Unirush Financial Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]
  
The money that was took from my account was on October 14,2015 my balance was $ 582.16 with a pending deposit from my job adding up to a total of $1163.00.I received $ 580.84 after a few days BUT LOST MY PRIOR BALANCE OF 582.16. I just want my money back. I still see my prior balance with no transactions to show where the money went, it just vanished!! Do the right thing and give me my money back I am not asking for a favor,hand out,government assistance.  This is my hard earned money.I expect this to resolved as soon as possible today marks a month 11/14/15 since I have been waiting for this company to return the money that was Stolen.  You can see my prior balance. and from my understanding you promised customers fdic insured accounts .

The
Revdex.com

size="3">
7
W Seventh St, Suite 1600
Cincinnati
Ohio 45202-2468
 
Complaint
ID [redacted]
 
April
8, 2015
 
We
received [redacted] complaint regarding access to her funds and the level of
customer service received.  RushCard logs
all customer contact and activity associated with financial cards.
 
On
2/21/2015 [redacted] contacted RushCard regarding and unauthorized transaction
on her RushCard account. Due to the account possibly being compromised, a new
card had to be issued out to [redacted] while waiting for the dispute to be
filed. The card was sent the same day to the address on the account on
2/21/2015. There is no tracking of card sent regular mail so, unfortunately we
are unable to tell what happened during the transit of that card.
 
On
3/17/2015 [redacted] called regarding not receiving her RushCard after the allotted
timeframe of 7-10 business days. Due to recent account updates, [redacted] was
ran through [redacted], a series of questions pulled from public record, in order
to issue a new card to [redacted] via the expedited process. A card was issued
to [redacted] on 3/17/2015 with fee waived and was activated by her on
3/19/2015.
 
We
appreciate [redacted] feedback.  These
types of issues go directly against our mission of access and inclusion for
everyone and we look to be clearer and avoid similar problems for all of our
customers.
 
Regards,
 
[redacted]
Customer
Service Specialist

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]
 
So I tried to contact unirush and they have my phone number blocked so I won't contact them today August 28,2016 I'm not going to keep playing games with unirush if the money is not transferred from my acct to my manager acct by Tuesday August 30,2016 I will proceed to file against unirush financial it's been a whole month and six days and I still haven't received my funds I'm not going to wait any more because unirush knows what they are doing I've also contacted my lawyer and was advised to wait til Monday no later than Tuesday August 30,2016 before I file against unirush with the courts. On Friday August 26,2016 I tried to get my money gram and they advised me of the wrong senders information I contacted unirush again on Saturday August 27,2016 and I still haven't received any information they keep saying go to money gram and I went several times and I was humiliated and embarrassed several times on August 26,2016 and today August 27,2016 I also advised unirush financial that I will be getting evicted from my apt today August 27,2016 I spoken to a supervisor and he was on the phone with me the whole time on Friday August 26,2016 so he advised me that he could do a manual transfer to my managers unirush card and still not nothing I've contacted my lawyer to help me on situation because unirush is trying to Defraud me. I also think unirush financial services is trying to defraud me they will be hearing from my lawyer. Hello yes I was offered express cash and unirush did not give me correct Information to money gram to even pick up the funds this is an ongoing issue with unirush financial services on August 26,2016 I was on the phone with unirush supervisor all morning to try getting the funds so I was advised that they would get the funds back and do a card to card transfer to my managers unirush card so my rent can get paid and I'll know that the funds would have been received so I wouldn't have to go through eviction proceedings and unirush seems not to care so I'm going to bring this matter to a close with the Revdex.com because I'm not getting anywhere so I'll contact my lawyer because this is a ongoing issue and unirush is liars.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
I was told verbally by the agent once the documents were received a provisional credit would be given.  I want my money back so I can cancel the call.  If they pull the call they will hear what the agent stated.  This is really starting to be frustrating.
I just want my money so I can go on my merry way.  
Regards,
[redacted]

September 12, 2016
none;">  VIA ONLINE SUBMISSION: Revdex.com® 7 W Seventh St Suite 1600 Cincinnati Ohio 45202   Re:      Case #: [redacted]                                     Consumer: [redacted]                                     To Whom It May Concern:   This letter is in response to the attached complaint, Case No. [redacted], which the Revdex.com® (“Revdex.com”) received from [redacted], on September 9, 2016. UniRush, LLC d/b/a RushCard takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources.    [redacted] complaint contends that she received a direct deposit and RushCard is holding her direct deposit. [redacted] would like to have her money released and made available to her.   On September 9, 2016 RushCard received a direct deposit to [redacted] account. Since the direct deposit was over our card load limit of $10,000.00 additional documentation was required from [redacted]. On September 9, 2016 we requested [redacted] submit for review identification documentation (copies of driver’s license or state identification card, social security card) and letter from the remitter validating the deposit amount as well as the address on the account. We show we received all required documentation requested on 9/9/2016 and processed [redacted] direct deposit. [redacted] direct deposit has been made available and we show [redacted] is using her RushCard account with no restrictions.   We appreciate [redacted] feedback. Our goal is to provide financial convenience supported by reliable customer service.     Sincerely,   RushCard Corporate Customer Service

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
Christina [redacted]
We as RushCard holders still deserve to be compensated for the inconvenience you put us in since 10/12/2015 bedsides a few months of FREE fees.....c'mon now, let's be realistic about this!

Revdex.com
7 W Seventh Street, Suite 1600
Cincinnati, Ohio 45202
RE:  Case [redacted]
February 14, 2014
We received Ms....

