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. This Cardholder Agreement is effective [October 11, 2022]. The daily limit on ATM cash withdrawal transactions for each Secondary Account is $100.00, which limit includes (i) the amount of the requested withdrawal(s); plus (ii) any fees imposed by us, Greenlight, or any ATM operator in connection with the requested withdrawal(s). For electronic fund transfers the routing number format is a leading zero, the . The bank routing number and direct deposit account number are for the purpose of . 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. Atlanta, GA 30308 The expiration date of your Card is identified on the front of your Physical Card, or on the digital representation of your Virtual Card. If there are insufficient funds in the Primary Account, the Monthly Fee will be withdrawn from your Funding Account, pursuant to the authorization provided by the Primary Accountholder to the Issuer in this Agreement. You additionally authorize Community Federal Savings Bank to receive funds from DriveWealth for deposit into your Card Account. Routing numbers, sometimes called transit numbers, are public and . The ACH routing number for PayPal is 114924742. Routing numbers have been in use since 1910, and are managed by the American . Your Login ID is the last eight(8) digits of your billing account number and can be located on your billing statement as indicated below. 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. NOTE: The CFSB App site you selected will open in a new window. QSR-0122-02676. Secondary Cardholderis any individual authorized to use a Secondary Account by the Primary Accountholder. You will not receive a Personal Identification Number (PIN) for your Virtual Card, and your Virtual Card cannot be used for ATM transactions. Debit Card for Kids and Teens | Greenlight Learn to earn, save, and invest together. 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. Limitations on amounts that may be added to your Primary Account and associated fees may be found on the Fee Schedule table below. 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. We will not be liable, for instance: If through no fault of ours, you do not have enough funds available on your Card to complete the transaction; If a merchant refuses to accept your Card; 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; If access to your Card has been blocked after you reported your Card lost or stolen; If there is a hold or your funds are subject to a legal or administrative process or other encumbrance restricting their use; lf we have reason to believe the requested transaction is unauthorized; 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. 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. If you request a Physical Card, it will be mailed to the address you provide to us during the registration process. 1 Family means the Primary Account plus all Secondary Accounts. 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. 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. 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. YOU ACKNOWLEDGE THAT GREENLIGHT ADVISORS AND DRIVEWEALTH ARE UNAFFILIATED THIRD PARTIES TO COMMUNITY FEDERAL SAVINGS BANK WITH RESPECT TO THE INVEST ACCOUNT SERVICES. 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. 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 . This code identifies the branch (and bank/credit union) on which the cheque is drawn. 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. This Agreement will be governed by the law of the State of New York except to the extent governed by federal law. 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. Merchants generally will not be able to determine your available balance. Large multinational banks can have several different routing numbers, typically based on the state . 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. ; Check or statement - US Bank-issued check or bank statement. Domestic Wire Transfer. You must notify us to revoke permission for any person you previously authorized to use a Card. 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. .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. 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. 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. Arbitration of a Claim must comply with this Arbitration Provision and, to the extent not inconsistent or in conflict with this Arbitration Provision, the applicable rules of the arbitration Administrator. Finding Your Routing Number International Wire Transfers The amount of money being transferred The frequency of the transfer, if it is recurring The date the money should be transferred The reason for the transfer Your bank account information, including the account number and SWIFT code Best Banks Best Savings Accounts Best Checking Accounts The Greenlight + Invest Plan is no longer available to new customers, but will remain available to any customers with existing subscriptions to this Card Plan. During the hold period, you will not have access to the preauthorized amount. Copies of the documents used in the investigation may be obtained by contacting us at the phone number or address listed at the beginning of this section. If (i) after an initial load your Card Account balance is $0.00 and your Card has been inactive for three (3) or more months; or (ii) your initial load was unsuccessful and you havent completed any loads from any other sources within two weeks following your initial load attempt, then your Card Account may be closed. The menu is given in both English and Spanish. The first two digits "05" correspond to the 12 Federal Reserve Banks that represents the bank. We may transfer our rights under this Agreement. If the Greenlight + Invest Plan is amended or cancelled, you will be given the opportunity to upgrade into a higher cost Card Plan with additional features or downgrade into the lower cost Greenlight Core Plan effective as of your monthly anniversary date unless otherwise specified. It is important to know your available balance before making any transaction. 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. ALSO, YOUR AND OUR ABILITY TO OBTAIN INFORMATION FROM THE OTHER PARTY IS MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. 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. The Primary Accountholder may request Secondary Accounts in connection with the Greenlight Services. 