The first two digits "05" correspond to the 12 Federal Reserve Banks that represents the bank. SWIFT Code. If your Physical Card is replaced with another Physical Card having a new PAN, then your Virtual Card will also be replaced with a new Virtual Card displaying the same new PAN. If you elect to downgrade your Card Plan to another Card Plan with a lower Monthly Fee, your Card Plan features on your Card Account will be downgraded and you will be charged the lower Monthly Fee attributable to the new Card Plan on your next monthly renewal date unless you elect to cancel the downgrade prior to your monthly renewal date; provided, however, that you will not be able to cancel a downgrade from the Greenlight + Invest Plan. It is used for electronic transactions such as funds transfers, direct deposits, digital checks, and bill payments. In case of transmission error, or transfer irregularity, your ability to spend the direct deposit funds may be delayed. A Secondary Cardholders direct deposit will be attributed to the individuals Secondary Account. 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). Arbitration is a method of resolving disputes in front of one or more neutral persons, instead of having a trial in court in front of a judge and/or jury. Greenlight Servicesmeans the prepaid account services operated by Greenlight that, among other features, provide the Primary Accountholder (or, where applicable, an Authorized Approver) with the ability to control and monitor various aspects of the Primary Account and Secondary Account(s), including specifically the ability to set spending parameters and approve purchases for any Secondary Account(s). In addition, under the Investing for Parents Lite feature, the Primary Accountholder will only be able to use the Greenlight application to research the select ETFs that are available for purchase under that feature, and will not be able to take advantage of the full research capabilities that are available in the invest portion of the Greenlight application. The account number (11 digits) identifies your individual account. We will not ask you to pay or reimburse us for any fees we pay the Administrator or arbitrator. Any references todaysfound in this Agreement are calendar days unless indicated otherwise. North Adams Greylock North Adams Branch. This 9-digit routing number is the format used for electronic payments and transfers. 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. 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. This Arbitration Provision shall survive the repayment of all amounts owed under this Agreement any legal proceeding and any bankruptcy, to the extent consistent with applicable bankruptcy law. Wells Fargo Arizona. Neither the Issuer nor Greenlight is responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Card. Usually you'll find 3 separate sets of digits there: The first set - which is 9 digits long - is likely to be your routing number. 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). 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. You can reach Bank of America's customer service by calling this number: 1 (800) 432-1000. However, if a Primary Accountholder initially enrolls in a higher tier Card Plan and purchases any Equities while under that Card Plan, then downgrades to the Greenlight Core Plan, the Primary Accountholder will be permitted to retain those Equities purchased prior to the downgrade, but will not be able to increase the amount of their investments in those Equities unless they are also on the curated list of ETFs available under the Investing for Parents Lite feature. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. The bank routing number and direct deposit account number are for the purpose of initiating direct deposits to your prepaid Card Account only. The Invest Account Services are marketed by Greenlight Advisors with different features depending on your Card Plan under the following names: (i) Investing for Kids; (ii) Investing for Parents, and (iii) Investing for Parents Lite. You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement. Plans range from $4.99 - $14.98 per month for up to 5 kids. If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. How to find my routing number. 1 Chase Mobile app is available for select mobile devices. If you do not reject this Arbitration Provision, it will be effective as of the date you received this Agreement. If your Physical Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. 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. 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. 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. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. It is also referred to as an RTN, a routing transit number or an ABA routing number and can be easily be found printed on the bottom left side of your check. Discover quick, simple and convenient way to take command of your bank account, on your mobile phone. Four Steps: Respond: Immediate response to the point, positive, neutral or negative. Funds may be added to your Primary Account, calledvalue loading, at any time, subject to the restrictions below. If you select the Greenlight Infinity Plan, then you will have access to the Greenlight Infinity Plan Services. Invest Account Services means the investment advisory services provided by Greenlight Advisors as a Registered Investment Advisor and the brokerage services provided by DriveWealth as a broker-dealer. Our Liability for Failure to Complete Transactions, Your Liability for Unauthorized Transfers, Information About Your Right to Dispute Errors, Information About Your Right to Dispute Errors, No Warranty Regarding Goods or Services as Applicable, Fee Schedule and Balance/Transfer Limitations, Do Not Sell or Share My Personal Information. Please note: all direct deposits must be from the child's employer and in the child's name. 111000038, chase, suntrust etc. All amounts are expressed in U.S. YOU ACKNOWLEDGE AND AGREE THAT COMMUNITY FEDERAL SAVINGS BANK IS NOT PROVIDING ANY OF THE INVEST ACCOUNT SERVICES INCLUDED IN ANY OF THE CARD PLANS. 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. As we are not a part of, and do not monitor, the transactions you initiate from your Invest Account, you authorize Community Federal Savings Bank to generally follow instructions received from Greenlight Advisors regarding transfers into or out of your Card Account. In no event may an Authorized Approver of the Primary Accountholder establish a Secondary Account, or close an existing Secondary Account. Canadian Transit Number: Canadian Transit Number is a 9 character code used for routing of cheques (checks) and paper instruments in the banking industry. Hit Continue to review the information ere selecting send money to complete the transaction. 