IMPORTANT – PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION ("ARBITRATION" SECTION) REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.
Welcome to Tumoni! The following cardholder agreement contains important disclosures and information on how your Tumoni debit card works. You can access this information at any time by visiting the Tumoni Website.
Here is Tumoni Customer Service information in case you have any questions about this account agreement –
Mailing Address: 2261 MARKET STREET STE 86264, SAN FRANCISCO, CA, 94114, United States
Support Email: help@tumoni.com
Website: www.tumoni.com
Customer Service Phone Number: +1 (888) 450-8060
This TAB Bank Cardholder Agreement ("Agreement") applies to the Tumoni VISA debit card ("Card") issued by Transportation Alliance Bank, Inc. dba TAB Bank, a state bank chartered under the laws of Utah ("Bank”), on behalf of Tumoni ("Tumoni"), and represents an agreement between you ("you," "your," "yours") and Bank and its subsidiaries and affiliates. Bank is pleased to issue you a Card, which enables you to make certain electronic fund transfers to and from your deposit account with Bank ("Account"). When you use your Card to access or conduct transactions on your Account, you also agree to the terms and conditions included in the Consumer Deposit Account Agreement provided to you at account opening. You can find a copy of your Deposit Agreement ("Deposit Agreement") on Tumoni's Website at https://www.tumoni.com/en-us/legal or mobile application (the "Mobile App"). To the extent that both this Agreement and the Account Agreement apply to your relationship with the Bank, they shall be read as a single, integrated agreement.
Bank's business days are Monday through Friday, excluding federal holidays.
A CARD CANNOT BE USED TO PERFORM TRANSACTIONS UNTIL YOU HAVE ACTIVATED THE CARD PURSUANT TO THESE TERMS. BY ACTIVATING A CARD OR BY PARTICIPATING IN THE PROGRAM IN ANY WAY, YOU REPRESENT THAT YOU HAVE READ AND UNDERSTAND THESE TERMS AND YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THESE TERMS AND BANK'S PRIVACY POLICY, AVAILABLE at https://www.tabbank.com/privacy-policy/.
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 OBTAINS A CARD. WHAT THIS MEANS FOR YOU: WHEN YOU REGISTER A CARD, BANK WILL ASK FOR YOUR NAME, ADDRESS, DATE OF BIRTH, SOCIAL SECURITY NUMBER OR TAX IDENTIFICATION NUMBER, AND OTHER INFORMATION THAT WILL ALLOW BANK TO IDENTIFY YOU. BANK MAY ALSO ASK TO SEE A COPY OF YOUR DRIVER'S LICENSE OR OTHER IDENTIFYING DOCUMENTS.
To protect your account, you will be asked to create a personal identification number ("PIN") for automated teller machine ("ATM") Transactions and point-of-sale ("POS") Card Transactions. You must memorize your PIN and not share it with anyone. Do not write the PIN on a Card or keep it in the same location as the Card. Do not share your Card number or PIN with anyone. If you believe that anyone has gained unauthorized access to your PIN, you should advise Tumoni via customer service immediately, following the procedures in Section 15 labeled "Your Responsibility for Unauthorized Transactions" below.
You may use your Card to make purchases at any merchant that accepts VISA debit cards or debit cards of other networks in which the Bank participates, subject to the funds available in your Account, the transaction limits described below, and the other terms and conditions of this Agreement. Each time you use your Card, you authorize the Bank to reduce the value available in your Account by the amount of the transaction and any applicable fees. The new balance will be available for making purchases with your Card. You are not allowed to exceed the amount of available funds in your Account through an individual transaction or a series of transactions. If you do not have enough funds available in your Account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount using another payment method. These are called "Split Transactions." Some merchants do not allow cardholders to conduct Split Transactions. Nevertheless, if a transaction exceeds the amount of available funds in your Account, you will be fully liable to the Bank for the full amount of the transaction and any applicable fees. When making purchases with your Card at POS devices you may select "CREDIT" on the keypad to make a signature purchase. Tumoni or the Bank may temporarily "freeze" your Account and attempt to contact you if Tumoni or the Bank notices transactions that are unusual or appear suspicious.
