Agreement identity: Affirm Debit Visa Card issued by Stride Bank, effective 10/11/2026
This is the Affirm Debit Visa Card issued by Stride Bank, N.A. (member FDIC) Cardholder and Account Agreement. The stated version is effective as of 10/11/2026. The document is the cardholder and account agreement for the Stride-issued Affirm debit card.
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When
Effective as of 10/11/2026
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Affirm Debit Visa Card issued by Stride Bank (member FDIC) Cardholder and Account Agreement
Effective as of 10/11/2026
Legal Rights & Agreement Rules · Context
Opening notice: mandatory arbitration and class action waiver, with an opt-out; Section XXI
A capitalized notice at the start states that the Agreement is subject to mandatory arbitration pursuant to the Federal Arbitration Act unless the cardholder opts out in accordance with the Agreement, and that it contains a waiver of class action. It points to Section XXI for the operative terms. The notice itself only flags these terms; the arbitration procedure and opt-out mechanics appear in Section XXI and are interpreted in that section's packet.
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THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT, UNLESS YOU OPT OUT IN ACCORDANCE WITH THE TERMS OF THIS AGREEMENT, AND A WAIVER OF CLASS ACTION PROVISION.
SEE SECTION XXI BELOW.
Qualifications & exceptions
Notice only; the operative arbitration and opt-out terms are in Section XXI.
Account & Service Control · Context
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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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.
Four transaction-limit types can apply at the same time and current limits appear in the App
The Agreement describes four types of Transaction Limits — Individual, Pending, Daily and Monthly, and Pre-purchase Loan — and warns that more than one may apply at any one time. The cardholder's current Transaction Limits are shown in the Affirm App, and the applicable limits depend on how the card is used.
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There are four types of Transaction Limits: Individual Transaction Limits, Pending Transaction Limits, Daily and Monthly Transaction Limits, and Pre-purchase Loan Limits. More than one of these may apply at any one time.
Your current Transaction Limits can be found in the App.
Charges & Financial Obligations · Restriction or exception
Individual Transaction Limit is 100% of the Affirm Savings balance when Affirm Savings is linked
The Individual Transaction Limit is the amount that can be spent on a Pay in Full purchase and is displayed in the App. If the cardholder makes Affirm Savings their Linked External Account, the Individual Transaction Limit on each card transaction is 100% of Affirm Savings' External Bank Balance.
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Your "Individual Transaction Limit" is how much you can spend on a "Pay in Full"(as defined below) purchase.
your Individual Transaction Limit on the amount of each transaction you make with your Card or Card Account is 100% of your Affirm Savings' External Bank Balance.
Qualifications & exceptions
The 100% rule applies only when Affirm Savings is the Linked External Account.
Charges & Financial Obligations · Restriction or exception
Other linked bank accounts: the lesser of $50 or 50% of the balance, reviewed over 30 days
If the cardholder links a bank account other than Affirm Savings, the Individual Transaction Limit is the lesser of $50 or 50% of the External Bank Balance, although the cardholder may have a higher limit per Affirm's communication. The Bank reviews the last thirty days of card transactions and external balance data to set the subsequent limit, and may lower the limit to protect account and system security or when it believes an ACH debit would fail.
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Condition
Affirm Savings is not the Linked External Account
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your Individual Transaction Limit is the lesser of (i) $50 or (ii) 50% of your External Bank Balance.
We review your Card transaction history and External Bank Balance data over the last thirty days to determine your subsequent Individual Transaction Limit.
we may lower your Individual Transaction Limit in order to protect the security of your account and our systems and if we have reason to believe an ACH debit from your Linked External Account would fail.
Qualifications & exceptions
An initial limit may be higher than the formula, as stated in Affirm's communication.
The Bank may lower the limit based on its review or belief that an ACH debit would fail.
Charges & Financial Obligations · Restriction or exception
Backup Protection Limit is capped at $300
A cardholder who is eligible for and enrolls in Backup Protection has a Backup Protection Limit set by the same rules described above, but the Backup Protection Limit is capped at a maximum of $300.
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your Backup Protection Limit will be capped at a maximum of $300.
Account & Service Control · Context
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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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.
Charges & Financial Obligations · Procedure
Pending Transaction Limit equals the Individual Transaction Limit minus pending transactions
The Pending Transaction Limit is the Individual Transaction Limit reduced by any pending transactions. Transactions funded by a Pre-purchase Loan are not counted as pending transactions for this calculation. Pending transactions can be viewed in the App.
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Your "Pending Transaction Limit" equals the Individual Transaction Limit reduced by any pending transactions.
Transactions made using the proceeds of any Loan you obtained from a Lender through the App prior to making the transaction ("Pre-purchase Loan") are not considered pending transactions for the purpose of calculating your Pending Transaction Limit.
Charges & Financial Obligations · Restriction or exception
Pay in Full transactions: $1,500 daily and $15,000 monthly limits, with further limits possible
For Pay in Full transactions — transactions that result in one or more debits to the Linked External Account equal to the entire transaction, excluding card transactions funded by a Loan — the Card and Card Account have a $1,500 daily limit and a $15,000 monthly limit. The amount currently available for Pay in Full purchases is shown in the App. Further limits may exist and are described as designed to be flexible to protect the security and integrity of the service and accounts.
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What it covers
Pay in Full transactions
When
Daily and monthly
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your Card and Card Account has a $1,500 daily and a $15,000 monthly limit.
Further limits may exist and are designed to be flexible in order to protect the security and integrity of the service and accounts.
Charges & Financial Obligations · Permission or license
Pre-purchase Loan Limit: up to $30,000 per loan and $30,000 per month in matched transactions
If a cardholder obtains a Pre-purchase Loan and the loan is successfully matched to the next card transaction, the transaction limit may exceed the other limits up to the loan amount. Pre-purchase Loans cannot exceed $30,000 in aggregate, and card transactions associated with Pre-purchase Loans cannot exceed $30,000 in a month. Each loan must be applied for and approved separately and may require a downpayment. When the loan amount is at least the transaction amount and the transaction is successfully associated with the loan, the transaction is not debited from the Linked External Account; the cardholder repays the loan under the separate Loan Agreement.
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excluding any Card transaction for which you apply for and obtain a Loan from a Lender through the Affirm mobile application ("App" or "Affirm App")
your transaction limit for your next Card transaction may exceed the above limits, up to the amount of the Loan, which cannot, in aggregate, exceed $30,000, and the Card transactions associated with Pre-purchase Loans cannot exceed $30,000 in a month (the "Pre-purchase Loan Limit").
You must apply and be approved for each Loan separately in the App, and approval for each loan is subject to eligibility and may require a downpayment.
Provided that the Pre-Purchase Loan amount is greater than or equal to the entire amount of your Card transaction and the transaction is successfully associated with the Loan as described above, the amount of the transaction will not be debited from your Linked External Account.
Qualifications & exceptions
Applies only when a Pre-purchase Loan is successfully matched to the card transaction.
Enrollment in an Optional Planning Feature requires a separate Program Agreement.
Not stated here
The Loan Agreement with the Lender, including interest and repayment terms, is not supplied.
Charges & Financial Obligations · Permission or license
Card use authorizes debits from the Linked External Account, including later settlement adjustments
By linking a Linked External Account and using the Card, the cardholder authorizes the Bank to initiate one or more electronic debits from that account up to the amount of the card transaction and to transfer the funds to the Card Account. A Linked External Account is an external bank account linked to the Card Account, which may include an account linked for Backup Protection. If the authorized amount changes on final settlement — for example, a restaurant tip — the cardholder immediately authorizes debits or credits for the adjustment on or after the adjustment or settlement date. If Loan proceeds do not cover the transaction, the cardholder authorizes a debit for the difference.
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A "Linked External Account" is an external bank account linked to your Card Account, which may include any external account linked in connection with Backup Protection.
you authorize us to initiate one or more electronic debits from your Linked External Account for up to the amount of the Card transaction you authorize, and transfer those funds to your Card Account.
You immediately authorize us to debit or credit your Linked External Account and Card Account for the amount of the adjustment or difference, on or after the date of the adjustment or final settlement of the transaction.
If you use the proceeds of a Loan to pay for a Card transaction, and the proceeds do not cover the total amount of the transaction, you authorize us to debit your Linked External Account for the difference between the amount of the Card transaction and the Loan proceeds deposited in your Card Account.
Qualifications & exceptions
Applies unless a Lender has originated a Loan as described in Section I.B., or Affirm Savings is the only Linked External Account under Section I.C.
Charges & Financial Obligations · Company practice
A failed ACH transfer reduces the Individual Transaction Limit to $0 until the failed transactions are paid
If an incoming ACH or other transfer or deposit from a Linked External Account to the Card Account fails for any reason, the Bank will reduce the Individual Transaction Limit to $0.00 until the cardholder successfully pays for all failed transactions. After that, provided the Card Account balance is not negative, the Individual Transaction Limit and Pending Transaction Limit will be as low as $50 until the Bank notifies the cardholder in the App that the limits have been increased.
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we will reduce your Individual Transaction Limit to $0.00 until you successfully pay for all failed transactions.
your Individual Transaction Limit and Pending Transaction Limit will be as low as $50 until we notify you in the App that we have increased the Individual Transaction Limit and Pending Transaction Limit.
Charges & Financial Obligations · Permission or license
The Bank may change limits at its sole discretion and may keep some limits undisclosed for security
The Bank may increase or decrease the Transaction Limits or any other limit on the Card or Card Account at its sole discretion. If it imposes stricter limits on the dollar amount, type or frequency of transactions beyond those stated in the Agreement, it will notify the cardholder as required by applicable law. Other limits on the amount, type and frequency of transactions may not be disclosed, and changes to them may not be disclosed, for security purposes unless required by law.
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We may also increase or decrease your Transaction Limits or any other limit on your Card or Card Account at our sole discretion.
If we impose stricter limits on the dollar amount, type, or frequency of transaction you can make with your Card or Card Account other than those stated in this Agreement, we will notify you as required by applicable law.
we may not disclose these limits, or changes to these limits, to you for security purposes, unless required by law.
Qualifications & exceptions
Notice of stricter limits is required only as applicable law requires.
Undisclosed limits are permitted for security unless the law requires disclosure.
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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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.
Charges & Financial Obligations · Context
The Card Account pays no interest and requires no minimum balance
The cardholder will not earn interest on the Card Account, and no minimum balance is required in the Card Account.
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You will not earn any interest on the Card Account.
There is no minimum balance required in your Card Account.
Charges & Financial Obligations · Company commitment
No mandatory card fees from the Bank; third-party and optional program fees are separate
The Bank states that it will not charge any fees for using the Card or Card Account. Fees charged by the financial institution holding the Linked External Account, by a Lender, or by other parties are outside this Agreement, and optional fee-based programs offered through Affirm are not the Bank's responsibility. The Agreement points to its Fee Schedule and Section III for third-party fees.
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We will not charge you any fees for using your Card or Card Account.
There may be optional fee-based programs available to you through Affirm, and the Bank is not responsible for such fees.
Please see the Fee Schedule and Section III for more information about third-party fees.
Qualifications & exceptions
The statement covers Bank fees for the card; it does not cover third-party, Lender or optional Affirm program fees.
Legal Rights & Agreement Rules · Context
Loans are made by a Lender, not the Bank; the Bank does not underwrite or approve them
The capitalized notice states that all loans are made by a Lender and not by the Bank, that the Bank is not involved in the application, underwriting or approval of any loan, and that the Bank has no responsibility for the loans or the Lender's acts or omissions. The definitions section likewise says lending and credit products referenced in the Agreement are offered by a Lender, not the Bank. Each loan must be applied for separately in the App and is subject to Lender eligibility and possible downpayment.
