Radius Pay Terms

Electronics Records Disclosure & Agreement

Welcome to the Radius Bank (“we,” “us,” “our” and the “Bank”) Radius Pay Application (the “App”). As part of the enrollment process you must agree to the terms and conditions governing the use of the App (such terms and conditions being the “Radius Pay Application User Agreement”). Before you use the App you must agree to receive a copy of the Radius Pay Application User Agreement, receipts for any transactions that you initiate using the App, any statement of transactions that we or our service providers may provide to you from time to time (each individually and all collectively being the “Materials”) electronically. We will need your consent to provide you with these Materials electronically. Therefore, please review the terms of this Electronic Records Disclosure and Agreement (the “Electronic Records Agreement”) prior to giving your consent, and retain a copy of this Electronic Records Agreement and the Materials for your records.

Materials You Will Receive Electronically. By providing your consent under this Electronic Records Agreement, you agree that the Bank will provide you with the following documents solely in electronic form:

 

  • The Materials, as defined above; and
  • Any addendums or notices of any revisions to the Materials that we may provide to you from time to time.

 

Your Consent is Required. You must consent to receiving these Materials before we can provide them to you electronically. Your consent will apply to your enrollment in the Service and any Materials we provide or make available to you.

Paper Copy of Materials. If you do not want to receive the Materials electronically, you should exit this site. If you do not consent to receiving an electronic copy of the Materials, you will not be able to download the App. If you consent to receive the Materials electronically, you can also request a paper copy of the Materials by contacting our Customer Service Center by phone at (800) 242-0272. We will not charge you any fees for providing a paper copy of the Materials.

Withdrawing Your Consent. If you later decide you do not want to receive the Materials electronically, you may withdraw your consent by contacting our Customer Service Center by phone at the number listed above. If you withdraw your consent, however, you may no longer use the App.

Updating Your Contact Information. If you consent to receive the Materials electronically, we will contact you at the e-mail address you have provided to us. Please be certain that we have your correct and updated e-mail address. If you change your e-mail address, you may provide your new e-mail address to us by contacting our Customer Information Center by phone at the number listed above. 

System Requirements to Access the Information. To receive an electronic copy of the Materials, you must have the following equipment and software:

  •  Hardware Requirements: You must have a cellular telephone or other wireless device which is capable of accessing the Internet and receiving electronic mail. Depending on your means of accessing the Internet through the cellular telephone or other wireless device you may also require a data plan from your wireless service provider that permits that cellular telephone or other wireless device to access the Internet. Your access to this page verifies that your system meets these requirements. 
  •  Software Requirements: Regardless of your means of accessing the Internet you must have an Internet web browser which is capable of supporting 128-bit SSL encrypted communications. 

System Requirements to Retain the Information. To retain a copy of the Materials being provided to you electronically, you must be able to print them or to electronically save them. To print the Materials you must have a functioning printer that you may connect to your cellular telephone or other wireless device which is able to print the Materials on plain white 8½ x 11 inch paper. To save the Materials your cellular telephone or other wireless device must either have internal memory or the ability to add an external memory card where the Materials may be saved.

Systems Enhancements. If the form of the Materials changes so as to require different or additional hardware or software, or upgrades, plug-ins or enhancements to the hardware or software used by you (all such changes referred to as the “Enhancement”), we will notify you and you may either terminate the App or upgrade your hardware and/or software as required by the Enhancement. If the Bank determines that the need for an Enhancement creates a material risk that you may not be able to access or retain the Materials electronically, the Bank will notify you and allow you to either: (a) withdraw your consent to the App or (b) re-confirm your consent to receive the Materials in a manner that reasonably demonstrates that you have upgraded your hardware or software to conform to the required Enhancement. If you choose to withdraw your consent, or you fail to re-confirm your consent, the Bank will terminate your ability to use the App.

BY USING THE APP YOU AGREE TO RECEIVE THE MATERIALS ELECTRONICALLY.

