The Troubleshooters have received reports from other consumers in the Delaware Valley about Cash App cards issued by Sutton Bank. IMPORTANT PLEASE READ CAREFULLY. SUTTON BANK PREPAID RULE SHORT FORM DISCLOSURE, Fees associated with your Majority Prepaid Visa Card, 2. Amendment, Suspension and Cancellation. Tried to use at Ann Taylor in Potomac Mills Mall, Woodbridge at 11:14am and told balance was only 1.44. Issue cards that think and serve your customers in a whole new way. However, there are some exceptions. Encourage employees to challenge suspicious requests. Sutton bank is the service provider for CA, so if you do an ACH transfer into your CA account, that is legit, go to the account info for your CA routing# / account# that is your "back end" Sutton account. 1. The employees are targeted in order to obtain personally identifiable information (PII) or tax statements of employees and executives, important data that can be used in future attacks. 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. Complimentary insurances. Annual rate from 6.99 % p.a. 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. ACH transactions and wire transfers are the fastest way to move funds to another business, person, or other recipient. . IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. Such software is readily available online from a variety of vendors. 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. Program management. This type of scam usually targets employees from the HR and bookkeeping departments. 55 day interest-free period on all purchases. Although it may seem obvious, human error is responsible for 95% of effective cyber-attacks. The attackers pretend to be suppliers requesting fund transfers for payments to an account owned by fraudsters. The Visa Gift Card can be used everywhere Visa debit cards are accepted in the US. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. Managers should bear in mind that hackers dont just break into the IT department by sheer force; they look for weaknesses. Those types of cards are issued by two parties: a bank and a non-financial entity ( for example a retail merchant). The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. *When consolidating purchase volume processed through Marqetas platform in 2019. Any organization requires effective communication. 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. Cyber-attacks are a growing threat for small businesses and the U.S. economy. Visa Business credit cards. You will not receive any interest on your funds in the Card Account. The funds subject to the hold will not be available to you for any other purpose until the merchant sends us the final transaction amount. Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. It is important to know your available balance before making any transaction. 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. . Find out more. If we are unable to contact you, we may be required to transfer any funds remaining with respect to your Card to state government authorities as unclaimed property. Crypto cards. If you do not promptly add sufficient funds to your Card Account to cover the negative balance, in addition to any other remedies or actions, we may cancel your Card and Card Account and pursue collection. The Department of Homeland Securitys"Stop.Think.Connect" campaignoffers training and other materials. You and we will have every remedy available in arbitration as you and we would have from a court and will be entitled to reasonable discovery. According to a recent SBA survey, 88% of small business owners felt their business was vulnerable to a cyber-attack. Read More Business Details. The Card is not a device that accesses money in an individual checking or savings account. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. PIN and Non-PIN Transactions: Merchants may limit the available options for the type of transaction you wish to conduct or may let you choose between a PIN (Debit) transaction or a signature (Credit) transaction at the point of sale. 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. You and your mean the person who have received the Card and is authorized to use the Card as provided for in this Agreement. Earn cashback rewards on eligible purchases with no cap. Malware (malicious software) is an umbrella term that refers to software intentionally designed to cause damage to a computer, server, client, or computer network. Applicable law may require us to report to state government authorities any funds remaining with respect to your Card after a certain period of inactivity. Please contact your product specialist for further information. Cyber Resilience ReviewThe Department of Homeland Securitys (DHS)Cyber Resilience Review (CRR)is a non-technical assessment to evaluate operational resilience and cybersecurity practices. The card was sealed in original packaging until approximately 8:45am on 09/30/2022. ZA Bank (Visa Debit card) *Bank-issued American Express cards aren't supported. The app enables you to send and receive money, purchase stocks and Bitcoin. When you notify us about an error we may require that you complete our error/dispute form which you need to complete in writing and provide to us within the (10) business days. Transaction limits point-of-sale. If you make a purchase using your Card in a currency other than in U.S. dollars, the amount deducted from the available funds in the Card Account will be converted by Visa into U.S. dollars. If you are still experiencing issues, please call 833 . The arbitrators award will be binding and final. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Third party data and message fees may apply. An executive or employees email account is hacked and used to request invoice payments to vendors listed in their email contacts. The Card is nontransferable, is not for resale, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Sutton Bank does not provide customer service for the Georgia Cash Assistance Program. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation. The plaintiff alleges the fintech company and Ohio-chartered bank have wrongfully refused to refund $3,000 that was fraudulently drained from her account after she fell victim to an apparent scam involving Square's Cash App, used to send and receive money online. 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). Learn about the threats and how to protect yourself. Please notify us at Customer Service if you have any problems using your Card. Click on this link to access the MoneyIQ for Business Financial Literacy and Education Center. This means that the innate human tendency to be a social creature is what will be exploited here. Over the last seven years, Sutton has focused on providing corporate banking services to fintech. In that event, we may try to contact you at the address shown in our records. State-chartered Sutton Bank, which operates eight branches in four counties in Ohio, has issued 11 million Visa, Mastercard, and Discover payment card accounts. VISA with Rewards. NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. To activate your Card, follow the steps and instructions for activation in the App. See our Rewards Terms and Conditions for Cash Back and the Welcome Bonus for details. Access the toolkit here. 