27. Simplify business expenses with this comprehensive solution, Pay for all your business expenses with a single program thats simple to use, Maximize your cash flow with flexible payment terms, Integrate with most technology platforms and accounting systems, A dedicated specialist from Scotiabank is ready to assist - from consultation to implementation to help ensure your team takes full advantage of the program, Access spending data through convenient web access for exceptional program reporting, Reduce purchasing administrative costs and improve operational efficiencies. . You may use your Card to make purchases at any merchant that accepts Visa debit cards, subject to your available Card Account balance and the other terms and conditions of this Agreement and the Majority Terms of Service. Give us a call at +1-877-662-3489 or fill out the form below and well get back to you within 24 hours. If you seek to withdraw cash from a merchant POS device, please note that each merchant may establish limits as to how much cash may be obtained from a POS device at a single time or through a single location. Can I customize the card with my business logo? VISA with Rewards. 2. Nevertheless, if a transaction exceeds the balance of the funds available in your Card Account, you shall remain fully liable to us for the amount of the transaction. The fastest and easiest way to minimize your possible losses is to report this/deactivate your Card by using the App, otherwise you may always contact us via our Customer Service by phone 1 (855) 553-3388. Includes prepaid. Annual rate from 6.99 % p.a. Be sure to use different passwords for your different accounts. With purchasing convenience, cost savings, available credit, and detailed reporting, you'll have what you need to nurture your small business and help it thrive. If you do not promptly add sufficient funds to your Card Account to cover the negative balance, in addition to any other remedies or actions, we may cancel your Card and Card Account and pursue collection. . Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. You may reject the arbitration provision by sending us written notice within 45 days after your first card purchase. After your Card Account is opened, we may ask again to see a copy of your drivers license or other identifying documents at any time if we deem is necessary to verify your identity, address, or transactions on your Card Account. Some of these services may not be available at all terminals. The Card issued to you by Sutton Bank enables you to make certain electronic fund transfers to and from your prepaid Card Account with Sutton Bank. The Card issued to you will be in the form of a virtual card (available to you in the App) (Virtual Card) and a physical card (a plastic card, which will be delivered to you) (Plastic Card), both cards carrying and representing the same assigned 16-digit card number and Card Account. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Check with your vendors that handle sensitive data, especially financial institutions, to see if they offer multifactor authentication for your account. Accounting: You can create merchant rules . The Cancellation will not affect any of our rights or your obligations arising under this Agreement before the Card was cancelled. With your PIN, you may use your Card to obtain cash from any Automated Teller Machine (ATM) that bears the Visa acceptance mark, or you may use the Card to withdraw funds at any point-of-sale (POS) device, as permissible by a merchant, that bears the Visa acceptance mark. Read More Business Details. All software vendors regularly provide patches and updates to their products to correct security problems and improve functionality. Information for starting and maintaining a business. Easily expand across the United States, Europe, and Asia with our global-ready platform. Fax Numbers. . According to a recent SBA survey, 88% of small business owners felt their business was vulnerable to a cyber-attack. There is no fee for this service. Any translation provided may not accurately represent the information in the original English. Encourage employees to challenge suspicious requests. This Privacy Policy also tells how you can (i) limit the ways we share, or (ii) request corrections to the information we maintain about you. You can mitigate these risks using clear communication of roles and expectations whilst providing appropriate guidance in the use of IT and accounting controls. This Agreement sets forth the entire understanding and agreement between you and us, whether written or oral, with respect to its subject matter and supersedes any prior or contemporaneous understandings or agreements with respect to their subject matter. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. Activating Your Card: You must activate your Card before it can be used. Critical data includes word processing documents, electronic spreadsheets, databases, financial files, human resources files, and accounts receivable/payable files. To earn the victims trust, this communication frequently employs persuasion, urgency, and authority. The Card will remain the property of the Issuer and must be surrendered upon demand. 