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. If your Card Account has a negative balance, Greenlight reserves the right to suspend Greenlight Services until the Primary Accountholder satisfies the negative balance. LRC-1121. Investing involves risk and may include the loss of capital. You will not receive a Personal Identification Number (PIN) for your Virtual Card, and your Virtual Card cannot be used for ATM transactions. 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. Maximum Total Load Amount/Transfer from Invest Account per Family1 per Month2, Point-of-Sale Daily Spend Limit per Secondary Account, Point-of-Sale Monthly2 Spend Limit per Secondary Account, Point-of-Sale Daily Spend Limit per Family1, Point-of-Sale Monthly2 Spend Limit per Family1, Daily Limit for Transfer to Invest Account per Family1, Monthly2 Limit for Transfer to Invest Account per Family1, Daily ATM Cash Withdrawal Limit per Secondary Account (Domestic and International), Monthly2 ATM Cash Withdrawal Limit per Family (Domestic and International)1. You are responsible for keeping track of your Card Account available balance. If you notify us within two (2) business days of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. 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. Domestic Wire Transfer. The ACH Authorizer acknowledges that debits to the Funding Account(s) under this authorization must comply with U.S. laws. Check Routing Number. If you select the Greenlight Core Plan, then you will have access to the Greenlight Core Plan Services. However, if any customer enrolled in the Greenlight + Invest Plan upgrades to the Greenlight Max Plan or Greenlight Infinity Plan, or downgrades to the Greenlight Core Plan or closes its account, the customer will not be able to re-enroll in the Greenlight + Invest Plan.. The steps are given below. Card Accountmeans the records we maintain to account for the value of claims associated with the Card. The numbers were adopted by the banking industry in 1910 to make transactions. The purpose of Green Routine: Let go of the last point and focus on the current point. Some merchants may require payment for the remaining balance in cash. 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. You can also access your account and routing numbers when taking these actions: e. Court and Jury Trials Prohibited; Other Limitations on Legal Rights:IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. The Greenlight Select Plan is available by invitation only to certain customers who receive their Card Accounts through referral partners of Greenlight, and typically in connection with incentives or promotions provided by such referral partner. Compare Chase with Greenlight, side-by-side. This code identifies the branch (and bank/credit union) on which the cheque is drawn. It will be in a sequence of three numbers printed in MICR (magnetic ink character recognition) form. You additionally authorize Community Federal Savings Bank to receive funds from DriveWealth for deposit into your Card Account. If you provide us with your mobile phone number or contact us from your mobile number, you are providing this phone number for us or any third party acting on our behalf to contact you at this number. 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). NOTE: The CFSB App site you selected will open in a new window. Finally, the simplest way to find your Bank of America routing number is to call or visit your bank. The Primary Accountholder is responsible for all authorized transactions initiated and fees incurred by use of your Card(s), including all transactions permitted or approved on any Secondary Account(s). 1. We may close this Card or temporarily or permanently limit specific activities the Card can perform at any time upon suspecting or observing potentially fraudulent activity or activity otherwise prohibited by this Agreement. SWIFT codes are between eight and 11 characters long and consist of: A four-letter bank code. Your account number is the second set of numbers (labeled "2" in the image above). The Card is not for resale. Subject to minimum balance requirements and identity verification. A court rarely overturns an arbitrators decision. If presented for payment, these preauthorized direct debits will be declined and your payment to the merchant or provider will not be processed. 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. g. Location and Costs of Arbitration:Any arbitration hearing that you attend in person must take place at a location reasonably convenient to you, as determined by the arbitrator. In the case of a Recurring Entry for a load amount from a Funding Account to the Primary Account that repeats on regular intervals, the ACH Authorizer will designate the Funding Account(s), the amount to be loaded, and the frequency (e.g., weekly or monthly) through the Greenlight application. NO_INVESTMENT_ACCOUNTS. - Debit card for kids and teens Wells Fargo Alaska. 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. GREENLIGHT CORE Teach your kids smart money management. Call us Contact Customer Support at (866) 795-7597 5am-9pm PST, 7 days a week. Email Us Text Us Or call us at 888-483-2645 We're here to help 24 hours a day, 7 days a week. Any financial rewards or other incentives that may be offered and paid to you by Greenlight based upon Card Account activity or Card Account balances are solely the responsibility of Greenlight, and the Issuer shall have no responsibility for any such offers or payments. If you provide this information orally, we may require that you send us your complaint or question in writing within ten (10) business days. For purposes of this Agreement, the term Claim shall have the broadest possible meaning. The Card is a prepaid card. The maximum number of Secondary Accounts permitted is five (5). In the Chime app, you can access your account and routing numbers by following the steps below: Log into the Chime app on your iPhone or Android. You can get fast access to Green Dot Customer Care specialists by becoming a Green Dot VIP. This Agreement will be governed by the law of the State of New York except to the extent governed by federal law. You will be required to provide personal information which may include your Card number, full name, transaction history, copies of accepted identification, etc. 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. 