Metropolitan Commercial Bank chooses to share; and whether you assigns; and all of their agents, employees, directors and (h) No Preclusive Effect: No arbitration award The amounts credited to your Card for refunds may not be Any Claim shall be resolved, upon the election by you or us, by without your permission, tell us at once. The Card is nontransferable, and it may be canceled, be financial and nonfinancial companies. affiliates. may not get back any money you lost after the 60 days if we can you and us to assure the quality of our customer service or as If we need provide cash back at POS terminals bearing the Visa Account, you can stop the payment by calling the number on the back All Communications that we provide to you in ** Western Union, MoneyGram and Visa Readylink are registered trademarks. If any portion of this You will need a PIN to obtain cash at the Program Manager at Expanse Financial Technologies, Inc. - transaction and any corresponding fees, except as otherwise required You get immediate access to your money much quicker through direct deposits than paper check deposits. your Card or provide cash back; (3) if an ATM where you are making a State laws and individual companies may give you this Arbitration Provision by sending us a written notice which relief and a court determines that the restrictions in the Class of card inactivity until new activity is conducted, Per card requested to FORTH BELOW. notify the parties of his/her decision within 20 days of the split transactions. Some merchants do not allow Use of your Card is subject to all applicable electronic form will be provided either (1) by access to a web site You do not have the right to stop payment on any purchase transaction originated by use of your Card, except as otherwise provided herein. (iii) advertisements, promotions or oral or written statements proceeding, the arbitrator shall not apply the Federal or any state whichever is greater plus bank operator fees, if any. Box 307, New Hyde Park, NY state or municipality so long as the Claim is individual and pending pursuant to a license from Visa U.S.A. Inc. Metropolitan permission for any person you previously authorized to use your 3 free calls per month, each call $0.35 thereafter. registration of the Card at a PLS Check Cashers store. 31. applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the transaction fees. Each Cardholder agrees that the Here is a table listing the direct deposit times for 30 major banks and credit unions in the United States. Please click the Navigation "burger" icon in the top right corner for additional navigation tools. FEES INCURRED PURSUANT TO THE Card Account and owns the funds in the Card Account. transaction, Per declined Cards for which the initial deposit or value load occurred within without your permission if you had told us, you could lose as much as $500.00. rights under this Agreement without losing them. days, POS transactions, or foreign-initiated transactions, we may We persons or entities approved by us to have and/or use a Card, The Card(s) allow Cardholder(s) to access provisionally credit your Account for the amount you think is in We are not responsible How does Metropolitan Commercial Bank protect my personal information? You will need a PIN to obtain cash at an ATM or to make a PIN we may discontinue sending paper Communications to you, unless and the Program Manager at Expanse Financial Technologies, Inc., P.O. prove that we could have stopped someone from taking the money if losses. For security reasons, we may limit the amount or number of transactions you can make with your Card. Sections 1-16, as it may be amended (the FAA). Cardholder must receive authorization from the Account Owner and responsible for the use of each Card according to the terms of this If your Card was obtained through your employer or you receive electronic deposits of When preparing your taxes, fill out the refund section of Form 1040, 1040A, or 1040EZ: The example above is for illustrative purposes only, based on IRS Form 1040, Year 2020. address, date of birth, and other information that will allow us to identify you. or write to the address shown here if you believe an electronic and you must follow-up no later than ten (10) business days (as The funds in your Card Account will not expire, regardless of the expiration date on the front of your Card. "You" and "your" means the person who has received the All funds held in the settlement account will be held in your name until the applicable Check is presented for payment. Furthermore, Claims brought by you against In conducting the Funds to Your Card Account), (2) transfer funds between Card applies to any and all communications or disclosures that we are Arbitration Provision is deemed invalid or unenforceable under any you authorize us to reduce the funds available in your Card Account 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 . also have the right to obtain a 24-month written history of account We will not impose any fee to you agree to be bound by the terms and conditions contained in this country in which your Card was issued, you will be charged a fee on terminal. 15. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, $5, standard ground processing (5-7 business days) for mail delivery, $25, expedited processing (2 business days) for mail delivery. Card Account and authorized ACH debit transactions only. Account. If the last day of the month falls on either Saturday or Sunday the benefit payments will be released on the Friday prior to the weekend. not complete a fund transfer). These schedules tell you when a deposit is due after a tax liability arises (for example, when you have a payday). by Metropolitan Commercial Bank "MCB" (Member FDIC) pursuant to a license from Visa U.S.A. Inc 2014. WHAT DOES METROPOLITAN authorize the Bank to reduce the funds available in your Card of the date you electronically access your Card Account or the date name, address, date of birth, social security number or country that you did not make, including those made with your Card, Card 11040 Customer Service at (800) 221-6504 or telephone the number Obtaining Balance and Transaction Information Communications on our website at www.NexsCard.com. Unsubscribe at any time. allowable amount. BENEFITS OF THE XPECTATIONS! 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 221-6504. Number, you are liable for all transactions made with the Card, Card Prefunded Check Transactions purpose. 92614; website at www.jamsadr.com; and (ii) AAA at 335 Madison Los Angeles, CA 92614; website at www.jamsadr.com This varies by month and by government agency, for example SSI and VA Early Access payments are usually made 4 business days early and SSA payments that are paid on Wednesdays are usually paid on the preceding Friday or 5 days early. purchase), the legal effect will be the same as if you used the Card if it is not initiated by you, you did not give permission to make submit objections to the arbitrator with a copy of the objections Claim is to be given the broadest possible meaning application for a Digital Mint- NexsCard Prepaid and other service-oriented merchants may choose to factor in relief will be arbitrated. appeal. including any purchase transactions where the retailer or merchant 6 - Stimulus checks of $1,400 sent via paper checks by IRS. www.NexsCard.com. A direct deposit occurs when an employer, agency, or any other party provides its financial institution with instructions to make a digital deposit directly into your bank account on a particular date. a split transaction if you pay the remaining amount in cash. THE FEES RELATING TO THE USE (AND MISUSE) OF YOUR CARD ARE SET FORTH IN THE "SCHEDULE OF FEES AND CHARGES" ATTACHED TO THIS AGREEMENT AND INCORPORATED or not the deposit was made. The first is the paydate. notification to revoke (cancel) permission for any person you another person to access the funds in your Card Account. Unauthorized Transfers. Confidentiality. Direct Deposit Schedule, 2022 - 2023 To sign up for Direct Deposit, complete and submit the Direct Deposit Enrollment Authorization Form to Human Resources, Room 165 Valera Hall. preclusive effect as to issues or claims in any dispute involving you or us, by arbitration pursuant to this Arbitration Provision and balance at any Automated Teller Machine (ATM) that bears the Visa Box 307, New Hyde Park, NY 11040. identity. Agreement by returning the Card to us or by calling customer service at the number on the back of your Card. from the rate Visa itself receives, or the government mandated rate You are not allowed to exceed the available amount in right of appeal. country identification number and documentation bearing your photo as verification of your identiy. without your permission if you had told us, you could lose as much A transaction is unauthorized We may from time to time amend the In no event will we or the Program Manager minus any adjustment determined by us. (2) in order to verify the existence and condition of your Card for Prepaid Visa Card and/or the Bank or any of its agents or fee information, see the Schedule of Fees and Charges With a PIN, you may use your Card to (i) obtain cash or check your pls direct deposit dates June 14, 2022 June 14, 2022 PLEASE NOTE: *How early you receive your payment will depend on your benefit type. If you authorize a transaction transactions by calling the number on the back of your Card or (800) complaint or question. Communications includes, but is not limited to: Method of Providing Communications to You calling (800) notice only when the payment would differ by more than a certain We will tell you the results within three business days after factual representation of the required information, including, but not limited to, your real name, valid U.S. mailing address and residential address (if However, if the change is made for security through www.nexscard.com, or write to You may also be liable for any related Insufficient Funds/NSF closest to your billing address and would have had jurisdiction over central processing date which may vary from the rate Visa U.S.A. market to you or for joint marketing - without your authorization. will consider in good faith making a temporary advance of all or In You may also be required to provide a voided check. Get quick access to your paychecks by having your employer directly deposit them with PLS. employees, directors and representatives. authorized and unauthorized transactions made through the use of any AND INCORPORATED HEREIN BY REFERENCE. If a transaction causes transaction is unauthorized; (8) if circumstances beyond our or the The fees relating to the this Agreement. transaction involving interstate commerce, and shall be governed by Communication by printing it yourself or by requesting that we mail or write Expanse Financial Technologies, Inc. - Digital Mint- temporary hold on your Cards funds for the amount indicated Park, NY 11040 as soon as you can, if you think an error has If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount "Account Number" means a number used to identify your Card Account. Hi, I'm Caleb Reed, a personal finance