How can I dispute a charge on my Greenlight account? If this occurs, then funds will generally be available within five (5) business days after the transfer. 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. The Issuer is an FDIC-insured member institution. On a check. The Primary Accountholder may request Secondary Accounts in connection with the Greenlight Services. c. Starting or Electing to Require Arbitration:Either you or we may start an arbitration of any Claim or require any Claim to be arbitrated. In many cases, these changes will involve adding new features and functionality to a particular Card Plan. You can get fast access to Green Dot Customer Care specialists by becoming a Green Dot VIP. The Card will remain the property of the Issuer and must be surrendered upon demand. For purposes of this Agreement, the term Claim shall have the broadest possible meaning. 1-888-483-2645. Subject to minimum balance requirements and identity verification. Cardmeans the Greenlight Prepaid Mastercard issued to you by Community Federal Savings Bank, which can be a Physical Card or Virtual Card as described below. 2 Month or "Monthly means a rolling 30-day period. For security reasons, we may limit the amount or number of transactions you can make on your Card. You can upgrade or downgrade your Card Plan at any time, but not more often than once each monthly billing cycle. 026009593. You will also need to provide personal information in order to verify your identity during the registration process. If your Card Account is closed, your Invest Account will also be closed in accordance with the terms of Advisory Agreement and the Greenlight Advisors Invest Terms of Service. We may refuse to process any transaction that we believe may violate the terms of this Agreement. Dollars. During this partial month following notice of downgrade, you will not be provided a partial refund as you will continue to receive the services from the higher Card Plan and we will need to cover our reasonable costs to maintain your Card Account. 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. Greenlight Infinity Plan Services means the Greenlight Core Plan Services, the Invest Account Services, the Greenlight Max Plan Services, and all of the additional services offered to Greenlight Infinity Plan cardholders as described in the Greenlight Terms of Service, which is available in the Policy Center on the Greenlight website at www.greenlight.com. This Cardholder Agreement is effective [October 11, 2022]. YOU FURTHER ACKNOWLEDGE AND AGREE THAT COMMUNITY FEDERAL SAVINGS BANK IS NOT LIABLE FOR ANY LOSSES OR DAMAGES OF ANY KIND THAT MAY ARISE FROM, OR IN CONNECTION WITH, THE INVEST ACCOUNT SERVICES. 026009593. International Wire Transfer to Bank of America account in the USA. 111000038, chase, suntrust etc. Why am I being asked to verify my identity? We're here to help. In addition, the ACH Authorizer provides Greenlight and the Issuer with a Single Entry Authorization to debit the Funding Account(s) for the amount of any unpaid Monthly Fees if such amounts are not available in the Primary Account. Any other exception stated in our Agreement with you. 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. In addition to the base services described above which are included in the Greenlight Core Services described under the heading Greenlight Core Plan below, the Greenlight Services also include the Invest Account Services as further described under the heading Invest Account Services below, the Greenlight Max Plan Services as further described under the heading Greenlight Max Plan below, and the Greenlight Infinity Plan Services as further described under the heading Greenlight Infinity Plan below. 303 Peachtree Street NE, Suite 4300 GREENLIGHT CORE Teach your kids smart money management. Different banks and credit unions issue . Plaid, B.V. is included in the public register of the Dutch Central Bank (License number: R179714) and registered at the Dutch Chamber of Commerce (CoC number: 74716603). It is also known as check routing number and MICR Code. 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. Type the name of your bank and "routing number" into a search engine. 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. SINCE COMMUNITY FEDERAL SAVINGS BANK IS NOT INVOLVED IN THE INVEST ACCOUNT SERVICES AND DOES NOT MONITOR DRIVEWEALTH, INCLUDING ITS FINANCIAL HEALTH AND REGULATORY COMPLIANCE, WE RECOMMEND THAT YOU PERFORM AND CONTINUE PERFORMING YOUR OWN DILIGENCE ON DRIVEWEALTH AND THE INVEST ACCOUNT SERVICES BEFORE DECIDING WHETHER TO ENGAGE AND TO CONTINUE ENGAGING IN THE INVEST ACCOUNT SERVICES. Please read this Agreement carefully and keep it for future reference. This reduced liability does not apply if a PIN is used as the method of verification for a disputed transaction or you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period. 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. However, if the change is made for security purposes, we can implement such change without prior notice. The party asserting the Claim (theClaimant) may select the Administrator. If your Physical Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. Greenlight Advisors means Greenlight Investment Advisors, LLC, a wholly-owned subsidiary of Greenlight and a Securities and Exchange Commission (SEC) registered investment advisor. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Here are some of the ways to find your number online: On this page - We've listed the Wells Fargo routing number for checking accounts and wire transfers. The pricing for all five card plans the Greenlight Core Plan, the Greenlight Select Plan, the Greenlight + Invest Plan, the Greenlight Max Plan and the Greenlight Infinity Plan (each, a Card Plan and collectively, the Card Plans) are set forth under the heading Fee Schedule and Balance/Transfer Limitations. The Primary Accountholder is responsible for selecting the applicable Card Plan, and, once selected, the same Card Plan will apply to the Primary Account and all Secondary Accounts associated with your Card Account. The Card is non-transferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. 