The notice may be in the form of a motion or petition to compel arbitration. Virtual Card. You additionally authorize Community Federal Savings Bank to receive funds from DriveWealth for deposit into your Card Account. Such authorization shall be provided by the Primary Accountholder or an Authorized Approver to Greenlight and/or the Issuer via the Greenlight application. Plans range from $4.99 - $14.98 per month for up to 5 kids. 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 for such refunds and agree to the refund policy of that merchant. The direct deposit agreement with the employer may include additional terms and conditions outside the scope of this Cardholder Agreement, and you authorize the Secondary Cardholder to accept those additional terms and conditions, which shall govern in the event of any inconsistency between the direct deposit agreement, on the one hand, and any provision of this Cardholder Agreement, on the other. Furthermore, in the event that the balance of your Primary Account and any Secondary Accounts is insufficient to cover the amount owed,whether such amount is owed to the Issuer or Greenlight, the Primary Accountholder authorizes Greenlight to debit the Funding Account for the amount owed. The Invest Account Services are not available for any Card Accounts enrolled in the Greenlight Select Plan. Each Administrator charges fees to administer an arbitration proceeding and the arbitrator also charges fees. On the home screen, tap Settings . In contrast, any assets, whether cash, securities, or otherwise, in your Invest Account(s) are not held at Community Federal Savings Bank, and Community Federal Savings Bank has no responsibility for such funds. If approved by Community Federal Savings Bank or Greenlight, a new cardholder may be eligible to receive a Virtual Card through the Greenlight application at the time of successful enrollment (as described in the following sentences) and existing cardholders might also be eligible to receive a Virtual Card in their Greenlight application whenever they are approved by Community Federal Savings Bank or Greenlight to receive a Virtual Card in their Application. Where is the routing number located on a check? SWIFT codes are between eight and 11 characters long and consist of: A four-letter bank code. How to find my routing number. The Issuer is an FDIC-insured member institution. In the case of a Standing Authorization for an auto-funding transaction such as a monthly recurring load to a Primary Account or a load to a Primary Account to fund a shortfall in an auto-funded allowance or an auto-funded Invest Account transaction, the Funding Account will be designated in advance by the ACH Authorizer through the Greenlight application and the amount of each subsequent debit entry(ies) will be determined by the Greenlight application as the amount necessary to complete the auto-funding event (e.g., monthly load amount determined in advance by ACH Authorizer or allowance shortfall calculated by the Greenlight application). ASecondary Accountmeans a Card Account that is a sub-account of the Primary Account, established by the Primary Accountholder and utilized for the purpose of identifying, monitoring and approving Card transactions by a Secondary Cardholder, and managing separate purses such as the spend, save, give and earn purses established for each Secondary Cardholder. The first four digits are the Federal Reserve Routing Symbol, the second four digits are the ABA. You agree that we may use this phone number to contact you for any business purpose about your Card Account and you agree to be responsible for any fees or charges you incur as a result of providing this information. To the extent permitted by law and as permitted by the Arbitration clause below, you agree to be liable to us and Greenlight for any loss, costs, or expenses that we may incur as a result of any dispute or legal proceeding involving your Card Account. Greenlight does not hold any consumer funds; any funds that you may add to your Card Account are solely held by Community Federal Savings Bank unless transferred to your Invest Account held by DriveWealth in order to make purchases of equity securities. By enrolling for these types of communications, you understand and agree to be responsible for any fees or charges you incur as a result of this enrollment. We may contact you at home, at your place of employment, on your mobile telephone at any time, including weekends and holidays, at any frequency and leave prerecorded messages or messages with others. If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the transaction history was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. 