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You agree to pay us the fees set forth in the Fee Schedule table below. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. The second series of numbers, usually 10-12 digits, is your account number. However, if a Primary Accountholder initially enrolls in a higher tier Card Plan and purchases any Equities while under that Card Plan, then downgrades to the Greenlight Core Plan, the Primary Accountholder will be permitted to retain those Equities purchased prior to the downgrade, but will not be able to increase the amount of their investments in those Equities unless they are also on the curated list of ETFs available under the Investing for Parents Lite feature. In case of transmission error, or transfer irregularity, your ability to spend the direct deposit funds may be delayed. ADDITIONALLY, COMMUNITY FEDERAL SAVINGS BANK IS NOT RESPONSIBLE FOR ANY FUNDS UNTIL SUCH FUNDS ARE ACTUALLY RECEIVED BY US FOR THE CREDIT TO YOUR CARD ACCOUNT. You must also agree to a variety of separate agreements and disclosures which are housed in the Policy Center link on the Greenlight website at www.greenlight.com and available through the Greenlight application. The Monthly Fee is assessed on the 31st day following the Primary Account registration date, and then on the same date of each month thereafter; provided, however, that if the 31st day falls on the 29th, 30th, or 31st day of the month following the registration date, the Monthly Fee will be assessed on the 1st day of the following month and on the 1st day of each month thereafter. 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. BY CONNECTING A FUNDING ACCOUNT TO THE PRIMARY ACCOUNT, THE OWNER OF SUCH FUNDING ACCOUNT AUTHORIZES ANY PARTY WITH ACCESS TO THE PRIMARY ACCOUNT TO INITIATE LOADS FROM THAT FUNDING ACCOUNT. If you request a Physical Card, it will be mailed to the address you provide to us during the registration process. Phone: (413) 664-4477 Fax: (413) 664-7916 VP/Branch Manager: Jean Noel Drive-Up Hours: Monday-Friday: 8:30am-5:00pm Greenlight will send the Primary Accountholder an electronic notification, which will state the amount to be debited to satisfy the negative balance. If you are approved to participate in the Invest Account Services, you may move funds from your Card Account held at Community Federal Savings Bank to your Invest Account (also described as Cash to Invest in the Greenlight application) held at DriveWealth (Invest Account), and, subject to compliance with Greenlight Advisors and DriveWealth requirements, from your Invest Account to your Card Account. 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. The Primary Accountholder, or an Authorized Approver, may load the Primary Account by ACH. 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. Ready with full focus, energy, readiness and belief. 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 bank routing number and direct deposit account number are for the purpose of initiating direct deposits to your prepaid Card Account only. If approved by Community Federal Savings Bank or Greenlight, a new cardholder may be eligible to receive a Virtual Card through the Greenlight application at the time of successful enrollment (as described in the following sentences) and existing cardholders might also be eligible to receive a Virtual Card in their Greenlight application whenever they are approved by Community Federal Savings Bank or Greenlight to receive a Virtual Card in their Application. The Primary Accountholder or an Authorized Approver (each, individually, an ACH Authorizer under this ACH Debit Authorization), authorizes Greenlight and the Issuer to initiate a single (one-time) debit entry (each, Single Entry), recurring debit entries, such as a recurring monthly load for the same amount on the same date each month (each, a Recurring Entry), and subsequent debit entries (under a standing authorization) (each, a Standing Authorization) in each case by using the Greenlight application to direct the date and amount of the entry to the selected Funding Account(s) (and, if necessary, electronically credit the Funding Accounts to correct any erroneous debits) for the amounts requested by the ACH Authorizer for purposes of funding the Card Account from time to time using the Automated Clearing House (ACH) electronic funds transfer network. YOU ACKNOWLEDGE AND AGREE THAT COMMUNITY FEDERAL SAVINGS BANK IS NOT PROVIDING ANY OF THE INVEST ACCOUNT SERVICES INCLUDED IN ANY OF THE CARD PLANS. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. In the app, kids and parents create their own logins with two different experiences. Your wireless carrier may charge fees for your data usage in connection with your use of Greenlight Services. If you elect to downgrade your Card Plan to another Card Plan with a lower Monthly Fee, your Card Plan features on your Card Account will be downgraded and you will be charged the lower Monthly Fee attributable to the new Card Plan on your next monthly renewal date unless you elect to cancel the downgrade prior to your monthly renewal date; provided, however, that you will not be able to cancel a downgrade from the Greenlight + Invest Plan. Find Your Routing Number on a Check You can find your routing number in the bottom left corner of a check. We may transfer our rights under this Agreement. We're here to help. Contact Us - Green Dot Corporation Mail us Green Dot, P.O. Patents Pending. 