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). You can open a Chase First Checking account for your child who is 6-17 years old. If made available in your Greenlight Account, your Virtual Card will be displayed in the Greenlight application after the successful verification of the identity of the Primary Accountholder and will be activated and ready for use after the initial value load of the Card Account in accordance with the Issuers funds availability policy as further described under Loading Your Card. Your Virtual Card can only be used for transactions where a physical card is not required such as purchases initiated over the phone or online. 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 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. Notwithstanding the above, Greenlight may refuse to accept any Referred Customer, and such decision shall be at the sole discretion of Greenlight. A two-letter country code. 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. The Invest Account Services are not available for any Card Accounts enrolled in the Greenlight Select Plan. You agree to retain, verify, and reconcile your transactions and receipts. 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. Further, any amounts you elect to transfer from your Card Account to your Invest Account will no longer be available in your Card Account unless funds are later transferred from your Invest Account to your Card Account as described above. You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement. Visit Our Woodhaven Branch. This includes fees not charged by a court. Each party to the dispute has an opportunity to present some evidence to the arbitrator. 1 A single Monthly Fee will be assessed against either the Primary Account or any of the Secondary Accounts if funds are not available in the Primary Account and the Funding Account. 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. Bank of America routing number. The Card is not for resale. Your Card and your obligations under this Agreement may not be assigned, except as permitted by this Agreement. All amounts are expressed in U.S. Investing involves risk and may include the loss of capital. 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. The arbitrator will issue a final and binding decision resolving the dispute(s), which may be enforced as a court judgment. This code identifies the branch (and bank/credit union) on which the cheque is drawn. Hit Continue to review the information ere selecting send money to complete the transaction. Online banking portal: You'll be able to get your bank's routing number by logging into online banking. The cardholder agrees to sign the back of the Card immediately upon receipt. . 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. We will determine whether an error occurred within ten (10) business days of hearing from you and will correct any error promptly. Routing numbers, sometimes called transit numbers, are public and . If you need to replace your Physical Card for any reason, please contact us at 888-483-2645 to request a replacement Card. Get Started Read how we use and collect your information by visiting our Privacy Policy. There are limitations on these transactions as well as limitations on the loading and card balance. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. In no event may an Authorized Approver of the Primary Accountholder establish a Secondary Account, or close an existing Secondary Account. 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. Get started Learn how we collect and use your information by visiting our Privacy Statement. 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. Phone Numbers; Member Service - Call, chat or text 8am-8pm M-F, 10am-2pm Saturday: 503-256-5858 (call or text) . Check Routing Number. You may obtain information about the amount of money you have remaining in your Card Account by calling 888-483-2645. The ACH Authorizer authorizes Greenlight and the Issuer to continue to debit the Funding Account(s) for requested Card Account loads until this authorization is revoked, which can be performed, in many cases, by changing the applicable setting on the Greenlight application, or, in all cases, by calling 1-888-483-2645. If you wish to conduct a split tender transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. ; Check or statement - US Bank-issued check or bank statement. Any references todaysfound in this Agreement are calendar days unless indicated otherwise. If you notify us to revoke another persons use of a Card, we may revoke that Card and issue a new Card with a different number. It's based on the location of the bank where your account was opened. LRC-1121. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled Information About Your Right to Dispute Errors. The two first digits range from: 1 to 12 for regular banks. When you receive your Physical Card, you will be required to select a PIN in the manner described under Personal Identification Number below. In the app, kids and parents create their own logins with two different experiences. 131 Ashland Street North Adams, MA 01247. 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. Under the Investing for Kids feature, a Secondary Cardholder can request the purchase or sale of Equities, including fractional shares of company stock, for an Invest Account tracked separately for each Secondary Cardholder, which will prompt a push message to the Primary Accountholder to approve or reject each proposed Equities transaction. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at 888-483-2645. 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. What do I do if I get a new phone or phone number? The Card is not designed for business use, and we may close your Card Account and require the return of your Card if we determine that it is being used for business purposes. 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. 