Radius Pay Application User Agreement

1. Scope of this User Agreement; Definitions. The App is provided to you by the Bank pursuant to the terms of this Radius Pay Application User Agreement (the “User Agreement”). This User Agreement is between the Radius Bank (“we,” “us,” “our” and the “Bank”) and the user who has downloaded the App (the "you” or “your”). We make the App available to your through the use of a third party service provider SCVNGR, Inc., doing business as “LevelUp.” The term “Party” refers either to you or us, the term “Parties” refers to both you and us. When we use the term “Card” in this User Agreement it means either (a) a debit card or (b) a credit card issued to you in your name that you link to the App for the purpose of making point-of-sale purchases (“POS Purchases”) as described in this User Agreement. You understand that the App utilizes the Internet and email access of your cellular telephone or other wireless communication device (the "Device"). YOU UNDERSTAND AND AGREE THAT (A) BY USING THE APP YOU MAY INCUR DATA RATE AND OTHER CHARGES IMPOSED BY YOUR WIRELESS SERVICE PROVIDER, (B) WE DO NOT IMPOSE SUCH CHARGES AND (C) YOUR STANDARD WIRELESS SERVICE RATES WILL APPLY. In case of questions regarding your use of the App, please contact our Customer Service Center at (800) 242-0272. BY USING THE APP YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF (A) THIS USER AGREEMENT AND (B) THE LEVELUP TERMS AND CONDITIONS FOUND AT https://www.thelevelup.com/legal, WHICH ARE INCORPORATED INTO THIS USER AGREEMENT. YOU UNDERSTAND AND AGREE THAT IN THE EVENT ANY ELEMENT OF THIS USER AGREEMENT CONFLICTS WITH THE LEVELUP TERMS AND CONDITIONS, THE LATTER WILL GOVERN.

2. Downloading and Using the App. You acknowledge and agree that the App is being made available to you by the Bank and/or its service providers, including LevelUp. The Bank and/or its service providers (including LevelUp) is, and remains after your download, the owner of all right, title and interest in and to any and all (a) downloaded software associated with and comprising the App, (b) copies, updates or revised versions of the App and (c) user documentation associated with the App. Subject to the terms and conditions of this User Agreement, you are hereby granted a limited, nonexclusive license to use the App in accordance with the terms of this User Agreement. All rights not expressly granted to you by this User Agreement are hereby reserved by the Bank and/or its service providers (including LevelUp). Nothing in this User Agreement entitles you to receive hard-copy documentation, technical support, telephone assistance, or updates to the App unless provided by the Bank and/or its service providers (including LevelUp). This User Agreement may be terminated at any time, for any reason or no reason. Upon termination, you agree to immediately delete all copies of the App in your possession or control. 

3. Restrictions on Use of the App. You shall not: (a) modify, revise or create any derivative works of the App; (b) decompile, reverse engineer or otherwise attempt to derive the source code for the App; (c) redistribute, sell, rent, lease, sublicense, or otherwise transfer rights to the App; or (d) remove or alter any proprietary notices, legends, symbols or labels in the App, including, but not limited to, any trademark, logo or copyright. 

4. Disclaimer of Warranty. THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGMENT. NO WARRANTY IS PROVIDED THAT THE APP WILL BE FREE FROM DEFECTS OR VIRUSES OR THAT OPERATION OF THE APP WILL BE UNINTERRUPTED. YOUR USE OF THE APP AND ANY OTHER MATERIAL OR SERVICES DOWNLOADED OR AVAILABLE TO YOU THROUGH THE APP IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULING FROM THEIR USE.

5. Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE BANK, THE PROVIDER OF ANY FINANCIAL SERVICES AVAILABLE THROUGH OR RELATED TO THE APP, ANY OF THEIR CONTRACTORS OR PROVIDERS OR ANY OF EACH OF THEIR AFFILIATES BE LIABLE FOR ANY DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE APP, INCLUDING BUT NOT LIMITED TO ANY GENERAL, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY THEREOF, AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT OR OTHERWISE) UPON WHICH ANY CLAIM IS BASED. IN ANY CASE, LIABILITY OF THE BANK OR ANY OF THE OTHER PERSONS OR ENTITIES DESCRIBED IN THE PRECEDING SENTENCE ARISING OUT OF THE USE OR INABILITY TO USE THE SORadiusWARE SHALL NOT EXCEED IN THE AGGREGATE THE LESSER OF $ 10.00 OR THE SUM OF THE FEES PAID BY YOU FOR THE LICENSE TO USE THE APP. 

