Tell Us About Yourself        *Required Fields
*First Name:
M.I.:

*Last Name:

*Address:
Why do we need this?
To receive your card, you must enter a physical U.S. address. Cards cannot be sent to post office boxes.

*City:
 

*Zip Code:

*Telephone:

*Email Address:
We protect your privacy.
We use this to send you important account information and alerts by email.

*Re-Type Email:

*Date of Birth:
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*SSN or Tax ID:
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Why do we need this?
To assist the government in the fight against terrorism, all financial institutions are required by Federal law to obtain, verify, and record personal information which identifies each person. Your information is always safe and secure. We use the highest grade Secure Sockets Layer (SSL) protocol commercially available.

Referral Code:
What’s this?
If you were referred to AccountNow by a friend or family, you should have received a promo code in an email from your friend. Enter the promo code here so that we can reward you and your friend for using our Refer-a-friend program

*Does your employer or benefits provider offer direct deposit?

 
What does this mean?
Most employers offer free Direct Deposit which is a service that electronically deposits your paycheck into a bank account of your choosing. Benefit Providers, such as Social Security, SSI, State Disability and other federal and state benefit providers, also offer Direct Deposit.



Yes, I have read and agree to the Cardholder Agreement and Privacy Policies.  AccountNow sends transactional and promotional emails.  I understand I may opt-out of promotional emails anytime in the future by using the link provided at the bottom of each email message.






AccountNow Cardholder Agreement
Cardholder Agreement
IMPORTANT – PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.


This Cardholder Agreement ("Agreement") outlines the terms and conditions under which the AccountNow® Gold Visa® Prepaid Card ("AccountNow Gold") or AccountNow® Prepaid MasterCard® Card has been issued to you. By accepting, signing, or using this Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement, "Card" means the AccountNow Gold Visa Prepaid Card or AccountNow Prepaid MasterCard Card issued to you by MetaBank®. "You" and "your" means the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. "We," "us," and "our" mean MetaBank, our successors, affiliates or assignees. 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 Agreement carefully and keep it for future reference.



1. ABOUT YOUR CARD

Your Card is a prepaid card, which allows you to access funds loaded to your Card account. You should treat your Card with the same care as you would treat cash. 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. This Card is not designated for business use and we may close your Card if we determine that it is being used for business purposes. 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. All funds loaded to your Card account are held in a custodial account with us on your behalf, and are insured by the Federal Deposit Insurance Corporation ("FDIC"), subject to applicable limitations and restrictions of such insurance.

2. FEES




AccountNow Gold Visa Prepaid Card and AccountNow Prepaid MasterCard Card
Card Fees
Initial and Monthly Fees
AccountNow Gold Visa Prepaid Card AccountNow Prepaid MasterCard Card
Activation Fee (SVC CHG FIRST LOAD)
A one-time fee charged at the time of the first value load on your Card
$0.00 $4.95; one time charge
Monthly Fee (SVC CHG-MONTHLY)
A monthly amount initially charged at the time of the first value load on your Card, and charged on the same day of each subsequent month.
$9.95 $0.00
Get Cash
U.S. ATM Withdrawal (SVC CHG ATM WITHDRAW)
A per-transaction fee for using a U.S. ATM to withdraw money.

