metabank visa debit card balance

You can make purchases or get cash wherever MasterCard and VISA Debit are Anytime AlertsTM – that let you track your balance by receiving a text message. Remember to register your card, check your balance or view your transaction This card is issued by Meta Bank pursuant to license by Visa U.S.A. Inc. Compare the Flare Account with ACE Elite® Visa® Prepaid Debit Card. Stay on top of your account activity and balance with just a few taps.

Metabank visa debit card balance -

Why FasterMoney?

mother and daughter with cell phone and faster money card

Faster Money

Speed up payday with free2direct deposit - get paid up to 2 days faster1

Skip the check casher! Load checks to your card in minutes with the Meta Wallet app and your mobile phone.3,4

Add cash conveniently at participating locations, like grocery stores and drug stores6

man holding faster money card

Faster Payments

Pay bills by phone or online, 24/7 - faster¹ than mailing checks or paying with money orders

No overdraft fees - spend only what you load

No lines, no rushing to pay bills

mother and child buying produce

Less Stress

Safer than cash - your money is protected by Visa Zero Liability policy5

Always know your balance with convenient text or email alerts3

Get cash from 24,000 fee-free2 ATM* locations nationwide

No hidden fees - they’re clear and predictable

*For each Out-of-Network ATM withdrawal, FasterMoney charges a $2.50 fee. Plus, the ATM owner may charge a fee. Terms may vary; to see terms associated with your card, see terms & conditions and cardholder agreement.

Источник: https://www.myfastermoney.com/

FAQ

Why did I receive this card?

Many companies use Blackhawk Network to purchase reward or incentive cards for their employees, clients or customers. The specific reason why the reward or incentive card was purchased for you is not shared with us. Rest assured, this is not a credit or debit card, so no charges are taken from you, and it was already paid for by the company that sent you the card. For more details, we recommend contacting the company that purchased your card.

How do I use my card?

You may use your Mastercard® or Visa® Reward Card to obtain goods or services everywhere Debit Mastercard or Visa debit cards are accepted. When you make a purchase, you should ask the cashier to run it as a Credit transaction.

What is the card limit or balance?

The card balance can be checked at omnicard.com/cards  by selecting “Check Balance” from the options. You will need to enter the 16-digit card number and the 3-digit CVV/CVN from the back of the card and then select the “Check Balance” button. There is no fee to check your balance.

How do I activate my card?

Your card may already be activated. In order to check, go to omnicard.com/cards and select “Activate Card” from the options. You will need to enter the 16-digit card number and the 3-digit CVV/CVN from the back of the card and then the “Activate Card” button.

How can I set or change the PIN number?

To set or change the PIN, visit our website, omnicard.com/cards and select “Card PIN Info”. You will need to enter the 16-digit card number and the 3-digit CVV/CVN from the back of the card to create your own PIN. As an alternative you can swipe the card as CREDIT in order to avoid the POS requiring a PIN to complete the transaction.

Does my card expire?

YES, prepaid cards do expire. Your card expires on the date printed on the front of your card. Once that expiration date is reached, your card will no longer be usable and the funds will not be accessible. We strongly recommend that you use your card well ahead of the expiration date.

 

Gift cards do not expire, and do not have an expiration date printed on the card.

Do gift cards have expiration dates or non-use fees?

It’s important for you to understand all the facts about your gift card. Although the majority of the cards we issue do not have expiration dates or card fees, please read the Terms & Conditions of each gift card as shown on the respective gift card page of our site. Note that Blackhawk Network issues the 76, Choice, Conoco, ExxonMobil, Phillips 66, Sunoco, Chevron and Texaco branded gift cards; these brands do not have expiration dates or non-use fees associated with their cards.

 

Gift cards do not expire, and do not have an expiration date printed on the card.

Are there any service fees?

A Foreign Transaction Fee of 3% of the purchase value is charged for foreign transactions.

If your card is lost or stolen, a $5 Replacement Card Fee will be charged to replace your card.

If your card has ATM access: A $2 Fee for ATM Withdrawal (USA) to withdraw cash from a U.S. ATM, a $4.75 Fee for ATM Withdrawal (International) to withdraw cash from a foreign ATM, and a $.75 Balance Inquiry to retrieve your balance at an ATM.

Can I use the card more than once?

Yes. Most cards we offer are “multi-use cards,” which means that you can use them on more than one occasion. Multi-use cards will decrease in value each time that you use them, until the balance on the card is zero. After the balance is zero, you can either reload the gift card (brand dependent) or simply throw it away.

How can I check my card balance?

Before you go shopping, you should know how much money you have available on your gift card. Merchants cannot tell you how much money you have remaining on the card. You can check your balance anytime by clicking on the Check Balance link on this website.

Why is the balance of my card lower than what it should be?

If you were making a purchase and the transaction was either canceled out by the merchant or declined, the merchant transaction system most likely put a hold on those funds. This hold is common with some transactional systems where the merchant is authorizing the amount of the transaction, but not taking the funds until a later time. For instance, if you buy a product online, you may see that your card is not charged until the product ships.

 

When this occurs, if your purchase was not finalized, the merchant will issue those funds back onto the card—note that this process can take 7–10 business days. For further card balance questions, call the toll-free number on the back of your card to speak with an agent.

Can I use my card at an ATM?

Some of the Visa Reward Cards we issue do have ATM access. Check the back of your card to know for sure. If your card has ATM access, the fees will be described. If the back of your card does not contain ATM usage fees, then your card does not have ATM access.

 

When this occurs, if your purchase was not finalized, the merchant will issue those funds back onto the card—note that this process can take 7–10 business days. For further card balance questions, call the toll-free number on the back of your card to speak with an agent.

How can I return a damaged card, or a card with a balance that will not work?

Please refer to the number on the back of the gift card to reach the retailer’s customer service team. For problems with an SVM issued gift card brand including 76, Chevron, Choice Hotels, Conoco, ExxonMobil, Phillips 66, Sunoco, and Texaco visit our Gift Card Returns website by clicking www.GiftCardReturns.com. 

Why was I not able to use the card for an online purchase?

Most online shopping carts have a security measure in place to verify the “billing address” and name associated with the credit or debit card. When your card was purchased, your address and/or name may not have been assigned to the card. To update this information:

  • Go to omnicard.com/cards and select “Register Card” from the options. You will need to enter the 16-digit card number and the 3-digit CVV/CVN from the back of the card and then select the “Register Card” button. Then follow the instructions to input your home address.
  • Contact Customer Service at 1.877.357.4975. 

 

Then when using the card online, make sure to use the address you registered the card under as the Billing Address in the shopping cart.

Why was my card declined at a restaurant?

Restaurants and other service merchants often run a card for 20 percent more than the total bill to cover gratuity. If the card will not cover the additional amount, ask the cashier to run the card for the amount available. Be prepared to pay the gratuity or bill difference with another form of payment.

Why wasn’t I able to use my card at a gas station?

Payment processing terminals at gas stations may vary. In general, the best way to use your card at a gas station is to pay inside. Tell the attendant to only charge the amount you specify and to run the card as a “credit” transaction.

Do you provide refunds for purchased gift cards?

Remaining card balances may be subject to refund as required by law. Although we may ask qualifying questions, there is no need to mail in your card(s) or complete any form. Please call customer service at 800.786.8028 Monday–Friday 8:00 a.m. to 5:00 p.m. CT, excluding holidays, to request a refund for:

  • A specific brand we issue (including, but not limited to 76, Chevron, Choice Hotels, Conoco, ExxonMobil, Phillips 66, Sunoco and Texaco)
  • A Blackhawk Network–issued card that has a value of $10 or less

 

On occasion, merchant transaction systems are not set up to check your card’s balance before authorizing the transaction; these processing errors can lead to declines.

Why is my card not working?

The most common answer to this is the purchase amount you were attempting may have been greater than the available balance on your card. To verify if this is the case, please check your card balance and make sure it is equal to or more than your purchase amount.

On occasion, merchant transaction systems are not set up to check your card’s balance before authorizing the transaction; these processing errors can lead to declines.

Источник: https://blackhawknetwork.com/on-demand/faqs/

Here's everything you need to know about the stimulus debit cards

Approximately four million Americans will receive their coronavirus stimulus check in the form of a prepaid debit card.

"Prepaid debit cards are secure, easy to use and allow us to deliver Americans their money quickly," Treasury Secretary Steve Mnuchin said in a statement last month. "Recipients can immediately activate and use the cards safely."

However, there's been confusion around the cards, which arrive in a plain envelope from "Money Network Cardholder Services," with the name of the issuing bank, MetaBank, N.A., on the back. Some people, expecting their economic impact payment in the form of a check or direct deposit, are mistaking the mail as junk or the cards as a fraud.

