Electronic Payment Card Program
Disclosure Statement and User Agreement
are required to receive your Rhode Island Department of Labor
and Training Temporary Disability Insurance (TDI) payments on
your Chase Electronic Payment Card Account. The Chase Electronic
Payment Card is a way to access your TDI benefit in one convenient
Card instead of receiving a weekly check. As a recipient of TDI,
your rights and obligations concerning the amount you receive
and your qualifications to receive it are controlled by Rhode
Island TDI laws and regulations.
This Chase Electronic Payment Card Cardholder Agreement and Electronic
Funds Transfer Disclosure covers both your rights and our rights
in connection with:
- Direct deposit of your TDI benefit payments and other payments
of an electronic
transfer nature to your Chase Electronic Payment Card Account;
- Transactions at the tellers window in any
bank that displays the Visa logo will provide you with one free transaction per deposit, $5.00 thereafter;
- Chase Electronic Payment Card transactions performed at
Automated Teller Machines ("ATMs") and Point of Sale
- Use of the Chase Electronic Payment Card to purchase goods
and services at millions of locations worldwide that accept Visa
This page also describes the Chase Electronic Payment Card Program
and the Chase Electronic Payment Card Account and states the terms
and conditions governing the Chase Electronic Payment Card Account.
By accepting a Chase Electronic Payment Card ("Card")
issued by us, you also agree that the following terms and conditions
will apply to the use of your Card. In each of the Agreements
and disclosures in this brochure, the words "you", "your"
and "yours" refers to the person authorized to use the
Chase Electronic Payment Card to access government payments and
the Card which is the subject of this Agreement; the words "we",
"us", "our" and "ours" refer to
JPMorgan Chase Bank and its subsidiaries and related corporations
that provide the Chase Electronic Payment Card system. When we
use the word "Card", we are referring to the Chase Electronic
Payment Card that you will use to access your payments. The words
"business day" mean Monday through Friday, except federal
holidays. The word "agreement" refers to the Chase Electronic
Payment Card Disclosure Statement and User Agreement. By selecting
the Chase Electronic Payment Card, you agree to be bound by the
terms and conditions of this agreement. Please keep a copy of
it for your records.
I. CHASE ELECTRONIC PAYMENT CARD ACCOUNT
1. Interest Rate Information
This account does not pay interest.
2. Minimum Balance Requirements
There is no minimum balance required to open and maintain a Card
3. Transaction Limitations
Withdrawals from your Card Account may be made from an ATM or
POS and from a teller inside any bank that displays the Visa logo.
Withdrawals may not be made on your account unless there are sufficient,
collected funds in the account. Check online at www.myaccount.chase.com,
or call the Customer Service number on the back of your card.
4. Deposits; Funds Availability
Deposits in any amount may only be made by electronic transfer
from the Rhode Island Department of Labor and Training Department
of Labor and Training TDI benefits program
as permitted by us. Deposits by check, cash or other manner are
not available for a Card Account. Any deposits made under the
Card Program will be immediately available.
5. Transactions Made Outside of the United States
If you complete a Card transaction outside of the United States
that requires a foreign currency conversion, Visa USA will convert
the transaction into a US Dollar amount using its most recently
published conversion procedures in effect at the time the transaction
is processed. Currently, the currency conversion rate used to
determine the transaction amount in U.S. dollars is a rate selected
by Visa from the range of rates available in wholesale currency
markets for the applicable central processing date, which rate
may vary from the rate Visa itself receives, or the government-mandated
rate in effect for the applicable central processing date, plus
3 percent. If a card transaction is completed outside of the United
States, and foreign currency conversion is not required, 3 percent
will be added to the transaction amount.
Fees are assessed at the time of the applicable transaction and
will be automatically deducted from your account balance. Please
refer to the Fee Schedule.
7. Statements; Error Resolution
We will send you a monthly statement showing all account activity
during the statement cycle, together with any service charges
imposed. If you believe that your statement contains an error
or discrepancy, then you must notify us within sixty (60) days
of receipt of the first statement containing the error or discrepancy.
