| Candidate Information | | Title | Order Picker Truck Loader, reach truck | | Target Location | US-TN-Memphis | | Phone | Available with paid plan |
| | 20,000+ Fresh Resumes Monthly | |
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Click here or scroll down to respond to this candidatePHONE NUMBER AVAILABLETHE U.S. BANK FOCUS CARD CARDHOLDER AGREEMENTTERMS AND CONDITIONS FOR THE U.S. BANK FOCUS CARDBy activating, accepting and/or using the U.S. Bank Focus Card (Card), you agree to be bound by the terms and conditions contained in this Focus Card Cardholder Agreement as well as the Fee Schedule and Transaction Limitations, incorporated herein by reference (collectively the Agreement), which will govern your use of your Card and your Account. Your Card is a reloadable Visa branded prepaid debit card issued by U.S. Bank National Association (U.S. Bank), and your Card accesses your U.S. Bank Focus Card account (Account). You and your means the person(s) who received the Card from U.S. Bank and are authorized to use the Card and Account as provided for in this Agreement. We, us, and our mean U.S. Bank, our successors, affiliates or assigns. Funder means an organization providing an actual dollar value, or funds, to your Card. The Sponsor is the employer that originally offered you the Card and Account. Please read this Agreement carefully and keep it for future reference. The laws of the state of Ohio govern the interpretation of this Agreement, without giving effect to conflict of law principles thereof that may cause the law of another state to apply. Your Card and Account are not connected in any way to any other account. You will not receive any interest on the funds in your Account. The Card is not a credit card. The Card is not for resale. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. We may refuse to process any transaction that we believe may violate the terms of this Agreement or applicable law. Funds in the Account are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum allowed by law for the benefit of the named cardholder. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION (INCLUDING A CLASS ACTION ARBITRATION WAIVER). IT IS IMPORTANT THAT YOU READ THE ARBITRATION SECTION CAREFULLY. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the government 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 an account. What this means for you: When you open an account, we may ask for your name, address, date of birth and other information that will allow us to identify you. If necessary, we may also ask to see your drivers license or other identifying documents. HOW TO USE YOUR CARD1. Activating Your Card; PIN Selection. You can activate your Card by calling us at PHONE NUMBER AVAILABLE (we accept relay calls) or online at www.usbankfocus.com. During the activation process, you will select a Personal Identification Number (PIN), which you may use to conduct certain transactions, such as point of sale transactions or ATM transactions. The Card and PIN are provided for your use and protection, and you agree to make sure only you know your PIN do not write your PIN on your Card or tell anyone and to notify us immediately if your PIN has been compromised. 2. Using Your Card. You are able to use your Card and Account to conduct the types of transactions described in this Agreement:A. Paying for goods or services, with or without cash back, at stores and businesses that have agreed to accept the Card(point-of-sale transactions);B. Performing transactions at automated teller machines (ATMs); C. Transferring funds to or from another Focus Card registered through your Sponsor; D. Obtaining a ChekToday Convenience Check; andE. Obtaining cash at the teller window from any bank or credit union that accepts the network brand on your Card. Fees and transaction limits may apply. Not all transaction types are available for all programs. See Card Fees and Transaction Limits for more details on the transactions available for your program. 3. Loading Your CardA. Loads from Your Sponsor. Your Sponsor may deposit money (load value) onto your Card at any time. Monies deposited into the Account are available for your use in accordance with this Agreement. B. Other Loads: Maximum Balance. Depending on your program, you may be able to make cash deposits through participating reload networks, receive automated clearing house (ACH) direct deposits from sources other than your Sponsor, and deposit checks through a third-party remote deposit capture service. If these options are available on your Account you will receive information on available reload methods with your Card materials. If your program permits loads from sources other than your Sponsor, you will be required to take additional steps to verify your identity before these services may be accessed. At our discretion, we may allow a load in excess of the Maximum Card Balance limit shown in Transaction Limits. If such a load is permitted to post to your Account on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limits will be permitted in the future. All checks and money orders mailed or directly sent to us will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be used to satisfy the negative balance at our discretion.i. Cash Reloads. Please note that if you reload your Card at reload networks, those networks may charge a fee and/or set load limits that are lower than what we set. Terms as to what source (i.e., cash, check, or other) can be used to deposit to the Account