[redacted]’s complaint regarding
access to her funds and the level of customer service received.  RushCard logs all customer contact and
activity associated with financial cards.
During tax season here at Rushcard we experience an enormous
amount of fraudulent and suspicious activity. Tax refund deposits are heavily
scrutinized and in some cases we may ask for verification documentation to post
deposits. In no way are we accusing Ms. [redacted] of fraudulent activity but we
show Ms. [redacted] account being opened on 1/11/2014 and the only activity was the
tax refund deposit on 2/6/2014. As a precautionary measure we asked Ms. [redacted]
to submit verification documents to validate her identity to post the return.
We received documents in total on 2/8/2014 our corporate staff was able to
validate them on 2/10/2014 and upon validating them posted the deposit on Monday,
2/10/2014 – which was the first business day since receiving the documents.
We appreciate Ms. [redacted]’s feedback and her membership with
us here at Rushcard. We apologize for any inconvenience and frustration this
may have caused Ms. [redacted]. These types of issues go
directly against our mission of access and inclusion for everyone and we look
to be clearer and avoid similar problems for all of our customers.
Regards,
[redacted]
CS – Audit/Compliance Analyst

Revdex.com
** [redacted]Cincinnati, Ohio 45202
RE:  Case [redacted]
April 15, 2014
We received [redacted]’...

complaint regarding
access to her funds and the level of customer service received.  RushCard logs all customer contact and
activity associated with financial cards.
During tax season here at Rushcard we experience an enormous
amount of fraudulent and suspicious activity. Tax refund deposits are heavily
scrutinized and in some cases we may ask for verification documentation to post
deposits. We show we received a federal tax refund deposit for [redacted] on 4/4/2014
with an effective date of 4/7/2014. We requested additional documentation to
validate her account and the tax refunds. The validation process must be
completed prior to any funds being released. Upon receiving all necessary
documentation to validate [redacted] account and tax refund we were able to
post and release [redacted]’ tax refund on 4/11/2014. We sincerely apologize
for any inconvenience it may have caused [redacted]. We sincerely apologize for
the inconvenience.
We appreciate [redacted]’ feedback. These types of issues go
directly against our mission of access and inclusion for everyone and we look
to be clearer to avoid similar problems for all of our customers.
Regards,
[redacted]
CS – Audit/Compliance Analyst

The Revdex.com
** [redacted]
RE:  Case Number [redacted]
October 3, 2014
We received Mr. [redacted]’s complaint regarding the transactions
being put on hold and the level of customer service received. RushCard logs all
customer contact and activity associated with financial cards.
We sincerely apologize for Mr. [redacted]’s experience with customer
service. As stated in the previous response the calls have been monitored by
Corporate and we found no evidence of the representative releasing the calls
nor any error done, therefore there will be no compensation issued. Both $[redacted] pending
transactions were released on 9/27/2014.
We appreciate Mr. [redacted]’s feedback and his membership with us
here at RushCard.
 
Regards, 
[redacted]Customer Service Specialist

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
The way Rush Card handles treat their customers  and how they take control of there finance without any regards on the affect it may cause them is unfair.  I have no other choose but to contact IRS for payment.  Why it takes 8 to 10 weeks for IRS to receive check, what kind of mail system do you have.  Mail does not take that long to deliver, unless Rush Card plan to hold on to it longer.
Has the check been mailed out yet.     NOT HAPPY would not refer anybody to Rushcard, I would discourage them.
Regards,
[redacted]

February 04, 2016
VIA ONLINE
SUBMISSION:
RevDex.com
7 W Seventh St Suite...

1600
Cincinnati Ohio 45202
Re:       Consumer:  [redacted]
                         Complaint number:  [redacted]
            Complaint
date:  January 28, 2016
                       
To Whom It May Concern:
This
letter is in response to the consumer complaint referenced above.  UniRush, LLC which is the program manager for
the Rushcard prepaid debit card program takes customer complaints seriously and
strives to provide quality customer service while dutifully protecting customer
identities and resources. 
[redacted] complaint
contends that RushCard is withholding her money. [redacted] also stated she was advised
on January 27, 2016 that she would receive her funds in one hour.
On January 27, 2016, [redacted] contacted RushCard customer
service to request Express Cash for the available balance on her RushCard
account. [redacted] was advised that the request was submitted and the process
would take one to two business days.  On
January 28, 2016 [redacted] available balance of $660.59 was issued via
Express Cash and a reference number was provided to retrieve the funds. On
February 3, 2016 a RushCard Corporate Customer Service Specialist contacted [redacted] and confirmed that her funds were received.    
  
We appreciate [redacted] feedback.
    
Regards,
RushCard Corporate Customer Service

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
Unirush keeps sending the SAME EXACT response to my rejection. I want to know WHY Unirush denied MY [redacted] cash load not only on the original date of 11/10/16 but also again on 11/18/16 when they tried to resend it. Had UniRush actually did their investigation instead of just putting it off on the merchant I would of had my find A LOT sooner then 8 days! I do NOT want your same response you just keep resending I want to know WHY it was DECLINED to begin with! I am still NOT happy with your "response." 
Regards,
[redacted]

RevDex.com
** [redacted]Cincinnati
Ohio [redacted]
RE:  Case [redacted]...

[redacted]
May
6, 2014
 
We
received Ms. [redacted] complaint regarding her dispute denial on unauthorized transactions and her
account closure. RushCard logs all customer contact and activity associated
with financial cards.
We
completely understand Ms. [redacted]’s concern with the outcome of her
dispute. [redacted] handles all disputes on behalf of RushCard and after
investigating the dispute they have denied Ms. [redacted]’s claim.
RushCard is unable to credit the account and Ms. [redacted] will need to
contact [redacted] regarding the outcome of her dispute. Ms. [redacted] also
should have received a letter from [redacted] explaining the denial and can file a
rebuttal for the outcome of the claim by following the instructions on the
letter received. [redacted]’s phone number is [redacted]. I’ve also supplied the
mailing address for [redacted] that Ms. [redacted] can correspond with them.
[redacted] address is [redacted]
As
it relates to the closure of all her accounts our Risk team evaluates all
accounts and in regards to Ms. [redacted] it was determined based on the
denied dispute claim to close all her accounts with Rushcard. We sincerely
apologize for any inconvenience this has caused. All remaining balances on the
accounts can be issued to Ms. [redacted] via bill pay.
We
appreciate Ms. [redacted] feedback. These types of issues go directly against our mission of access and
inclusion for everyone and we look to be clearer and avoid similar problems for
all of our customers.
Regards,
[redacted]
CS
– Audit/Compliance Analyst

Revdex.com
7 W Seventh St Suite 1600
Cincinnati Ohio 45202
Re:  [redacted]
March 11, 2014
We received Ms. [redacted]’s...

