Attention: Effective January 25, 2024, Wired Plastic Visa Prepaid account holders with a balance of $0 and no activity within the last six months will be closed. All other accounts will be closed March 11, 2024, please refer to this notice for additional details regarding account closure.

Cardholder Agreement

CARDHOLDER AGREEMENT
IMPORTANT – PLEASE READ CAREFULLY
THIS AGREEMENT CONTAINS SOME PROVISIONS THAT APPLY ONLY TO THE PRIMARY CARD, SOME THAT
ONLY APPLY TO A SECONDARY CARD, AND SOME THAT APPLY TO ALL CARDS.
Terms and Conditions/Definitions for the Wired Plastic
®
Visa
®
Prepaid Card
This Cardholder Agreement (“Agreement”) outlines the terms and conditions under which the Wired Plastic Visa Prepaid
Card has been issued to you (“Primary Cardholder”) by The Bancorp Bank, N.A., (“The Bancorp Bank” or “Issuer”). The
Issuer is an FDIC insured member institution. “Card” and “Cards” each refer to the Wired Plastic Visa Prepaid Card issued
by The Bancorp Bank. “Primary Card” refers to the Card issued to the Primary Cardholder. “Secondary Card” refers to
the Card requested by the Primary Cardholder to be issued to another person (“Secondary Cardholder”). Where
necessary, some terms in this Agreement will apply only to the Secondary Card and will be indicated as such, include the
use of bold type, otherwise, the term “Card” applies to both the Primary Card and Secondary Card(s), if any. “Card
Account” means the records we maintain to account for the value of claims associated with the Card. “You” and “your”
mean the person or persons including the Primary and Secondary Cardholder(s), if any, who have received the Card and
are authorized to use the Card as provided for in this Agreement. “We,” “us,” and “our” mean the Issuer, our successors,
affiliates, or assignees. By accepting and using the Card, you agree to be bound by the terms and conditions contained in
this Agreement and you acknowledge and agree that the value available in the Card Account is limited to the funds that
you have loaded onto the Card Account or have been loaded into the Card Account on your behalf. Each recipient of a
Card agrees to sign the back of it immediately upon receipt. The expiration date of the Card is identified on the front of it.
The Card is a prepaid card. The Card is not connected in any way to any other account. The Card is not a credit card.
The Card is not for resale. You will not receive any interest on the funds in the Card Account. The Card will remain the
property of the Issuer and must be surrendered upon demand. The Card is nontransferable, and it may be canceled,
repossessed, or revoked at any time without prior notice subject to applicable law. The Card is not designed for business
use, and we may close the Card if we determine that it is being used for business purposes. We may refuse to process
any transaction that we believe may violate the terms of this Agreement.
Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to “days”
found in this Agreement are calendar days unless indicated otherwise.
Write down your Card number and the customer service phone number provided in this Agreement on a separate piece of
paper in case your Card is lost, stolen, or destroyed. Keep the paper in a safe place. Please read this Agreement
carefully and keep it for future reference.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial
institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this
means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information
that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
Activate The Card
You must activate the Card before it can be used. You may activate the Card by calling 1-866-335-4784 You will need to
provide personal information in order to verify your identity. There is a fee for activating the Card. For information about
the fee, see the Fee Schedule that’s applicable to your Card.
Personal Identification Number
You will not receive a Personal Identification Number (“PIN”) with the Card. However, you will be prompted to select a
PIN when you activate the Card. See the activation instructions in the “Activate Your Card” section. You should not write
or keep the PIN with the Card. Never share the PIN with anyone. When entering the PIN, be sure it cannot be observed
by others and do not enter the PIN into any terminal that appears to be modified or suspicious. If you believe that anyone
has gained unauthorized access to the PIN, you should advise us immediately following the procedures in the paragraph
labeled “Your Liability for Unauthorized Transfers.”
Secondary Cardholder
The Primary Cardholder may request a Secondary Card for another person. The maximum number of Secondary Cards
permitted is six (6). The Primary Cardholder must notify us to revoke permission for any person previously authorized to
receive the Secondary Card. If we are notified by the Primary Cardholder to revoke another person’s use of a Secondary
Card, we may revoke your Card and issue a new Card with a different number. The Primary Cardholder remains liable for
any and all usage of any Secondary Card(s) and the PIN, if any, selected by the Secondary Cardholder.