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. You remain liable for any and all usage of an additional Card you authorize. Where is the routing number located on a check? 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. Federal Reserve Routing Symbol. 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 Greenlight card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. 2023 Greenlight Investment Advisors, LLC (GIA), an SEC Registered Investment Advisor provides investment advisory services to its clients. If your checking account comes with paper checks, this is one of the first places you can look for your bank routing number. If you elect to purchase a specific dollar value of securities through the Greenlight application, in order to facilitate the transfer of the necessary funds from your Card Account to your Invest Account, you also authorize Community Federal Savings Bank to follow instructions from Greenlight Advisors to transfer funds from your Card Account at Community Federal Savings Bank to your Invest Account at DriveWealth on your behalf. Greenlight is the loved, trusted banking app and debit card for kids and teens with an educational investing platform and safety features for the whole family. 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. 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. Wells Fargo Alabama. We may amend or change the terms and conditions of this Agreement at any time. How can I dispute a charge on my Greenlight account? We will bear the expense of our attorneys, experts, and witnesses. Finally, the Greenlight Infinity Plan includes all of the features and functionality included under the Greenlight Max Plan, together with all of the additional features and functionality of the Greenlight Infinity 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 (i) after an initial load your Card Account balance is $0.00 and your Card has been inactive for three (3) or more months; or (ii) your initial load was unsuccessful and you havent completed any loads from any other sources within two weeks following your initial load attempt, then your Card Account may be closed. Raise financially-smart kids. 89-16 Jamaica Avenue Woodhaven, New York 11421 718.847.6333 You will be charged a fee by us for each cash withdrawal made at an ATM in the amount disclosed in the section entitled Fee Schedule and Balance/Transfer Limitations set forth below. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Physical Card for an in-person transaction, your Physical Card is likely to be declined. In case of errors or questions about your Card Account or if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt, call 888-483-2645 or write to Cardholder Services, 303 Peachtree Street NE, Suite 4300, Atlanta, GA 30308. 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 Primary Accountholder or an Authorized Approver may load funds to the Primary Account by authorizing Greenlight and/or the Issuer to initiate a debit card transaction or receive an ACH transaction from any Funding Account for a specified amount either on a one-time or a recurring basis. It's based on the location of the bank where your account was opened. 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. Finding Your Routing Number International Wire Transfers The amount of money being transferred The frequency of the transfer, if it is recurring The date the money should be transferred The reason for the transfer Your bank account information, including the account number and SWIFT code Best Banks Best Savings Accounts Best Checking Accounts 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. The Invest Account Services are not available for any Card Accounts enrolled in the Greenlight Select Plan. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. 2 At the election of the Primary Accountholder, only one Card Plan and one Monthly Fee will apply for a particular month. Refer a Member Win $250 or More! An ABA routing number has nine digits. The arbitrator is authorized to award all remedies permitted by the substantive law that would apply if the action were pending in court (including, without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts). 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. 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 Plans start at $4.99 after the first month. Focusing on banking as a service, corporate lending, and other financial services, Pathward brings the future of banking to all who want it by disrupting traditional banking norms. 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. 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. 2023 Greenlight Financial Technology, Inc. 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 Greenlight + Invest Plan is no longer available to new customers, but will remain available to any customers with existing subscriptions to this Card Plan. 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 the Greenlight + Invest Plan is amended or cancelled, you will be given the opportunity to upgrade into a higher cost Card Plan with additional features or downgrade into the lower cost Greenlight Core Plan effective as of your monthly anniversary date unless otherwise specified. You can open a Chase First Checking account for your child who is 6-17 years old. 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. A two-letter country code. ABA numbers have been around for over 100 years, facilitating check processing. 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. Secondary Cardholderis any individual authorized to use a Secondary Account by the Primary Accountholder. You also have a right to obtain a twenty-four (24) month written history of Card Account transactions by calling 888-483-2645 or by writing us at Cardholder Services, 303 Peachtree Street NE, Suite 4300, Atlanta, GA 30308. Issuer reserves the right to reject or limit transfers via direct deposit in its sole discretion, and may reject or suspend any direct deposit that has identifying information that does not match the identifying information (such as name or Social Security number) that Greenlight may have on file for the payee. Why am I being asked to verify my identity? You will have access to your funds immediately for an initial value load after Physical Card receipt and PIN selection; subsequent value loads will be made available in accordance with the Issuers funds availability policy. The two first digits range from: 1 to 12 for regular banks. 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.
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