The Monthly Fee will be deducted from the balance of the Primary Account. The kids' and teens' banking app with investing. To the extent permitted by law and as permitted by the Arbitration clause below, you agree to be liable to us and Greenlight for any loss, costs, or expenses that we may incur as a result of any dispute or legal proceeding involving your Card Account. In all cases, the Primary Accountholder (and not the Secondary Cardholder or child) will be the owner of the broker-dealer account established with DriveWealth for buying and selling Equities. 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. Notwithstanding the above, Greenlight may refuse to accept any Referred Customer, and such decision shall be at the sole discretion of Greenlight. A two-letter country code. ; US Bank online banking - You'll be able to get your US Bank routing number by logging into online banking. Email Us Text Us Or call us at 888-483-2645 We're here to help 24 hours a day, 7 days a week. Arbitration proceedings are private and less formal than court trials. Why am I being asked to verify my identity? How can I dispute a charge on my Greenlight account? In case of errors or questions about your Card Account or if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt, call 888-483-2645 or write to Cardholder Services, 303 Peachtree Street NE, Suite 4300, Atlanta, GA 30308. Holiday hours may apply. The numbers were adopted by the banking industry in 1910 to make transactions. 2023 Greenlight Financial Technology, Inc. Find Your Routing Number on a Check You can find your routing number in the bottom left corner of a check. Nevertheless, if a settled transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the difference between the Card Account balance and the amount of the settled transaction together with any applicable fees. However, if you are the Claimant, we will pay your reasonable attorney, expert, and witness fees and costs if you prevail or if we must bear such fees and costs in order for this Arbitration Provision to be enforced. Refer a Member. The Issuer is an FDIC-insured member institution. In order to obtain the account number and routing number for your Sub-Account, please contact Greenlight at 1-888-483-2645. You will have access to your funds immediately for an initial value load after Physical Card receipt and PIN selection; subsequent value loads will be made available in accordance with the Issuers funds availability policy. A BIC or SWIFT code (also known as SWIFT BIC or SWIFT ID) is there to determine who the bank is (or other financial institutions) and where they are in the world. ; Check or statement - Wells Fargo-issued check or bank statement. Some merchants do not allow cardholders to conduct split tender transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. Further, the Greenlight + Invest Plan can be amended or cancelled by us at any time. Call us Contact Customer Support at (866) 795-7597 5am-9pm PST, 7 days a week. If you permit another person to have access to your Cards or Card numbers, 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. For purposes of this Agreement, the term Claim shall have the broadest possible meaning. In the event of a conflict or inconsistency between this Arbitration Provision, on the one hand, and the applicable arbitration rules or the other terms of this Agreement, on the other hand, this Arbitration Provision shall govern. It can be a quicker and simpler way to resolve disputes. Client should prompt end user to connect a different account for `auth`. The check will typically have the 9 digit routing number down on the bottom left of the check. Routing number = 000127601. You agree to pay us the fees set forth in the Fee Schedule table below. If your Card has been lost or stolen, we will close your Card Account to prevent further losses. Dollars. In Canada, the routing number for electronic fund transfers (EFT) such as direct deposit from employers, pre-authorized debit (PAD), bill payments, bank to bank transfers and wire transfers is made up of your: A leading zero "0" - The U.S. uses 9-digit routing numbers, so this zero is used to get to 9 digits. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. 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. Each party to the dispute has an opportunity to present some evidence to the arbitrator. You will be offered three different Card Plans and tiers of service to choose from; each with a different set of features and functionality. Focusing on banking as a service, corporate lending, and other financial services, Pathward brings the future of banking to all who want it by disrupting traditional banking norms. However, if any customer enrolled in the Greenlight + Invest Plan upgrades to the Greenlight Max Plan or Greenlight Infinity Plan, or downgrades to the Greenlight Core Plan or closes its account, the customer will not be able to re-enroll in the Greenlight + Invest Plan.. IF YOU SELECT ANY CARD PLAN INCLUDING INVEST ACCOUNT SERVICES, YOU AUTHORIZE US AND GREENLIGHT TO DISCLOSE YOUR PERSONAL INFORMATION TO GREENLIGHT ADVISORS AND DRIVEWEALTH AS NECESSARY FOR GREENLIGHT ADVISORS AND DRIVEWEALTH TO PROVIDE THE INVEST ACCOUNT SERVICES AND ANY RELATED SERVICES. 