View Terms

View Terms
This Cardholder Agreement (“Agreement”) is the terms and conditions governing our issuance and your use of your Four Corners Community Bank Restricted Access Network Gift Card(“Card”). Keep this document for future reference. In this Agreement, “you” and “your”
mean any person who received the Card or is authorized to use it as provided for in this Agreement. If there is more than one of you, you are each jointly and severally liable for all obligations, regardless of which of you uses the Card or benefits from that use. “We, “us” and
“our” mean Four Corners Community Bank. By activating the Card, signing the back of the Card, using the Card, or allowing someone else to use the Card means you accept and agree to be bound by the terms and conditions contained in this Agreement.
1. Card Description. The Card is not a credit card and does not directly access any credit or deposit account. No interest will be paid on funds loaded to the Card. Your Card is not for re-sale. This card can be used only at authorized merchants designated by Caesars
Operating Company that accepts MasterCard.
2. Expiration of Card. FUNDS DO NOT EXPIRE. The plastic card will be unusable after the “valid thru” date stated on the Card. The “valid thru” date is not an expiration date on the Card funds. The amount remaining on the Card will be available until the amount reaches zero.
The Card funds will be temporarily unavailable after the “valid thru” date until you obtain a free replacement Card. You may present and exchange the unusable card at no charge for a replacement Card, which will be activated in the amount remaining on the Card at
the time of the exchange. Replacements may take up to 30 days to process. For inquiries about exchanging an unusable card, call 1-800-856-6929.
3. Value of Your Card. Your Card's value is limited to the dollar amount of the initial load to the Card. The prepaid value is not an account and is not insured by the Federal Deposit Insurance Corporation or any other federal or state agency.
4. Using your Card. Your card will be issued to you active and loaded, it is available for immediate use at participating merchants.The Card is a non-reloadable, prepaid debit card which is loaded with an amount in U.S. Dollars, and does not allow for ATM access.
The Card is not linked to or issued in connection with any deposit account established in your name with us and does not create any such account with us.You can use the Card as often as you like, provided that you do not exceed the value stored on the Card. We may restrict
the use of your Card if we notice excessive use of your Card or other suspicions activities. Access may be reinstated once we have notified you and rectified any issues. You authorize us to pay all transactions initiated with the Card and to debit the total amount of such
transactions from the value of the Card. You agree that the use of the Card with any merchant, whether or not you have signed any sales or debit authorization, will constitute a simultaneous withdrawal from and/or demand upon the value of the Card. You cannot “stop
payment” on any transaction after it has been completed. The Card cannot be used: (1) to obtain cash, except in the event of its cancellation, as described in this Agreement; (2) for gambling or any unlawful activity, or (3) to make regular, preauthorized payments to third
parties. We are not liable for declining an authorization for any particular transaction, regardless of our reason. Card can be used only at authorized merchants designated by Caesars Operating Company that accept MasterCard cards.
5. Payment. Each time the Card is used the value of the Card will decrease by the amount of the transaction. After the amount available on your Card has been exhausted, all transactions will be declined. You agree not to use the Card for transactions in excess of the funds
remaining on the Card. If a transaction causes you to exceed that limit (a “Negative Balance”), you shall remain fully responsible for and agree to immediately pay us the amount of any Negative Balance. If you do not pay us the Negative Balance, we may report the unpaid
amount to consumer reporting agencies. We may also exercise our right to setoff against any account you have with us.
6. Customer Service; Contact Information; Balance and Transaction Inquiries; Error Resolution. You are responsible for keeping track of the available balance on your Card. Merchants generally will not be able to determine the available balance on your Card, so you need to
know the exact balance BEFORE making a purchase. You can call customer service for balance and all other inquiries toll free, 24 hours a day, 7 days a week at 1-800-856-6929, or write to Cardholder Services, 1301 Reverfront Parkway, Suite 112, Chattanooga, TN 30402.
7.Fees and Charges. We encourage you to use your Card immediately. There are no fees when using the Card to purchase goods and services within the U.S. You have unlimited free access to balance and transaction information via phone at 1-800-856-6929.
The following fees may apply and will be deducted from the available balance on the Card, except where prohibited or modified by applicable law:
MONTHLY CARD FEE: Unless prohibited by law, a $3.00 fee will be deducted monthly from card balance starting on the first day after a one-year period of inactivity. Activity means any action resulting in an increase or decrease in the card balance, other than the
imposition of a fee, or an adjustment due to an error or reversal of a prior transaction.
CARD REPLACEMENT FEE: If a replacement Card is issued for a lost, stolen or damaged card, a $5.00 Replacement Card Fee may be charged directly to the Cardholder.
EMERGENCY CARD REPLACEMENT FEE: A $20.00 fee will be charged to your Card for delivery or any replacement Card using a method other than standard mail.
