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. Any revisions to existing disclosures and agreements and any new disclosures and agreements will be posted in the Policy Center link on the Greenlight website at www.greenlight.com. Further, the Greenlight + Invest Plan can be amended or cancelled by us at any time. 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. If you provide us with your mobile phone number or contact us from your mobile number, you are providing this phone number for us or any third party acting on our behalf to contact you at this number. We may disclose information to third parties about your Card or the transactions you make: Where it is necessary for completing transactions; In order to verify the existence and condition of your Card for a third party, such as a merchant; In order to comply with government agency, court order, or other legal or administrative reporting requirements; If you consent by giving us your written permission; To our employees, auditors, affiliates, service providers, or attorneys as needed; or. You will not receive any interest on your funds in the Card Account. 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 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. The bank routing number and direct deposit account number are for the purpose of . You may obtain information about the amount of money you have remaining in your Card Account by calling 888-483-2645. Phone Numbers; Member Service - Call, chat or text 8am-8pm M-F, 10am-2pm Saturday: 503-256-5858 (call or text) . The arbitrator will issue a final and binding decision resolving the dispute(s), which may be enforced as a court judgment. Investing involves risk and may include the loss of capital. On a check. Some merchants may not provide a receipt for small dollar purchases. Under the Investing for Parents feature, each Primary Accountholder will be permitted to set up an Invest Account in the Primary Accountholders own name and will be able to access all of the features described in connection with Investing for Kids feature above. This nine-digit number has three components. Only Greenlight Max and Infinity families can earn 1% cash back on spending monthly. Why am I being asked to verify my identity? Community Federal Savings Bank does not serve as an investment advisor or a broker dealer in connection with the Invest Account Services; any securities that are acquired by a Primary Accountholder are not deposits or other obligations of Community Federal Savings Bank, are not guaranteed by Community Federal Savings Bank, and are not insured by the Federal Deposit Insurance Corporation (FDIC). Once the final settlement amount is received, the preauthorization amount on hold will be removed. For customer service or additional information regarding your Card, please contact us at: Greenlight Prepaid Mastercard It identifies your bank, which likely holds very many accounts, while your account number indicates your personal financial product. Greenlight is the loved, trusted banking app and debit card for kids and teens with an educational investing platform and safety features for the whole family. You can obtain the account number and routing number for your Secondary Account by accessing such information from the Primary Accountholder's profile settings page within the Application for the applicable Secondary Cardholder, or you can contact support@greenlight.com or call us at 1-888-483-2645 to obtain this information for the . You can open a Chase First Checking account for your child who is 6-17 years old. Except as otherwise stated in this Agreement, you have the same rights and responsibilities under this Agreement whether you use a Physical Card or a Virtual Card. Debit Card for Kids and Teens | Greenlight Learn to earn, save, and invest together. Find your routing and account number on the bottom of each of your checks as displayed . Under the Investing for Parents Lite feature, the Primary Accountholder will solely be able to invest in a select number of Exchange Traded Funds (ETFs) (initially 10) that have been chosen by Greenlight Advisors to represent different levels of risk matching the different risk tiers that are recommended by Greenlight Advisors based on the Primary Accountholders responses to initial screening questions regarding risk tolerance and investment horizon. Your Card may be used for retail purchases and telephone or Internet purchases. The Greenlight + Invest Plan includes all of the Greenlight Core Plan Services, together with all of the Invest Account Services as well as any other features and functionality of the Greenlight + Invest Plan as described in the Greenlight Terms of Service available in the Policy Center link available on the Greenlight website at www.greenlight.com. If you previously selected and are currently enrolled in the Greenlight + Invest Plan, then you will have access to both the Greenlight Core Plan Services and the Invest Account Services, which are the core features under this Card Plan. You will need to tell us: Why you believe there is an error, and the dollar amount involved; and. In the app, kids and parents create their own logins with two different experiences. During the hold period, you will not have access to the preauthorized amount. Funds transferred from your Card Account to your Invest Account will be available within two business days although, in many cases, transfers may be available much quicker. This Agreement will be governed by the law of the State of New York except to the extent governed by federal law. Greenlight is a financial technology company, not a bank. Under the Mastercard rules, your liability for unauthorized Card transactions on your Card Account is $0.00 if you notify us within two (2) business days and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. We may amend or change the terms and conditions of this Agreement at any time. If there are insufficient funds in the Primary Account, the Monthly Fee will be withdrawn from your Funding Account, pursuant to the authorization provided by the Primary Accountholder to the Issuer in this Agreement. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. 