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ALL LOANS ARE MADE BY A LENDER AND NOT BY THE BANK. THE BANK IS NOT INVOLVED IN THE APPLICATION, UNDERWRITING OR APPROVAL OF ANY LOAN. BANK HAS NO RESPONSIBILITY TO YOU FOR THE LOANS OR ANY ACTIONS OR OMISSIONS OF LENDER.
YOU MUST APPLY FOR EACH LOAN SEPARATELY IN THE APP, AND APPROVAL FOR EACH LOAN IS SUBJECT TO ELIGIBILITY AND MAY REQUIRE A DOWNPAYMENT, AS EACH IS DETERMINED BY THE LENDER.
all lending and credit products that are referenced in this Agreement are not offered by the Bank and are instead offered by a Lender.
Loans are not offered by the Bank and are subject to approval of the Lender.
Not stated here
The separate Loan Agreement with the Lender, including interest, fees and repayment terms, is not supplied in this source.
Charges & Financial Obligations · Restriction or exception
Pre-purchase Loan Limit is a monthly aggregate: a $25,000 loan leaves only $5,000 more that month
The Agreement illustrates the monthly cap with dates in May. After a $25,000 Pre-purchase Loan is approved and matched to a purchase on May 3, no further loans exceeding $5,000 can be approved for the rest of the month, because $5,000 is what remains of the $30,000 Pre-purchase Loan Limit. If a $5,000 loan is then approved and matched on May 7, no more loans can be applied for that month and the card cannot be used for a transaction associated with a Pre-purchase Loan for the remainder of the month.
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you will not be approved for any Loans for the rest of the month that exceed $5,000, which is equal to the Pre-purchase Loan Limit.
If on May 7 you apply for and are approved for a Pre-Purchase Loan for $5,000, and then make a purchase using the Card that matches the Loan, you will not be able to apply for any more Loans for the remainder of the month
Qualifications & exceptions
The illustration assumes each loan is approved and matched to a card purchase; unmatched loans are null and void.
'Card Account', 'you' and 'we' are defined for the card relationship
The Agreement defines the Card Account as the account or the cardholder's beneficial interest in the account accessed by the Card, plus the records the Bank keeps to account for the value of card transactions. "You" and "your" mean the person or persons who received the Card and are authorized to use it under the Agreement. "We", "us" and "our" mean the Bank, its successors, affiliates, assignees and third-party service providers.
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"Card Account" means the account or your beneficial interest in the account accessed by the Card, and the records we maintain to account for the value of transactions associated with the Card.
"You" and "your" means the person or persons who have received the Card and who are authorized to use the Card as provided for in this Agreement.
"We," "us," and "our" means the Bank, our successors, affiliates, assignees and our third-party service providers.
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.
Electronic delivery under the E-Sign agreement; accepting, activating or using the card binds the cardholder
The Agreement is provided in electronic format pursuant to the E-Signature and Electronic Disclosure Agreement the cardholder accepted when opening the Card Account. By accepting, activating or using the Card, the cardholder agrees to be bound by the Agreement's terms and conditions.
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This Agreement is provided to you in electronic format pursuant to the E-Signature and Electronic Disclosure Agreement that you accepted and agreed to when you opened your Card Account.
By accepting, activating, or using this Card, you agree to be bound by the terms and conditions contained in this Agreement.
Qualifications & exceptions
The E-Signature and Electronic Disclosure Agreement itself is not supplied in this source.
Account & Service Control · Procedure
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.
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 Bank may share identity information and investigation results with Affirm under its Privacy Policy
The Bank may share information it collects, and any results of an investigation, with the Service Provider (Affirm), and that information may be used pursuant to the Bank's Privacy Policy. The Privacy Policy itself is linked but not supplied in this source.
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The Bank may share any of the information collected and any results of any investigation with the Service Provider
Not stated here
The Bank's Privacy Policy is linked but not supplied, so its use and retention rules are not described here.
Card purchases are funded by linked-account transfers or Lender loan proceeds; deposits occur only with a purchase
The Card accesses funds in the Card Account to pay for card transactions. The cardholder can fund the Card Account by accessing a Linked External Account or by applying for and obtaining a loan originated by a Lender through the App. Each loan must be applied for separately and is governed by a separate Loan Agreement. Funds may be deposited in the Card Account only when the Card is used to make a purchase, whether by authorizing a transfer from the Linked External Account or by obtaining a loan from Affirm Loan Services, LLC or its affiliate or partner financial institution (a "Lender").
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The Card accesses funds in your Card Account to pay for transactions you make with the Card.
You can fund your Card Account by accessing your Linked External Account(s) or by applying for and successfully obtaining a loan, originated by a Lender, through the App
You must apply for each Loan separately.
You may deposit funds in your Card Account only when you use the Card to make a purchase
Qualifications & exceptions
Optional Planning Features, if eligible and enrolled, let Affirm apply for Pre-purchase Loans under a separate Program Agreement.
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.
Charges & Financial Obligations · Permission or license
The Bank may batch card transactions into one ACH debit for the total since the last successful transfer
The Bank may batch all card and Card Account transactions since the last successful ACH transfer from the Linked External Account, and may initiate a batched debit or electronic fund transfer from that account. By using the Card, the cardholder authorizes one or more ACH debits up to the total of all card transactions since the last successful ACH transfer, less any loan proceeds deposited in the Card Account during that time.
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You can fund your Card Account by accessing your Linked External Account(s)
We may batch all of the transactions you made using your Card or Card Account since we initiated the last successful ACH transfer from your Linked External Account to your Card Account, and we may initiate a batched debit or electronic fund transfer from your Linked External Account.
By using your Card, you authorize us to initiate one or more ACH debits for an amount up to the total amount of all transactions you made on your Card since we initiated the last successful ACH transfer, less the amount of any Loan proceeds that were deposited in your Card Account during that time.
Charges & Financial Obligations · Restriction or exception
Linked-account debit authorization does not apply to Lender-funded purchases or an Affirm Savings-only setup
The authorization to debit a Linked External Account for a card transaction is subject to two carve-outs stated at the start of the paragraph: it does not apply where a Lender has originated a Loan for the purchase as described in Section I.B., or where Affirm Savings is the only Linked External Account under Section I.C. In those cases the transaction is funded under the loan or Affirm Savings rules rather than by a debit from a second linked bank account under this paragraph.
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Unless a Lender has originated a Loan to you as described below in Section I.B., or your Affirm Savings is your only Linked External Account, as described below in section I.C., by linking a Linked External Account to your Card Account in the App, and using your Card to make a transaction, you authorize us to initiate one or more electronic debits from your Linked External Account
Qualifications & exceptions
The carve-outs depend on either a Lender loan for the purchase or Affirm Savings being the only Linked External Account.
Charges & Financial Obligations · Restriction or exception
Cardholder warrants sufficient funds regardless of the App's Pay in Full display; payment is immediate
When making purchases without a loan for the purchase amount, the cardholder represents and warrants that the Linked External Account — including a Backup Protection linked account where applicable — has sufficient funds to cover the purchase and each corresponding debit, regardless of what the App shows as available to Pay in Full. Authorization is immediate and the cardholder has no right to defer payments due on the Card Account.
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you represent and warrant that you have sufficient funds in your Linked External Account (which includes your Backup Protection Linked External Account, as Applicable) to cover the amount of the purchase (and each corresponding debit to the Linked External Account), regardless of what the App shows is available to Pay in Full.
Authorization is immediate, you have no right to defer payments due on your Card Account.
Charges & Financial Obligations · Company practice
Failed linked-account debits may be retried, delayed, or answered with a freeze or lock
If an electronic debit from a Linked External Account fails, the Bank may retry it up to two additional times within 30 days unless prohibited by law. It generally retries within 21 days of the first failure but may take up to 180 days. If a debit fails, the Bank may freeze the Card until the amount is successfully transferred to the Card Account. If the Bank believes a debit will fail, it may wait up to 21 days or until sufficient funds are available. It may lock or freeze the Card Account until the balance is brought to at least $0.00.
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we may retry the electronic debit up to two additional times within 30 days, unless prohibited by law.
We will generally retry the transaction within 21 days of the first electronic debit failure; however, we may take up to 180 days to do so.
If an electronic debit fails, we may freeze your Card until you successfully transfer such amounts from your Linked External Account to your Card Account.
we may wait to initiate the electronic debit for up to 21 days or until you have sufficient funds in one of your Linked External Accounts to cover the transfer.
We may lock or freeze your Card Account until your Card Account balance is successfully brought to at least $0.00.
Qualifications & exceptions
Retry limits and timing are qualified by applicable law.
The freeze or lock lasts until the transfer or balance condition is met.
Adding a linked account is a warranty of ownership, authorization, and that it is a U.S. account in good standing
By adding a Linked External Account, the cardholder represents and warrants that they own and are authorized to use that account for all transactions contemplated by the Agreement, that the account is held by a U.S. financial institution, and that it is in good standing.
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By adding a Linked External Account, you represent and warrant that you own and are authorized to use the Linked External Account for all of the transactions contemplated by this Agreement, and that the Linked External Account is held by a U.S. financial institution and is in good standing.
Legal Rights & Agreement Rules · Context
Each loan is a separate Lender agreement; the Bank is not a party and card use does not guarantee eligibility
The Bank does not provide loans. It is not a party to the Loan Agreement and has no liability to the cardholder under or in connection with the loan. The cardholder must apply for and be approved by the Lender and enter into a separate Loan Agreement for each loan. Obtaining or using the Card does not guarantee eligibility for any loan, the Lender may charge interest under the Loan Agreement, and not all card purchases may be eligible for a loan.
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The Bank does not provide these services. The Bank is not party to, and has no liability to you under the Loan Agreement or in connection with the Loan.
You will be required to apply for and be approved for a Loan by the Lender, and enter into a separate loan agreement with the Lender in order to obtain each Loan (the "Loan Agreement").
Obtaining or using your Card does not guarantee that you will be eligible for any Loan.
If you obtain a Loan, the Lender may charge you interest in accordance with the Loan Agreement you enter into with the Lender.
Subject to Lender eligibility requirements, not all Card purchases may be eligible for a Loan.
Not stated here
The Loan Agreement's interest rate, fees and repayment terms are not supplied in this source.
Charges & Financial Obligations · Procedure
Pre-purchase loan proceeds are disbursed only after a matching card transaction is authorized within the App's window
If the cardholder obtains a Pre-purchase Loan from a Lender, the Lender disburses the proceeds into the Card Account after a merchant authorizes the next card transaction, provided the purchase is made within the communicated authorization period and matches the loan's terms, which may include transaction amount, merchant name, merchant category and other eligibility criteria disclosed by Affirm. If the cardholder does not complete the intended transaction within the authorization window shown in the App, the Lender cancels the Pre-purchase Loan and does not transfer the proceeds. When the loan amount is at least the transaction amount and the transaction is successfully associated with the loan, the transaction is not debited from the Linked External Account.
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the Lender will disburse the proceeds of the Loan into your Card Account following a merchant's authorization of the Card transaction.
If you take out a Loan and do not complete the intended transaction using your Card within the authorization window displayed in the App, the Lender will cancel the Pre-Purchase Loan and will not transfer the Loan proceeds to your Card Account.
Provided that the Pre-Purchase Loan amount is greater than or equal to the entire amount of your Card transaction and the transaction is successfully associated with the Loan as described above, the amount of the transaction will not be debited from your Linked External Account.
Qualifications & exceptions
Disbursement depends on a merchant authorization and a successful match within the App's authorization period.
The loan is cancelled if no eligible purchase is completed in the window.
Post-Purchase Loans can be requested after a purchase, within the window shown in the App
Affirm may allow the cardholder to apply in the App for a Loan from a Lender after making a purchase — a Post-Purchase Loan. The recent transactions section of the App states how long the cardholder has to obtain one. Once the loan is captured, the Lender disburses the proceeds into the Card Account, and the cardholder repays the loan under the Loan Agreement, which is outside the scope of this Agreement.
