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Susquehanna Bank Teen Card Terms & Conditions

Section I. Definitions

In this Agreement, “Card” means the Susquehanna Bank Teen Card, issued by Susquehanna Bank, as a Visa® general-purpose prepaid card holding the associated balance or funded value.  “Funding Account” means a Parent’s Susquehanna Bank consumer checking account and the associated Visa Check Card. “Parent” means a Susquehanna Bank consumer checking account customer, with an associated Visa Check Card, who is either the parent or legal guardian of the Teen.  “Teen” means a child of the Parent who is of at least 13 years of age and is authorized by the Parent to use the Card.  The words “you”, “your” and “yours” in this Agreement mean the persons, including the Parent and any Teen, authorized to use the Card as described below, who have received the Card from Susquehanna Bank.  The words “we”, “us” and “our” mean Susquehanna Bank, our successors, affiliates or assigns.

 

Section II. General Terms

These Susquehanna Bank Teen Card Terms and Conditions (hereinafter, “Agreement”) contain the terms that apply to your Susquehanna Bank Teen Card; the Card may be used only in the manner and for the purposes authorized by this Agreement.


Important Information about Opening Your New Card .

To help 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 opens a Card.

In order to receive a Card, the Parent must be a Susquehanna Bank customer with an open Funding Account in good standing.  The Parent and the Teen must be residents of the United States to be eligible to have a Card issued and to have value added to the Card. The Teen will be established as an authorized user of the Card and, as such, will be considered to be a customer of Susquehanna Bank.

You may not use the Card for any illegal purpose, including the purchase of illegal goods or services.  You agree to take steps to ensure that you do not use the Card, or any other account, for any transaction that is illegal under the laws governing your account.  Susquehanna Bank (as the issuer of the Card) reserves the right to deny transactions or authorizations from merchants apparently engaging in the Internet gambling business or identifying themselves through the Card transactions record or otherwise as engaged in such business.  Additionally, Susquehanna Bank reserves the right to otherwise block or deny transactions from any merchant as we deem fit, with or without notice.

By authorizing a Teen to use the Card, the Parent represents that such Teen is at least 13 years of age.   

By signing, activating or accepting your Card or by allowing a Teen to use the Card, you agree to be bound by the terms and conditions contained in this Agreement which govern the use of the Card.  Read this Agreement thoroughly before the Teen signs or uses the Card and keep it for future reference. 


Section III. Card Description and Function

The Card is a proprietary Visa general-purpose prepaid card.  The Card accesses funds previously loaded on the Card.   

As part of the Card set up process, the Parent must designate a Funding Account from which funds may be transferred, as authorized, to the Card.  The Parent may designate up to two(2) Susquehanna Visa Check Cards as eligible to make transfers to a Card.  The Parent must notify us of the name, age, relationship and address of the Teen you authorize to use the Card.  Each Teen must have a separate Card. Each Parent may purchase a maximum of eight (8) Cards; one (1) Card each for up to eight (8) individual Teens.

The Card is not directly linked to any checking or credit card account.  The Card is neither a gift card nor a credit card.  No interest is charged on the balances transferred to the Card.  The funds reserved to the Card are FDIC-insured to the extent applicable to the Funding Account.


Section IV. Transaction Types, Limitations and Alerts

A. Using the Card

You may use the Card to:

  1. Pay for purchases of goods or services at merchants who accept Visa debit cards, and have agreed to accept the Card for point-of-sale transactions;
  2. Obtain cash at financial institutions that accept Visa debit cards;
  3. Perform transactions at an automated teller machine (“ATM”) that displays Susquehanna, Visa or Plus logos;
  4. Access online services to obtain Card balances and review recent Card history; and
  5. Access telephone customer services at 800.311.3182.

You may not transfer the cash balance available on the Card to another bank or to another debit or credit card product.


B. Activating the Card and obtaining a PIN

The cardholder may select a Personal Identification Number (PIN), which will allow use of the Card at an ATM.  The Teen or Parent can activate the Card and select a PIN by visiting www.visaprepaidprocessing.com/susquehanna/teen or calling 866.902.5938.  The Card and PIN are provided for your use and protection, and you agree to:

  1. Not disclose the PIN or record it on the Card or otherwise make it available to anyone else;
  2. Use the Card, the PIN and any ATM or point of sale terminal as instructed;
  3. Promptly notify us of any loss or theft of the Card or PIN;
  4. Be liable for any transaction made by a person you authorize or permit to use the Card and/or PIN. If you permit someone else to use the Card, we will treat this as if you have authorized this person to use the Card and you will be responsible for any transaction initiated by such person with the Card.

C. Adding funds and using the Card

Funds can be loaded through your Susquehanna Visa Check Card at www.visaprepaidprocessing.com/susquehanna/teen.  Upon authorization, funds will become available for use by the Card on the business day such transfer is made.

