Stride Bank issues the card; Affirm is its service provider; Affirm Savings is outside the agreement
The Card is issued by Stride Bank, N.A., member FDIC. The Bank has retained Affirm, Inc. as the service provider for the Card, and Affirm may also offer separate products and services outside that role. Affirm Savings — a savings account held by Cross River Bank, member FDIC, and serviced by Affirm — is not provided by Stride Bank, is outside the scope of this Agreement, and has no relationship with the Bank.
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Supporting quotations
The service provider for the Card is Affirm, Inc. ("Service Provider" or "Affirm").
Affirm Savings is not provided by Stride Bank, N.A., Member FDIC (the "Bank").
For the avoidance of doubt, Affirm Savings is outside the scope of this Agreement and has no relationship with the Bank.
ATM access is not available to all cardholders; ATM limits are cross-referenced
The cardholder overview states that ATM access is not available to all cardholders and cross-refers to a separate provision for ATM limits. The substantive ATM and Cashback limits are set out later in the Agreement and are analyzed in that packet; this card records only that the overview does not promise ATM access to every cardholder.
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Supporting quotations
ATM access is not available to all cardholders.
Qualifications & exceptions
Overview statement only; the ATM/Cashback limits appear later in the Agreement and are carded there.
Account & Service Control · Restriction or exception
Suspected violation can cut the limit to $50, suspend or lock the card, or lead to declines
The Bank may set the Transaction Limits at $50 (or another disclosed amount), or suspend or lock use of the Card or Card Account, if it believes the cardholder violated this Agreement or another agreement with Affirm or a financial institution partner in connection with an Affirm product or service. The Bank may in its sole discretion allow the cardholder to exceed limits from time to time but is not required to, and it may decline any transaction that would cause the cardholder to exceed a limit.
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Supporting quotations
your Transaction Limits will be $50 (or such other amount we disclose to you), or we may suspend or lock your use of the Card or Card Account, if we believe you have violated the terms of this Agreement or any other agreement you have with Affirm or a financial institution partner in connection with any Affirm product or service.
In our sole discretion, we may allow you to exceed these limits from time to time, but are not required to do so.
We may decline any transaction that would cause you to exceed any of these limits.
Account & Service Control · Restriction or exception
The Card remains the Bank's property, is non-transferable, and can be canceled, repossessed or revoked
The Card remains the property of the Bank and must be surrendered on demand. It is non-transferable and may be canceled, repossessed or revoked at any time without prior notice, subject to applicable law. The cancellation section adds that the Bank may refuse to issue a Card, revoke card privileges or cancel a Card with or without cause or notice, except as applicable law requires.
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The Card will remain the property of the Bank and must be surrendered upon demand. The Card is non-transferable, and it may be canceled, repossessed, or revoked at any time without prior notice, subject to applicable law.
The Bank may refuse to issue a Card, revoke Card privileges or cancel your Card with or without cause or notice, other than as required by applicable law.
Qualifications & exceptions
The no-notice power is qualified by applicable law, which may require notice.
Account & Service Control · Restriction or exception
Card is limited to consumers residing in the 50 states or DC; the Bank may extend it to other U.S. jurisdictions
The Card is available solely to consumers who are residents of one of the fifty states of the United States or the District of Columbia. The Bank reserves the right, in its sole discretion, to extend availability to residents of additional U.S. jurisdictions, including U.S. territories and possessions, when it decides, without any obligation to amend or otherwise modify the Agreement.
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The Card is available solely to consumers who are residents of one of the fifty (50) states of the United States or the District of Columbia.
We reserve the right, in our sole discretion, to extend availability of the Card to residents of additional U.S. jurisdictions, including U.S. territories and possessions, at such time as we determine, without any obligation to amend or otherwise modify this Agreement in connection with such extension.
Customer service number for lost, stolen or destroyed cards: (855) 423-3729
The Agreement asks the cardholder to keep the customer service telephone number, (855) 423-3729, for future reference in case the Card is lost, stolen or destroyed.
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Please keep for future reference the customer service telephone number, (855) 423-3729, in case the Card is lost, stolen or destroyed.