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. If either you or we require a Claim to be arbitrated, you may tell us in writing that you cannot afford to pay the fees charged by the Administrator and/or the arbitrator or that you believe those fees are too high. The Greenlight Max Plan includes all of the features and functionality included under the Greenlight Core Plan, together with the Invest Account Services, and all of the additional features and functionality of the Greenlight Max Plan Services as described in the Greenlight Terms of Service which is available in the Policy Center link of the Greenlight website at www.greenlight.com. Check Routing Number. The Card is a prepaid card. How to find Greenlight card number ? READ THIS ARBITRATION PROVISION CAREFULLY. On the home screen, tap Settings . The purpose of Green Routine: Let go of the last point and focus on the current point. Investing involves risk and may include the loss of capital. The opt-out notice must be sent to us by mail at: Cardholder Services, 303 Peachtree Street NE, Suite 4300, Atlanta, GA 30308. Your account number is the second set of numbers (labeled "2" in the image above). Fedwire - You can look up your routing . You additionally authorize Community Federal Savings Bank to receive funds from DriveWealth for deposit into your Card Account. The ACH Authorizer authorizes Greenlight and the Issuer to continue to debit the Funding Account(s) for requested Card Account loads until this authorization is revoked, which can be performed, in many cases, by changing the applicable setting on the Greenlight application, or, in all cases, by calling 1-888-483-2645. Both account numbers and routing numbers are required for banks, credit unions, and other financial institutions to process auto payments, direct deposits, checks, and wire transfers. 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. Related: The Best Canadian Banks. You can upgrade or downgrade your Card Plan at any time, but not more often than once each monthly billing cycle. You should get a receipt at the time you make a transaction using your Card, including ATM withdrawals. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph labeled Your Liability for Unauthorized Transfers.. 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. This 9-digit routing number is the format used for electronic payments and transfers. 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 format of check transit number - XXXXX - YYY The first 5 digit is called branch transit number and identifies the exact branch of the bank. ABA numbers have been around for over 100 years, facilitating check processing. Both Greenlight Advisors and DriveWealth are involved with offering you the Invest Account Services as further described under the heading Invest Account Services below. The first series of numbers printed on the left-hand side of the bottom of a check is the bank's 9-digit routing number. The cardholder agrees to sign the back of the Card immediately upon receipt. LRC-1121. Search routing number or part of a bank name, e.g. If you need to replace your Physical Card for any reason, please contact us at 888-483-2645 to request a replacement Card. 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. The Card is not designed for business use, and we may close your Card Account and require the return of your Card if we determine that it is being used for business purposes. Greenlight does not hold any consumer funds; any funds that you may add to your Card Account are solely held by Community Federal Savings Bank unless transferred to your Invest Account held by DriveWealth in order to make purchases of equity securities. The ACH Authorizer acknowledges that debits to the Funding Account(s) under this authorization must comply with U.S. laws. If you select the Greenlight Core Plan, then you will have access to the Greenlight Core Plan Services. Both the Primary Accountholder and any Authorized Approver may authorize a load from any Funding Account used to add funds to the Primary Account. YOU FURTHER ACKNOWLEDGE THAT THE MONTHLY FEE STRUCTURE WHICH COMBINES THE SERVICES PROVIDED BY US, TOGETHER WITH THE INVEST ACCOUNT SERVICES, IS SOLELY FOR EASE OF BILLING PURPOSES, AND THE DIVISION OF FEES PAID TO THE BANK AND FEES PAID TO GREENLIGHT ADVISORS FOR INVESTMENT ADVISORY SERVICES ARE CLEARLY SPELLED OUT UNDER FEE SCHEDULE HEREIN AND IN THE ADVISORY AGREEMENT. We, us,andourmean the Issuer, our successors, affiliates, or assignees. If presented for payment, these preauthorized direct debits will be declined and your payment to the merchant or provider will not be processed. If you select the Greenlight Infinity Plan, then you will have access to the Greenlight Infinity Plan Services. 