Tip 1: To avoid ATM fees, select “Debit” and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores.
Tip 2: To avoid ATM Operator fees, use surcharge-free ATMs available in most states. For states and ATM locations nearest you, visit http://www.accountnow.com/services/find-atm.aspx
$2.50* $2.50*
ATM Decline (SVC CHG NSF ATM)
A per-transaction fee for using an ATM to withdraw money from your Card account and having the transaction declined.
$1.00* $1.00*
Bank Teller Cash Withdrawal (SVC CHG CASH ADV)
A per-transaction fee for using a bank teller to withdraw cash from your Card account.
3% of amount withdrawn 3% of amount withdrawn
ACH Debit (SRVC CHG-ADD/REM FND)
A per-transaction fee charged each time funds are withdrawn from your Card account using our bank routing number and your account number.
Tip: To avoid ACH debit fees you can use the online Bill Pay service we make available to you through our third party service providers (“Bill Pay”) to make payments to payees instead of using our bank routing number and your Account Number for payment.
$2.50 $2.50
International ATM Withdrawal (SVC CHG ATM WITHDRAW)
A per-transaction fee for using a non-U.S. ATM to withdraw money.
Tip: To avoid ATM fees, select “Debit” and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores.
$4.95* $4.95*
Spend Money
Card purchases when using your signature (Visa or MasterCard Purchase) (SVC CHG NO PIN TRN)
A per-transaction fee for using your Card to make purchases using your signature.
$0.00 $1.00
Card purchases when using your PIN (Debit Purchase) (SVC CHG PIN TRAN)
A per-transaction fee for using your Card to make purchases using your PIN.
$0.00 $1.00
Paying your bills online or by telephone using the Bill Pay service we make available to you (non-expedited service). $0.00 $0.00
Add Money
Adding money by Direct Deposit $0.00 $0.00
Adding money using third party money transfer services $0.00* $0.00*
Account Information
ATM Balance Inquiry (SVC CHG BALANCE INQ)
A per-transaction fee for using an ATM to obtain your Card account balance.
$1.50* $1.50*
Having load, balance, and other account information sent to your cell phone with Mobile Text Alerts $0.00** $0.00**
Managing your Card account online and viewing online statements $0.00 $0.00
Other Services
Express Delivery Charge (DR ADJ EXPEDTD FEE; SVC CHG EXPED CARD)
An amount charged each time you request that a Card be delivered to you on an expedited basis (within 3 business days).
$25.00
Additional Card (SVC CHG REPLACE CARD)
A fee charged each time you request and receive an additional Card for another person.
$10.00
Bill Pay Expedited Service (BILL PAYMENT)
A fee charged each time you request to have your funds delivered one to four business days faster when using the Bill Pay service we make available to you.
$9.95
Paper Statement (STATEMENT FEE)
A fee charged for each paper monthly statement mailed to you upon your request.
Tip: There is no charge for online access to your Card account transaction history.
$1.00
Foreign Currency Conversion (SVC CHG INTRNTL TRAN) 3% of amount converted
*Third party fees may apply.
**Standard Text Message rates may apply.
Questions? Please call 1-866-925-2036 or visit www.accountnow.com.

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ATM Fees: When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Foreign Transaction Fee: 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 transaction will be converted to U.S. Dollars in accordance with the Currency Conversion process below, and you will be charged a fee equal to 3.00% of the amount converted on the total amount of the transaction in U.S. Dollars. The card association may consider transactions occurring in U.S. territories to be Foreign Transactions, so transactions originating from these locations may be subject to a Foreign Transaction Fee. If the Foreign Transaction results in a credit due to a return, we will not refund any Foreign Transaction Fee that may have been charged on your original purchase.

Currency Conversion: If you make a 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. MasterCard International Inc. and Visa U.S.A. Inc. currently use a conversion rate that is either: (i) selected from the range of rates available in wholesale currency markets (which may vary from the rate the association itself receives), or (ii) the government-mandated rate in effect for the applicable central processing date. The conversion rate selected by the network is independent of the Foreign Transaction Fee that we charge as compensation for our services.

3. GETTING STARTED

Important information for opening a card: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card.

What this means for you: When you open a Card, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other documents at any time. We may limit your ability to use your Card or certain Card features until we have been able to successfully verify your identity.

Eligibility and Activation: To be eligible to use and activate this Card, you represent and warrant to us that: (i) you are at least 18 years of age; (ii) the personal information that you have provided to us is true, correct and complete; (iii) you have read this Agreement and agree to be bound by and comply with its terms.

4. USING YOUR CARD

a. Loading Your Card
You may add funds to your Card account, called "loading," by: (i) Automated Clearing House ("ACH") loads (e.g., direct deposit) from your employer, benefits provider or from a checking or savings account; (ii) cash loads using authorized third party money transfer services (a list is available at www.accountnow.com where locations can be found or by calling 1-866-925-2036); (iii) check loads using authorized service providers (see http://www.accountnow.com/services/mobile-check-deposit.aspx for check load service details); or (iv) Card-to-Card transfers. There are daily and monthly limits on value load amounts and the number of times you may value load your Card, and there is also a maximum balance you may have in your Card Account (see the Load, Withdrawal and Spend Limits section below). Each load may be subject to a fee pursuant to the Fees section. 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. You are not authorized to use this bank routing number and direct deposit account number for any other purpose. The maximum balance allowed on your Card is $10,000.00. 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 the Card and meet identification requirements to complete load transactions as may be required from time to time.

Federal Payments: THE ONLY FEDERAL PAYMENTS THAT MAY BE LOADED TO YOUR CARD VIA AN AUTOMATED CLEARING HOUSE ("ACH") CREDIT ARE FEDERAL PAYMENTS FOR THE BENEFIT OF THE PRIMARY CARDHOLDER. If you have questions about this requirement, please call 1-866-925-2036.

b. Accessing Funds and Limitations
Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction and any applicable fees. Your Card cannot be redeemed for cash. You may use your Card to: (1) withdraw cash from your Card account, (2) load funds to your Card account, (3) transfer funds between your Card accounts whenever you request, (4) 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, and (5) pay bills directly online or by telephone from your Card account in the amounts and on the days you request.