Account & Service Control · Procedure
Federal identity-verification rules require identifying information; the cardholder certifies it is true
To help fight terrorism financing and money laundering, federal law requires financial institutions and their third parties to obtain, verify and record information identifying each person who obtains a Card. The Bank will ask for name, address, date of birth, social security number or country identification number, and other identifying information, and may ask to see a driver's license or other photo identification. By participating in the program or applying, the cardholder certifies that the information provided — including real name, U.S. mailing and residential address, social security number or identification documentation, date of birth and telephone number — is true, accurate and complete.
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To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who obtains a Card.
we will ask for your name, address, date of birth, social security number or country identification number, and other information that will allow us to identify you.
you certify that all information you have provided to us, including, but not limited to, your real name, valid U.S. mailing address and residential address (if different), social security number or identification documentation, date of birth, telephone number and other information provided at our request, is true, accurate and complete.
Account & Service Control · Restriction or exception
Using a Linked External Account depends on eligibility; the Bank may require one, or require Affirm Savings
Whether the cardholder can use a Linked External Account is based on eligibility. The Bank may require a Linked External Account to use the Card for purchases, and may require that it be Affirm Savings. It may also permit card use without a Linked External Account for a purchase funded by loan proceeds obtained in the App. Certain features are unavailable without a Linked External Account. Eligibility to link an account other than Affirm Savings is shown in the App.
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Your ability to use a Linked External Account is based on eligibility.
We may require you to have a Linked External Account associated with your Card in order to use your Card for purchases. We may also require that your Linked External Account be your Affirm Savings.
we may permit you to use your Card without a Linked External Account to make a purchase using the proceeds of a Loan you obtained in the App prior to making the purchase.
Certain features will not be available if you do not have a Linked External Account associated with your Card.
Account & Service Control · Restriction or exception
A merchant capture above the Affirm Savings balance can zero the balance and lock the card
Some merchants do not request a pre-authorization and instead force-capture amounts. If a merchant captures more than the available balance, the Savings Balance becomes $0.00 and the Card may be locked. The card can be unlocked by making a payment to the Card Account in the App.
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In the event the merchant captures more than your available balance, your Savings Balance will become $0.00. If this happens, your Card may be locked. To unlock your Card, you can make a payment to your Card Account in the App.
Account & Service Control · Restriction or exception
Backup Protection cannot be used for ATM or Cashback withdrawals
Backup Protection is not available for ATM or Cashback withdrawals, so it cannot fund those transactions.
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Backup Protection is not available for ATM or Cashback withdrawals.
Account & Service Control · Procedure
Switching the Linked External Account may be blocked by pending transactions and turns off Backup Protection
If the cardholder is eligible to have a Linked External Account other than Affirm Savings, they may be able to switch which account is the Linked External Account. A switch may not be possible while there are pending card transactions. If the cardholder has Backup Protection and switches to an account other than Affirm Savings, Backup Protection turns off automatically.
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If you are eligible to have a Linked External Account other than your Affirm Savings, you may be able to switch which account is your Linked External Account.
You may not be able to switch which account is your Linked External Account if you have any pending Card transactions.
If you sign up for Backup Protection and switch to a Linked External Account other than your Affirm Savings, your Backup Protection will turn off automatically.
Qualifications & exceptions
Switching requires eligibility and is unavailable with pending card transactions.
Switching away from Affirm Savings disables Backup Protection.
Account & Service Control · Context
The card is a debit card accessing the Card Account, not a credit, prepaid or gift card
The Card is a debit card that accesses the Card Account at the Bank. Funds in the Card Account are FDIC-insured up to the applicable federal limit, subject to law. The Card cannot access credit or any loan; it is not a credit card, prepaid card or gift card and may not be gifted, sold or transferred. The Card Account does not bear interest, though loans applied for and approved in the App, outside the Card Account, may bear interest under the separate Loan Agreement.
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Supporting quotations
The Card is a debit card that accesses your Card Account at the Bank.
The funds in your Card Account, if any will be FDIC-insured up to the applicable federal limit, pursuant and subject to applicable law.
You cannot use the Card to access credit or any loan.
The Card is not a credit card, prepaid card, or a gift card and may not be gifted, sold or transferred.