A fee may be
assessed to the Primary Cardholder’s Card Account for expedited delivery of a Secondary Card; for more information
about the delivery options and applicable fees, see the section labeled “Primary Card Fee Schedule.” A Secondary Card
may only be loaded with funds that originate from the Primary Cardholder’s Card Account and at any point in time, the
Secondary Card allocation cannot exceed a maximum balance limit of $2,500.00.
NOTE: CERTAIN IMPORTANT TERMS WHICH APPLY EXCLUSIVELY TO THE SECONDARY CARD APPEAR IN
THIS DOCUMENT IN BOLD TYPE.
Authorized Card Users
The Primary Cardholder is responsible for all authorized transactions initiated and fees incurred by use of a Card: if you
permit another person to have access to a Card or the Card number(s), we will treat this as if you have authorized such
use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use
of each Card according to the terms and conditions of this Agreement.
Your Representations and Warranties
By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i)
you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen
or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided
us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection
with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to
comply with its terms; and (vi) you accept the Card.
Cash Access
With a PIN, the Primary Card may be used to obtain cash from any Automated Teller Machine (“ATM”) or any Point-of-
Sale (“POS”) device, as permissible by a merchant, that bears the Visa
®
, Interlink
®
or Maestro
®
Acceptance Mark. All
ATM transactions are treated as cash withdrawal transactions. The Primary Card may also be used to withdraw funds
from a participating bank (Bank Teller Cash Advance). Any funds withdrawn from a POS device will be subject to the
maximum amount that can be spent on the Card per day.
Secondary Cards do not have cash access – the Secondary Card may not be used to withdrawal funds from a
participating bank (Bank Teller Cash Advance), make a withdrawal at an ATM, receive cash back at a POS, or
receive cash by any other means.
These are the maximum limits associated with withdrawing cash from the Primary Card:
Transaction Type
Dollar Limits*
Cash Withdrawal (ATM)
$500.00 per transaction, up to $500.00 per calendar day
Cash Back at POS
Up to $2,500.00 per transaction, up to $2,500.00 per calendar day
Cash Withdrawal ( Bank Teller Cash
Advance)
$500.00 per transaction up to
$500.00 per calendar day
*ATM owner-operators and participating banks and merchants may impose their own fees and lower frequency and/or
dollar limits on cash withdrawals or cash back transactions.
The cumulative spending activity of your Card (or, as applicable, any Secondary Card(s)) for any ATM withdrawal,
POS transaction, PIN/Signature transaction, and Bank Teller Cash Advance is limited to $2,500 per calendar day.
Loading The Card
The Primary Card can be loaded at any time using direct deposit, bank Automated Clearing House (“ACH”) direct load, or
cash loads through participating retail load locations. When making cash loads though participating retail load locations,
you understand you will be doing so subject to the terms and conditions of each location operator. Log in to your Card
Account online at www.wiredplastic.com
for detailed load instructions and visit the retail load location to see their terms
and conditions.
• Direct deposit/bank ACH direct load: Available on the effective date of the deposit or transfer as indicated by
payor.
• Cash load: Usually within one (1) hour, but no later than the end of the next business day.
At our discretion, we may allow a load payment in excess of the limits disclosed below, including the maximum value limit,
to post to your Card Account. However, if such a load payment is permitted to post to your Card Account on one
occasion, there is no guarantee that any load(s), in any form (including Remote Check Deposit, if available), in excess of
the disclosed limit will be permitted in the future. While checks made payable to you as payee may be deposited to your
Card Account using Remote Check Deposit, if available, any personal checks, cashier’s checks, or money orders sent to
the Issuer are not an acceptable form of loading. All such checks and money orders sent to the Issuer for Card loading
will be returned unless the full amount may be applied towards a negative balance, in which case the check or money
order may or may not be loaded to the Card at the discretion of the Issuer.
Secondary Card(s) may only be loaded with funds that originate from the Primary Cardholder’s Card Account.
Each Secondary Card is limited to a maximum balance of $2,500.00.
Remote Check Deposit
Checks made payable to the Primary Cardholder as the payee may be deposited by downloading the Ingo
TM
Money app
to your mobile device and following the instructions provided in the app. The load process will require you to submit an
image of the check along with your 12-digit Direct Deposit account number.