We will provide you our bank routing number and an account number for the purpose of initiating direct deposits and authorized ACH debit transactions to your Card account. The Card Number embossed on your Card should not be used for direct deposit transactions or other authorized ACH debit transactions or they will be rejected. You are not authorized to use the bank routing number and account number to make a debit transaction with a paper check, check-by-phone or other item processed as a check, or if you do not have sufficient funds in your account. These debits will be declined and your payment will not be processed. You will also be assessed an ACH Debit Fee each time funds are withdrawn from your Card account using our bank routing number and account number (see the Fees section above).

Limitations on frequency and dollar amount of transactions:
The following usage limits apply to your Card account. There are different usage limits for AccountNow Gold customers who are on direct deposit and those without direct deposit. "Customers on Direct Deposit" means cardholders with a recurring direct deposit set up from their payroll or benefits provider. PayPal deposits, loan advances, balance transfers, merchant deposits and tax refund transactions are not considered recurring direct deposits.




LOAD, WITHDRAWAL and SPEND LIMITS*
Load Limitations Limit
Standard Limits for AccountNow Prepaid MasterCard Customers and AccountNow Gold Customers without Direct Deposit Upgraded Limits for AccountNow Gold Customers on Direct Deposit
Maximum Card balance at any time: $10,000.00 $10,000.00
Direct Deposits & ACH Credits Combined (Amount): $10,000.00 per day $10,000.00 per day
Direct Deposits & ACH Credits Combined (Frequency): 8 per day 8 per day
Cash Loads (Amount)*: $1,500.00 per day;
$9,500.00 per month
(past 30 days)*
$1,500.00 per day;
$9,500.00 per month
(past 30 days)*
Cash Loads (Frequency)*: 5 per day;
30 per month
(past 30 days)*
5 per day;
30 per month
(past 30 days)*
Cash/ Direct Deposit/ACH Credits Combined (Amount): $10,000.00 per day $10,000.00 per day
Cash/ Direct Deposit/ACH Credits Combined (Frequency): 8 per day 8 per day
Withdrawal Limitations
Maximum amount of ATM cash withdrawal: $300.00 per day $500.00 per day
Maximum amount of over the counter cash withdrawal: $1,000.00 per day $1,000.00 per day
Card-to-Card Transfers (Amount): $300.00 per day for AccountNow Prepaid MasterCard Customers; $500.00 per day for AccountNow Gold Customers without Direct Deposit; $3,000.00 per calendar month $500.00 per day;
$3,000.00 per calendar month
Card-to-Card Transfers (Frequency): 3 per day 3 per day
Spend Limitations
Maximum amount in Point of Sale Signature or Point of Sale PIN Transactions: $2,000.00 per day $3,000.00 per day
(Requires three (3) or more consecutive direct deposits)

c. Personal Identification Number ("PIN")
You have the ability to request a Personalized Identification Number ("PIN") at the time you activate your Card online at www.accountnow.com or by calling 1-866-925-2036. You can use your PIN with your Card, (i) to obtain cash from any Automated Teller Machine ("ATM") or (ii) at any point-of-sale device which requires entry of a PIN, that bears the STAR®, NYCE® or Interlink brand (please check the supported brands on the back of the Card). All ATM transactions are treated as cash withdrawal transactions. 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 advise us immediately, following the procedures in the section labeled "Lost or Stolen Cards; Unauthorized Transactions" below.

d. Obtaining Card Balance Information.
You may obtain information about the amount of money you have remaining in your Card account by calling 1-866-925-2036. This information, along with a 60-day history of account transactions, is also available on-line at www.accountnow.com by logging in to your Card account. You also have the right to obtain a sixty (60) day written history of account transactions by calling 1-866-925-2036 or by writing us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583. However, there is a fee for obtaining a written history (see your Fees paragraph above).

e. Authorized Users and Secondary Cards
We may allow you to request an additional Card for another person. If we do, you are responsible for all transactions and fees incurred by you or any other person you have authorized. If you tell us to cancel another person’s use of your Card, we may cancel your Card and issue you a new Card with a different number.

