Falsified identity information can lead to cancellation, freezes and possible forfeiture
If the cardholder falsifies, misrepresents or fails to provide requested information, the Bank may cancel the Card and Card Account. Funds tied to suspected illicit or illegal activity may be subject to internal and potentially federal investigation, freezes and forfeiture, and the Bank reserves the right to restrict or delay access to those funds, subject to applicable law.
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If you falsify, misrepresent, or fail to provide requested information, we may cancel your Card and Card Account.
funds tied to suspected illicit or illegal activity may be subject to both internal and potentially federal investigation, freezes, and forfeiture. We reserve the right to restrict or delay your access to any such funds, subject to applicable law.
Qualifications & exceptions
Fund access restrictions and freezes are stated to be subject to applicable law.
The card must be activated in the App with a PIN; suspected PIN compromise must be reported immediately
The cardholder must activate the Card using the App and complete activation, including setting a Personal Identification Number (PIN), before use. The cardholder should memorize the PIN, not write it down, and not keep it with the Card. If anyone gains unauthorized access to the PIN, the cardholder should advise the Bank and Service Provider immediately under the unauthorized-transaction procedures in Section XVIII. Personal information may be required to verify identity and complete activation.
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You must activate the Card using the App and complete the activation process, including setting a Personal Identification Number ("PIN"), before it may be used.
You should memorize your PIN and not write down your PIN or keep your PIN with your Card.
If you believe that anyone has gained unauthorized access to your PIN, you should advise the Bank and Service Provider immediately, following the procedures in Section XVIII (Your Liability for Unauthorized Transactions) below.
You may need to provide personal information in order for your identity to be verified and for completion of the activation process.
Security & Safeguards · Procedure
The cardholder must control access codes and report a lost, stolen or compromised card or code at once
The cardholder agrees to exercise reasonable control over PINs, user IDs, passwords and any other access code or credential related to the Card Account (each an Access Code) and the Card. The cardholder must tell the Bank at once if the Card or an Access Code is believed lost, stolen or compromised, by calling (855) 423-3729, submitting a request on Affirm's help site, or writing to Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135. The same contacts apply if an electronic transfer is believed to have been made using card or account information without permission.
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You agree to exercise reasonable control over your PIN(s); user ID(s); and password(s) and any other access code or credential related to your Card Account or used to access your Card Account (each, an "Access Code") and your Card.
Tell us AT ONCE if you believe your Card or Access Code has been lost, stolen or compromised by calling (855) 423-3729 or submit a request on affirm.com/help/debit, or write us at Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135.
If you believe an electronic transfer has been made using the information from your Card or Account without your permission, you can call (855) 423-3729 or submit a request on affirm.com/help/debit, or write us at Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135.
Qualifications & exceptions
Reasonable control over access codes is required.
Prompt reporting is required for lost, stolen or compromised credentials.
Security & Safeguards · Restriction or exception
Reporting a lost card or access code within two Business Days caps unauthorized-transaction liability at $50
The cardholder must tell the Bank at once if the Card or an Access Code or device used to access the Card Account is believed lost or stolen, if an electronic fund transfer was made without permission, or if someone has transferred or may transfer money without authorization. The cardholder is warned they could lose all the money in the Card Account and Linked External Account. If the cardholder tells the Bank within two Business Days after learning of the loss or theft, liability for unauthorized transactions is limited to $50 where someone accessed the Card Account without permission.
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Tell us AT ONCE if you believe that your Card or any Access Code or device you use to access your Card Account has been lost or stolen, that an electronic fund transfer has been made from your Card Account without your permission, or that someone has transferred or may transfer money from your Card Account without your authorization.
You could lose all the money in your Card Account and Linked External Account.
If you tell us within two Business Days after you learn of the loss or theft of your Access Code, Card or device, your liability for unauthorized transactions on your Card Account will be limited to $50 if someone accesses your Card Account without your permission.
Qualifications & exceptions
The $50 cap applies only if the cardholder reports within two Business Days.
The warning states the potential loss includes the Linked External Account.