complaint regarding access to her
funds and her card recently being blocked. RushCard logs all customer contact
and activity associated with financial cards.
Rushcard’s standard operating procedures
require that we monitor our customer accounts for suspected fraudulent
activity, including identity theft, and block suspicious accounts in order to
protect our customers and our business. At any time we suspect suspicious
activity such as “account take over” our Risk department may block a member’s
account to validate and verify the identity of the card-holder. This was the
case with Ms. [redacted] where we blocked her card on 2/14/2014. We requested
copies of valid DL/State ID, SS card and proof of address dated within the last
30 days. There’s acceptable documents we accept as proof of address and all
have to be dated within the last 30 days, I’ve listed them below:
Utility bill (gas, electric, water,
etc.)
Phone bill
Paycheck stub
Benefits letter (child support, food
stamps/assistance)
Insurance bill (car, house/renters)
We received a “Change of Address”
acknowledgement from the USPS (which is typically not used in our proof of
address policy) on 3/4/2014.
The block on Ms. [redacted] account was lifted
on 3/5/2014 and she now has full access to her funds. We apologize for any
inconvenience and frustration this may have caused Ms. [redacted].
We appreciate Ms. [redacted]’s feedback, and
apologize for the inconvenience this may have caused. These types of issues go
directly against our mission of access and inclusion for everyone and we look
to be clearer and avoid similar problems for all of our customers.
Regards,
[redacted]
CS – Audit/Compliance Analyst

March 20, 2016   VIA ONLINE SUBMISSION: Revdex.com® 7 W Seventh St Suite 1600 Cincinnati Ohio 45202...

                Re:         Complaint ID: [redacted]                 Consumer: [redacted]                                 To Whom It May Concern:   This letter is in response to the attached complaint, Complaint No. [redacted] which the Revdex.com® (“Revdex.com”) received from [redacted] on March 17, 2016.  UniRush, LLC d/b/a RushCard takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources.   [redacted] complaint contends that RushCard blocked her card, and that she would have to wait for a replacement card.   [redacted] also states that she did not ask RushCard to block her card and needs to have access to the funds on her account.   On July 31, 2014 [redacted] spoke with RushCard customer service and was advised that the card account was blocked due to the card being compromised.  [redacted] was advised that a card replacement needed to be processed.  [redacted] rejected the card replacement to be sent to her.  On May 20, 2016 a corporate customer service representative attempted to contact [redacted] to advise of the information regarding her RushCard account.   We appreciate [redacted] feedback. Our customer’s access to their funds is a top priority at RushCard and expedited resolution is our goal.          Regards, Corporate Customer Service

Revdex.com
7 W Seventh St Suite 1600
Cincinnati Ohio 45202
Re:  [redacted]
March 21, 2014
We received Mr. [redacted]’s complaint regarding access to her
funds and her card recently being blocked. RushCard logs all customer contact
and activity associated with financial cards.
Rushcard’s standard operating procedures
require that we monitor our customer accounts for suspected fraudulent
activity, including identity theft, and block suspicious accounts in order to
protect our customers and our business.  At any time we suspect suspicious
activity such as “account take over” our Risk department may block a member’s
account to validate and verify the identity of the card-holder. This was the
case with Mr. [redacted] where we blocked his card on 2/27/2014. We requested
copies of valid DL/State ID, SS card and proof of address dated within the last
30 days. There’s acceptable documents we accept as proof of address and all
have to be dated within the last 30 days, I’ve listed them below:
VALID PROOF OF ADDRESS
Utility bill (gas, electric, water,
etc.)
Phone bill
Paycheck stub
Benefits letter (child support, food
stamps/assistance)
Insurance bill (car, house/renters)
On 3/5/2014 per Mr. [redacted]’s request we returned his federal
tax return of $7,699.00 back to the IRS. On 3/20/2014 we returned his direct
deposit of $374.05 back to the remitter.
We appreciate Mr. [redacted]’s feedback. This measure is in
place to protect our customers and the integrity of our company as well.
Regards,
[redacted]
CS – Audit/Compliance Analyst