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 wholly responsible for the use of each Card according to the terms of this Agreement subject to the section labeled "Lost or Stolen Cards; Unauthorized Transactions" below, and other applicable law.

f. Authorization Holds
You do not have the right to stop payment on any purchase transaction originated by use of your Card, except as otherwise provided herein. 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.

g. Preauthorized Transfers
Preauthorized credits: If you have arranged to have direct deposits made to your Card account at least once every 60 days from the same person or company, you can call us at 1-866-925-2036 to find out whether or not the deposit has been made.

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. Here's how: Call us at 1-866-925-2036 or write us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583 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 you call.

Notice of varying amounts: If these regular payments may vary in amount, the person you are going to pay should 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).

Liability for failure to stop payment of preauthorized transfer: 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.

h. 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.

i. Receipts
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.

j. Split Transactions and other uses
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 another form of payment. These are called "split transactions." Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash.

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 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 and agree to pay us promptly for the negative balance. We may apply a debit to any subsequent credits to the Card or any other account you have with us for the amount of any negative balance on your Card. 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 are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein. You may not use your Card for any illegal transactions, use at casinos, or any gambling activity.

k. Card Replacement and Expiration If you need to replace your Card for any reason, please contact us at 1-866-925-2036. 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 the Additional Card fee for replacement cards that we send due to expiration of the Card.

5. Business Days

For purposes of these disclosures, our business days are Monday through Friday, excluding Federal Reserve Bank holidays.

6. Lost or Stolen Cards; Unauthorized Transactions.

a. Contact

If you believe your Card or PIN has been lost or stolen, call: 1-866-925-2036 or write: AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your Card or PIN without your permission.

b. 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 toll-free at 1-866-925-2036 is the best way of keeping your possible losses down. You could lose all the money in your Card account. If you tell us within 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN 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 for a reasonable period.

c. In case of errors or questions about your Electronic Transfers

Telephone us at 1-866-925-2036 or write us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583 as soon as you can, if you think an error has occurred in your Card 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. You may request a written history of your transactions at any time by contacting us at the number or address above. You will need to tell us:
• Your name and Card account 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 we used in our investigation. If you have any further questions regarding our error resolution procedures, please contact us by calling1-866-925-2036.

d. Your Liability for Unauthorized Visa or MasterCard Prepaid Card Transactions

Under MasterCard rules, your liability for unauthorized MasterCard debit transactions on your Card account is $0.00 if you notify us within two (2) business days and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. This reduced liability does not apply if you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period.

Under Visa rules, your liability for unauthorized Visa debit transactions on your Card account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or fraudulent in the handling of your Card or PIN. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals.

These provisions limiting your liability do not apply to debit transactions not processed by MasterCard or Visa. Additionally, see the paragraph above labeled “Your Liability for Unauthorized Transfers” as it relates to other unauthorized transfers.

7. Confidentiality

We may disclose information to third parties about your Card account or the transactions you make:
(1) Where it is necessary for completing transactions;
(2) In order to verify the existence and condition of your Card account for a third party, such as a merchant;
(3) In order to comply with government agency or court orders, or other legal reporting requirements;
(4) If you give us your written permission; or
(5) To our employees, auditors, affiliates, service providers, or attorneys as needed.

8. Our Liability for Failure to Complete Transactions

If we do not complete a transaction to or from your Card account on time or in the correct amount according to our Agreement with you, we will be liable for your losses and damages proximately caused by us. However, there are some exceptions. We will not be liable, for instance:
(1) If, through no fault of ours, you do not have enough funds available in your Card account to complete the transaction;
(2) If a merchant refuses to accept your Card;
(3) If an ATM where you are making a cash withdrawal does not have enough cash;
(4) If an electronic terminal where you are making a transaction does not operate properly and you knew about the problem when you initiated the transaction;
(5) If access to your Card has been blocked after you reported your Card or PIN lost or stolen;
(6) If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
(7) If we have reason to believe the requested transaction is unauthorized;
(8) If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken;
(9) Any other exception stated in our Agreement with you.

9. Change of Address

You are responsible for notifying us immediately upon any change to your 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.

10. Unclaimed Property

Your Card is subject to unclaimed property laws. 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.

11. Other Terms

Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules of any association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. We may (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt you owe us now and in the future). 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. This Agreement will be governed by the law of the State of South Dakota except to the extent governed by federal law.

12. Amendment and Cancellation

We may amend or change the terms of this Agreement at any time without prior notice to you except as required by applicable law. We may cancel or suspend your Card or this Agreement at any time without prior notice to you except as required by applicable law. You will be notified of any change 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. You may close your Card at any time by contacting us at 1-866-925-2036. Your termination of this Agreement will not affect any of our rights or your obligations arising under this 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 Agreement.

13. Telephone Monitoring/Recording

From time to time, we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.