062000080. It is important to know your available balance before making any transaction. We may contact you at home, at your place of employment, on your mobile telephone at any time, including weekends and holidays, at any frequency and leave prerecorded messages or messages with others. Any Secondary Cardholder may load their account by direct deposit of wages or salary paid by an employer of such party. You may not use your Card(s) for gambling, including online gambling, or any illegal transaction. If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds and agree to the refund policy of that merchant. The minimum and maximum load amounts for transfers from the Invest Account 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. For purposes of this Agreement, the term Claim shall have the broadest possible meaning. Despite the foregoing, Claim does not include any individual action brought by you in small claims court or your states equivalent court, unless such action is transferred, removed, or appealed to a different court. In the event that your Card Account is cancelled, closed, or terminated for any reason, you may request that the unused balance be returned to you, which will be processed by us either by refund to your Funding Account or via a check to the mailing address we have in our records. 2. You will bear the expense of your attorneys, experts, and witnesses if we prevail in an arbitration. It will be in a sequence of three numbers printed in MICR (magnetic ink character recognition) form. The direct deposit agreement with the employer may include additional terms and conditions outside the scope of this Cardholder Agreement, and you authorize the Secondary Cardholder to accept those additional terms and conditions, which shall govern in the event of any inconsistency between the direct deposit agreement, on the one hand, and any provision of this Cardholder Agreement, on the other. Wells Fargo Routing Number. Finally, the simplest way to find your Bank of America routing number is to call or visit your bank. (You should retain a copy of your opt-out notice and evidence of mailing or delivery.) 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. Using the BMO cheque example, your routing number is 27601-001. 1. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. This 9-digit routing number is the format used for electronic payments and transfers. The daily limit on ATM cash withdrawal transactions for each Secondary Account is $100.00, which limit includes (i) the amount of the requested withdrawal(s); plus (ii) any fees imposed by us, Greenlight, or any ATM operator in connection with the requested withdrawal(s). Your Physical Card may not be used at an ATM for any other transactions, including specifically Card Account deposits or balance inquiries. 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. A two-character location code (letters and digits) for your . ROUTING & TRANSIT#:121145145 FOR THE CREDIT OF: (Recipient Account Name) CREDIT ACCOUNT #: (Recipient Account Number) BY ORDER OF: (NAME OF SENDER) Legacy Boston Private Consumer and Commercial Clients. Our goal is to stay positive or neutral. Greenlight Core Plan Services means all of the core account services offered to cardholders on the Greenlight application as further described in the Greenlight Terms of Service available in the Policy Center on the Greenlight website at www.greenlight.com. You must notify us to revoke permission for any person you previously authorized to use a Card. Further, any amounts you elect to transfer from your Card Account to your Invest Account will no longer be available in your Card Account unless funds are later transferred from your Invest Account to your Card Account as described above. Any other exception stated in our Agreement with you. In order to receive direct deposit value loads, the Primary Accountholder or Secondary Cardholder must provide the employer with the account number and routing number of the Secondary Account. How to find Greenlight card number ? Please read this Agreement carefully and keep it for future reference. The arbitrator is authorized to award all remedies permitted by the substantive law that would apply if the action were pending in court (including, without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts). Otherwise as necessary to fulfill our obligations under this Agreement. How do you use my personal information? For electronic fund transfers the routing number format is a leading zero, the . FOR THE AVOIDANCE OF DOUBT, THE INVEST ACCOUNT IS NOT MAINTAINED BY COMMUNITY FEDERAL SAVINGS BANK, AND ANY SECURITIES OR FUNDS IN THE INVEST ACCOUNT ARE NOT DEPOSITS OR OTHER OBLIGATIONS OF COMMUNITY FEDERAL SAVINGS BANK, ARE NOT GUARANTEED BY COMMUNITY FEDERAL SAVINGS BANK, AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION. 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. If you use your Physical Card at an automated fuel dispenser (pay at the pump), the merchant may preauthorize the transaction for an amount up to $100 or more. 89-16 Jamaica Avenue Woodhaven, New York 11421 718.847.6333 Your decision to opt out of this Arbitration Provision will not have any other effect on this Agreement and will not affect any other arbitration agreement between you and us, which will remain in full force and effect. Online banking portal: You'll be able to get your bank's routing number by logging into online banking. g. Location and Costs of Arbitration:Any arbitration hearing that you attend in person must take place at a location reasonably convenient to you, as determined by the arbitrator. You may use your Card to purchase or lease goods or services everywhere Mastercard debit cards are accepted as long as you do not exceed the value available on your Card Account. The maximum number of Secondary Accounts permitted is five (5). If you need more information about our error-resolution procedures, contact us at the telephone number or address shown below in Customer Service. Phone: (413) 664-4477 Fax: (413) 664-7916 VP/Branch Manager: Jean Noel Drive-Up Hours: Monday-Friday: 8:30am-5:00pm It includes a debit card, savings with APY, allowance for chores, financial literacy games, and even investing for kids. In the case of a Recurring Entry for a load amount from a Funding Account to the Primary Account that repeats on regular intervals, the ACH Authorizer will designate the Funding Account(s), the amount to be loaded, and the frequency (e.g., weekly or monthly) through the Greenlight application. We may also ask to see a copy of your drivers license or other identifying documents. Discover quick, simple and convenient way to take command of your bank account, on your mobile phone. 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. Funds may be added to your Primary Account, calledvalue loading, at any time, subject to the restrictions below. 