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. WE RESERVE THE RIGHT TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER SUBJECT TO INDEMNIFICATION BY YOU, IN WHICH EVENT YOU WILL COOPERATE IN ASSERTING ANY AVAILABLE DEFENSES. The Card remains the property of the Bank and must be surrendered upon demand. Reduce purchasing . Building and adopting a component library in the context of a vibrant business is no easy feat. 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. We reserve the right to require an affidavit signed by you and conduct an investigation into the validity of any request. We reserve the right to block, suspend, or cancel your Card if, as a result of our policies and processes, we detect what we reasonably believe to be fraudulent, suspicious, or criminal activity or any activity inconsistent with this Agreement. Training employees on basic internet best practices can go a long way in preventing cyber-attacks. | The Revenued Business Card is a purchase of future receivables and not a loan. 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. Requests for address or name changes may be subject to additional verification requirements. Box); (iv) the personal information that you provide to us and/or Majority USA, LLC in connection with the Card or other services provided by us or Majority USA, LLC is true, correct, up-to-date (at all times) and complete; (v) you have duly registered yourself with Majority USA, LLC in the App and that you have read and understand the Majority Terms of Service and agree to be bound by and to comply with their terms and conditions; (vi) you have read and understand this Agreement and agree to be bound by and to comply with its terms and conditions; and (vi) you accept the Card. Payments are then sent to fraudulent bank accounts. Making cyber security everyones responsibility is extremely important, therefore you should include management and IT in your education program, as well as have regular cyber security sessions, and of course create specific rules for email, internet browsing, social networks, and mobile devices. Back up your dataRegularly back up the data on all computers. Blue Ridge Bank, a nationally-chartered commercial bank, Member FDIC, originates personal loans and auto refinance loans. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. Upgrade Visa Card with Cash Rewards. You agree that we will not be responsible for temporary interruptions in service due to maintenance, App or Website changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts. Concession Opal cards need . Platinum Mastercard. Our Liability for Failure to Complete Transactions. 2. Attackers achieve this by using different manipulating techniques in order to trick users into providing money or data. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Use open APIs to create new payment products or streamline supplier and workforce payments. The Card is not a gift card or gift certificate. The Card cannot be redeemed for cash. Westpac purchasing card. We will not charge you a fee to use your Card at any ATM owned by us (currently ATMs pertaining to the Interlink, Pulse and Plus networks), however, operators of other ATMs and cash dispensing devices, their networks, and merchants may charge you a fee. Use theSupply Chain Risk Management Toolkitto help shield your business information and communications technology from sophisticated supply chain attacks. These types of transactions include (i) ATM transactions, and (ii) point of sale, PIN, PINless, automated clearing house, or other debit transactions not processed by Visa. Consider its appropriateness to these factors before acting on it. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. . Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. 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. Square Debit Card may be used wherever Mastercard is accepted. After the code is run, your computer may become infected with malware. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. You can either do the assessment yourself, orrequest a facilitated assessmentby DHS cybersecurity professionals. Insurance. Yes, you can choose Canadian or US currency cards for your Canadian employees. After your Card Account is opened, we may ask again to see a copy of your drivers license or other identifying documents at any time if we deem is necessary to verify your identity, address, or transactions on your Card Account. 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. Accounting: You can create merchant rules . Business Email Compromise (BEC)is a type oftargeted scamin which anattacker impersonates a company executive or high-level employeewith the intent ofdefrauding or extracting sensitive datafrom the company or its partners. If we decide that there was no error, we will send you a written explanation. Sutton Bank, Member FDIC, issues the Upgrade Card, which allows access to the personal credit line. The card is issued by Sutton Bank and is unique to a user's Cash App account. Back up data automatically if possible, or at least weekly, and store the copies either offsite or on the cloud. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. During that period, you will not have access to the funds subject to the hold. To find out if the Commercial Card program is right for your business, or to explore our other payment solutions, please speak with a Payment, Cash Management & Deposits Specialist today. One final way to obtain your debit card balance is through your bank's app. Please refer to our terms and conditions for more information. Our 5-star customer service team is here to answer any questions you may have. We may refuse to process any transaction that we believe may violate the terms and conditions of this Agreement. The amount of the fee should be disclosed at the ATM. https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf. Use the Supply Chain Risk Management Toolkit to help shield your business information and communications technology from sophisticated supply chain attacks. If the merchant credits your Card, the credit may not be immediately available. 32. 12. You may reject the arbitration provision by sending us written notice within 45 days after your first card purchase. Isolate payment systems from other, less secure programs and do not use the same computer to process payments and surf the Internet. For reporting (and deactivating) a lost or stolen Card you can dial the Customer Service Number twenty-four (24) hours a day, seven (7) days a week. For existing companies, the Tribal account opening process is 100% digital and the application process typically takes less than 10 minutes. Its true that theres no foolproof method that you can use to protect your business, but educating your employees about security threats and best practices for online behavior and privacy can greatly reduce the possibility of a BEC scam. 