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. The initial value load, as well as each value reload, is referred to in this Agreement as aload. With the exception of the Greenlight Select Plan, all of the Card Plans will provide you with access to Invest Account Services if you are eligible, as described below, and satisfy all of the requirements for enrollment. The bank routing number search tool above helps checking routing number format, verifying the financial institute associated with the routing number, and giving out the routing number (s) of a financial institute. Some merchants may require payment for the remaining balance in cash. The monthly limit on ATM cash withdrawal transactions (collectively, for the Primary Account and all Secondary Accounts) is $500.00. Large multinational banks can have several different routing numbers, typically based on the state . If you can't seem to find your check routing number, don't panic. Arbitration proceedings are private and less formal than court trials. When we attempt to contact you, we may identify ourselves, our relationship and our purpose for contacting you even if others might hear or read it. The funds underlying your Card Account are held by Community Federal Savings Bank and FDIC-insured up to the applicable limits in the event Community Federal Savings Bank fails, provided we have been able to fully verify your identity. READ THIS ARBITRATION PROVISION CAREFULLY. The kids' and teens' banking app with investing. Your Liability for Unauthorized Transfers.. The Greenlight Max Plan includes all of the features and functionality included under the Greenlight Core Plan, together with the Invest Account Services, and all of the additional features and functionality of the Greenlight Max Plan Services as described in the Greenlight Terms of Service which is available in the Policy Center link of the Greenlight website at www.greenlight.com. 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. The bank routing number and direct deposit account number are for the purpose of initiating direct deposits to your prepaid Card Account only. Select 'Direct deposit' Follow the prompts to set up direct deposit. 2023 Greenlight Financial Technology, Inc. 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. If your Card Account is closed, your Invest Account will also be closed in accordance with the Advisory Agreement and the Greenlight Advisors Invest Terms of Service. Keep in mind the routing numbers are 9-digit codes and the character symbol surrounding the numbers is not part of the routing number on a check. However, if you are the Claimant, we will pay your reasonable attorney, expert, and witness fees and costs if you prevail or if we must bear such fees and costs in order for this Arbitration Provision to be enforced. We may cancel or suspend your Card or this Agreement at any time. Dollars. Rules of Interpretation:This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. How can I dispute a charge on my Greenlight account? Greenlightmeans Greenlight Financial Technology, Inc., which provides the Greenlight Services under the card program. Access Denied If you have any questions, call (800) 624-6308 Your decision to opt out of this Arbitration Provision will not have any other effect on this Agreement and will not affect any other arbitration agreement between you and us, which will remain in full force and effect. BY CONNECTING A FUNDING ACCOUNT TO THE PRIMARY ACCOUNT, THE OWNER OF SUCH FUNDING ACCOUNT AUTHORIZES ANY PARTY WITH ACCESS TO THE PRIMARY ACCOUNT TO INITIATE LOADS FROM THAT FUNDING ACCOUNT. The account number (11 digits) identifies your individual account. Even after the receipt and selection of a PIN for your Physical Card, your Virtual Card (if one has been selected) will continue to be available for use in the Greenlight application. We may amend or change the terms and conditions of this Agreement at any time. The Greenlight + Invest Plan is only available to existing customers who are already enrolled in this Card Plan, and this Card Plan is closed to any new customers. If AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent the Administrator will be selected by a court. Wells Fargo Routing Number. The Card is non-transferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. You remain liable for any and all usage of an additional Card you authorize. a. Domestic Wire Transfer. The platform includes Part 11 compliant review and approval workflows, fully integrated ISO 14971 Risk Management standards, and facilitates your team's ability to easily demonstrate compliance with both 21 CFR Part 820 and ISO 13485:2016. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. Our ATM withdrawal fees are in addition to any fees which may be imposed by (i) Greenlight; and/or (ii) the owners of ATMs or other networks for the use of their terminals. It is important to know your available balance before making any transaction. You are responsible for keeping track of your Card Account available balance. Each routing number is made up of nine digits. Arbitration of a Claim must comply with this Arbitration Provision and, to the extent not inconsistent or in conflict with this Arbitration Provision, the applicable rules of the arbitration Administrator. Pathward powers financial inclusion for all and is committed to providing a path forward to people and businesses to reach the next stage of their financial journey. The Primary Accountholder may load the Primary Account with proceeds that are transferred from the Invest Account by directing such transactions through the Greenlight application. If you permit another person to have access to your Cards or Card numbers, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. An ABA (American Bankers Association) routing number is the first number sequence that appears on the bottom left of your paper checks. The format of check transit number - XXXXX - YYY. The Card is a prepaid card. This Arbitration Provision survives any termination, amendment, expiration, or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. The steps are given below. 