may be defined by each reload network. Generally, funds deposited through reload networks should be available no later than the next business day, but timing and availability of deposits through reload networks depends on the reload network completing the transaction. ii. Check Reloads. If permitted by your program, you may load additional funds to your Card via a third-party remote deposit capture service. This third-party service requires that you accept the service providers terms and conditions, including fees, and download the service providers mobile app. Generally, funds deposited through reload networks should be available no later than the next business day, but timing and availability of deposits through reload networks depends on the reload network completing the transaction. iii. Limits on Loads. In addition to the limitations in the Transaction Limitations section, the transaction limitations below apply to loads. Please note, for this purpose a day is a rolling 24-hour period. Maximum Load amount by ACH--$5,000 per load, 5 loads per day, not more than $20,000 per day Maximum Load amount by Cash Reload--3 loads per day, not more than $950 per day Maximum Load amount by Check Reload Service (Ingo)--$10,000 per load, 10 loads per day, not more than$20,000 per dayAll loads to your Card count toward the Maximum Daily Credit limit shown in the Transaction Limits. Third-party providers may set lower limits.4. Transfers.A. Card to Card. If your program permits, you may transfer available funds from your Card to another Focus Card also registered by or through your Sponsor, and you may receive funds from another Focus cardholder whose Card was registered by or through your Sponsor. Funds transferred are available the same business day the transfer is completed. Visit www.usbankfocus. com or call Cardholder Services at 877-474-0010 to confirm availability of this service. In addition to the limitations in the Transaction Limitations section, the following transaction limitations apply: Maximum Transfer Amount from another Card--$2,500 per transfer, 2 times per day, not more than $5,000 per day Maximum Transfer Amount to another Card--$10,000, 2 times per day, not more than$20,000 per dayTransfers to your Card also count toward the Maximum Daily Credit limit shown in Transaction Limits. Transfers from your Card count toward the Maximum Daily Debits limit. B. Savings Account. You may open a Savings Account linked to your Card. Use of the Savings Account and any restrictions on transfers from the Savings Account to your Card are governed by the Terms and Conditions for Savings Account. Funds transferred to your Card from the Savings Account are available the same business day the transfer is completed.5. ChekToday Convenience Checks. If available for your program, you may request and use a ChekToday Convenience Check (Check) to access the funds in your Account. Visit www.usbankfocus. com or call Cardholder Services at PHONE NUMBER AVAILABLE to confirm availability of this service. Use of this service is limited to Checks payable to you for the full balance of your Account. Checks may not be endorsed to a third party or authorized for payment to a third party. Checks are not valid unless they are authorized. Checks that are not authorized will be rejected and returned unpaid. Once a Check is authorized, funds to pay the Check will be placed on hold. To place a stop payment on a Check or for further information about how to authorize a Check, contact Cardholder Services at PHONE NUMBER AVAILABLE 6. Holds Upon Authorization. Transactions with some merchants - restaurants, car rental agencies, hotels, salons, mail- order companies, cruise lines and pay-at-the-pump gas stations, for example - will authorize in an amount greater than your purchase. If you do not have available funds in the amount requested in the authorization, then your transaction will be declined. If the transaction is authorized, funds in the authorized amount will be held and will not be available for other purchases. The authorized amount will be held until the transaction posts to your Account. Transaction posting can generally take up to 10 days, except for certain travel and lodging related authorizations that can take up to 21 days. In some cases, the authorization amount will be held even if you do not complete your transaction. 7. Split Transactions; Rescinded Transactions; Failure to Honor A. If you do not have enough money in your Account to complete a particular transaction, you may split your purchases between your Card and another form of payment. Tell the cashier how much you want to pay first with your Card. If you do not know your exact balance, please call customer service at PHONE NUMBER AVAILABLE to verify your balance prior to attempting to make a purchase. Please note, not all merchants permit this type of split transaction. B. If you authorize a purchase but do not make the purchase as planned, the authorized amount will be held until the authorization expires or the merchant releases the hold, which may take up to seven days. C. Neither we nor any other bank or business will be liable to you for failure to accept or honor the Card. 8. No ACH Payment/Transfer. Do not attempt to make an ACH payment/transfer out of your Account using the underlying Account number of your Card (depending on your program, this number may be printed in your Card materials, but is separate from the Card number which you use to make ordinary Card purchases). If you do so, we may close your Card and Account. The underlying Account number is to be used only to enable ACH direct deposits into your Account from your Funder.9. Returns and Refunds. If you authorize a purchase of goods or services, and there is a problem or dispute with the purchase, you must address it directly with the merchant involved. Refunds and returns are subject to the merchants policies or applicable laws. 