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The cards, issued through Treasury's U.S. Debit Card program, were mailed out starting in mid-May. Here's what you need to know about them.

Will I receive an EIP card?

If you're eligible for an Economic Impact Payment and didn't receive it via direct deposit or paper check, you could be among the approximately four million Americans getting a card.  

Chances are, you won't be alerted ahead of time that your payment is coming in the form of a prepaid card: The decision to mail them out wasn't widely known before the first batch was sent in May. Look out for a plain envelope from "Money Network," a division of Fiserv, which is a global provider of financial services technology.

In addition to the card, there should also be a letter in the envelope. Look for the names "MetaBank," the retail banking arm of the Treasury Department, and "Money Network" in the letter to ensure it's a legit card.

The second round of prepaid economic impact payment cards started going out to recipients in January.
Photo illustration / EIPcard.com

How much money will be on my EIP card?

It depends on how much you earn. The Economic Impact Payments are worth up to $1,200 for individuals and $2,400 for couples, plus $500 for eligible dependents. If you earn more than $75,000 as an individual or $150,000 as a couple, the total amount you're eligible to receive starts to decrease. And if you earn $99,000 or more as an individual or $198,000 as a couple, you aren't eligible to receive a stimulus payment. 

To determine the amount you will receive, the government will look at your 2019 tax returns if you already filed and 2018 information if you didn't yet file.

You can check your card balance online (you have to register as a new user on eipcard.com, which provides information on how to use the cards) or by calling customer service at 1-(800)-240-8100.

Use this stimulus check calculator to figure out exactly how much money you should be receiving from the government and make sure it aligns with your balance. If it doesn't, call customer service.

Do I have to activate my EIP card?

Yes. Before using your card, you have to call 1-(800)-240-8100 to activate it. You'll be asked to enter your card number, last six digits of your Social Security number and the three-digit security code on the back of your card.  

You'll also be asked to set a four-digit PIN, which you'll use for any ATM transactions, automated assistance and to hear your balance.

Acorns-link-back

Where can I use my EIP card?

You can use it to make purchases anywhere Visa debit cards are accepted, and you can pay in-store, online or over the phone. You can also get cash back at participating merchants after making a purchase: select "debit" on the keypad at the register, enter your four-digit PIN, select "yes" for cash back and enter the amount you want back.

You can use your card at an ATM, though there's a $1,000 ATM withdrawal limit. To avoid fees, you'll have to withdraw from the AllPoint network of ATMs. You can find one close to you by using this ATM locator from eipcard.com. You can get cash using an out-of-network ATM, but it will incur a fee.

Finally, you can transfer funds from your card to an existing bank account online at eipcard.com or using the Money Network Mobile App. You'll need the routing and account number associated with your bank account. Expect the transfer to show up in your bank account after one to two business days.

Can I use my EIP card to pay recurring bills?

What happens if I accidentally throw my card away?

Источник: https://www.cnbc.com/2020/06/03/everything-you-need-to-know-about-the-stimulus-debit-cards.html

If you’re still waiting for your Economic Impact Payments, you might be getting a debit card instead of a check in the mail. This, of course, is the money that’s meant to give relief due to the Coronavirus pandemic. You may have already gotten your payment by direct deposit or by check. But if you’re still waiting, watch your mailbox for either a check or a VISA debit card. And know that the government will never, ever call, text, email, or ask you to click on a link they sent to activate your card or get your money.

Here’s what to know if your payment comes in the form of a debit card.

  • Look for the prepaid card (and its envelope) in the mail. The envelope will be from “Money Network Cardholder Service.” Inside will be a VISA-branded prepaid card issued by MetaBank. This card will give you access to your economic impact payment.
  • Activate the card immediately. The mailer will give you instructions on how to activate the card, but here’s the deal: You can activate your card by calling 1-800-240-8100 or visiting USdebitcard.gov and clicking on the EIP card link. To activate your card, though, you’ll have to give them your Social Security number. Once you activate your card, you can get cash or use it anywhere that accepts VISA debit cards. There are no fees associated with transferring the money from the card to your personal bank account. Keep in mind that EIP cards will expire after three years. When that happens, the bank will send any money left on the card to you.
  • Questions about the card? Money Network has a 24-hour call center: 1-800-240-8100. You can call to check your card balance or just ask questions. There’s also more information and a quick video from the Consumer Financial Protection Bureau to answer questions you might have.

Most important, remember: unless you’ve asked for assistance, no one will ever call you about the EIP card. And no one will text, email, or ask you to click on a link they sent to activate this card or to get your money. If someone does, stop. It’s a scammer. Don’t give them your Social Security or debit card number, or any other information. Then report it to the FTC at ftc.gov/complaint.

Источник: https://www.consumer.ftc.gov/blog/2020/05/what-know-about-economic-impact-payment-debit-cards?page=2

 

feesAmountDetails
Get started

Card Purchase

N/A

 
Monthly Usage

Monthly fee

$4.95

is assessed 30 days after activation and waived in any month in which you load $500 or more.

Spend money

PIN Transactions

$0.75

assessed on PIN debit transactions.

Get cash

ATM withdrawal (in-network)

$2.50

“In Network” includes MoneyPass ATM locations.  For locations, visit www.myfastermoney.com. is waived if you make one non-tax refund load (Qualified Load).

ATM withdrawal (out-of-network)

$2.50

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

Bank Teller Cash withdrawal (U.S. or International)

1.5%

Of the withdrawal value. International Transaction Fee may also apply.

Information

Customer service (automated)

N/A

No fee for calling our automated customer service line, including for balance inquiries.
Using your Card outside the U.S.

International transaction

3%

Of the U.S. dollar amount of each transaction. Only available for Verified Cards.

International ATM withdrawal

$2.50

This feature is only available on Verified Cards. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International Transaction Fee may also apply.

Third-Partyfees

Delayed Funding - Mobile Check Load (via Ingo)

$0

We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice. This feature is only available on Verified Cards.

Expedited Funding - Mobile Check Load (via Ingo)

Greater of 4% or $5.00

You will be charged 4% of the check amount with a $5 minimum. We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice. This feature is only available on Verified Cards. Via mobile phone - data and text rates may apply.

Visa ReadyLink Cash Load

$3.95

We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice. This Feature is only available on Verified Cards.

Western Union Cash Load

$3.95

We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice. This feature is only available on Verified Cards.

Green Dot Cash Load

$4.95

We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice. This feature is only available on Verified Cards.

MoneyGram Cash Load

$3.95

We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice. This feature is only available on Verified Cards.

Other

Card Replacement

$9.95

7-10 Business Days for standard delivery

Express Shipping

$9.95

shipping. may be assessed in addition to a standard Card Replacement .

Check Refund Fee

$9.95

Charged when you initiate closure of your card account and any remaining funds are sent to you via check.

Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to MetaBank, N.A., an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event MetaBank fails, if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.

Contact Customer Service by calling 1-855-638-2226, by mail at P.O. Box 91607 Sioux Falls, SD 57109, or visit www.myfastermoney.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.

FasterMoney® Visa® Prepaid Card Cardholder Agreement

CUSTOMER SERVICE CONTACT INFORMATION:
Address: P.O. Box 91607 Sioux Falls, SD 57109
Website:www.myfastermoney.com
Phone Number: 1-855-638-2226

IMPORTANT NOTICES:
(1) PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION 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 METABANK’S PRIVACY POLICY (INCLUDED).

This Cardholder Agreement (“Agreement”) sets forth the terms and conditions under which the FasterMoney Visa Prepaid Card (“Card”) has been issued to you by MetaBank®, National Association. In this Agreement, general references to “Card” include, unless otherwise specified, both Verified and Unverified Cards. “Verified Cards” are cards for which you have provided MetaBank personally identifying information that has been verified through our customer identification process. “Unverified Cards” are cards that are registered with limited personal information provided by you, but have not been run through our verification process. Your Card may or may not be pre-loaded with funds as for visiting the retail location where you obtained the Card. As used in this Agreement and your Fee Schedule, “Qualified Load” means a cash, mobile check or ACH credit (direct deposit) load, excluding tax refunds or incentive loads, if applicable. " 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, MetaBank, National Association, member FDIC, and its divisions or assignees. 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.

2. YOUR CARD FUNCTIONALITY

A. Unverified Cards

You are not required to verify your Card through the verification process explained below. If you choose not to do so, you will be limited in functionality and protections, as indicated throughout this Agreement. You will not able to load funds, enroll in direct deposit, or conduct international transactions to your unverified Card. If you would like to enable these additional or ensure your Card is protected by FDIC insurance, you must go through the verification process below. Card verification takes place at the retail location where you received the Card. If you do not go through the identity verification process in the retail location where you obtained your Card, and you want the features of a Verified Card, you must enroll for a new Card at www.myfastermoney.com (our “Website”) to be run through verification.