With each transaction you process through the Card you represent, warrant and agree that:
Prohibited Uses
You may not, nor may you permit any third party, directly or indirectly, to:
In addition, you may not, nor may you permit any third party, directly or indirectly, to use the Card for the following businesses or activities:
When you use your Card or Card number to initiate a transaction at certain merchant locations, websites or mobile applications, such as hotels, restaurants, gas stations, and rental car companies, where the final purchase amount is unknown at the time of authorization, a hold may be placed on the available funds in your Account for an amount equal to or in excess of the final transaction amount. The funds subject to the hold will not be available to you for any other purpose until the merchant sends the Bank the final transaction amount. Once the Bank receives the final transaction amount, it may take up to seven days for the hold to be removed. During that period, you will not have access to the funds subject to the hold.
Your Card may be used with a PIN at any ATM connected to one of the various card processing networks in which Bank participates ("Network") to make cash withdrawals directly from your Account, including any ATM that bears the MoneyPass acceptance mark. You may also use the Card to withdraw funds at any POS device, as permissible by a merchant, that bears the VISA acceptance mark. Some of these services may not be available at all terminals. Any funds withdrawn from an ATM or POS device are subject to the transaction limits established under this Agreement.
When you use an ATM not in the provided ATM network or that bears the MoneyPass acceptance mark, you may be charged an additional fee by the ATM operator, or any Network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer. Tumoni or Bank are not responsible for such fees. The amount of the fee should be disclosed at the ATM. Any such fee will be deducted from the balance of the Card, along with the amount of the withdrawal performed at the ATM.
If you seek to withdraw cash from a merchant POS device, please note that each merchant may establish limits as to how much cash may be obtained from a POS device at a single time or through a single location.
If you use your Card or the Card number to authorize in advance any recurring payments from your Account and later wish to stop one or more of these payments, you should contact the merchant/biller directly. If the merchant/biller fails to stop the recurring payments, contact Customer Service. Refer to your Deposit Agreement for assistance on stopping preauthorized transfers. You must notify Tumoni, as provided in the Deposit Agreement, at least three (3) business days prior to the scheduled payment. Your Card may have to be cancelled in order to stop recurring payments.
If you make a purchase using your Card in a currency other than in U.S. dollars, the amount deducted from the available funds in the Card Account will be converted by VISA into U.S. dollars. The applicable exchange rate will be 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. The exchange rate used on the central processing date may be different from the rate that was in effect on the date you performed the transaction.
The total amount of ATM withdrawals that you can perform in any single day is limited to $1,200, with a $400 per transaction limit - see amounts set forth in the Fee Schedule. The maximum aggregate value of your card transactions with this Account is restricted to $5,000 daily. For security reasons, Bank may further limit the number or dollar amount of certain transactions you can make with your Card. The following grid is provided in order to highlight the frequency and limitations of cardholder transactions in a single day or additional time frame if warranted:
Card Spending Limits:
* Your account number and bank routing number may be used for the purpose of initiating direct deposits to your Account. The recipient's name on any direct deposit(s) Bank receives must match the name of the accountholder. Any direct deposits received in a name other than the name registered to the Account may be returned to the originator.
** THIRD PARTY MONEY TRANSFER services used to load funds to your Account may impose their own terms and conditions including fees, per transaction, daily, weekly or monthly limits on the frequency or amount of cash you may load to the Account.
IMPORTANT: IF YOUR ACCOUNT NUMBER CHANGES, YOU MUST IMMEDIATELY NOTIFY THE DEPOSITOR OF FUNDS. YOU MUST PROVIDE THEM WITH THE NEW ACCOUNT NUMBER TO ENSURE THAT THE FUNDS ARE PROPERLY CREDITED TO YOUR ACCOUNT AND THAT DIRECT DEPOSIT ACTIVITY CONTINUES UNINTERUPTED.
By requesting, activating or using a Card or by retaining, using or authorizing the use of the Card, you represent and warrant to Bank 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 United States, Puerto Rico or the District of Columbia; (iii) you have provided Bank with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to the Bank 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.
You are responsible for keeping track of your Account available balance for adding funds to your Card. You acknowledge and agree that the funds available to perform transactions are limited to the funds that have been added to your Account that are not subject to a hold. You are not authorized to use funds added to your Account in error. Any transaction that could create a negative balance for your Account is not permitted. Adjustments may be made to your Account to reverse an error, reflect a merchant adjustment, or resolve a dispute regarding a transaction posted to your Account. These processing and adjustment entries could cause your Account to have a negative balance. If your Account has a negative balance, you agree: (i) that Bank may automatically apply any subsequent deposits to your Account to satisfy the negative balance and (ii) to pay Bank on demand by a personal check, money order, or other payment method authorized by Bank for the amount of the negative balance. If no future funds are added to your Account, Tumoni or Bank may send you a notice explaining the reason for the adjustment and requesting payment by a personal check, money order, or other payment method to satisfy the negative balance. Payments should be mailed to the Bank at the address provided in the applicable notice sent to you.
