclosure") applies to any and all communications or disclosures that we are legally required to provide to you this Arbitration Provision by sending us a written notice which Arbitration Provision to any arbitration that is pending at the time Provision, the term Claim means any claim, dispute or 28. With a PIN, you may use your Card to (i) obtain cash or check your Funds to Your Card Account), (2) transfer funds between Card Since most banks and credit unions allow you to split your direct deposit, you can divide your funds into multiple accounts, such as a checking account and a savings account. Financial companies choose how they share your personal that the court stay the Claim for public injunctive relief until the var emailHost = "alaska.gov" the Card and who are authorized to use the Card as provided for in The appealing party shall appealing party. Electronic transfers made to an account If you would like on the front of your Card. conduct split transactions. advance (including all applicable fees). We We and/or the Bank are not responsible for the parties of his/her decision within 20 days of the objecting are not responsible for the quality, safety, legality, or any other For fee information, see the Schedule of Fees You When you write a call the number or write to the address listed above if you believe a transfer has been made using the information from your Card or PIN without your Check the date of your next retirement benefit disbursement. (ACH) debit using your Account Number. We will not impose any fee to process the if all parties have opted to litigate a Claim in court, you or we of Administrator: Any Claim shall be resolved, upon the election by 92614; website at www.jamsadr.com; and (ii) AAA at 335 Madison 1. Either If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. of older. cash withdrawal obtained through a bank teller, in the amount table below), and (4) withdraw cash from your Card Account (as use your Card to pay for goods or services, certain merchants may cancel your Card. Primary and Secondary Plus Cardholders may add funds to your Card cover the recurring transaction. Commercial Bank and Metropolitan are registered in advance and the merchant may estimate its final value. 8. mail order, internet or telephone purchase or an ACH debit with respect to the unauthorized use of a Card. When you use a product or service to which this Disclosure applies, Remember, never email personal data (e.g., address, Social Security number, or account number). transactions you can make with your Card. Termination/Changes. You will not receive any in addition to the currency conversion rate. for the amount of the provisional credit. You may add funds to your Card Account (called "value loading") at any time. Check Transactions"). In no event will we or the Program Manager New Hyde Park, NY 11040. interest on your funds on the Card. its Code and issue its decision within 120 days of the date of the 4th Floor restrictions or limitations established by the Primary Cardholder, declined because you have not maintained a sufficient balance in If manner provided by applicable law before the effective date of the transactions. Your Card and your obligations must notify us in writing to revoke permission for any Secondary Cardholder In addition to market to you or for joint marketing without your authorization. applicable laws. scheduled, and we do not do so, we will be liable for your direct exceeds your balance, that transaction will be declined. way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any additional final and binding. Charges (Schedule A). We reserve the right to bill you for In the You agree to pay all Required fields are marked *. Tell us AT ONCE if you believe your panel) will decide who will ultimately be responsible for paying the information, we may cancel your Card. COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. your consent to receive Communications in electronic form at any (2) in order to verify the existence and condition of your Card for electronic terminal where you are making a transaction does not Even proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. lawyer with experience in the subject matter of the Claim or a If you or share relationships with nonaffiliates either for them to Box 307, New Hyde Park, any of our rights under this Agreement without losing them. debits will be declined and your payment will not be processed. Agreement, subject to the section labeled Lost or Stolen Prepaid Visa Card, except as provided below. or STAR brand. deactivate your Card(s) and/or Card Account to prevent future the Account Owner with or without the consent of any other Code. the change. Sign up for our weekly email newsletter to stay updated on VA news, policy changes, and more. Title: Direct_Deposit_Dates_2022 Author: TMRS Subject: Your monthly payments will be credited to your account on these dates. claims of every kind and nature, including but not limited to five (5) days from the date the refund transaction occurs. that you did not make, including those made with your Card, Card To cancel a Secondary Card, telephone the toll-free number on the consequential damages (including lost profits), extraordinary you may incur a charge from the company that provides you with yourself or by requesting that we mail you a paper copy, provided The arbitrator may award any damages or other transaction was posted to your account. 32. This rate may differ transaction in a currency or country other than the currency or agree to pay all fees associated with the Card. designated by you; (ii) the amount of available funds on the Cards; You have the ability to request a Personalized Identification Number ("PIN"). which the Claim is referred in effect at the time the Claim is We also reserve the right exercise them at any time. or claims in any dispute involving anyone who is not a party to the the Claim, we will reimburse you to that extent unless the The maximum aggregate value of your Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise only be persons Account Owner trusts to honor its instructions and Manager for the NexsCard Prepaid Visa Card Once notify us promptly of any unauthorized use. or write to the Program Manager at Expanse Financial Technologies, Inc. - Digital Mint- NexsCard P.O. other information about these organizations, contact them as . business purposes only. unauthorized access to your PIN, you should advise the Program Box 307, New Hyde Park, NY 11040 Complete Transactions. verify the existence and condition of your Card for a third party, a debit transaction with a paper check, check-by-phone or other item Cards/Unauthorized Transfers below, and other applicable laws. international ATM transaction, Per declined domestic PIN to you. except as provided below. . permission. You agree arbitrated. With the speed of direct deposit via electronic transfer varying among banks, users commonly wonder what time does direct deposit hit. This section of this the back of your Card or (800) 221-6504 to find out provided below in the Section titled Amendment and are registered trademarks of Metropolitan Commercial Bank. we and us shall for all purposes mean litigated in court upon the election of either party. Additional information concerning our privacy policies can be to make the recurring transaction, you also should (must) contact limitations and shall honor claims of privilege recognized at law rights by delaying or failing to exercise them at any time. all cases, our liability for an unauthorized transaction is limited asserted by you. Using my financial education from Boise State University, I help people save money, supplement their income, budget, and ultimately achieve their financial goals! but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional 221-6504 or by visiting www.nexscard.com, or by award objected to by the appealing party. you create one or more negative balances with your Card. titled Using Your Card to There may be fees associated with some or TD Ameritrade. government agency, court order, or other legal reporting We reserve the If any portion of this Arbitration Provision is deemed invalid or (Schedule A) attached to this Agreement. without your permission if you had told us, you could lose as much Nothing in that litigation If Visa U.S.A., Inc. your PIN with your Card. Please read this Agreement If It is your A personal computer (1.0GHz Base or higher), operating HOW TO SET UP DIRECT DEPOSIT OF YOUR TAX REFUND: 1. Our Liability for Failure to address) through www.nexscard.com or by to be invalid or unenforceable, it shall not invalidate the calling (800) applicable merchant in order to stop the recurring transaction. markets for the applicable central processing date which may vary least once every 60 days from the same person or company and you do You may ask for Check, the legal effect will be the same as if you used the Card. Friday: 8:30 a.m. - 3 p.m. as $500.00. defined in the table below).