B. Verified Cards

Important information for verifying a Card: 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 Verified Card.

What this means for you: When you open a Verified Card account, we will ask for 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 identification documents at any time. We may limit your ability to use your Card or certain Card features until we successfully verify your identity.

Eligibility and Activation: To be eligible to use and activate a Card, you represent and warrant to us that: (i) you are at least 18 years of age; (ii) the personal information that you have 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.

C. Personalized Cards

If you make a Qualified Load to a Verified Card, we will send you a “Personalized Card,” which is a card with your name embossed on it. Otherwise, you may receive a Personalized Card without a Qualified Load only by requesting one from Customer Service. Personalized Cards do not affect the functionality of your Card. Once you activate your Personalized Card, you will no longer be able to use your original Card plastic. When you activate the Personalized Card, your balance and any associated direct deposit enrollment information transferred automatically from the original card you received to the new Personalized Card.

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 Verified 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 Verified 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 Verified 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 Verified 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:
Visa Zero Liability policy covers U.S. issued cards only and does not apply to 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 these disclosures, our business days are Monday through Friday, excluding Federal holidays.

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, 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.

You CANNOT use your Card (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 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 Verified Card account: You may add funds to your Verified Card, called “loading,” (i) Automated Clearing House ("ACH") loads (e.g., direct deposit); (ii) Loading cash through one of our reload locations (a list is available at our Website or by calling our Phone Number) and (iii) Remote Deposit Capture. 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 Fee Schedule. If you arrange to have funds transferred directly to your Verified 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 Verified 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. We will reject any loads that exceed the maximum balance allowed on your Card. There are also maximum load restrictions we may place on your Card when aggregated with any other Cards you have. 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. Limits

Load, Withdrawal and Spend Limits (Third parties may impose additional limitations)

Load LimitationsLimit

Maximum Card balance at any time

$10,000

Total number of times you can reload your Verified Card

Five (5) times per day.

Maximum ACH credit (direct deposit per load). Verified Card feature only.

$10,000 per day.

Remote Deposit Capture (via mobile phone – data and text rates apply). Verified Card feature only.

$2,500 per day.

Cash Deposit. Verified Card feature only.

$950 per day.

Withdrawal LimitationsLimit

Total number of Domestic ATM withdrawals

No more than five (5) transactions totaling $2,500 per twenty-four (24) hours

Total number of International ATM withdrawals

No more than three (3) transactions totaling $500 per twenty-four (24) hours

amount of over the counter cash withdrawals

$5,000 in a twenty-four (24) hours

amount of cash back withdrawal

No more than three (3) transactions totaling $500 per twenty-four (24) hours

Spend LimitationsLimit

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

$2,500 per day

C. 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 3% on the total amount of the transaction. If the Foreign Transaction results in due to a return, we will not refund any Foreign Transaction Fee that may have been charged on your original purchase.

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.

If your account is registered and verified with us, you also have the right to obtain at least 24 months of written history of account transactions by calling or by writing Customer Service

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 Verified 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. 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.

F. 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. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR VERIFIED CARD

A. Warning Regarding Unverified Prepaid Accounts

It is important to register your Card as soon as possible. Until you register your account and we verify your identity, we are not required to research or resolve any error regarding your Card account. To register your account, contact us at our Website or via our mobile app. We will ask you for identifying information about yourself (including your full name, address, date of birth, and government-issued identification number so that we can verify your identity as explained above.

9. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR VERIFIED CARD

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 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. In any case, we may limit our investigation of any alleged error that you do not report to us within 120 days of the posted transaction. You will need to tell us:
   (1) Your name and prepaid account or Card number.
   (2) Why you believe there is an 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.

10. ADDITIONAL TERMS OF AGREEMENT

A. Personal Identification Number (“PIN”)

You will receive a Personalized Identification Number ("PIN") by calling Customer Service at the Phone Number above. 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 Fee Schedule 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 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 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.

11. 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

Regardless of where or how we are served, 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 valid relating to you or your Card. You agree that we will honor process that is served personally, by mail, or by facsimile transmission at any of our offices (including locations other than where the funds, records or property sought is held), even if the law requires personal delivery at the office where your Card account records are maintained. You agree that we will have no liability to you for honoring any such legal process. You also agree that we will have no obligation to assert on your behalf any applicable exemptions to execution or attachment under any applicable state or federal law. We will enforce a right of interest against any of your Card accounts in order to reimburse us for our fees and expenses, including attorneys’ fees, court costs expenses, in complying with process. 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. We may deduct such expenses from your Card account or any other account you may have with us without prior notice to you, or we may bill you directly for such expenses and fees. You agree to release and indemnify, defend and hold us harmless from all actions, claims, liabilities, losses, costs 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 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 shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement will not be affected. This Agreement will be governed by the law of the state of South Dakota except to the extent governed by federal law. 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.

12. 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 SHALL 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.

13. 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” MetaBank, Attn: Customer Service, 5501 S Broadband Ln, Sioux Falls, SD 57108.

Background and Scope.

QuestionShort AnswerFurther Detail

What is arbitration?

An alternative to court

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

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 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 Card number. State that you “opt out” of the Arbitration Clause.

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 arbitrate or require 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. 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"), 1633 Broadway, 10th Floor, New York, NY 10019, 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 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.

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"), 1633 Broadway, 10th Floor, New York, NY 10019, 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 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. We will not demand arbitration of any lawsuit you bring as an individual action in small-claims court. However, we may demand arbitration of any appeal of a small-claims decision or any small-claims action brought on a class basis.

Are you giving up any rights?

Yes

For Disputes subject to this Arbitration Clause, you give up your right to:
Have juries decide Disputes.
Have courts, other than small-claims courts, decide Disputes.
Serve as a private attorney general or in a representative capacity.
Join a Dispute you have with a dispute by other consumers.
Bring or be a class member in a class action or class arbitration.
We also give up the right to a jury trial and to have courts decide Disputes you wish to arbitrate.

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. This Arbitration Clause will be void if a court rules that the Arbitrator can decide a Dispute on a class basis and the court's ruling is not reversed on appeal.

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. Punitive damages are governed by the constitutional standards that apply in judicial proceedings.

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.

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 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 , 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. It can be made if a party begins a lawsuit on an individual basis and then tries to pursue a class action. Once an arbitration demand is made, no lawsuit can be brought and any existing lawsuit must stop.

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 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.

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 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. Upon such request, the Arbitrator will explain the ruling in writing.

card is issued by MetaBank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. © 2020 MetaBank

Источник: https://www.myfastermoney.com/cardholder-agreement-fm-ra-v2

Give the Gift of MOA®

Gift Cards

Mall of America gift cards are the perfect gift for any occasion. Gift cards can be purchased in person at any of the Guest Service desks located on level 1 in the entrances or online. Cards purchased in person can be in any denomination between $20 and $500.

  • Visa®, Mastercard®, American Express®, Discover® Network and cash are accepted as payment.
  • A $4.50 activation fee per card applies.
  • Gift cards are non-refundable and accepted only at participating MOA merchants. (See list below)
  • When applying as payment, MOA gift cards should be processed a VISA® card.
  • Check your balance and review recent transactions either online or by phone at 1.800.755.8713.



Orders of quantities higher than 10 cards must be placed through our Group Sales Department and prepaid by wire transfer. To place a personal or corporate order, email groupsales@moa.net.

The Mall of America Gift Card is issued by MetaBank®, member FDIC. Funds do not expire. No cash access, non-reloadable, and non-refundable. View card user agreement

If you have a Black Mall of America Gift Card you may check your balance and review recent transaction online or by phone at 1.877.696.6222 online or by phone at 1.800.755.8713.

