Download direct express debit card app

Once a transfer or payment instruction has been confirmed by us, you cannot cancel the Transaction. For some Card purchases, such as car rentals and hotel accommodations, the merchant may request authorization in advance for an estimated amount. If the authorization is approved, we place a temporary hold "Transaction Hold" on your funds for the estimated amount of the purchase so that we can ensure that sufficient funds are available when the purchase is completed.

Until the Transaction finally settles or we determine that it is unlikely to be processed, the held funds will not be available for other Transactions. Once the preauthorized Transaction finally settles, we will charge your Card for the correct amount of the final transaction and will release any excess amount. If we determine that it is not likely the preauthorized Transaction will be processed, we will release the hold and those funds will be available for your use.

Pre-Authorized Payments. You may use your Card to make regular, pre-authorized payments to merchants by giving your Card Account information to the merchant. If these payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be.

You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. Transactions We May Refuse to Process A Transaction may not be processed if: a the amount of the Transaction exceeds your available balance, b the Card has been reported lost or stolen, c we are uncertain whether you have authorized the Transaction, or d there is a dispute involving your available balance.

Problems Using Your Card If you experience a problem using your Card at the self-service pump of a gas station, you may have to go inside to pay. If you have problems using your Card and you believe you have sufficient available funds for the Transaction, call us at the Customer Service number below.

If we notice Transactions that are unusual or suspicious, we may place a temporary security "freeze" on your Card while we attempt to contact you. When you withdraw cash or make a purchase, you can get a receipt for the Transaction. In some cases, the receipt will indicate your Card Account balance.

You also can get information about your Card Account balance and a record of your Transactions by calling the Customer Service number below or by visiting www. The balance also may include payments subject to a hold See Section III, Paragraph B "Transaction Holds" or a security freeze See Section V, Paragraph 3] From the website, you can select and print transaction history for up to 12 months for tracking the transactions posted to your Card account.

The amount of your available funds is also available on the receipt you get when you make a withdrawal or balance inquiry at certain ATMs. You also have the right to obtain at least 24 months of written history of Card Account transactions by calling us at the number on the back of your card or writing us at Account Services, PO Box , Omaha, NE You will not be charged a fee for this information, unless you request it more than once a month.

Once your Card or PIN is reported lost, stolen or destroyed, the Card will be cancelled, and you will have no liability for further Transactions conducted with the Card.

In Case of Errors or Questions about Your Card Transactions Call the Customer Service number below or write to us at the address described below as soon as you can if you think an error has occurred in your Card Account. We must hear from you within days after the transfer allegedly in error was credited or debited to your Card Account.

You will need to tell us: Your name and Card number. Why you believe there is an error, and the dollar amount involved. The approximate date when the error took place. Please provide us with your street address, email address and telephone, as well, so that we can communicate with you. We will determine whether an error occurred with 10 Business Days after we hear from you and we 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 Card Account within 10 Business Days 20 Business Days for new Card Accounts opened less than 30 days for the amount you think is in error, so that you will have the use of 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 Card 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. We will tell you the results of our investigation 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 to make our determination. If you need more information about the error resolution procedures, call us at the Customer Service number below. Fees We will charge you and you agree to pay the fees and charges described on the List of All Fees included with your Card.

Adjustments to Your Card Account There are occasions when adjustments will be made to your Card Account balance to: reflect a merchant adjustment; resolve a dispute regarding a Transaction posted to your Card; correct deposits or Transactions posted in error; or because the Agency required the return of the Benefits received after you died or were declared incompetent "Reclamation".

Our Liability to You If we do not complete an electronic fund transfer Transaction to or from your Card Account on time or in the correct amount according to these Terms, we will be liable for your losses or damages. We will not be liable, for instance, if: Through no fault of ours, you do not have enough available funds in your Card Account to complete the Transaction; We believe you may not have authorized the Transaction; Circumstances beyond our control such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or natural disaster prevents or delays the transfer, despite reasonable precautions taken by us; The debit card system being used, including but not limited to the ATM or POS terminal was not working properly and you knew about the problem when you started the Transaction; The Agency did not transmit Benefits for us to credit to your Card Account; Funds in your Card Account were held as a result of legal process, a Transaction hold or security freeze described in these Terms; or The Transaction could not be completed because your Card was damaged.

Suspending or Canceling your Card. We may temporarily suspend or permanently terminate your use of the Card, including electronic access to your Card Account: immediately if: you breach any of the provisions of these Terms; we are notified to do so by the Agency; we believe that there has been or may be unauthorized use of your funds, Card or PIN; there are conflicting claims to your funds; you have made more than one claim of unauthorized Transactions; we believe your Card is being used for any unlawful purpose; or we believe you are named as a specially designated national by the Office of Foreign Asset Control or presidential order; or within 30 days after giving you notice of our intent to suspend or terminate your Card.

You may cancel your Card by giving us prior written notice or telephoning us at the Customer Service number below. Termination of your Card does not relieve you of your responsibility to reimburse us for any amounts owed to us under these Terms even if you cancel the Card. You should notify the Agency when your Card is permanently canceled to make other arrangements for receiving your Benefits. The funds in your Card Account are deemed held in the State of Michigan.

Unless a federal law or regulation applies to a specific section of these Terms or use of the Card, these Terms will be governed by and interpreted in accordance with the laws of the State of Michigan. Depending on where you live, you may have additional rights under certain state laws that apply to us and your Card.

We will comply with applicable federal and state law. Limitation on Time to Sue. An action or proceeding by you to enforce an obligation, duty or right arising under these Terms or applicable law with respect to your Card or Card Account must be commenced within 12 months after the cause of action accrues.

We and our agents, acting on our behalf, collect nonpublic personal information about you e. We restrict access to nonpublic personal information about you to our agents and employees who have a need to know that information in order to process your Card and Transactions. We maintain physical electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

You may not assign your rights or obligations in connection with these Terms or your Card to others. Change in terms. We may add to, delete or change these Terms at any time by providing you with prior notice as required by law. If any provision of these Terms is deemed unlawful, void or unenforceable, it will be deemed severed from these Terms and shall not affect the validity and enforceability of the remaining provisions.

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App Store Preview. Description The mobile application is free to download for the cardholders whose card number starts with Nov 20, Version 3. Ratings and Reviews.