The Card Account does not bear interest, though Loans applied for and approved with the App (and outside of the Card Account) may be subject to interest charges.
Qualifications & exceptions
FDIC insurance is subject to the applicable federal limit and applicable law.
Loan interest arises under the separate Loan Agreement, not the Card Account.
Card expiry and replacement: the account does not expire, and replacement disables the old card
The Card's expiration date is listed on the Card. The Card Account and underlying funds do not expire. When the Card expires, the Bank may send a replacement. If a replacement Card is issued for any reason, activating it makes the money in the Card Account accessible only through the replacement, and any previously connected Card can no longer be used. If the Card Account becomes inactive and subject to escheatment under state law, the Bank remits the funds to the cardholder's state of residence under applicable law, and the cardholder may claim them from the state.
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The expiration date of the Card is listed on the Card. The Card Account and underlying funds do not expire.
When the Card expires, we may send you a replacement Card.
If we issue you a replacement Card for any reason, once you activate your replacement Card, any money in your Card Account will become accessible only by your replacement Card, and you will no longer be able to use any other Card that was previously connected to your Card Account.
If your Card Account becomes inactive and subject to escheatment under state law, we will remit funds in your Account to the state of your residence according to applicable law, and you may claim the funds from the state.
A virtual card is issued alongside the physical card and may be used through a third-party wallet
In addition to the physical Card, the cardholder receives a virtual Card. The virtual Card may have a different number from the physical Card, but both are connected to the same Card Account. The Bank may offer use of the virtual Card through a third-party wallet service, which may require accepting additional terms; the Bank is not responsible for the third-party wallet service.
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In addition to the physical Card, you will receive a virtual Card.
The virtual Card may have a different Card number than your physical Card, but both are connected to the same Card Account.
We may give you the opportunity to use a virtual Card through a third-party wallet service. If we do, you may be required to accept additional terms and conditions regarding your use of the virtual Card. We are not responsible for any third-party wallet service.
Account & Service Control · Restriction or exception
Card is for personal, family and household use only; cash equivalents and illegal or high-risk transactions are barred
The cardholder agrees to use the Card and Card Account for personal, family and household purposes only and not for business use. The Card may not be used for cash equivalent transactions, illegal transactions including illegal gambling, or any other transaction the Bank deems fraudulent, suspicious or high risk. The Bank reserves the right to cancel, close or restrict use of the Card and Card Account, including refusing to process a transaction, if it believes the cardholder violated the Agreement or applicable law.
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You agree that the Card and Card Account will be used for personal, family and household purposes only and not for business use.
You may not use the Card for cash equivalent transactions, any illegal transactions, including illegal gambling, or any other transaction we deem fraudulent or suspicious or high risk.
We reserve the right to cancel, close or restrict use of the Card and Card Account, including by refusing the processing of any transaction, if we believe you have violated this Agreement or any applicable law.
Account & Service Control · Restriction or exception
No authorized users: permitting another person to use the card is treated as authorization and creates liability
The cardholder is responsible for all authorized transactions initiated and fees incurred by use of the Card. The cardholder may not permit anyone else to use the Card or Card Account. If another person is given access to the Card or Card Account, that is treated as if the cardholder authorized the use, and the cardholder is liable for all transactions and fees incurred by those persons. That responsibility is subject to the lost-or-stolen-card and unauthorized-transaction sections and other applicable law.
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You are responsible for all authorized transactions initiated and fees incurred by use of the Card.
You may not permit anyone else to use your Card or Card Account.
Without limiting the foregoing, if you permit another person to have access to the Card or Card Account, this will be treated as if you authorized such use and you will be liable for all transactions and fees incurred by those persons.
You are wholly responsible for the use of each Card according to the terms of this Agreement, subject to Section XVI (Lost or Stolen Cards or Unauthorized Transfers) and Section XVIII (Your Liability for Unauthorized Transactions) below, and other applicable laws.
Qualifications & exceptions
Liability for another person's use is subject to Sections XVI and XVIII and other applicable law.