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 in place of cash. 10. Payment. Each time you use your Card, the amount of the transaction will be debited from your Account. You may not be allowed to exceed the balance available in your Account by any individual or series of purchases. Nevertheless, if you make a purchase that exceeds the balance in your Account (an overdraft), you will be fully responsible for the amount of your purchase that exceeded the balance in your Account. We also reserve the right to automatically debit such overdrafts from current or future money deposited to your Account or any other account you have with us. In such case, you agree to be responsible for payment to us for all overdrafts. 11. Using Your Card in a Foreign Country. You may use your Card for retail purchases at foreign (outside the United States) merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Visa logo. Some merchant and ATM transactions, even if you and/ or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable Visa rules, in which case we will add the foreign fee described below to those transactions. We do not control how these merchants, ATMs and transactions are classified for this purpose. The exchange rate in effect when the transaction is processed may differ from the rate in effect on the date of the transaction or the date of the posting of the transaction to your Account. If you use your Card at a merchant or an ATM that bears the Visa logo (and no PLUS System logo), the transaction will be processed through the Visa system and will be converted into U.S. Dollars according to the applicable rules established by Visa from time to time. For transactions processed through Visa, the foreign currency transaction will be converted to U.S. Dollars by multiplying the amount of the foreign currency times (a) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or (b) the government-mandated rate in effect for the applicable central processing date. If you use your Card at an ATM that bears only the PLUS System logo (and no Visa logo), the transaction will be processed through the PLUS System and will be converted into U.S. Dollars at the exchange rate established, from time to time, by the operator of that ATM. If you use your Card at an ATM that bears both the Visa and PLUS System logos, the ATM operator will determine whether to send your transaction over the Visa or PLUS System network using such networks respective currency conversion rules then in effect (as explained above). We may assess a foreign fee, calculated as a percentage of your transaction amount. The percentage, if any, is listed on the Fee Schedule. We may assess the foreign fee on all foreign transactions, even in transactions that do not require currency to be converted. 12. Network Rules; Lawful Purpose. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. Your Card may not be used for any unlawful purpose. You agree that you will not use your Card for illegal internet-gambling or any transaction that is illegal under applicable law, or not permitted by network rules.13. Use by Others; Secondary CardA. The person to whom the Card and Account was first issued is the Primary Account Holder. The Primary Account Holder is at all times liable and responsible for all transactions, fees, and other activity with respect to the Card, Account and any Secondary Card (as defined below). Except by requesting a Secondary Card (as described below), you may not permit another person to have access to your Card or Account. If you do provide access to your Card or Account to another person, you are liable for all transactions and fees incurred by such person. You must notify us in writing to revoke permission for any person you previously authorized to use or access your Card or Account. B. If your program permits an additional Card to be issued to access your Account (a Secondary Card), the Primary Account Holder may request we issue a Secondary Card to a trusted person who is 13 years of age or older (theSecondary Cardholder). We reserve the right to refuse any Secondary Card request. The Primary Account Holder is at all times liable and responsible for all transactions, fees, and other activity with respect to the Secondary Card. The holder of the Secondary Card may report that Card as lost or stolen. The Secondary Cardholder may not request additional Cards to access the Account, but in other respects may have the same ability as the Primary Account Holder to access information or make decisions regarding the Card or Account. We reserve the right to require the Primary Account Holder to make or approve particular decisions in our discretion. If you wish to terminate the authority of the Secondary Cardholder, you must call us at 877-474-0010 to request revocation of the Secondary Cardholders access to your Account. The Primary Account Holder will continue to be liable for all transactions, fees and other activity resulting from continued use of the Secondary Card unless you request that we cancel all of your Cards and issue a replacement Card for you. A fee for