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Affirm may allow you to apply in the App for a Loan from a Lender after you make a purchase ("Post-Purchase Loan").
The recent transactions section of the App will state how long you have to obtain a Post-Purchase Loan.
Once the Loan is captured, the Lender will disburse the proceeds of the Loan into your Card Account and you will be responsible for repaying the Loan in accordance with your Loan Agreement, which is outside the scope of this Agreement.
Qualifications & exceptions
The application window is stated in the App, not fixed by this Agreement.
Not stated here
The Loan Agreement's interest, fees and repayment terms are not supplied.
Charges & Financial Obligations · Company practice
Merchant signals (category code, merchant ID, capture amount and timing) link a transaction to a loan and can fail
Signals from the merchant are used to associate card transactions with Loans. Successful association depends on factors such as merchant category code, merchant ID, how much the merchant captures and by when. A transaction may fail to associate with the intended loan; the cardholder is told to contact Affirm between 7 am and 10 pm Central time, 7 days a week, at (855) 423-3729. Affirm or the Lender is responsible for notifying the Bank of the associated loan disbursement, and the Bank is not responsible for signal failures caused by the merchant, Affirm or a provider of the loan.
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Signals from the merchant are used to associate Card transactions to Loans.
Successful association depends on factors such as merchant category code (MCC), merchant ID (MID), how much the merchant captures and by when.
It is possible that signals from the merchant result in a Card transaction not being associated with the intended Loan.
Affirm or the Lender is responsible for notifying Bank of the associated Loan disbursement, and the Bank is not responsible for any signal failures caused by merchant, Affirm or a provider of the Loan.
Qualifications & exceptions
Matching depends on merchant-controlled signals, so an intended loan match is not guaranteed.
Charges & Financial Obligations · Restriction or exception
Tips or increases on a loan-funded purchase can debit the linked account or decline the card
If a transaction associated with a Loan is adjusted after the purchase — for example, a restaurant tip — and the cardholder has a Linked External Account, the cardholder authorizes one or more electronic debits from that account for the increase. Without a Linked External Account, if the merchant's authorization exceeds the loan proceeds available or the transaction would exceed a card or Card Account limit, the card may be declined. The Agreement advises including all fees, tips and taxes in the loan request to avoid a decline.
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If a debit transaction associated with a Loan is adjusted for any reason (e.g., restaurant tips) after you have made a Card purchase, and you have a Linked External Account, you authorize us to initiate one or more electronic debits from your Linked External Account in the amount of any increase in the transaction amount.
If you do not have a Linked External Account, and the amount of the authorization the merchant places on your Card exceeds the amount of Loan proceeds available to you for that transaction, or the transaction would cause you to exceed any limit that applies to your Card or Card Account, your Card may be declined.
To help ensure your Card is not declined, be sure to include all fees, tips, taxes, etc. in the amount of your Loan request in the App.
Qualifications & exceptions
The adjustment debit rule applies when a Linked External Account exists.
A decline is possible where there is no linked account and the authorization or limit is exceeded.
Charges & Financial Obligations · Restriction or exception
An unmatched Pre-purchase Loan becomes void; the purchase is declined or processed as Pay in Full
If the cardholder does not make an eligible card purchase within the authorization period in the App, the Pre-purchase Loan is null and void. If the related card transaction is not matched to the Pre-purchase Loan and captured before that period ends, the transaction is either declined or processed as a Pay in Full transaction, if the cardholder has a Linked External Account and the transaction is below the Individual Transaction Limit. A loan can be cancelled in the App before the authorization period expires.
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If you do not make an eligible Card purchase within the authorization period set forth in the App, then your Loan will be null and void, and if your Card transaction related to the Pre-Purchase Loan is not matched to a Pre-Purchase Loan and captured before the authorization period associated with the Pre-Purchase Loan, your Card transaction will either be declined or be processed as a Pay in Full transaction (if you have a Linked External Account and the transaction is below your Individual Transaction Limit).
If you wish to cancel a Loan prior to the expiration of the authorization period, you can do so in the App.
Qualifications & exceptions
Processing as Pay in Full requires a Linked External Account and a transaction below the Individual Transaction Limit.
Charges & Financial Obligations · Permission or license
Optional Planning Feature authorizes Affirm to obtain Pre-purchase Loans without a separate application for each
Loans are not offered by the Bank and are subject to Lender approval. If the cardholder enrolls in an Optional Planning Feature, they authorize Affirm to apply for one or more Pre-purchase Loans on their behalf, to be originated by a Lender, without manually completing a separate loan application for each loan. The feature is governed by a separate Program Agreement.
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Loans are not offered by the Bank and are subject to approval of the Lender.
you authorize Affirm to apply for one or more Pre-purchase Loans for you, to be originated by a Lender, without requiring you to manually complete a separate loan application for each Loan, as described in the separate Program Agreement that governs that Optional Planning Feature.
Qualifications & exceptions
The authorization requires separate enrollment and a Program Agreement.
Each loan remains subject to Lender origination and approval.
Not stated here
The Program Agreement for the Optional Planning Feature is not supplied.
Charges & Financial Obligations · Permission or license
Linking Affirm Savings authorizes transfers from it up to the card transaction amount
Unless a Lender has originated a Loan for the purchase, making Affirm Savings the Linked External Account and using the Card authorizes transfers from Affirm Savings to the Card Account up to the amount of the card transaction the cardholder authorizes. A Linked External Account is an external bank account linked to the Card Account, which may include an account linked for Backup Protection.
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A "Linked External Account" is an external bank account linked to your Card Account, which may include any external account linked in connection with Backup Protection.
Unless a Lender has originated a Loan to you as described above in Section I.B., by making your Affirm Savings your Linked External Account and using your Card to make a transaction, you authorize transfers from your Affirm Savings to your Card Account, up to the amount of the Card transaction you authorize.
Qualifications & exceptions
The authorization is subject to the Section I.B. Lender-loan carve-out and to the amount of the card transaction authorized.
Charges & Financial Obligations · Company practice
Affirm Savings purchases place an immediate hold for up to 48 hours or until the merchant finalizes
When Affirm Savings is the Linked External Account, a hold is placed on the funds immediately for up to 48 hours or until the merchant finalizes the purchase, whichever happens later. A Post-Purchase Loan approved in the App lifts the hold. Merchants generally finalize shortly after a purchase but may take up to 30 days, and some purchase types can be held longer. During the hold the cardholder does not have access to the preauthorized or held amount.
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When you make purchases and your Affirm Savings is your Linked External Account, a hold will be placed on the funds in your Affirm Savings immediately for up to 48 hours or until the merchant finalizes your purchase, whichever happens later.
If you apply for and are approved in the App for a Post Purchase Loan, the hold will be lifted.
it could take up to 30 days for a purchase to be finalized. For some types of purchases a hold may be placed for a longer period.
During the hold period, you will not have access to the preauthorized or held amount.
Qualifications & exceptions
Merchant finalization can extend the hold beyond 48 hours, up to 30 days or longer for some purchase types.
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.
Backup Protection links a second account to cover a Pay in Full purchase above the Affirm Savings balance
Backup Protection is an optional service for eligible cardholders who have linked Affirm Savings. It lets the cardholder link a second Linked External Account as a backup payment method when a Pay in Full purchase exceeds the External Bank Balance in the primary Linked External Account (Affirm Savings). There is no fee, and it is stated not to be overdraft protection. In the Agreement's example, a $150 transaction with $50 in Affirm Savings and at least $100 in the backup account results in a $50 debit from Affirm Savings and a $100 debit from the backup account, subject to the limits described above.
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"Backup Protection" allows you (if you are eligible and have your Affirm Savings linked to your Card Account) to link a second Linked External Account as a backup payment method ("Backup Protection Account"), in the event your Pay in Full purchase exceeds the External Bank Balance in your "Primary Linked External Account" (i.e., Affirm Savings).
There is no fee for this optional service. This is not overdraft protection.
For example, if you make a $150 Card transaction and have $50 in your Affirm Savings and at least $100 in your Backup Protection Account at the time the transaction settles, we will debit your Affirm Savings for $50 and will debit your Backup Protection Account for $100 for your purchase, subject to limits described above.
A "Linked External Account" is an external bank account linked to your Card Account, which may include any external account linked in connection with Backup Protection.
Qualifications & exceptions
Requires eligibility and Affirm Savings linked to the Card Account.
The example is subject to the limits described in the transaction-limit section.
Charges & Financial Obligations · Permission or license
Turning on Backup Protection authorizes a primary-account transfer to $0 and then a backup-account transfer
If the cardholder turns on Backup Protection in the App and a card transaction exceeds the primary Linked External Account's External Bank Balance, the cardholder authorizes transfers from the primary account until its balance is $0.00 and authorizes a transfer from the Backup Protection Account to cover the remaining balance on the Card Account. The Backup Protection Limit is shown in the App, and the cardholder may turn Backup Protection off in the App.
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If you turn on Backup Protection in the App and your Card transaction is more than your Primary Linked External Account's External Bank Balance, you authorize transfers from your Primary Linked External Account until your External Bank Balance is $0.00. You also authorize a transfer from your Backup Protection Account to cover the remaining balance on your Card Account.
You can see your Backup Protection Limit in the App.
You may turn Backup Protection off of the App.
Charges & Financial Obligations · Restriction or exception
Backup Protection eligibility is monthly and may require a qualifying deposit of up to $100
To be eligible for Backup Protection, the cardholder may be required to have made a qualifying deposit of up to a maximum of $100, or have a scheduled qualifying deposit, into Affirm Savings during the current calendar month. Eligibility is determined monthly. Without a qualifying deposit, the cardholder may not be eligible the following month. If Backup Protection is on and the cardholder becomes ineligible, Affirm will notify the cardholder as applicable law requires.
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To be eligible for Backup Protection you may be required to have made a qualifying deposit up to a maximum of $100, or have a scheduled qualifying deposit, into your Affirm Savings during the current calendar month.
Eligibility for Backup Protection is determined on a monthly basis.
If you have not made a qualifying deposit, you may not be eligible for Backup Coverage the following month.
If you have Backup Protection turned on and you become no longer eligible, Affirm will notify you in accordance with applicable law.
Qualifications & exceptions
The deposit requirement is a maximum of $100 and may vary.
Eligibility is reassessed monthly and can lapse the following month.
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.
Charges & Financial Obligations · Permission or license
Optional Planning Features authorize automated funding actions under a separate Program Agreement
Affirm may offer optional features under which an eligible, enrolled cardholder authorizes Affirm to take an action — such as applying for one or more Pre-purchase Loans from a Lender or otherwise selecting how a transaction is funded — without a manual action each time. While enrolled, Affirm periodically evaluates continued eligibility and, if the cardholder remains eligible, takes the automated action described in the Program Agreement for that feature, which the cardholder must agree to separately before activation. The cardholder may disable the feature at any time in the App, remains subject to this Agreement, and remains obligated on loans originated before disabling.
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you authorize Affirm to take an action – such as applying for one or more Pre-purchase Loans for you, to be originated by a Lender, or otherwise selecting how a transaction is funded – without requiring you to manually take an action each time
Affirm will periodically evaluate your continued eligibility and, if you remain eligible, will take the automated action described in the Program Agreement for that Optional Planning Feature (a “Program Agreement”), which you must agree to separately before that Optional Planning Feature is activated.
You may disable an Optional Planning Feature at any time in the App, and your Card and Card Account otherwise remain subject to this Agreement regardless of whether you are enrolled in any Optional Planning Feature and you remain obligated to the terms of any Loan originated prior to when you disable the Optional Planning Feature.
Qualifications & exceptions
Requires separate enrollment and agreement to the applicable Program Agreement.
Continuous eligibility is re-evaluated periodically.
Loans originated before disabling remain binding.
Not stated here
The Program Agreement for each Optional Planning Feature is not supplied.
