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For SíGoSM Money STAR® card Terms and Conditions, please click here
This document constitutes the agreement ("Agreement") outlining the terms and conditions under which the SíGo Money Preferred MasterCard card has been issued to you. By accepting and using this Card, as defined below, you agree to be bound by the terms and conditions contained in this Agreement. The Card will remain the property of MetaBank 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. Please read this Agreement carefully and keep it for future reference.
By receiving, using or authorizing the use of this Card, you represent and warrant (i) that you are at least 18 years of age, or if you are in a state where the age of 18 is not the age of majority, then the age of majority for that state and (ii) that you have read this Agreement and agree to be bound by its terms.
In this Agreement, "Card" means the SíGo Money Preferred MasterCard card issued to you by MetaBank.
The Card is a prepaid card and allows you to access funds you place on it. The Card does not constitute a checking, savings or other bank account and is not connected in any way to any account you may have. The Card is not a credit card and you will not receive any interest on your funds on the Card. "You" and "your" mean the person who has received the Card and is authorized to use the Card as provided for in this Agreement. "We," "us," and "our" mean MetaBank, our successors, affiliates or assignees.
If you permit another person to have access to your Card, PIN or Card number, you will be liable for all transactions made with the Card, PIN or Card number by those persons. You are wholly responsible for the use of this Card according to the terms of this Agreement.
Your PIN will be given to you upon activation of your Card and you may use it to obtain cash from any Automated Teller Machine ("ATM") that bears the MasterCard or Cirrus acceptance mark, and to make purchases at any location that bears the MasterCard or Maestro acceptance mark. All ATM transactions are treated as cash withdrawals. You should not write or keep your PIN with your Card. If you believe that anyone has gained unauthorized access to your Card, PIN, or Card number, you should advise us immediately, following the procedures in "Your Liability for Unauthorized Transfers."
You can find a loading location near you on the web at www.SíGomoney.com or by calling 1-800-863-6072. You agree to present your Card and meet identification requirements to complete load transactions, called "value loading", as may be required from time to time.
There is no limit on the number of times you may value load your Card after activation. The maximum cash value load is the lesser of $1,000.00 or the amount which, when added to the value on your card, including direct deposits, would cause you to have more than $2,500.00 on your Card. Some locations will have a value load limit of less than $1,000.00. A direct deposit value load can be of any amount. The minimum value load is $5.00. In addition, your total cash value loads in a 24 hour period cannot exceed $2,500.00.
YOU MAY USE YOUR CARD FOR PURCHASES OR ATM WITHDRAWALS ONLY AFTER ACTIVATION.
You may use your Card to purchase or rent goods or services wherever the Card is honored as long as you do not exceed the value available on your Card. However, you may not use your Card for any illegal transactions, at casinos, or for any gambling activity.
You are responsible for all transactions initiated by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you may request that the merchant charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called "split transactions". Some merchants do not allow cardholders to conduct split transactions. However, some merchants will only allow you to do a split transaction if you pay the remaining amount in cash.
If you use your Card number without presenting your Card (such as for internet or telephone purchases), the legal effect will be the same as if you physically presented the Card. For security reasons, we may limit the amount or number of transactions you can make with your Card. Your Card cannot be redeemed for cash. You may use your Card to access cash at an ATM. ATM's may have their own withdrawal limits and fees.
You should keep track of the amount of value loaded on your Card. You may call Customer Service at 1-800-863-6072 at any time to obtain the current value on your Card or for assistance. You may also visit us at www.SíGomoney.com for the current value on your Card.
Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount on your Card through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card (creating an "negative balance") you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. We reserve the right to bill you for any negative balance plus a negative balance fee of $25.00. You agree to pay us promptly for the negative balance and any applicable negative balance fee. We also reserve the right to cancel your Card should you create one or more negative balances with your Card.
Your limit per day for cash advances, ATM withdrawals or cash back at merchants is $500.00 in a 24 hour period.
Transactions such as renting a vehicle or a hotel room, paying certain telephone bills, purchasing gas at the pump and transactions at "tip" oriented merchants may result in a "hold" on funds on your Card in excess of your actual bill until the final transaction is completed, which in some cases may be up to 30 calendar days. This means that you will not have use of the funds on "hold" for that period of time. To minimize this problem, we recommend that you pay for gas inside the service station and not at the pump. The hold is currently $50.00. For other purchases you should ask the merchant to authorize a specific dollar amount and to advise you of that amount. Knowing the amount of the "hold" will permit you to minimize the rejection of subsequent transactions or the creation of negative balances. We do not guarantee that the merchant will fulfill your request.
You do not have the right to stop payment on any purchase transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, a hold may result for up to 10 business days for the amount authorized.
If you obtain your funds (or make a purchase) in a currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by MasterCard International into an amount in the currency of your Card. MasterCard International will establish a currency conversion rate for this convenience using a rate selected by it from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate MasterCard International itself receives, or the government-mandated rate in effect for the applicable central processing date. In each instance, an additional fee of 2% plus the applicable dollar amount set forth in "Fees and Charges" will be imposed if any. This fee is independent of the currency conversion rate established by MasterCard International, as explained above.
Before using your Card, you must call 1-800-856-1973 to activate it and receive your PIN. Once your Card is activated, your funds are automatically moved from your SíGo Money STAR card to your SíGo Money Preferred MasterCard card.
If you do not activate your Card, you will not receive the Features described below, but you will be able to load your SíGo Money STAR card as many times as you wish. However, you may have no more than $2500.00 of value at any one time on your SíGo Money STAR card and each value load will be limited to $500.00. In addition, the total of all value loads in a 24 hour period cannot exceed $2,500.00.
- Increased loading
You may have up to $2,500.00 of value on your Card, but please see "Loading Your Card" for additional information.
- Direct Deposit
You may have your wages deposited on your Card if your employer offers direct deposit as a pay option. You may designate only one employer to send direct deposits to your Card. Direct deposits are not subject to value load limits. Please read the direct deposit insert and talk to your employer about this feature. Your employer controls the establishment and timing of direct deposits to your Card.
- Alerts (SMS)
You may call 1-800-863-6072 to sign up to receive a text message identifying your daily Card transactions.
- Free Telephone Time
Free minutes of telephone time will be placed on your Card when you activate it and additional free minutes will be added each time you value load your Card. To use your free minutes, please call 1-800-863-6072.
- Purchase of Telephone Time
You may also purchase telephone time, at the current rate, as needed or by establishing a program with us to have minutes automatically purchased for you, and paying for them with your Card or any credit card. To purchase or use your purchased telephone time, please call 1-800-863-6072 and follow the instructions.
- Rewards
You will accumulate reward points for cash value loads and Card usage which will be redeemable through a Rewards Program currently being developed. You will be notified when the Rewards Program is ready to be launched.
Telephone minutes obtained under the previous two bullets above will automatically expire if you do not activate your Card within 90 days of the Valid Thru date on your SíGo Money STAR or prior MasterCard card.
If you are entitled to a refund for any reason for goods or services purchased with your Card, you agree to accept credits to your Card for such refunds. The amounts credited to your Card for refunds may not be available for up to 5 business days from the date the refund transaction occurs.
Although there is a "Valid Thru" date on your Card, the available funds on your Card do not expire. If available funds remain on your Card within 60 days of the Valid Thru date, you will receive a new Card prior to the Valid Thru Date. You must call 1-800-863-6072 to activate your new Card. If you do not receive your new Card by the Valid Thru Date, please call 1-800-863-6072.
You should get a receipt at the time you make a transaction using your Card. You agree to retain your receipts to verify your transactions.
Statements in electronic format will be made available free of charge at www.SíGomoney.com during each month in which a transaction occurs. You may choose to have a paper statement mailed to you by calling 1-800-863-6072. However, there is a fee of $5.00 for this service for each monthly paper statement requested.
The following is a list of service and other fees related to your Card. They are all subject to applicable law.