6. Agreements With Your Wireless Communications Carrier Remain Unchanged. You understand and agree that you are also subject to the terms and conditions of your agreements with the provider of wireless communication services (the "Wireless Carrier") for your Device. We are not affiliated or associated with the Wireless Carrier. This User Agreement does not affect your agreements with your Wireless Carrier. Those agreements may provide for fees, limitations and restrictions which might impact your use of the App. You are solely responsible for adhering to all the terms and conditions of your agreements with your Wireless Carrier, including the payment of all fees and costs and abiding by any limitations and restrictions imposed by your Wireless Carrier.

7. Agreements with Card-Issuing Financial Institutions. You understand and agree that you are also subject to the terms and conditions of your agreement with the financial institutions that issued the Card that you linked to the App. Unless you have linked a Card that we issued to you to the App, we are not affiliated or associated with these financial institutions. This User Agreement does not affect your agreements with the financial institutions that issued your Card. Those agreements may provide for fees, limitations and restrictions which might impact your use of the App. You are solely responsible for adhering to all the terms and conditions of your agreements with the financial institution that issued your Card, including the payment of all fees and costs and abiding by any limitations and restrictions imposed by such financial institution. 

8. Your Representations and Warranties. By downloading and/or using the App, you represent and warrant that:

 

  • (a) You are the legal owner of the Device to which the App is to be downloaded and used;
  • (b) If your Card is a debit card, you are either (i) the sole or joint legal owner of or (ii) otherwise have the right to make withdrawals and debit card point of sale purchases from the deposit account to which the Card is linked under the deposit account agreement and related disclosures provided to you by the financial institution holding the deposit account to which your debit card is linked;
  • (c) If your Card is a credit card, you are either (i) the borrower or (ii) otherwise have the right to use the credit card to make point of sale purchases under the terms and conditions of the credit card cardholder agreement and related disclosures provided to you by the financial institution that issued the credit card;
  • (d) The Card that you have linked to the App was issued to you and is used by you for personal, family or household purposes and was not issued to you for business or commercial purposes;
  • (e) You are authorized to permit the Bank or any third party vendors of the Bank to use any information you submit to configure the App to be compatible with the Device and to function in accordance with the terms and conditions of this User Agreement; and
  • (f) All information you provide to us in connection with the App is accurate, current and complete, and that you have the right to provide such information.

 

9. Your Covenants. By downloading and/or using the App, you covenant that:

  • (a) You will use the App in full compliance with the terms and conditions of this User Agreement and only at approved merchant locations;
  • (b) You will install and use personal identification number (or “PIN”) locks on (i) your Device and (ii) the App;
  • (c) You will keep your Device and the PINs to both your Device and the App safe and secure;
  • (d) You will not permit third parties to use the App and you will not provide the PIN to either your Device or the App to third parties, if you provide your Device and/or your PINs to a third party you understand and agree that any POS Purchases initiated by that third party using the App will be considered authorized by you;
  • (e) You will check the receipts that we or our service providers (including LevelUp) provide to you (as more fully described, below) when provided and report any errors to us promptly by calling us on a Business Day at (800) 242-0272 (please consult www.radiusbank.com for customer service hours); and
  • (f) If you use any location-based features associated with either your Device or the App, you agree that your geographic location and other personal information may be accessed and disclosed through the App to us and our service providers, including LevelUp. If you wish to revoke access to such location-based information, you understand that you must cease using location-based features of your Device and/or the App.
  • (g) You will not:
    • i. Participate in or assist in any fraudulent or deceptive act or practice;
    • ii. Use the App to impersonate another person or entity;
    • iii. Violate any law, statute, ordinance or regulation;
    • iv. Make a statement to Bank that is false, misleading or inaccurate;
    • v. Be defamatory, libelous, unlawfully threatening or unlawfully harassing;
    • vi. Interfere with or disrupt the App or other software;
    • vii. Interfere with or disrupt the use of the App by any other user;
    • viii. Use the Device to which the App was downloaded in a manner that violates any term or condition applicable to you under the terms of your agreement with your Wireless Carrier;
    • ix. “Jailbreak,” “root” or otherwise tamper with the firmware and software of your Device; or
    • x. Use the App to gain unauthorized entry or access to the systems or information of others.