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. Routing numbers have been in use since 1910, and are managed by the American . We will bear the expense of our attorneys, experts, and witnesses. . Routing Number for Community Bank NA (cbna.com) in NY,PA,VT and MA (for all transaction types) is 021307559. 122105278. More Resources. GREENLIGHT CORE Teach your kids smart money management. Sign up today for a one-month trial. You additionally authorize Community Federal Savings Bank to receive funds from DriveWealth for deposit into your Card Account. 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). Greenlight Max Plan Services means the Greenlight Core Plan Services, the Invest Account Services, and all of the additional services offered to Greenlight Max Plan cardholders as described in the Greenlight Terms of Service available in the Policy Center on the Greenlight website at www.greenlight.com. 1 Chase Mobile app is available for select mobile devices. The opt-out notice must be sent to us by mail at: Cardholder Services, 303 Peachtree Street NE, Suite 4300, Atlanta, GA 30308. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled Information About Your Right to Dispute Errors. Your Login ID is the last eight(8) digits of your billing account number and can be located on your billing statement as indicated below. This new Invest Account established for the Primary Accountholder will be in addition to any Invest Account(s) that have been established for a Secondary Cardholder; provided, however, that the Primary Accountholder will, in all cases, be the record owner of all Invest Accounts that are established for a Primary Accountholder or any related Secondary Cardholder, together with all Equities purchased for such Invest Account. An ABA routing number has nine digits. If your Physical Card is replaced with another Physical Card having a new PAN, then your Virtual Card will also be replaced with a new Virtual Card displaying the same new PAN. 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. Our business days are Monday through Friday, excluding federal holidays, even if we are open. 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. 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 can obtain information on how to load your Primary Account within the Greenlight application. Check Routing Number. *Greenlight Core and Greenlight + Invest families can earn monthly rewards of 1% per annum, Greenlight Max families can earn 2% per annum, and Greenlight Infinity families can earn 5% per annum on an average daily savings balance of up to $5,000 per family. SWIFT Code. 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. Plans start at $4.99 after the first month. Limitations on amounts that may be added to your Primary Account and associated fees may be found on the Fee Schedule table below. The platform includes Part 11 compliant review and approval workflows, fully integrated ISO 14971 Risk Management standards, and facilitates your team's ability to easily demonstrate compliance with both 21 CFR Part 820 and ISO 13485:2016. If you elect to switch to a more expensive Card Plan, the Card Plan features applicable to the new Card Plan will become effective on your Card Account on or before the next business day following such election, but your Card Account will not be assessed the applicable Monthly Fee for the more expensive Card Plan until your next monthly renewal date. DriveWealth means DriveWealth, LLC, an SEC registered broker-dealer and member of the Financial Industry Regulatory Authority, Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). 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. The kids' and teens' banking app with investing. 2 Account Alerts: There's no charge from Chase, but message and data rates . 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. By enrolling for these types of communications, you understand and agree to be responsible for any fees or charges you incur as a result of this enrollment. If you notify us to revoke another persons use of a Card, we may revoke that Card and issue a new Card with a different number. 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. The second series of numbers, usually 10-12 digits, is your account number. If you notify us within two (2) business days of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. SINCE COMMUNITY FEDERAL SAVINGS BANK IS NOT INVOLVED IN THE INVEST ACCOUNT SERVICES AND DOES NOT MONITOR DRIVEWEALTH, INCLUDING ITS FINANCIAL HEALTH AND REGULATORY COMPLIANCE, WE RECOMMEND THAT YOU PERFORM AND CONTINUE PERFORMING YOUR OWN DILIGENCE ON DRIVEWEALTH AND THE INVEST ACCOUNT SERVICES BEFORE DECIDING WHETHER TO ENGAGE AND TO CONTINUE ENGAGING IN THE INVEST ACCOUNT SERVICES. The Primary Accountholder hereby authorizes and instructs Community Federal Savings Bank to collect the investment advisory fee payable to Greenlight Advisors (if any) from the Monthly Fee and directs Community Federal Savings Bank to remit such $2.99 investment advisory fee directly to Greenlight Advisors on a monthly basis. Participation in the Invest Account Services is subject to approval by Greenlight Advisors and DriveWealth, and the required Invest Account Services agreements and disclosures are subject to change at any time. In many cases, these changes will involve adding new features and functionality to a particular Card Plan. The Primary Accountholder (and any Authorized Approver) is encouraged to use the Greenlight application to confirm when fund loads are available. If this occurs, then funds will generally be available within five (5) business days after the transfer. Primary Accountholdermeans the individual that opens and is responsible for the Primary Account and Secondary Account(s); the Primary Accountholder may assign certain responsibilities and obligations to a designee, including another parent or partner (the Authorized Approver), whenever specifically provided in this Agreement. SWIFT codes are between eight and 11 characters long and consist of: A four-letter bank code. 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. Your Card cannot be used to obtain cash directly from any bank or merchant. You can upgrade or downgrade your Card Plan at any time, but not more often than once each monthly billing cycle. If we decide that there was no error, we will send you a written explanation. You can get fast access to Green Dot Customer Care specialists by becoming a Green Dot VIP. The Card is not for resale. 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.

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