Security & Safeguards · Restriction or exception
Failing to report within two Business Days can raise unauthorized-transaction exposure to $500
If the cardholder does not tell the Bank within two Business Days after learning of the loss or theft of an Access Code, Card or device, and the Bank can prove it could have stopped someone from using the Card, Access Code or device had it been told, the cardholder could lose as much as $500.
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If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your Access Code, Card or device, and we can prove we could have stopped someone from using your Card, Access Code or device without your permission if you had told us, you could lose as much as $500.
Qualifications & exceptions
The $500 exposure depends on the Bank proving it could have stopped the unauthorized use.
Security & Safeguards · Restriction or exception
Unrecognized statement transactions must be reported within 60 days, with an exception for good cause
If a statement shows transactions the cardholder did not make, including transactions made on the Card Account by card, code or other means, the cardholder must notify the Bank at once. If the cardholder does not notify within sixty days after becoming aware of the transaction or after the statement was made available, the cardholder may not recover value lost after the sixty days if the Bank can prove it could have stopped someone from taking the value had it been notified in time. A good reason such as a long trip or hospital stay extends the time periods.
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Also, if your statement shows transactions you did not make, including those made on your Card Account by Card, code or other means, notify us at once.
If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified 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.
Qualifications & exceptions
The 60-day limit runs from awareness or statement availability.
A good reason such as a long trip or hospital stay extends the periods.
Security & Safeguards · Procedure
The cardholder must cooperate in recovery and may need proof or indemnification before replacement
Subject to applicable law, the cardholder agrees to cooperate completely with the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution. The Bank may issue replacement Cards or Access Codes only after the cardholder provides the proof and security or indemnification the Bank requires. The Bank may deactivate the Card and Card Account to prevent future losses, and the Card Account may be temporarily unavailable until the replacement Card is received and activated.
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Subject to applicable law, you also agree to cooperate completely with us and the Bank in attempts to recover funds from unauthorized users and to assist in their prosecution.
The Bank may issue replacement Card(s) or Access Code(s), but only after you have provided such proof and security or indemnification as the Bank may require.
In addition, you acknowledge that the Bank may have to deactivate your Card(s) and/or Card Account to prevent future losses.
Your Card Account may be temporarily unavailable until you receive and activate your replacement Card.
Qualifications & exceptions
Replacement may require proof and security or indemnification.
The Card Account may be unavailable until a replacement is activated.
Sharing a card or access code can make the other person's use authorized and the cardholder liable
If the cardholder shares a Card or Access Code with another person, use of the Card Account by that person may be considered authorized. If the cardholder authorizes another person to use the Card or Access Codes, the cardholder agrees to be liable for all transactions arising from that person's use, except as otherwise set forth in the Agreement.
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If you share your Card(s) or Access Code(s) with another person, use of your Card Account by that person may be considered as authorized.
If you authorize another person to use your Card or Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise set forth in this Agreement.
Qualifications & exceptions
The liability applies to an authorized person's use except as otherwise provided in the Agreement.
An unauthorized transaction is one the cardholder did not initiate, permit or benefit from
The Agreement defines an unauthorized transaction as one not initiated by the cardholder, made without the cardholder's permission, and from which the cardholder does not benefit in any way. In all cases, the Bank's liability for an unauthorized transaction is limited to reimbursing the face amount of the unauthorized transaction and any other amounts required by applicable law.
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In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any other amounts required by applicable law.
A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way.
Visa Zero Liability requires reasonable card care and prompt reporting, with exclusions
Under Visa U.S.A. Inc. Operating Rules, the cardholder will not be held responsible for unauthorized transactions if they used reasonable care in protecting the Card from loss or theft and promptly reported to the Bank when they knew the Card was lost or stolen. Zero Liability does not apply to Visa payment cards used for commercial purposes or to anonymous prepaid cards until the cardholder's identity has been registered.
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Under Visa U.S.A. Inc. Operating Rules, you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your Card from loss or theft and you have promptly reported to us when you knew that your Card was lost or stolen.
Zero Liability does not apply to Visa payment cards that are used for commercial purposes or anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us).
Qualifications & exceptions
Zero Liability requires reasonable care and prompt reporting.
It excludes commercial-use cards and anonymous prepaid cards until identity registration.