If the error involves a transaction not initiated by your Chase
Electronic Payment Card, then the Electronic Funds Transfer Disclosure
that follows will inform you of the steps you must take to resolve
ATM Withdrawal Per Benefit Deposit at Any Location
Cash Withdrawals After Two Free Per Benefit Deposit (surcharge-free
at Chase and Allpoint ATMs)
Cash Withdrawals Outside the U.S.
ATM Balance Inquiries
Denied for Insufficient Funds
1 free -
Inquiries via the Internet
Advance at Member Banks
Replacement Card Requested Each Year
-- delivered via regular mail
1 free per year;
Overnight Delivery for Replacement Card
Service (including balance inquiries)
- via Telephone or Web
A monthly fee will be assessed on each Account
that has been inactive for 12 months. Account inactivity is
defined as no benefit deposit, withdrawal, or purchase activity
during this time period. This action will never take the account
Chase Electronic Payment Card Toll-Free Customer Service
Chase Electronic Payment Card Customer Service is available to
help you obtain account balance information, transaction history,
PIN services, lost or stolen Card assistance and transaction claims.
The Customer Service Help Line is available 24 hours a day, 7
days a week at 1-866-847-8586. You can also access account balance
information, transaction history, PIN services from the web at:
9. Designation of Successor
You may designate one or more payees as the recipients of the
funds upon your death. Upon your death, the proceeds of the account,
if any, will be paid to the surviving payee(s) in equal shares.
If no payee is alive upon your death, then the proceeds of the
account, if any, shall be paid to your estate.
Your card is not transferable. You may not assign, pledge or otherwise
transfer your interest in funds on deposit without our prior written
11. Retraction of Funds
We cannot remove funds from your Card Account, except to recover
funds that were previously overdrawn from that account, as stated
in Section II.3 or pursuant to the Error Resolution procedures
for provisional credits, as stated in Section II.11.
CHASE ELECTRONIC PAYMENT CARD; ELECTRONIC FUNDS TRANSFER DISCLOSURE
1. Card Issuance and Responsibilities
You will be issued one card and you will select a Personal Identification Number ("PIN") for use
with your card to access your account. For security purposes, only you will know this PIN. It is not printed on the card. The card and
the PIN are not transferable and are provided for your protection
and identification during card-related financial transactions
at participating ATMs and POS.
Voluntary disclosure of your PIN to another individual
will constitute authorization of that individual and may subject
you to forfeiture of any future claims against us for withdrawn
You agree that you will:
a) use the card, the PIN and any ATM or POS as instructed;
b) promptly notify us of any loss or theft of the card or involuntary
disclosure of the PIN; and
c) accept liability for misuse of the card and PIN
as described in 9 below.
2. Card Uses
a) At ATMs By properly using a valid Card and PIN, you
may withdraw cash from your Card Account at any ATMs bearing the
network logo on your Card or other networks to which the Card
Program has access, subject to applicable account limitations.
You may request notification of your current account balances
on your Card, however that may count as a separate transaction.
b) At Banks By presenting the card to a teller inside any
bank that displays the Visa logo.
c) At POS By properly using a valid Card and PIN, you may
purchase goods and services, subject to applicable account limitations.
d) At Visa POS By properly using a valid Card, you may
purchase goods and services at any merchant that accepts Visa
3. Card Use Limitations
You cannot access more funds than are available to you in your
Card Account balance. You are responsible to assure that your
TDI benefit has been posted to the Card Account before attempting
to use the funds. The transaction you request will not be processed
if you have an insufficient balance. If an ATM issues more funds
than you have payments available, you may be liable for such overissuances
under the laws or regulations controlling your Card Account.
There may be a network or ATM owner limitation on the dollar amount
of cash withdrawals from your Card Account initiated through the
use of your Card. This may limit the minimum and maximum amounts
that you may withdraw through use of your Card. The network or
the owner of the ATM may also charge a fee for the transaction,
which is in addition of any fees charged by us. If you use an
ATM outside the Chase/Allpoint system, you may be charged a per
transaction fee, including balance inquiries as stated in Section
II.6. of this agreement. In using your Card, you agree not to
initiate a withdrawal transaction that will exceed the available
funds in your Card Account. You authorize us to verify the balance
of your Card Account prior to completing any transaction. If you
withdraw more funds than are available in your Card Account, you
authorize us to recover such funds from future deposits to your
Card Account. Notices of any action taken will be detailed in
your monthly statement.
