Common use of Card Account Access Clause in Contracts

Card Account Access. Subject to the limitations set forth in this Agreement, once your Card has been successfully activated and your identity verified, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us that can include: (1) add funds to your Card Account (see section below labeled “Adding Funds to Your Card Account”), (2) purchase goods or services wherever Visa debit cards are accepted (see section below labeled “Using Your Card for Purchases”), (3) withdraw cash from your Card Account (see section below labeled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (5) transfer funds between Card Accounts or from your Card Account to your bank account, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule above. Each time you use the Card, you authorize us to reduce the funds available in your Card Account by the amount of the purchase or withdrawal in addition to any applicable fees, costs or holdings. There is no credit line associated with your Card. This means that at the time of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, if you exceed the available balance you shall remain fully liable to us for the amount of the transactions and any applicable fees and charges, and you agree to pay us immediately on demand. We may deduct the negative balance owing from any current or future funds loaded to your Card Account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may, at our option, cancel your Card Account without notice. You can get a receipt at the time you initiate a transaction and you should retain the receipt to verify your transactions. Some merchants may not provide paper receipts for small dollar transactions.

Card Account Access. Subject to the limitations set forth in this Agreement, once your Card has been successfully activated and your identity verified, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us services that can include: (1) add receiving funds to on your Card Account that are added by AmeriHealth on your behalf (see section below labeled “Adding Funds to Your Card Account”), (2) purchase goods or services wherever Visa at participating merchants where MasterCard debit cards are accepted (see section below labeled “Using Your Card for Purchases”), (3) withdraw cash from your Card Account (see section below labeled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (5) transfer funds between Card Accounts or from your Card Account to your bank account, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. There may be fees restrictions associated with some of these transactions. For fee information, see the Fee Schedule above. Each time you use the Card, you authorize us to reduce the funds available in your Card Account by the amount of the purchase or withdrawal in addition to any applicable fees, costs or holdingsoffsets for negative balances. There is no credit line associated with your Card. This means that at the time of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, if you exceed the available balance you shall remain fully liable to us for the amount of the transactions and any applicable fees and charges, and you agree to pay us immediately on demand. We may deduct the negative balance owing from any current or future funds loaded to your Card Account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may, at our option, cancel your Card Account without notice. You can get a receipt at the time you initiate a transaction and you should retain the receipt to verify your transactions. Some merchants may not provide paper receipts for small dollar transactions.

Card Account Access. Subject to the limitations set forth in this Agreement, once your Card has been successfully activated and your identity verified, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us that can include: (1) add funds to your Card Account (see section below labeled “Adding Funds to Your Card Account”), (2) purchase goods or services wherever Visa MasterCard debit cards are accepted (see section below labeled “Using Your Card for Purchases”), (3) withdraw cash from your Card Account (see section below labeled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (5) transfer funds between Card Accounts or from your Card Account to your bank account, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule above. Each time you use the Card, you authorize us to reduce the funds available in your Card Account by the amount of the purchase or withdrawal in addition to any applicable fees, costs or holdings. There is no credit line associated with your Card. This means that at the time of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, if you exceed the available balance you shall remain fully liable to us for the amount of the transactions and any applicable fees and charges, and you agree to pay us immediately on demand. We may deduct the negative balance owing from any current or future funds loaded to your Card Account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may, at our option, cancel your Card Account without notice. You can get a receipt at the time you initiate a transaction and you should retain the receipt to verify your transactions. Some merchants may not provide paper receipts for small dollar transactions.

Card Account Access. Subject to the limitations set forth in this Agreement, once your Card has been successfully activated and your identity verified, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us that can include: (1) add funds to your Card Account (see section below labeled “Adding Funds to Your Card Account”), (2) purchase goods or services wherever Visa debit cards are accepted (see section below labeled “Using Your Card for Purchases”), (32) withdraw cash from your Card Account (see section below labeled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (53) transfer funds between Card Accounts or from your Card Account to your bank accountAccounts, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule above. Each time you use the Card, you authorize us to reduce the funds available in your Card Account by the amount of the purchase or withdrawal in addition to any applicable fees, costs or holdings. There is no credit line associated with your Card. This means that at the time of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, if you exceed the available balance you shall remain fully liable to us for the amount of the transactions and any applicable fees and charges, and you agree to pay us immediately on demand. We may deduct the negative balance owing from any current or future funds loaded to your Card Account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may, at our option, cancel your Card Account without notice. You can get a receipt at the time you initiate a transaction and you should retain the receipt to verify your transactions. Some merchants may not provide paper receipts for small dollar transactions.