This service is provided by a third-party money transfer service provider. To use it, you need to agree to the terms and
conditions the service provider establishes from time to time. These terms and conditions may include certain limits and
fees for use of the service that are charged by the service provider. The terms and conditions, including the applicable
fees, will be provided to you when you sign up for the service. You will also be notified about any fee for a particular
deposit before you authorize it. Generally, you will not have access to the money you load via remote check capture until
your check clears (typically, ten (10) business days). The service provider may offer immediate funds availability for a fee.
These are the limits associated with loading the Primary Card:
Transaction Type** Dollar Limits
Direct Deposits or ACH Direct Load
$10.00 minimum up to $2,500.00 per 24 hour period
Remote Check Deposit
Visit https://www.ingomoney.com/
for full details.
Cash Loads*
$10.00 minimum per load up to $2,500.00 per 24 hour period
Card to Card (Transfer In)
$500.00 per transaction, up to $950.00 per 24 hour period and
$3,000.00 max per calendar month
Primary Card to Secondary Card Loads Up to $300.00 per transfer, $2,000.00 max per calendar month.
*Third party money transfer services used to load funds to your Card Account may impose their own per transaction,
daily, weekly, or monthly limits on the frequency or amount of cash you can load to your Card Account.
** We may at our discretion allow a load payment in excess of these limits. See the “Loading Your Card” section for
more details about this policy.
Preauthorized Transfers
Your Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service
providers (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the
Merchant or provider will not be made. The Issuer’s bank routing number and the 12 - digit direct deposit account number
are to be used only for the purpose of initiating direct deposits to your Card Account. You are not authorized to provide
the Issuer’s bank routing number and the 12- digit direct deposit account number to anyone other than your employer or a
payer.
Using The Card/Features
The cumulative amount for ATM transactions, POS transactions, PIN/Signature transactions, and Over The Counter
Withdrawals is limited to $2,500 per day. As described above, there are additional limitations on cash withdrawals. These
are the maximum amounts that can be spent on the Card: Card to Card (Transfer Out) feature, does not apply to
Secondary Cards.
Transaction Type Dollar Limits
Card Purchases (Signature or PIN)
$2,500.00 per transaction, up to $2,500.00 per
calendar day
Card to Card (Transfer Out)
$500.00 per transaction, up to $950.00 per 24 hour
period and $3,000.00 max per calendar month
The Card can be used to purchase or lease goods or services everywhere Visa debit cards, Interlink cards or Maestro
cards are accepted as long as you do not exceed the available value of the Card Account and other restrictions (see
examples described below) do not apply. Some merchants do not allow cardholders to conduct split transactions where
you use the Card as partial payment for goods and services and pay the remainder of the balance with another form of
legal tender. If you wish to conduct a split 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 Account to the Card. You must then arrange to pay the
difference using another payment method. Some merchants may require payment for the remaining balance in cash. If
you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Card, the Card is
likely to be declined.
If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for
an amount up to $125.00 or more. If the Card is declined, even though there are sufficient funds available, you
should pay for your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental
purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to
20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A
preauthorization will place a “hold” on those available funds until the merchant sends us the final payment
amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be
removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have
access to the preauthorized amount.
You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you
authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for
that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount
of funds for up to ninety (90) days and Hotel rentals may result in a hold for that amount of funds for up to sixty (60) days.
If you use the Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the
legal effect will be the same as if you had used the Card itself. Card Account restrictions include but are not limited
to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to
comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we
may, with or without prior notice, limit the type, amount, or number of transactions you can make on the Card. You may
not use the Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or
suspend any of the restrictions or add new ones at any time. The Card cannot be redeemed for cash.
Each time you use the Card, you authorize us to reduce the available value of the Card Account by the amount of the
transaction and any applicable fees. You are not allowed to exceed the available amount in the Card Account through an
individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on
the Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable.
Bill Pay Service
The Primary Cardholder may pay bills online at www.wiredplastic.com. There are fees associated with using this service,
See the “Primary Card Fee Schedule” below for details. Bill Pay service does not apply to Secondary Cards.
Canceling a payment of Bill Pay transaction: You may cancel a single or recurring Bill Pay transaction after it is
scheduled, but before it is paid. Here’s how: Visit www.wiredplastic.com or call 1-866-335-4784 before the payment is
scheduled to be made. By calling or visiting the website, you may cancel payments up to three (3) business day prior to
the scheduled payment date. Business day cutoff time is midnight MST. Bill payments sent by paper check may be
cancelled at any time up to one (1) business day prior to the item being presented for payment. There is a fee for bill pay
stop payments, see the section labeled “Primary Card Fee Schedule” for details. If you call, we may also require you to
put your request in writing and get it to us within fourteen (14) days after you call.