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,[redacted]Last four digits of [redacted]Last four digits of card: [redacted]I am in receipt of the response from Rush card to the Revdex.com in reference to my complaint. I am not satisfied because I have NOT receieved my MONEY so it IS NOT RESOLVED. I don't know about alot of people but I do not KNOW for me $[redacted]is alot of money to have to wait for 45 days for when it only took seconds to place the  charge against my card. Then to get three (3) DIFFERENT RESPONSES from CUSTOMER SERVICE REPRESENTATIVES (who are obviously reading from a script) tell me three different things especially one that said that on Wednesday, February 4th at 10PM, that I should see some "activity" in my account 1-2 business days (which by my calendar would have been no later than 10PM on Friday, February 6th).  But nothing has happened which is disgusting to me. I check my account every hour on the hour.  As you can see, that explantion is not flying with me. I WANT MY MONEY.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Rushcard does not do credit advances.  Rushcard is not a bank, Meta Payment Systems, a division of [redacted] is in an agreement with UniRush, LLC, to issue the Prepaid Rushcards. If Rushcard had the authorization to do preauthorized credits, they would have to go through [redacted], but [redacted] would need to do a credit check on me to authorize a credit to my prepaid card, I checked [redacted] has not done a credit check on me. I do not have an account with [redacted]. I have not received any phone calls or messages from Rushcard. Rushcard is not a credit card, I copied and pasted the terms and conditions below from Rushcards website, https://www.rushcard.com/legal/cardholder-agreement  Please review the section Preauthorized credits. 
PREPAID VISA® RUSHCARD CARDHOLDER AGREEMENT
IMPORTANT – PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE RESOLVED BY BINDING ARBITRATION.
This Cardholder Agreement ("Agreement"), effective on November 17th, 2014, outlines the terms and conditions under which the Prepaid [redacted] RushCard has been issued to you by [redacted]® ("[redacted]" or "Issuer"). By accepting, signing or using the Card, you agree to be bound by the terms and conditions contained in this Agreement. "Card" or "RushCard" means the Prepaid [redacted] RushCard. "Card Account" means the records maintained to account for the funds associated with the Card. "Load" means adding funds to your Card, including without limitation direct deposits. "Unload" means to remove funds from your Card by any means, including without limitation making purchases or withdrawals. "You" and "your" mean the person who applied for the Card and is authorized to use the Card as set forth in this Agreement. "We," "us," and "our" mean the Issuer, our successors, affiliates or assignees. "Designated Loading Point" is any participating establishment that will accept cash value loads to be credited to your Card as specified atwww.rushcard.com. "Program Provider" or "UniRush" means UniRush, LLC. UniRush offers the Card program to consumers and is an Independent Sales Organization ("ISO") pursuant to an agreement with the Issuer. The Card will remain the property of the Issuer and must be surrendered upon demand. You may not transfer the card to any other person. The Card may be canceled, repossessed, or revoked at any time without prior notice, subject to applicable law.
Using a RushCard
You acknowledge and agree that the funds available on the Card are limited to the funds that you have loaded or have been loaded on your behalf minus any pending loads or pending authorizations and funds unloaded from the Card which includes any and all applicable fees. You should safeguard your RushCard with the similar care you would give to cash. Keep the Card in your possession and do not give the Card to anyone else to use. You agree to sign the back of the Card promptly upon receipt. The Card is a prepaid card which allows you to access the available funds on your Card. The Card is not a checking or savings account and is not connected in any way to any other accounts. The Card is not a credit card. The Card is not a gift card and should not be used for gifting purposes. The Card is not for resale. You will not receive any interest on your funds loaded on the Card. 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 or represents illegal or fraudulent activity. All funds are insured by the Federal Deposit Insurance Corporation ("FDIC") subject to applicable limitations and restrictions of such insurance. Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any reference 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. Keep the paper in a safe place. Please read this Agreement carefully and keep it for future reference.
Opening a RushCard
Important information for opening a Card: To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT ACT requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card. What this means for you: When you open a Card, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may ask to see a copy of your driver’s license or other identifying documents. Even after you receive your Card and after you have used the Card, we may limit your ability to use the Card or certain Card features including without limitation loads until we are able to successfully verify your identity. You agree, represent and warrant that (1) you are 18 years of age or you are at least 13 years of age and have your parent’s or guardian’s consent to open a Card; (2) your personal information is true, correct, and complete; (3) you are a U.S. citizen or legal alien residing in the United States (excluding Vermont) or the [redacted]; (4) you have provided us with a verifiable U.S. street address (not a P.O. Box); and (5) you have read this Agreement and agree to be bound by and comply with the terms of this Agreement.
RushCard Activation
Your RushCard will be initially activated when you successfully set a PIN (defined below) and load funds onto it in accordance with the rules applicable to the Card program in an amount greater than or equal to the Card One-Time Card Fee. See the Fee Schedule for details. If you load funds onto your Card without setting up a PIN, you will not be able to access to the funds until you set up your PIN. After the initial activation, if your Card has to be reissued for any reason, including expiration, you may activate the Card by following the instructions that accompany the Card. The expiration date of the Card is identified on the front of your Card.
Fee Schedule
All fees will be unloaded from the funds on your Card. Fees will be assessed as long as there is a remaining balance on your Card, except where prohibited by law. Any time your remaining Card balance is less than the fee amount being assessed, the balance of your Card will be applied to the fee amount. With the exception of an ATM Balance Inquiry Fee, International ATM Balance Inquiry Fee, or Expedited Card Fee, this will result in a zero balance on your Card. With respect to an ATM Balance Inquiry Fee, International ATM Balance Inquiry Fee, or Expedited Card Fee, this will result in a negative balance on your Card. If that occurs, funds subsequently deposited into your Card will be applied to the negative balance. If your Card has a negative balance, to the extent permitted by law, we may, at our option and without waiving any of our rights, offset any direct loss up to the amount suffered by us as a result of such use from any balance on your Card or any other RushCard(s) you may have, or you may open in the future. We reserve the right to immediately close your Card and any other Prepaid [redacted] RushCard(s) with us you may have without notice to you.
Fee
Rush Unlimited Plan
Pay As You Go Plan
Description
One-Time Card Fee
$3.95-$9.95
$3.95-$9.95
The One-Time Card Fee is based on the plastic design requested and is paid by you when you first load funds on your Card.
Monthly Fee
$7.95 OR $5.95 if you receive a payroll/government benefit Direct Deposit in the calendar month
NO CHARGE
Monthly Fee assessed on the first day of every month. For your first month, the Monthly Fee may be prorated based on the date you first load funds on your Card.
Transaction Fee
NO CHARGE
$1.00 each, limited to $10.00 total (Transaction Fees and International Transactions Fees as identified below) in each calendar month.1
Assessed each time you make a signature purchase transaction (you sign the receipt or device at the time of purchase or purchase online) or PIN purchase transaction (you input your PIN before making a purchase).
Add Money Fee