14. No Warranty Regarding Goods and Services

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.

15. Arbitration

Purpose: This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) may be arbitrated instead of litigated in court.

Definitions: As used in this Arbitration Provision, the term “Claim” means any claim, dispute or controversy between you and us arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Provision or the Agreements. “Claim” includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. The term “Claim” is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any additional cardholders designated by you; (ii) the amount of available funds in the Card accounts; (iii) advertisements, promotions or oral or written statements related to the Cards, goods or services purchased with the Cards; (iv) the benefits and services related to the Cards; and (v) your enrollment for any Card. 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 the court.

As used in the Arbitration Provision, the terms “we” and “us” shall for all purposes mean the Bank, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, “we” or “us” shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors 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 asserted by you. 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 use a Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all additional cardholders.

Initiation of Arbitration Proceeding/Selection of Administrator: 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. Claims shall be referred to either the Judicial Arbitration and Mediation Services (“JAMS”), or the American Arbitration Association (“AAA”), as selected by the party electing to use arbitration. 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: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org .

Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE JAMS, OR AAA, AS APPLICABLE (THE “CODE”). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.

Restrictions on Arbitration: 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. The arbitrator’s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator’s authority to make awards is limited to you and us alone. 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.

Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.

Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the “FAA”). 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 party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party’s notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of the objecting party’s submission. 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. The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA. 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 arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to its Code and issue its decision within one hundred twenty (120) days of the date of the appellant's written notice. The decision of the panel shall be by majority vote and shall be final and binding.

Continuation: 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 Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.

This Card is issued by MetaBank, Member FDIC, pursuant to a license from MasterCard International Incorporated or Visa U.S.A. Inc. as applicable.
5501 S. Broadband Lane
Sioux Falls, SD 57108
1-866-925-2036
www.accountnow.com
© 2010-2015 MetaBank
BILL PAY SERVICE TERMS
(Subscriber Agreement)

These Bill Pay Service Terms ("Bill Pay Terms") govern your access to and use of the Pay Anyone Bill Pay service ("Bill Pay Service"), the websites or telephone services from which you access the Bill Pay Service (collectively, the "Bill Pay Site"), and the data used to process and complete bill payment transactions (the "Data"). The Bill Pay Service is made available to you through our service providers as a service in association with certain prepaid cards issued by MetaBank®, The Bancorp Bank or Green Dot Bank. "Card" means the prepaid card issued to you by MetaBank, The Bancorp Bank or Green Dot Bank. "We," "us," and "our" means the bank that issued your Card, and its successors, affiliates or assignees. "You" and "your" means each person who uses the Bill Pay Service.

Use of Bill Pay Service. During the term of these Bill Pay Terms, you may use the Bill Pay Service and the Bill Pay Site at such time as they are generally available and to obtain and to use the Data solely as permitted by these terms. You are granted no license to use or access our or our service provider's software, data, or property other than for the purposes of using the Bill Pay Service.

Indemnity. You agree to defend, indemnify and hold us and our service providers harmless from and against any third party claims, including any damages, costs, expenses and attorneys' fees arising out of your use of the Bill Pay Service, the Bill Pay Site or the Data.

Usage Limitations, Obligations and Availability. The Bill Pay Service, the Bill Pay Site and the Data are our or our service provider's valuable property and trade secrets. You agree that you will not provide access to the Bill Pay Service to any party other than yourself, and you will take reasonable precautions to safeguard your Personal Identification Number ("PIN") and keep it confidential. You agree to use the Bill Pay Service, the Bill Pay Site and the Data only for lawful purposes. You are responsible to provide at your own expense all necessary telephone lines, Internet connection and equipment needed to access the Bill Pay Service. You must maintain the confidentiality of your assigned user name and PIN for the Bill Pay Service and you are responsible for all charges incurred under your user name and PIN, unless otherwise provided under these terms. The availability of the Bill Pay Service, the Bill Pay Site and the Data may be subject to interruption and delay due to causes beyond our reasonable control.

Changes to the Bill Pay Service and these Bill Pay Terms. We reserve the right to change the Bill Pay Service and these Bill Pay Terms, including fees, in our sole discretion and from time to time, without notice to you except as required by applicable law. If you do not agree to any amendments, you may stop using the Bill Pay Service. Your use of the Bill Pay Service after you are notified of any change will constitute your agreement to the change.

Method of Payment. We will make payments for you either electronically, or using a paper draft drawn on your funds debited from your Card. All payments to certain payees will be solely by check, draft, or similar paper instrument drawn on your funds debited from your Card. Each payee that will be paid in this manner will be identified to you at the time you request us to make a payment to the payee. As used in these Bill Pay Terms, these payments are referred to as "paper payments." The term "electronic funds transfers" means all payments we process for you except paper payments.