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 shall not be affected. Complimentary insurances. @alexandra 01/24/22 This answer was first published on 01/24/22. 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. The Card is not a gift card or gift certificate. Fast, free, and easy-to-use debit card; Select from a variety of fantastic debit card rewards through My Sutton Rewards; Safer than carrying cash; More convenient and safer than checks; Eliminate cost of purchasing checks; Make purchases anywhere Visa is accepted; 24/7 access to funds via ATMs free at Sutton branches (419) 756-2449. Unfortunately, cybercriminals have discovered how to steal your hard-earned money. Over the last seven years, Sutton has focused on providing corporate banking services to fintech. * Rewards offers are subject to approval. Back up data automatically if possible, or at least weekly, and store the copies either offsite or on the cloud. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. IN ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY. Security: If the vendor's website security is compromised, your card information with other vendors stays safe. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately, following the procedures in the section labeled Lost or stolen cards/unauthorized transfers below. Gonczi called Sutton Bank to investigate. Any funds remaining on the Card after cancellation will be sent to you upon request via a refund check to the mailing address we have in our records. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. The Card may only be used for personal, family or household purposes, and we may cancel your Card if we determine that it is being used for commercial purposes. In connection to these actions, we may need certain information from you, such as your full name, Card number and transaction history details. https://www.suttonbank.com/_/kcms-doc/85/49033/WK-Privacy-Disclosure-1218.pdf. Upgrade Visa Card with Cash Rewards. MasterCard and Visa currently use a conversion rate that is either: (a) selected from a range of rates available in the wholesale currency markets (note: this rate may be different form the rate the association itself receives), or (b) the government-mandated rate. A copy of this Agreement is available to you in the App and on the Website. Tell me more. The Card is issued by the Bank. Primary Fax. Preauthorized transfers will not be allowed. We may refuse to process any transaction that we believe may violate the terms and conditions of this Agreement. An executive or employees email account is hacked and used to request invoice payments to vendors listed in their email contacts. Already a Revenued cardholder? All funds associated with the Card shall be held in an account with the Issuer, with the balance of such funds to be reduced through your use of such funds or through the imposition of fees and other charges in accordance with the terms and conditions of this Agreement. Now, if you are Cashing Out from your CA the instant option uses the card network to your linked Debit card, like a merchant making a refund . We reserve the right, at any time in our sole discretion without providing notice to you, to change, delete or add to this Agreement and to apply any such modification to a Card, to any available balance on the Card Account or otherwise to the legal relationship between you and us. The app enables you to send and receive money, purchase stocks and Bitcoin. This Sutton Bank Cardholder Agreement (" Agreement ") constitutes the agreement between you, and Sutton Bank Attica, Ohio (" Sutton Bank " or " Issuer "), a FDIC insured member institution, outlining . THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. BY ACTIVATING YOUR CARD OR PARTICIPATING IN THE PROGRAM IN ANY WAY, YOU REPRESENT THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT AND OUR PRIVACY POLICY. Back up your dataRegularly back up the data on all computers. Lodge with frequently used pre-approved suppliers. You will need to tell us: 2. Keep your money in your wallet. Best Practices. To initiate a signature transaction at the point of sale, select Credit and sign the receipt (if required by the merchant). Co-Branded Credit cards allow large businesses such as retail chains, hotels or airlines to offer special discounts, cashbacks . Vanilla Visa Gift Cards are issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Cards may be used in the U.S. and District of Columbia everywhere Visa debit cards are accepted. Raising employee awareness about scams and BEC fraud is always a good idea, but businesses shouldnt rely solely on this. These transaction limit amounts may be lower when your card is not present, such as an online transaction. 12. FEDERAL PAYMENTS: THE ONLY FEDERAL PAYMENTS THAT MAY BE LOADED TO YOUR CARD ACCOUNT VIA A DIRECT DEPOSIT ARE FEDERAL PAYMENTS FOR THE BENEFIT OF THE PRIMARY CARDHOLDER.