Enrolled Merchants

A&W
Abercrombie & fitch
Abercombie Kids
Aerie
Aeropostale
Air Traffic Toys
Aldo
Alex and Ani
Alpaca Connection
Altar'd State
Almost Famous Body Piercing
Amazing Mirror Maze
American Eagle
Ann Taylor
Anthropologie
Apple
Aritzia
Asics
Athleta
Aveda Experience Center
A/X Armani Exchange
Baby Gap/ Gap Kids
Baggallini
Baking Betty's
Banana Republic
Barnes and Noble
Bath & Body Works
Beef Jerkey Experience
Benihana
Birchbox at Walgreens
Body Corner (kiosk)
Bonchon Korean Fried Chicken
Boot Barn
Boss
Boxlunch
Brighton
Brow Art 23
Bubba Gump Shrimp Company
Buckle
Buffalo Wild Wings
Build-A-Bear Workshop
Burberry
Burger Burger
Burger King
Cadillac Ranch
Canada Goose
Cantina Loredo
Canvas Studio
Caribou Coffee
Cariloha
Carlo's Bakery
Carter's Babies and Kids
Casper
Cedar + Stone
Cell Shield (kiosk)
Cell Solution (kiosk)
Champs Sports
Chapel of Love
Chatime Café
Chatime Tea
Chick-Fil-A
Chico's
Chipotle
Cinnabon
Claire's
Clarks
Club Monaco
Coach
Cold Stone Creamery
Columbia Sportswear
Cotton On
Crave
Crayola Experience
Crayola Store
Crocs
Custom One (kiosk)
Dairy Queen/Orange Julius
Disney Store
Doc Popcorn
Dough Dough
Dr. Martens
DSW Shoe Warehouse
Dutchman's Deck Adventure Course
Ecco
Eddie Bauer
Evereve
Everything But Water
Express
EyeBobs
Famous Footwear
Firelake Grill House
Five Below
Fixology
Fjallraven
Flyzone at Kids Footlocker
Flyover America
Footlocker
Footaction
Forever 21
Fossil
Francesca's Collections
Free People
Freshens Crepes and Smoothies
Freshens Yogurt
Games By James
Gamestop
Gameworks
Gap/Gap Body
Garage
Gear Store
GNC
Godiva Chocolatier
Goldy's Locker Room
Got Kilt?
Great American Cookies
Great Steak & Potato
Guess
Grub
H&M
H&M Man
Haagen-Dazs
Hammer Made
Helzeberg Diamonds
Heritage Estate Jewelry
Hockey Minnesota by Goldy's Locker Room
Holiday Stationstore
Hollister
Hooters
Hot Topic
House of Hoops by Foot Locker
Iaccessories (kiosk)
Icandy Sugar Shoppe
Indulge + Bloom
It's Sugar
J. Jill
Jamba Juice
Janie & Jack
JD
JM Cremps
Johnny Rockets
Johnston & Murphy
Journeys
Kate Spade New York
Kendra Scott
Kids Foot Locker
Kiehl's
L'occitane
L.L. Bean
Lane Bryant
Legacy Toys
Lenscrafters
Levi's
Lids
Lindt Chocolate
Loft
Log Chute Photo
Long John Silvers
Lotus Beads
Love from Minnesota
Lucky Brand
Lululemon Athletica
LUSH
Mac Cosmetics
Macarons by Maddie Lu
Macy's
Madewell
Mall of America Gift Store
Margaritaville
Marshalls
Masu Sushi & Robata
Maurices
Merrell Shoes
Michael Kors
Minnesot-ah!
Minnewaffolis
MOA Guest Services
Mobile Zone
Mona Williams
Moose Mountain Adventure Golf
Morphe
My Pillow
Nespresso
Nickelodeon Shop
Nickelodeon Universe
Nike
Noodles & Company
Nordstrom
Nordstrom Rack
North Food Cart
Northwoods Candy Emporium
Oakley
Old Navy
Old Time Photos
Orange Streak Photos
Pac Sun
Paddle North
Paisley Park @MOA
Panda Express
Pandora Jewelry
Panera Bread
Paper Source
Peleton
Pepper Palace
Perfumania
Persepolis
Piada Italialian Street Food
Pink
Popeyes Louisana Kitchen
Popsockets (kiosk)
Princess and Diva Spa
Pro Image Sports
Qdoba
Ragstock
Rainforest Café
Relaxing Massage
Rick Bronson's House of Comedy
Riddle's Jewelry
Rock of Ages Blacklight Mini Golf
Rocky Mountain Chocolate Factory
Sbarro
Sencha Tea Bar
Sephora
Shake Shack
Show MGK (kiosk)(
Skechers
Softmoc
Soma
South Food Cart
Sox Appeal
Spencer's
Stance
Starbuck's Coffee
Steve Madden
Sunglass Hut
Swarovski
Swatch
Sweet Treats
T-Mobile
Thai Express
The Body Shop
The Children's Place
The Escape Game
The Lego Store
The North Face
The Walking Company
Third Degree Heat
Tilly's
Timberland
Tommy Bahama
Tomadachi
TOMS
Torrid
Toy Store
Tumi
Twin City Grill
Typo
Ugg Australia
Ulta Beauty
Underarmour
Unique
Untickit
Urban Outfitters
Vans
Vera Bradley
Verizon Destination Store
Victoria's Secret
Viking's Locker Room
Villa Shoes
Wafels & Dinges
Wahlburgers
Walgreens
West Food Cart
Wetzel's Pretzels
White Barn Candle
White House/Black Market
Windsor
Worker B
Xscape Arcade
Xscape Entertainment Center
Yankee Candle
Zagg (kiosk)
Zales
Zara
Zumiez
3D Crystals
5D Extreme Attraction by Matrix Technology
925 Sterling Avenue
Источник: https://mallofamerica.com/giftcard

Western Union® Netspend® Prepaid Mastercard®

  1. Fees for money transfers vary and will be calculated at the time of the transfer transaction. Fees, terms and conditions apply, which you must agree to before using the Service. No fee to receive Western Union® money transfers onto your Western Union® Netspend® Prepaid Mastercard®. This optional offer is not a MetaBank®, National Association, product or service nor does MetaBank, N.A., endorse this offer.
  2. Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.
  3. 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 us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.
  4. The Netspend Network is provided by Netspend Corporation and its authorized agents. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.
  5. No charge for this service, but your wireless carrier may charge for messages or data.
  6. The Pay-As-You-Go Plan is the default Plan Fee on the Card Account. Cardholder may enroll in the Monthly Plan to pay a flat fee of $9.95 per month instead of paying a fee for every purchase transaction under the Pay-As-You-Go Plan. Neither Plan Fee option includes any other fees. If cardholder receives $500 in payroll or government benefit direct deposits in 1 calendar month, cardholder will qualify for the Reduced Monthly Plan. After qualifying, Monthly Plan Cardholders will receive the Reduced Monthly Plan Fee of $5 on their next Plan Fee assessment date. Pay-As-You-Go Cardholders must enroll in the Reduced Monthly Plan to receive it.
  7. Receive one (1) digital coupon for a one-time Custom Card Fee ($4.95) waiver when you qualify for the Western Union(R) Netspend Prepaid Mastercard reduced monthly fee plan. Activation and ID verification required. Waiver valid for 365 days after activation.  Custom Card Fee applies to all other Custom Card orders.  Offer not valid for Western Union(R) Netspend Prepaid Mastercard Cardholders who do not currently have a valid coupon for a Custom Card Fee waiver.  Limit one (1) offer per Card Account. Metabank(R), N.A., and Mastercard do not endorse or sponsor this optional offer.  Photograph (full-size or passport-type) must meet Custom Card Image Guidelines.  See your Online Account Center for details.
  8. Custom Card Fee applies. Picture must meet Image Guidelines. If custom card is lost, stolen, or damaged, any request for: (a) a replacement custom card requires resubmission of image and payment of Custom Card Fee; or (b) a replacement standard card requires payment of standard Replacement Card Fee. See online custom card FAQs and the Fee Schedule in the Cardholder Agreement.

 

The Western Union(R) Netspend(R)

Prepaid Mastercard(R) is issued by MetaBank, National Association, Member FDIC, pursuant to license by Mastercard International Incorporated. Netspend is a registered agent of MetaBank, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Card may be used everywhere Debit Mastercard is accepted.

Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.

© 2021 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.

Send money online to 200 countries and territories with more than 500,000 Western Union agent locations.
app-stor

Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985. These licensed companies may be verified through the NMLS Consumer Access website - https://www.nmlsconsumeraccess.org/.

Western Union Financial Services, Inc. and Western Union International Services, LLC are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.

logo_horizontal-1logo_symbol-1
Источник: https://www.westernunion.com/us/en/netspend.html

Give the Gift of MOA®

Gift Cards

Mall of America gift cards are the perfect gift for any occasion. Gift cards can be purchased in person at any of the Guest Service desks located on level 1 in the entrances or online. Cards purchased in person can be in any denomination between $20 and $500.

  • Visa®, Mastercard®, American Express®, Discover® Network and cash are accepted as payment.
  • A $4.50 activation fee per card applies.
  • Gift cards are non-refundable and accepted only at participating MOA merchants. (See list below)
  • When applying as payment, MOA gift cards should be processed a VISA® card.
  • Check your balance and review recent transactions either online or by phone at 1.800.755.8713.



Orders of quantities higher than 10 cards must be placed through our Group Sales Department and prepaid by wire transfer. To place a personal or corporate order, email groupsales@moa.net.

The Mall of America Gift Card is issued by MetaBank®, member FDIC. Funds do not expire. No cash access, non-reloadable, and non-refundable. View card user agreement

If you have a Black Mall of America Gift Card you may check your balance and review recent transaction online or by phone at 1.877.696.6222 online or by phone at 1.800.755.8713.