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| Suggested Retail Fee |
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$9.95 |
| Loading Fee |
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Varies |
| Monthly Fee |
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$2.95 |
| ATM Cash Withdrawal - Domestic |
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$1.50 |
| ATM Cash Withdrawal - International |
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$3.00 plus 2% of the Withdrawal |
| ATM Balance Inquiry or Decline |
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$1.00 |
| Cash Advance - Domestic |
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$4.00 |
| Cash Advance-International |
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$4.00 plus 2% of the Advance |
| Negative Balance Fee |
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$25.00 |
| Signature Based Purchase |
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Free |
| PIN Based Purchase |
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$0.50 |
| Web Access |
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Free |
| Toll - Free IVR |
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Free |
| Card Replacement Within 3 Months of Valid Thru Date |
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Free |
| Direct Deposit |
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Free |
| Change of PIN Request |
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Free |
| Check Issuance Fee |
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$5.00 |
| Each Optional Monthly Paper Statement |
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$5.00 |
| Card Closure Fee |
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$10.00 |
| Lost, Stolen or Damaged Replacement |
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$10.00 |
| Card Replacement More Than 3 Months After Valid Thru Date |
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$5.00 |
| SMS Alert Option |
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$1.00/month |
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We may disclose information to third parties about your Card or the transactions you make:
a) Where it is necessary for completing transactions;
b) In order to verify the existence and condition of your Card for a third party, such as a merchant;
c) In order to comply with a government agency, court order, or other legal reporting requirements;
d) If you give us your written permission, or;
e) To our employees, auditors, affiliates, service providers, or attorneys as needed.
IF YOU BELIEVE THAT YOUR CARD HAS BEEN STOLEN, OR THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM YOUR CARD WITHOUT YOUR PERMISSION, CALL US IMMEDIATELY TOLL FREE AT 1-800-863-6072. WE WILL CANCEL YOUR CARD, ISSUE YOU A NEW CARD LOADED WITH THE REMAINING VALUE STILL ON THE CARD AS OF THE TIME YOU NOTIFY US. IF YOU NOTIFY US WITHIN 2 BUSINESS DAYS OF THE LOSS OR THEFT, AND SOMEONE HAS USED YOUR CARD WITHOUT YOUR PERMISSION, WE WILL ALSO REIMBURSE YOU FOR ANY FUNDS TAKEN FROM THE CARD WITHOUT YOUR PERMISSION. IF YOU DO NOT NOTIFY US WITHIN 2 BUSINESS DAYS AFTER YOU LEARN OF THE LOSS OR THEFT OF YOUR CARD AND WE CAN PROVE THAT WE COULD HAVE STOPPED SOMEONE FROM USING YOUR CARD WITHOUT YOUR PERMISSION IF YOU HAD PROMPTLY NOTIFIED US, YOU COULD LOSE AS MUCH AS $50.00. Also, if your statement shows transactions that you did not make, tell us at once. If you do not tell us within 60 days after the statement was made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If your Card has been lost or stolen, we will close your Card to keep losses down and issue you a new Card. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation.
IF YOU BELIEVE THAT YOUR CARD HAS BEEN STOLEN, OR THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM YOUR CARD WITHOUT YOUR PERMISSION, CALL US IMMEDIATELY TOLL FREE AT 1-800-863-6072. WE WILL CANCEL YOUR CARD, ISSUE YOU A NEW CARD LOADED WITH THE REMAINING VALUE STILL ON THE CARD AS OF THE TIME YOU NOTIFY US. IF YOU NOTIFY US WITHIN 2 BUSINESS DAYS OF THE LOSS OR THEFT, AND SOMEONE HAS USED YOUR CARD WITHOUT YOUR PERMISSION, WE WILL ALSO REIMBURSE YOU FOR ANY FUNDS TAKEN FROM THE CARD WITHOUT YOUR PERMISSION. IF YOU DO NOT NOTIFY US WITHIN 2 BUSINESS DAYS AFTER YOU LEARN OF THE LOSS OR THEFT OF YOUR CARD AND WE CAN PROVE THAT WE COULD HAVE STOPPED SOMEONE FROM USING YOUR CARD WITHOUT YOUR PERMISSION IF YOU HAD PROMPTLY NOTIFIED US, YOU COULD LOSE AS MUCH AS $50.00. Also, if your statement shows transactions that you did not make, tell us at once. If you do not tell us within 60 days after the statement was made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If your Card has been lost or stolen, we will close your Card to keep losses down and issue you a new Card. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation.
Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at anytime. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any local, state, or federal governmental agency, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of South Dakota except to the extent governed by federal law.
If your Card is damaged, please call 1-800-863-6072.
We may amend or change the terms of this Agreement at any time, by posting such changes at www.SíGomoney.com, or in a manner required by law, prior to the effective date of the change. However, if the change is made for security purposes or required by law, we can implement such change without prior notice.