Card Account Access. Subject to the limitations set forth in this Agreement, once your Card has been successfully activated and your identity verified, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us services that can include: (1) add receiving funds to on your Card Account that are added by PayForward’s Enterprise Partner on your behalf (see section below labeled “Adding Funds to Your Card Account”), (2) purchase goods or services wherever Visa debit cards are accepted (see section below labeled “Using Your Card for Purchases”), (3) withdraw cash from your Card Account (see section below labeled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (5) transfer funds between Card Accounts or from your Card Account to your bank account, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule above. Each time you use the Card, you authorize us to reduce the funds available in your Card Account by the amount of the purchase or withdrawal in addition to any applicable fees, costs or holdings. There is no credit line associated with your Card. This means that at the time of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, if you exceed the available balance you shall remain fully liable to us for the amount of the transactions and any applicable fees and charges, and you agree to pay us immediately on demand. We may deduct the negative balance owing from any current or future funds loaded to your Card Account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may, at our option, cancel your Card Account without notice. You can get a receipt at the time you initiate a transaction and you should retain the receipt to verify your transactions. Some merchants may not provide paper receipts for small dollar transactions.

Card Account Access. Subject to the limitations set forth in this Agreement, once your Card has been successfully activated and your identity verified, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us that can include: (1) add funds to your Card Account (see section below labeled “Adding Funds to Your Card Account”), (2) purchase goods or services wherever Visa debit cards are accepted (see section below labeled “Using Your Card for Purchases”), (3) withdraw cash from your Card Account (see section below labeled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (5) transfer funds between Card Accounts or from your Card Account to your bank account, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. If your card is an instant issue card as described above, your card may be used at merchants for PIN based purchases not requiring a signature. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule above. Each time you use the Card, you authorize us to reduce the funds available in your Card Account by the amount of the purchase or withdrawal in addition to any applicable fees, costs or holdings. There is no credit line associated with your Card. This means that at the time of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, if you exceed the available balance you shall remain fully liable to us for the amount of the transactions and any applicable fees and charges, and you agree to pay us immediately on demand. We may deduct the negative balance owing from any current or future funds loaded to your Card Account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may, at our option, cancel your Card Account without notice. You can get a receipt at the time you initiate a transaction and you should retain the receipt to verify your transactions. Some merchants may not provide paper receipts for small dollar transactions.

Card Account Access. Subject to the limitations set forth in this Agreement, once your Card has been successfully activated and your identity verified, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us services that can include: (1) add receiving funds to on your Card Account that are added by BlueCross on your behalf (see section below labeled “Adding Funds to Your Card Account”), (2) purchase goods or services wherever Visa at participating merchants where MasterCard debit cards are accepted (see section below labeled “Using Your Card for Purchases”), (3) withdraw cash from your Card Account (see section below labeled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (5) transfer funds between Card Accounts or from your Card Account to your bank account, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. There may be fees restrictions associated with some of these transactions. For fee information, see the Fee Schedule above. Each time you use the Card, you authorize us to reduce the funds available in your Card Account by the amount of the purchase or withdrawal in addition to any applicable fees, costs or holdingsoffsets for negative balances. There is no credit line associated with your Card. This means that at the time of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, if you exceed the available balance you shall remain fully liable to us for the amount of the transactions and any applicable fees and charges, and you agree to pay us immediately on demand. We may deduct the negative balance owing from any current or future funds loaded to your Card Account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may, at our option, cancel your Card Account without notice. You can get a receipt at the time you initiate a transaction and you should retain the receipt to verify your transactions. Some merchants may not provide paper receipts for small dollar transactions.