Enrollment is not a credit request or guarantee; future features may be added without amending the Agreement
Enrolling in an Optional Planning Feature is not a request for, and does not guarantee, credit or any particular outcome. Any Loan originated through the feature remains subject to separate Lender underwriting and credit approval. Affirm may make additional Optional Planning Features available in the future, each with its own Program Agreement, without amending that section or the Agreement, subject to applicable notice or disclosure requirements. The Program Agreement is a separate agreement with Affirm Loan Services, LLC or another Affirm entity identified in it, and is not superseded by and does not modify this Agreement.
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Enrolling in an Optional Planning Feature is not a request for, and does not guarantee, credit or any particular outcome
any Loan originated by a Lender via an Optional Planning Feature remains subject to separate underwriting and credit approval consistent with Section I.B above.
We may make additional Optional Planning Features available in the future, each with its own Program Agreement, without amending this Section or this Agreement, subject to any notice or disclosure requirements under applicable law.
the Program Agreement governing that Optional Planning Feature is a separate agreement between you and Affirm Loan Services, LLC (or another Affirm entity identified in that Program Agreement) that is not superseded by, and does not modify, this Agreement.
Qualifications & exceptions
Future features may be added without amending the Agreement, subject to notice or disclosure law.
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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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.
Charges & Financial Obligations · Restriction or exception
Approved loan proceeds are not loaded onto the card before purchase and expire if unused
Where the cardholder is approved for a Loan in the App before making a debit purchase with the Card, the loan proceeds are not loaded onto the Card before the purchase and expire if not used within the time stated in the App.
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In instances where you are approved for a Loan in the App before you make your debit purchase using your Card, the Loan proceeds will not be loaded onto the Card pre-purchase and will expire if not used within the amount of time set forth in the App.
Not stated here
The exact expiration period is stated in the App, not in this Agreement.
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.
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.
Charges & Financial Obligations · Context
Fees from the linked-account bank or a Lender are outside this Agreement
The Agreement states that the financial institution holding the Linked External Account may charge fees outside the scope of this Agreement and the cardholder's relationship with the Bank and Service Provider. For example, a debit with insufficient balance may trigger an overdraft fee, insufficient funds fee, returned-item fee, or interest or fees on an overdraft line of credit. The Bank is not responsible for any fee charged by a Lender, and neither the Bank nor Affirm is responsible for fees charged by the linked-account institution or other parties.
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You understand that the financial institution holding your Linked External Account may charge fees that are outside the scope of this Agreement and outside of the scope of your relationship with the Bank and Service Provider.
For example, if you authorize us to debit your Linked External Account and it does not have sufficient balance to cover the amount of the transaction, your financial institution may charge you an overdraft fee, insufficient funds fee, returned-item fee, or interest or fees on an overdraft line of credit you may have.
Bank is not responsible for any fee charged by a Lender.
Qualifications & exceptions
These are third-party fees, not Bank fees for the Card or Card Account.
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.
Charges & Financial Obligations · Permission or license
The card can be used wherever Visa is accepted and each use authorizes reducing the account balance
Subject to the Agreement's limitations, the cardholder may use the Card and Card Account to purchase goods or services wherever Visa is accepted, and to receive transfers of funds to fund card transactions. Each card use authorizes the Bank to reduce the value available in the Card Account by the transaction amount and to initiate any other electronic fund transfers contemplated by the Agreement.
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you may use your Card and Card Account, as applicable, to purchase goods or services wherever your Card brand (Visa) is accepted, and to receive transfers of funds for the purpose of funding transactions made with your Card.
Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and to initiate any other electronic fund transfers contemplated hereunder.
Linking the account authorizes Affirm to review transaction history and balance information and perform balance checks
By signing up for the Card and Card Account and linking a Linked External Account, the cardholder authorizes the Service Provider to review and use transaction history and balance information and to perform balance checks on the Linked External Account.
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to receive transfers of funds for the purpose of funding transactions made with your Card
By signing up for the Card and Card Account and linking your Linked External Account, you authorize Service Provider to review and use the transaction history and balance information and perform balance checks on your Linked External Account.
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.
Transaction limits apply as set forth in the Agreement and are detailed on its first page
Transaction limits apply to the Card and Card Account as set forth in the Agreement. The first page of the Agreement holds more detail on the Transaction Limits, and the App shows the current amounts available to spend.
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Transaction limits apply to your Card and Card Account as set forth in this Agreement.
Please see the first page of this Agreement for more details on your Transaction Limits.
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.
Charges & Financial Obligations · Restriction or exception
ATM and Cashback limits: $400 daily, $1,500 weekly, 3 per day and 7 per week
Subject to the Transaction Limits, ATM and Cashback withdrawals have a $400 daily limit and a $1,500 weekly limit. The cardholder is limited to 3 withdrawals in a 24-hour period and 7 withdrawals in a 7-day period. Withdrawals can only draw up to the Affirm Savings available balance, and each withdrawal authorizes a debit of the Linked External Account for that amount. Individual merchants may set different Cashback limits at a single time or location.
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you will also have a daily limit of $400 and a weekly limit of $1500.
You will be limited to 3 withdrawals in a 24 hour period and 7 withdrawals in a 7 day period.
You can only withdraw up to your Affirm Savings available balance.
For each ATM and Cashback withdrawal, you authorize us to debit your Linked External Account for the amount of such transaction.
Please note that each merchant may establish limits as to how much Cashback, if any, you may obtain at a single time or through a single location that are different from the limits stated in this Agreement.
Qualifications & exceptions
Withdrawals are subject to the Transaction Limits and to the Affirm Savings available balance.
Individual merchants may impose their own Cashback limits.
Charges & Financial Obligations · Restriction or exception
Loans cannot fund ATM or Cashback withdrawals, and an open loan may cause a decline
The cardholder cannot apply for Loans for an ATM or Cashback transaction. If a Loan was obtained in the App before a purchase and is still open, any attempt to obtain Cashback or use an ATM may be declined.
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You will not be able to apply for Loans for an ATM or Cashback Transaction.
If you apply for and obtain a Loan in the App prior to a purchase, and that Loan is still open, any attempt to get Cashback or use an ATM may be declined.
Charges & Financial Obligations · Context
No Bank or Affirm fee for ATM withdrawals; the ATM operator may charge one
Neither the Bank nor Affirm charges a fee for ATM withdrawals. The owner or operator of an ATM may charge a fee, determined by that owner or operator. That fee is not charged by the Bank or Affirm but may appear on Affirm Savings and Card Account periodic statements.
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Neither the Bank nor Affirm charges a fee for ATM withdrawals.
However, the owner or operator of an ATM may charge a fee for using its ATM.
Although this fee is not charged by us, you may see the fee charged by the ATM on your Affirm Savings and Card Account periodic statements.
Charges & Financial Obligations · Procedure
Foreign-currency purchases are settled in U.S. dollars with Visa exchange charges and possible declines
All debits to the Card Account post in U.S. dollars. If a merchant charges the Card in another currency, the Bank may decline the transaction or authorize it subject to the Agreement and applicable network rules. The Bank charges U.S. dollars based on the exchange rate on the day it settles the transaction, plus any special currency exchange charges imposed by Visa USA Inc. and/or a third party used to complete the transaction. Visa converts currency using either the government-mandated exchange rate or the rate it selects under its policies, effective one day before the conversion date. Because of charges and rate differences between settlement and initiation, a foreign transaction may cost more or less than the purchase price at the time it was made, and the cardholder agrees to pay the converted charges.
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Supporting quotations
All debits to your Card Account will be posted in U.S. dollars.
If a merchant charges your Card or Card Account for a transaction denominated in any other currency, we may decline the transaction, or may authorize it subject to the conditions hereunder.
We will charge you in U.S. dollars based on the exchange rate on the day we settle the transaction, plus any special currency exchange charges that may be imposed by Visa USA Inc. and/or by any third-party used to complete the transaction.
Because of the special charges and possible differences in exchange rates between the time we settle and the time you initiated the transaction, the charge for a foreign transaction may be less than or greater than the purchase at the time it was made.
You agree to pay charges for the converted transaction amounts in accordance with the terms of this paragraph.
Qualifications & exceptions
The Bank may decline a foreign-currency transaction or authorize it subject to network rules.
The final charge depends on the settlement-date exchange rate and Visa/third-party charges.
Charges & Financial Obligations · Context
Card-not-present transactions have the same legal effect as presenting the card, but may be limited
If the cardholder initiates a transaction without presenting the Card — such as a mail order, internet or telephone purchase or an ACH debit — the legal effect is the same as using the Card itself. For security reasons, the amount or number of such transactions may be limited.
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Supporting quotations
If you initiate a transaction without presenting your Card (such as for a mail order, internet or telephone purchase or an ACH debit), the legal effect will be the same as if you used the Card itself.
For security reasons, the amount or number of such transactions you may make may be limited.
Charges & Financial Obligations · Permission or license
Limits are reviewed periodically and may change based on account history and activity at the Bank's discretion
The Bank may modify the limits on the Card and Card Account from time to time at its discretion, and will notify the cardholder of changes to the extent applicable law requires and in the manner the law provides. Card limits are subject to periodic review and may change based on the cardholder's account history, activity and other factors, including card activity. The Bank retains sole discretion to apply and change limits.
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Supporting quotations
We may, at our discretion, modify the limits on your Card and Card Account from time to time.
To the extent required by applicable law, you will be notified of any change in these limits in the manner provided by applicable law.
Card limits are subject to periodic review and may be changed based on your Account history, activity, and other factors, including but not limited to your Card activity.
We retain sole discretion to apply and change limits.
Qualifications & exceptions
Change notice is required only to the extent applicable law requires it.
Charges & Financial Obligations · Company practice
Deposited funds are delayed; electronic direct deposits are available the next Business Day
The Bank delays availability of funds credited to the Card Account. The delay is counted in Business Days beginning on the Business Day the Bank receives the deposit. During the delay the funds are not available and the Bank will not pay transactions using them. Funds deposited by electronic direct deposits such as ACH, and preauthorized electronic fund transfers, are available on the Business Day after the Bank receives the deposit. An electronic payment is received when the Bank has received payment in actually and finally collected funds plus the information needed to credit the Card Account.
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Supporting quotations
Bank's policy is to delay the availability of funds credited to your Card Account.
The length of the delay is counted in Business Days (defined below in Section XXV) beginning on the Business Day we receive a deposit.
During the delay, the funds will not be available for your use, and we will not pay transactions from your Card Account using these funds.
Funds deposited by electronic direct deposits (e.g., ACH) and preauthorized electronic fund transfers will be available on the Business Day after we receive the deposit.
An electronic payment is received when the Bank has received payment in actually and finally collected funds, as well as any information necessary to credit the amount to your Card Account.
Qualifications & exceptions
The delay is counted from the Business Day the Bank receives the deposit.
Electronic deposits are available the next Business Day; other deposits may differ.
Charges & Financial Obligations · Restriction or exception
Longer delays apply for suspected returns, fraud, legal compliance or emergencies
Availability may be delayed longer where the Bank reasonably believes a transaction will be returned unpaid, suspects fraud or unlawful activity, needs the delay to comply with law or protect the security of the Bank or Card Account, or there is an emergency such as computer or communications failure, natural disaster, war, famine, pandemic or other act of god. In those cases funds may be delayed for a reasonable time under the circumstances. Even if funds were made available and withdrawn, the cardholder remains responsible for deposits returned unpaid and for other problems involving the deposit.
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Supporting quotations
Availability of deposits and transfers may be delayed for a longer period of time under the following circumstances: (i) we reasonably believe a transaction will be returned unpaid; (ii) we suspect there may be fraud or unlawful activity on your Card Account; (iii) if the delay is reasonably necessary to comply with applicable law or protect the security of the Bank or your Card Account; or (iv) there is an emergency, such as a failure of computer or communications equipment, natural disaster, war, famine, pandemic, or other act of god.