Liability for failure to stop payment of Bill Pay transaction: If you order us to stop one of these payments of a Bill Pay
transaction three (3) business days or more before it is scheduled to be made, and we do not do so, we will be liable for
your losses or damages.
Non-Visa Debit Transactions
Procedures are in effect that may impact you when you use the Card at certain merchant locations. In the past,
transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you enter a PIN,
transactions may be processed as either a Visa debit transaction or as a Maestro
®
transaction.
Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they
support the option. Please be advised that should the transaction be processed through the Maestro network when
making a transaction, different terms may apply. Certain protections and rights applicable only to Visa debit transactions
as described in this Agreement will not apply to transactions processed on the Maestro network. Please refer to the
paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to
Visa debit and non-Visa debit transactions.
To initiate a Visa debit transaction at the POS, swipe the Card through a POS terminal, sign the receipt, or provide the 16-
digit Card number for a mail order, telephone, or Internet purchase.
Returns and Refunds
If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to
your Card for such refunds and agree to the refund policy of that merchant. The Issuer is not responsible for the delivery,
quality, safety, legality or any other aspects of goods or services you purchase from others with a Card. All such disputes
must be addressed and handled directly with the merchant from whom those goods or services were provided.
Card Replacement
If you need to replace the Card for any reason except at Card expiration, please contact 1-866-335-4784 to request a
replacement Card. You will be required to provide personal information which may include the 16-digit Card number, full
name, transaction history, copies of accepted identification, etc. There is a fee for replacing a lost, stolen, or damaged
Card. For information about the fee, see the Fee Schedule that’s applicable to your Card. A fee may also be assessed
for expedited delivery of an additional Card; for more information about the delivery options and applicable fees, see the
Fee Schedule that’s applicable to your Card.
For information on replacing an expired Card, see the section below labeled “Expiration.”
Expiration
The Card will expire no sooner than the date printed on the front of it. The funds on the Card do not expire. You will
not be able to use the Card after the expiration date; however, a replacement Card will automatically be mailed to you
prior to the expiration of the soon-to-expire Card. If you need a replacement Card for any reason other than the Card’s
expiration, you may request one at any time by following the procedures in the section labeled “Card Replacement,”
however, there is a Replacement Card Fee. For information about the fee, see the Fee Schedule that’s applicable to your
Card.
Transactions Made In Foreign Currencies
If you obtain funds or make a purchase in a currency other than the currency in which your Card was issued, the amount
deducted from the available balance of your Card Account will be converted by Visa into an amount in the currency of
your Card. The exchange rate between the transaction currency and the billing currency used for processing international
transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable
central processing date, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for
the applicable central processing date. If you obtain funds or make a purchase in a currency other than the currency in
which your Card was issued, the Issuer may assess a foreign currency conversion fee of 3% of the transaction amount
and will retain this amount as compensation for its services. Transactions made outside the fifty (50) U.S. states and the
District of Columbia are also subject to this conversion fee even if they are completed in U.S. currency.
Receipts
You should get a receipt at the time you make a transaction using your Card. You agree to retain, verify, and reconcile
your transactions and receipts.
Card Account Balance/Transaction History
You are responsible for keeping track of the available balance of your Card Account. Merchants generally will not be able
to determine your available balance. It’s important to know your available balance before making any transaction. You
may obtain information about the amount of money you have remaining in your Card Account by calling 1-866-335-4784.
This information, along with a twelve (12) month history of Card Account transactions, is also available online at
www.wiredplastic.com. If your Card is registered with us, you also have a right to obtain at least twenty four (24) months
of written history of Card Account transactions by calling 1-866-335-4784 or by writing to Wired Plastic Visa Prepaid Card,
P.O. Box 71402, Salt Lake City, UT 84171. However, there is a fee for this service. For information about the fee, see
the Fee Schedule that’s applicable to your Card.
You will not automatically receive paper statements.