Account & Service Control · Permission or license
The Bank may refuse any transaction or restrict merchant types and category codes
The Bank reserves the right to refuse a transaction the cardholder requests for any reason at its sole discretion. It may restrict the types of merchants and MCC codes where the Card may be used and may change those restrictions without notice unless the law requires notice. It may also refuse to process any transaction it believes may violate the Agreement.
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We reserve the right to cancel, close or restrict use of the Card and Card Account, including by refusing the processing of any transaction, if we believe you have violated this Agreement or any applicable law.
We reserve the right to refuse a transaction you request for any reason at our sole discretion.
We may also restrict the types of merchants and MCC codes where you may use your Card. We may change these restrictions from time to time without notice to you unless required by law.
We may refuse to process any transaction that we believe may violate the terms and conditions of this Agreement.
Qualifications & exceptions
Notice of changed restrictions is required only where applicable law requires it.
Some cardholders with Affirm Savings linked can withdraw cash at ATMs or take merchant Cashback
Some cardholders who have Affirm Savings linked as their Linked External Account may be able to withdraw cash from an ATM or obtain Cashback through a merchant point-of-sale device. Cash cannot be deposited at ATMs. Whether the cardholder has ATM access is shown in the App.
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Some cardholders who have an Affirm Savings linked as their Linked External Account for the Card, may have the ability to withdraw cash from an ATM machine or by using a merchant POS device ("Cashback").
You will not have the ability to deposit cash at ATM machines.
To see if you have ATM access, please check the App.
Qualifications & exceptions
ATM and Cashback access is not available to every cardholder.
Account & Service Control · Company practice
Monthly statements cover card activity and installment loans, with at least quarterly delivery
Affirm makes a periodic statement available for the Card Account each month, covering card and Card Account activity and a summary of the cardholder's current installment loans for that cycle. Statements may be provided through the App and are treated as made available on the day Affirm notifies the cardholder. If the Card Account balance has charged off, Affirm may provide quarterly statements. A statement delivered after a bankruptcy filing is informational only and not an attempt to collect a debt. If the cardholder makes no transfer in a monthly cycle, Affirm may not provide a statement, but it will provide one at least quarterly.
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Affirm will make available to you a periodic statement ("Statement") for your Card Account per month, covering activity on your Card and Card Account and a summary of your current installment loans during each monthly cycle.
Affirm may make your Statements available through the App.
If your Card Account balance has charged off, Affirm may provide you with quarterly Statements.
If you have filed for bankruptcy before any Statement is made available to you, the Statement is for informational purposes only and is not an attempt to collect a debt.
In the event you do not make a transfer in a particular monthly cycle, Affirm may not provide you with a Statement; notwithstanding, Affirm will provide you with a Statement at least quarterly.
Qualifications & exceptions
Statements may be delivered through the App.
A charged-off account may receive quarterly statements.
No statement may issue in a cycle with no transfer, but at least quarterly delivery is promised.
Account & Service Control · Procedure
The cardholder should keep receipts to verify card transactions
The cardholder should get or request a receipt when making a card transaction and agrees to retain the receipts to verify transactions.
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Supporting quotations
You should get or request a receipt at the time you make a transaction using your Card.
You agree to retain your receipts to verify your transactions.
Account & Service Control · Permission or license
The Bank may limit card use or cancel with or without cause or notice, subject to law
The Bank reserves the right, at any time and in its sole discretion, to limit use of the Card, including limiting or prohibiting specific types of transactions. It may refuse to issue a Card, revoke card privileges or cancel a Card with or without cause or notice, except as applicable law requires. Cancellation of card privileges does not otherwise affect the cardholder's rights and obligations under the Agreement. Not all services are available to all persons or at all locations, the Bank may limit provision of services at its discretion, and any offer is void where prohibited. The Bank can waive or delay enforcement of its rights without losing them.
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We reserve the right, at any time and in our sole discretion, to limit your use of the Card, including limiting or prohibiting specific types of transactions.
The Bank may refuse to issue a Card, revoke Card privileges or cancel your Card with or without cause or notice, other than as required by applicable law.
The cancellation of Card privileges will not otherwise affect your rights and obligations under this Agreement.
Not all services described in this Agreement are available to all persons or at all locations. We reserve the right to limit, at our sole discretion, the provision of any such services to any person or in any location. Any offer of a service in this Agreement shall be deemed void where prohibited.