1. The format of check transit number - XXXXX - YYY. An opt-out notice is only effective if it is signed by you and if we receive it within thirty (30) days after the date you received this Agreement. For errors involving point-of-sale debit card transactions, we may take up to ninety (90) days to investigate your complaint or question. Share the account and routing information with your child's employer. Please note: all direct deposits must be from the child's employer and in the child's name. Access Denied If you have any questions, call (800) 624-6308 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. $4.99 per month.css-brq8ii{color:#035C67;-webkit-text-decoration:none;text-decoration:none;}1,2,3, Load via Debit Card, ACH, Direct Deposit or Transfer from Invest Account, First card replacement is free; subsequent card replacements are $3.50 per card, Card Replacement Express Delivery Fee (optional). 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. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically accessed your Card Account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. 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. The account number (11 digits) identifies your individual account. Funds may be added to your Primary Account, calledvalue loading, at any time, subject to the restrictions below. The Card is a prepaid card. Investing involves risk and may include the loss of capital. The Primary Accountholder may revoke such authorization at any time by terminating enrollment in the Greenlight Services. The three-digit institution number identifies your bank. 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. Under the Mastercard rules, your liability for unauthorized Card transactions on your Card Account is $0.00 if you notify us within two (2) business days and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. Arbitration proceedings are private and less formal than court trials. 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. 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. Further, the Investing for Parents and Investing for Kids features are only available to Card Accounts enrolled in the Greenlight + Invest Plan and higher tier plans (i.e., Greenlight Max Plan and Greenlight Infinity Plan), while the Investing for Parents Lite feature is only available for Card Accounts enrolled in the Greenlight Core Plan. The initial value load, as well as each value reload, is referred to in this Agreement as aload. 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. 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. We can make no representations and warranties about the nature of your Invest Account(s) which will be held by DriveWealth, and we encourage you to review all of the DriveWealth agreements and disclosure documents further described under Invest Account Services below. If you request a Physical Card, it will be mailed to the address you provide to us during the registration process. 2023 Greenlight Financial Technology, Inc. Any translation of this Agreement is provided for your convenience. While Greenlight is a comprehensive banking app for kids of all ages. The first four digits "0530" tells you where the bank is located. 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. The Card is not a credit card. Some merchants do not allow cardholders to conduct split tender transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. Refer a Member Win $250 or More! The maximum number of Secondary Accounts permitted is five (5). 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 Greenlight + Invest Plan includes all of the Greenlight Core Plan Services, together with all of the Invest Account Services as well as any other features and functionality of the Greenlight + Invest Plan as described in the Greenlight Terms of Service available in the Policy Center link available on the Greenlight website at www.greenlight.com. It is also known as check routing number and MICR Code. Firstly, log in and navigate to Pay Bills and People, select Pay People, and send money. Greenlight will send the Primary Accountholder an electronic notification, which will state the amount to be debited to satisfy the negative balance. The arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of limitations and claims of privilege recognized at law. We leverage our personal experience and knowledge to bring clarity to your financial decisions. It is important to know your available balance before making any transaction. You can obtain the account number and routing number for your Secondary Account by accessing such information from the Primary Accountholder's profile settings page within the Application for the applicable Secondary Cardholder, or you can contact support@greenlight.com or call us at 1-888-483-2645 to obtain this information for the . ; Fedwire - You can look up your routing number on the . You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or have been loaded into the Card Account on your behalf, including any transfers from your Invest Account (as described under Loading Your Card below), less the amount of any claims against the Card Account. 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. Limitations on amounts that may be added to your Primary Account and associated fees may be found on the Fee Schedule table below. A routing number is a unique number that identifies a specific banking institution. Our goal is to stay positive or neutral. Email Us About Us Community. Nevertheless, if a settled transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the difference between the Card Account balance and the amount of the settled transaction together with any applicable fees. The Monthly Fee will be deducted from the balance of the Primary Account. If your checking account comes with paper checks, this is one of the first places you can look for your bank routing number. Under the Investing for Parents feature, each Primary Accountholder will be permitted to set up an Invest Account in the Primary Accountholders own name and will be able to access all of the features described in connection with Investing for Kids feature above. Using the BMO cheque example, your routing number is 27601-001. 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).