10. POS Purchase Transactions. When you download the App to your Device you will be asked to link the App to your Card. Once the download and linking is complete, you may use the App to display a Quick Response Code (or “QR Code”) on your Device to make POS Purchases at “Participating Merchants.” A Participating Merchant is a retail merchant who has installed a QR Code reader that is capable of reading the QR Code displayed on your Device. To initiate a POS Purchase you will hold your Device, displaying the QR Code, in front of the QR Code reader at the Participating Merchant location. Once the QR Code reader recognizes the QR Code displayed by your Device LevelUp will either authorize or decline the POS Purchase from the Participating Merchant. If it approves the POS Purchase, LevelUp will fund the Participating Merchant and then seek authorization for the POS Purchase from the financial institution that issued your Card. If your Card is a debit card, the POS Purchase (if authorized) will deduct the amount of the POS Purchase (plus any additional gratuity or other amount you add) from the checking account that is linked as the primary funding account for your debit card. If your Card is a credit card, the POS Purchase (if authorized) will advance funds from your credit card account in the amount of the POS Purchase (plus any additional gratuity or other amount you add). In both instances, the Card transactions authorized by your financial institution will be considered payable to LevelUp and LevelUp will appear on the periodic statement provided by the financial institution issuing your Card as the recipient of the funds. From time to time LevelUp may (but is not required to) “bundle” several POS Purchases from one or more Participating Merchants and submit the aggregate amount of such bundled POS Purchases to the financial institution issuing your Card for approval. The number of POS Purchases that LevelUp may “bundle” may vary. You should be aware that POS Purchases that LevelUp “bundles” may not be submitted by LevelUp for authorization to the Card-issuing financial institution on the same day as the POS Purchases occur. If the Card-issuing financial institution authorizes the bundled POS Purchases the aggregate amount of the bundled POS Purchases will appear as a single transaction on the periodic statement issued by your Card-issuing financial institution, with LevelUp appearing as the recipient of the funds. Regardless of whether POS Purchases are processed individually or are bundled, you agree that you remain responsible for the amount of the POS Purchases authorized by LevelUp. The financial institution issuing your Card may impose limits on the frequency and / or amount of your POS Purchases. We do not impose any additional limits on the frequency or amount of your POS Purchases.  

11. Charges. We do not charge a fee to register for or use the App. However, you may incur charges to receive Internet, cellular or other data service on your Device. YOU ARE RESPONSIBLE FOR ANY FEES OR OTHER CHARGES THAT YOUR WIRELESS CARRIER MAY CHARGE FOR ANY RELATED INTERNET, DOWNLOAD OR OTHER DATA SERVICES. 

12. Termination. You will have access to the App until terminated by Bank, by you, or by a third party such as your Wireless Carrier or Device vendor. You may cancel participation in the App by deleting the App from the Device or terminating the link of your Card to the App. You understand and agree that the Bank or its third party vendors may change or cancel the App, or may suspend your access to the App at any time without notice and for any reason, including but not limited to, your non-use of the App or your breach of any representation, warranty, covenant or other obligation under the terms of this User Agreement. The Bank and its third party vendors shall not be liable for any modification or discontinuance of the App. Termination shall not affect your liability under this user Agreement for POS Purchases initiated by you before the termination of the App. 