If you provide your mobile phone number, other text message address or download the Mobile App to another mobile device, Tumoni may send you important notices to the mobile number, text message address or mobile device you have provided in the Mobile App. In addition, if you provide your mobile phone number, other text message address or download the Mobile App to another mobile device to Tumoni, you expressly consent to receive text messages relating to your Card and Account at that number, address or device. Third-party data and message fees may apply.
When using the Mobile App and other Card program services with your mobile device, you may provide a valid mobile device number or text message address in the Mobile App and verify such number or text message address as instructed. To verify your mobile device number or text message address, Tumoni may send you a code via text message to the mobile device number or text message address you provide, and you must enter that code as instructed. If you change your mobile device number or text message address, you must promptly provide and verify your new mobile device number or text message address.
You should get a receipt for each Card transaction. You agree to retain, verify, and reconcile your Card transactions and receipts.
You will not receive cash refunds for Card transactions. If a merchant gives you a credit for merchandise returns or adjustments, the merchant may do so by processing a credit adjustment. Tumoni or the Bank are not responsible for the delivery, quality, safety, legality, or any other aspects of goods or services that you purchase with your Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were purchased.
If, at any time, your Account with the Bank is closed, you will lose access to your Account and your Card will no longer work.
The physical Card is valid through the expiration date shown on the front of the Card, except where prohibited or modified by applicable law. The funds associated with the Card do not expire. You will not be able to use your Card after the valid through date; however, you may request a replacement Card at no cost to you by following the procedures in the paragraph labeled "Card Replacement."
If you need to replace your Card for any reason, please contact Tumoni’s Customer Service to request a replacement Card. You will be required to provide personal information which may include your Card number, full name, transaction history, copies of accepted identification, etc. Tumoni and/or Bank reserves the right to require an affidavit signed by you and to conduct an investigation into the validity of any request. There may be a fee for expedited shipping of a replacement Card. Please see Section 21 labeled "Fee Schedule" below for more information. It may take up to thirty (30) days to process a request for a replacement Card although the Bank will endeavor to provide you with a replacement Card on as timely a basis as is reasonable under the circumstances.
You agree to notify Customer Service immediately if your Card or PIN is lost or stolen, or if you believe either your Card, PIN, or the account number for your Card is subject to any unauthorized use. You also agree to take any reasonable actions Tumoni or Bank may request to prevent unauthorized Card use. Contact Customer Service IMMEDIATELY if you believe: (a) the Card has been lost or stolen, (b) someone has gained unauthorized access to any access information for your Account, or (c) someone has transferred or may transfer funds from the Card without your permission. Reporting a lost/stolen Card or unauthorized transactions through Customer Service or by logging into the Mobile App to freeze the Card is the best way to minimize possible losses.
Contact Customer Service IMMEDIATELY if you believe that your Card has been lost, stolen or subject to unauthorized use, as provided in Section 14 labeled "Your Card or PIN is Lost, Stolen or Subject to any Unauthorized Use" above. Reporting a lost/stolen Card or unauthorized transactions through Customer Service or by logging into the Mobile App to freeze the Card is the best way to minimize possible losses. You can lose all the money in your Account.
If you believe your Card has been lost, stolen or subject to unauthorized use, and you tell Customer Service within two (2) business days after learning of the loss, theft, or possible unauthorized use, you may lose no more than $50 if someone used your Card and PIN without your permission. Alternatively, failing to notify Customer Service within two (2) business days after discovering the loss, theft, or unauthorized use of your Card may result in potential liability. If Tumoni and/or Bank can demonstrate that timely notification could have prevented unauthorized usage, you may be liable for up to $500.
Furthermore, promptly notify us if your statement reflects transfers not initiated by you, whether through the use of the Card, a code, or other means. Failure to report such discrepancies within 60 days of the statement mailing date may result in the potential loss of funds beyond the 60-day period if Tumoni and/or Bank can establish that timely notification would have allowed us to prevent unauthorized transactions. Exceptions to the timeframe may be considered in cases of valid reasons, such as an extended trip or hospital stay.,
Transactions Routed through the VISA System: VISA Zero Liability Protection. Under VISA U.S.A. Inc. Operating Regulations, your liability for unauthorized transactions using your Card Account that take place on the VISA system without a PIN is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by VISA or ATM cash withdrawals (see Transactions Not Routed Through the VISA System below).