Enrolled Merchants

A&W
Abercrombie & fitch
Abercombie Kids
Aerie
Aeropostale
Air Traffic Toys
Aldo
Alex and Ani
Alpaca Connection
Altar'd State
Almost Famous Body Piercing
Amazing Mirror Maze
American Eagle
Ann Taylor
Anthropologie
Apple
Aritzia
Asics
Athleta
Aveda Experience Center
A/X Armani Exchange
Baby Gap/ Gap Kids
Baggallini
Baking Betty's
Banana Republic
Barnes and Noble
Bath & Body Works
Beef Jerkey Experience
Benihana
Birchbox at Walgreens
Body Corner (kiosk)
Bonchon Korean Fried Chicken
Boot Barn
Boss
Boxlunch
Brighton
Brow Art 23
Bubba Gump Shrimp Company
Buckle
Buffalo Wild Wings
Build-A-Bear Workshop
Burberry
Burger Burger
Burger King
Cadillac Ranch
Canada Goose
Cantina Loredo
Canvas Studio
Caribou Coffee
Cariloha
Carlo's Bakery
Carter's Babies and Kids
Casper
Cedar + Stone
Cell Shield (kiosk)
Cell Solution (kiosk)
Champs Sports
Chapel of Love
Chatime Café
Chatime Tea
Chick-Fil-A
Chico's
Chipotle
Cinnabon
Claire's
Clarks
Club Monaco
Coach
Cold Stone Creamery
Columbia Sportswear
Cotton On
Crave
Crayola Experience
Crayola Store
Crocs
Custom One (kiosk)
Dairy Queen/Orange Julius
Disney Store
Doc Popcorn
Dough Dough
Dr. Martens
DSW Shoe Warehouse
Dutchman's Deck Adventure Course
Ecco
Eddie Bauer
Evereve
Everything But Water
Express
EyeBobs
Famous Footwear
Firelake Grill House
Five Below
Fixology
Fjallraven
Flyzone at Kids Footlocker
Flyover America
Footlocker
Footaction
Forever 21
Fossil
Francesca's Collections
Free People
Freshens Crepes and Smoothies
Freshens Yogurt
Games By James
Gamestop
Gameworks
Gap/Gap Body
Garage
Gear Store
GNC
Godiva Chocolatier
Goldy's Locker Room
Got Kilt?
Great American Cookies
Great Steak & Potato
Guess
Grub
H&M
H&M Man
Haagen-Dazs
Hammer Made
Helzeberg Diamonds
Heritage Estate Jewelry
Hockey Minnesota by Goldy's Locker Room
Holiday Stationstore
Hollister
Hooters
Hot Topic
House of Hoops by Foot Locker
Iaccessories (kiosk)
Icandy Sugar Shoppe
Indulge + Bloom
It's Sugar
J. Jill
Jamba Juice
Janie & Jack
JD
JM Cremps
Johnny Rockets
Johnston & Murphy
Journeys
Kate Spade New York
Kendra Scott
Kids Foot Locker
Kiehl's
L'occitane
L.L. Bean
Lane Bryant
Legacy Toys
Lenscrafters
Levi's
Lids
Lindt Chocolate
Loft
Log Chute Photo
Long John Silvers
Lotus Beads
Love from Minnesota
Lucky Brand
Lululemon Athletica
LUSH
Mac Cosmetics
Macarons by Maddie Lu
Macy's
Madewell
Mall of America Gift Store
Margaritaville
Marshalls
Masu Sushi & Robata
Maurices
Merrell Shoes
Michael Kors
Minnesot-ah!
Minnewaffolis
MOA Guest Services
Mobile Zone
Mona Williams
Moose Mountain Adventure Golf
Morphe
My Pillow
Nespresso
Nickelodeon Shop
Nickelodeon Universe
Nike
Noodles & Company
Nordstrom
Nordstrom Rack
North Food Cart
Northwoods Candy Emporium
Oakley
Old Navy
Old Time Photos
Orange Streak Photos
Pac Sun
Paddle North
Paisley Park @MOA
Panda Express
Pandora Jewelry
Panera Bread
Paper Source
Peleton
Pepper Palace
Perfumania
Persepolis
Piada Italialian Street Food
Pink
Popeyes Louisana Kitchen
Popsockets (kiosk)
Princess and Diva Spa
Pro Image Sports
Qdoba
Ragstock
Rainforest Café
Relaxing Massage
Rick Bronson's House of Comedy
Riddle's Jewelry
Rock of Ages Blacklight Mini Golf
Rocky Mountain Chocolate Factory
Sbarro
Sencha Tea Bar
Sephora
Shake Shack
Show MGK (kiosk)(
Skechers
Softmoc
Soma
South Food Cart
Sox Appeal
Spencer's
Stance
Starbuck's Coffee
Steve Madden
Sunglass Hut
Swarovski
Swatch
Sweet Treats
T-Mobile
Thai Express
The Body Shop
The Children's Place
The Escape Game
The Lego Store
The North Face
The Walking Company
Third Degree Heat
Tilly's
Timberland
Tommy Bahama
Tomadachi
TOMS
Torrid
Toy Store
Tumi
Twin City Grill
Typo
Ugg Australia
Ulta Beauty
Underarmour
Unique
Untickit
Urban Outfitters
Vans
Vera Bradley
Verizon Destination Store
Victoria's Secret
Viking's Locker Room
Villa Shoes
Wafels & Dinges
Wahlburgers
Walgreens
West Food Cart
Wetzel's Pretzels
White Barn Candle
White House/Black Market
Windsor
Worker B
Xscape Arcade
Xscape Entertainment Center
Yankee Candle
Zagg (kiosk)
Zales
Zara
Zumiez
3D Crystals
5D Extreme Attraction by Matrix Technology
925 Sterling Avenue
Источник: https://mallofamerica.com/giftcard

If you’re still waiting for your Economic Impact Payments, you might be getting a debit card instead of a check in the mail. This, of course, is the money that’s meant to give relief due to the Coronavirus pandemic. You may have already gotten your payment by direct deposit fort smith arkansas news stations by check. But if you’re still waiting, watch your mailbox for either a check or a VISA debit card. And know that the government will never, ever call, text, email, or ask you to click on a link they sent to activate your card or get your money.

Here’s what to know if your payment comes in the form of a debit card.

  • Look for the prepaid card (and its envelope) in the mail. The envelope will be from “Money Network Cardholder Service.” Inside will be a VISA-branded prepaid card issued by MetaBank. This card will give you access to your economic impact payment.
  • Activate the card immediately. The mailer will give you instructions on how to activate the card, but here’s the deal: You can activate your card by calling 1-800-240-8100 or visiting USdebitcard.gov and clicking on the EIP card link. To activate your card, though, you’ll have to give them your Social Security number. Once you activate your card, you can get cash or use it anywhere that accepts VISA debit cards. There are no fees associated with transferring the money from the card to your personal bank account. Keep in mind that EIP cards will expire after three years. When that happens, the bank will send any money left on the card to you.
  • Questions about the card? Money Network has a 24-hour call center: 1-800-240-8100. You can call to check your card balance or just ask questions. There’s also more information and a quick video from the Consumer Financial Protection Bureau to answer questions you might have.

Most important, remember: unless you’ve asked for assistance, no one will ever call you about the EIP card. And no one will text, email, or ask you to click on a link they sent to activate this card or to get your money. If someone does, stop. It’s a scammer. Don’t give them your Social Security or debit card number, or any other information. Then report it to the FTC at ftc.gov/complaint.

Источник: https://www.consumer.ftc.gov/blog/2020/05/what-know-about-economic-impact-payment-debit-cards?page=2

FAQ

Why did I receive this card?

Many companies use Blackhawk Network to purchase reward or incentive cards for their employees, clients or customers. The specific reason why the reward or incentive card was purchased for you is not shared with us. Rest assured, this is not a credit or debit card, so no charges are taken from you, and it was already paid for by the company that sent you the card. For more details, we recommend contacting the company that purchased your card.

How do I use my card?

You may use your Mastercard® or Visa® Reward Card to obtain goods or services everywhere Debit Mastercard or Visa debit cards are accepted. When you make a purchase, you should ask the cashier to run it as a Credit transaction.

What is the card limit or balance?

The card balance can be checked at omnicard.com/cards  by selecting “Check Balance” from the options. You will need to enter the 16-digit card number and the 3-digit CVV/CVN from the back of the card and then select the “Check Balance” button. There is no fee to check your balance.

How do I activate my card?

Your card may already be activated. In order to check, go to omnicard.com/cards and select “Activate Card” from the options. You will need to enter the 16-digit card number and the 3-digit CVV/CVN from the back of the card and then the “Activate Card” button.

