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By accepting and using this Card, you agree to be bound by the terms and conditions contained in this Cardholder Agreement. Customer Service refers to the support provided to you by us in using the Card, and may be contacted at by telephone, or at the mailing address location listed at the conclusion of this Cardholder Agreement. Card Carrier is the document onto which your Card is adhered and containing your Account and routing numbers. The Card will remain the property of MetaBank and must be surrendered upon demand.

The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Cardholder Agreement carefully and keep it for future reference. If you obtain your funds or make a purchase in a currency or country other than the currency on your card or make a purchase from a merchant using a bank that uses currency other than the currency or country in which your Card was issued , 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 Card is a prepaid card. The Card allows you to access funds loaded to your Card Account by you or on your behalf. 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. The funds in your Card Account will be FDIC insured up to the amount provided by law, provided your Card is registered.

Your funds will never expire, regardless of the expiration date on the front of your Card. To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card Account.

What this means for you: When you open a Card account, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may limit your ability to use your Card or certain Card features until we have been able to successfully verify your identity.

If you have questions about this requirement, please call Customer Service. Other than the event where an additional card is required, you may not permit another person to have access to your Card or Card number. If you do provide access to your Card or Card number, you are liable for all transaction made with the Card or Card number by those persons. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account.

You are responsible for all transactions and fees incurred by you or any other person you have authorized. You will receive a Personalized Identification Number "PIN" by calling to activate your Card and establish a PIN.

You may use your Card at any Point-of-Sale POS device which requires entry of a PIN, that bears the PLUS, INTERLINK or STAR symbols. 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.

In some cases arrangements have been made that may allow you to load additional funds to your Account though the methods described below. There may be a limit on the number of times you may add Retail Loads to your Card, the maximum dollar amount loaded, or other limits on Retail Loads. See Fee and Transaction Limits Schedule for details. You agree to present the Card and meet identification requirements to complete load transactions as may be required from time to time.

See the Transaction Limits Schedule for information regarding limits on loads and other transactions. The owner or operator of the POS terminal at the Retail Load Agent where you complete a Retail Load may charge a fee for loading value to your Account which is in addition to any applicable load fee as indicated on the Fee Schedule , and, together with ATM owners or operators, as well as banks, check cashers and other service providers, may impose different minimum and maximum and limits than those set forth in the Transaction Limits Schedule.

You may use your Card to: Some of these services may not be available at all terminals. Your Card cannot be redeemed for cash.

You may use your Card to access cash at an ATM. Loads Deposits to your Card Account are not permitted at our ATM terminals. You may not use your Card for any illegal transactions, at casinos, and for any gambling activity.

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For security reasons, we may limit the amount or number of transactions you can make with your Card, but in general: An initial stock of Money Network Checks will be provided with your Card. In addition to using your Card, you may choose to access the funds in your Account by completing a Money Network Check.

The IVRU process requires you to enter the number on your Card in order to access your funds with a Money Network Check.

Even if you choose not to use the Card, you will need to keep your Card number in order to use the Money Network Checks. The amount of the Money Network Check you authorize using the IVRU will be electronically debited against your Account immediately. Please note that once you complete a Money Network Check with a transaction number, that Money Network Check is valid for the amount authorized and could be cashed or negotiated by anyone who has possession of the Money Network Check.

You should carefully safeguard any Money Network Check for which you have received a transaction number. To learn how to cancel a Money Network Check after it has been authorized and receive credit to your Account, please contact Customer Service.

If an authorized Money Network Check is not cashed or deposited within days after the date it is authorized, the Money Network Check will be canceled and the funds credited to your Account. To order additional Money Network Checks or for additional questions regarding Money Network Checks, please contact Customer Service. You are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein.

If you do not have enough funds available in your Card Account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash.

If you have told us in advance to make regular payments out of your Card Account, you can stop any of these payments by contacting Customer Service in time for us to receive your request 3 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 your call.

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If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. You must write to Customer Service when you change your address. You agree that any communications sent to you at your last address on record with us will be deemed to have been received by you.

For purposes of these disclosures our business days are Monday through Friday 8: Federal and Bank holidays are not included.

If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card Account for such refunds. The amounts credited to your Card Account for refunds may not be available for up to five 5 days from the date the refund transaction occurs.

You should get a receipt at the time you make a transaction or obtain cash using your Card. You agree to retain your receipt to verify your transactions. You can get a receipt at the time you make any transfer from your Card Account using one of our ATM terminals. You may obtain information about the amount of money you have remaining in your Card Account by calling Customer Service.

This information, along with a day history of account transactions, is also available on-line at account. You also have the right to obtain a sixty 60 day written history of account transactions by contacting Customer Service.