Transactions Not Routed Through the VISA System: Unauthorized transactions that are not routed through VISA are not protected by the VISA Zero Liability Protection policy. These types of transactions include (i) ATM transactions, and (ii) POS, PIN, PIN-less, automated clearing house, or other debit transactions not processed by VISA.
If Bank does not complete a transfer to or from your Account on time or in the correct amount according to the Deposit Agreement, Bank will be liable for all your damages approximately caused by such failure. However, there are some exceptions where Bank will not be liable, including but not limited to the following:
Contact Customer Service as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. Bank must allow you to report an error until sixty (60) days after the earlier of the date you electronically accessed your Account, if the error could be viewed in your electronic history, or the date Bank sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by contacting Customer Service. You will need to tell us:
If you provide this information orally, the Bank or Tumoni may require that you send your complaint or question in writing within ten (10) business days.
Bank or Tumoni, as Bank's agent, will determine whether an error occurred within ten (10) business days after Bank hears from you and will correct any error promptly. If the Bank needs more time, however, the Bank may take up to forty-five (45) days to investigate your complaint or question. If Bank decides to do this, Bank will credit your Account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes to complete the investigation. If Bank asks you to put your complaint or question in writing and you do not provide it within ten (10) business days, Bank may not credit your Account.
For errors involving new Accounts, point-of-sale transactions or foreign-initiated transactions, Bank may take up to ninety (90) days to investigate your complaint or question. For new Accounts, Bank may take up to twenty (20) business days to credit your Account for the amount you think is in error.
Bank or Tumoni, as Bank's agent, will tell you the results within three (3) business days after completing the investigation. If Bank decides that there was no error, Bank or Tumoni, as Bank's agent will send you a written explanation. Copies of the documentation used in the investigation may be obtained by contacting Bank or Tumoni at the phone number or address provided in the written explanation. If you need more information about Bank's error-resolution procedures, you may contact Tumoni Customer Service.
Bank may disclose information to third parties about your Account and the transfers you make as described in Bank's Privacy Policy, which Bank may change, amend, or modify from time to time. You were provided the Privacy Policy when your Account was opened and will be notified of any updates.
Except as required by applicable law, Bank may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on the https://www.tumoni.com/en-us/legal and any such amendment shall be effective upon such posting. The current Agreement is available at https://www.tumoni.com/en-us/centro-legal. 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 or otherwise the change is to your benefit, Bank may be able to implement such change without prior notice. Bank may cancel or suspend your Account or this Agreement at any time. You may cancel this Agreement by contacting Customer Service to close your Account. Your termination of this Agreement will not affect any of Bank's rights or your obligations arising under this Agreement prior to termination.
By retaining or using the Card or by authorizing anyone else to use the Card after the effective date of any change to this Agreement, you agree to that change. The Card is Bank's property, is nontransferable and must be surrendered to Bank upon demand.
If your Account becomes inactive (e.g., if you do not use the funds in your Card or access your Account for a certain period of time), applicable law may require Bank to report the funds in your Account as unclaimed property. If this occurs, Bank may try to locate you at the address shown in Bank's records. If Bank is unable to locate you, Bank may be required to deliver any funds in your Account to the applicable state as unclaimed property. The specified period of time to report and send funds in an inactive Account to a state varies by state, but usually ranges between two and five years.
To the extent permitted by applicable law, Bank may assign this Agreement without obtaining your consent. You may not assign or transfer your Card, your Card Account, or this Agreement without Bank's prior written consent.
If any provision of this Agreement is held to be invalid or unenforceable, such provision will be deemed to be modified to the minimum extent necessary to make it valid and enforceable and the rest of this Agreement will not be affected. Bank does not waive Bank's rights by delaying or failing to exercise them at any time.
This Agreement constitutes the entire and sole agreement between you and Bank with respect to the Card program and supersedes all prior understandings, arrangements, or agreements, whether written or oral, regarding the Card program.
This Agreement will be governed by and construed in accordance with the laws of the State of Utah, consistent with the Federal Arbitration Act, without giving effect to any principles that provide for the application of the law of another jurisdiction.
At Bank's request, you agree to defend, indemnify, and hold harmless Bank and Bank's parents, subsidiaries, and other affiliated companies, Bank's employees, contractors, officers, and directors against any and all claims, suits, damages, costs, lawsuits, fines, penalties, liabilities, and expenses (including, without limitation, reasonable attorneys' fees) that arise from your violation of this Agreement, applicable law, or any third-party rights or your fraud or willful misconduct. Bank reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses.