Authority to Debit Card. You authorize us to debit funds associated with your Card in order to fund payments that you initiate using the Bill Pay Service. We will charge your Card and you agree to maintain a balance that is sufficient to fund all payments you initiate. You may change the payment date of any single scheduled recurring payment by changing it on the Bill Pay Site at least one (1) business day before the scheduled date of the payment. However, we will continue to charge your Card for that payment and for other recurring payments until the expiration date you set for the payments or the date you cancel the recurring payments through the Bill Pay Service, whichever occurs sooner.

Preauthorized Payments - Right to Stop Payment If you have told us in advance to make regular payments out of your Card Account, you can stop any of these payments. Here's how: Call us at 1-877-984-7465 or write us at Bill Pay Customer Service, P.O. Box 1966, San Ramon, CA 94583 in time for us to receive your request three (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 fourteen (14) days after you call. If you order us to stop one of these payments three (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. If these regular payments may vary in amount, the person you are going to pay will tell you, ten (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.)

Payment Addresses. We reserve the right to change the address used for paper payments, without notification, in the following situations:

  1. The information returned by our address cleansing process determines the format of the address does not comply with the U.S. Postal Service (USPS) standards.
  2. We have determined that the address provided is not a valid address for the payee.
  3. The payee has closed the address, and provided us (via the USPS) with the new address.
  4. We have established a relationship with the payee to send payments to a different address than the one provided on the statement.
In all cases, we attempt to act in a way to expedite the proper posting of your payment.

Fees. There are no transaction fees for using "standard processing" Bill Pay Service. The only applicable fee is a Bill Pay Expedited Service fee for expedited Bill Pay Service processing, set forth below. Fees payable by you for use of the Bill Pay Service will be calculated and deducted automatically by electronic funds transfer from your Card account

Bill Pay Expedited Service (BILL PAYMENT)
To have your funds delivered one to four business days faster
$9.95 per request

Our Right to Refuse to Make Payments. You agree not to use the Bill Pay Service to make payments to payees outside the United States (a "Prohibited Payment"). You further agree that the following payments ("Restricted Payments") are discouraged, but may be scheduled at your own risk: (i) tax payments to the Internal Revenue Service or any state or other government agency, (ii) court-ordered payments, such as alimony or child support, or (iii) payments to insurance companies. In the event we make an error in processing a Restricted Payment, you agree that we will not have any responsibility for any negative impact to you and you will be responsible for collecting any overpayment we have forwarded. The fact that we make a mistake in processing a Restricted Payment does not mean that we cannot collect from you or your Card any funds we sent to the payee on your behalf. We will not notify you if you attempt to make a Prohibited Payment or a Restricted Payment and we will not be liable if we do not make a Prohibited Payment or a Restricted Payment. We may refuse to make any payment that we believe to be prohibited by law. If you fail to maintain a balance on the Card that is sufficient to fund any payment that you initiate, we may refuse to make any subsequent payment for as long as we determine to be necessary or appropriate. We also reserve the right and will promptly notify you of our decision to refuse to make any other payment.

Changes to Your Information. You agree to promptly update all your profile information, including but not limited to, name, physical address, and email address. We are not responsible for any mail we forward to your old mailing or email address prior to your update of your profile information.

Term and Termination. You may terminate these Bill Pay Terms by closing your Card or notifying us in writing. We may terminate or discontinue the Bill Pay Service at any time. The termination of the service shall not affect any fees or charges already due to us from you.

Disclaimer of Warranty. YOU EXPRESSLY AGREE THAT USE OF THE BILL PAY SERVICE, THE BILL PAY SITE AND THE DATA IS AT YOUR SOLE RISK, AND THE BILL PAY SERVICE, THE BILL PAY SITE, AND THE DATA ARE PROVIDED "AS IS" WITH NO WARRANTIES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF AVAILABILITY, RELIABILITY, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

Limitation of Liability. IN NO EVENT WILL WE OR OUR SERVICE PROVIDERS BE RESPONSIBLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE BILL PAY SERVICE. OUR AND OUR SERVICE PROVIDERS’ TOTAL, AGGREGATE LIABILITY TO YOU IS LIMITED TO THE AGGREGATE AMOUNT OF FEES YOU HAVE PAID WHILE USING THE BILL PAY SERVICE DURING THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO YOUR CLAIM.