Card replacement may apply. See the Fee Schedule for details. Terminating the Secondary Card may require that we cancel all your Cards. As with all card cancellations, you will not have access to your Account until a replacement Card is received and activated by you. To the extent permitted by law, you are also liable and responsible for all costs and expenses, including attorneys fees, that we incur enforcing these rules governing the Secondary Card.CARD FEES AND TRANSACTION LIMITS14. Fees and Transaction Limits; Third Party FeesA. Under some situations, you will be charged fees for using your Account. We will charge you and you agree to pay the fees and charges (collectively Fees) described on the Fee Schedule included with your Card and made available to you before or during your enrollment in the Card program. Fees will be deducted automatically from the available Account balance. Any time your Account balance is less than the amount of the fee being assessed, the balance of your Account will be applied to the fee amount. Unpaid fee amounts will accumulate and will be deducted after your next load.B. Some of the ways you use or access your Account may incur third party fees, like mobile carrier fees for text messages or data used while accessing information on or through the Mobile App, or fees charged by out-of-network ATM owners.C. There are several ways to access the funds in your Account without incurring fees. In-network domestic ATM withdrawals are always free. In addition, domestic teller assisted cash withdrawals of up to your full net wages are free at any bank that is a member of the Visa network. You also may use your Card to make purchases and pay bills wherever Visa prepaid cards are accepted, and many merchants provide cash back with purchases without fees. D. Available transaction types and applicable transaction limitations are displayed in the transaction limits table(Transaction Limits or Transaction Limitations) below your Fee Schedule. For limits applied per day, a day is a rolling 24-hour period. For security reasons there may be additional limits on the amount, number or type of transactions you can make using the Card or Account. E. Fees and Transaction Limits are incorporated into this Agreement by reference and are subject to change from time to time. You will receive prior notice of Fee and Transaction Limit changes to the extent required by applicable law. You may receive a copy of the Fee Schedule and Transaction Limits by calling us toll free at 877-474-0010 or you may view them online at www.usbankfocus.com.HOW TO OBTAIN ACCOUNT INFORMATION15. Account InformationA. If you have arranged to have loads made to your card, including by direct deposit, you can review information about your Account, including loads from your Funder, online at www.usbankfocus.com, in the Mobile App or by calling us at PHONE NUMBER AVAILABLE to find out whether or not a load has been made. B. You may obtain Account balances and review Account activity by visiting www.usbankfocus.com, accessing the Mobile App, or calling PHONE NUMBER AVAILABLE. You can access a 12-month history of Account transactions online at www.usbankfocus.com. The statement will describe all Account activity during the statement period. C. You also have the right to obtain a 24-month written history of Account transactions, recurring monthly paper statements and/or a single-month paper statement by visiting www.usbankfocus.com, calling PHONE NUMBER AVAILABLE, or by writing us at Focus Card Services, P.O. Box 551617, Jacksonville, FL 32255. You will not be charged a fee for this information.D. You can get a receipt at the time you make any transfer to or from your Account using an ATM or point of sale terminal. 16. Contact Information and Business Days and Hours. For general inquiries by mail, write us at: Focus Card Services, P.O. Box 551617, Jacksonville, FL 32255. For service inquiries and/or to report your Card lost or stolen, call 877-474-0010, 24 hours a day, 7 days a week. Our business days are Monday through Friday. Holidays are not included. 17. Mobile Alerts. You may enroll to receive or manage electronic notifications (Alerts) relating to your Account online at www.usbankfocus.com, via the Mobile App, or by calling 877-474-0010.. Alerts will be sent via SMS / text message to a mobile phone, handheld, or other wireless device or by email as designated by you. This service allows you to request and receive certain messages about your Account. You may elect to receive Alerts relating to specific transactions on your Account. Once you have logged in, you may choose which Alerts you would like to receive and a limited number of electronic addresses (which electronic addresses may include email addresses and any devices accepting text messages) to which the Alerts will be sent. Alerts will be sent each day, at various times, when transactions occur that meet your specified criteria. You understand and agree that Alerts will not be sent on a real time basis, but will rather be sent at the next scheduled delivery time after the specified transaction event occurs. We reserve the right to change the frequency or timing of Alerts, at any time and from time to time. Alerts are not intended to replace your Account statements or any other communications we may provide to you regarding your Account. You are responsible for and must provide all telephone and other equipment, software, and services necessary to receive Alerts. By enrolling in Alerts and providing