How can I set or change the PIN number?

To set or change the PIN, visit our website, omnicard.com/cards and select “Card PIN Info”. You will need to enter the 16-digit card number and the 3-digit CVV/CVN from the back of the card to create your own PIN. As an alternative you can swipe the card as CREDIT in order to avoid the POS requiring a PIN to complete the transaction.

Does my card expire?

YES, prepaid cards do expire. Your card expires on the date printed on the front of your card. Once that expiration date is reached, your card will no longer be usable and the funds will not be accessible. We strongly recommend that you use your card well ahead of the expiration date.

 

Gift cards do not expire, and do not have an expiration date printed on the card.

Do gift cards have expiration dates or non-use fees?

It’s important for you to understand all the facts about your gift card. Although the majority of the cards we issue do not have expiration dates or card fees, please read the Terms & Conditions of each gift card as shown on the respective gift card page of our site. Note that Blackhawk Network issues the 76, Choice, Conoco, ExxonMobil, Phillips 66, Sunoco, Chevron and Texaco branded gift cards; these brands do not have metabank visa debit card balance dates or non-use fees associated with their cards.

 

Gift cards do not expire, and do not have an expiration date printed on the card.

Are there any service fees?

A Foreign Transaction Fee of 3% of the purchase value is charged for foreign transactions.

If your card is lost or stolen, a $5 Replacement Card Fee will be charged to replace your card.

If your card has ATM access: A $2 Fee for ATM Withdrawal (USA) to withdraw cash from a U.S. ATM, a $4.75 Fee for ATM Withdrawal (International) to withdraw cash from a foreign ATM, and a $.75 Balance Inquiry to retrieve your balance at an ATM.

Can I use the card more than once?

Yes. Most cards we offer are “multi-use cards,” which means that you can use them on more than one occasion. Multi-use cards will decrease in value each time that you use them, until the balance on the card is zero. After the balance is zero, you can either reload the gift card (brand dependent) or simply throw it away.

How can I check my card balance?

Before you go shopping, you should know how much money you have available on your gift card. Merchants cannot tell you how much money you have remaining on the card. You can check your balance anytime by clicking on the Check Balance link on this website.

Why is the balance of my card lower than what it should be?

If you were making a purchase and the transaction was either canceled out by the merchant or declined, the merchant transaction system most likely put a hold on those funds. This hold is common with some transactional systems where the merchant is authorizing the amount of the transaction, but not taking the funds until a later time. For instance, if you buy a product online, you may see that your card is not charged until the product ships.

 

When this occurs, if your purchase was not finalized, the merchant will issue those funds back onto the card—note that this process can take 7–10 business days. For further card balance questions, call the toll-free number on the back of your card to speak with metabank visa debit card balance agent.

Can I use my card at an ATM?

Some of the Visa Reward Cards we issue do have ATM access. Check the back of your card thank you for smoking sign know for sure. If your card has ATM access, the fees will be described. If the back of your card does not contain ATM usage fees, then your card does not have ATM access.

 

When this occurs, if your purchase was not finalized, the merchant will issue those funds back onto the card—note that this process can take 7–10 business days. For further card balance questions, call the toll-free number on the back of your card to speak with an agent.

How can I return a damaged card, or a card with a balance that will not work?

Please refer to the number on the back of the gift card to reach the retailer’s customer service team. For problems with an SVM issued gift card brand including 76, Chevron, Choice Hotels, Conoco, ExxonMobil, Phillips 66, Sunoco, and Texaco visit our Gift Card Returns website by clicking www.GiftCardReturns.com. 

Why was I not able to use the card for an online purchase?

Most online shopping carts have a security measure in place to verify the “billing address” and name associated with the credit or debit card. When your card was purchased, your address and/or name may not have been assigned to the card. To update this information:

  • Go to omnicard.com/cards and select “Register Card” from the options. You will need to enter the 16-digit card number and the 3-digit CVV/CVN from the back of the card metabank visa debit card balance then select the “Register Card” button. Then follow the instructions to input your home address.
  • Contact Customer Service at 1.877.357.4975. 

 

Then when using the card online, make sure to use the address you registered the card under as the Billing Address in the shopping cart.

Why was my card declined at a restaurant?

Restaurants and other service merchants often run a card for 20 percent more than the total bill to cover gratuity. If the card will not cover the additional amount, ask the cashier to run the card for the amount available. Be prepared to pay the gratuity or bill difference with another form of payment.

Why wasn’t I able to use my card at a gas station?

Payment processing terminals at gas stations may vary. In general, the best way to use your card at a gas station is to pay inside. Tell the attendant to only charge the amount you specify and to run the card as a “credit” transaction.

Do you provide refunds for purchased gift cards?

Remaining card balances may be subject to refund as required by law. Although we may ask qualifying questions, there is no need to mail in your card(s) or complete any form. Please call customer service at 800.786.8028 Monday–Friday 8:00 a.m. to 5:00 p.m. CT, excluding holidays, to request a refund for:

  • A specific brand we issue (including, but not limited to 76, Chevron, Choice Hotels, Conoco, ExxonMobil, Phillips 66, Sunoco and Texaco)
  • A Blackhawk Network–issued card that has a value of $10 or less

 

On occasion, merchant transaction systems are not set up to check your card’s balance before authorizing the transaction; these processing errors can lead to declines.

Why is my card not working?

The most common answer to this is the purchase amount you were attempting may have been greater than the available balance on your card. To verify if this is the case, please check your card balance and make sure it is equal to or more than your purchase amount.

On occasion, merchant transaction systems are not set up to check your card’s balance before authorizing the transaction; these processing errors can lead to declines.

Источник: https://blackhawknetwork.com/on-demand/faqs/

Western Union® Netspend® Prepaid Mastercard®

  1. Fees for money transfers vary and will be calculated at the time of the transfer transaction. Fees, terms and conditions apply, which you must agree to before using the Service. No fee to receive Western Union® money transfers onto your Western Union® Netspend® Prepaid Mastercard®. This optional offer is not a MetaBank®, National Association, product or service nor does MetaBank, N.A., endorse this offer.
  2. Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability metabank visa debit card balance funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.
  3. 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 us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.
  4. The Netspend Network is provided by Netspend Corporation and its authorized agents. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.
  5. No charge for this service, but your wireless carrier may charge for messages or data.
  6. The Pay-As-You-Go Plan is the default Plan Fee on the Card Account. Cardholder may enroll in the Monthly Plan to pay a flat fee of $9.95 per month instead of paying a fee for every purchase transaction under the Pay-As-You-Go Plan. Neither Plan Fee option includes any other fees. If cardholder receives $500 in payroll or government benefit direct deposits in 1 calendar month, cardholder will qualify for the Reduced Monthly Plan. After qualifying, Monthly Plan Cardholders will receive the Reduced Monthly Plan Fee of $5 on their next Plan Fee assessment date. Pay-As-You-Go Cardholders must enroll in the Reduced Monthly Plan to receive it.
  7. Receive one (1) digital coupon for a one-time Custom Card Fee ($4.95) waiver when you qualify for the Western Union(R) Netspend Prepaid Mastercard reduced monthly fee plan. Activation and ID verification required. Waiver valid for 365 days after activation.  Custom Card Fee applies to all other Custom Card orders.  Offer not valid for Western Union(R) Netspend Prepaid Mastercard Cardholders who do not currently have a valid coupon for a Custom Card Fee waiver.  Limit one (1) offer per Card Account. Metabank(R), N.A., and Mastercard do not endorse or sponsor this optional offer.  Photograph (full-size or passport-type) must meet Custom Card Image Guidelines.  See your Online Account Center for details.
  8. Custom Card Fee applies. Picture must meet Image Guidelines. If custom card is lost, stolen, or damaged, any request for: (a) a replacement custom card requires resubmission of image and payment of Custom Card Fee; or (b) a replacement standard card requires payment of standard Replacement Card Fee. See online custom card FAQs and the Fee Schedule in the Cardholder Agreement.

 

The Western Union(R) Netspend(R)

Prepaid Mastercard(R) is issued by MetaBank, National Association, Member FDIC, pursuant to license by Mastercard International Incorporated. Netspend is a registered agent of MetaBank, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Card may be used everywhere Debit Mastercard is accepted.

Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.

© 2021 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.

Send money online to 200 countries and territories with more than 500,000 Western Union agent locations.
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Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985. These licensed companies may be verified through the NMLS Consumer Access website - https://www.nmlsconsumeraccess.org/.

Western Union Financial Services, Inc. and Western Union International Services, LLC are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.

logo_horizontal-1logo_symbol-1
Источник: https://www.westernunion.com/us/en/netspend.html

Here's everything you need to know about the stimulus debit cards

Approximately four million Americans will receive their coronavirus stimulus check in the form of a prepaid debit card.