We can waive or delay enforcement of any of their rights under this Agreement without losing them.
Qualifications & exceptions
The no-notice power is qualified by applicable law.
Cancellation does not end obligations under the Agreement.
Service availability varies by person and location and is void where prohibited.
The cardholder may cancel the card by calling, and must not use an invalid card
A cardholder who wants to cancel use of the Card may do so by calling (855) 423-3729. The cardholder agrees not to use, or allow others to use, an expired, revoked, canceled, suspended or otherwise invalid Card.
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If you would like to cancel the use of your Card, you may do so by calling (855) 423-3729.
You agree not to use or allow others to use an expired, revoked, canceled, suspended or otherwise invalid Card.
Replacement cards require identity verification; lost or stolen cards must be disabled immediately
To replace the Card for any reason, the cardholder calls (855) 423-3729 or submits a request through Affirm's help site. Personal information may be required, including the last four digits of the Card number, full name and knowledge of card transaction history. If the Card is believed lost or stolen, the cardholder must immediately notify the Bank and disable it by calling (855) 423-3729. The Bank may cancel any Card that has been disabled for sixty calendar days or longer.
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If you need to replace the Card for any reason, call (855) 423-3729 or submit a request on affirm.com/help/debit to request a replacement.
You will be required to provide personal information which may include the last four digits of your Card number, your full name and knowledge of the Card transaction history.
If you believe the Card has been lost or stolen, you must immediately notify us and disable it by calling us at (855) 423-3729.
We may cancel any Card that has been disabled for sixty (60) calendar days or longer.
Qualifications & exceptions
Replacement requires identity verification.
A disabled card may be canceled after sixty days.
Account & Service Control · Procedure
Error disputes must reach the Bank within 60 days of the first statement showing the problem
For errors or questions about electronic fund transfers, the cardholder should submit a webform on Affirm's help site, call (855) 423-3729, or write to Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135 as soon as possible if a statement or receipt is wrong or more information is needed about a listed transfer. Notice may also be sent through the App. The Bank must hear from the cardholder no later than sixty days after it sent the first statement on which the problem or error appeared.
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In Case of Errors or Questions about your Electronic Fund Transfers, please visit affirm.com/help/debit to submit a webform or call at (855) 423-3729 or write at Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.
You may also have the option to send notice via the App.
We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared.
Qualifications & exceptions
The 60-day period runs from the first statement showing the problem or error.
Account & Service Control · Procedure
An error notice must identify the cardholder and account, describe the problem and state the disputed amount
The cardholder must tell the Bank their name and account number, describe the error or transfer they are unsure about and explain as clearly as they can why they believe it is an error or why they need more information, and state the dollar amount of the suspected error.
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Tell us your name and account number.
Describe the error or transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.
Account & Service Control · Procedure
An oral error complaint may have to be put in writing within ten Business Days
If the cardholder reports an error orally, the Bank may require the complaint or question in writing within ten Business Days.
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If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days.
Account & Service Control · Procedure
The Bank investigates errors within 10 Business Days, may take 45 days, and may provisionally credit the disputed amount
The Bank will determine whether an error occurred within 10 Business Days after hearing from the cardholder and will correct any error promptly. If it needs more time, it may take up to forty-five days to investigate. In that case it will credit the account within ten Business Days for the amount the cardholder believes is in error, so the money is available during the investigation. If the Bank asks for a written complaint or question and does not receive it within ten Business Days, it may not credit the Card Account.
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We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly.
If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question.
If we decide to do this, we will credit your account within ten (10) Business Days for the amount you think is in error so that you will have full use of the money during the time it takes us to complete our investigation.
If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not credit your Card Account.
Qualifications & exceptions
The 45-day extension requires a provisional credit within ten Business Days.
Failure to provide a requested written complaint can forfeit the provisional credit.
New accounts, point-of-sale and foreign-initiated errors can take up to 90 days to investigate
For errors involving new Card Accounts (where the first deposit occurred less than 30 days before the error), point-of-sale transactions or foreign-initiated transactions, the Bank may take up to 90 days to investigate the complaint or question. For new accounts, it may take up to twenty Business Days to credit the Card Account for the amount the cardholder believes is in error.