Primary Card Fee Schedule
Fees are deducted from the Card Account balance, except where prohibited by law. If the Card Account balance is less
than the fee amount, we apply the entire Card Account balance to pay the fee amount: this may bring the Card Account
balance negative and may also mean that part of the fee amount remains unpaid. If the Card Account balance is
negative, or there is a fee amount that is unpaid (referred to as a “Pended Fee Amount”) this means any
subsequent value loads made to the Card Account are applied first to any negative balance, and then applied to
the Pended Fee Amount. This also means the Card Account balance available to use for new transactions will be
less than the value load made to the Card Account.
Information about the Card Account balance and any Pended Fee Amounts may be viewed in the “Account Summary”
section of the Online Account Center or can be heard by calling 1-866-335-4784.
Fee Description
Fee Amount
Activation Fee
1
$9.95 (one time)
Monthly Fee
2
$5.95 (per monthly billing cycle)
PIN Transaction Fee
$0.95 (per PIN purchase transaction)
PIN Transaction Decline Fee
$0.45 (per PIN purchase transaction decline)
Bank Teller Cash Advance Fee
$4.95 (per transaction)
U.S. ATM Withdrawal Fee*
$1.95 (per withdrawal)
U.S. ATM Balance Inquiry Fee*
$0.95 (per inquiry)
ATM Decline Fee (U.S.)*
$0.95 (per decline)
International ATM Withdrawal Fee*
$4.95 (per withdrawal) plus 3% foreign currency conversion fee
International ATM Balance Inquiry Fee*
$1.95 (per inquiry)
ATM Decline International Fee*
$1.95 (per decline)
International Transaction Fee
3
$0.45 (per transaction) plus 3% foreign currency conversion fee
of transaction amount
International Transaction Fee (PIN)
3
$0.95 (per transaction) plus 3% foreign currency conversion fee
of transaction amount
Click-n-Pay Electronic Payment Fee
$0.45 (per payment)
Click-n-Pay Paper Check Fee
$0.95 (per check)
Click-n-Pay Check Cancellation Fee
$9.95 (per cancellation)
Deposit to a U.S. Bank Account Fee
$0.95 (per transaction)
Call Center Customer Service Fee
2 calls at no charge per calendar month
$0.95 per call thereafter
Replacement Card Fee (Standard 7-10
business day delivery, please allow up
to an additional 3 business days for
Card processing.
$3.95 (per Card, when Card is reissued or replaced for any
reason with standard delivery, except upon expiration)
Express Mail Fee (2-3 business day
delivery, please allow up to 3 additional
business days for Card processing)
$19.95 (per Card, additional fee when Card is expedited and
reissued or replaced for any reason with 2-3 business day
delivery)
Paper Statement Copy Fee
$2.95 (One (1) request for up to 24 months of transaction history
at no charge per calendar month; each statement thereafter
$2.95 each)
Return Check Fee
$25.00 (per returned check)
Bank Wire Transfer Fee
$6.95 (per incoming wire transfer, additional fee from third party
retailers may apply)
Load Fee (MoneyGram or Visa
ReadyLink
4
).
$1.00 (per value load via MoneyGram or Visa ReadyLink)
Additional third party fees may apply. Log in to your Card
Account online for detailed retail load fees.
1
The Activation Fee (Primary Card) and the Activation Fee (Secondary Card) will appear as "Activation Fee" on your Card
Account detail or monthly statement, if you elect to receive monthly statements.
2
The Monthly Fee (Primary Card) and the Monthly Fee (Secondary Card) will appear as "Monthly Fee" on your Card
Account detail or monthly statement, if you elect to receive monthly statements. Month is determined based on billing
cycle.
*If you use an ATM for any transaction, including a balance inquiry, you may be charged a fee by the ATM
operator even if you do not complete a withdrawal. This ATM fee is a third party fee amount assessed by the
individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Card
Account.
3
The International Transaction Fee and International Transaction Fee (PIN) will appear as "International Transaction Fee"
on your Card Account detail or monthly statement, if you elect to receive monthly statements.
4
MoneyGram may charge an additional service fee for using their services. Any MoneyGram fee amount is an
independent fee assessed by MoneyGram only and is not assessed by us. The merchant may charge an additional
service fee for using its services to accept a Visa ReadyLink payment. Any fee charged by the merchant on a Visa
ReadyLink load is an independent fee assessed by the merchant only and is not assessed by us.