4 The Greenlight + Invest Plan is no longer available to be selected by new customers, but, until further notice, will remain in effect for any existing customers currently enrolled in this Card Plan. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. 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. Funds from direct deposits will generally be available on the day the Issuer receives the transfer, pending Greenlights fraud prevention review. You agree that we may contact you from time to time regarding your Card Account in any manner we choose unless the law says we cannot. Find your routing and account number on the bottom of each of your checks as displayed . Probably the easiest place to find your bank's routing number is to look at your paper checks. Rules of Interpretation:This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. The Greenlight Select Plan includes all of the Greenlight Core Plan Services with the exception that it does not include any Invest Account Services (as defined below). Hit Continue to review the information ere selecting send money to complete the transaction. Greenlight Servicesmeans the prepaid account services operated by Greenlight that, among other features, provide the Primary Accountholder (or, where applicable, an Authorized Approver) with the ability to control and monitor various aspects of the Primary Account and Secondary Account(s), including specifically the ability to set spending parameters and approve purchases for any Secondary Account(s). Your wireless carrier may charge fees for your data usage in connection with your use of Greenlight Services. Our writers, editors, and product analysts are financial industry veterans. Such authorization shall be provided by the Primary Accountholder or an Authorized Approver to Greenlight and/or the Issuer via the Greenlight application. Routing numbers have been in use since 1910, and are managed by the American . If you have subscribed to a Card Plan with Invest Account Services and have established an Invest Account with DriveWealth, if we are unable to collect your Monthly Fee after 60 days, Greenlight Advisors may direct DriveWealth to sell all securities registered in your name through the Greenlight program and apply the proceeds first to pay us any past due Monthly Fees as well as any other past due fees under this Agreement, and then to pay any remaining balance to you. In many cases, these changes will involve adding new features and functionality to a particular Card Plan. You will not receive a Personal Identification Number (PIN) for your Virtual Card, and your Virtual Card cannot be used for ATM transactions. 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. Indicating your desire to opt out of this Arbitration Provision in any manner other than as provided above is insufficient notice. 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. Wells Fargo Routing Number. When you add money to your Greendot card with an outside bank account, it is called an express transfer and it costs $2.95 per transfer. 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. - Debit card for kids and teens In the Chime app, you can access your account and routing numbers by following the steps below: Log into the Chime app on your iPhone or Android. International Card transactions will be subject to the currency conversion rates of the card network operator (Mastercard), as such may be in effect and applied by Mastercard at the time of the Card transaction. Limitations on amounts that may be added to your Primary Account and associated fees may be found on the Fee Schedule table below. The expiration date of your Card is identified on the front of your Physical Card, or on the digital representation of your Virtual Card. Restrictions on Preauthorized Debits from Card Account, Fee Schedule and Balance/Transfer Limitations.. 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. This Arbitration Provision shall survive the repayment of all amounts owed under this Agreement any legal proceeding and any bankruptcy, to the extent consistent with applicable bankruptcy law. j. Severability:If any portion of this Arbitration Provision is deemed invalid or unenforceable, such a finding shall not invalidate any remaining portion of this Arbitration Provision, this Agreement, or any other agreement entered into by you with us. If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the transaction history was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. In such event, and if you have established an Invest Account at DriveWealth, you hereby authorize Community Federal Savings Bank to instruct DriveWealth to debit such amounts from your Invest Account at DriveWealth. 1 Family means the Primary Account plus all Secondary Accounts. 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. We leverage our personal experience and knowledge to bring clarity to your financial decisions. This Arbitration Provision survives any termination, amendment, expiration, or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. The account number (11 digits) identifies your individual account. 