Card Account Access. Subject to the limitations set forth in this Agreement, once your Card has been successfully activated Agreement and your identity verifiedthe accompanying Fee Schedule, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us that can include: (1) add funds to your Card Account (see section as described in the Section below labeled entitled “Adding Funds (“Loading”) to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever Visa debit cards are accepted (see section below labeled “Using Your your Card for Purchases”)is accepted, (34) withdraw cash from your Card Account wherever the Mastercard brand mark is displayed and unload cash from your Card Account at any VoltCash retail location (see section as described in the Section below labeled entitled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (5) transfer funds between Card Accounts or from your Card Account to your bank account, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule aboveattached to this Agreement. Each time you Some of these services may not be available at all terminals. You may not use your Card for any online gambling, or any illegal transaction. You may not use your Card Number or the CardIssuer's routing number and your assigned Account Number in connection with the creation and/or negotiation of any financial instruments, you authorize us to reduce such as checks, which we have not authorized. You acknowledge and agree that the funds value available in your Card Account by the amount of the purchase for use or withdrawal in addition is limited to any applicable fees, costs or holdings. There is no credit line associated with your Card. This means that at the time of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, if you exceed the available balance you shall remain fully liable to us for the amount of the transactions and any applicable fees and charges, and you agree to pay us immediately on demand. We may deduct the negative balance owing from any current or future funds loaded to your Card Account minus any pending loads or pending authorizations, minus funds spent or withdrawn from the Card Account and minus any other account you activate or maintain with usand all applicable fees. If your Available Balance is insufficient to cover any transaction amount or any transaction fee(s) assessed or both, the transaction may be declined. If you use your Card Number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. Limitations on Frequency, Dollar Amounts of Transactions and Types of Merchants. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also prohibit using the Card for transactions with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time and restrict certain types of merchants in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $500 Purchases - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 Cash Unload at VoltCash Retail Location – Daily $1,000 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Limits* Maximum cumulative amount of all loads in any 24-hour period May not exceed $10,000 Maximum balance of Card Account has a zero at any time ("Maximum Balance") May not exceed $10,000 *We may increase or negative balance, decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we may, at our option, cancel reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account without noticeany time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the card at participating VoltCash approved retail locations. For a list of these locations please visit xxx.xxxxxxxx.xxx. You can get a receipt may also add funds to your Card Account by presenting cash and the Card at participating locations in the time you initiate a transaction Mastercard rePower® network or at participating GreenDot reload network locations (see xxxxx://xxx.Xxxxxxxxxx.xx/en-us/consumers/get-support/reload-a-prepaid-card.html for participating merchant locations). For GreenDot reload network locations (see xxxxx://xxx.xxxxxxxxxxxxx.xxx/locations for participating merchant locations). Cash load services and you should retain the receipt products are provided by third parties. Even though we may allow use of load services to verify add money to your transactions. Some merchants may Card Account, we do not provide paper receipts these services and are not responsible for small dollar transactionsany service issues that arise with them, except as otherwise stated in this Agreement. Using a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16- digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.

Card Account Access. Subject to the limitations set forth in this Agreement, once your Card has been successfully activated and your identity verified, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us services that can include: (1) add receiving funds to on your Card Account that are added by HMSA on your behalf (see section below labeled “Adding Funds to Your Card Account”), (2) purchase goods or services wherever Visa at participating merchants where MasterCard debit cards are accepted (see section below labeled “Using Your Card for Purchases”), (3) withdraw cash from your Card Account (see section below labeled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (5) transfer funds between Card Accounts or from your Card Account to your bank account, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. There may be fees restrictions associated with some of these transactions. For fee information, see the Fee Schedule above. Each time you use the Card, you authorize us to reduce the funds available in your Card Account by the amount of the purchase or withdrawal in addition to any applicable fees, costs or holdingsoffsets for negative balances. There is no credit line associated with your Card. This means that at the time of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, if you exceed the available balance you shall remain fully liable to us for the amount of the transactions and any applicable fees and charges, and you agree to pay us immediately on demand. We may deduct the negative balance owing from any current or future funds loaded to your Card Account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may, at our option, cancel your Card Account without notice. You can get a receipt at the time you initiate a transaction and you should retain the receipt to verify your transactions. Some merchants may not provide paper receipts for small dollar transactions.