Except as otherwise expressly provided in this Agreement or as otherwise required by applicable law, Bank, Tumoni, Bank's affiliates, and the parties with whom Bank contracts in order to offer the Cards, the Card accounts, and related services are neither responsible nor liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating in any way to the Cards, the Account, any products or services purchased using a Card, or this Agreement (as well as any related or prior agreement that you may have had with Bank).
From time to time the Card services may be inoperative, and when this happens, you may be unable to use your Card or obtain information from your Card, including the available balance of funds associated with your Card. Please notify Customer Service if you have any problems using your Card. You agree that Tumoni or Bank, and their respective affiliates, employees, or agents are not responsible for any interruption of service.
Although considerable effort is expended to make the Website, Mobile App, and other operational and communications channels available around the clock, neither Bank nor Tumoni warrants these channels to be available and error free every minute of the day. You agree that neither Bank nor Tumoni will be responsible for temporary interruptions in service due to maintenance, Website or Mobile App changes, or failures, nor shall Bank or Tumoni be liable for extended interruptions due to failures beyond Bank or Tumoni's control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts.
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.
For assistance or additional information regarding your Card, please contact Customer Service.
Section headings in this Agreement are for convenience of reference only and shall not govern the interpretation of any provision of this Agreement.
Any claim, dispute, or controversy ("Claim") between you and Bank arising out of or relating in any way to this Agreement, your Account, your Card, your acquisition of the Card or Account, your usage of the Card or Account, or transactions on the Card or Account, 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 in your state of residence at a location that is reasonably convenient for both parties.
ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER YOU NOR BANK WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER YOU NOR BANK WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY.
Bank will pay the initial filing fee to commence the arbitration.
You and Bank will have every remedy available in arbitration as you and Bank would have from a court and will be entitled to reasonable discovery. All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made finally and exclusively by the arbitrator. The arbitrator's award will 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 SHALL BE ALLOWABLE IN ARBITRATION.
This arbitration provision shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card or Account, or any amounts owed on your Card or Account, to any other person or entity. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing.
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.
Solely for purposes of this Section 22.12 "Arbitration", "We" or "Us" shall mean Bank, Tumoni and each of their respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card or Account.
IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD OR ACCOUNT.
If enabled, you may have the option of accessing your Account with, in addition to your physical Card, a virtual card represented by a 16-digit account number ("Virtual Card"). The Virtual Card may either be single-use, meaning the 16-digit account number will expire after a single transaction, or recurring-use, meaning you may use your 16-digit account number for multiple transactions.
You may elect to add your Virtual Card to one or more digital wallets ("Digital Wallets") supported by Bank and subject to the Bank's terms for adding your Virtual Card to a Digital Wallet.
The Digital Wallet provider may allow you to conduct transactions at a POS device and you may not be able to use your Virtual Card to perform transactions at such POS devices until you have selected a PIN pursuant to this Agreement.
You may use your Virtual Card to make purchases at any merchant that accepts VISA debit cards or debit cards of other networks in which the Bank participates, subject to the funds available in your Account, the transaction limits described herein, and the other terms and conditions of this Agreement. You may not use your Virtual Card for making purchases at any vending machines, kiosks or gas station pumps. Each time you use your Virtual Card, you authorize Bank to reduce the value available in your Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the amount of available funds in your Account through an individual transaction or a series of transactions. If you do not have enough funds available in your Account, you can instruct the merchant to charge a part of the purchase to the Virtual Card and pay the remaining amount using another payment method. These are called "Split Transactions." Some merchants do not allow cardholders to conduct Split Transactions. Nevertheless, if a transaction exceeds the amount of available funds in your Account, you will be fully liable to Bank for the full amount of the transaction and any applicable fees.
Except for Virtual Cards added to any Digital Wallet, in accordance with and subject to the Digital Wallet terms, you will not receive a PIN with your Virtual Card or set a PIN for your Virtual Card. When you make purchases with your Virtual Card at any POS device other than through a Digital Wallet provider, they may select "CREDIT" on the keypad to make a signature purchase. You may not use your Virtual Card for online gambling or illegal transactions. Bank may temporarily "freeze" your Account and attempt to contact you if Bank notices transactions that are unusual or appear suspicious.
You may not use your Virtual Card for ATM's or to otherwise obtain cash anywhere.