In these cases, funds availability may be delayed for a reasonable amount of time under the circumstances.
Even if we have made funds available to you and you have withdrawn the funds, you are still responsible for deposits that are returned to us unpaid and for any other problems involving your deposit.
Qualifications & exceptions
The longer delay is limited to a reasonable time under the circumstances.
The cardholder bears responsibility for returned deposits even after withdrawal.
Split transactions depend on merchant acceptance and can be declined if the remaining amount exceeds a limit
The cardholder can instruct a merchant to charge part of a purchase to the Card and pay the rest with cash or another card — a split transaction. Some merchants do not allow split transactions, and some allow them only if the remaining amount is paid in cash. If the cardholder fails to tell the merchant about the split before swiping the Card and the purchase amount exceeds the Transaction Limit or another applicable limit, the Card is likely to be declined.
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You can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card.
Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash.
If you fail to inform the merchant that you would like to complete a split transaction before swiping your Card, and the purchase amount is more than your Transaction Limit or would cause you to exceed any other limit applicable to your Card, your Card is likely to be declined.
Qualifications & exceptions
Merchant acceptance of split transactions varies.
The decline risk arises when the full purchase amount exceeds a card limit before the split is communicated.
Charges & Financial Obligations · Company practice
Merchant preauthorizations place a hold on the Card Account for up to 30 days
When the Card is used to purchase goods or services, the merchant may seek preauthorization. A hold is then placed on the Card Account balance for the preauthorization amount, which may differ from the actual purchase amount, until the merchant sends the final payment amount or for up to thirty days even if the purchase is not completed. During the hold the cardholder may not have access to the preauthorized amount, and the Bank is not responsible if transactions are not completed because of the hold.
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Supporting quotations
When you use your Card to purchase goods or services, the merchant may attempt to obtain preauthorization for the transaction. If the merchant makes such a request, a "hold" is placed on your Card Account balance for the amount of the preauthorization request (which may vary in some cases from the amount of the actual purchase, depending on the merchant or purchase type), until the merchant sends the final payment amount of your purchase, or for up to thirty (30) days, even if you fail to make the purchase.
During the hold period, you may not have access to the preauthorized amount in your Card Account.
We will not be responsible if any transactions are not completed because of the hold.
Qualifications & exceptions
The hold may last up to thirty days even if the purchase is never completed.
The preauthorization amount may differ from the final purchase amount.
Charges & Financial Obligations · Restriction or exception
The final transaction posts even if it overdraws; some preauthorizations exceed the purchase
If the preauthorization differs from the actual transaction, the actual transaction amount is debited from the Card Account even if that makes the balance negative, and the cardholder remains responsible for negative balances. At an automated fuel dispenser, a merchant may preauthorize more than the sale price. At restaurants, hotels, car rentals and similar purchases, the merchant may preauthorize the purchase amount plus an additional amount for tips or incidental expenses. The cardholder has no right to stop payment on a purchase or payment transaction originated by card use.
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If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Card Account, even if this results in your Card Account balance becoming negative.
You remain responsible for any negative balances in your Card Account.
If you use the Card at an automated fuel dispenser ("pay at the pump"), the transaction may be preauthorized by the merchant for an amount greater than the total sale price of the goods you purchase.
If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus an additional amount the merchant may require to ensure there are sufficient funds available on your Card to cover tips or incidental expenses incurred.
You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card.
Qualifications & exceptions
The final debit can create a negative balance.
Preauthorization amounts can exceed the final purchase at fuel, restaurant, hotel and car-rental merchants.
Charges & Financial Obligations · Restriction or exception
The cardholder is fully liable for negative balances and related fees, even if the Bank previously paid such items
The cardholder agrees not to exceed the available amount in the Card Account through an individual transaction or a series of transactions, which creates a negative balance. If a transaction makes the balance negative — including a purchase where the merchant does not request authorization — the cardholder remains fully liable to the Bank for the negative balance and any corresponding transaction fees. Even if the Bank paid such items before, it is not required to do so in the future and may change its practice of paying them without notice. The Bank may determine the available balance at any time between receiving an item and returning it, need only look once to decide whether an item would cause a negative balance, and reserves the right to bill the cardholder for any negative balance.
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You agree to not exceed the available amount in your Card Account through an individual transaction or a series of transactions (creating a "negative balance").
Nevertheless, if any transaction causes the balance in your Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees.
Even if we have paid these items before, we are not required to do it in the future. We can change our practice of paying these items on your Card Account without notice to you.
We may determine the amount of available balance you have in your Card Account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return. We need only look at your available balance in your Card Account once to decide if the item would cause a negative available balance. We reserve the right to bill you for any negative balance.
Qualifications & exceptions
Liability covers negative balances created without merchant authorization.
The Bank may change its practice of paying items without notice.
Charges & Financial Obligations · Restriction or exception
A negative balance must be restored immediately; the Bank may offset deposits or debit the linked account
The cardholder is liable for any negative balance, whether caused by the cardholder or anyone else given access to the Card or Card Account. If the Bank pays a transaction that creates a negative available balance, the cardholder must immediately restore the balance to at least $0.00 and has no right to defer payment. The cardholder authorizes the Bank to use subsequent deposits to the Card Account to cure the negative balance and to debit the Linked External Account for the amount needed to restore the Card Account to $0.00. The Bank may also cancel the Card or Card Account if negative balances are created and not cured immediately.
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Supporting quotations
you shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees.
You are liable for any negative balance, whether caused by you or any other person to whom you provide access to your Card or Card Account.
If we pay a transaction that causes a negative available balance in your Card Account, you must immediately restore the available balance to at least $0.00. You have no right to defer such payments.
You authorize us to use the money from any subsequent deposits to your Card Account to cure a negative available balance in the Card Account. You also authorize us to debit your Linked External Account for the amount necessary to restore the balance of your Card Account to $0.00.
We also reserve the right to cancel your Card or Card Account if you create one or more negative balances in your Card Account and fail to cure it immediately.
Qualifications & exceptions
The cure obligation is immediate, with no right to defer.
The Bank may cancel the Card or Card Account for an uncured negative balance.
Charges & Financial Obligations · Restriction or exception
A negative balance caused by anyone given access to the card is the cardholder's liability
The cardholder is liable for any negative balance on the Card Account, whether the cardholder caused it or any other person to whom the cardholder gave access to the Card or Card Account. This liability sits alongside the separate rule treating permitted use by another person as authorized use.
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You are liable for any negative balance, whether caused by you or any other person to whom you provide access to your Card or Card Account.
Charges & Financial Obligations · Permission or license
An Optional Planning Feature may obtain Pre-purchase Loans to prevent Affirm Savings from going negative
If the cardholder enrolls in an Optional Planning Feature and a Pay Now transaction would cause the Affirm Savings balance to go negative, the cardholder authorizes Affirm to apply for one or more Pre-purchase Loans, to be originated by a Lender, without a separate manual application for each loan, as described in the separate Program Agreement governing that feature.
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Supporting quotations
If you enroll in an Optional Planning Feature described in Section I.F above, and a Pay Now transaction would cause the balance in your Affirm Savings to go negative, you authorize Affirm to apply for one or more Pre-purchase Loans for you, to be originated by a Lender, without requiring you to manually complete a separate loan application for each Loan, as described in the separate Program Agreement that governs that Optional Planning Feature.
Qualifications & exceptions
Requires enrollment in the Optional Planning Feature and its Program Agreement.
Each loan remains originated by a Lender.
Not stated here
The Program Agreement for the feature is not supplied.
Charges & Financial Obligations · Procedure
Recurring card transactions require a linked account and a sufficient balance; the Bank is not responsible for declines
A cardholder who intends to use the Card for recurring transactions must have a Linked External Account and should monitor the balance and ensure sufficient funds. Recurring transactions are those authorized in advance to be charged at substantially regular intervals. The Bank is not responsible if a recurring transaction is declined because the balance was insufficient.
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If you intend to use your Card for recurring transactions, you must have a Linked External Account and should monitor your balance and ensure you have sufficient funds to cover the transactions.
"Recurring transactions" are transactions that are authorized in advance by you to be charged to your Card at substantially regular intervals.
We are not responsible if a recurring transaction is declined because you have not maintained a sufficient balance to cover the transaction.
Qualifications & exceptions
A Linked External Account is required for recurring card transactions.
Charges & Financial Obligations · Restriction or exception
Variable recurring payments need ten days' notice, and the Bank may refuse a recurring debit
If recurring transactions vary in amount, the recipient should tell the cardholder ten days before each payment when it will be made and how much it will be, unless the payee lets the cardholder choose notice only when the payment differs by more than a set amount or falls outside limits the cardholder sets. The Bank may refuse to pay a recurring debit, for example if the Card Account has insufficient funds or the Bank cannot verify ownership or other information about the destination account. The cardholder may call (855) 423-3729 for information about a refusal.
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Supporting quotations
If these recurring transactions vary in amount, the recipient of the recurring transaction should inform you, ten (10) days before each payment, when it will be made and how much it will be.
You may be permitted by the payee to 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.
We reserve the right to refuse to pay a recurring debit, for example, if your Card Account has insufficient funds to cover such transfer or if we are unable to verify the ownership of or other information about the account to which the funds will be transferred.
Qualifications & exceptions
The ten-day notice duty sits with the recipient, and the payee may offer a threshold alternative.
The Bank's refusal right is illustrated, not limited, by the insufficient-funds and verification examples.
Charges & Financial Obligations · User right or choice
Recurring payments can be stopped with three Business Days' notice; the order may expire after six months
For recurring transactions from the Card Account, the cardholder can stop payment by submitting a request on Affirm's help site, calling (855) 423-3729, or writing to Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135, in time for the Bank to receive the request at least three Business Days before the scheduled transfer. A phone request may also need to be put in writing within fourteen days. If a stop order is given three Business Days or more before the transfer and the Bank fails to stop it, the Bank is liable for direct losses or damages. The cardholder should also contact the merchant. Stop-payment orders may expire six months after the request and must be renewed.
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you can stop the payment by submitting a request on affirm.com/help/debit or by notifying us orally at (855) 423-3729 or in writing to Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135 in time for us to receive your request at least three (3) Business Days before the scheduled date of the transfer.
If you call, we also may require you to put your request in writing and get it to us within fourteen (14) days after you call.
If you order us to stop one of these payments three (3) Business Days or more before the transfer is scheduled, we will be liable for your direct losses or damages.
If you have authorized a merchant to make the recurring transaction, you also should contact the applicable merchant in order to stop the recurring transaction.
Stop-payment orders may expire after six months from the date of your stop-payment request, and you are required to renew it in order to ensure its continued effectiveness.
Qualifications & exceptions
The three-Business-Day timing is required for the Bank's liability for direct losses.
A phone request may require written confirmation within fourteen days.
Stop-payment orders may expire after six months and must be renewed.
Charges & Financial Obligations · Restriction or exception
A recurring charge during a Pre-purchase Loan window may be declined or wrongly associated with the loan
If a Pre-purchase Loan is open and a recurring transaction is charged during the loan's authorization window, the recurring transaction may be declined or may become associated with the loan. For example, a cell phone bill recurring during a grocery-loan window may be declined or inadvertently match the grocery loan. The cardholder should contact Affirm as soon as possible to match the loan correctly, and the Bank is not responsible for matching a card transaction to a loan.
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Supporting quotations
If you take out a Pre-purchase Loan, and a recurring transaction is charged during the authorization window of that Loan, the recurring transaction may be declined or may become associated with the Loan.
If a purchase is misattributed to a Loan, please contact us as soon as possible at our help center at affirm.com/help/debit or call us at (855) 423-3729 to match the Loan correctly.
Bank is not responsible for matching a Card transaction to a Loan.
Qualifications & exceptions
The risk applies while a Pre-purchase Loan authorization window is open.