us with your cellular phone number, you consent to receiving SMS messages related to Alerts. Data and messaging charges from your telecommunications provider may apply, and you are responsible for any such charges. In the event your enrolled mobile or cellular device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such devices. You agree to notify us of any change to your electronic addresses in order to ensure continued delivery of your Alerts. You understand that there are risks associated with using a mobile device, and that in the event of theft or loss, your confidential information could be compromised. We are not responsible for any failures on the part of your telecommunications, internet and/or email provider to properly enable your receipt of Alerts. PREAUTHORIZED PAYMENTS AND ERRORS18. Preauthorized PaymentsA. Right to stop payment and procedure for doing so. If you have preauthorized payments with your Card, you can stop any of these payments. Heres how: Call us at 877-474-0010 or write us at Focus Card Services, P.O. Box 551617, Jacksonville, FL 32255, in time for us to receive your request three business days or more before the payment is scheduled to be made. Your request must include information necessary to identify the preauthorized payment. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. B. Notice of varying amounts. If these regular payments vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.C. Liability for failure to stop payment of preauthorized transfer. If you order us to stop payment three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. 19 Contact in the Event of Loss, Theft or Unauthorized Use; Your Liability for Unauthorized Transactions A. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or if you believe an electronic fund transfer has been performed without your permission. Telephoning is the best way of notifying us and keeping your possible losses down. You may contact us by calling us toll-free at PHONE NUMBER AVAILABLE or by writing us at Focus Card Services, P.O. Box 551617, Jacksonville, FL 32255. If your Card has been lost or stolen, we will close your Card. B. Zero Liability. You are generally protected from all liability for unauthorized transactions. However, if you do not tell us within 60 days after the earlier of the date you electronically access your Account, if the transaction could be viewed in your electronic history, or the date we sent the first statement or transaction history on which the unauthorized transfer appears, you may not get back any money you lost after the 60 days if we can prove we could have stopped someone from taking the money if you had told us in time. Alternatively, we may require you to report an unauthorized transaction(s) or other error within 120 days after the transfer or transaction allegedly in error was credited or debited to your Account.C. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. 20. Your Right to Dispute ErrorsA. In case of errors or questions about your Card, call 877-474-0010 or write to Focus Card Services, P.O. Box 551617, Jacksonville, FL 32255, as soon as you can if you think your statement, transaction history, or receipt is wrong or if you need more information about a transaction listed on the statement, transaction history, or receipt. 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. Alternatively, we may require you to report an unauthorized transaction(s) or other error within 120 days after the transfer or transaction allegedly in error was credited or debited to your Account. You may request a written history of your transactions at any time by calling us at 877-474-0010 or writing us at Focus Card Services, P.O. Box 551617, Jacksonville, FL 32255.B. You will need to tell us:(i) Your name and your Card number;(ii) The dollar amount of the suspected error;(iii) Approximately when the error took place; and(iv) Describe the error or the transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.C. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days after speaking with us.D. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within 10 business days for the amount you think is in error, so that 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 10 business days, we may not credit your Account until the investigation is complete, although we will still investigate your complaint or question. For errors involving new Cards (open less than 30 days), 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 provisionally 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.E. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents used in our investigation. If we have issued provisional credit to you and there is no error, the amount of that credit will be subtracted from your Card. We will give you advance notice of the amount and date of the debit against your Card for that credit. F. If you need more information about our error-resolution procedures, call us at the telephone number shown above. 21. Our Liability. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages with some exceptions. We will not be liable, for instance:(i) If, through no fault of ours, you do not have enough money in your Account to make the transfer.(ii) If the automated teller machine where you are making the transfer does not have enough cash.(iii) If the terminal system was not functioning properly and you were aware of that when you started the transfer.(iv) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable |
