Square Banking is a safe, legitimate offering from payment processor Square, Inc. Square Bank accounts are FDIC-insured up to $250,000. Square Terminal is a wireless point-of-sale (POS) device that is designed to replace your conventional countertop credit card terminal. This Agreement will be governed by and construed in accordance with the laws of the State of Ohio, consistent with the Federal Arbitration Act, without giving effect to any principles that provide for the application of the law of another jurisdiction. Select Edit billing address > make your edits and tap Save. 42. Maximum withdrawal at an ATM or POS device per transaction: USD 250 In such event, we shall not be responsible for any resulting misuse of funds available in the Square Seller Card Account. You agree to not abuse the payment system or the service. Furthermore, eligible businesses must be sole proprietorships, rather than LLCs or corporations. No preauthorized transfers will be allowed. Transactions will be considered unauthorized only after you notify us that the person is no longer authorized to use the Card. 17. If Square notifies us that funds are available for the transaction and the transaction itself is authorized, the funds will be transferred from your Square Account to your Square Seller Card Account. . You acknowledge and agree that the value available in your Square Seller Card Account is limited to the funds available in your Square Account. Why Sellers Love Square. Please note that upon activating the service, you instruct Square to make the available Square balance available for making purchases with your Square Card. 5. You can view and print receipts for purchases from merchants using Square with our transaction search. You are not allowed to exceed the amount of available funds in your Square Account through an individual transaction or a series of transactions. Click the gear icon and select Checking settings. Compared to the more complicated process of opening a traditional business bank account, Square provides an easy alternative. To the extent permitted by applicable law, you are GIVING UP YOUR RIGHT TO GO TO COURT to assert or defend your rights EXCEPT for matters that you file in small claims court in your state or municipality within the jurisdictional limits of the small claims court and as long as such matter is only pending in that court. Its one easy way to separate your business and personal finances, which is something many small business owners struggle with. Governing Law. Square has arranged for Sutton Bank, member FDIC, to provide you with access to a prepaid payment card under the Square Prepaid Card Program (Square Card). The Card is meant to be used primarily for business purposes only and, therefore, is not extended consumer protections, including Regulation E protections. Square claims that it provides phone support, but it only makes this phone line available to active account holders. Users can set up two-step verification to add security to their Square account, set user permissions to control access to their account, and receive feedback from Square regarding password and account security. 34. JavaScript is required for full functionality of this site. If so, have you contacted the merchant via the contact information displayed on the electronic receipt directly? The expiration date of your Card is identified on the back of the Card. In spite of the absence of direct support options, Thinkific has a help and training center with information that will assist entrepreneurs in . Our support number is 1-855-700-6000. See section titled Adding Funds to your Square Seller Card Account for instructions on how to fund your Square Seller Card Account for making transactions. We're available from Monday to Friday, 6am to 6pm, PST. Maximum spend per month: USD 150,000 Payments should be mailed to us at the address provided below or the address stated in the applicable notice. The applicable exchange rate will be selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Mastercard itself receives or the government-mandated rate. If you use Square for Restaurants, you'll also pay 2.6% + 10 cents per transaction, but with monthly fees on top of it. Your Liability for Unauthorized Transactions. When it comes to customer service and support, Square is also a step above the rest. Contact Information for Customer Service. 2. Expensify Pricing Explained: How Much Does Expensify Really Cost? You may not add funds to your Square Seller Card Account by any other method, including credit cards, debit cards, bank accounts, cash or by sending personal checks, cashiers checks, retailer load networks (e.g. Here are Squares Other Business Services, Square Banking Reviews & Customer Complaints. We are not responsible for the delivery, quality, safety, legality, or any other aspects of goods or services that you purchase with your Card. How to Issue Printed Receipts. You agree to retain, verify, and reconcile your Card transactions and receipts. And Square Banking includes easy features that let you set savings goals and meet them almost effortlessly. With so few data points to work with, lets consider users overall satisfaction with Square and try and glean some clues. If you make a purchase using your Card in a currency other than in U.S. dollars, the amount deducted from the available funds in your Card Account will be converted by Mastercard into U.S. dollars. 