Like all other financial institutions, Green Dot requires your accounting number and routing number for all transactions. Your cancellation of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. Sign up today for a one-month trial. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. Our writers, editors, and product analysts are financial industry veterans. A two-character location code (letters and digits) for your . Nevertheless, if a settled transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the difference between the Card Account balance and the amount of the settled transaction together with any applicable fees. ; Fedwire - You can look up your routing number on the . The bank routing number and direct deposit account number are for the purpose of . If either you or we require a Claim to be arbitrated, you may tell us in writing that you cannot afford to pay the fees charged by the Administrator and/or the arbitrator or that you believe those fees are too high. Funds transferred from your Card Account to your Invest Account will be available within two business days although, in many cases, transfers may be available much quicker. If you request a Physical Card, your Physical Card will automatically be activated when you select a PIN following Physical Card receipt in the manner described under Personal Identification Number below. Each time you use your Card to make a purchase or obtain cash at an ATM, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. We may also ask to see a copy of your drivers license or other identifying documents. Funds from direct deposits will generally be available on the day the Issuer receives the transfer, pending Greenlights fraud prevention review. Both Greenlight Advisors and DriveWealth are involved with offering you the Invest Account Services as further described under the heading Invest Account Services below. GREENLIGHT CORE Teach your kids smart money management. 2 At the election of the Primary Accountholder, only one Card Plan and one Monthly Fee will apply for a particular month. The features and functionality included in each Card Plan are subject to change at any time, and any such changes will be communicated on the Greenlight website at www.greenlight.com and will become effective whenever posted to the Greenlight website. If we decide to do this, we will credit your Card Account within ten (10) business days for the amount you think is in error (or twenty (20) business days, if the notice of error involves an electronic fund transfer to or from a Card Account within 30 days after the first deposit to the Primary Account was made), so that you will have use of the money during the time it takes us to complete our investigation. If this occurs, then funds will generally be available within five (5) business days after the transfer. d. Choosing the Administrator:Administratormeans the American Arbitration Association (AAA), 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org; JAMS, 1920 Main St. at Gillette Ave., Suite 300, Irvine, CA 92614, www.jamsadr.com, or any other company selected by mutual agreement of the parties. Phone: (413) 664-4477 Fax: (413) 664-7916 VP/Branch Manager: Jean Noel Drive-Up Hours: Monday-Friday: 8:30am-5:00pm FOR THE AVOIDANCE OF DOUBT, THE INVEST ACCOUNT IS NOT MAINTAINED BY COMMUNITY FEDERAL SAVINGS BANK, AND ANY SECURITIES OR FUNDS IN THE INVEST ACCOUNT ARE NOT DEPOSITS OR OTHER OBLIGATIONS OF COMMUNITY FEDERAL SAVINGS BANK, ARE NOT GUARANTEED BY COMMUNITY FEDERAL SAVINGS BANK, AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION. We may refuse to process any transaction that we believe may violate the terms of this Agreement. In the event of a conflict or inconsistency between this Arbitration Provision, on the one hand, and the applicable arbitration rules or the other terms of this Agreement, on the other hand, this Arbitration Provision shall govern. Our business days are Monday through Friday, excluding federal holidays, even if we are open. We can make no representations and warranties about the nature of your Invest Account(s) which will be held by DriveWealth, and we encourage you to review all of the DriveWealth agreements and disclosure documents further described under Invest Account Services below. 2. This code identifies the branch (and bank/credit union) on which the cheque is drawn. The Card is a prepaid card. Routing number Account number. It can be a quicker and simpler way to resolve disputes. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. If you provide this information orally, we may require that you send us your complaint or question in writing within ten (10) business days. Type of wire transfer. By selecting a PIN (as defined below) for your Physical Card or using the Virtual Card, you agree to be bound by the terms and conditions contained in this Agreement. Your Primary Account may be loaded via (i) a debit card transaction from your Funding Account; (ii) an ACH debit transaction from your Funding Account; (iii) a direct deposit of wages authorized by either you or a Secondary Cardholder; or (iv) a transfer of funds from your Invest Account. What Claims Are Covered:Claimmeans any claim, demand, dispute or controversy between you and us that in any way arises from or relates to your Card Account (whether past, present, or future). Both the Primary Accountholder and any Authorized Approver may authorize a load from any Funding Account used to add funds to the Primary Account. ; US Bank online banking - You'll be able to get your US Bank routing number by logging into online banking. The Primary Accountholder hereby authorizes and instructs Community Federal Savings Bank to collect the investment advisory fee payable to Greenlight Advisors (if any) from the Monthly Fee and directs Community Federal Savings Bank to remit such $2.99 investment advisory fee directly to Greenlight Advisors on a monthly basis. Under the Mastercard rules, your liability for unauthorized Card 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. Any revisions to existing disclosures and agreements and any new disclosures and agreements will be posted in the Policy Center link on the Greenlight website at www.greenlight.com. What do I do if I get a new phone or phone number? If you wish to conduct a split tender transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. The purpose of Green Routine: Let go of the last point and focus on the current point. You agree to retain, verify, and reconcile your transactions and receipts. For example, we may contact you by mail, telephone, email, fax, recorded message, text message, or by using an automated dialer device. You can get fast access to Green Dot Customer Care specialists by becoming a Green Dot VIP. If you need more information about our error-resolution procedures, contact us at the telephone number or address shown below in Customer Service. *Greenlight Core and Greenlight + Invest families can earn monthly rewards of 1% per annum, Greenlight Max families can earn 2% per annum, and Greenlight Infinity families can earn 5% per annum on an average daily savings balance of up to $5,000 per family. In order to receive direct deposit value loads, the Primary Accountholder or Secondary Cardholder must provide the employer with the account number and routing number of the Secondary Account. The Greenlight + Invest Plan is no longer available to new customers, but will remain available to any customers with existing subscriptions to this Card Plan. Greenlight Max Plan Services means the Greenlight Core Plan Services, the Invest Account Services, and all of the additional services offered to Greenlight Max Plan cardholders as described in the Greenlight Terms of Service available in the Policy Center on the Greenlight website at www.greenlight.com. 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. Both account numbers and routing numbers are required for banks, credit unions, and other financial institutions to process auto payments, direct deposits, checks, and wire transfers. There are limitations on these transactions as well as limitations on the loading and card balance. If you need to replace your Physical Card for any reason, please contact us at 888-483-2645 to request a replacement Card. Youandyourmean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement, including Secondary Cardholders unless specified otherwise. Under the Investing for Parents feature, each Primary Accountholder will be permitted to set up an Invest Account in the Primary Accountholders own name and will be able to access all of the features described in connection with Investing for Kids feature above. Plaid, B.V. is included in the public register of the Dutch Central Bank (License number: R179714) and registered at the Dutch Chamber of Commerce (CoC number: 74716603). The three-digit institution number identifies your bank. This daily limit is further subject to any additional limitations on withdrawal amounts which may be imposed by ATM operators. Debit Card for Kids and Teens | Greenlight Learn to earn, save, and invest together. READ THIS ARBITRATION PROVISION CAREFULLY. Once the final settlement amount is received, the preauthorization amount on hold will be removed. c. Starting or Electing to Require Arbitration:Either you or we may start an arbitration of any Claim or require any Claim to be arbitrated. Returned from POST /auth/get when there are no valid checking or savings account(s) for which account and routing numbers are provided. 1-888-483-2645. UNLESS YOU ACT PROMPTLY TO REJECT THE ARBITRATION PROVISION BY OPTING OUT IN ACCORDANCE WITH PARAGRAPH a, CAPTIONED OPT-OUT PROCESS, THE ARBITRATION PROVISION WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION, IN THE EVENT OF A DISPUTE. You are better off getting a PayPal debit card, but you need a business account or a personal account that has received at least $500 within the last 12 months. If you can't seem to find your check routing number, don't panic. Different banks and credit unions issue . To be eligible to participate in the Invest Account Services, you must have a Card Account in Good Standing, which means that your Primary Account has completed the account registration and verification process, your Primary Account and all Secondary Accounts have a positive balance, and your Card Account is current with respect to the payment of any Monthly Fee and all other cardholder fees. Restrictions on Preauthorized Debits from Card Account, Fee Schedule and Balance/Transfer Limitations.. You may obtain information about the amount of money you have remaining in your Card Account by calling 888-483-2645. We will not be liable, for instance: If through no fault of ours, you do not have enough funds available on your Card to complete the transaction; If a merchant refuses to accept your Card; If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction; If access to your Card has been blocked after you reported your Card lost or stolen; If there is a hold or your funds are subject to a legal or administrative process or other encumbrance restricting their use; lf we have reason to believe the requested transaction is unauthorized; If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or. This Cardholder Agreement is effective [October 11, 2022]. An ABA (American Bankers Association) routing number is the first number sequence that appears on the bottom left of your paper checks. f. Prohibition Against Certain Proceedings:IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT, OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION, OR MULTIPLE-PARTY ARBITRATION. For car rental transactions, the applicable hold may last up to forty-five (45) days. Enter your online banking credentials Choose to have verification go to your phone via text or call and hit continue Enter the verification code once received Choose the bank account you'd like to use to fund your Greenlight account and hit continue 1 A single Monthly Fee will be assessed against either the Primary Account or any of the Secondary Accounts if funds are not available in the Primary Account and the Funding Account. The Greenlight card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Some merchants do not allow cardholders to conduct split tender transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If made available in your Greenlight Account, your Virtual Card will be displayed in the Greenlight application after the successful verification of the identity of the Primary Accountholder and will be activated and ready for use after the initial value load of the Card Account in accordance with the Issuers funds availability policy as further described under Loading Your Card. Your Virtual Card can only be used for transactions where a physical card is not required such as purchases initiated over the phone or online. a. Offer subject to change at any time. The check will typically have the 9 digit routing number down on the bottom left of the check. We will not ask you to pay or reimburse us for any fees we pay the Administrator or arbitrator. It's based on the location of the bank where your account was opened. You may cancel this Agreement by returning the Physical Card to us. For customer service or additional information regarding your Card, please contact us at: Greenlight Prepaid Mastercard