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. Email Us Text Us Or call us at 888-483-2645 We're here to help 24 hours a day, 7 days a week. Each time you use your Card to make a purchase or obtain cash at an ATM, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. The steps are given below. It identifies your bank, which likely holds very many accounts, while your account number indicates your personal financial product. 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 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. 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. Your Primary Account may be loaded via (i) a debit card transaction from your Funding Account; (ii) an ACH debit transaction from your Funding Account; (iii) a direct deposit of wages authorized by either you or a Secondary Cardholder; or (iv) a transfer of funds from your Invest Account. If your request is reasonable and in good faith, we will pay or reimburse you for all or part of the fees charged to you by the Administrator and/or arbitrator. It will be in a sequence of three numbers printed in MICR (magnetic ink character recognition) form. This Arbitration Provision also is binding upon and benefits us. Greenlight Core Plan Services means all of the core account services offered to cardholders on the Greenlight application as further described in the Greenlight Terms of Service available in the Policy Center on the Greenlight website at www.greenlight.com. The opt-out notice must be sent to us by mail at: Cardholder Services, 303 Peachtree Street NE, Suite 4300, Atlanta, GA 30308. Keep in mind the routing numbers are 9-digit codes and the character symbol surrounding the numbers is not part of the routing number on a check. Please read this Agreement carefully and keep it for future reference. Any Secondary Cardholder may load their account by direct deposit of wages or salary paid by an employer of such party. You will need to tell us: Why you believe there is an error, and the dollar amount involved; and. While Greenlight is a comprehensive banking app for kids of all ages. For electronic fund transfers the routing number format is a leading zero, the . Online banking - You'll be able to get your bank's routing number by logging into online banking. PayPal ACH transfer routing number. Get Started Read how we use and collect your information by visiting our Privacy Policy. 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. Investing involves risk and may include the loss of capital. An ABA routing number has nine digits. Our ATM withdrawal fees are in addition to any fees which may be imposed by (i) Greenlight; and/or (ii) the owners of ATMs or other networks for the use of their terminals. ; Check or statement - Wells Fargo-issued check or bank statement. What Claims Are Covered:Claimmeans any claim, demand, dispute or controversy between you and us that in any way arises from or relates to your Card Account (whether past, present, or future). .css-az4jm5{font-size:0.875rem;font-weight:500;line-height:1.125rem;margin-right:0.5rem;text-align:left;}@media (min-width: 768px){.css-az4jm5{font-size:0.875rem;}}@media (min-width: 1024px){.css-az4jm5{font-size:1.125rem;}}@media (min-width: 768px){.css-az4jm5{line-height:1.125rem;}}@media (min-width: 1024px){.css-az4jm5{line-height:1.5rem;}}@media (min-width: 768px){.css-az4jm5{margin-right:1.5rem;}}@media (min-width: 1024px){.css-az4jm5{margin-right:1.5rem;}}One month, on us.Sign up today for a one-month trial. Both the Primary Accountholder and any Authorized Approver may authorize a load from any Funding Account used to add funds to the Primary Account. We may refuse to process any transaction that we believe may violate the terms of this Agreement. These documents include, without limitation, the Greenlight Advisors Non-Discretionary Asset Management Agreement (Advisory Agreement), the Greenlight Advisors Invest Terms of Service, the DriveWealth Disclosures and Disclaimers, the DriveWealth Terms of Use, the DriveWealth Customer Account Agreement, the DriveWealth Cash Management Program Disclosure Statement, and the DriveWealth Privacy Policy. The maximum number of Secondary Accounts permitted is five (5). For example, we may contact you by mail, telephone, email, fax, recorded message, text message, or by using an automated dialer device. For purposes of this Agreement, the term Claim shall have the broadest possible meaning. You may request this number not be used. The Invest Account Services are marketed by Greenlight Advisors with different features depending on your Card Plan under the following names: (i) Investing for Kids; (ii) Investing for Parents, and (iii) Investing for Parents Lite. Sign in to your bank account and go to "account information" or "account summary." The routing. This includes fees not charged by a court. 