2 At the election of the Primary Accountholder, only one Card Plan and one Monthly Fee will apply for a particular month. If the transaction is not finalized or settled, it may take up to 30 days for the authorization hold to be removed. Refer a Member Win $250 or More! Fedwire - You can look up your routing . Here are some of the ways to find your number online: On this website - We've listed routing numbers for some of the biggest banks in the US. Four Steps: Respond: Immediate response to the point, positive, neutral or negative. Canadian Transit Number: Canadian Transit Number is a 9 character code used for routing of cheques (checks) and paper instruments in the banking industry. If your request is reasonable and in good faith, we will pay or reimburse you for all or part of the fees charged to you by the Administrator and/or arbitrator. You can get fast access to Green Dot Customer Care specialists by becoming a Green Dot VIP. The Greenlight card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. If you have a TD Bank checking account, you can also find your routing number on a check the check routing number is the first nine numbers in the lower left corner. AFunding Accountis the Primary Accountholders or an Authorized Approvers account at a third-party financial institution that is used to load the Primary Account. 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. You must notify us to revoke permission for any person you previously authorized to use a Card. Greenlight Infinity My Account Debit Card Family Cash Card Can't find what you're looking for? We may refuse to process any transaction that we believe may violate the terms of this Agreement. The ACH Authorizer acknowledges that debits to the Funding Account(s) under this authorization must comply with U.S. laws. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. The two first digits range from: 1 to 12 for regular banks. Debit Card for Kids and Teens | Greenlight Learn to earn, save, and invest together. 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. The Primary Accountholder may request Secondary Accounts in connection with the Greenlight Services. You may request a written history of your transactions at any time by calling or writing us at the contact information listed above. If you are offered a Virtual Card, it will automatically be activated following the successful verification of the identity of the Primary Accountholder and the initial value load of the Card Account in accordance with the Issuers funds availability policy. In the case of a Standing Authorization for funding transactions (other than auto funding transactions), the ACH Authorizer will be required to use the Greenlight application to designate the specific Funding Account (if there is more than one enrolled), and the amount of any subsequent debit entry(ies). Each party to the dispute has an opportunity to present some evidence to the arbitrator. They will ask you a few basic questions to determine your routing number. .css-az4jm5{font-size:0.875rem;font-weight:500;line-height:1.125rem;margin-right:0.5rem;text-align:left;}@media (min-width: 768px){.css-az4jm5{font-size:0.875rem;}}@media (min-width: 1024px){.css-az4jm5{font-size:1.125rem;}}@media (min-width: 768px){.css-az4jm5{line-height:1.125rem;}}@media (min-width: 1024px){.css-az4jm5{line-height:1.5rem;}}@media (min-width: 768px){.css-az4jm5{margin-right:1.5rem;}}@media (min-width: 1024px){.css-az4jm5{margin-right:1.5rem;}}One month, on us.Sign up today for a one-month trial. Routing numbers are sometimes referred to as an American Bankers Association routing transit number or an ABA RTN. If you are interested in talking to a live person about your Green Dot account, you may experience long wait times. You will be offered three different Card Plans and tiers of service to choose from; each with a different set of features and functionality. 4 The Greenlight + Invest Plan is no longer available to be selected by new customers, but, until further notice, will remain in effect for any existing customers currently enrolled in this Card Plan. The check will typically have the 9 digit routing number down on the bottom left of the check. Compare Chase with Greenlight, side-by-side. Short for Automatic Clearing House, ACH numbers are unique to each bank in the US. Write down your Card number and the customer service phone number provided in this Agreement on a separate piece of paper in case your Card is lost, stolen, or destroyed. If you use your Physical Card at an automated fuel dispenser (pay at the pump), the merchant may preauthorize the transaction for an amount up to $100 or more. Once the final settlement amount is received, the preauthorization amount on hold will be removed. Cash Reward Program A Better Way to Buy or Sell. North Adams Greylock North Adams Branch. 