You may also load funds onto the Card at a Susquehanna Bank branch or at a Visa ReadyLink location with cash.For more information about Visa ReadyLink, visit http://usa.visa.com/personal/cards/prepaid/readylink_card.html.  Additional terms and conditions may apply.

The maximum Card value at any one time is $1,000.00.  If the Card has $1,000.00 available, additional amounts may not be loaded onto the Card.

The maximum amount that can be loaded to the Card at any one time is $500.00 and no more than $1,000.00 in a seven (7) day period.

The initial Card load minimum is $25.00.  Thereafter, the minimum value that may be loaded onto the Card at any time is $25.00.

The maximum amount allowable for cash withdrawals from ATMs, cash back from merchants, and cash advances from financial institutions that accept Visa debit cards is $200.00 per seven (7) day period.  You may elect to allow no cash withdrawals on the Card or you may designate a withdrawal limit less than the maximum. The maximum amount allowable for purchases is $500 per transaction and $800 per seven (7) day period.

When the Card is used to obtain goods or services or to obtain cash, the merchant may attempt to obtain preauthorization from the Card for the transaction.  A three (3) business day hold may be placed on the Card for the amount of the preauthorization request. Certain types of transactions (like hotels and airlines) may have a seven (7) business day hold.  If the preauthorization request amount varies from the actual transaction post amount, the preauthorization hold amount may remain on the Card until the required number of days expires.  As a result, subsequent preauthorization requests against the hold amount may cause the transaction to be declined.  A pre-authorization amount may differ from the actual transaction post amount if the final amount of the transaction is unknown, such as when dispensing fuel or adding a tip at a restaurant.

You may not make or schedule pre-authorized, regular payments with the Card.


D. Text and Email Alerts

You may enroll in optional transaction text message and/or email alerts, by visiting www.visaprepaidprocessing.com/Susquehanna/Teen

When you opt in to the text messaging and/or email alert service, you agree to update your information for text messages and/or email alerts, including any changes in the phone number or email address to be used.  You understand that we will make our best effort to send and deliver the alerts and you agree not to hold the bank liable for alerts not sent or received by you. We do not charge a fee for email or text alerts; however, your wireless carrier may charge fees for data usage and text messaging services.


E. Conversion to U.S. Dollars

Transactions made in currencies other than U.S. Dollars will be converted into U.S. Dollars.  The exchange rate used to convert the currency used in an international transaction into the billing currency, shall, in each instance, be either a rate selected by Visa from the rates available in wholesale currency markets for the applicable processing date and may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable processing date, plus our International Transaction Fee.  Conversion to U.S. Dollars may occur on a date other than the date of the transaction, and thus the actual conversion rate may differ from the rate in effect at the time of the transaction.  You agree to pay the converted amount plus any applicable conversion charges.


F. Card Expiration

The Card will have an expiration date of three (3) years after the date of purchase. At least two (2) weeks before the expiration date, a new Card with a new three (3) year expiration date will be mailed to the Parent, at the address on file, unless the Card has a negative balance. Any balance that is on the Card when it expires will be transferred to the new Card.


Section V. Payment

Each time the Card is used, the amount of the transaction will be debited from the Card balance.  You may not exceed the Card balance available on the Card by any individual or series of transactions.  If you conduct a transaction which exceeds the Card balance, you shall remain fully responsible for either the amount of the transactions approved or the cash withdrawn, and any applicable fees.  We reserve the right to automatically debit such amounts from transfers of funds to the Card.  An Overdraft fee will be charged each time the Card balance goes into the negative.  If a fee causes the Card to have a negative balance, the Overdraft fee will not be assessed.  

You agree to immediately add funds to the Card for all transactions exceeding the Card balance, including any fees.  If there is still a negative balance after three (3) business days, we reserve the right to setoff such amounts from the Funding Account or any other account the Parent maintains at Susquehanna Bank, as applicable and pursuant to the terms of those accounts.  This right of setoff does not apply if prohibited by law.


Section VI. Fees

You agree that the following fees and service charges apply to the Card and may be charged to the Card or Funding Account. After the initial fee for the Card Purchase, which will be collected at the time of Card opening, fees will generally be debited from the Card. If we invoke the right of setoff, fees will be debited from the Funding (or other) Account.

SERVICES WITH FEES
Card Purchase Fee: $10.00
Inactive Card:
(after 12 consecutive months of no transactions and until
you make another transaction or until the Card is depleted)
$8.00 per month
Replacement of Lost, Stolen or Damaged Card: $5.00
Cash Out at Card Closure: $5.00
Balance Inquiry at non-Susquehanna ATM*: $2.00
Withdrawal at non-Susquehanna ATM*:
*A fee (surcharge) may also be charged by the owner
of the non-Susquehanna ATM
$2.00
Paper Statement: no charge
Statement Copy: $3.00
International Transaction**:
**In addition to any ATM or Cash Advance fees; after conversion to USD
3% of transaction
Overdraft Fee: $5.00
Phone Service Call: 2 free/month; $0.50 per call thereafter
Use of Visa ReadyLink to load funds: no charge from Susquehanna; merchant may charge a fee

Section VII. Verification of Transactions and Statements

You and the Teen are entitled to receive a transaction record or receipt each time a transaction is completed using the Card at an electronic terminal or ATM. In addition, all Card transactions will be listed separately on the Card statement.

