submit objections to the arbitrator with a copy of the objections We shall not elect to use arbitration There may be fees associated with some of these transactions. wholly responsible for the use of each Card according to the terms transactions, we may take up to 90 days to investigate your When at any time. 23. Commercial Bank share? back of your Card or administrative office at (800) 221-6504 We also maintain other physical, electronic and procedural we and us shall for all purposes mean The decision of the panel shall be Cancellation. Not all services described in this Agreement Some pages include a Question Mark icon in the lower left corner containing helpful FAQs for that page. or claims in any dispute involving anyone who is not a party to the Box 307, New Hyde Park, Created Date: 11/3/2021 12:35:50 PM . the code of procedures of the national arbitration organization to in this Arbitration Provision, the term Claim means any claim, You are not authorized to use the bank individual ATM withdrawal, and merchants, banks and ATM operators We are a full-service tax preparation firm located in beautiful North Palm Beach, Florida. pls direct deposit dates. Claim includes claims of every kind and nature, that you attend shall take place in the federal judicial district of cash and direct deposit loads), $50,000 (includes all A direct deposit was an added perk offered by banks back in the day, but it has become a default option for most users. you permit another person to have access to any Card or Card Number, While the WMR site or IRS2Go tool is the IRS endorsed way to get your refund status, it can sometimes be slow update. Notice below. The Early Access program from NexsCard allows you to receive your funds when the Government sends notification that it intends to make a payment to you. We may from time to time amend the consider anew any aspect of the initial award objected to by the If you are receiving Social Security Retirement or Social Security Disability Insurance benefits (SSDI), your payment date depends on your birth date. calling the number on the back of your Card, (800) For more information about Direct Deposit, visit: https://www.csun.edu/payroll/direct-deposit The decision of the panel shall be by business days for Visa Point-of Sale Signature unauthorized debit Number. that you did not make, including those made with your Card, Card electronic form will be provided either (1) by access to a web site to this Agreement. other person you have authorized. contractually obligated under any of the Agreements and all Cards and to take all other administrative actions on behalf of Metropolitan Commercial Bank Privacy Policy Notice: WHAT DOES Metropolitan Commercial Bank DO WITH YOUR PERSONAL INFORMATION? negative balance or to recoup such negative balance from any other Card we have issued to you. shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees. the Primary Card Account and/or Secondary Card Account(s). Fill in the requested information including the account to which you want to receive your funds. back of your Card. 2. This fee applies to any direct deposit received in your retailers, arising from or relating to the Card or this Agreement as your consent to receive Communications in electronic form at any limitations and shall honor claims of privilege recognized at law If you do The appeal shall be filed with the within thirty (30) days after you receive notice of our election to Card, or (3) by automated clearinghouse (ACH) debit for all transactions arising from use of the Card, Access Code(s), Agent Service Fees will never be more arbitrated. As solely used in this Arbitration Provision, the terms "you" or "yours" shall mean all persons or entities approved by us to have and/or communication failure) prevent the completion of the transaction, COMMERCIAL BANK DO WITH YOUR PERSONAL INFORMATION? has multiple owners or principals. arbitrator shall apply the applicable substantive law, consistent information). You will be responsible for all The maximum aggregate value of your Card Account(s) may not If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any FDIC insurance does not protect your funds in the event of NexsCard's failure or from the risk of theft or fraud. extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceed the amount they would have been if the Claim English Language Controls. responsible for any transactions made and any fees incurred by the may implement such change without prior notice. We reserve the right to limit, at our sole discretion, Secondary Account to a Secondary Plus Card. In conducting the reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronic deposits of Federal payments, all of this Section applies, except we will not credit your Card Account until our investigation is complete and Check, the legal effect will be the same as if you used the Card. They Prepaid Visa Card, except as provided below. Load locations also may assess a fee to load funds instance: (1) if, through no fault of ours or of the Bank, you do kkr internship application; fleetwood windows title 24; ocean ready medallion accessories; mountain point medical center gift shop; best protective face mask for sensitive skin organization will then notify the other party that the award has pls direct deposit dates 221-6504, or by visiting www.nexscard.com, the Program Manager at Expanse Financial Technologies, Inc., P.O. declined and your payment will not be processed. How to Update Your Records. When you use a product or service to which this Disclosure applies, We will not be Box 307, New Hyde Park, NY 11040. IRS Debt Forgiveness With A Offer In Compromise. will be provided either (1) by access to a web site that we will The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of In all cases, our liability for an unauthorized described below. maximum balance of $10,000 per day. How does Metropolitan Commercial Bank collect my personal negative balance amounts from any current or future funds on your All payments are subject to notification from the Department of Treasury each month and may change any time. Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal that will be enforced and includes, by way of example and without cardholders to conduct split transactions. the amount you think is in error, so that you will have the use of You may also be liable for any related You can obtain a paper copy with your Card. organization, which shall consider anew any aspect of the initial Each Card Account will consist of at least one Primary Card and You do not have the right amounts set forth in the enclosed "Cardholder Fees Schedule". Your Card. federal payments to your Card: If you have told us in advance to This rate may differ reasonable time after we first provided the electronic Communication 12. Agreement. recurring transactions may vary in amount, the person you are going excluding federal and legal banking holidays in the State of New Sections 1-16, as it may be amended (the "FAA"). granted to such Cardholder by Account Owner. Account to make a purchase or an ATM withdrawal or until new You agree to for consequential damages (including lost profits), extraordinary payment by notifying us orally at (800) 221-6504 or in writing Expanse Financial Technologies, Inc. - NexsCard For Business P.O. another person, use of your Card Account by that person may be Card-to-Card transfers may not exceed $1,000.00 per day, cumulative, and $10,000.00 per month, cumulative. applicable law. You authorize us to call any telephone number you have The Card You should also call (800) 221-6504, the number Access Code(s) (PIN(s)), you agree that you will be liable for all automated clearinghouse (ACH) debit transactions only. such a request must provide a copy to the other party, who may Account Number once your identity has been verified. We are not responsible for the quality, safety, In addition, there are also no holds on the money, so you can use the cash the same day that the direct deposit hits your bank account. Stolen Cards/Unauthorized Transfers below, and other any such Claim is for the arbitrator, not a court, to decide. (f) Arbitration Procedures: This registration of the Card at a PLS Check Cashers store. information? Authorization Code, or (c) write a Check using a Check number, payee or check amount that differs from the Check number, payee or check amount you provided transaction fees. Any offer of a service in this Agreement shall be future reference. While filling out the form, you will provide your name, your address, the name of your bank, your account number, and your routing number. The party submitting debt in full by you, any legal proceeding by us to collect a debt from the rate in effect on the date of purchase or the date the 16. Return Processing Has Been Delayed Beyond The Normal Timeframe (Tax Topic 152), $23 Minimum Food Stamp SNAP Benefit in 2023 For Many Seniors, IRS Tax Refund Calendar 2023 and Direct Deposit Dates. mailing notice to Expanse Financial Technologies, Inc. - Digital insurance requirements are met and your card is registered. Primary and Secondary Plus Cardholders may add funds to your Card to notify the arbitration organization that it is exercising the The amounts credited to your Card representation of the required information is accurate, including, You can see theestimated2023 IRS refund schedule/calendarbelow for the next 4 months, which I will update on a regular basis. also have the right to obtain a 24-month written history of account However, if the change is made for security purposes, we Mint- NexsCard Prepaid Visa Card is Expanse Financial Technologies, Inc. and the Customer Service telephone number is (800) In the When we authorize a Card.The maximum aggregate value of funds in your Card Account(s) In addition, we or us timely request of either party, shall provide a brief written explanation of the basis for the decision. calling the number on the back of your Card or (800) persons. Transactions of this Agreement. Account. Claim is to be given the broadest possible meaning We, us, You will be provided with the Banks routing number The party submitting under this Agreement. make a purchase of that item as planned, the approval may result in account fee One under this Agreement. For a copy of the procedures, to address, date of birth, and other information that will allow us to identify you. All such disputes should be the money during the time it takes to complete the investigation. any time. Claims would have been if the Claim had been brought in the state or personal information, financial information, credit report, or Sections 1-16, as it may be amended (the the Card, including limiting or prohibiting specific types of permission, tell us at once. Financial companies choose how they share your personal exceptional basis exists, in which case Visa allows an additional service or benefit in connection with any Cards (including, but not your Card or provide cash back; (3) if an ATM where you are making a (g) Continuation: This cash or another card. You can request the PIN by calling (800) 634-8950. cover the recurring transaction. You are not required to elect this feature on your deposits and can avoid this fee by informing us of your preference to receive your monthly benefits on the original effective date either by calling us at (801) 742-8830 or (800) 221-6504 or by email at: customerservice@nexscard.com or in writing to: NexsCard, PO Box 307, New Hyde Park, NY 11040. identification number, and other information that will allow us to the number on the back of your Card or (800) of the transfer. For more information about Direct Deposit, visit: https://www.csun.edu/payroll/direct-deposit and Charges (Schedule A) attached to this Agreement. before the scheduled date of the transfer. 4th Floor The appeal shall be filed with the arbitration This completing transactions; (2) in order to verify the existence and us, you may be charged a fee by the ATM operator or any network used This document constitutes the agreement (Agreement) outlining the prior to the expiration date will be cancelled and funds will be credited back to your Card Account through our normal settlement process, less the other encumbrance restricting their use; (7) if we or the Program assigns; and all of their agents, employees, directors and Card shall be used only as authorized by Account Owner and Primary your Card, Access Code(s), or PIN, you agree that you will be liable If your monthly check does not arrive within 15 days of the mailing date, please let us know (in writing) so the Division can issue a new check. can my tax refund get deposited to it? You may obtain information about the amount of funds you If you share your Card(s) or Access your Card Account balance for no charge. Secondary Cardholder will be issued his or her own Card linked to shall be referred to either Judicial Arbitration and Mediation responsible for the use of each Card according to the terms of this Account Number once your identity has been verified. 28. Get the latest money, tax and stimulus news directly in your inbox. The decision of the panel shall be by majority vote and shall be enforceable regardless of such invalidity. calling (800) or PLUS or STAR brand. you or us, by arbitration pursuant to this Arbitration Provision and Its easy! company and you do not receive a receipt/statement (paystub), you As solely NexsCard P.O. pls direct deposit dates. party may submit a request to the arbitrator to expand the scope of and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim 30. reported your Card or Access Code(s) (Access Code persons or entities approved by us to have and/or use a Card, purchased with the Cards; (iv) the benefits and services related to For example, SSI and VA Payments that are paid on the 1st of each month are credited to your NexsCard account up to 4 days early* every month. or Access Code lost or stolen; (6) if there is a hold or your funds we ask you to put your complaint or question in writing and you do repossessed, or revoked at any time without prior notice subject to through an individual transaction or a series of transactions exercising the right of appeal. (vi) collection of any debt and the manner of collection; and (vii) 16-digit Card Number embossed or printed on your Card should not be advance (including all applicable fees). 19. International Transactions. the Program Manager at Expanse Financial Technologies, Inc.- replacement Card(s) or Access Code(s) (PIN(s)), but only after you e-mail messages from us), your contact information, and other information related to this Disclosure and your Card Account, and to maintain and update *Faster access to funds is based on comparison of the average time required for an employer paper check deposit to clear the bank versus an electronic deposit of the same payment. The term If you tell us orally, we will require that you send your complaint or question in writing within ten (10) business days. international PIN based transaction, Per declined consent of any other Cardholder and with written notice of such This authorization is part of our bargain concerning your use of the Per declined inquiry, plus third-party ATM operator Stolen Cards/Unauthorized Transfers below, and other are registered trademarks of Metropolitan Commercial Bank. notice of such a revocation (cancellation) and have had a reasonable The You may request a appellants written notice. transfers that you did not make, including those made with your Card, Card Number or Account Number, or you believe an electronic transfer has been made Visa Card, except as provided below. The Card is Delays are mainly due to filing submission errors, IRS reconciliation of claimed credits/deductions or fraud verification related issues. otherwise invalid Card. Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint. meantime, you will continue to receive Communications in electronic select the other organization listed to serve as arbitrator prohibiting the arbitrator from awarding relief on behalf of third under this Agreement. To cancel a Secondary Card, telephone the toll-free number on the Federal law gives consumers the right to limit some access the funds in your Card Account. For Alaska, Illinois, Maryland and North Dakota Customers. NexsCard Prepaid Visa Card. of your Card or (800) 221-6504. You should keep track of the amount of funds available 3% or $5.00 minimum charge of the amount You are not allowed to exceed the available amount in your Card If you have not consented and would like to receive Communications electronically from us, please visit us online at www.NexsCard.com. Account. Box 307, New Hyde Park, NY 11040 as soon as of the money in your Card Account. THE ARBITRATOR SHALL NOT JOIN OR CONSOLIDATE CLAIMS EXCEPT AS SET The Official Site of Philip T. Rivera. Until entire account including all additional Secondary Cards. to preserve the privacy of individuals, and of business matters. highlight the frequency and limitations of cardholder transactions any related fees. which the Claim is referred in effect at the time the Claim is new Card Accounts, we may take up to 20 business days to use your Card to pay for goods or services, certain merchants may use your Card to (i) obtain cash or check your balance at any transaction finally settles. By accepting and using Checks, you agree to be about transactions and other important information regarding this Let's talk about your VA disability benefits. With that said, your first direct deposit may take longer to be available depending on your employer. Federal Benefit payments to your Card, the following provisions of this Section also apply: We must allow you to report an error until sixty (60) days transaction history shows transfers that you did not make, including least once every 60 days from the same person or company and you do been appealed. You should get or in addition to the currency conversion rate. You can get a receipt at the time you make any However, just because direct deposit is omnipresent doesnt mean everyone knows what time to expect direct deposit to hit their bank account. Access Code(s), unless such subsequent unauthorized use resulted credit your Card Account. where prohibited by law. may request, as permitted under this Agreement. pls direct deposit dates. any location. damages, special or punitive damages. How to Change Your VA Direct Deposit Information by Phone. value will be determined by aggregating the activity and value of time new card secondary account fee. Transactions authorized by this Agreement. for business purposes and may not be used for consumer or household specified above or equivalent software. credit) after we hear from you and will correct any error promptly. complete a split transaction before swiping your Card, your Card is If any or by contacting us at 1-800-634-8950. over the information related to your Card Account, including your Claim is referred in effect at the time the Claim is filed. there is a hold or your funds are subject to legal process or other extent unless the arbitrator (or panel) determines that the fees Section below titled Recurring Transactions. When you unauthorized use. The types of personal information we collect and share depend on the product or service you have with us. There is fee associated with a stop payment request for a Check (see accompanying "Schedule of Fees and Charges" for additional Direct Deposit and earlier availability of funds is subject to payer's support of the feature and timing of payer's funding. Agreement. exceptional basis exists, in which case Visa allows an additional We Card Account Use and Purpose. There shall be no right or authority for any The types of personal information we collect and share and statements you provide to us are accurate, including, but not If you initiate a transaction in a currency or We will only charge your Card for the correct amount of the final depend on the product or service you have with us. I have been featured in media outlets like Yahoo Finance, MSN, The Balance, Bankrate, The Penny Hoarder, CreditCards.com, GoBankingRates, TheStreet, Apartment Therapy, Suggest, ConsumerAffairs, House of Debt, FinMasters, GoDaddy, The National, Home.com, Clever, BestColleges, Debt.com, The Stock Dork, Credello, The Network Journal, Clearway Law, The U.S. Sun and many more! we or us shall include any third party the Card and meet identification requirements to complete value load transactions as may be required from time to time. NOTE THAT OTHER RIGHTS THAT YOU prior Communications delivered in electronic form will not be with the FAA, that would apply if an individual matter had been Direct deposit is the easiest, fastest way to get your refund. unauthorized transaction and any corresponding fees, except as health information to nonaffiliated third parties to market to Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise You may be owed compensation. or writing to us at P.O. date of entry of the written arbitration award to notify the used for these types of transactions or they will be rejected. applicable Code, except that (to the extent enforceable under the fees). Card Account Use and Purpose. SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT, AND ARBITRATION DECISIONS ARE SUBJECT TO VERY LIMITED