1. Bank of America routing number for wire transfers. If you elect to switch to a more expensive Card Plan, the Card Plan features applicable to the new Card Plan will become effective on your Card Account on or before the next business day following such election, but your Card Account will not be assessed the applicable Monthly Fee for the more expensive Card Plan until your next monthly renewal date. Invest Account Services means the investment advisory services provided by Greenlight Advisors as a Registered Investment Advisor and the brokerage services provided by DriveWealth as a broker-dealer. h. Governing Law:This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. Once the final settlement amount is received, the preauthorization amount on hold will be removed. Greenlight Gift We will not ask you to pay or reimburse us for any fees we pay the Administrator or arbitrator. The account number (11 digits) identifies your individual account. What Is a Routing Number? Definition and Where to Find Yours 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. Except as otherwise stated in this Agreement, you have the same rights and responsibilities under this Agreement whether you use a Physical Card or a Virtual Card. 2 Account Alerts: There's no charge from Chase, but message and data rates . $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). On the home screen, tap Settings . If your Physical Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. The Primary Accountholder may request Secondary Accounts in connection with the Greenlight Services. This information, along with a twelve (12) month history of Card Account transactions, is also available within the Greenlight application. Check Routing Number - US Bank Locations ; Check or statement - US Bank-issued check or bank statement. 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). A two-character location code (letters and digits) for your . 3 An amount equal to $2.99 per month represents the fee for investment advisory services being charged by Greenlight Advisors in connection with the Invest Account Services pursuant to the separate Advisory Agreement. Our writers, editors, and product analysts are financial industry veterans. Merchants generally will not be able to determine your available balance. Under the Investing for Parents Lite feature, the Primary Accountholder will solely be able to invest in a select number of Exchange Traded Funds (ETFs) (initially 10) that have been chosen by Greenlight Advisors to represent different levels of risk matching the different risk tiers that are recommended by Greenlight Advisors based on the Primary Accountholders responses to initial screening questions regarding risk tolerance and investment horizon. Even after the receipt and selection of a PIN for your Physical Card, your Virtual Card (if one has been selected) will continue to be available for use in the Greenlight application. The format of check transit number - XXXXX - YYY The first 5 digit is called branch transit number and identifies the exact branch of the bank. Our business days are Monday through Friday, excluding federal holidays, even if we are open. They will ask you a few basic questions to determine your routing number. You may obtain information about the amount of money you have remaining in your Card Account by calling 888-483-2645. Community Federal Savings Bank does not serve as an investment advisor or a broker dealer in connection with the Invest Account Services; any securities that are acquired by a Primary Accountholder are not deposits or other obligations of Community Federal Savings Bank, are not guaranteed by Community Federal Savings Bank, and are not insured by the Federal Deposit Insurance Corporation (FDIC). Email Us About Us Community. Financial Decisions Made Easy - SimpleMoneyLyfe The numbers were adopted by the banking industry in 1910 to make transactions. If your Card has been lost or stolen, we will close your Card Account to prevent further losses. Your Card and your obligations under this Agreement may not be assigned, except as permitted by this Agreement. If you select the Greenlight Core Plan, then you will have access to the Greenlight Core Plan Services. What is direct deposit and how does it work? - Greenlight (You should retain a copy of your opt-out notice and evidence of mailing or delivery.) If you need to replace your Physical Card for any reason, please contact us at 888-483-2645 to request a replacement Card. The Greenlight card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. 2023 Greenlight Investment Advisors, LLC (GIA), an SEC Registered Investment Advisor provides investment advisory services to its clients. The Primary Accountholder is responsible for all authorized transactions initiated and fees incurred by use of your Card(s), including all transactions permitted or approved on any Secondary Account(s). For customer service or additional information regarding your Card, please contact us at: Greenlight Prepaid Mastercard For errors involving point-of-sale debit card transactions, we may take up to ninety (90) days to investigate your complaint or question. You must notify us to revoke permission for any person you previously authorized to use a Card.