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 . To initiate a PIN transaction at the point of sale, select Debit and enter your PIN at the point of sale terminal. If you use your Card number without presenting your Card (such as for an online transaction), the legal effect will be the same as if you used the Card itself in-store. Viruses are harmful programs intended to spread from computer to computer (and other connected devices). Already a Revenued cardholder? 2022 Marqeta, Inc. 180 Grand Avenue, 6th Floor, Oakland, CA 94612. We may revoke or suspend your Card or any features or services of your Card at any time without cause or notice. This Agreement sets forth the entire understanding and agreement between you and us, whether written or oral, with respect to its subject matter and supersedes any prior or contemporaneous understandings or agreements with respect to their subject matter. A cybersecurity risk assessment can identify where a business is vulnerable, and help you create a plan of actionwhich should include user training, guidance on securing email platforms, and advice on protecting the businesss information assets. Apply for the right card and see what a difference we can make. Free ATM withdrawals if you set up direct . The Card will have an expiration date and the Card will expire, in accordance with applicable law, on the expiration date. Save 10% on full-price purchases over AUD $200, or 12% off purchases over AUD $400 when you pay with a valid Visa card. Employees should be aware of the risks and implications that these attacks hold, as well as how to spot scams and properly respond to an incident of this sort. Judgment on the arbitration award may be entered in any court having jurisdiction. You agree to sign the back of the Card immediately upon receipt. - Manage your Billers. No cash or ATM access. If you need more information about our error-resolution procedures, please contact Customer Service. Typically, the minimum annual spend is $5 million CAD. Best Practices. If you do not have enough funds available in your Card Account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or using another payment method. Although considerable effort is expended to make the App and Website and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free every minute of the day. Easy to Give, Easy to Use. Preauthorized transfers will not be allowed. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. Employees and emails are a leading cause of data breaches for small businesses because they are a direct path into your systems. There is no fee for this service. 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. Any request for a return of funds shall be processed within a reasonable period of time after your request. Online marketplaces. We use cookies & other technologies to analyze website traffic, personalize content & provide relevant advertising on other websites. 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. Developed by the DHS Cybersecurity and Infrastructure Agency (CISA), this toolkit will help you raise awareness and reduce the impacts of supply chain risks. 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 . You may not use your Card for any online gambling, escort services or any illegal transaction. Marqeta is the world's first modern card issuing platform. Approximately when the error took place. EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE CARD OR RELATING TO OR ARISING OUT OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. The Card issued to you by Sutton Bank enables you to make certain electronic fund transfers to and from your prepaid Card Account with Sutton Bank. Visa Gift cards can be used nationwide in-store and online, where Visa debit cards are accepted. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. 1-16. Access spending data through convenient web access for exceptional program reporting. 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. You can manage your preferences. 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. 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. 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. Bank of America normally charges a $5 ATM fee. These measures are specifically designed to help us protect your identity and identify possible fraud on your Card Account. This Agreement is revised periodically, so it may include changes from earlier versions. The Gift Card Granny Visa or Mastercard is a prepaid Card issued by Sutton Bank. We reserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you. Additional information and applicable terms and conditions will be provided to you in the App and at the Website. FCC Planning ToolThe Federal Communications Commission offers acybersecurity planning toolto help you build a strategy based on your unique business needs. 16. You should not write or keep your PIN with your Card. BEC attacks have a high success rate not because they are so technologically sophisticated, but because they are exploiting human vulnerabilities, like a response to authority, schedule, or even tiredness. After diligently researching his targets for some time, the attacker will develop a few scam scenarios that might work. The maximum balance allowed on your Card is $10,000. The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively. This means that you may need to visit more than one merchant if you are seeking to withdraw cash in an amount which is less than or equal to the total limit above, but more than the limit established by the individual merchant. In some cases we may follow up and request company bank statements or additional . IF YOU HAVE QUESTIONS ABOUT THIS REQUIREMENT, PLEASE CONTACT CUSTOMER SERVICE. Malware can include viruses and ransomware. About Your Card and this Cardholder Agreement. Square Checking is provided by Sutton Bank, Member FDIC. The attacker then gives the victim instructions to either make a money transfer or send sensitive data. Target Market Determinations for the products are available. Cyber-attacks are constantly evolving, but business owners should at least be aware of the most common types. The exchange rate used on the central processing date may be different than the rate that was in effect on the date you performed the transaction. This information, along with a 12-month history of the Card Account Transactions, is also available via the MAJORITY App. Primary Fax. Start by learning about common cyber threats, understanding where your business is vulnerable, and taking steps to improve your cybersecurity.