A monthly statement of the Card activity for each monthly cycle will be provided. A statement copy can be obtained for a fee by calling 800.311.3182.


Section VIII. Susquehanna Bank's Liability for Failure to Complete Transactions

Susquehanna Bank will be liable for your actual and direct damages if it causes a Card transaction to be unreasonably delayed or processed for an incorrect amount unless:

  1. You have insufficient funds available on the Card to cover a transaction (through no fault of ours); or
  2. A terminal or system malfunction caused the loss; or
  3. Despite reasonable precautions, circumstances beyond our control (such as flood or fire) prevent or delay the transaction; or
  4. We have blocked or restricted Card usage at certain merchants and/or locations.

Section IX. Unclaimed Funds

The balance remaining on the Card may become unclaimed funds escheatable to the state, if, as shown by our records, you have not, within the applicable statutory period, requested refund of unused funds on the  expired or canceled  Card, corresponded with us concerning the Card, or transacted any business on the Card.  If that occurs, the funds will escheat to the state in which your last known address was located according to our records or the state where the Card was purchased.


Section X. Unauthorized Transfers

Tell us at once if you believe the Card has been lost or stolen, or if you believe that an electronic fund transfer or transaction has been made without your permission. Telephoning is the best way of keeping your possible losses down; contact us at 800.311.3182. You could lose all the money on the Card. If you tell us within two (2) business days after learning of the loss or theft of the Card, you can lose no more than $50 if someone used the Card without your permission.

If you do not tell us within two (2) business days after you learn of the loss or theft of the Card, and we can prove we could have stopped someone from using the Card without your permission if you had told us, you could lose as much as $500.

Also, if the Card statement shows transfers or transactions that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed or made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.


Section XI. Error Resolution Procedures

In case of errors, questions, or discrepancies about Card transaction(s) call 800.311.3182 or write to us at Susquehanna Bank, PO Box 1000, ATTN: CARDSERV, Lititz, PA 17543 as soon as possible.  You must contact us within 60 days from the date the transaction appears on a monthly statement and you must provide us with the following information:

  1. Your name and card number.
  2. A description of the error or the transaction you are unsure about and why you believe it is an error or why you need more information.
  3. The dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you (20 business days for new Card customers) and will promptly correct any error. If we need more time to investigate, however, we may take up to 45 days (90 days for a point-of-sale transaction or foreign-initiated transfer). If we decide to do this, we will credit the Card within ten (10) business days (20 business days for new Card customers) for the amount you think is in error and you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Card.

We will tell you the results within three (3) business days after completing our investigation.  You may ask for copies of the documents that we used in our investigation.


Section XII. Visa Zero Liability Policy

You will not be held liable for unauthorized purchases made with your Card. This does not include ATM transactions or PIN transactions not processed by Visa.  You must notify us immediately of any unauthorized use. For more information, visit usa.visa.com/personal/security.


Section XIII. Lost or Stolen Cards

If the Card is lost or stolen, promptly notify us by calling 800.311.3182 or writing to PO Box 1000, ATTN: CARDSERV, Lititz, PA 17543.  A replacement Card may be issued to the purchaser of the Card.  The applicable card replacement fee will be charged against the Card.  Keep a record of your Card number in a safe place, separate from the Card to assist in replacement.


Section XIV. Disclosure of Information to Third Parties

Information about the Card or Card transactions may be disclosed to and by third parties on our behalf only:


Section XV. Legal Actions Affecting Your Card or Funding Account

If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to the Card  or Funding Account, we will comply with that legal action.  Or, in our discretion, we may freeze the assets on the Card or in the Funding Account and not allow any payments out of the Card or Funding Account until a final court determination regarding the legal action is received.  In such cases, we will not have any liability to you if there are insufficient funds on the Card or in any way restrict access to your funds in accordance with the legal action.

If your Funding Account or other account(s) is closed and there are still funds on the Card, we reserve the right to close the Card and mail you an Official Check with the balance of the funds.


Section XVI. Amendment and Governing Law

We may change the terms and conditions of this Agreement by posting the revised terms to our websites, www.susquehanna.net , or  www.visaprepaidprocessing.com/susquehanna/teen , or by any other method permitted by law. This Agreement is governed by federal laws and, to the extent not preempted, by the laws of the Commonwealth of Pennsylvania.

v. 3-18-14

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