6. The Support Center is the best place to start. If you need to replace your Card for any reason, please contact Customer Service. Business Credit Cards Without Personal Guarantee, Find Accounting & Payroll Software Reviews, Discover The Best Accounting & Payroll Software In 2022, Discover The Best eCommerce Platforms In 2022, Best eCommerce Platform For Small Business, Is Dropshipping Worth It? By eliminating the time between making a sale and having funds available, you can quickly put your money to work. Read reviews and complaints about Square, including credit card processing, secure payments, fast deposits, clear pricing, quick set up and more. . You can use the Square Debit Card at an ATM without incurring any fees from Square, although the ATM owner may charge you a service fee. You may also cancel your Square Card by contacting support through +1 866-200-8599 OR CARDFEEDBACK@SQUAREUP.COM. 21. By using the Square Card, you also agree to the Square Seller Prepaid Card Program Cardholder Agreement (Square Prepaid Card Terms), which may be updated from time to time. On the basic plan, Square charges a rate of 2.6% + 10 cents per transaction for Visa, Mastercard, Discover, and American Express credit and debit card transactions. This Agreement constitutes the entire and sole agreement between you and us with respect to the Program and supersedes all prior understandings, arrangements, or agreements, whether written or oral, regarding the Program. THIS AGREEMENT INCLUDES, AMONG OTHER THINGS, AN ARBITRATION PROVISION CONTAINING A CLASS ACTION WAIVER AND YOUR AUTHORIZATION FOR THE CARD (AS DEFINED ABOVE) TO BE CHARGED FOR ALL FEES ASSOCIATED WITH THE PROGRAM. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Setting a PIN & PIN Security. CardPaymentOptions.com, Inc. All Rights Reserved. Date of experience: June 21, 2022. 33. How to Issue Digital Receipts. Square Debit Card comes with a Square Checking account. We will be checking back to find more banking-specific reviews of Squares services we can use to update this review. Arbitration will be subject to the Federal Arbitration Act and not any state arbitration law. If, however, either subpart (a) or (b) of this Section is found to be invalid, unenforceable, or illegal, then the entirety of this arbitration provision will be null and void, and neither you nor we will be entitled to arbitration. Request New Card When you use Square Checking, you can cross these off the list: Square Banking is available to Square users aged 18+. For these reasons, we rate Square banking Good in terms of rewards and perks. The exchange rate used on the central processing date may be different than the rate that was in effect on the date you performed the transaction. Amendment. Adding Your Card to a Digital Wallet. Errors or Questions About Your Square Seller Card Account Transactions. 4. If you need assistance with any of your Square products, there are a few ways to get in touch with customer service. Square is perfect for the farmer's market. 16. 1. 11. If you have to wait on the phone line, you can use the callback option. Account Alerts. This Card is issued by Sutton Bank pursuant to license by Mastercard U.S.A. To activate the Card, follow the instructions provided by Square with your Card. Disclaimer: Merchant Maverick aims to provide accurate and up-to-date information to assist you in your research. Support Center You should print and save and/or electronically store a copy of all Communications that we send to you electronically. No Right to Stop Payment Notification of Changes. We are the go-to resource for the latest hardware and software for POS systems and have helped thousands of buyers find the perfect POS system for their business needs and budget. You may not use your Card for making purchases at any vending machines, kiosks or gas station pumps. Fraudulent charge on by square debit card I am setting up a new Square website. Adding Funds to Your Square Seller Card Account. We may limit the number or size of transfers from your Square balance to your bank account for various reasons including risk, identity verification, investigations or chargebacks. We shall not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses that may affect your computer or other equipment. We are not responsible if your Square Card is lost, stolen, destroyed, or used without your permission. 20. Transaction History. To open a Square Checking account: Go to the Balance applet in your Square Point of Sale app or web Dashboard and select Square Checking Select Open account Verify your information Personalize your business debit card Confirm the shipping address for your business debit card 3.CONSENT TO USE ELECTRONIC SIGNATURES AND COMMUNICATIONS. Square Business Banking made the cut. By providing Square with this information you are certifying that the information provided is true and accurately reflective of your use of the Service. When you manually key in your customer's card details or use a card on file, the fee is 3.5% + 15. You are not permitted to use custom signatures to depict inappropriate subject matter, the intellectual property rights of others, or an ink-intensive design. You will not receive any interest on the funds in your Square Seller Card Account. Square Seller Card Account means the records maintained by Bank for each Card to evidence transactions initiated with the Card. You must notify us immediately in the event of the insolvency, receivership, conservatorship, bankruptcy, reorganization or change in Principal Owners. Each time you use your Card, you authorize us to reduce the value available in your Square Seller Card Account by the amount of the transaction and any applicable fees. Entire Agreement. Square Banking services can help small business owners manage their finances by giving instant access to funds from sales made using Squares payment processing. If no future funds are added to your Square Seller Card Account, we may send you a notice explaining the reason for the adjustment and requesting payment by a personal check, money order, or other payment method to satisfy the negative balance. You can reach them by phone, email, or through the Square Support Center website. Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. Taxes When making purchases with your Card at any point-of-sale (POS) device other than through a Digital Wallet provider, you may select CREDIT on the keypad to make a signature purchase. We occasionally send out emails with special offers. For its part, Sutton directs customers to contact Square in the event their card is stolen or lost, or if an unauthorized party has transferred funds without permission, the suit says. . You may not use your Card for online gambling or illegal transactions and we may refuse to process any transaction we believe violates the terms of this Agreement. You are liable for amounts you owe even if your account is closed. We reserve the right, subject to applicable law, to deliver to you any notice of changes to existing terms or the addition of new terms by posting an updated version of this Agreement on the Website or delivering notice of changes to you electronically. We, us, and our mean the Bank and its successors, affiliates, and assignees. Those who already know and use Squares software products, as well as those leaning toward Square POS, are not likely to find much of a downside to signing up for Square Banking, especially if youre not already set up with a business bank account. An individual selling baked goods would appear as SQ* JOHN SMITH on your statement. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. Get Started with Square Online Checkout Links. Its free to sign up for a Square account, and signing up takes only two minutes, according to Square. 41. Weve included annotations in the gray boxes below to emphasize certain portions of our terms and help guide you as you read them. 40. This is especially beneficial right now, as 91% of Main Street small . Other than those limitations, all Square users are eligible for Square Banking services. Website Availability Although considerable effort is expended to make our website and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free every minute of the day. Square offers customer support through live chat, phone, and email. Advertiser Disclosure: Our unbiased reviews and content are supported in part by. 28. We reserve the right to delay or further limit such transfers while we screen for risk, or we may request you provide additional information to verify your identity. Sutton Bank Debit Card Customer Service (Shazam): 800.383.8000 (after hours) By Fax: 419.426.1320. 14. In addition, we and us includes Square and any third party providing any product, service, or benefit in connection with the Cards, the Square Seller Card Accounts, or this Agreement (as well as any related or prior agreement that you may have had with us) if such third party is named as a co-party with us in any controversy, dispute, demand, claim, or cause of action subject to this Section. That includes eCommerce, point of sales (POS), invoicing, payroll, and more. You may transfer your balance to your external bank account free of charge subject to normal processing times and withdraw physical cash from that account, as permitted by your bank. When a customer makes a purchase through your Square Online Store, Square Online Checkout, eCommerce API, or pays an invoice online, the fee is 2.9% + 30 for cards or 1% with a minimum $1 per transaction for ACH bank transfers (via invoices . You acknowledge and agree that by registering for the Program you authorize us to transfer funds from your Square Seller Card Account to your Square Account as described in the paragraphs labeled Refunds and Disputes and Errors or Questions About Your Square Seller Card Account Transactions.. Third party fees may apply for participating in the Program as described in Section 21 Cash Access and Section 26 Account Alerts in this Agreement. This form is for feedback only. Notify us if you see any unusual activity on your Card. Prepaid Card Customers: Prepaid Card Support: Please contact the phone number and/or visit the website printed on the back of the card, or in your Cardholder Agreement. Merchant Mavericks ratings are not influenced by affiliate partnerships. In order to protect your Square Seller Card Account, we may temporarily impose limits on the dollar amount, number, and type of transactions performed using your Card and your Square Seller Card Account. Add money 9 at any ACE location. Refunds for Square Card transactions will be credited to your Square balance after we receive notice from Sutton Bank of the amount of credit from refunds that is available to be returned to your Square balance. 