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. 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. 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). d. Choosing the Administrator:Administratormeans the American Arbitration Association (AAA), 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org; JAMS, 1920 Main St. at Gillette Ave., Suite 300, Irvine, CA 92614, www.jamsadr.com, or any other company selected by mutual agreement of the parties. Federal Reserve Routing Symbol. The Primary Accountholder may revoke such authorization at any time by terminating enrollment in the Greenlight Services. 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 Primary Accountholder may load the Primary Account with proceeds that are transferred from the Invest Account by directing such transactions through the Greenlight application. The base level plan with the lowest Monthly Fee is referred to as the Greenlight Core Plan, the mid-level plan is referred to as the Greenlight Max Plan, and the highest level plan is referred to as the Greenlight Infinity Plan. The Invest Account Services will be available under all Card Plans, other than the Greenlight Select Plan, as described under Invest Account Services below. COMMUNITY FEDERAL SAVINGS BANKS SOLE OBLIGATION WITH RESPECT TO THE INVEST ACCOUNT SERVICES IS TO OBEY YOUR AND/OR GREENLIGHT ADVISORS INSTRUCTIONS TO TRANSFER FUNDS TO THE INVEST ACCOUNT AND TO RECEIVE FUNDS FROM THE INVEST ACCOUNT, SUBJECT TO THE TERMS OF THIS AGREEMENT. Finally, the simplest way to find your Bank of America routing number is to call or visit your bank. The Card is not for resale. Visit Our Woodhaven Branch. 2 At the election of the Primary Accountholder, only one Card Plan and one Monthly Fee will apply for a particular month. A two-character location code (letters and digits) for your . 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). You will not automatically receive paper statements. Restrictions on Preauthorized Debits from Card Account, Fee Schedule and Balance/Transfer Limitations.. Share the account and routing information with your child's employer. We will bear the expense of our attorneys, experts, and witnesses. The two first digits range from: 1 to 12 for regular banks. Greenlight Max Plan Services means the Greenlight Core Plan Services, the Invest Account Services, and all of the additional services offered to Greenlight Max Plan cardholders as described in the Greenlight Terms of Service available in the Policy Center on the Greenlight website at www.greenlight.com. Greenlight Advisors means Greenlight Investment Advisors, LLC, a wholly-owned subsidiary of Greenlight and a Securities and Exchange Commission (SEC) registered investment advisor. Card Accountmeans the records we maintain to account for the value of claims associated with the Card. 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. The ACH number and your bank account number are used by banks and transfer apps like Zelle or Cash App to identify the exact account payments should be taken from and sent to. . 1 Chase Mobile app is available for select mobile devices. Users on earlier app versions can call us at 888-483-2645 to set up direct deposit. Primary Accountholdermeans the individual that opens and is responsible for the Primary Account and Secondary Account(s); the Primary Accountholder may assign certain responsibilities and obligations to a designee, including another parent or partner (the Authorized Approver), whenever specifically provided in this Agreement. Despite the foregoing, Claim does not include any individual action brought by you in small claims court or your states equivalent court, unless such action is transferred, removed, or appealed to a different court. You may not use your Card(s) for gambling, including online gambling, or any illegal transaction. Go online: Your bank may post its routing number online via its website or mobile banking app. You can obtain information on how to load your Primary Account within the Greenlight application. If you are invited to enroll in the Greenlight Select Plan, then you will have access to the Greenlight Core Plan Services with the exception of the Invest Account Services. Related: The Best Canadian Banks. Funds transferred from your Invest Account to your Card Account will also be available within two business days although, in many cases, transfers may be available much quicker. You can access this information through the manage card screen of the Greenlight application for the applicable Secondary Account, or you can contactsupport@greenlight.comor call us at 1-888-483-2645 to obtain this information for the applicable Secondary Account. If your Card has been lost or stolen, we will close your Card Account to prevent further losses. You will be offered three different Card Plans and tiers of service to choose from; each with a different set of features and functionality. 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. We may contact you at home, at your place of employment, on your mobile telephone at any time, including weekends and holidays, at any frequency and leave prerecorded messages or messages with others. You can open a Chase First Checking account for your child who is 6-17 years old. Online banking - You'll be able to get your bank's routing number by logging into online banking. DriveWealth means DriveWealth, LLC, an SEC registered broker-dealer and member of the Financial Industry Regulatory Authority, Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Furthermore, in the event that the balance of your Primary Account and any Secondary Accounts is insufficient to cover the amount owed,whether such amount is owed to the Issuer or Greenlight, the Primary Accountholder authorizes Greenlight to debit the Funding Account for the amount owed. The monthly limit on ATM cash withdrawal transactions (collectively, for the Primary Account and all Secondary Accounts) is $500.00. Upon the expiration of the applicable hold period, any funds held for a particular transaction that are not settled will be made available to the Card Account. In the case of a Recurring Entry for a load amount from a Funding Account to the Primary Account that repeats on regular intervals, the ACH Authorizer will designate the Funding Account(s), the amount to be loaded, and the frequency (e.g., weekly or monthly) through the Greenlight application.
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