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If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question.
For errors involving new Card Accounts (an account where the first deposit to the account occurs less than 30 days before the error), 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 twenty (20) Business Days to credit your Card Account for the amount you think is in error.
Qualifications & exceptions
The 90-day investigation window applies to the listed error types.
New accounts have up to twenty Business Days for provisional credit.
A new Card Account for error timelines is one whose first deposit was less than 30 days before the error
For the extended error-investigation timelines, a new Card Account is defined as an account where the first deposit to the account occurs less than 30 days before the error.
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an account where the first deposit to the account occurs less than 30 days before the error
Error-investigation results are reported within three Business Days, with a written explanation if no error is found
The Bank will tell the cardholder the results within three Business Days after completing its investigation. If it decides there was no error, it will send a written explanation. The cardholder may ask for copies of the documents used in the investigation.
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We will tell you the results within three (3) 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 that we used in our investigation.
Account & Service Control · Context
Mobile access depends on the carrier, and carrier charges and restrictions may apply
The Bank may make certain services available through a mobile device or telephone. Accessing services through a mobile device may incur the wireless carrier's standard charges, data rates and other fees, and downloading, installing or using certain services may be prohibited or restricted by the carrier. Not all mobile services work with all carriers or devices.
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We may make certain services available via a mobile device or telephone.
To the extent you access our services through a mobile device, your wireless service carrier's standard charges, data rates and other fees may apply.
In addition, downloading, installing, or using certain services on your mobile device may be prohibited or restricted by your carrier, and not all mobile services may work with all carriers or devices.
Account & Service Control · Procedure
The cardholder must keep contact information current and report insolvency, bankruptcy or death
The cardholder agrees to promptly alert the Bank when a telephone number, email address or mailing address stops being used or changes, and must notify the Bank of any change to address, email, telephone number or other contact information provided. Failure may cause important card or account information to go to the wrong person or transactions to be declined. The Bank may also email the cardholder at any address provided, subject to the cardholder's right to unsubscribe from emails. The cardholder or an authorized representative must notify the Bank immediately of insolvency, receivership, conservatorship, bankruptcy or death.
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You agree to promptly alert us whenever you stop using or change a telephone number, email address, or mailing address.
You also agree that we may contact you by e-mail, using any email address you have provided to us or that you provide to us in the future, subject to your right to unsubscribe from such e-mails.
You must notify us of any change in your address, e-mail address, telephone number, or other contact information you provide to us.
Failure to do so may result in important information about your Card or Card Account being delivered to the wrong person or your transactions being declined.
You or your authorized representative must notify us immediately in the event of your insolvency, receivership, conservatorship, bankruptcy, or death.
Qualifications & exceptions
The email consent is subject to an unsubscribe right.
Immediate notice is required for insolvency, receivership, conservatorship, bankruptcy or death.
The cardholder may cancel by zeroing the balance and returning the card; remaining funds are returned, less offsets
The cardholder may cancel the Agreement by bringing the Card Account balance to $0.00 and returning the Card to the Bank. Terminating the Agreement does not affect the Bank's or Service Provider's prior rights or the cardholder's prior obligations. If the Card is cancelled, closed or terminated for any reason, remaining available funds associated with the Card Account are returned by ACH transfer to the Linked External Account or by check, subject to any contrary provision in the Agreement and applicable law, and the returned amount may be offset by amounts owed under the Agreement.
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You may cancel this Agreement by bringing the balance in your Card Account to $0.00, and returning the Card to the Bank.
Your termination of this Agreement will not affect any of the Bank's or Service Provider's rights or your obligations arising under this Agreement prior to termination.
In the event your Card is cancelled, closed or terminated for any reason, any remaining available funds associated with the Card Account will be returned to you via ACH transfer to your Linked External Account or by check, subject to any contrary provision in this Agreement and applicable law. The amount of remaining funds we transfer to you may be offset by any amounts you owe us under this Agreement.
Qualifications & exceptions
Cancellation by the cardholder requires a $0.00 balance and return of the Card.
The refund method is ACH to the linked account or check.