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. 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 Primary Accountholder may request Secondary Accounts in connection with the Greenlight Services. You must notify us to revoke permission for any person you previously authorized to use a Card. You may not use your Card(s) for gambling, including online gambling, or any illegal transaction. NOTE: The CFSB App site you selected will open in a new window. 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. The pricing for all five card plans the Greenlight Core Plan, the Greenlight Select Plan, the Greenlight + Invest Plan, the Greenlight Max Plan and the Greenlight Infinity Plan (each, a Card Plan and collectively, the Card Plans) are set forth under the heading Fee Schedule and Balance/Transfer Limitations. The Primary Accountholder is responsible for selecting the applicable Card Plan, and, once selected, the same Card Plan will apply to the Primary Account and all Secondary Accounts associated with your Card Account. ; Fedwire - You can look up your routing number on the official website of . The Primary Accountholder, or an Authorized Approver, may load the Primary Account by debit card. 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. 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. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. 1 A single Monthly Fee will be assessed against either the Primary Account or any of the Secondary Accounts if funds are not available in the Primary Account and the Funding Account. Firstly, log in and navigate to Pay Bills and People, select Pay People, and send money. As solely used in this Arbitration Provision, the termswe, usandourmean not just the Issuer but also our parent companies, subsidiaries, affiliates, successors, assigns and any of these entities employees, officers, directors and agents.Opt-Out Process. If you do not want this Arbitration Provision to apply, you may reject it by mailing us a written opt-out notice which contains your Card Account number, your name and address and a signed statement that you opt out of the Arbitration Provision of this Agreement. You will need to tell us: Why you believe there is an error, and the dollar amount involved; and. They will ask you a few basic questions to determine your routing number. It includes a debit card, savings with APY, allowance for chores, financial literacy games, and even investing for kids. If you request a Physical Card, it will be mailed to the address you provide to us during the registration process. You agree to retain, verify, and reconcile your transactions and receipts. Each Administrator charges fees to administer an arbitration proceeding and the arbitrator also charges fees. 131 Ashland Street North Adams, MA 01247. Our contacts with you about your Card Account are not unsolicited. At the timely request of either party, the arbitrator must provide a brief written explanation of the basis for the award. Your routing number is a unique 9 digit code which shows the bank branch where you opened your account. The minimum amount of an initial value load by ACH and the minimum amount of any subsequent reload shall be established by the Issuer from time to time and disclosed in the Greenlight Policy Center which appears in the footer of www.greenlight.com. The ACH Authorizer understands that it may take Greenlight or the Issuer up to three (3) business days to process such a revocation. Routing numbers are nine-digit numbers that identify your bank or credit union in a financial transaction. Type of wire transfer. $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). The Primary Accountholder (and any Authorized Approver) is encouraged to use the Greenlight application to confirm when fund loads are available. Greenlight - Kids' Debit Card - Manage Chores One month, on us. You may also use your Physical Card with PIN to obtain cash at any Automated Teller Machine (ATM) displaying the Mastercard name or logo, the Visa Interlink name or logo, or the Maestro name or logo. Plans range from $4.99 - $14.98 per month for up to 5 kids. An ABA (American Bankers Association) routing number is the first number sequence that appears on the bottom left of your paper checks. 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. However, if the change is made for security purposes, we can implement such change without prior notice. TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW, YOU HEREBY WAIVE ANY CLAIM THAT YOU MAY HAVE AGAINST COMMUNITY FEDERAL SAVINGS BANK RELATING TO THE INVEST ACCOUNT SERVICES. 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. 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. 062000080. Also, we will bear any fees and costs if applicable law requires us to do so.
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