We may cancel or suspend your Card or this Agreement at any time, including if we cannot collect the Monthly Fee for 2 consecutive months or you create an "negative balance" as described in "Using Your Card". The Card Closure Fee will apply if you cancel this Agreement or we cancel it because of an "negative balance" or we are unable to collect the Monthly Fee as stated above. You may cancel this Agreement by returning the Card to us. The Check Issuance Fee will apply whenever we send funds to you. Termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.
In case of errors or questions about your Card transactions or you need information, call 1- 800-863-6072 or write to Customer Service at IDT Stored Value Services Inc., 520 Broad Street, Newark NJ, 07102. You must contact us within 60 days after the first statement on which the problem or error occurred was first available at www.SíGomoney.com or within 60 days after we sent you such statement. You must provide:
a) Your name and Card number;
b) A description of the error or the transaction you are unsure about, and explain why you believe it is an error or why you need more information;
c) The dollar amount of the suspected error.
If you provide this information orally, we may request that you send your complaint or question in writing within 10 business days of our request. We will determine whether an error occurred within 10 business days after we receive the requested information and we will correct any error promptly. If we need more time, however, we may take up to 45 business days to investigate your complaint or question. If we ask you to put your complaint or question in writing and you do not provide it within 10 business days, we may not credit your Card.
For errors involving new Cards or point-of-sale transactions we may take up to 90 business days to investigate your complaint or question. We will advise you the results within 3 business days after completing the investigation. Copies of the documents used in the investigation may be obtained by calling 1-800-863-6072.
a) Information We Collect ("Cardholder Information"):
(i) Information about purchases made with the Card, such as date of purchase, amount and place of purchase; and
(ii) Information you provide to us when you apply for a Card, register, or when you contact us with Customer Service issues, such as name, address, and phone number.
b) Information Security:
Only those persons who need it to perform their job responsibilities are authorized to have access to Cardholder Information. In addition, we maintain physical, electronic and procedural security measures that comply with federal regulations to safeguard Cardholder Information.
c) Disclosure:
We may use Cardholder Information to provide Customer Service, to process claims for lost or stolen Cards, to develop marketing programs, to help protect against fraud and to conduct research and analysis, or as otherwise required by law. In addition, it is often necessary for us to disclose Cardholder Information for the same purposes to companies that work with us. For example, we may provide certain Cardholder Information to companies that perform business operations or services, including marketing services, on our behalf. We may also provide certain Cardholder Information to others as permitted by law, such as government entities, or other third parties in response to subpoenas.
From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our Customer Service or as required by applicable law.
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.
a) Purpose: This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) may be arbitrated instead of litigated in court.
b) Definitions: As used in this Arbitration Provision, the term "Claim" means any claim, dispute or controversy between you and us arising from or relating to the Card or this Agreement including the validity, enforceability or scope of this Arbitration Provision or the Agreement. "Claim" includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims. The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card; (ii) the amount of Available Funds on the Cards; (iii) advertisements, or oral or written statements related to the Card, goods or services purchased with the Cards; (iv) the services related to the Cards; and (v) your purchase, activation, use or upgrade for any Card. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in the court.
As used in the Arbitration Provision, the terms "we" and "us" shall mean the Bank, subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, "we" or "us" shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who market or provide services), if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you.
c) Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the procedures of the national arbitration organization to which the Claim is referred. Claims shall be referred to either the National Arbitration Forum ("NAF"), Judicial Arbitration and Mediation Services ("JAMS"), or the American Arbitration Association ("AAA"), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select either of the other organizations listed to serve as arbitrator administrator. You may contact us for instructions on how to obtain copies of any of these organizations' procedures.
d) Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE PROCEDURES OF THE NAF, JAMS, OR AAA, AS APPLICABLE (THE "PROCEDURES"). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.
e) Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. The arbitrator's authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.
f) Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees ("fees") for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the fees in connection with the arbitration (or appeal).
g) Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the "FAA"). The arbitration shall be governed by the applicable Procedure, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Procedure. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to its Procedure and issue its decision within one hundred twenty (120) days of the date of the appellant's written notice. The decision of the panel shall be by majority vote and shall be final and binding.
h) Continuation: This Arbitration Provision shall survive termination of your Card If any portion of this Arbitration Provision is deemed invalid or unenforceable it shall not invalidate the remaining portions of this Arbitration Provision or the Agreement both of which shall be enforceable regardless of such invalidity.
If there is a conflict between the English and Spanish versions of these Terms and Conditions, the English version shall be controlling for all purposes.
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