Helpful Tips for Using Your Card |
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Reward Card Cardholder Agreement (Effective 1/1/2013) Read this Agreement carefully and keep it for future reference. |
The Reward Card (“Card”) is a Visa prepaid card issued by U.S. Bank National Association that is loaded with value
and given to you as authorized and determined solely by an organization on a loyalty, award or promotional basis,
and may be used at any merchant that accepts Visa debit cards. Signing the back of the Card, using the Card, or
allowing someone else to use the Card means that you accept this Agreement and you are responsible for all transactions.
In this Agreement the terms “we”, “us”, and “our” mean U.S. Bank and “you” or “your” mean anyone who has received the
Card or is authorized to use it. Keep a record of your Card number in case of loss or theft. You must not use your
Card for any illegal transaction. We may decline authorization for any illegal transaction or Internet gambling
transaction. Your Card cannot be used for any cash advances, money orders, travelers checks or gambling transactions.
Additional value cannot be added to this Card. All transactions will be declined once the Card balance reaches zero.
The laws of the state of Ohio govern interpretation of this Card Agreement. We may change the terms of, or add new
terms to, this Card Agreement at any time, with or without cause, and without giving you notice, in accordance with
applicable law. Refer to the back of the Card or Card Carrier for the web site with the posting of the most recent
terms. This Agreement contains an arbitration provision (including a class action arbitration waiver). It is important
that you read the Arbitration Provision Section carefully. |
Fees |
There are no fees when using the Card to purchase goods and services. The following fees may apply and will be deducted
from the balance available on the Card, except where prohibited or modified by applicable law. |
Expiration Fee:: $10.00 (or remaining unused balance (if less))
assessed in first month following card expiration. |
Administrative Fee:: $5.00 (or remaining unused balance (if less)) assessed in second and subsequent months
following card expiration. |
Telephone and Web Service Fee: You have unlimited free access to balance and account information online at the
web site printed on the back of the Card and on the Card Carrier. To contact Customer Service, please refer to the
phone number printed on the back of the Card and on the Card Carrier. |
Card Replacement Fee: A $7.00 fee will be charged to your Card if it is replaced at any time before expiration. |
Escheatment Fee: A $7.00 fee will be charged to your Card if it is escheated according to applicable law. |
Foreign Transaction Fee: Transactions made in a foreign currency will be converted into U.S. dollars under the
applicable rules of Visa USA. As of August 1, 2006, Visa rules provide that the amount of your transaction in dollars will
be the amount of the foreign currency times: (a) a rate selected by Visa from the range of rates available in wholesale
currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives; or (b)
the government-mandated rate in effect for the applicable central processing date. We may charge a fee of up to 3% of the
transaction amount for transactions with merchants located outside of the U.S., even if currency is not converted. |
No Sale or Transfer |
Sale or transfer of Cards is strictly prohibited. |
Expiration, Revocation |
The Card is valid through the expiration date shown on the front of the Card or until the value on the Card reaches zero,
except where prohibited or modified by applicable law. When the Card expires it will be closed and any unused balance will
be handled according to escheat law. Your Card is not redeemable for cash. U.S. Bank may revoke the Card at any time without
cause or notice. You must surrender a revoked Card and may not use it to make purchases. You may not sell your Card and U.S.
Bank is not liable for the revocation of funds on Cards that have been sold or transferred by you. |
Internet, Mail and Phone Order Purchases Internet, mail and phone order purchases may require that we have the name and address of the Card owner on file. If you wish to make Internet or mail order purchases, you will need to call the phone number printed on the back of the Card to register your Card prior to performing an Internet, mail or phone order transaction. |
Personal Identification Number (PIN) Purchases After March 31, 2013, if you would like to use the Card for making purchases where entering a PIN is allowed, you can obtain a PIN by calling the phone number printed on the back of the Card and on the Card carrier. The Card and PIN are provided for your use and protection, and you will:
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Liability for Lost/Stolen Card and Unauthorized Transactions |
Inform Customer Service immediately at the phone number printed on the back of the
Card and on the Card Carrier, 24 hours a day, 7 days a week, if your Card has been lost,
stolen, or subject to unauthorized use. You will be required to provide your name, the
Card number, original value, and transaction history. You are liable for all
transactions that occur on your Card until you report it lost or stolen. You may also
be liable for transactions that occur on your Card after you report your card lost or
stolen unless (1) you sign the signature panel on the back of the card in permanent ink,
(2) you promptly report all facts relating to a loss or theft of your card, and (3) if
we ask for your cooperation in our investigation of your lost or stolen card, you fully
cooperate with our request. If you comply with these procedures and we determine there
is a balance remaining on your lost or stolen Card, you may request a replacement Card.
We will charge a $15.00 fee to replace a lost or stolen Card, which will be deducted
from the balance of your Card. A reissued Card may take up to 30 days to process. |
Liability for Failure to Complete Transactions |
U.S. Bank is not liable for any failed transaction if you do not have enough money on
your Card to cover a transaction, the terminal or system is not working properly,
circumstances beyond our control prevent the transaction, or the merchant authorizes an
amount greater than the purchase amount. |
Liability and Error Resolution Procedures |
If there is a problem or dispute with a purchase of goods or services, you must address
it directly with the merchant involved. Refunds and returns are subject to the
merchant’s policies or applicable laws. In case of any other errors on your Card
account call Customer Service immediately at the phone number printed on the back of
the Card and on the Card Carrier. You must call within 30 days of the date of the
transaction. If you need more information about error resolution procedures please
call Customer Service. |
Disclosure of Information to Third Parties |
We may disclose information to third parties about your Card or the transactions you
make: (a) where it is necessary for completing transactions; (b) to verify the
existence and condition of your Card to a third party; (c) to utilize services of third
parties and affiliate entities who assist us in providing the Card and related services;
(d) to comply with government agency rules or court orders; (e) if you give us your
permission; (f) if you owe us money or there are legal proceedings in connection with
your Card, in which case information may be released to attorneys, accountants,
collection bureaus, financial institutions, and others involved in collection,
adjustment, settlement or reporting; (g) to protect against potential fraud and other
crimes; or (h) when otherwise permitted by law. We may also share information about you
and your Card, based on our transactions and experiences with you, with our parent,
affiliate and subsidiary companies. |
Arbitration |
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