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.
Charges & Financial Obligations · Company practice
Refunds are credited to the Card Account, associated Loan, or linked account as Affirm determines
If the cardholder is entitled to a refund for goods or services obtained with the Card, the cardholder agrees to accept credits to the Card Account, an associated Loan, or the Linked External Account, as determined in Affirm's sole discretion, and agrees to the merchant's refund policy.
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If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to your Card Account, associated Loan, or Linked External Account, as determined in Affirm's sole discretion, for such refunds and agree to the refund policy of the merchant.
Qualifications & exceptions
The destination of the credit is in Affirm's sole discretion.
The merchant's refund policy also applies.
Charges & Financial Obligations · Procedure
A Pay in Full refund generally goes to the linked account and may be offset against pending transactions
A refund of a Pay in Full transaction is generally transferred to the Linked External Account. The amount may be offset by pending Card Account transfers the cardholder authorized from the linked account or by pending card transactions. In the Agreement's example, a $20 pending transaction and a $100 refund can result in $20 applied to the pending amount, $80 credited to the linked account and $20 credited to the Card Account. To deliver the refund, the cardholder authorizes a debit of the Card Account for the refund less any offset and a credit to the linked account on or after the date the refund is received in the Card Account.
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If you receive a refund of a Pay in Full transaction, your refund will generally be transferred to your Linked External Account.
The amount of the refund transferred to your Linked External Account may be offset by the amount of any pending Card Account transfers you authorized from your Linked External Account or pending Card transactions.
For example, if you have a pending transaction of $20 to the Card Account from your Linked External Account and are owed a refund of $100, we may offset the transaction by $20 and credit the remaining $80 to your Linked External Account and credit your Card Account for $20.
To deliver your refund, you authorize us to debit your Card Account in the amount of the refund (less the amount of any offset) and credit that amount to your Linked External Account on or after the date your refund is received in the Card Account.
Qualifications & exceptions
The offset applies to pending transfers or pending card transactions.
The refund may be split between the linked account and the Card Account.
Charges & Financial Obligations · Company practice
Refunds for a returned purchase financed by a loan may be sent to the Lender to apply to the loan balance
Where the cardholder separately obtained a Loan in connection with a purchase that is returned, the cardholder agrees that the Bank may transmit the refund to the Lender to apply to the loan balance consistently with the Loan Agreement. The Bank is not involved with, or responsible for, applying the refund to a Loan. Affirm may in some circumstances let the cardholder choose how to apply the refund; if no selection is made or the refund matches no open loan, Affirm may apply it in its sole discretion thereafter or within 65 days of the refund.
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Supporting quotations
where you separately obtained a Loan in connection with a purchase that is returned, you agree that we may transmit the refund to the Lender for it to apply your refund to the balance of the Loan in a manner that is consistent with that set forth in your relevant Loan Agreement.
The Bank is not involved with or responsible for applying your refund to a Loan.
Affirm may, in certain circumstances, give you the opportunity to tell Affirm how to apply your refund.
Affirm may apply the refund in its sole discretion thereafter or within 65 days of the refund.
Qualifications & exceptions
Application to the loan is governed by the Loan Agreement.
Affirm may apply the refund at its discretion if no selection is made or no loan matches.
Charges & Financial Obligations · Context
Returns and merchant disputes follow the merchant's policy; the Bank and Affirm are not responsible for the goods
Exchange or return of goods or services purchased with the Card is governed by each merchant's procedures and policies and applicable law, which may include a return, shipping or restocking fee. Neither the Bank nor Affirm is responsible for the delivery, quality, safety, legality or other aspects of goods or services purchased from others with the Card. If there is a problem with a purchase or a dispute with the merchant, the cardholder should first seek to resolve it directly with the merchant.
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The exchange or return of goods or services purchased in whole or in part with the Card will be governed by the procedures and policies of each merchant and applicable law, which may include a return, shipping, or restocking fee.
Neither the Bank nor Affirm is responsible for the delivery, quality, safety, legality, or any other aspects of the goods or services you purchase from others with the Card.
If you have a problem with a purchase you made with the Card, or if you have a dispute with the merchant, you should seek to resolve it directly with the merchant first.
Qualifications & exceptions
Merchant policies and applicable law govern returns and may add fees.
The cardholder is directed to resolve purchase disputes with the merchant first.
Charges & Financial Obligations · Restriction or exception
Card purchases use Card Account funds, not loan proceeds, and refunds may take up to ten days to become available
Goods and services purchased with the Card are obtained using funds in the Card Account, not the proceeds of any Loan. The handling of merchant refunds to the Card is governed by the Agreement and not by a Loan Agreement unless consistent with the Agreement. Amounts credited to the Card Account or linked account for refunds may not be available for up to ten days from the date the refund transaction occurs.
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You understand and agree that all goods and services you purchase with your Card are obtained using funds in your Card Account, and are not obtained using the proceeds of any Loan.
The handling of refunds issued by the merchant to your Card are governed by this Agreement and not by the terms of any Loan Agreement you enter into, unless consistent with the terms hereunder.
The amounts credited to your Card Account or Linked External Account for refunds may not be available for up to ten (10) days from the date the refund transaction occurs.
Qualifications & exceptions
The ten-day availability period runs from the refund transaction date.
Refund handling follows the Card Agreement, not the Loan Agreement, unless consistent.
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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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.
Charges & Financial Obligations · Context
The Bank provides no rewards; Affirm's rewards are separate and not the Bank's responsibility
The Bank does not provide rewards in connection with the Card or Card Account. Affirm may provide rewards independent of the Bank under Rewards Terms between the cardholder and Affirm. Affirm's rewards are not provided by the Bank, the Bank does not control Affirm's rewards program, and the cardholder agrees not to hold the Bank liable for issues arising from participation in that program.
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The Bank does not provide rewards in connection with your Card or Card Account.
Affirm may provide you with rewards independent of the Bank and subject to terms and conditions between you and Affirm ("Rewards Terms").
Rewards provided by Affirm are not provided by the Bank and the Bank does not control the rewards program offered by Affirm.
You agree not to hold the Bank liable for issues that may arise from your participation in the Affirm rewards program.
Qualifications & exceptions
Any rewards are governed by separate Rewards Terms with Affirm.
The cardholder authorizes the Bank to disclose Card Account information to Affirm for rewards
The cardholder authorizes the Bank to disclose Card Account information to Affirm so that Affirm can provide rewards or support the cardholder's participation in its rewards program.
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You authorize the Bank to disclose Card Account information to Affirm in order for Affirm to provide you rewards or support your participation in its reward program.
Qualifications & exceptions
The disclosure is described as being for providing rewards or supporting rewards-program participation.
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.
Sharing & Disclosure · Permission or license
The Bank may disclose card information for transactions, verification, legal process, audits or collection
The Bank may disclose information to third parties about the Card, Card Account or card transactions: where necessary to complete transactions, including the fact of a relationship with the Bank; to verify the existence and condition of the Card for a third party such as a merchant; to comply with government-agency, court-order or other legal reporting requirements; with the cardholder's written permission; to Affirm's and the Bank's employees, auditors, affiliates, service providers or attorneys as needed; to collect funds owed to Affirm or the Bank; and as otherwise provided in the Bank's Privacy Notice.
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The Bank may disclose information to third parties about your Card, Card Account or the transactions you make using your Card: (1) where it is necessary for completing transactions, including the fact that you have a relationship with the Bank; (2) in order to verify the existence and condition of your Card for a third party, such as a merchant; (3) in order to comply with government agency, court order, or other legal reporting requirements; (4) if you give the Bank your written permission; (5) to Affirm's and the Bank's employees, auditors, affiliates, service providers, or attorneys as needed; (6) in order to collect funds you may owe to Affirm or the Bank; and (7) as otherwise provided in the Bank's Privacy Notice.
Not stated here
The linked Bank Privacy Notice is not supplied, so its additional disclosure and retention rules are not described here.
Legal Rights & Agreement Rules · Restriction or exception
The Bank is liable for late or incorrect transfers but not consequential damages, with nine listed exceptions
The Bank and Service Provider are not liable for consequential damages including lost profits, extraordinary, special or punitive damages. If a transfer to or from the Card Account is not completed on time or in the correct amount under the Agreement, the Bank is liable for the cardholder's losses or damages, subject to exceptions. The listed exceptions include insufficient funds, a merchant refusing the Card or cash back, an ATM without enough cash, a terminal malfunction the cardholder knew about, blocked access after a lost-or-stolen report, a hold or legal process restricting funds, a reasonable belief the transaction is unauthorized, circumstances beyond the Bank's or Service Provider's control, and other exceptions stated in the Agreement. The cardholder may call (855) 423-3729 to check whether a transfer was completed.
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In no event will the Bank or Service Provider be liable for consequential damages (including lost profits), extraordinary damages, special or punitive damages.
If we do not complete a transfer to or from your Card Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages.
We will not be liable, for instance: (1) if, through no fault of Service Provider or of the Bank, you do not have enough funds available in your Card Account or Linked External Account to complete the transaction; (2) if a merchant refuses to accept your Card or provide cash back; (3) if the automated teller machine where you are making the transfer does not have enough cash; (4) 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; (5) if access to your Card has been blocked after you reported your Card lost or stolen; (6) if there is a hold or your funds are subject to legal process or other encumbrance restricting their use; (7) if Service Provider or the Bank has reason to believe the requested transaction is unauthorized; (8) if circumstances beyond Service Provider or the Bank's control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that Service Provider or the Bank has taken; or (9) any other exception stated in this Agreement with you.
You may call (855) 423-3729 to find out whether any electronic fund transfer you requested was successfully completed.
Qualifications & exceptions
The liability promise is limited by nine listed exceptions and other Agreement exceptions.
Consequential, extraordinary, special and punitive damages are excluded.
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.
Legal Rights & Agreement Rules · Permission or license
The Bank may rely on Affirm's instructions for card purchases and associated loans
Affirm Inc. and Affirm Lending Services are responsible for servicing Loans, as Lender or service provider to a Lender as applicable, including communications with the cardholder. Affirm provides access to submit loan applications associated with card purchases through the App. By using the Card and the App, the cardholder gives instructions to Affirm for card purchases and associated Loans, and authorizes the Bank to rely on instructions provided by Affirm on the cardholder's behalf.
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Affirm Inc. and Affirm Lending Services are responsible for servicing Loans, as Lender or service provider to Lender (as applicable), including any communications with you.
Affirm provides you access to submit loan applications associated with Card purchases via the App (see "Obtaining a Loan" in Section I.B.).
Through your use of the Card and the App, you are providing instructions to Affirm for Card purchases and associated Loans.
You authorize and agree that the Bank may rely on instructions provided by Affirm on your behalf.
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.
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.
Legal Rights & Agreement Rules · Restriction or exception
Class action waiver: claims must be brought individually, with an exception for public injunctive relief
The cardholder agrees to bring claims against the Bank or any other Covered Party only on an individual basis, not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both the cardholder and the Bank or Covered Party agree otherwise, a court or arbitrator may not consolidate or join more than one person's or party's claims and may not preside over any consolidated, representative or class proceeding. Relief may be awarded only in favor of the individual party seeking relief and only to the extent necessary for that party's individual claims. The exception is that the cardholder may pursue, and the arbitrator or court may award, public injunctive relief under applicable law to the extent required for the enforceability of the provision. The arbitration restrictions likewise send a public-injunctive-relief claim to court if the third-party-relief prohibition is finally held unenforceable, while individual monetary claims are arbitrated.
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YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST THE BANK OR ANY OTHER COVERED PARTY ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING.
UNLESS BOTH YOU AND THE BANK AGREE OR COVERED PARTY OTHERWISE, A COURT OR ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING.
ALSO, THE ARBITRATOR OR COURT MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR OR COURT MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION.