Card Account Access. Subject to the limitations set forth in this Agreement, once your Card has been successfully activated and your identity verified, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us services that can include: (1) add receiving funds to on your Card Account that are added by PayForward’s Enterprise Partner on your behalf (see section below labeled “Adding Funds to Your Card Account”), (2) purchase goods or services wherever Visa debit cards are accepted (see section below labeled “Using Your Card for Purchases”), (3) withdraw cash from your Card Account (see section below labeled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (5) transfer funds between Card Accounts or from your Card Account to your bank account, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule above. Each time you use the Card, you authorize us to reduce the funds available in your Card Account by the amount of the purchase or withdrawal in addition to any applicable fees, costs or holdings. There is no credit line associated with your Card. This means that at the time of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, if you exceed the available balance you shall remain fully liable to us for the amount of the transactions and any applicable fees and charges, and you agree to pay us immediately on demand. We may deduct the negative balance owing from any current or future funds loaded to your Card Account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may, at our option, cancel your Card Account without notice. You can get a receipt at the time you initiate a transaction and you should retain the receipt to verify your transactions. Some merchants may not provide paper receipts for small dollar transactions.

Card Account Access. Subject to the limitations set forth in this Agreement, once your Card has been successfully activated and your identity verified, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us services that can include: (1) add receiving funds to on your Card Account that are added by Braven on your behalf (see section below labeled “Adding Funds to Your Card Account”), (2) purchase goods or services wherever Visa at participating merchants where MasterCard debit cards are accepted (see section below labeled “Using Your Card for Purchases”), (3) withdraw cash from your Card Account (see section below labeled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (5) transfer funds between Card Accounts or from your Card Account to your bank account, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. There may be fees restrictions associated with some of these transactions. For fee information, see the Fee Schedule above. Each time you use the Card, you authorize us to reduce the funds available in your Card Account by the amount of the purchase or withdrawal in addition to any applicable fees, costs or holdingsoffsets for negative balances. There is no credit line associated with your Card. This means that at the time of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, if you exceed the available balance you shall remain fully liable to us for the amount of the transactions and any applicable fees and charges, and you agree to pay us immediately on demand. We may deduct the negative balance owing from any current or future funds loaded to your Card Account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may, at our option, cancel your Card Account without notice. You can get a receipt at the time you initiate a transaction and you should retain the receipt to verify your transactions. Some merchants may not provide paper receipts for small dollar transactions.

Card Account Access. Subject to the limitations set forth in this Agreement, once your Card has been successfully activated and your identity verified, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us services that can include: (1) add receiving funds to on your Card Account that are added by Primewell on your behalf (see section below labeled “Adding Funds to Your Card Account”), (2) purchase goods or services wherever Visa at participating merchants where MasterCard debit cards are accepted (see section below labeled “Using Your Card for Purchases”), (3) withdraw cash from your Card Account (see section below labeled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (5) transfer funds between Card Accounts or from your Card Account to your bank account, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. There may be fees restrictions associated with some of these transactions. For fee information, see the Fee Schedule above. Each time you use the Card, you authorize us to reduce the funds available in your Card Account by the amount of the purchase or withdrawal in addition to any applicable fees, costs or holdingsoffsets for negative balances. There is no credit line associated with your Card. This means that at the time of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, if you exceed the available balance you shall remain fully liable to us for the amount of the transactions and any applicable fees and charges, and you agree to pay us immediately on demand. We may deduct the negative balance owing from any current or future funds loaded to your Card Account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may, at our option, cancel your Card Account without notice. You can get a receipt at the time you initiate a transaction and you should retain the receipt to verify your transactions. Some merchants may not provide paper receipts for small dollar transactions.