NO CHARGE
NO CHARGE
Third party load partners may charge a fee for use of their services.
Toll-Free Telephone Balance Inquiries
NO CHARGE
NO CHARGE
You may call the phone number printed on your Card at any time to receive your balance using our automated Voice Response system.
ATM Balance Inquiry Fee – In Network2
NO CHARGE
NO CHARGE
No additional fees will be assessed by either RushCard or the ATM operator at ATMs within the MoneyPass network.
ATM Balance Inquiry Fee – Out of Network3
$0.50
$0.50
Assessed if you request a Card balance at an Out of Network ATM located in the 50 [redacted]. You may be charged an additional fee by the ATM operator even if you do not complete a transaction. This ATM fee is a third party fee amount assessed by the individual ATM operator and will be charged to your Card.
ATM Withdrawal Fee – In Network2
NO CHARGE
NO CHARGE
No additional fees will be assessed by either RushCard or the ATM operator at ATMs within the MoneyPass network.2
ATM Withdrawal Fee – Out of Network3
$2.50
$2.50
Assessed if you use your Card to obtain cash from an Out of Network ATM located in the [redacted] or the [redacted]. You may be charged an additional fee by the ATM operator even if you do not complete a transaction. This ATM fee is a third party fee amount assessed by the individual ATM operator and will be charged to your Card.
Rush Bill Pay Enrollment Fee
NO CHARGE
NO CHARGE
There is no additional fee to enroll in Rush Bill Pay.
Over the Counter Withdrawal Fee
$2.50
$2.50
Assessed if you withdraw money over the counter at a financial institution.
Card To Card Transfer Fee
Personal Card-to-Card (transfers between the same Cardholder): NO CHARGE Cardholder-to-Cardholder:$0.99
Personal Card-to-Card (transfers between the same Cardholder): NO CHARGE Cardholder-to-Cardholder: $0.99
Assessed if you initiate a transfer of your funds from one Card to another Card.
Replacement Card Fee
First Card replacement in any 12 month period at NO CHARGE - $4.95 for each Card replacement within 12 months thereafter.
First Card replacement in any 12 month period at NO CHARGE -$4.95 for each Card replacement within 12 months thereafter.
No One-Time Card Fee will be assessed if you keep the same Card design. If you wish to change your Card design, the applicable One-Time Card Fee will be assessed as described above. This fee will vary depending on the Card design you choose.
Expedited Card Fee
$30.00
$30.00
Assessed if you request to issue your Card in the expedited time frame of two to three days.
Expedited Cash Fee
$30.00
$30.00
Assessed if you request to receive the balance of your Card sent to you via cash through one of our Designated Loading Partners if you have reported your Card as lost or stolen and do not have access to your Card balance.
Paper Statement Fee
$1.00
$1.00
Assessed each time you request a paper statement be mailed.
Maintenance Fee
NO CHARGE
$1.95
As permitted by law, Maintenance Fee will be assessed if there are no transactions or loads posted to your Card for at least ninety (90) consecutive days. Maintenance Fee is assessed each month and will be deducted from your Card balance until you next use your Card.
INTERNATIONAL FEES
International Transaction Fee4
NO CHARGE
$2.00 each, limited to $10.00 total (Transaction Fees and International Transactions Fees) in each calendar month.1
Assessed if you make an international signature purchase transaction (you sign the receipt or device at the time of purchase or purchase online) or PIN POS purchase transaction (you input your PIN before making a purchase). The purchase would be made outside the [redacted] or the [redacted].
International ATM Balance Inquiry Fee4
$1.00
$1.00
Assessed if you request a Card balance at an ATM located outside the [redacted] or the [redacted]. You may be charged an additional fee by the ATM operator even if you do not complete a transaction. This ATM fee is a third party fee amount assessed by the individual ATM operator and will be charged to your Card.
International ATM Withdrawal Fee4
$2.50
$2.50
Assessed if you use the Card to obtain cash from an ATM located outside the [redacted] or the [redacted]. You may be charged an additional fee by the ATM operator even if you do not complete a transaction. This ATM fee is a third party fee amount assessed by the individual ATM operator and will be charged to your Card.
Currency Conversion Fee
See Description
See Description
You may be charged a fee of up to 3% of the converted U.S. dollar amount of any transaction made in a currency other than U.S. dollars. See section 15 for additional information.
Over the Counter Withdrawal Fee4
$2.50
$2.50
Assessed if you withdraw money over the counter at an international financial institution
1 The combined total of Transaction Fees and International Transaction Fees is limited to $10.00 in each calendar month and is based on the date the transaction is posted to your card account as reflected on your statement.
2 "In Network" refers to the MoneyPass ATM network. Locations of MoneyPass ATMs can be found at www.rushcard.com or www.moneypass.com.
3 "Out of Network" refers to all ATMs outside of the MoneyPass ATM network. When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
4 Currency Conversion Fee also applies.
Personal Identification Number
When you activate your RushCard, you must select a Personal Identification Number ("PIN") to be assigned to your Card. Protect your PIN as you would protect your Card. You 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 notify us immediately. Also, please review the paragraph labeled "Your Liability for Unauthorized Transfers."
Authorized Card Users
You may not permit another person to have access to your Card or Card number. If you provide access or permit another person to use your Card or Card number then you are liable for all transactions and fees incurred by such use of your Card.
Secondary Cardholder/Companion Cards
Your RushCard is for use by you. You may not request an additional Card for another person. We do not offer companion or secondary Cardholder Cards. You may not attempt to load your Card with direct deposits designated to another person and no one but you may load funds to the Card.
Cash Access
With your PIN, you may use your Card to obtain cash from any Automated Teller Machine ("ATM") or any Point-of-Sale ("POS") device, as permissible by a merchant that bears the Visa, Interlink®, Plus®, Maestro®, or MoneyPass® Acceptance Mark. MoneyPass is a surcharge-free ATM network. See www.rushcard.com for a complete list of all surcharge-free MoneyPass ATMs. All ATM transactions are treated as cash withdrawal transactions. You may use your Card at an ATM. The maximum withdraw from an ATM in one transaction is $500.00. The maximum cumulative amount that may be withdrawn from multiple ATMs per 24 hour period is $500.00. You may use your Card to withdraw cash from a bank (over the counter withdrawal). The maximum amount of one over the counter withdrawal is $1,500.00. The maximum cumulative amount that may be withdrawn from multiple over the counter withdrawals per 24 hour period is $1,500.00.
Loading a RushCard
You may add funds to your Card, called "value loading", at any time. You may add value or load your Card via direct deposit, ACH transaction from your checking or savings account, Card-to-Card transfers, PayPal, or cash at any Designated Loading Point. See www.rushcard.com for a complete list of Designated Loading Points. You may also obtain information on how to load your Card at www.rushcard.com. The minimum amount of the initial value load and each value reload is $0.01. The maximum amount of each load is below.
Load Type
Load Limit
Cash
$1,000.00 total per 24 hour period
Card-to-Card transfer between two Cardholders
$2,000.00 total per month
Card-to-Card transfer - one Cardholder with two or more Cards
$2,000.00 total per 24 hour period & $5,000.00 total per month
ACH/Direct Deposit via employer issued payroll
$5,000.00
ACH via PayPal, Government Benefits, or Child Support
$2,000.00
ACH - Tax Refund
$9,999.99
You will have access to your funds at the times noted below. The access times vary with each load method.
Load Type
Access
Direct Deposit/ACH
Usually same day as received; maybe up to 2 days early based upon source of the direct deposit and the timing of the payer funding
Cash Load
Usually within one (1) hour, but no later than the next business day
RushCard to RushCard Transfer (1 or 2 Cardholders)
Usually on the date specified by you, but no later than the next business day
PayPal
Same day as received