13. Reporting Unauthorized POS Purchases. If you believe your Device and/or Device PIN or App PIN have been lost, stolen or otherwise compromised or used without your authorization call us at: (800) 242-0272 during a Business Day [8:30AM – 5:00PM]. You may also write to us at: Radius Bank, ATTN: Customer Service, One Harbor Street, Boston MA 02210 or e-mail us at customerservice@radiusbank.com. 

14. Business Days and Hours of Operation. For the purposes of this User Agreement, the term “Business Day” means Monday through Friday. Holidays are not included. You can use your Device and App at Participating Merchants during their regular business hours. However, your ability to use the App may be limited or restricted during regular or special maintenance periods. We may process requests for POS Purchases only on Business Days. 

15. Miscellaneous Provisions. 

 

  • (a) Entire Agreement. This User Agreement constitutes the entire agreement between the Parties concerning the subject matter hereof. It supersedes any agreements between the Parties other than this User Agreement relating to the App. Bank may amend the terms and conditions of this User Agreement at any time, and will provide notice of any amendment as required under applicable law. Your use of the App following any amendment to the terms of this User Agreement constitutes your agreement to the terms and conditions of the User Agreement as revised.
  • (b) Choice of Law and Venue. This User Agreement will be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, excluding that body of laws pertaining to conflict of laws. All disputes relating to this User Agreement are subject to the exclusive jurisdiction of the courts of the Commonwealth of Massachusetts and the Parties expressly consent to jurisdiction and venue thereof and therein.  
  • (c) Severability. If any provision of this User Agreement is declared invalid by a court or other tribunal of competent jurisdiction then such provision shall be ineffective only to the extent of such invalidity, so that the remainder of that provision and all remaining provisions of this User Agreement shall be valid and enforceable to the fullest extent permitted by applicable law.
  • (d) Notices. Any notice to be delivered to you shall be sent by regular mail or e-mail to your most recent address on the Bank's records. Notices to Bank shall be delivered in person at any office of the Bank, by telephone at (800) 242-0272 during a Business Day (please consult www.radiusbank.com for customer service hours), or sent by first class mail, postage prepaid to Radius Bank, ATTN: Customer Service, One Harbor Street, Boston MA 02210.
  • (e) Survival. Provisions of this User Agreement that by their nature are intended to survive the termination or expiration of this User Agreement will survive the termination or expiration of this User Agreement.

 

16. Electronic Fund Transfer Provisions. If the Card you link to the App is a debit card, the following additional provisions apply to your use of the App:

 

  • (a) Contact Us With Questions About POS Purchases. ALL QUESTIONS ABOUT POS PURCHASES MADE WITH THE APP MUST BE DIRECTED TO US (RADIUS BANK), AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU HAVE YOUR ACCOUNT. We are responsible for the App and for resolving any errors in POS Purchases made with the App.

