This Cardholder Agreement (“Agreement”) is an agreement between you and Sutton Bank (“Bank”) and outlines the terms and conditions under which the Tremendous Rewards Visa Incentive Card has been issued to you. Bank is an FDIC insured member institution. By accepting and/or using the Card, you agree to be bound by the terms and conditions contained in this Agreement. "Card" means the Tremendous Rewards Visa Incentive Card loaded with a specific value and issued to you by Bank. Your Card is not FDIC insured. “Card Account” means the records we maintain to account for the value of claims associated with the Card. “Sponsor” means an entity that provides funds in the Card Account for your use. “You” and “your” mean the person or persons who have received the Card and are authorized to use the Card as provided in this Agreement. “We,” “us,” and “our” mean Bank and its successors, affiliates, and assignees. “Website” means www.tremendous.com. Please read this Agreement carefully and keep it for future reference. The expiration date of the Card is identified on the front of the Card. You acknowledge and agree that the maximum value available in your Card Account is limited to the funds that have been loaded into your Card Account on your behalf. You have received this Card as a gratuity from Sponsor without the payment of any monetary value or consideration. The funds in your Card Account are not held in a separate account or on the Card; instead, they are pooled with funds of other cardholders and held by in an account with Bank for your benefit, with the balance of such funds to be reduced through your use of such funds in accordance with the terms of this Agreement. The Card is not connected in any way to any other account. You may use the Card to make purchases at any merchant that accepts Visa debit cards, subject to your available Card Account balance and the other terms and conditions of this Agreement. Each time you use the Card, you authorize Bank to reduce the funds available in your Card Account by the amount of the transaction. The Card is not a gift card or gift certificate. The Card is not a credit card. The Card is not for resale. You will not receive any interest on your funds in your Card Account. The Card will remain the property of Bank and must be surrendered upon demand. The Card is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. The Card is not designed for business use, and we may close your Card Account if we determine that it is being used for business purposes or in a manner that is not consistent with the intended use of the Card. We may refuse to process any transaction that we believe may violate the terms of this Agreement.
You must activate the Card before it can be used. You may activate the Card on the Website or by calling 1-877-319-4438. In order to activate the Card, you will need to provide certain User Information so we can authenticate your identity and then select a PIN. If you experience difficulty when using the Card, please call us at 1-877-319-4438 or visit the Website.
Card and PIN Security: When selecting a PIN, do not use numbers or words that appear in your wallet (e.g., your date of birth, address, or social security number). Memorize your PIN and do not share it with anyone. You can change your PIN by accessing your Tremendous Rewards profile online at the Website. You should not write or keep your PIN with the Card.
YOU SHOULD TREAT THE CARD WITH THE SAME CARE AS YOU WOULD TREAT CASH. Always protect the Card and keep it in a safe place. Do not send the Card number in an email or text message. Make sure the Card information is secured with encryption when you use the Card to perform transactions over the Internet or wireless networks.
You acknowledge and agree that the value available in your Card Account is limited to the balance of your Card Account. You may use the Card to purchase or lease goods or services in Canada and in the United States and District of Columbia online, by mail, or telephone wherever Visa debit cards are accepted as long as you do not exceed the value available in your Card Account. You are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein. If you do not have enough funds available in your Card Account for the amount authorized by you, your transaction will be declined. If you do not have enough funds available in your Card Account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If you use the Card number without presenting the Card (such as for an online transaction), the legal effect will be the same as if you used the Card itself in-store. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions made with the Card. Nevertheless, if a transaction exceeds the balance of the funds available in your Card Account, you shall remain fully liable to us for the amount of the transaction.
When making purchases with the Card at any point-of-sale ("POS") device, you may select “CREDIT” on the keypad to make a signature purchase, or, if the POS device bears the payment network debit network (i.e. Pulse, Maestro) symbol, you may select “DEBIT” on the keypad and enter your PIN to make a PIN purchase.
The Card cannot be redeemed for cash. You cannot use the Card to obtain cash from an Automated Teller Machine (“ATM”), POS device, or by any other means. You may not use the Card at an ATM. You may not use the Card for any illegal transactions. The Card may not be used outside of the U.S. and District of Columbia, and may not be used with non-U.S. merchants, including online and mail or telephone orders if the merchant is outside of the U.S. and District of Columbia. Any purchases made with the Card must only be in U.S. currency.
Merchant Holds on Available Funds. When you use the Card or Card number to initiate a transaction at certain merchant locations, 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 Card 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 us the final transaction amount. Once we receive the final transaction amount, it may take up to seven (7) days for the hold to be removed. During that period, you will not have access to the funds subject to the hold. Please be advised that you may experience difficulties using the Card at unattended vending machines, kiosks, and gas station pumps. If the Card is declined at a “pay at the pump” gas station even though you have sufficient funds available, you should pay for your purchase inside with the cashier.
You are responsible for all transactions and fees incurred by use of the Card. If you permit another person to have access to the Card or Card number, we will treat this as if you have authorized such use and you will be responsible for all transactions and fees incurred by those persons. You are wholly responsible for the use of the Card according to the terms and conditions of this Agreement.
By activating the Card or by retaining, using, or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the United States or the District of Columbia (with valid U.S. tax ID number); (iii) you have received a copy of this Agreement and agree to be bound by and to comply with its terms; and (v) you accept the Card. If you are under eighteen (18) years of age (or older if you reside in a state where the majority age is older), your parent or legal guardian may enter into this Agreement, and you may become an authorized user of the Card.
The Card and the funds in the Card Account are made available to you at the request of the Sponsor. The terms of any payment from the Sponsor to you, including whether such funds belong to you and the correct amount, are matters between you and the Sponsor. We have no responsibility for resolving such disputes.