All checks (personal, payroll, cashiers) and money orders sent to the Issuer for Card loading will be returned unless we decide in our discretion to load the full amount to apply the check or money order towards a negative balance. Remote check deposit is available through [redacted], Inc. (a third party under contract with UniRush to provide you this service) via our mobile app. Terms and conditions apply to the remote check deposit. Visit the mobile app for more details.
Direct Deposit
The direct deposit account number associated with your Card cannot be used for payment (preauthorized direct debits from merchants or from utility or Internet service providers). Instead, please use Rush Bill Pay for payments to merchants, utility or internet service providers, see section 11 for details. If a merchant or provider presents the direct deposit number for a payment, this will be declined and your payment to the merchant or provider will not be processed. 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 give the bank routing number and direct deposit account number to anyone other than your employer or payer. YOU AGREE THAT ONLY DIRECT DEPOSITS IN YOUR NAME WILL BE LOADED TO THE CARD. ALL DIRECT DEPOSITS IN THE NAME OF ANYONE ELSE WILL BE DECLINED AND RETURNED.
Card Features/Usage Details
Card Details. The maximum combined amount that can be unloaded from your Card per 24 hour period is $2,500.00. The maximum combined value on your Card is $9,999.99. For security reasons, we may further limit the amount, type, or number of transactions you can make on your Card at any time in our discretion. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction.
Purchase Details. You may use your Card to purchase or lease goods or services anywhere debit cards, Interlink cards and Maestro cards are accepted as long as you do not exceed the value available on your Card. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself.
Funds Available. 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, you shall remain fully liable to us for the amount of the transaction.
Split Transactions. Some merchants do not allow Cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount you request to be withdrawn from the funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined.
Authorization Holds. If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount (place a hold) on your Card Account of up to $75.00 or more. This may cause your Card to be declined even though you have sufficient funds on your Card to pay for the transaction. If this happens, pay for your purchase inside and tell the cashier exactly how much you want to spend. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant or we may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on "hold" will be removed. It may take up to thirty-five (35) days for the "hold" to be removed. During the hold period, you will not have access to the preauthorized amount. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.
Preauthorized credits: If you have arranged to have direct deposits made to your RushCard at least once every 60 days from the same person or company, you can call us at ###-###-#### or email us at [email protected] to find out whether or not the deposit has been made.
Right to Stop Payments. If you have set up regular payments from your Card, you may stop any of these payments. Here is how: Stop the Payment in Rush Bill Pay or call customer service at 1-866-RUSHCARD (###-###-####) and request a stop payment at least 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to send us your request in writing within 14 days after you call. Notice of varying amounts. If these regular payments may vary in amount, the party 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.)
Rush Bill Pay. We make available to you a billpayer system, Rush Bill Pay, which allows for payment to third parties via a pre-authorized electronic deduction or by issuing a paper check. Any payments made through this system will be deducted from the funds on your Card within twenty-four (24) hours or on any future date specified by you. If you do not have the funds available at the time we attempt to make the payment from your Card, the payment will not be made. If you have scheduled multiple payments to be made and the funds on your Card are not sufficient at the time we attempt to complete all of the scheduled payments, we pay only those for which your balance is sufficient to cover, starting with the lowest dollar amount payment. We will notify you by email of any failed attempts to make payments from your Card.
Non-[redacted] Debit Transactions
New procedures are in effect that may impact you when you use your Card at certain merchant locations. In the past, transactions have been processed as [redacted] transactions unless you entered a PIN. Now, if you enter a PIN, transactions may be processed as either a [redacted] debit transaction or as a Maestro transaction.
Merchants are responsible for and must provide you with a clear way of choosing to make a [redacted] debit transaction if they support the option. Please be advised that should you choose to use the Maestro network when making a transaction with a PIN, different terms may apply, such as MasterCard® zero liability, see section 20 for more details. Certain protections and rights applicable only to [redacted] debit transactions as described in this Agreement will not apply to transactions processed on the Maestro network. Please refer to the paragraph labeled "Your Liability for Unauthorized Transfers" for a description of these rights and protections applicable to [redacted] debit and non-[redacted] debit transactions. To initiate a [redacted] debit transaction at the POS, swipe your Card through a POS terminal, sign the receipt, or provide your Card number for a mail order, telephone, or Internet purchase. To initiate a non-[redacted] debit transaction at the POS, enter your PIN at the POS terminal or provide your Card number after clearly indicating a preference to route your transaction as a non-[redacted] debit transaction for certain bill payment, mail order, telephone, or Internet purchases.
Returns and Refunds
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 for such refunds and agree to the refund policy of that merchant. Neither the Issuer nor UniRush are responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase with a Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided.
Card Replacement
If you need to replace your Card for any reason, please contact us at 1-866-RUSHCARD (###-###-####) to request a replacement Card. You will be required to provide personal information which may include your Card number, full name, transaction history, copies of accepted identification, etc. There may be a fee to replace your Card. See Fee Schedule for additional information.
Transactions Made In Foreign Countries/Currencies
If you obtain your funds or make a purchase in a currency other than in US dollars, the currency which your Card was issued, the amount deducted from your funds will be converted by the network or payment association into US dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by the network or payment association from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate the network or payment association itself receives, or the government-mandated rate in effect for the applicable central processing date. If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, you will be assessed a foreign currency conversion fee of 3% of the transaction amount unloaded from the funds on your Card and will retain this amount as compensation for its services. Transactions made outside of the 50 United States and the [redacted] are also subject to this conversion fee even if they are completed in U.S. currency. For security reasons, Issuer or UniRush may limit or deny use of your Card in certain foreign countries or charge you a fee for such usage, see the Fee Schedule for additional information.
Receipts
You should get a receipt at the time you make a transaction using your Card. You agree to retain, verify, and reconcile your transactions and receipts.
Card Balance/Periodic Statements
You are responsible for keeping track of your Card’s available balance. Merchants generally will not be able to determine your available balance. It’s important to know your available balance before making any transaction. You may obtain information about the amount of funds you have remaining on your Card by calling the phone number on the back of your Card or visiting us online at www.rushcard.com. Balance information, along with a sixty (60) day (or more) history of Card transactions is also available online at no additional cost at www.rushcard.com. You also have a right to obtain a sixty (60) day written history of Card transactions by calling the phone number on the back of your Card or by writing us at UniRush LLC, P.O. Box 42482, Cincinnati, OH 45242 and requesting the Card history. There is a fee to receive your Card history in writing, see the fee schedule for details. You will not receive paper statements in the mail unless you request paper statements be mailed to you and pay the applicable fee.