Our Liability for Failure to Complete Transactions. You must select the processing date for any payment, or specify a payment rule in the system that automatically selects this date for you. This date should be at least six (6) business days prior to the payment due date to ensure that there is enough time for the payee to receive and post the payment. As we cannot control the U.S. Postal Service or other aspects of the various systems and processes that together ensure that your payments get from us to your payee, we cannot guarantee that any payment will be received by the payment due date, and we are not responsible for any costs, expenses or other damages you incur if your payment is not received by the payee on or before the payment due date. However, if you have followed our rules, allow us sufficient time to make the payment, and we have issued you a confirmation number for a payment, we will reimburse you for any late charge assessed to you because we do not send that payment, up to a maximum of $50.00 per late payment, unless we are not responsible to you for one of the reasons listed below. We may require that you provide us with satisfactory written documentation of any late fee before making reimbursement to you. THIS IS OUR ONLY OBLIGATION TO YOU FOR ANY PAYMENT DELAYS OR FAILURE. IN ADDITION, IF YOU DO NOT FOLLOW THESE RULES OR IF YOU DO NOT ALLOW US ENOUGH TIME TO COMPLETE A PAYMENT, YOU ALONE ARE RESPONSIBLE FOR ANY PENALTIES OR LATE CHARGES ON THAT PAYMENT. We may set an expiration date (usually ninety (90) days from date of issue) for any payment check we send to a payee. If we do this, we may stop payment of the check if the payee does not cash the check on or before the expiration date. We will then notify you and issue a credit to your Card for the amount of the check.

We are not responsible for any failure to complete or delay in completing any payment due to any of the following:

  1. Your Card does not contain sufficient funds to complete the transaction.
  2. Your Card is closed.
  3. We identify you as a credit risk and choose to complete all your payments by paper means, or to terminate your use of the Bill Pay Service.
  4. The payee rejects or returns the payment for any reason.
  5. Your equipment, software or any communications link is not working properly.
  6. The Bill Pay Service is unavailable and you know or we have told you about the problem before you send the payment.
  7. You have provided us with incorrect information about the payee you wish to pay.
  8. The payee mishandles or delays handling or posting any payment we send.
  9. Circumstances beyond our control (for example, fire, flood, interference from an outside source, postal delays) prevent or delay the transfer or payment from being completed.

We may set a maximum dollar amount for payment or refuse to permit any payment if we reasonably believe such refusal is necessary or advisable for security reasons. If you make an overpayment that causes a credit to an account with your payee, you will be responsible to make appropriate arrangements with the payee to receive a refund of the credit or have it applied against future balances. You will remain responsible to reimburse us for any negative balance resulting from funds we have paid on your behalf.

Other Provisions. Neither these Bill Pay Terms nor any portion hereof shall be assigned, sublicensed or otherwise transferred by you without our prior written consent. If any provision of these Bill Pay Terms is unenforceable, the validity and enforceability of the other provisions shall not be affected. Failure of any party to enforce any provision of these Bill Pay Terms shall not be construed as a waiver of such provision or of the right to enforce such provision. These Bill Pay Terms shall be governed by and construed under the laws of the State of South Dakota without regard to conflicts of laws provisions. You hereby consent to the jurisdiction of the state courts of South Dakota and the federal courts within the state with respect to any claim relating to these Bill Pay Terms. The Disclaimer of Warranty, Indemnity and the Other Provisions sections of these Bill Pay Terms shall survive the termination of these Bill Pay Terms. The parties agree that communications relating to the Bill Pay Terms sent via email constitute a "writing" for all purposes, including the giving of notice, hereunder.

Bill Pay Contact information. If you have any questions about the Bill Pay Service, please call the toll-free telephone number listed in the back of your Card or write us at Bill Pay Customer Service, P.O. Box 1966, San Ramon, CA 94583.

Entire Bill Pay Terms. These Bill Pay Terms and other provisions of this Agreement, and any terms or rules disclosed on the Bill Pay Site regarding use of the Bill Pay Service, are the entire understanding and agreement between you and us with respect to the Bill Pay Service and supersede any other oral or written agreements.

By accessing and using the Bill Pay Service on the Bill Pay Site, you agree to these Bill Pay Terms.

Consent to Electronic Disclosures
Consent to Electronic Disclosures

We suggest you read this document and print a copy for your reference.

Note: This Consent to Electronic Disclosures (“Disclosure”) applies to any and all communications or disclosures that we are legally required to provide to you in writing in connection with your Prepaid 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 when you obtained your Prepaid Card. As used in this Disclosure, “Prepaid Card” means the prepaid card issued by either MetaBank or The Bancorp Bank (each, an “Issuing Bank”) and serviced by AccountNow. “Card Account” means the account you have with the Issuing Bank associated with your Prepaid Card. The words "we," "us," and "our" refer to the Issuing Bank that issued your Prepaid Card. The words "you" and "your" mean you, and the individual(s) identified on the Card Account.