If a Claim is brought seeking injunctive relief and a court determines that the restrictions in this Arbitration Section prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such claim (and that determination becomes final after all appeals have been exhausted), the claim for public injunctive relief will be determined in court and any individual claims seeking monetary relief will be arbitrated.
Qualifications & exceptions
The individual-basis requirement applies unless the cardholder and the Bank or Covered Party agree otherwise.
Public injunctive relief can still be pursued under applicable law to the extent needed for enforceability.
Arbitration applies on either party's election; JAMS or AAA administers, with a 30-day swap right
The Arbitration Section sets out the circumstances and procedures under which Claims are arbitrated instead of litigated in court upon the election of either party, and warns that it affects the cardholder's rights. Any Claim is resolved, on the cardholder's or the Bank's election, by arbitration under the chosen national arbitration organization's procedures in effect when the Claim is filed. Claims go to JAMS or AAA as selected by the party electing arbitration. If the Bank's selection is unacceptable to the cardholder, the cardholder has thirty days after receiving notice of the election to select the other organization as administrator.
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This Section sets forth the circumstances and procedures under which Claims (as defined below) shall be arbitrated instead of litigated in court upon the election of either party.
PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.
Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed.
Claims shall be referred to either Judicial Arbitration and Mediation Services ("JAMS") or the American Arbitration Association ("AAA"), as selected by the party electing to use arbitration.
If a selection by us of one of these organizations is unacceptable to you, you shall have the right within thirty (30) days after you receive notice of our election to select the other organization listed to serve as arbitrator administrator.
Qualifications & exceptions
Arbitration can be elected by either the cardholder or the Bank.
The 30-day swap right applies after notice of the Bank's selection.
'Claim' is defined broadly to cover card, account and agreement disputes, including scope and enforceability
In the Arbitration Section, a Claim means any claim, dispute or controversy between the cardholder and the Bank, Service Provider, or their wholly or majority-owned subsidiaries, affiliates, licensees, predecessors, successors and assigns, and their agents, employees, directors and representatives (each a Covered Party), arising from or relating to the Card, the Card Account or the Agreement, or any related or prior agreement or relationship, including the validity, enforceability or scope of the Arbitration Section or the Agreement. Claim includes claims of every kind, including contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity, and is to be given the broadest possible meaning that will be enforced. The examples include the Card and additional cardholders' cards, the Card Account, available funds, advertisements and statements, benefits and services, and the card application or enrollment.
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As used in this Arbitration Section, the term "Claim" means any claim, dispute or controversy between you and the Bank, Service Provider, or any of their respective wholly or majority-owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns, and all of their agents, employees, directors and representatives (each, a "Covered Party"), arising from or relating to the Card, the Card Account, or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Section or the Agreement.
The term "Claim" is to be given the broadest possible meaning that will be enforced
any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any additional cardholders designated by you; (ii) the Card Account; (iii) the amount of available funds on the Cards; (iv) advertisements, promotions or oral or written statements related to the Cards, goods or services purchased with the Cards; (v) the benefits and services related to the Cards; and/or (vi) your application or enrollment for any Card.
Arbitration 'we' and 'you' extend to Affirm affiliates, agents, retailers and certain co-parties and cardholders
For the Arbitration Section, we and us mean the Bank, Service Provider, and their agents, retailers, subsidiaries, affiliates, licensees, predecessors, successors and assigns, and their agents, employees, directors and representatives. They also include a third party using or providing a product, service or benefit in connection with the Cards — merchants, service providers, debt collectors and their agents, employees, directors and representatives — but only if that third party is named as a co-party with the Bank or Service Provider, or files a Claim with or against them, in connection with a Claim asserted by the cardholder. You and yours mean all persons or entities approved to have or use a Card or Card Account, including all persons or entities contractually obligated under the Agreements and all additional cardholders.
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As used in this Arbitration Section, the terms "we" and "us" shall for all purposes mean the Bank, Service Provider, and any of their respective agents, retailers, subsidiaries, affiliates, licensees, predecessors, successors, and assigns, and all of their agents, employees, directors and representatives.
In addition, "we" or "us" shall include any third party using or providing any product, service or benefit in connection with any Cards or Card Account (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you.
As solely used in this Arbitration Section, the terms "you" or "yours" shall mean all persons or entities approved by us to have and/or use a Card or Card Account, including but not limited to all persons or entities contractually obligated under any of the Agreements and all additional cardholders.
Arbitration requires a certified-mail Notice of Dispute and a 60-day attempt to resolve
Before arbitration, a party intending to seek it must first send the other a written Notice of Dispute by certified mail. Notice to the Bank or Service Provider goes to Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135 (the Notice Address); notice to the cardholder may go to the address on file. The Notice must describe the nature and basis of the Claim or dispute and state the specific relief sought. If the Claim is not resolved within 60 calendar days after the Notice is received, either party may commence arbitration. The section also says most customer concerns can be resolved by contacting customer support at (855) 423-3729.
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If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute ("Notice").
The Notice must (a) describe the nature and basis of the Claim or dispute and (b) set forth the specific relief sought.
If you do not resolve the Claim with the Covered Party within 60 calendar days after the Notice is received, you or the Covered Party, as applicable, may commence an arbitration proceeding.
The Notice to the Bank or Service Provider should be sent to Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135 ("Notice Address").
Qualifications & exceptions
The Notice must be sent by certified mail.
The 60-day resolution period runs from receipt of the Notice.
Legal Rights & Agreement Rules · Context
JAMS and AAA arbitration administrators and their contact details
The Agreement gives contact details for the two arbitration organizations: JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614, website www.jamsadr.com; and the American Arbitration Association at 335 Madison Avenue, New York, NY 10017, website www.adr.org. The cardholder can contact them for a copy of the procedures, to file a Claim or for other information.
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For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; and (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org.
Legal Rights & Agreement Rules · Restriction or exception
Upon either party's demand, covered claims are resolved exclusively in final binding arbitration
If a Claim has arisen or may arise between the cardholder and the Bank or Service Provider — whether relating to the Agreement, the Card or Card Account, services under the Agreement, advertising or any other aspect of the relationship or transactions — and informal resolution fails, both sides agree that upon demand by either of them the dispute will be resolved exclusively through final and binding arbitration rather than a court. By entering into the Agreement, each side waives the right to a jury trial or to participate in a class action to resolve any Claim against a Covered Party. Rights are determined by a neutral arbitrator, not a judge or jury.
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You agree that if a Claim has arisen or may arise between you and us, whether arising out of or relating to this Agreement (including any alleged breach), your Card or Card Account, services provided under this Agreement, any advertising, or any other aspect of the relationship or transactions between us, and you are not able to resolve the dispute or Claim informally as described above, you and we agree that upon demand by you or us, the dispute or claim will be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Section.
You agree that, by entering into this Agreement, you and we are each waiving the right to a trial by jury or to participate in a class action to resolve any Claim against a Covered Party.
Your rights will be determined by a neutral arbitrator, not a judge or jury.
Qualifications & exceptions
Arbitration can be demanded by either the cardholder or the Bank.
The waiver covers jury trial and class participation for Covered Party claims.
Legal Rights & Agreement Rules · Restriction or exception
Choosing arbitration waives court litigation and jury trial and limits discovery and class participation
If arbitration is chosen by any party, neither side may litigate the Claim in court, have a jury trial on it, or engage in discovery except as provided by the JAMS or AAA code of procedures. The cardholder also would not have the right to participate in a representative capacity or as a member of any class of claimants for a Claim subject to arbitration. The arbitrator may not conduct a class or joint arbitration except as set forth in the section, and the arbitrator's decision is final and binding. Other rights the cardholder would have in court may also be unavailable in arbitration.
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IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF JAMS OR AAA, AS APPLICABLE (THE "CODE").
FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.
THE ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR A JOINT ARBITRATION, EXCEPT AS SET FORTH BELOW.
THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING.
NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.
Qualifications & exceptions
Discovery is limited to the applicable JAMS or AAA code.
The class and joint-arbitration bar is subject to the exceptions stated in the Arbitration Section.
Legal Rights & Agreement Rules · Restriction or exception
Arbitration is individual only; claims cannot be joined or consolidated without written agreement
If either party elects arbitration, the Claim is arbitrated on an individual basis, with no authority for class-action or representative-capacity arbitration on behalf of the public, other cardholders or similarly situated persons. The arbitrator's authority to resolve and award is limited to the cardholder and the Bank alone. Claims between them may not be joined or consolidated with claims involving anyone else unless all parties agree in writing. An arbitration award involving the parties has no preclusive effect on issues or claims in a dispute involving a non-party, and an award in prior disputes involving other parties has no preclusive effect in an arbitration between these parties.
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If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis.
There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other cardholders or other persons similarly situated.
The arbitrator's authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone.
Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.
No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have a preclusive effect in an arbitration between the parties to this Arbitration Section.
Qualifications & exceptions
Joinder or consolidation requires a written agreement of all parties.
Arbitration awards have no preclusive effect on non-parties, and other parties' awards do not bind this arbitration.
Legal Rights & Agreement Rules · Company commitment
The Bank may advance arbitration fees on request and reimburses fees above court costs absent lack of justification
At the cardholder's written request, the Bank will consider in good faith making a temporary advance of all or part of the filing, administrative and/or hearing fees for a Claim the cardholder initiates. At the end of the arbitration or appeal, the arbitrator or panel decides who ultimately bears those fees. If the cardholder's arbitration fees, including appeal fees, exceed what they would have been in the state or federal court closest to the billing address that would have had jurisdiction over the Claim, the Bank reimburses the excess unless the arbitrator or panel finds the fees were incurred without substantial justification.
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At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration.
At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal).
If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.
Qualifications & exceptions
The advance is discretionary and considered in good faith on written request.
Reimbursement of the excess over court fees is subject to the arbitrator's substantial-justification finding.
Legal Rights & Agreement Rules · Procedure
Arbitration is governed by the Federal Arbitration Act, the chosen Code and substantive law, not court procedure rules
The Arbitration Section is made under a transaction involving interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16 as amended (the FAA). Arbitration is governed by the applicable JAMS or AAA Code, except that the Arbitration Section controls if inconsistent with the Code, to the extent enforceable under the FAA. The arbitrator applies substantive law consistent with the FAA and applicable statutes of limitations, honors recognized privileges, and must give a brief written explanation of the decision on timely request. The arbitrator does not apply federal or state civil-procedure or evidence rules. Either party may ask the arbitrator to expand discovery under the Code, with a 15-day objection window, and the arbitrator decides within 20 days of the objection. The arbitrator must take reasonable steps to preserve individual and business privacy, and judgment on the award may be entered in any court with jurisdiction.
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This Arbitration Section is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the "FAA").
The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this Arbitration Section shall control if it is inconsistent with the applicable Code.
The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision.
In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence.
Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code.
The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of the objecting party's submission.
The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction.
Qualifications & exceptions
The Arbitration Section controls over an inconsistent Code only to the extent enforceable under the FAA.
Discovery is under the Code unless the arbitrator grants expansion.
Not stated here
The JAMS and AAA Code texts themselves are not supplied in this source.
Arbitration awards can be appealed to a three-arbitrator panel within 30 days, with a decision in 120 days
The arbitrator's decision is final and binding except for any appeal right provided by the FAA. Any party can appeal the award to a three-arbitrator panel administered by the same arbitration organization, which considers anew any aspect of the initial award objected to. The appealing party has thirty days from entry of the written award to notify the organization of the appeal. The organization appoints the panel, which conducts arbitration under its Code and issues a decision within one hundred twenty days of the appellant's written notice. The panel decides by majority vote, and its decision is final and binding. All aspects of the proceeding and any ruling, decision or award are strictly confidential for all parties.
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The arbitrator's decision will be final and binding, except for any right of appeal provided by the FAA.
However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party.
The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal.