"Prepaid debit cards are secure, easy to use and allow us to deliver Americans their money quickly," Treasury Secretary Steve Mnuchin said in a statement last month. "Recipients can immediately activate and use the cards safely."

However, there's been confusion around the cards, which arrive in a plain envelope from "Money Network Cardholder Services," with the name of the issuing bank, MetaBank, N.A., on the back. Some people, expecting their economic impact payment in the form of a check or direct deposit, are mistaking the mail as junk or the cards as a fraud.

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The cards, issued through Treasury's U.S. Debit Card program, were mailed out starting in mid-May. Here's what you need to know about them.

Will I receive an EIP card?

If you're eligible for an Economic Impact Payment and didn't receive it via direct deposit or paper check, you could be among the approximately four million Americans getting a card.  

Chances are, you won't be alerted ahead of time that your payment is coming in the form of a prepaid card: The decision to mail them out wasn't widely known before the first batch was sent in Metabank visa debit card balance. Look out for a plain envelope from "Money Network," a division of Fiserv, which is a global provider of financial services technology.

In addition to the card, there should also be a letter in the envelope. Look for the names "MetaBank," the retail banking arm of the Treasury Department, and "Money Network" in the letter to ensure it's a legit card.

The second round of prepaid economic impact payment cards started going out to recipients in January.
Photo illustration / EIPcard.com

How much money will be on my EIP card?

It depends on how much you earn. The Economic Impact Payments are worth up to $1,200 for individuals and $2,400 for couples, plus $500 for eligible dependents. If you earn more than $75,000 as an individual or $150,000 as a couple, the total amount you're eligible to receive starts to decrease. And if you earn $99,000 or more as an individual or $198,000 as a couple, you aren't eligible to receive a stimulus payment. 

To determine the amount you will receive, the government will look at your 2019 tax returns if you already filed and 2018 information if you didn't yet file.

You can check your card balance online (you have bankamericard cash rewards credit card register as a new user on eipcard.com, which provides information on how to use the cards) or by calling customer service at 1-(800)-240-8100.

Use this stimulus check calculator to figure out exactly how much money you should be receiving from the government and make sure it aligns with your balance. If it doesn't, call customer service.

Do I have to activate my EIP card?

Yes. Before using your card, you have to call 1-(800)-240-8100 to activate it. You'll be asked to enter your card number, last six digits of your Social Security number and the three-digit security code on the back of your card.  

You'll also be asked to set a four-digit PIN, which you'll use for any ATM transactions, automated assistance and to hear your balance.

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Where can I use my EIP card?

You can use it to make purchases anywhere Visa debit cards are accepted, and you can pay in-store, online or over the phone. You can also get cash back at participating merchants after making a purchase: select "debit" on the keypad at the register, enter your four-digit PIN, select "yes" for cash back and enter the amount you want back.

You can use your card at an ATM, though there's a $1,000 ATM withdrawal limit. To avoid fees, you'll have to withdraw from the AllPoint network of ATMs. You can find one close to you by using this ATM locator from eipcard.com. You can get cash using an out-of-network ATM, but it will incur a fee.

Finally, you can transfer funds from your card to an existing bank account online at eipcard.com or using the Money Network Mobile App. You'll need the routing and account number associated with your bank account. Expect the transfer to show up in your bank account after one to two business days.

Can I use my EIP card to pay recurring bills?

What happens if I accidentally throw my card away?

Источник: https://www.cnbc.com/2020/06/03/everything-you-need-to-know-about-the-stimulus-debit-cards.html

 

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Get started

Card Purchase

N/A

 
Monthly Usage

Monthly fee

$4.95

is assessed 30 days after activation and waived in any month in which you load $500 or more.

Spend money

PIN Transactions

$0.75

assessed on PIN debit transactions.

Get cash

ATM withdrawal (in-network)

$2.50

“In Network” includes MoneyPass ATM locations.  For locations, visit www.myfastermoney.com. is waived if you make one non-tax refund load (Qualified Load).

ATM withdrawal (out-of-network)

$2.50

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

Bank Teller Cash withdrawal (U.S. or International)

1.5%

Of the withdrawal value. International Transaction Fee may also apply.

Information

Customer service (automated)

N/A

No fee for calling our automated customer service line, including for balance inquiries.
Using your Card outside the U.S.

International transaction

3%

Of the U.S. dollar amount of each transaction. Only available for Verified Cards.

International ATM withdrawal

$2.50

This feature is only available on Verified Cards. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International Transaction Fee may also apply.

Third-Partyfees

Delayed Funding - Mobile Check Load (via Ingo)

$0

We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice. This feature is only available on Verified Cards.

Expedited Funding - Mobile Check Load (via Ingo)

Greater of 4% or $5.00

You will be charged 4% of the check amount with a $5 minimum. We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice. This feature is only available on Verified Cards. Via mobile phone - data and text rates may apply.

Visa ReadyLink Cash Load

$3.95

We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice. This Feature is only available on Verified Cards.

Western Union Cash Load

$3.95

We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice. This feature is only available on Verified Cards.

Green Dot Cash Load

$4.95

We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice. This feature is only available on Verified Cards.

MoneyGram Cash Load

$3.95

We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice. This feature is only available on Verified Cards.

Other

Card Replacement

$9.95

7-10 Business Days for standard adp atm near me no fee Shipping

$9.95

shipping. may be assessed in addition to a standard Card Replacement .

Check Refund Fee

$9.95

Charged when you initiate closure of your card account and any remaining funds are sent to you via check.

Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to MetaBank, N.A., an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event MetaBank fails, if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.

Contact Customer Service by calling 1-855-638-2226, by mail at P.O. Box 91607 Sioux Falls, SD 57109, or visit www.myfastermoney.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.

FasterMoney® Visa® Prepaid Card Cardholder Agreement

CUSTOMER SERVICE CONTACT INFORMATION:
Address: P.O. Box 91607 Sioux Falls, SD 57109
Website:www.myfastermoney.com
Phone Number: 1-855-638-2226

IMPORTANT NOTICES:
(1) PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION 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 METABANK’S PRIVACY POLICY (INCLUDED).

This Cardholder Agreement (“Agreement”) sets forth the terms and conditions under which the FasterMoney Visa Prepaid Card (“Card”) has been issued to you by MetaBank®, National Association. In this Agreement, general references to “Card” include, unless otherwise specified, both Verified and Unverified Cards. “Verified Cards” are cards for which you have provided MetaBank personally identifying information that has been verified through our customer identification process. “Unverified Cards” are cards that are registered with limited personal information provided by you, but have not been run through our verification process. Your Card may or may not be pre-loaded with funds as for visiting the retail location where you obtained the Card. As used in this Agreement and your Fee Schedule, “Qualified Load” means a cash, mobile check or ACH credit (direct deposit) load, excluding tax refunds or incentive loads, if applicable. " You" and "your" means the person or persons who have received and are authorized to use the Card as provided metabank visa debit card balance in this Agreement. "We," "us," and "our" mean, MetaBank, National Association, member FDIC, and its divisions or assignees. 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.

2. YOUR CARD FUNCTIONALITY

A. Unverified Cards

You are not required to verify your Card through the verification process explained below. If you choose not to do so, you will be limited in functionality and protections, as indicated throughout this Agreement. You will not able to load funds, enroll in direct deposit, or conduct international transactions to your unverified Card. If you would like to enable these additional or ensure your Card is protected by FDIC insurance, you must go through the verification process below. Card verification takes place at the retail location where you received the Card. If you do not go through the identity verification process in the retail location where you obtained your Card, and you want the features of a Verified Card, you must enroll for a new Card at www.myfastermoney.com (our “Website”) to be run through verification.

B. Verified Cards

Important information for verifying a Card: 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 Verified Card.

What this means for you: When you open a Verified Card account, we will ask for 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 identification documents at any time. We may limit your ability to use your Card or certain Card features until we successfully verify your identity.

Eligibility and Activation: To be eligible to use and activate a Card, you represent and warrant to us that: (i) you are at least 18 years of age; (ii) the personal information that you have 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.

C. Personalized Cards

If you iphone printers walmart a Qualified Load to a Verified Card, chase visa united mileage plus credit card will send you a “Personalized Card,” which is a card with your name embossed on it. Otherwise, you may receive a Personalized Card without a Qualified Load only by requesting one from Customer Service. Personalized Cards do not affect the functionality of your Card. Once you activate your Personalized Card, you will no longer be able to use your original Card plastic. When you activate the Personalized Card, your balance and any associated direct deposit enrollment information transferred automatically from the original card you received to the new Personalized Card.

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 Verified 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 Verified 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 Verified 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 Verified Card or other means, first farmers and merchants cannon falls mn 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:
Visa Zero Liability policy covers U.S. issued cards only and does not apply to 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 these disclosures, our business days are Monday through Friday, excluding Federal holidays.