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. Personal checks, cashiers checks, and money orders sent to the Issuer are not an acceptable form of loading. The Primary Accountholder, or an Authorized Approver, may load the Primary Account by ACH. Investing for Kids is primarily an educational tool for Secondary Cardholders, which provides kids with access to research on more than 4,000 stocks and ETFs that can be purchased (collectively, Equities), pop-ups inside the Greenlight application that explain investing concepts and provide a glossary of commonly used investing terms, and short videos or educational nuggets which explain investing concepts. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. You can open a Chase First Checking account for your child who is 6-17 years old. Also, we will pay these fees if applicable law requires us to, if you prevail in the arbitration, or if we must bear such fees in order for this Arbitration Provision to be enforced. IF YOU SELECT ANY CARD PLAN INCLUDING INVEST ACCOUNT SERVICES, YOU AUTHORIZE US AND GREENLIGHT TO DISCLOSE YOUR PERSONAL INFORMATION TO GREENLIGHT ADVISORS AND DRIVEWEALTH AS NECESSARY FOR GREENLIGHT ADVISORS AND DRIVEWEALTH TO PROVIDE THE INVEST ACCOUNT SERVICES AND ANY RELATED SERVICES. If you use your Virtual Card for a mail order, telephone, or Internet purchase, the legal effect will be the same as if you used the Physical Card itself. YOU FURTHER ACKNOWLEDGE THAT THE MONTHLY FEE STRUCTURE WHICH COMBINES THE SERVICES PROVIDED BY US, TOGETHER WITH THE INVEST ACCOUNT SERVICES, IS SOLELY FOR EASE OF BILLING PURPOSES, AND THE DIVISION OF FEES PAID TO THE BANK AND FEES PAID TO GREENLIGHT ADVISORS FOR INVESTMENT ADVISORY SERVICES ARE CLEARLY SPELLED OUT UNDER FEE SCHEDULE HEREIN AND IN THE ADVISORY AGREEMENT. 131 Ashland Street North Adams, MA 01247. Upon receipt of your Physical Card, you will be prompted to create a PIN for your corresponding Card Account within the Greenlight application or by calling 888-483-2645. Our business days are Monday through Friday, excluding federal holidays, even if we are open. During the hold period, you will not have access to the preauthorized amount. Please note: all direct deposits must be from the child's employer and in the child's name. It will be in a sequence of three numbers printed in MICR (magnetic ink character recognition) form. Investing involves risk and may include the loss of capital. At the timely request of either party, the arbitrator must provide a brief written explanation of the basis for the award. Users on earlier app versions can call us at 888-483-2645 to set up direct deposit. You can also cancel your Card Account at any time, but you will not be eligible for a partial refund of the unused portion of the Monthly Fee allocable to the remainder of your current monthly billing cycle. If you need more information about our error-resolution procedures, contact us at the telephone number or address shown below in Customer Service. Our writers, editors, and product analysts are financial industry veterans. Greenlight will send the Primary Accountholder an electronic notification, which will state the amount to be debited to satisfy the negative balance. 026009593. International Wire Transfer to Bank of America account in the USA. Your prepaid Card Account and associated direct deposit account number cannot be used to make payments through preauthorized direct debits from merchants or from utility or Internet service providers. If your account number only has nine digits, as on the cheque account number below, simply add two zeros in front, like this: 00123456701. The minimum amount of an initial value load by ACH and the minimum amount of any subsequent reload shall be established by the Issuer from time to time and disclosed in the Greenlight Policy Center which appears in the footer of www.greenlight.com. If you have subscribed to a Card Plan with Invest Account Services and have established an Invest Account with DriveWealth, if we are unable to collect your Monthly Fee after 60 days, Greenlight Advisors may direct DriveWealth to sell all securities registered in your name through the Greenlight program and apply the proceeds first to pay us any past due Monthly Fees as well as any other past due fees under this Agreement, and then to pay any remaining balance to you. Wells Fargo Alabama. Online banking portal: You'll be able to get your bank's routing number by logging into online banking. Routing number = 000127601. If you have and use a Physical Card and a Virtual Card at the same time, both forms of your Card will be associated with one Primary Account Number (PAN), which will allow you to access the funds available in your Card Account. The second set of numbers should be your account number - the length might vary depending on your specific bank. ; Check or statement - US Bank-issued check or bank statement. 