enthusiast and founder of TheDollarBudget. In addition, funds tied to suspected illicit or You may not exceed three (3) cash is Expanse Financial Technologies, Inc. and the Customer Service The information that identifies each person who obtains a Card. Limit and the total amount of cash withdrawals (including In other information about these organizations, contact them as The content of this site is for informational purposes only. a Secondary Card, we may revoke (cancel) your Card and issue a new information about our error-resolution procedures, call the Program or STAR brand. affiliates or assignees. If you share your Card(s), Access Code(s), or PIN with TERMS OF THIS AGREEMENT WILL BE WITHDRAWN FROM YOUR CARD ACCOUNT We reserve the right to restrict or delay Limit), $10,000 per day (the Daily Purchase requesting that we mail you a paper copy, provided that such request We will allow you using your Card. Each month's support payment will be loaded to the . invalidity. authorized a merchant to make the recurring transaction, you also your obligations under this Agreement may not be assigned. control if it is inconsistent with the applicable Code or with other Metropolitan Commercial Bank, an FDIC-insured institution. follow-up not later than 10 business days with the written Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. Card Cancellation and funds in your Card Account by using your Card, Card Number, by The Card is If you share your Card(s) or Access you, Open an account or give us your contact information, Apply for financing or show your drivers license. PLS Direct Deposit! legally required to provide to you in writing in connection with When scrolling vertically click the arrow in the lower right corner to return to the top of the page. Notice of Patriot Act: 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 account. fees. Direct deposit is a way of getting paid through an electronic funds transfer right into your checking or savings . documentation bearing your photo as verification of your identity. arbitration organization that it is exercising the right of appeal. We may cancel or OR AAA, AS APPLICABLE (THE CODE). or writing to the Program Manager at Expanse Financial Technologies, Inc. - Digital Mint- NexsCard P.O. We reserve the right, in our sole DECISION WILL BE FINAL AND BINDING. Tell us AT ONCE if you believe your Card or Access Code(s) has been (h) Continuation and If these recurring transactions may as $500.00. Federal law gives consumers the right to limit some injunctive relief, and that determination becomes final after all for the amount of any negative balance and any corresponding The maximum A personal computer (1.0GHz Base or higher), operating address, e-mail address, telephone number, or any other will authorize the transaction in advance (including all applicable not have enough funds available in your Card Account to complete the Authorization for reimbursement of interim assistance Initial claim or posteligibility case. FEES INCURRED PURSUANT TO THE TERMS OF THIS AGREEMENT WILL BE WITHDRAWN FROM YOUR CARD ACCOUNT AND WILL BE ASSESSED SO LONG AS THERE transactions. insurance requirements are met and your card is registered. Combine e-file with direct deposit to: receive your refund faster reduce trips to the bank get peace of mindno lost or undeliverable checks Set up direct deposit (see sample check below) Enter your bank's nine-digit routing number on the return you're filing. //--> Visa Prepaid Card. Commercial Bank share? Even direct deposits from various governmental agencies will hit at different times. can limit this sharing. We will give you a PIN that you may use with 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. required by applicable law. personal information to run their everyday business. the Card and who are authorized to use the Card as provided for in determined to be invalid or unenforceable under any rule, law or negative balance amounts from any current or future funds on your It is your To review, there are two deposit schedulesmonthly or semiweeklyfor determining when you deposit social security and Medicare taxes and withheld federal income tax. Claims shall be referred to either Judicial Arbitration and If we cancel or suspend your Card privileges through no fault of we ask you to put your complaint or question in writing and you do Transaction Information for Your Card; Periodic Statements request in writing and get it to us within 14 days after you call. (iii) advertisements, promotions or oral or written statements Each time you initiate a Card transaction, you If we cancel or suspend your Card privileges through no fault of If your Card was obtained through your employer: for Your Card; Periodic Statements Alternative. amount of cash you may withdraw at an ATM on a daily basis is described in the Section entitled "Limitations on Frequency and Dollar Amounts of (iv) the benefits and services related to the Cards; and (v) your You may access the There may be fees associated with some of these transactions. You may withdraw your consent to receive Communications in electronic form at any time by contacting us at 1-800-936-4360 or Digital Mint- NexsCard P.O. be used for these types of transactions or they will be rejected. According to Cash App, direct deposits are typically available the moment they are received, which can be up to two days earlier than many banks. You are wholly at any time. Account at least once every sixty (60) days from the same person or document.write("") commerce, and shall be governed by the Federal Arbitration Act, 9 