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, 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.

You CANNOT use your Card (i) exchange your Card for its cash value; (ii) perform any illegal transactions; (iii) use the bank routing number and account number to metabank visa debit card balance a debit transaction with any item processed as a check (these 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 Verified Card account: You may add funds to your Verified Card, called “loading,” (i) Automated Clearing House ("ACH") loads (e.g., direct deposit); (ii) Loading cash through one of our reload locations (a list is available at our Website or by calling our Phone Number) and (iii) Remote Deposit Capture. 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 Fee Schedule. If you arrange to have funds transferred directly to your Verified 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 Verified 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. We will reject any loads that exceed the maximum balance allowed on your Card. There are also maximum load restrictions we may place on your Card when aggregated with any other Cards you have. 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. Limits

Load, Withdrawal and Spend Limits (Third parties may impose additional limitations)

Load LimitationsLimit

Maximum Card balance at any time

$10,000

Total number of times you can reload your Verified Card

Five (5) times per day.

Maximum ACH credit (direct deposit per load). Verified Card feature only.

$10,000 per day.

Remote Deposit Capture (via mobile phone – data and text rates apply). Verified Card feature only.

$2,500 per day.

Cash Deposit. Verified Card feature only.

$950 per day.

Withdrawal LimitationsLimit

Total number of Domestic ATM withdrawals

No more than five (5) transactions totaling $2,500 per twenty-four (24) hours

Total number of International ATM withdrawals

No more than three (3) transactions totaling $500 per twenty-four (24) hours

amount of over the counter cash withdrawals

$5,000 in a twenty-four (24) hours

amount of cash back withdrawal

No more than three (3) transactions totaling $500 per twenty-four (24) hours

Spend LimitationsLimit

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

$2,500 per day

C. 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) can i day trade on td ameritrade 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 3% on the total amount of the transaction. If the Foreign Transaction results in due to a return, fcb business online banking will not refund any Foreign Transaction Fee that may have been charged on your original purchase.

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; metabank visa debit card balance
(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.

If your account is registered and verified with us, you also have the right to obtain at least 24 months of written history of account transactions by calling or by writing Customer Service

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 Verified 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. 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.

F. 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. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR VERIFIED CARD

A. Warning Regarding Unverified Prepaid Accounts

It is important to register your Card as soon as possible. Until you register your account and we verify your identity, we are not required to research or resolve any error regarding your Card account. To register your account, contact us at our Website or via our mobile app. We will ask you for identifying information about yourself (including your full name, address, date of birth, and government-issued identification number so that we can verify your identity as explained above.

9. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR VERIFIED CARD

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 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. In any case, we may limit our investigation of any alleged error that you do not report to us within 120 days of the posted transaction. You will need to tell us:
   (1) Your name and prepaid account or Card number.
   (2) Why you believe there is an 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.

10. ADDITIONAL TERMS OF AGREEMENT

A. Personal Identification Number (“PIN”)

You will receive a Personalized Identification Number ("PIN") by calling Customer Service at the Phone Number above. 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 Fee Schedule 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 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 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.

11. 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 i pray for you more than i pray for myself 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

Regardless of where or how we are served, 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 valid fallout 1st reddit to you or your Card. You agree that we will honor process that is served personally, by mail, or by facsimile transmission at any of our offices (including locations other than where the funds, records or property sought is held), even if the law requires personal delivery at the office where your Card account records are maintained. You agree that we will have no liability to you for honoring any such legal process. You also agree that we will have no obligation to assert on your behalf any applicable exemptions to execution or attachment under any applicable state or federal law. We will enforce a right of interest against any of your Card accounts in order to reimburse us for our fees and expenses, including attorneys’ fees, court costs expenses, in complying with process. 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. We may deduct such expenses from your Card account or any other account you may have with us without prior notice to you, or we may bill you directly for such expenses and fees. You agree to release and indemnify, defend and hold us harmless from all actions, claims, liabilities, losses, costs 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 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 shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement will not be affected. This Agreement will be governed by the law of the state of South Dakota except to the extent governed by federal law. 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.

12. 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 SHALL 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.

13. 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 metro pcs pay my bill section, our “ Notice Address” MetaBank, Attn: Customer Service, 5501 S Broadband Ln, Sioux Falls, SD 57108.

Background and Scope.

QuestionShort AnswerFurther Detail

What is arbitration?

An alternative to court

In arbitration, a third party arbitrator metabank visa debit card balance solves Disputes in an informal hearing.

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 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 Card number. State that you “opt out” of the Arbitration Clause.

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 arbitrate or require 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. 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"), 1633 Broadway, 10th Floor, New York, NY 10019, 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 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.

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"), 1633 Broadway, 10th Floor, New York, NY 10019, 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 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. We will not demand arbitration of any lawsuit you bring as an individual action in small-claims court. However, we may demand arbitration of any appeal of a small-claims decision or any small-claims action brought on a class basis.

Are you giving up any rights?

Yes

For Disputes subject to this Arbitration Clause, you give up your right to:
Have juries decide Disputes.
Have courts, other than small-claims courts, decide Disputes.
Serve as a private attorney general or in a representative capacity.
Join a Dispute you have with a dispute by other consumers.
Bring or be a class member in a class action or class arbitration.
We also give up the right to a jury trial and to have courts decide Disputes you wish to arbitrate.

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. This Arbitration Clause will be void if a court rules that the Arbitrator can decide a Dispute on a class basis and the court's ruling is not reversed on appeal.

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. Punitive damages are governed by the constitutional standards that apply in judicial proceedings.

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.

Process.

What must a party do before starting metabank visa debit card balance 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 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 orsubject 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. It can be made if a party begins a lawsuit on an individual basis and then tries to pursue a class action. Once an arbitration demand is made, no lawsuit can be brought and any existing lawsuit must stop.

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 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.

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 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 metabank visa debit card balance 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 metabank visa debit card balance the Arbitrator, within 14 days of the ruling. Upon such request, the Arbitrator will explain the ruling in writing.

card is issued by MetaBank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. © 2020 MetaBank

Источник: https://www.myfastermoney.com/cardholder-agreement-fm-ra-v2

Gift & Travel Cards from Union Bank

Union Bank partners with MetaBank®* to offer gift cards and travel cards. Existing customers can stop by any of our convenient locations to purchase or load a card. Certain fees and restrictions apply. Contact your local branch for additional information.

Having a hard time figuring out the perfect gift to get someone? Why not purchase a gift card? Union Bank makes it easy to shop for friends, family, employees or anyone you choose with Union Bank Visa gift cards. Gift cards are a wonderful way to surprise the ones you love. For birthdays, anniversaries, babies, holidays, graduation, they are the perfect gift. Also, a gift card won’t have to be returned because it’s the wrong size, style or color. Everyone loves gift cards!

Cards are Visa branded so they can be used anywhere Visa is accepted. The cards can be loaded in amounts of $10.00 – $750.00. (Cards are not re-loadable.) Do all your gift shopping at one convenient location—no more running around town wasting time and fuel.

Do you plan to travel soon? Keep your money safe by using a travel card instead of cash. The Union Bank travel card is a prepaid card that is generally usable in the place of a debit or credit card and can be used worldwide everywhere Visa debit cards are accepted. You can withdraw cash at an ATM, pay for purchases, and make travel reservations.

It is just as secure as a debit or credit card, since the prepaid travel card is protected by a PIN and/or signature. In fact, some would say that prepaid travel cards are even more secure, since the money is not linked to your bank account and has a limited balance. It can also be a handy tool for budgeting, since you would load only the money you plan on spending for the trip onto the card, which helps you stick to your travel budget. The cards can be loaded in amounts of $100.00 – $5,000.00 with a maximum balance of $10,000.00. The cards are also reloadable so you can reuse the card again and again.

View card activity and setup text message alerts at https://www.ycncard.com** or by downloading the MetaWallet mobile app. Cardholders may also call 855-887-1835 to access card information.

Stop by your local branch and get your travel card today!

*Prepaid cards are issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and pursuant to license by Mastercard® International Incorporated. Mastercard is a registered trademark, and the how to get routing and account number design is a trademark of Mastercard International Incorporated. Use everywhere Visa debit and Debit Mastercard are accepted. Gift Cards valid only in the U.S. and have no cash access.

**Note: By clicking on the links above, you will be leaving Union Bank’s website. Union Bank is not responsible for the products, services or overall website content of the site. The privacy policy to the site to which you are going may differ from Union Bank’s privacy policy. Consult the privacy disclosure of the site to which you are going for further information on the privacy policies of that site.

Источник: https://www.unionbanknc.com/resources/gift-and-travel-cards/
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