Secondary Card Fee Schedule
$4.95 (one time)
$1.95 (per monthly billing cycle)
$0.95 (per PIN purchase transaction
$0.45 (per PIN purchase transaction decline)
$0.95 (per inquiry)
$0.45 (per transaction) plus 3% foreign currency conversion
fee of transaction amount
$0.95 (per transaction) plus 3% foreign currency conversion
fee of transaction amount
$0.95 (No charge for the first 2 calls per calendar month,
$0.95 per call thereafter)
delivery, please allow up to an additional 3 business days
$3.95 (per Card, when Card is reissued or replaced for any
reason with standard delivery, except upon expiration)
up to 3 additional business day for Card processing)
$19.95 (per Card, additional fee when Card is expedited and
reissued or replaced for any reason with 2-3 business day
delivery)
$2.95 (One (1) request up to 24 months of transaction
history, at no charge per calendar month; each statement
thereafter $2.95 each)
1
The Activation Fee (Primary Card) and the Activation Fee (Secondary Card) will appear as "Activation Fee" on your Card
Account detail or monthly statement, if you elect to receive monthly statements.
2
The Monthly Fee (Primary Card) and the Monthly Fee (Secondary Card) will appear as "Monthly Fee" on your Card
Account detail or monthly statement, if you elect to receive monthly statements.
*If you use an ATM for any transaction, including a balance inquiry, you may be charged a fee by the ATM
operator even if you do not complete a withdrawal. This ATM fee is a third party fee amount assessed by the
individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Card
Account.
3
The International Transaction Fee and International Transaction Fee (PIN) will appear as "International Transaction Fee"
on your Card Account detail or monthly statement, if you elect to receive monthly statements.
Confidentiality
We may disclose information to third parties about the Card or the transactions you make:
(1) Where it is necessary for completing transactions;
(2) In order to verify the existence and condition of the Card for a third party, such as a merchant;
(3) In order to comply with government agency, court order, or other legal or administrative reporting requirements;
(4) If you consent by giving us your written permission;
(5) To our employees, auditors, affiliates, service providers, or attorneys as needed; or
(6) Otherwise as necessary to fulfill our obligations under this Agreement.
Our Liability for Failure To Complete Transactions
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. However, there are some exceptions. We will not be liable, for
instance:
(1) If through no fault of ours, you do not have enough funds available on the Card to complete the transaction;
(2) If a merchant refuses to accept the Card;
(3) If an ATM where you are making a cash withdrawal does not have enough cash;
(4) If an electronic terminal where you are making a transaction does not operate properly, and you knew about the
problem when you initiated the transaction;
(5) If access to the Card has been blocked after you reported the Card lost or stolen;
(6) If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;
(7) If we have reason to believe the requested transaction is unauthorized;
(8) If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion
of the transaction, despite reasonable precautions that we have taken; or
(9) Any other exception stated in our Agreement with you.
Your Liability for Unauthorized Transfers
Contact us at once if you believe the Card has been lost or stolen. Telephoning is the best way to minimize your possible
losses. If you believe the Card has been lost or stolen, or that someone has transferred or may transfer money from the
Card Account without your permission, call 1-866-335-4784 or visit www.wiredplastic.com. Under Visa Core Rules, your
liability for unauthorized Visa debit transactions on the Card Account is $0.00 if you are not negligent or fraudulent in the
handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not
processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered
with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply,
if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than
$50.00 if someone used the Card without your permission. If you do not notify us within two (2) business days after you
learn of the loss or theft of the Card and we can prove that we could have stopped someone from using the Card without
your permission if you had promptly notified us, you could lose as much as $500.00.
Also, if you become aware of and/or your transaction history 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.” If you do not
notify us 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. If a good reason (such as a long trip or a hospital
stay) kept you from telling us, we will extend the time periods. If the Card has been lost or stolen, we will close the Card
Account to keep losses down and will send a replacement Card. There is a fee for replacing your Card. For information
about the fee, see the fee schedule that’s applicable to your Card.
Other Miscellaneous Terms
The Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this
Agreement. Use of the Card is subject to all applicable rules and customs of any clearinghouse or other association
involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. 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.
This Agreement will be governed by the law of the State of Delaware except to the extent governed by federal law.