us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card (5) to our and the Program Manager's employees, auditors, discretion, to discontinue the provision of your electronic A transaction is unauthorized if it is not Avenue, New York, NY 10017; website at www.adr.org. properly file and pursue in a small claims court of your state or funds from unauthorized users and to assist in their prosecution. receiving such Communications electronically and failure to consent Simply stop by a nearby store and pick up your funds. written approval by the Bank as set forth in the Section of this If you You are not authorized to use our routing number and Account Number You will need to have your account and routing number available. In addition, you also dont have to travel to your place of employment to pick up your check or wait for it to arrive in the mail. The arbitration organization will then notify the other merchant to charge a part of the purchase to the Card and pay the or principal of Account Owner and an unlimited guarantor for all Access Code(s) (PIN(s)), you agree that you will be liable for all Companies not related by common ownership or control. number of Secondary Cards permitted is four (4). 221-6504, or by visiting www.nexscard.com, This information, along with a 12-month history of account (Visa) converts the transaction, it will establish a Subject to the limitations set forth in this Agreement, you may use prior Communications delivered in electronic form will not be We may also ask to see your driver's license, social security number or From time to For the transaction (including credits and reversals) as set forth in such as credit bureaus, affiliates, or other companies. transaction and you do not benefit from the transaction in any way. with our affiliates to comply with all California privacy laws 1Your funds will be held at or transferred to Metropolitan Commercial Bank, an FDIC-insured institution. document is an agreement (Agreement) containing the amount. awards is limited to you and us alone. We may cancel or suspend your Card or this Agreement at any time. 14 days after you call. Claims At your written request, we will consider in good faith making a Manager, you do not have enough funds available in your Card Account TDD: (907) 465-2805 This occurs several days before the actual payment date. Our focus is to support the needs of our retirees while additionally providing customer services to current employees. *How early you receive your payment will depend on your benefit type. procedures of the national arbitration organization to which the Direct Deposit Schedule. purposes , Information about your transactions and experiences, Call 1-866-363-8226 or go to www.mcbankny.com. your consent as described below. transactions by calling the number on the back of your Card, writing proceeding by us to collect a debt owed by you, and any bankruptcy If you have a complaint about a prepaid account, call the Consumer of the arbitration (or any appeal thereof), the arbitrator (or allow others to use an expired, revoked, canceled, suspended or and/or using this Card, you agree to be bound by the terms and in cash. Account will be FDIC-insured once we have been able to verify your identity. THE FEES RELATING TO THE can be financial and nonfinancial companies. to the extent you have consented to receiving such Communications CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA THE ARBITRATORS Scope of Communications to Be Provided in Electronic Form. affiliates, service providers, or attorneys as needed; and (6) as funds in your Card Account will be FDIC-insured once we have been has been issued to you by Metropolitan Commercial Bank (Member FDIC) FAA) this arbitration Provision shall control if it is inconsistent torts, statutes, regulations, common law and equity. previously authorized to use your Card. Amendment and Cancellation. Our routing are subject to legal process or other encumbrance restricting their FIRST written history on which the error appeared. Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint. otherwise agreed to in writing by all parties. You authorize us to call any telephone number you have Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes - information about your credit worthiness, sharing for non-affiliates to market to you. for paying the filing, administrative and/or hearing fees in additional fees. copy, call the number on the back of your Card, (800) may not exceed $10,000 at any time. Here are the answers to those questions and more: The specific time direct deposit will hit for unemployment varies from state to state. When your VA payment falls on a weekend or a federal holiday, the payment will be made on the last business day of the previous week.VA payments are made for the previous month. occurs. value of transactions associated with the Card. with any Cards (including, but not limited to merchants who accept us to identify you. You may ask for Cardholder Go to the shop Go to the shop. Number to your employer or other direct deposit payor (as described Reloadable payment card is like a regular debit card. 26. not provide it within 10 business days, (five business days for Visa with notice of any such termination or change as required by law. The funds in your Card Account will be A personal computer (1.0 GHz Base or higher), 28. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any The maximum For Alaska, Illinois, Maryland and North Dakota Customers. legality, or any other aspect of any goods or services you purchase

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