    We will not send you a periodic statement listing POS Purchases that you make using the App, unless you have a deposit account with us. The POS Purchases will appear only on the statement issued by your bank or other financial institution. SAVE THE RECEIPTS YOU ARE GIVEN WHEN YOU USE THE APP, AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE FROM YOUR BANK OR OTHER FINANCIAL INSTITUTION. If you have any questions about one of these transactions, call us at (800) 242-0272 during a Business Day [8:30AM – 5:00PM] or write us at to Radius Union Bank, ATTN: Customer Service, One Harbor Street, Boston MA 02210
  • (b) Your Liability for Unauthorized POS Purchases. Tell us AT ONCE if you believe your Device, your Device PIN and/or your App PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). Your total liability for an unauthorized POS Purchase is limited to no more than $ 50.
  • (c) Receipts. You can get a receipt at the time you make a POS Purchase using the App. You have agreed to have receipts provided to you electronically. You understand and agree that a copy of a receipt provided to you shall be admissible as evidence that a POS Purchase was made using the App. You understand and agree that such documentation shall constitute prima facie proof that such transaction was made.
  • (d) No Recurring Transfers or Stop Payments. All POS Purchases are limited to one-time transactions only. No recurring transfers are permitted. YOU MAY NOT STOP PAYMENT ON POS PURCHASE TRANSACTIONS. THEREFORE YOU SHOULD NOT USE THE APP FOR POS PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT.
  • (e) Bank’s Liability for Failing to Permit POS Purchases. If we do not complete a POS Purchase that you initiate in accordance with the terms of this User Agreement on time or in the correct amount we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
    • i. If, through no fault of ours, the deposit account linked to your Card does not have sufficient funds to make the POS Purchase, or if that deposit account has been closed;
    • ii. If the POS Purchase would go over the credit limit on any overdraft line of credit associated with the deposit account linked to your Card;
    • iii. If the equipment, phone lines, computer systems or Device are not working properly, were temporarily unavailable, failed or malfunctioned and you knew about the breakdown when you started the POS Purchase;
    • iv. If we stop the POS Purchase because we have reason to believe that it has not been properly authenticated or is fraudulent;
    • v. If circumstances beyond our control prevent making a POS Purchase, despite reasonable precautions that we have taken. Such circumstances include, without limitation, conflicts with federal or state law or regulation, acts of civil or military authority, national emergencies, insurrection, war, riots, labor difficulties, natural disasters, acts of God, weather conditions, flaws in the Device or cellular or wireless service, equipment failure or malfunction, material shortage, or failure or malfunction of power, communication or transportation;
    • vi. Interfere with or disrupt the App or other software;
    • vii. If you are in default under this User Agreement; or
    • viii.If either you or the Bank terminate this User Agreement or suspend your right to use the App.
    • ix. “Jailbreak,” “root” or otherwise tamper with the firmware and software of your Device; or
    • x. Use the App to gain unauthorized entry or access to the systems or information of others.
    • There may be other exceptions to our liability stated in this User Agreement or otherwise provided by Applicable Law.
    • IN NO EVENT WILL WE BE LIABLE FOR ANY CONSEQUENTIAL, EXEMPLARY, INDIRECT, OR PUNITIVE DAMAGES OR LOST PROFITS, EVEN IF YOU ADVISE OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.
  • (f) Disclosure of Personal Deposit Account Information to Third Parties. We will disclose information to third parties about the POS Purchases you make using the App:
    • i. Where it is necessary for completing the POS Purchase;
    • ii. In order to verify the existence and condition of your use of the App for a third party, such as a credit bureau or a Participating Merchant;
    • iii. To a person authorized by law to have access to our records as part of his/her official duties (for example: to service your relationship with us or to resolve a dispute or claim);
    • iv. To consumer reporting agencies (as defined by Applicable Law);
    • v. In order to comply with government agency or court orders, such as a lawful subpoena;
    • vi. To our employees, auditors, attorneys and collection agencies in the course of their regular duties;
    • vii. In accordance with our Privacy Policy; or
    • viii.If you give us your written permission, such permission being effective for forty-five (45) calendar days.
  • (g) In Case of Errors or Questions about Your POS Purchases. Call us at (800) 242-0272 on a Business Day [8:30AM – 5:00PM], or write to us as soon as you can at to Radius Bank, ATTN: Customer Service, One Harbor Street, Boston MA 02210, if you think the statement you received from the financial institution holding your deposit account or receipt you receive from us (or our service providers, including LevelUp) is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than ninety (90) calendar days after we firsts sent the FIRST statement on which the problem or error appeared.
    • i. Tell us your name and account number (if any).
    • ii. Describe the error or the POS Purchase you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
    • iii. Tell us the dollar amount of the suspected error.

      If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days.

      We will determine whether an error occurred within ten (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 forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) Business Days for the amount that 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 ten (10) Business Days, we may not provisionally credit your account.

      We will tell you the results within three (3) 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 that we used in our investigation.
  • (h) Miscellaneous. You should contact the bank or other financial institution holding the deposit account linked to your Card to determine if the account to which your Card is linked earns interest or is has any minimum balance requirements that may impact your ability to use the App to make POS Purchases.