The arbitration organization will appoint a three-arbitrator panel which will conduct arbitration pursuant to its Code and issue its decision within one hundred twenty (120) days of the date of the appellant's written notice.
The decision of the panel shall be by majority vote and shall be final and binding.
All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.
Qualifications & exceptions
The appeal right is the one provided by the FAA.
Confidentiality covers all aspects of the arbitration proceeding, rulings and awards.
The arbitration section survives card termination, full payment, collection suits and bankruptcy
The Arbitration Section survives termination of the Card, voluntary payment of the debt in full, any legal proceeding by the Bank to collect a debt owed, and any bankruptcy by the cardholder or the Bank. If any portion is invalid or unenforceable under law or equity consistent with the FAA, the remaining portions of the Arbitration Section, the Agreement and any prior agreement remain enforceable.
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This Arbitration Section shall survive termination of your Card as well as voluntary payment of the debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us.
If any portion of this Arbitration Section is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Section, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.
Legal Rights & Agreement Rules · User right or choice
Arbitration can be opted out by signed written notice within 30 calendar days of signing the Agreement
A cardholder who does not want the Arbitration Section to apply must send the Service Provider a signed notice within 30 calendar days after signing the Agreement. The notice must be in writing and not electronic, sent to Affirm, Attn. "Arbitration Opt Out", 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135. It must provide the cardholder's name, address and loan number and state that the cardholder opts out of the Arbitration Section. Opting out does not affect the Agreement's other provisions and applies only to this Agreement.
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If you do not want this Arbitration Section to apply, you must send the Service Provider a signed notice within 30 calendar days after you sign the Agreement.
You must send the notice in writing (and not electronically) to Affirm, Attn. "Arbitration Opt Out", 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135.
You must provide your name, address and loan number and state that you "opt out" of the Arbitration Section.
Opting out will not affect the other provisions of this Agreement.
If you opt out, it will apply only to this Agreement.
Qualifications & exceptions
The deadline is 30 calendar days after signing the Agreement.
Notice must be signed, written and not electronic.
Name, address, loan number and an explicit opt-out statement are required.
The opt-out applies only to this Agreement.
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.
Sharing & Disclosure · Permission or license
The Bank and its service providers may text or otherwise contact the cardholder about the card and account
The cardholder agrees that the Bank and its service providers may communicate about the Card, Card Account and related services by SMS, MMS, text message or other electronic means to the cardholder's mobile device, and that certain information about the cardholder's use of the mobile services may be communicated to the Bank.
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You agree that we and our service providers may communicate with you regarding your Card, Card Account, and related services by SMS, MMS, text message ("Text Messages") or other electronic means to your mobile device and that certain information about your usage of the mobile services may be communicated to us.
Legal Rights & Agreement Rules · Permission or license
The cardholder consents to calls and texts at any provided number, including prerecorded and autodialed messages
Notwithstanding any current or prior election to opt in or opt out of telemarketing calls, emails or text messages, the cardholder expressly consents to contact by the Bank, its agents, representatives, affiliates or anyone calling on its behalf for any and all purposes arising from or relating to the Card Account or Card, at any telephone number or physical or electronic address provided. The Bank may contact the cardholder in any way, including text messages and calls using prerecorded messages or artificial voice, and calls and messages delivered by autodialer or automatic texting system. The cardholder certifies that the provided telephone numbers are their contact numbers and represents that they are permitted to receive calls at each. The Bank may listen to and record calls with representatives without notice as applicable law permits.
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You agree that we and our service providers may communicate with you regarding your Card, Card Account, and related services by SMS, MMS, text message ("Text Messages") or other electronic means to your mobile device
you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your Card Account or Card at any telephone number, or physical or electronic address you provide with information or questions about your Card or Card Account.
You agree we may contact you in any way, including Text Messages and telephone calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system.
You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers.
You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us.
We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law.
Qualifications & exceptions
The consent applies notwithstanding a prior telemarketing opt-in or opt-out.
The cardholder certifies the numbers are theirs and that calls are permitted.
Call recording is permitted as applicable law allows.
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.
Legal Rights & Agreement Rules · Restriction or exception
The Bank disclaims all express and implied warranties and is not responsible for merchant goods or services
Except as expressly otherwise provided in the Agreement, the Bank makes no representations or warranties of any kind and disclaims all express or implied warranties regarding the Card or arising out of the Agreement, including implied warranties of merchantability and fitness for a particular purpose. The Bank is not responsible for the quality, safety, legality or any other aspect of goods or services purchased with the Card, and such disputes must be handled directly with the merchant.
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EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE CARD OR RELATING TO OR ARISING OUT OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.
All such disputes must be addressed and handled directly with the merchant from whom those goods or services were purchased.
Qualifications & exceptions
The disclaimer is subject to express provisions of the Agreement that state otherwise.
Merchant goods and services are outside the Bank's responsibility.
Legal Rights & Agreement Rules · Restriction or exception
The Bank is not liable for delays or failures from events beyond its control, merchant failures or system failures
Subject to applicable law, the Bank, Service Provider and their agents, affiliates, employees, officers and directors are not liable for delays or mistakes resulting from circumstances beyond their control, including acts of governmental authorities, national emergencies, insurrection, war or riots; merchants failing to honor the Card or provide services; communication-system failures; or failures or malfunctions attributable to the cardholder's equipment, an internet service or a payment system.
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SUBJECT TO APPLICABLE LAW, WE, SERVICE PROVIDER, AND OUR RESPECTIVE AGENTS, AFFILIATES, EMPLOYEES, OFFICERS, AND DIRECTORS 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.
Legal Rights & Agreement Rules · Restriction or exception
Recovery is limited to actual damages and capped at the lesser of actual damages or 30 days of card funds
If the Bank is held liable, the cardholder is entitled only to actual damages. No indirect, consequential, exemplary or special damages can be recovered, whether in contract, tort or otherwise, even if the Bank was advised of the possibility. The provision is ineffective to the extent the law requires otherwise. To the extent permitted by law, recovery for alleged negligence or misconduct is limited to the lesser of actual damages or the amount of funds transacted on the Card in the prior thirty days.
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IN THE EVENT THAT WE ARE 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 US SHALL BE LIMITED TO THE LESSER OF ACTUAL DAMAGES OR THE AMOUNT OF FUNDS TRANSACTED ON THE CARD IN THE PRIOR THIRTY DAYS.
Qualifications & exceptions
The exclusions and cap are subject to applicable law.
The 30-day cap applies to alleged negligence or misconduct.
The cardholder cannot assign the agreement; the Bank may transfer its rights, and invalid terms do not void the rest
The Card and the cardholder's obligations under the Agreement may not be assigned. The Bank may transfer its rights under the Agreement. Card use is subject to the rules and customs of any clearinghouse or other association involved in transactions. The Bank does not waive its rights by delaying or failing to exercise them. If a provision is held invalid or unenforceable under any governmental rule, law or regulation, the validity or enforceability of the other provisions is unaffected.
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The Card and your obligations under this Agreement may not be assigned.
The Bank may transfer its rights under this Agreement.
The Bank does not waive its 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.
The agreement is governed by Oklahoma law and the account is treated as opened and located in Oklahoma
The Agreement, the Card and the Account are governed by Oklahoma law except to the extent federal law governs. The cardholder agrees that the Account was opened in Oklahoma and that its location is in Oklahoma for purposes of the Agreement.
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This Agreement and the Card and Account will be governed by the law of the State of Oklahoma except to the extent governed by federal law.
You agree that the Account was opened in Oklahoma, and the location of the Account is in Oklahoma for purposes of this Agreement.
Activating or using the card represents age, U.S. residence, street address and acceptance
By activating the Card or retaining, using or authorizing its use, the cardholder represents and warrants that they are at least 18 (or the age of majority where older); are a U.S. citizen or legal alien residing in the United States or its territories; provided a verifiable U.S. street address, not a P.O. Box; provided true, correct and complete personal information; received a copy of the Agreement and agree to be bound by and comply with its terms and the Privacy Policy incorporated by reference; and accept the Card.
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By activating the Card or by retaining, using or authorizing the use of it, you represent and warrant to us that: (i) you are at least 18 years of age (or the age of majority if you reside in a jurisdiction where the majority age is older than 18); (ii) you are a U.S. citizen or legal alien residing in the United States ("U.S.") or its territories; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms and our Privacy Policy, which is incorporated herein by reference; and (vi) you accept the Card.
Qualifications & exceptions
The age requirement is 18 or the local age of majority if older.
A P.O. Box does not satisfy the U.S. street-address requirement.
The Privacy Policy is incorporated by reference but not supplied.
Not stated here
The incorporated Privacy Policy is not supplied, so its terms are not described here.
Legal Rights & Agreement Rules · Permission or license
The Bank may modify the agreement with legally required notice and may cancel or suspend the card at any time
The Bank may modify the Agreement and will give notice to the extent applicable law requires, including by email or other electronic communications. The Bank may cancel or suspend the Card or the Agreement at any time.
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We may modify this Agreement and will provide you with notice to the extent required by applicable law.
We may provide you notice by email or other electronic communications.
We may cancel or suspend the Card or this Agreement at any time.
Qualifications & exceptions
Modification notice is required only to the extent applicable law requires it.
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.
Business Days are every day except Saturday, Sunday and federal holidays
For the Agreement, Business Days are every day except Saturday, Sunday and federal holidays.
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Our "Business Days" are every day except for Saturday, Sunday, and federal holidays.
Legal Rights & Agreement Rules · Context
The agreement is the entire agreement and supersedes prior understandings about the card and account
The Agreement constitutes the entire and sole agreement between the cardholder and the Bank and supersedes all prior understandings, arrangements or agreements regarding the Card and Card Account.
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This Agreement constitutes the entire and sole agreement between you and us and supersedes all prior understandings, arrangements, or agreements regarding your Card and Card Account.
Charges & Financial Obligations · Company commitment
Core card, account, purchase and customer-service fees are all $0.00
The fee schedule lists every core card and account fee at $0.00: card purchase, card activation, account registration, monthly, weekly, POS PIN debit purchase, POS signature purchase, declined POS PIN purchase and declined POS signature purchase.
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ALL FEES AMOUNTS
Card Purchase Fee $0.00
Card Activation Fee $0.00
Account Registration Fee $0.00
Monthly Fee $0.00
Weekly Fee $0.00
POS PIN Debit Purchase $0.00
POS Signature Purchase $0.00
POS PIN Purchase (Declined) $0.00
POS SIG Purchase (Declined) $0.00
Charges & Financial Obligations · Company commitment
ATM, service, inactivity, NSF, closing and replacement fees are all $0.00; an ATM operator may charge separately
The fee schedule lists the following at $0.00: US ATM withdrawal, declined ATM withdrawal, automated-system customer service, live-agent customer service, inactivity, insufficient funds/NSF, closing the card and replacing the card. For the US ATM withdrawal row, the Agreement notes that neither the Bank nor Affirm charges an ATM withdrawal fee, but the ATM owner or operator may charge one, with the amount set by that owner or operator.
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ATM Withdrawal (US)
Neither the Bank nor Affirm charges a fee for ATM withdrawals. However, the owner or operator of an ATM may charge a fee for using its ATM. Any such fee is determined by the ATM owner or operator.
ATM Withdrawal (Declined) $0.00
Automated System Customer Service $0.00
Live Agent Customer Service Fee $0.00
Inactivity Fee $0.00
Insufficient Funds/NSF Fee $0.00
Close Card $0.00
Replace Card $0.00
Qualifications & exceptions
The $0.00 ATM row does not prevent the ATM owner or operator from charging a fee.
Charges & Financial Obligations · Context
Optional fee-based programs through Affirm are governed by a separate agreement
Optional fee-based programs available through Affirm are subject to a separate agreement. They are not part of the Bank's card fee schedule.
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There may be optional fee-based programs available to you through Affirm that are subject to a separate agreement.