This Cardholder Agr eement ('Agreement') outlines the terms and conditions under which the AchieveCard Prepaid MasterCard has been issued to you. By activating and using the Card, you agree to be bound by the terms and conditions contained in this Agreement. “Card” means the AchieveCard Prepa id MasterCard issued to you by First California Bank, Ranc ho Mirage, California. 'Issuer' means First California Bank or its deposit ory institution affiliate. Issuer is a bank chartered under the laws of the State of California and a member of the Federal Deposit Insurance Corporation (“FDIC ”). 'Card A ccount' means the records we maintain to account for the value of claims associated with the Card. 'Y ou' and 'your' means the person (“Cardholder”) who has received the Card and is authorized by the Issuer to use the Card as provided for in this Agreement. 'We,' 'us,' and 'our' mean the Issuer, our successors, affiliates or assignees. Y ou acknowledge and agree that the value available in your Card Account is limited to the funds that you have loaded to your Card Account or have been loaded to your Card Account on your behalf. All funds in your Card Account are insured by the FDIC in acco rdance with the FDIC’s applicable terms and conditions. Y ou agree to sign the back of the Card immediately upon receipt. The expiration date of the Card is identified on the front of your Card. The Card is a prepaid card. The Card is not connected in any way to any other account. The Card is not for resale. ![]() Register Your Card. Register your card to easily check your balance, update account information and manage emails and SMS preferences. Register Your Card Terms of Service Privacy Policy. ![]() You will not receive any interest on your funds in your Card Account. The Card is and will at all times remain th e property of the Issuer and must be surrendered upon demand. The Card is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. The Card is not designed for business use, and we may close your Card if we determine that it is being used for business purposes. We may refuse to process any transaction that we believe may violate the terms of this Agreement. Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to “days” found in this Agreement are calendar days unless indicated otherwise. Write down your Card number and the customer service phone number provided in this Agreement on a separate piece of paper in case your Card is lost, stolen, or destroyed. P lease read this Agr eement carefully and keep it for future reference. All dollar amounts stated herein are in U.S. Dollars (“dollars”) unless expressly stated otherwise. Y ou may have received this Card as part of an unsolicited offer from us or one of our m arketing or service providers, by completing a request to receive a Card online, or through an invitation to receive a Card from us or from one of our marketing or service providers. Y ou may have also received this Card as a replacement to an expired Card or at your request as a replacement for a lost or stolen Card. If you have any questions or concerns as to why you received this Card, o r to opt-out of receiving a Card or any future offers from us, please call us at 1-800-206-2956. Y ou may be asked to enter your Card number. By providing your Card number d uring the opt-out process, you are not activating the Card or providing us with any information that will be used for any purpose other than to remove you from our mailing list. If you do not wish to activate or retain this Card, please destroy and dis pose of the Card immediately by cutting it in half. This Card is a prepaid card, not a credit card. The Card is not active and there is no value on the Card until or unless yo u load funds to the Card Acc ount or until or unless funds are loaded to the Card A ccount on your behalf. No credit information was pulled or accessed from any credit bureau or c redit reporting agency in connection with your rec eipt of this Card. For your safety and the safety of your personal information, we only collect personal information to identify you if you choose to activate the Card in compliance with applicable law (please refer to the section of this Agreement titled “Activating Your Card” for more information). Y ou must activate your Card before it can be used. ![]() You may activate your Card by calling 1-800-206-2956 or by visiting. Y ou will need to provide personal information in order to verify your identity. The Bank Secrecy Act, as amended by the USA Patriot Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you activate a Card Account, we will ask for your name, address, date of birth, and o ther information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time. Please refer to the section of this A greement titled “First California Bank Privacy Policy” for information regarding how we may use information that we collect from you. By activating the Card or by retaining, using, or a uthorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or 19 if you reside in a state where the age of majority is 19); (ii) you are a U.S. Citizen or legal alien residing in one of the 50 states, the District of Columbia or Puerto Rico; (iii) you have provided us with a verifiable U.S. Street mailing address (not a P.O. Box); (iv) the personal information that you p rovide to us in connection with the Card is t rue, correct, and complete; (v) you received a copy of this Agreement and agree to be bound by and t o comply with its terms; and (vi) you accept the Card. Y ou will be assigned a Personal Identification Number ('PIN') when you activate your Card Account, which you can change by calling1-800-486-0273. Y ou should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in thesection of this Agreement titled “Your Responsibility and Liability for Unauthorized Transactions'. Y ou may add funds to your Card, called 'value loading', at any time subject to the following limitations. When using direct deposit to initially fund your Card, the minimum amount and maximum amount of each initial value load is $0.01 and $10,000, respectively. When using direct deposit to add value to your Card, the minimum amount and maximum amount of each value reloa d is $0.01 and $10,000, respectively. When using direct deposit, the maximum number of times you may load your card per mont h is twenty (20) and the sum of all your loads in a given month may not exceed $15,000 per month. The maximum balance in your Card Account cannot exceed ten thous and dollars ($10,000.00) at any point in time. Any load may be rejected in whole or in part at any time at our discretion if the amount of such load may cause the maximum balance in your Card Account to exceed ten thousand dollars ($1 0,000.00) at any point in time. Y ou will typically have access to funds loaded to your Card Account via direct deposit on the same day received by us which is the effective date for such direct deposit. Y ou should check with your payroll or benefits provider to determine the effective date for any direct deposit you have instructed your payroll or benefits provider to load to your Card. We may increase or decrease these 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 at our sole discretion. The Card may only be reloaded by the Cardholder. Y ou may load your Card with cash via a GreenDot® MoneyPak®. For details on how to load your Card, how much you can load to your Card, and the limits on how much you can load to your Card using the GreenDot. T o initiate direct deposits to your Card Account, you may use the direct deposit form available at or that was included in the AchieveCard packa ge mailed to you. Y our employer may also have a form you can use. The bank routing number and direct deposit account number are for the purpose of initiating direct deposits to your prepaid Card Account only. You are not authorized to provide your bank routing number and direct deposit account number to anyone other than your employer, benefits provider or payer and merchants to whom you have preauthorized for direct debits. If you have arranged to have direct deposits made to your account at least once every 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. Y ou may also call us at 1-800-486-0273 to find out whether or not your direct deposit has been made. • If you use Online Banking or Mobile Banking (including the mobile app), you can activate your debit card immediately when it arrives. Simply log in, go to Customer Service / Self Service, and find the option for debit card activation. • If you don't use Online Banking or Mobile Banking, you can activate your debit card after your PIN arrives by doing one of the following: • Make a deposit or withdrawal at any U.S. • Call us toll free at 800.236.3838. • Bring your debit card to any U.S. Bank branch, and ask a banker to activate it for you. Also, consider enrolling in once your PIN arrives. It’s free, secure, and lets you bank when and where it's convenient for you.
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