8. Loss, Theft, or Unauthorized Use. Write down the Card number and Customer Service number on a separate piece of paper in case the Card is lost, stolen or destroyed. You are responsible for all charges made by anyone you allow to use your Card, even if they charge more
than you intended. If you ask us to issue a Card to someone, you are responsible for their use of it until you return it to us. We may consider use of the Card by members of your immediate family as authorized by you and your responsibility. If unauthorized use of your Card
occurs, you agree to cooperate with us and law enforcement authorities in identifying the unauthorized user. Applicable law and our “zero liability” policy (both of which are more fully described herein) may protect you from liability for unauthorized transactions. You
understand that your Card is not a credit card and is not protected by laws covering credit cards, such as the federal Truth in Lending Act. TELL US AT ONCE IF YOU BELIEVE YOUR CARD HAS BEEN LOST OR STOLEN. TELEPHONING IS THE BEST WAY TO KEEP YOUR POSSIBLE
LOSSES DOWN. YOU COULD LOSE ALL THE MONEY ON YOUR CARD. If you tell us within 2 business days after you learn of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. For purposes of these disclosures,
our business days are Monday through Friday, not including all federal holidays. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if
you had told us, you could lose as much as $500. Also, if a statement shows transactions that you did not make including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was made available to you online
(or mailed to you in the case of paper statements), 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. If a good reason (such as a long trip or hospital stay) kept
you from telling us, we will extend the time periods.
9. Error Resolution Procedure. In Case of Errors or Questions About Your Card, contact us as soon as you can, if you think an error has occurred on your Card. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account,
if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us or writing us. You will need to tell us: (i) your name and the Card
number; (ii) why you believe there is an error, and the dollar amount involved; and (iii) approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. If we ask you to put your
complaint or question in writing and we do not receive it within 10 business days, we may not credit your Card. For errors involving new Cards, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new
Cards, we may take up to 20 business days to credit your Card for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may
ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us.
10. Failure to Complete Transactions. If we do not complete a transaction arising from the use of your Card on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, we will not be liable if: (a) through no
fault of ours, you do not have enough money on your Card to cover a transaction, (b) the terminal or system was not working properly and you knew about the breakdown when you started the transfer, (c) circumstances beyond our control prevent the transaction, despite
reasonable precautions that we have taken, and (d) there may be other exceptions stated in our agreement with you.
11. 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 either a transaction you make or 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, information may be released to attorneys, accounts, 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. You authorize us to make such credit, employment and investigative
inquiries, as we deem appropriate in connection with the issuance and use of the Card. We can furnish information concerning the Card or credit file to consumer reporting agencies and others who may properly receive that information.
12. Revocation of Card and Unclaimed Funds. The Card is our property and we may revoke the Card at any time with or without cause or notice, unless otherwise required by law. You must surrender a revoked Card and you agree that the Card may not be used after is has
been revoked. If any funds remain on the Card upon revocation, please contact us to request a refund of the remaining value of the Card, less any applicable fees. Any refund will be sent to you at the address you provide to us. Upon the expiration of any applicable
escheatment period, any unused balance of the Card will be handled according to applicable unclaimed property laws.
13. Amendments. We may amend or change the terms and conditions of this Agreement, including fees, at any time. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for
security purposes, we can implement such change without prior notice. Changed terms will apply to the outstanding balance of your Card as well as to any transactions after the date of the change. In any event, use of your Card after the date of the change will confirm that
you agree to the change. Amendments required by a bank regulatory authority will be effective according to the applicable regulation without further notice.
14. Transfers. We may transfer all or part of your Card balance, along with our rights under this Agreement, to another person or entity. That person or entity will then be entitled to enforce our rights under this Agreement. You may not transfer your rights or obligations
under this Agreement or the Card balance, except through regular use of the Card.
15. Governing Law. To the extent federal law is not applicable, this Agreement and your Card will be governed by New Mexico state law regardless of where you reside. You agree that all terms of this Agreement are material to the determination of interest.
Instructions on using your card:
No PIN Usage. To pay at participating merchants that accept MasterCard debit cards, you should use it as you would a credit card, by selecting the “credit” payment option and signing the sale receipt. Although your Card is a debit card, it will not work with debit
payment systems that require a personal identification number (PIN).
Combining Forms of Payment and Split Tender Transactions. If you wish to use your Card to purchase an item for more than the available balance on the Card, subject to the merchant's policy, you may be able to use your Card toward a portion of the purchase price and then
use another form of payment to pay the balance of the purchase price. This is called a “split tender” transaction because you would be “splitting” the purchase price between your Card and another form of payment. Before you request a “split tender” transaction, please call
Customer Service at 1-800-856-6929 to confirm the available balance on your Card. Then, you MUST ask the merchant if two forms of payment will be accepted for the purchase you wish to make. If the merchant agrees, first request that the merchant debit or charge a
specific dollar amount on your Card (i.e., the available balance on your Card), and then use your other form of payment to pay the remaining balance. Some retailers, particularly department stores, will only allow a “split tender” transaction if the second form of payment is cash
or check. Internet and most mail order merchants do not permit “split tender” transactions. We do not guarantee that the merchant will accept two forms of payment, such as two gift cards.
Use at Restaurants, Hotels, and Similar Merchants. When using your Card at a merchant where a tip may be included (such as at a restaurant) or at a merchant in the travel business (for example, a hotel, car rental agency, or cruise line),
your transaction may be pre-authorized for an additional amount above the initial transaction amount. This pre-authorization process is referred to as an “authorization request.” Because the authorization request may have been
processed for an amount higher than the initial transaction amount, if you have an insufficient available balance on your Card to cover the authorization request, your Card may be declined. If you have a sufficient available balance on
your Card to cover the authorization request, it may result in a “hold” on your available balance for the amount of the authorization request. The final amount charged to your account will not exceed the final transaction amount. Once
the merchant sends us the final transaction amount, we will remove the “hold” on your available balance for any additional amount exceeding the final transaction amount. This may take 3 to 7 days and during this period you will not
be able to use any balance subject to “hold.”
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