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 your Prepaid Card and any related products and services
  • Your Cardholder Agreement and any 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
  • Notices regarding insufficient funds or negative balances

2. Method of Providing Communications to You in Electronic Form. All Communications that we provide to you in electronic form will be provided by e-mail or by access to the following web sites:

  • For Prepaid Cards issued by The Bancorp Bank, www.accountnow.com
  • For Prepaid Cards issued by MetaBank (other than the MoneyGram AccountNow Prepaid Visa Debit Card), www.accountnow.com
  • For the MoneyGram AccountNow Prepaid Visa Debit Card, www.mymoneygramaccountnowvisa.com
The Issuing Bank is listed on the back of your Prepaid Card.

3. How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form at any time by writing us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583 or calling us at 1-866-921-9885. If you do, we will send subsequent Communications to you in writing to the most current address we have for you in our records. 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.

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 writing us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583 or calling us at 1-866-921-9885.

5. Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have:

  • An Internet browser that supports 128 bit encryption.
  • Microsoft Internet Explorer 8.0 or above, or the equivalent software browser.
  • Sufficient electronic storage capacity on your computer's hard drive or other data storage unit.
  • An e-mail account with an Internet service provider and e-mail software supporting HTML formatting.
  • A personal computer (for PCs: Pentium 120-MHz or higher; for Macintosh, Power Mac 9500, Power PC 604 processor: 120-MHz Base or higher), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via HTML formatted e-mail or by access to our web site using one of the browsers specified above.
  • Adobe Reader version 9.0 or higher.

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 by writing us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583 or calling us at 1-866-921-9885. 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.

Privacy Policy

 Rev Nov 2013

FACTS

WHAT DOES METABANK® DO WITH YOUR PERSONAL INFORMATION?

 

 

Why?

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.

 

 

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

■ Social Security number and account balances,

■ Payment history and account transactions and

■ Transaction history

When you are no longer our customer, we continue to share your information as described in this notice.

 

 

How?

All financial companies need to share consumers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their consumers’ personal information; the reasons MetaBank chooses to share; and whether you can limit this sharing.

 

 

Reasons we can share your personal information

Does MetaBank share?

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

Yes

No

For our marketing purposes —  to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes —  information about your transactions and experiences

No

We do not share

For our affiliates’ everyday business purposes —  information about your creditworthiness

No

We do not share

For our affiliates to market to you

No

We do not share

For nonaffiliates to market to you

Yes

Yes

 

 

 

 

To Limit Our

Sharing

Call 1-866-546-7998 - our menu will prompt you through your choices.
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

 

Questions?

Call 1-866-546-7998 or go to my.accountnow.com/privacypolicy/

 

 


 

 

Page 2

 

 

 

Who we are

Who is providing this notice?

This privacy policy is provided by MetaBank and applies to MetaBank card products and related products and services.

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

■ Register your card or pay a bill

■ Make a purchase or other transaction

■ Provide us your name or other information

 

Why can’t I limit all sharing?

  Federal law gives you the right to limit only

■ Sharing for affiliates' everyday business purposes — information about your creditworthiness

■ Affiliates from using your information to market to you

■ Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

 

 

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

■ MetaBank has no affiliates with which it shares your personal information.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

■ MetaBank does share with nonaffiliates so they can market to you. You may opt out of this sharing.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

■ We may partner with nonaffiliated financial companies to jointly market financial products or services to you.

 

 

Other Important Information

 

If you are a resident of California or Vermont, we will not share with nonaffiliates except for our own marketing purposes, our everyday business purposes, or with your consent. Nevada residents: We are providing this notice pursuant to Nevada law.

 















The AccountNow Gold Visa Prepaid card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted.

* IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions 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 a copy of your driver’s license or other identifying documents

Applies to customers with recurring direct deposits, and will be effective after the first direct deposit is received. Faster access to funds is based on comparison of traditional banking policies versus eligible electronic direct deposit. Direct deposit and early deposit capability is subject to payer's support of the feature and timing of payer's funding. See your Cardholder Agreement for fees, terms and conditions.

This is not a credit card.

AccountNow is a trademark of AccountNow, Inc. All other trademarks, service marks and other registered marks are the property of their respective owners.

© Copyright 2014 AccountNow, Inc. All Rights Reserved.



Better Business Bureau
Member since 2006

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Member FDIC