48. Adding Funds to Your Square Seller Card Account. If you do not recognize the merchant name on your statement,try to recall where you were on the date of the transaction and what you might have purchased. If your U.S. mail or postal address, or email address or telephone number changes, you must notify us immediately. Nevertheless, if a transaction exceeds the amount of available funds in your Square Account, you will be fully liable to us for the full amount of the transaction and any applicable fees. These are the maximum amounts that can be spent using your Card. Dont use Square Card for any illegal activity or internet gambling. Square does a good job in that area, with funds from Square sales available immediately for use. Home Business Bank Account Reviews Square Banking Review: Financial Services & Business Checking. Your privacy is very important to us. Navigate to the Balance tab of your online Square Dashboard > select Square Card. Important Information About Opening an Account. Get an ACE Elite Card either online, or by visiting any ACE Cash Express location. You Must Keep Your Contact Information Current With Us. A Square Card will only be considered cancelled once you have properly provided confirmation that the card has been cancelled. When I activated the card it state. You may elect to add your Card to one or more digital wallets (Digital Wallets) supported by Bank and subject to the Terms for Adding Your Square Seller Prepaid Card to a Digital Wallet (Digital Wallet Terms). Transactions in Foreign Currencies. You further instruct Square to initiate necessary transfers to make this Square balance available for making purchases with your Square Card. BY ACCEPTING THE CARD, YOU CONFIRM YOU HAVE AUTHORIZED SQUARE TO PROVIDE US WITH THIS INFORMATION. Severability and Waiver. Mailing Address: Sutton Bank PO Box 505 Attica, OH 44807-0505. These are the Best CD and Savings . Lets find out. Which Business Bank Account is Right For You? 4. The Bank reserves the right to refuse to return the unused balance if it is less than $1.00. The arbitration will take place in the federal judicial district of your residence. To request a Square Card, you need to follow in-app prompts to request a card and provide your mailing address and custom signature. We must hear from you no later than 60 days after the earlier of the date you electronically access your Square Seller Card Account, if the error could be viewed in your electronic transaction history, or the date we sent the FIRST written transaction history on which the error appeared. We may refuse to process any transaction that we believe may violate the terms of this Agreement. The Card is not a credit card. Dimora Village in Lubbock, TX truly provides residents with awesome home layouts and amazing amenities at affordable . Fora positivebuyer experience online, we recommend the following tips: Take advantage of the note field in your shopping cartto communicate anything you would like the seller to know. Contact Customer Service as soon as you can if you think an error has occurred involving your Square Seller Card Account. We may also issue you a new Card when your Card expires even if you have no funds available in your Square Account for adding funds to your Square Seller Card Account. You must activate your Card and set a personal identification number (PIN) for your Card (See Setting a PIN & PIN Security) before it can be used. You can get cash by using your Square Card at an ATM, or by transferring your Square account balance to your linked bank account and withdrawing cash from your bank account. Product & company names, logos, and trademarks referred to on this site belong to their respective owners. Limitations Toggle Skip Receipt either on or off. If you need to replace any Card that is reported lost or stolen, you can do so by contacting Square at cardfeedback@squareup.com or 1-844-853-2281. Card Spend Report Applying for a Square loan does not involve a traditional application process with a credit check that might affect your credit score. During that period, you will not have access to the funds subject to the hold. Any transaction that could create a negative balance for your Square Seller Card Account is not permitted. Live Where the Grass IS Greener.at Dimora Village, owned and managed by Grassano Properties. You can use Square Card anywhere Mastercard debit cards are accepted. If you change your mobile device number or text message address, you must promptly provide and verify your new mobile device number or text message address. For the avoidance of doubt, the Square Prepaid Card Terms are between you and Sutton Bank, not Square, and in the event of any inconsistency between these Square Card Terms and the Square Prepaid Card Terms, the Square Prepaid Card Terms shall govern your use of the Square Card and your relationship with Sutton Bank. (b) Merchant Holds on Available Funds. However, there are some exceptions. Bask Bank Review 2022: No Fees and Good Rates, but Slow Transfers and Few Account Options. You agree to act responsibly with regard to our website and its use. with your credit card (d) use the Service or your Square Account to receive an unjust benefit or enrichment. Whether you manage your business through the Square POS app or use the Square online dashboard, when you add Square Banking to the mix you can control all your small business finance needs, from sales to saving to spending, from one place. If you provide your mobile phone number, other text message address or download the App to mobile device, we will send you important notices to the mobile number, text message address or mobile device you have provided in the App. You can use the Square Debit Card at an ATM without incurring any fees from Square, although the ATM owner may charge you a service fee. Looking for a way to get in touch with Square customer service? Square Cash vs. Google Pay. Square may limit the funding sources available for your use for a specific transaction to reduce risk. The Card is not a gift card or gift certificate. view and print receipts for purchases from merchants using Square, look up the Square purchase using our transaction search, take a moment to look up the Square receipt, buying items from Square merchants online. You may transfer funds from your Square balance to your bank account from your Square dashboard. If you have zero funds in your Square Account, any subsequent transaction authorizations using your funds in the Square Account will be declined. Incorporated. If your Account cannot be verified you may be required to set up a new account. Our business days are Monday through Friday, excluding federal holidays. The support number is 1-855-700-6000 to speak to a human, and customer service is available Monday to Friday from 6 am to 6 pm PST. You will remain liable for all obligations related to your account even after the account is closed. 