Amendment and Cancellation
We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on
our website at www.wiredplastic.com, and any such amendment shall be effective upon such posting to that website. The
current Agreement is available at www.wiredplastic.com. You will be notified of any change in the manner provided by
applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can
implement such change without prior notice. We may cancel or suspend the Card or this Agreement at any time. You may
cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or
your obligations arising under this Agreement prior to termination.
In the event the Card Account is cancelled, closed, or terminated for any reason, you may request that the unused
balance be refunded to you. For security purposes, you may be required to supply identification and address verification
documentation prior to being issued a refund. In the event this Card Program is cancelled, closed, or terminated, we will
send you prior notice in accordance with applicable law. The notice will contain specific information and instructions,
including how and when you may receive a refund of any remaining Card Account balance. The Issuer reserves the right
to refuse to return any unused balance amount less than $1.00. The time frame for processing and delivery of any refund
depends on the method you select to receive it. Refund delivery methods may include, but not be limited to, mailing a
paper check to you (allow sixty (60) days for processing and delivery).
Information About Your Right to Dispute Errors
In case of errors or questions about your electronic transactions, call 1-801-383-1003 or write to Wired Plastic Visa
Prepaid Card, P.O. Box 71402, Salt Lake City, UT 84171, if you think your transaction history or receipt is wrong or if you
need more information about a transaction listed on the transaction history or receipt. We must allow you to report an
error until sixty (60) days after the earlier of the date you electronically access 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 You may
request a written history of your transactions at any time by calling 1-866-335-4784 or writing to Wired Plastic Visa
Prepaid Card, P.O. Box 71402, Salt Lake City, UT 84171. You will need to tell us:
1. Your name and the 16-digit Card number
2. Why you believe there is an error, and the dollar amount involved
3. Approximately when the error took place
If you provide this information orally, we may require that you send 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) days to investigate your complaint or
question. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in
error, so that you will have the use of the money during the time it takes to complete the investigation. If we ask you to
put your complaint or question in writing and you do
not provide it within ten (10) business days, we may not credit your
Card.
For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to
investigate your complaint or question. For new Card Accounts, we may take up to twenty (20) business days to credit
your Card Account for the amount you think is in error.
We will tell you the results within three (3) business days after completing the investigation. If we decide that there was
no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by
contacting the phone number or address shown at the beginning of this section. If you need more information about our
error-resolution procedures, call the telephone number shown above or visit www.wiredplastic.com.
English Language Controls
Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and
representations herein are subject to definitions and interpretations in the English language. Any translation provided may
not accurately represent the information in the original English.
Customer Service
For customer service or additional information regarding your Card, please contact:
Wired Plastic Visa Prepaid Card
P.O. Box 71402, Salt Lake City, UT 84171
1 (801) 383-1003
Customer Service agents are available to answer your calls:
Monday through Friday 5:00 a.m. to 11:00 p.m. MT
Saturday and Sunday 6:00 a.m. to 6:00 p.m. MT (holidays excluded)
Telephone Monitoring/Recording
From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer
service or as required by applicable law.
No Warranty Regarding Goods or Services as Applicable
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with
your Card.
Arbitration
Any claim, dispute, or controversy (“Claim”) arising out of or relating in any way to: i) this Agreement; ii) the Card; iii) the
Cards of additional cardholders designated by you, if any; iv) your acquisition of the Card; v) your use of the Card; vi) the
amount of available funds in the Card Account; vii) advertisements, promotions or oral or written statements related to the
Card, as well as goods or services purchased with the Card; viii) the benefits and services related to the Card; or ix)
transactions on the Card, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by
binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration
Rules. This arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be governed
by the Federal Arbitration Act (9 U.S.C. 1-16).
We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take
place in the federal judicial district of your residence.
ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO
LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A
JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.
For a copy of the procedures, to file a Claim or for other information about this organization, contact it at: AAA, 335
Madison Avenue, New York, NY 10017 or at www.adr.org.
All determinations as to the scope, interpretation, enforceability, and validity of this Agreement shall be made final
exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in
any court having jurisdiction.
NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR
JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF
CLAIMANTS SHALL BE ALLOWABLE.
This arbitration provision shall survive: i) the termination of the Agreement; ii) the bankruptcy of any party; iii) any transfer,
sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity; or iv) expiration of the
Card. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in
force.
IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE
CARD. CALL 1-866-335-4784 TO CANCEL THE CARD AND TO REQUEST A REFUND, IF APPLICABLE.
This Cardholder Agreement is effective (03/2023)