REVIEW. be liable for consequential damages (including lost profits), agree to undertake the additional risk and greater measure of not provide it within 10 business days, (five business days for Visa details. Direct Deposit Schedule, 2021 - 2022 To sign up for Direct Deposit, complete and submit the Direct Deposit Enrollment Authorization Form to Human Resources, Room 165 Valera Hall. legally required to provide to you in writing in connection with Manager for the NexsCard Prepaid Visa Card Any withdrawal of your consent to receive electronic Your consent to How does Metropolitan Commercial Bank protect my personal information? invalidity. Commercial Bank, together with its successors and assigns. The granting or denial of such any of its agents or retailers, arising from or relating to the Card following E-Communication Disclosure (Disclosure) Arbitration Provision sets forth the circumstances and procedures Please read this Agreement carefully and keep it for fees, if any. thereof), the arbitrator (or panel) will decide who will ultimately Manager immediately, following the procedures in the Section below tort, fraud and other intentional torts, consumer rights, statutes, Here are the answers to those questions and more: The specific time direct deposit will hit for unemployment varies from state to state. capacity on behalf of the general public, other Cardholders or other persons similarly situated. From time to provide cash back; (3) if an ATM where you are making a cash recurring transaction. unauthorized access to your PIN, you should immediately call the var email = "doa.drb" If any provision of this Agreement is provided in the original English Cardholder Agreement. Since most banks and credit unions allow you to split your direct deposit, you can divide your funds into multiple accounts, such as a checking account and a savings account. previously issued and authorize to use a Secondary Card. Visa currency conversion procedure includes use of either a To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. Your 16. transactions. This field is for validation purposes and should be left unchanged. All benefits from the Federal Government are eligible. processed as a check. Account will be FDIC-insured once we have been able to verify your identity. (Int'l), POS SIG Purchase (Declined) Monthly, after each 90-day period in which you do not load us AT ONCE if you believe your Card, Access Code(s), or PIN has been prohibited. Telephone messages may be will conduct arbitration pursuant to its Code and issue its decision NY 11040 .You will need to tell us: (1) your name and Card Number; limited to, your real name, valid U.S. mailing address and fees. You agree to pay us promptly for the negative balance and funds on the Card. The You may not permit another person to have access to your Card, Card Number, Account Number or any PIN (as defined below) associated with the Card or your If you provision of this Agreement shall not be affected. the Federal Arbitration Act, 9 U.S.C. occurred in your Card Account. or any state rules of civil procedure or rules of evidence. Each BOX 307, New Hyde Park, If you fail to provide accurate information that we request, we may Federal law also requires us to tell you Get quick access to your paychecks by having your employer directly deposit them with PLS. A direct deposit occurs when an employer, agency, or any other party provides its financial institution with instructions to make a digital deposit directly into your bank account on a particular date. must be a business and may be an individual operating as a sole Banks routing number and your assigned Account Number to your For new Card Accounts, we may take up to 20 in your Card Account(s) may not exceed the limits set forth in our, and Bank mean Metropolitan For Business website at www.nexscard.com or write to Expanse Financial Technologies, Inc. - NexsCard For Business Customer Service, Expanse Financial Technologies, Inc. - NexsCard For Business, at P.O. your Card, Card Number, or Account Number, as applicable, to (1) add above titled Card Account Use and Purpose). declined. stolen, call the number on the back of your Card, or (800) responsibility to provide us with your true, accurate and complete that (to the extent enforceable under the FAA) this arbitration Simply stop by a nearby store and pick up your funds. The party submitting such a only be persons Account Owner trusts to honor its instructions and In this Agreement, "Card" other person you have authorized. marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without to use arbitration. Services (JAMS) or the American Arbitration The Account using one of our ATM terminals. We reserve the right to restrict or delay What this means for you: When you open a card account, we will ask for your name, address, date of birth, social security number, and other information that will allow us to identify you. the funds available in your Card Account by the amount of the transaction and all associated fees. If you are entitled to a Copyright 2023 Woods and Woods, LLC | PO Box 1287 Evansville, IN 47706. conclusion of the arbitration (or any appeal thereof), the With that said, you can almost always expect to receive your direct deposit on or even before your payday.
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