3. The way any prepaid debit card works is you can use it for transactions after it gets loaded with money from another source, usually a bank account, but sometimes with actual cash at a store. 44. Business Days. Do not send your Card number in an e-mail or text message. Contact Customer Service immediately at the number or address provided below to keep possible losses to a minimum. If you use the Square Card, the money from your own Square sales will be available via debit immediately. You hereby authorize Square, directly or through third parties, to make any inquiries we consider necessary to validate your identity and/or authenticate your identity and account information and, for business accounts, your company or employer. Since the original publication of our Square review, we have received thousands of complaints that accuse the company of withholding funds, deactivating accounts, and offering zero phone contact information to affected merchants. Some of these services may not be available at all terminals. Linked to the users Square account, funds from sales processed via Square are available instantly on the Square Debit card. Authorized User agrees to promptly notify us in writing of changes to any User Information. 9. Square Seller Card Account. If you have misplaced your Square Card, or you otherwise want to prevent future transactions from your Square Card, you may cancel the Square Card in the Square Card management section of the Square Point of Sale app or Dashboard. Either memorize your Card number or keep it in a safe place. Mastercard is a registered trademark of Mastercard International Incorporated. Neither we nor Square will charge you any fees for you to obtain or use your Card. Did you sign for the purchase with your finger on a mobile device? Square loan offers are based on factors such as your payment processing volume, account history, and payment frequency. Square hardware and software are engineered with safety in mind. Heres how to access the Square Support Center login: If youre having trouble using the Square app, it could be because of an issue with the Square system service status. You agree to promptly notify us of changes to any User Information. Most major credit card companies offer payment dispute services for unauthorized charges or charges that were not delivered as expected. When you provide us with a mobile number, youre authorizing us to send text messages to that number. Here you can find answers to commonly asked questions, keyword and topic search, as well as see what other users are talking about. Square Seller Card Account Balance. You are responsible for all authorized transactions initiated and fees incurred by use of your Card and Square Seller Card Account. Current Version means a version of the software that is currently being supported by its publisher. Is Square Banking right for your small business? While Square is a financial service company and not a bank, Square Banking services are provided by FDIC Members, including Sutton Bank and Square Financial Services, Inc. All Square Banking accounts are FDIC-insured up to $250,000. Funds from sales made using Squares payment processor are instantly available via Square Banking. Contact Customer Service immediately if you or an Authorized User believe: (a) your Card or Card number has been lost or stolen, or (b) someone has transferred or may transfer funds from your Square Seller Card Account without your permission. Save your order and shipping confirmation emails, which include the business contact information as well as your order number. Copyright Point of Sale USA, LLC 2011 -2022 | All Rights Reserved | Privacy Policy | Terms and Conditions | Advertiser Disclosure. Customer Support and Help Center. We may follow up with additional inquiries and might use third parties to help us do so. PLEASE VISIT WWW.SQUAREUP.COM/LEGAL/SQUARECARD TO VIEW, PRINT, AND SAVE THIS AGREEMENT. LIMITATION OF LIABILITY. You are responsible for all your Square Card transactions. Square is PCI-compliant and handles data security for its users. 18. Merchants generally will not be able to determine your available balance. "Indeed, Sutton Bank refers Cash Card users to Square for all customer service, account, IT, fraud, and technical issues," the complaint reads. WHAT THIS MEANS FOR YOU: WHEN AN ACCOUNT OWNER OPENS A SQUARE SELLER CARD ACCOUNT, WE WILL ASK FOR ACCOUNT OWNERS AND ANY AUTHORIZED USERS NAME, PHYSICAL ADDRESS, DATE OF BIRTH, AND OTHER INFORMATION THAT WILL ALLOW US TO IDENTIFY THE ACCOUNT OWNER AND AUTHORIZED USER. We will also share information from your Square Account with our partners and other entities, as expressly authorized by you in connection with certain transactions including but not limited to charity or political campaigns. You should also have a good idea of what your issue is before reaching out, as this will help the customer service representative resolve your issue more quickly.
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