We suggest you read this document and print a copy for your reference.
Note: This Electronic Communication Disclosure (“Disclosure”) applies to any and all communications or disclosures that we are legally required to provide to you in writing in connection with your Ripae Prepaid Visa® Card and any related products and services (“Communications”). This Disclosure supplements and is to be construed in accordance with the terms contained in the Cardholder Agreement (“Agreement”) you received from MetaBank®. The words "we," "us," and "our" refer to MetaBank, the issuer of your Ripae Prepaid Visa Card The words "you" and "your" mean you, the individual(s) identified on the Card Account. As used in this Disclosure, "Card Account" means the Ripae Prepaid Visa Card Card
Account you have with us.
1. Scope of Communications to Be Provided in Electronic Form. When you use a product or service to which this Disclosure applies, you agree that we may provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and
transactions includes, but is not limited to:
· All legal and regulatory disclosures and communications associated with Ripae Prepaid Visa Card and any related products and services;
· Your Cardholder Agreement;
· Notices about a change in the terms of your Cardholder Agreement;
· Privacy policies and notices;
· Error Resolution policies and notices;
· Responses to claims filed in connection with your Card Account; and
· Notices regarding insufficient funds or negative balance
2. Method of Providing Communications to You in Electronic Form. All Communications that we provide to you in electronic form will be provided by email to the address on file, through our mobile app push notifications, and online dashboard.
3. How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form at any time by contacting customer service at the telephone number found on the back of your card. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. In the meantime, you will continue to receive Communications in electronic form. If you withdraw your consent, the legal validity and enforceability of prior communications delivered in electronic form will not be affected. If you choose to opt out, your card will be canceled as Ripae Prepaid Visa does not mail monthly statements.
4. How to Update Your Records. It is your responsibility to provide us with a true, accurate and complete e‐mail address, your contact information, and other information related to this Disclosure and your Card Account, and to maintain and update promptly any changes in this information. You can update information (such as your e‐mail address) by calling customer service at the telephone number found on the back of your card.
5. Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have: a digital reading capability via online or via a mobile device.
6. Requesting Paper Copies. We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us calling customer service at the telephone number found on the back of your card. We may charge you a service charge for the delivery of paper copies of certain Communications provided to you electronically pursuant to this authorization. See the fee schedule in your Agreement for details about this service charge. We 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 electronically.
7. Communications in Writing. All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.
8. Federal Law. You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
9. Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.
10. You will immediately request that your electronic signature be revoked if you discover or suspect that it has been or is in danger of being lost, disclosed, compromised or subjected to unauthorized use in any way. You understand that you may also request revocation at any time for any other reason. You understand that you may withdraw your electronic signature prior to application completion and that the application will be considered invalid.
I have read and agree to the E-Sign Agreement
The Site is intended to be used by individuals 18 years old or older. If you are not at least 18 years old, you should stop accessing or using the Site.Ripae's mobile application requires you to have a mobile device and wireless mobile data service (which you obtain from your wireless carrier),and may require you to have Internet access (which you obtain from your internet service provider). It’s your responsibility to obtain and pay for a mobile device and the services necessary to access and use the mobile application. Our mobile application may not work with all devices or mobile carriers.
Access and License
You may access and use the Site and the Site’s content only for your own personal use. You agree that you do not have any license or ownership rights to the Site or content without Ripae's prior written consent.You are required to register with Ripae to access certain services or parts of the Site. If you register, you are responsible for maintaining the confidentiality of your account login credentials including your login ID, login password, and mobile application passcode. Only authorized users are allowed to access and use secured areas of the Site. Any person who attempts to gain unauthorized access to protected or secured areas of the Site may be subject to prosecution.
Laws and Regulations
Copyright and Trademarks
The content of the Site, including text, graphics, design, logos, images, software, source code, multi-media content is owned or licensed property of Ripae and its parent company Axiom Prepaid Holdings, LLC, and is protected by applicable United States and international laws. The trademarks, service marks and logos used on the Site are registered marks of Ripae and its parent company Axiom Prepaid Holdings, LLC,.
Links to Other Websites
Disclaimer of Warranties
The site and all information, content and services made available on the site are provided to you “as is” without warranty of any kind (express or implied or statutory), including but not limited to, the warranties of title and non-infringement and the implied warranties of merchantability and fitness for a purpose.
Limitation of liability
Neither Ripae nor its employees, officers, directors, agents or third-party service providers warrant that the site and all information, content or services provided on the site will be error free, uninterrupted or secure. Ripae does not make any warranties as to the operation of the site or the accuracy or completeness of the information, content or services on the site.
You agree to indemnify, defend and hold harmless Ripae and it employees, directors, officers, agents and third party service providers from and against any liabilities, losses, investigations, inquiries, claims, suits, damages, costs and expenses arising out of or otherwise relating to your access or use of the Site.
The Ripae Visa Prepaid Debit Card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A., Inc. This card may be used everywhere Visa debit cards are accepted. 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 funds availability and ID verification. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. All other trademarks and service marks belong to their respective owners.
Important information for opening a Card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card account. What this means for you: When you open a Card account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Faster access to funds is based on comparison of our immediate availability policy versus the typical banking practice of only posting funds after settlement. Direct Deposit and earlier availability of funds are subject to payor's support of this feature and timing of payor's funding. Check with your payor to find out when the direct deposit of funds will start.
The Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
App Store is a service mark of Apple, Inc. Google Play is a trademark of Google, Inc. Data rates may apply.
Ripae is a proud partner of Visa & MetaBank.
Personal Information Ripae Collects
Ripae will only ask for personal information relevant to our business relationship with you and information required by government legislation and regulation. We do not collect information regarding: religious views, ethnicity, political positions, criminal records, personal health information or sexual preference.
Ripae collects information to
To determine whether our partners should provide a facility which includes the provision of commercial credit to you and, if they decide to provide it, to assist in the provision of the facility. This includes the assessment of the application, managing the account, recovering money and dealing with security you give; or to determine whether they should provide a facility that includes the provision of commercial credit to a company with which you are associated (for example as a director or shareholder) and to assist in the provision of the facility. If a guarantee may be given we are collecting the personal information to determine whether our partners should accept it and, when it is given, we collect the personal information to deal with or enforce our partner’s rights under the guarantee and any security that may be given to secure it.
Information we will collect includes: Contact Information – Name, address, phone, email and date of birth.
· Financial Information – Financial statements, credit reports, tax file number, and information for creditworthiness.
· Information from general searches relevant to Ripae service requested.
· Ripae may ask for personal information that we are required to collect for legal reasons to meet government laws and regulations such as the Fair and Accurate Credit Transactions Act (FACTA) to verify your identity which could include a copy of your drivers license, birth certificate or passport.
· If you do not provide some personal information, Ripae may not be able to provide you with the product or service you are seeking.
How is Personal Information Collected?
Most of the information collected by Ripae will come directly from you through the Ripae application. This information will be collected through the Ripae application and over the Internet. Ripae’s partners may also collect information from other parties.
Providing Information to Others
Ripae will share your personal information with its banking partners to secure your pre-qualification.
· Ripae does not provide or sell information to outside parties for any marketing purposes.
· Ripae may use your personal contact information to provide you with information and updates concerning current products/services.
It is our intent to only provide the information necessary to information they need to performs their services to us or to provide products/services to you.
Managing and Accessing Personal Information
Ripae takes every precaution to protect your personal information that has been collected from you or from outside sources. The information is protected from misuse, loss or access by unauthorized individuals or entities. Information is stored in paper form and electronically with appropriate security. If your personal information should change, notify Ripae immediately with the correct information. Ripae will also ensure to the best of our ability that information that we retain is correct and current. You may contact Ripae to request information of what data has been collected and retained by us. Upon request, we will provide any copies of information that are held by us. If you deem that personal information that we maintain is incorrect, please notify us immediately so that we may take corrective action to ensure information is correct and current.
We may track activity and transactions on an individually identifiable basis if you apply for or use Ripae services. We may use identification information we collect to protect against actual or potential fraud. To constantly improve our web site and better serve our customers online, we may use various tracking methods (such as cookies and other technologies, etc.) to gather information about site visitors' browsing activities.
If you choose to send us an email message, we may retain the content of the email, your email address, and our response to service your needs. If you agree to receive email offers or email messages from Ripae, we may use the data that you provide to send you email offers that may be of special interest to you. Email Opt Out- If you no longer wish to receive email offers or solicitations from Ripae , you may unsubscribe by following the instructions in the original email you received. The instructions are generally located at the bottom of the email. If you receive emails from third parties or program partners on behalf of Ripae, please be sure to unsubscribe through the instructions in the email or contact these third parties directly. If you opt out of email solicitations, Ripae reserves the right to contact you via email to service and maintain your relationship.
Links to Third Party Sites
Ripae is not responsible for the information practices employed by sites linked to or from our web site. In most cases, links to non- Ripae web sites are provided solely as pointers to information on topics that may be useful to the users of the Ripae web site. Since third party web sites may have different privacy policies and/or security standards governing their sites, we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information.
Children's Online Privacy
Protecting children on the Internet is very important to us. For that reason, Ripae Network does not intentionally collect information at our web sites from those we actually know are under 13, and no part of our web site is intended to attract anyone under 13. Parents can be proactive and limit web site access to their children by installing filtering software. access to the Internet can permit them to visit inappropriate web sites and be exposed to unnecessary risks. The Children's Online Privacy Protection Act (COPPA) protects children under the age of 13 from the online collection of personal information. Learn more about COPPA at the Federal Trade
In the event you believe that your privacy has been compromised, that Ripae has not acted in protecting information or has not complied with the Privacy Act. Please contact us immediately so that the issue is resolved as quickly as possible. We will investigate your concern and where necessary will consult with others, such as a credit-reporting agency. Ripae will provide in writing with the results from our investigation and/or may provide information to you regarding outside dispute resolution.
We can be contacted by e-mail to email@example.com, or writing to us at 299 S Main Street, Suite 1350, Salt Lake City, Utah, 84111
Cardholder Agreement and Fees
Ripae Visa® Prepaid Card Short Fee Form
ATM balance inquiry
We charge  other types of fees.
Here are some of them:
Card Replacement Fee
Domestic Bank Teller Cash Withdrawal
*This fee can be lower depending on where this Card is used.
No overdraft/credit feature.
Register your card for FDIC insurance eligibility and other protections.
For general information about prepaid accounts, visit
Find details and conditions for all fees and services in the cardholder agreement.
Visa Prepaid Card is issued by MetaBank, member FDIC, pursuant to a license from Visa U.S. A. Card is serviced by FIS.
List of all fees (“
Long Form”) for Ripae Visa® Prepaid Card
Monthly fee for Primary and Secondary cards
Charged monthly on the date your card was issued.
This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
ATM balance inquiry
This is our fee. You may also be charged a fee by the ATM operator
This is our fee. You may also be charged a fee by the ATM operator.
Domestic Bank Teller Cash Withdrawal
When you withdraw cash from your Card at a bank teller location.
Customer service (automated)
No fee for calling our automated customer service line, including for balance inquiries.
Customer service (live agent)
Per minute. There is no charge to report a lost or stolen card.
Using your Card outside the U.S.
Of the U.S. dollar amount of each transaction.
International ATM withdrawal
This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
International ATM balance inquiry
This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete transaction.
International ATM decline
This is our fee. You may also be charged a fee by the ATM operator.
Cash Reload Networks
up to $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.
Card Replacement Fees
Card replacement Fee
Per replacement. No charge if Stolen. This fee will be deducted from your available Card balance.
Express Card Delivery
Expedited delivery for a replacement Card. This fee will be deducted from your available Card balance.
This fee can be avoided by using standard replacement (7-10 day delivery).
Account Closure Fee
When a request is made for account to be closed and a refund
check to be sent. This amount will be deducted from you available Card balance.
Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to MetaBank, 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. See fdic.gov/deposit/deposits/prepaid.html for details.
No overdraft/credit feature.
Contact Customer Service by calling 833-263-2831, by mail at 3500 5th Street, Northport, AL 35476, or visit www.ripaevisacard.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.
Ripae Visa Prepaid Card Cardholder Agreement CUSTOMER SERVICE CONTACT INFORMATION: Address: 3500 5th Street, Northport, AL 35476 Website: www.ripaevisacard.com Phone Number: 833-263-2831 IMPORTANT NOTICES:
PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION (“ARBITRATION CLAUSE” SECTION) REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.
ALWAYS KNOW THE EXACT DOLLAR AMOUNT AVAILABLE ON THE CARD. MERCHANTS MAY NOT HAVE ACCESS TO DETERMINE THE CARD BALANCE.
BY ACCEPTING, SIGNING, OR USING THIS CARD, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS CONTAINED IN THIS AGREEMENT.
This Cardholder Agreement (“
Agreement”) sets forth the terms and conditions under which the Ripae Visa Prepaid Card (“ Card”) has been issued to you by MetaBank. " 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 collectively, MetaBank, a federally-chartered savings bank, member FDIC, and its divisions or assignees, and also includes, unless otherwise indicated, our Program Manager. “ Program Manager” refers to FIS, who performs certain services related to your Card on MetaBank’s behalf. “ Corporate Sponsor” means the company who has directly or indirectly established this Card for the purpose of disbursing funds to you. 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. ABOUT YOUR CARD
Your Card is a prepaid card, which allows you to access funds loaded to your Card account by the Corporate Sponsor. 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.
VERIFYING YOUR CARD Important information for opening a Card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card. What this means for you: When you request a Card, we may ask for, or the Corporate Sponsor may provide us with, 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 documents at any time. You may be limited in use and features until you have been successfully verified. Eligibility and Activation: To be eligible to use and activate the Card, you represent and warrant to us that: (i) you are at least 18 years of age; (ii) the personal information 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. UNAUTHORIZED TRANSACTIONS 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.
Your Liability for Unauthorized Transactions
Tell us AT ONCE if you believe your 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 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 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 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 Visa-branded cards only and does not apply to ATM transactions, PIN transactions not process 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 . Business Days
For purposes of this Agreement, our business days are Monday through Friday, excluding Federal holidays. Customer Service hours may differ.
USING YOUR CARD Accessing 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, a mail 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.
Your Card can also be used to:
load funds to your card account
transfer funds between your Card accounts whenever you request ; and
pay bills directly [by telephone] from your Card account
You CANNOT use your Card to: (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 debits 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 Card account: You may add funds to your Card, called “loading,” by: (i) Automated Clearing House ("ACH") loads (e.g., direct deposit); (ii) Loading cash through reload locations listed on the www.ripaevisacard.com (iii) Venmo, and PayPal. 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 Long Form. If you arrange to have funds transferred directly to your 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 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. Limits
Load, Withdrawal and Spend Limits
Maximum Card balance at any time
Total number of times the you can reload your Card
Two (2) times per twenty-four hours
Maximum amount of loads
$5,000 per transaction (subject to a $5,000.00 daily maximum)
Total number of ATM or over the counter cash withdrawals
No more than 2 times per day.
Maximum amount of ATM or over the counter cash withdrawal
No more than 2 times per day maximum. Maximum withdrawal amount for each transactions is $500.00 for a total of $1000.00 per day.]
Maximum amount in Point of Sale Signature or Point of Sale PIN Transactions
$2,500 Signature purchase, $2,500 PIN purchase and no more than
$5,000 per day
* Third parties may impose additional limitations.
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 any fee that we charge as compensation for our services. You will be charged a fee for Foreign Transactions in U.S. dollars as disclosed in the Long Form. If the Foreign Transaction results in a credit due to a return, we will not refund any fee that may have been charged on your original purchase. Secondary Cards
You may authorize up to 3 additional Cards, called Secondary Cards:
-Secondary Cards are restricted to the following uses:
general purchases and cash withdrawals;
general purchases and cash withdrawals; and
paying bills directly [by telephone] from your Card account.
Use of Secondary Cards is subject to the same restrictions on your Card, and we may hold you and/or any Secondary Cardholders liable for misuse of the Secondary Cards.
We may disclose information to third parties about your Card account or the transactions you make:
Where it is necessary for completing transactions;
In order to verify the existence and condition of your Card account for a third party, such as merchant;
In order to comply with government agency or court orders, or other legal reporting requirements;
If you give us your written permission;
To our employees, auditors, affiliates, service providers, or attorneys as needed; or
As otherwise necessary to fulfill our obligations under this Agreement.
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.
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.
You also have the right to obtain at least 24 months of written history of account transactions by calling or by writing Customer Service. You will not be charged a fee for this information unless you request it more than once per month.
TRANSACTIONS AND PREAUTHORIZED TRANSFERS Right to stop payment and procedure for doing so
If you have told us in advance to make regular payments out of your 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.
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.
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.
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:
If, through no fault of ours, you do not have enough funds available in your Card account to complete the transaction;
If a merchant refuses to accept your Card;
If an ATM where you are making a cash withdrawal does not have enough cash;
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;
If access to your Card has been blocked after you reported your Card or PIN lost or stolen;
If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
If we have reason to believe the requested transaction is unauthorized;
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
For any other exception stated in our Agreement with you.
When you use an ATM, you may be charged a fee by the ATM operator (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
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.
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.
ERROR RESOLUTION PROCEDURES In Case of Errors or Questions about Your Prepaid Account: 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 account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. 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 may request a written history of your transactions at any time by calling or writing Customer Service. You will need to tell us:
Your name and prepaid account or Card number.
Why you believe there is an error, and the dollar amount involved.
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.
ADDITIONAL TERMS OF THE AGREEMENT Personal Identification Number (“PIN”)
You will receive a Personalized Identification Number ("PIN") when you activate your card. 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.
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.
Card Replacement and Expiration
If you need to replace your Card for any reason, please contact Customer Service. See Long Form 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 expiration of the Card.
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.
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 an automated 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.
LEGAL NOTICES 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.
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.
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.
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 legal 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 security interest against any of your Card accounts in order to reimburse us for our fees and expenses, including attorneys’ fees, court costs and expenses, in complying with legal 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 and 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.
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 change 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 is 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.
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 WILL 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. 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” is: MetaBank, Attn: Customer Service, 5501 S Broadband Ln, Sioux Falls, SD 57108.
Background and Scope.
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?
The hearing is private. There is no jury. It is usually less formal, faster and less expensive than a lawsuit. Pre-hearing fact finding is limited. Appeals are limited. Courts rarely overturn arbitration
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 and Card number. State that
you “opt out” of the Arbitration Clause.
What is this Arbitration Clause about?
The parties' agreement to arbitrate
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,
JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018,
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 any 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?
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?
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?
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
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?
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.
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 notice 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 an arbitration, 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?
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 to you.
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.
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 and 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
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
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.
Prepaid card is issued by MetaBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
© 2019 MetaBank
WHAT DOES METABANK DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share,
and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are
no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers’ personal information to run their everyday business.
In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons MetaBank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Can you limit this sharing?
For our everyday business purposes
– such as to process your transactions, maintain your account(s), respond to court orders
and legal investigations, or report to credit bureaus
For our marketing purposes
- to offer our products and services to you
For joint marketing with other financial companies
For our affiliates' everyday business purposes
- Information about your transactions and experiences
We do not share
For our affiliates' everyday business purposes
- Information about your creditworthiness
We do not share
For our affiliates to market to you
We do not share
For nonaffiliates to market to you
We do not share
Who we are
Who is providing this notice?
What we do
How does MetaBank
protect my personal information?
To protect your personal information from unauthorized access and use, we use security
measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does MetaBank collect my personal information?
We collect your personal information, for example when you
We also may collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
State law and individual companies may give you additional rights to limit sharing. [See below for more on your rights under state law.]
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Other important information
Special Notice for State Residents
Residents of California or Vermont: We will not share with nonaffiliates except for our own marketing purposes, our everyday business purposes, or with your consent.
Residents of Nevada: We are providing this notice pursuant to Nevada law.
I have read and agree to the Cardholder Agreement and Fees