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. Routing numbers are nine-digit numbers that identify your bank or credit union in a financial transaction. The Primary Accountholder may revoke such authorization at any time by terminating enrollment in the Greenlight Services. Deposit products offered by Wells Fargo Bank, N.A. In order to obtain the account number and routing number for your Sub-Account, please contact Greenlight at 1-888-483-2645. 303 Peachtree Street NE, Suite 4300 Community Federal Savings Bank does not serve as an investment advisor or a broker dealer in connection with the Invest Account Services; any securities that are acquired by a Primary Accountholder 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 (FDIC). 125200057. You may obtain information about the amount of money you have remaining in your Card Account by calling 888-483-2645. Greenlight Core Plan Services means all of the core account services offered to cardholders on the Greenlight application as further described in the Greenlight Terms of Service available in the Policy Center on the Greenlight website at www.greenlight.com. In all cases, the Primary Accountholder (and not the Secondary Cardholder or child) will be the owner of the broker-dealer account established with DriveWealth for buying and selling Equities. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph labeled Your Liability for Unauthorized Transfers.. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. PNWFCU routing number: 323075754. Type of wire transfer. Sign in to your bank account and go to "account information" or "account summary." The routing. Share the account and routing information with your child's employer. Call us Contact Customer Support at (866) 795-7597 5am-9pm PST, 7 days a week. Federal Reserve Routing Symbol. 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. In the app, kids and parents create their own logins with two different experiences. Check Routing Number. Using the BMO cheque example, your routing number is 27601-001. You should get a receipt at the time you make a transaction using your Card, including ATM withdrawals. Participation in the Invest Account Services is subject to approval by Greenlight Advisors and DriveWealth, and the required Invest Account Services agreements and disclosures are subject to change at any time. Any translation provided may not accurately represent the information in the original English. ; Check or statement - Wells Fargo-issued check or bank statement. A court rarely overturns an arbitrators decision. The Greenlight Services fees are unrelated to any such fees that may be charged to you by a third party, arising from your use of Greenlight Services. All amounts are expressed in U.S. Phone Numbers; Member Service - Call, chat or text 8am-8pm M-F, 10am-2pm Saturday: 503-256-5858 (call or text) . You may change your PIN for your Card Account within the Greenlight application or by calling 888-483-2645. 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. The Greenlight Select Plan includes all of the Greenlight Core Plan Services with the exception that it does not include any Invest Account Services (as defined below). The easiest way to find your routing number is to take a look at one of your checks. In addition to the three Card Plans listed above that are available for enrollment at any time pursuant to the terms and conditions set forth in this Agreement, there are also two other Card Plans, the Greenlight Select Plan and the Greenlight + Invest Plan that are restricted by Greenlight and can only be selected under the limited circumstances outlined in this Agreement. DriveWealth means DriveWealth, LLC, an SEC registered broker-dealer and member of the Financial Industry Regulatory Authority, Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). You must also agree to a variety of separate agreements and disclosures which are housed in the Policy Center link on the Greenlight website at www.greenlight.com and available through the Greenlight application. 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. You will bear the expense of your attorneys, experts, and witnesses if we prevail in an arbitration. You may request, be issued, and/or use a physical plastic Card (a Physical Card) or a digital representation of the Card (a Virtual Card), which will be displayed in the Greenlight application if you have been approved to receive a Virtual Card. The expiration date of your Card is identified on the front of your Physical Card, or on the digital representation of your Virtual Card. Holiday hours may apply. Primary Accountmeans the Primary Accountholders Card Account. Our contacts with you about your Card Account are not unsolicited. Our goal is to stay positive or neutral. You may use your Card to purchase or lease goods or services everywhere Mastercard debit cards are accepted as long as you do not exceed the value available on your Card Account. 3 An amount equal to $2.99 per month represents the fee for investment advisory services being charged by Greenlight Advisors in connection with the Invest Account Services pursuant to the separate Advisory Agreement. The format of check transit number - XXXXX - YYY The first 5 digit is called branch transit number and identifies the exact branch of the bank. Raise financially-smart kids.