Confidentiality
We may disclose information to third parties about your Card or the transactions you make:
Where it is necessary for completing transactions;
In order to verify the existence and condition of your Card for a third party, such as a merchant;
In order to comply with government agency, court order, or other legal or administrative reporting requirements;
If you consent by giving us your written permission;
To our employees, auditors, affiliates, service providers, or attorneys as needed; or
Otherwise as necessary to fulfill our obligations under this Agreement.
Our Liability for Failure to Complete Transactions
If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
If through no fault of ours, you do not have enough funds available on your Card to complete the transaction;
If a merchant refuses to accept your Card;
If an ATM where you are making a cash withdrawal does not have enough cash;
If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
If access to your Card has been blocked after you reported your Card lost or stolen;
If access to your Card has been blocked by us for suspected fraud.
If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;
If we have reason to believe the requested transaction is unauthorized;
If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
Any other exception stated in our Agreement with you.
Lost or Stolen Cards/Your Liability for Unauthorized Transactions
Network transactions. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone else has transferred or may transfer money from your Card, call us at 1-866-RUSHCARD (###-###-####).
Under [redacted] U.S.A. Inc. Operating Regulations, your liability for unauthorized [redacted] debit transactions on your Card is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by [redacted] or ATM cash withdrawals.
Under MasterCard zero liability rules, your liability for unauthorized MasterCard debit transactions using your PIN on the Maestro network with your Card account is $0.00 if you notify us within two (2) business days and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. This reduced liability does not apply if a PIN is used as a method of verification for a disputed transaction or you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period.
If your Card has been lost or stolen, we will close your Card to keep losses down.
Your Liability for Unauthorized Transfers on your Card.
Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning toll-free at ###-###-#### is the best way of keeping your possible losses down. You could lose all the money in your Card account. If you tell us within 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your electronic history shows transfers that you did not make, including those made by your Card or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your account (if the unauthorized transfer could be viewed in your electronic history), or the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable period.
In case of errors or questions about your Electronic Transfers on your Personalized Card
In case of errors or questions about your Card, call us at the number provided on the back of your Card, write to Cardholder Services at UniRush LLC, P.O. Box 42482, Cincinnati, OH 45242, or email [email protected] as soon as you can. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at the number provided on the back of your Card or writing us at UniRush LLC, P.O. Box 42482, Cincinnati, OH 45242. Fees may apply, see the Fee Schedule for details.
You will need to tell us:
Your name and Card number.
Why you believe there is an error, and the dollar amount involved.
Approximately when the error took place.
If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days.
We will determine whether an error occurred within ten (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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. This type of credit is referred to as a "provisional" (or temporary) credit. 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. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation. If you have any further questions regarding our error resolution procedures, please contact us by calling us at ###-###-#### or via email at [email protected].
IMPORTANT: If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not provide a provisional credit to your Card.
Miscellaneous Terms/Governing Law
The 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 any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, 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 Delaware except to the extent governed by federal law.
Amendment and Termination/Cancellation
We may amend or change the terms and conditions of this Agreement at any time. Please review the latest Agreement online at www.rushcard.com. If required by applicable law, you will be notified of any change prior to the effective date of the change. If the change is made for certain reasons such as security purposes, we can implement such change without prior notice. We may cancel or suspend your Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.
For security or other reasons, we may consider your Card inactive or dormant after a certain period of time as determined by us (such period normally being not less than 45 days) during which time you have not used your Card for any transactions or during which time you have maintained a zero or negative balance on your Card. If your Card is inactive, we may close or cancel the Card at our discretion. The Card and the funds loaded on your Card also may be deemed abandoned after a period of time specified by applicable law. Card funds that are presumed to be abandoned will be escheated to the appropriate state in accordance with applicable law. If your Card is closed with a negative balance, we may in our discretion (1) close your other Cards and/or (2) block you from applying for a new Card until you bring the Card with the negative balance positive, or (3) to the extent permitted by law, we may, at our option and without waiving any of our rights, offset any direct loss up to the amount suffered by us as a result of such use from any balance on your Card or any other Prepaid [redacted] RushCard(s) you may have, or you may open in the future.
In the event that your Card is cancelled, closed, or terminated for any reason, you may request the unused balance, to be returned to you via a check to the mailing address we have in our records. We reserve the right to refuse to return any unused balance amount less than $1.00.
If we identified any fraudulent, illegal or any other use of your Card which is not permitted by this Agreement, to the extent permitted by law, we may, at our option and without waiving any of our rights, offset any direct loss up to the amount suffered by us as a result of such use from any balance on your Card or any other Prepaid [redacted] RushCard(s) you may have, or you may open in the future. We reserve the right to immediately close your Card and any other Prepaid [redacted] RushCard(s) with us you may have without notice to you.
As Program Provider for your Prepaid [redacted] RushCard, UniRush has certain responsibilities with respect to you and your Card Account as described in this Agreement. One of those responsibilities is to choose the issuing bank for your RushCard and to direct the funds in your Card Account to be deposited at that issuing bank. By accepting and using your RushCard you appoint UniRush as custodian for your Card Account solely for the purpose of choosing the issuing bank for your RushCard and directing the funds in your Card Account to be deposited at the issuing bank. You acknowledge and agree that UniRush may choose to change the issuing bank for your RushCard at any time in UniRush’s sole discretion and direct the issuing bank to transfer the funds in your Card Account to the successor issuing bank selected by UniRush. UniRush will send written notice to you either electronically (if you have agreed to receive notices from UniRush electronically) or at the mailing address UniRush has on file for you, at least thirty (30) days before UniRush chooses to change the issuing bank for your Prepaid [redacted] RushCard and direct the transfer of funds to the successor issuing bank. The notice will include instructions describing how and when you may opt-out of the transfer of the funds in your Card Account. Opting-out of such a transfer will result in the closing of your RushCard and UniRush will return any funds in your Card Account, in excess of $1.00, by issuing a check to you. Under these circumstances, no fee will be charged for the check.