We may disclose information to third parties about your Card Account or the transactions you make:. If we do not complete a transaction to or from your Card Account on time or in the correct amount according to our Cardholder 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:. Should your Card have a remaining balance after a certain period of time, we may be required to remit remaining funds to the appropriate state agency. Your Card and your obligations under this Cardholder Agreement may not be assigned.

We may transfer our rights under this Cardholder Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions.

We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Cardholder 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 Cardholder Agreement shall not be affected.

This Cardholder Agreement will be governed by the law of the State of South Dakota except to the extent governed by federal law. We may amend or change the terms of this Cardholder Agreement at any time without prior notice to you except as required by applicable law.

We may cancel or suspend your Card or this Cardholder Agreement at any time without prior notice to you except as required by applicable law. You may cancel this Cardholder Agreement by returning the Card to us. Your termination of this Cardholder Agreement will not affect any of our rights or your obligations arising under this Cardholder Agreement prior to termination.

Should your Card account be closed, we will issue you a credit for any unpaid balances, subject to fees as disclosed in this Cardholder Agreement. The invalidity of any provision of this Cardholder Agreement shall not affect the validity of other provisions. Any waiver of any term or condition of this Cardholder Agreement shall not operate or be construed as a continuing waiver of such term or condition or any other term or condition.

You may not assign, convey, subcontract, sell or transfer any of your rights or obligations with regard to the Services.

Terms & Conditions | Cardholder Agreement | Money Network® Prepaid Visa

We may assign this Cardholder Agreement and any of our rights and obligations at any time, subject to any notice required by law. Any of our obligations under this Cardholder Agreement may be performed by third parties on our behalf.

If you have questions regarding our Privacy Notice please contact Customer Service. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. This Arbitration Provision sets forth the circumstances and procedures under which claims as defined below may be arbitrated instead of litigated in court.

We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in that court.

Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed.

If a selection by us of one of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select either of the other organizations listed to serve as arbitrator administrator.

For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders or other persons similarly situated.

Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.

Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U. The arbitration shall be governed by the applicable Code, except that to the extent enforceable under the FAA this arbitration Provision shall control if it is inconsistent with the applicable Code.

The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision.

In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence.

Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party.

The appealing party shall have thirty 30 days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing.

The arbitration organization will then notify the other party that the award has been appealed. The decision of the panel shall be by majority vote and shall be final and binding.

This Arbitration Provision shall survive termination of your Card as well as voluntary payment of any debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision, the Cardholder Agreement or any prior Cardholder Agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.

Customer Service Mailing Address: Money Network Financial, LLC Goodlett Farms Parkway, Suite Cordova, TN Customer Service by Telephone: All trademarks, service marks and trade names referenced in this materials are the property of the their respective owners. Cardholder Agreement IMPORTANT — PLEASE READ CAREFULLY.

If you use your Card number without presenting your Card such as for a mail order or telephone purchase , the legal effect will be the same as if you used the Card itself. Each time you use your Card, you authorize us to reduce the funds available in your Card Account by the amount of the transaction and any associated fees.

You are not allowed 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 shall remain fully liable to us for the amount of the transaction.

We reserve the right to bill you for any negative balance. You agree to pay us promptly for the negative balance. We also reserve the right to cancel this Card and close your Card Account should you create one or more negative balances with your Card. You do not have the right to stop payment on any purchase transaction originated by use of your Card, except as otherwise provided herein. 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 for until the hold is released by the merchant.

If you believe your Card or PIN has been lost or stolen, or if you believe a transfer has been made using the information from your Card or PIN without your permission, contact Customer Service. Your Liability for Unauthorized Card Transactions. Tell us, AT ONCE, if you believe your Card has been lost or stolen or of any unauthorized transactions.

We may require you to provide a written statement regarding claims of unauthorized transactions. These provisions limiting your liability do not apply to ATM, POS, PINless, or any other debit transactions not processed by Visa. Your Liability for Unauthorized Transfers: Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission.

Telephoning Customer Service is the best way of keeping your possible losses down. You could lose all the money in your Card Account. 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 for a reasonable period. Telephone us at or Write to us at Money Network, Goodlett Farms Parkway, Suite , Cordova, TN , as soon as you can, if you think an error has occurred in your Card account.

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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. You may request a written history of your transactions at any time by calling or writing us at Money Network, Goodlett Farms Parkway, Suite , Cordova, TN , contacting Customer Service.

You will need to tell us:. 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.

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For new Account, 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 we used in our investigation. If you have any further questions regarding our error resolution procedures, please contact us by calling