English Language Controls
Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.
Customer Service
For customer service or additional information regarding your Card, please contact us at 1-866-RUSHCARD (###-###-####) or:
UniRush, LLCP.O. Box 42482Cincinnati, OH 45242Email: [email protected]
For your security, please DO NOT send the following information via e-mail:
Your 16 digit Account numberYour Personal Identifiable Information – such as Social Security Number or BirthdateYour RushCard logon information (User ID or password)Images of Identification (your state issued ID or social security card)
Customer Service agents are available twenty-four (24) hours a day, seven (7) days a week.
Telephone Monitoring/Recording/Calling & Solicitation
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. To the extent permitted by applicable law, you consent and agree that RushCard and service providers under contract to provide services for RushCard may contact you at any telephone number(s) that you provided or any number RushCard has for you in its records, including your cellular or other wireless device to service your Card. RushCard has your permission to contact you by any means available, including by text message. You also agree that RushCard may contact you using prerecorded messages or automatic dialers.
No Warranty Regarding Goods or Services
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. You understand and agree all issues with the quality, safety, legality or any other aspect or services you purchase with a RushCard must be addressed and handled directly with the merchant from whom those goods or services were provided.
Your Change of Address
You are responsible for notifying us promptly upon a change to your address. If your address changes to a non-US address or a US address in the state of Vermont, we may close your Card and return or make the available funds to you.
Privacy and Data Protection
Information We Collect ("Cardholder Information")
Information about purchases made with the Card, such as date of purchase, amount and place of purchase;
Information provided to us when the Card is requested; and
Information you provide when you call about the Card.
Information Security:
Only those persons who need it to perform their job functions 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.
Disclosure:
We may use Cardholder Information to provide customer service, to develop marketing programs, to help protect against fraud and to conduct research and analysis. 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 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.
Other Important Information
If you are a resident of California or Vermont, we will not share with non-affiliates except for our own marketing purposes, our everyday business purposes, or with your consent. Nevada residents: We are providing this notice pursuant to Nevada law.
ARBITRATION
Any claim, dispute, or controversy ("Claim") arising out of or relating in any way to: (i) this Agreement; (ii) your Card; (iii) the Cards of any additional cardholders designated by you; (iv) your purchase of the Card; (v) your usage of the Card; (vi) the amount of available funds on the Card; (vii) advertisements, promotions or oral or written statements related to the Cards, as well as goods or services purchased with the Card; (viii) the benefits and services related to the Cards; or (ix) transaction on the Card, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16).
We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take place in the federal judicial [redacted] your residence.
ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.
For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: AAA, at 335 Madison Avenue, New York, NY 10017 or at www.adr.org. All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made final exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.
NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.
This arbitration provision shall survive: (i) the termination of the Agreement; (ii) the bankruptcy of any party; (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity; or (iv) expiration of the Card. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force
IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD. SAVE YOUR RECEIPT AND CALL US AT THE NUMBER PROVIDED ON THE BACK OF YOUR CARD TO CANCEL AND TO REQUEST A REFUND.
Disclaimer of Warranties
EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT OR REQUIRED BY LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, WHETHER EXPRESS OR IMPLIED, REGARDING THE CARD, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
Limited Liability.
UNLESS OTHERWISE REQUIRED BY LAW OR THIS AGREEMENT, [redacted] OR UniRush WILL NOT BE LIABLE TO YOU FOR: DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; THE FAILURE OF MERCHANTS TO HONOR THE CARD; THE FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES; COMMUNICATION SYSTEM FAILURES; OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, OR ANY PAYMENT SYSTEM. IN THE EVENT THAT EITHER [redacted] OR UniRush IS HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOUR RECOVERY FOR ANY ALLEGED NEGLIGENCE OR MISCONDUCT BY THE [redacted] OR UniRush SHALL BE LIMITED TO THE TOTAL AMOUNT LOADED ON THE CARD.
This Cardholder Agreement is effective 11/17/2014.
This Card is issued by [redacted], Member FDIC.[redacted]
[redacted]
For customer service or additional information regarding your Card, please contact us at 1-866-RUSHCARD (###-###-####) or:
UniRush, LLCP.O. Box 42482Cincinnati, OH 45242
© 2004-2014 [redacted]
 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10041261, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.While
I am appreciative that Mr. [redacted] responds to the complaint, he does NOT
address my question with the details I have asked for. My direct
question is WHAT TRANSACTIONS DID THEY (RUSH CARD) BASE THEIR DECISION TO CLOSE
MY ACCOUNT ON? As I have stated in previous correspondence, there
have been NO "out of the ordinary" activity on my account. I would
like a straight answer as to why my account was closed. Although I received the
bill payment check for the balance of my funds, I still incurred extra charges
due to the lack of accessibility of my funds. It is NOT acceptable to disrupt
people’s lives without cause. I have used Rush Card services for over 5 years
to date and I don’t feel like the response justifies the actions taken. I have provided a copy of my
statements from 5/2011 until 5/2014 to assist Mr. [redacted] in better addressing
my question related to the specific activity that he is speaking of. Also, I would like for him to cite the
specific clause in the Cardholder Agreement that he says Rush Card feels I
violated or wasn’t in compliance with.
Regards,
[redacted]

June 10, 2016   VIA ONLINE SUBMISSION: Revdex.com 1 E. Fourth Street, Suite 600 Cincinnati, OH 45202  ...

Re:                   Consumer:  [redacted] Complaint number:  Revdex.com [redacted]             Complaint date:  June 9, 2016                         To Whom It May Concern:   This letter is in response to the consumer complaint # [redacted] referenced above.  UniRush, LLC which is the program manager for the Rushcard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources.    [redacted] complaint contends that the merchant [redacted] over charged her and she called Rushcard customer service to have the funds credited back to her account. [redacted] also states that the agent she spoke to was rude and she is requesting a refund.       On June 10, 2016 a RushCard corporate customer service specialist attempted to contact [redacted] to advise that the pending hold for [redacted] had been released, and per RushCard’s Card Holder Agreement, if the card is used at a restaurant, a hotel, car rental or for similar purchases, that the merchant or we may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred.   We appreciate [redacted] feedback and sincerely apologize for the substandard customer service she received when contacting RushCard Customer Service. Our goal is to provide financial convenience supported by reliable customer service.       Regards,   RushCard Corporate Customer Service