We will not change or amend this agreement or change the fees
except with twenty-one (21) days written notice and in conjunction
with the Rhode Island Department of Labor and Training.
5. Change of Address
You must notify the Rhode Island Department of Labor and Training
of any change of address.
6. Card Use at ATMs Not Owned By Us
You may use your card at designated ATMs not owned by us. The
owner of the ATM may also charge a fee for the transaction, which
is in addition of any fees we charge.
7. Preauthorized Transfer Disclosure to Chase Electronic Payment
We will only make preauthorized deposits to your Chase Electronic
Payment Card Account from Stateapproved sources. No other preauthorized
transactions will be permitted to this account at this time.
8. Documentation of Transfers
Transaction Records You will get a receipt
each time you use an ATM or POS.
Statement You will receive a monthly statement.
Recurring Electronic Deposits You can call
us toll-free to find out whether or not your preauthorized deposit
to your account has been made. You can also determine if a deposit
has been made to your account by accessing the web at www.myaccount.chase.com.
You will not be charged for accessing this information via the
a) Our Liability for Failure to Make Transfers If we do
not complete a transfer to or from your account on time or in
the correct amount according to our Agreement with you, we may
be liable for losses or damages. However, there are some exceptions.
We will not be liable, for example, in the following situations:
(i) If through no fault of ours, you do not have enough money
in your account to make the transfer.
(ii) If the ATM or POS where you are making the transfer does
not have enough cash.
(iii) If the ATM or POS was not working properly and you knew
about the breakdown when you started the transfer.
(iv) If circumstances beyond our control (such as fire or flood
or acts of God) prevent the transfer, despite reasonable precautions
that we have taken.
(v) If funds are encumbered through legal processes.
(vi) If we receive incomplete or inaccurate information on how
to post funds to your account from governmental or other sources,
including Automated Clearing Houses.
b) Your Liability for Unauthorized Transfer You agree to
use the Card, PIN, ATMS and POS only for the purposes outlined
in this Agreement.
Tell us AT ONCE if you believe your card has been lost, stolen,
or if someone has possibly learned your PIN. Telephoning is the
best way of keeping your possible losses down. You could lose
all the money in your Card Account. If you tell us within two
(2) business days, you can lose no more than $50 if someone used
your Card without your permission. If you do NOT tell us within
two (2) business days after you learn of the loss or theft of
your Card, and we can prove we could have stopped someone from
using your Card without your permission if you had
told us, you could lose as much as $500. Also, if you write the
PIN on the Card or otherwise compromise the PIN, your claim will
not be honored. If your statement shows transactions that you
did not make or authorize, tell us at once. If you do not tell
us within sixty (60) days after the statement was mailed to you,
you may not get back any money you lost after the sixty (60) days,
if we can prove that we could have stopped someone from taking
the money if you had told us in time. If a good reason (such as
a long trip or a hospital stay) kept you from telling us, we will
extend the time periods for notifying us within a reasonable time.
c) Your Liability for Non-PIN Based Visa Transactions If
your Card bears the Visa logo and is used in conjunction with
an unauthorized transaction that does not require entry of the
PIN assigned to your Card, except as provided in Section 10 (a)
and (b), your liability for such unauthorized use will not exceed:
(i.) $0 if (a) you reported the loss or theft of your card within
twenty-four (24) hours of discovery of such loss or theft; and
(b) you exercised reasonable care in safeguarding your Card from
risk of loss or theft; and (c) you have not reported two (2) or
more incidents of unauthorized use to us in the immediately preceding
twelve (12)-month period, and (d) the account to which transactions
initiated with your Card were posted is in good condition, or
(ii.) The lesser of $50 or the amount of the money, property,
labor, or services obtained by the unauthorizeduser before notification
to us if all of the conditions of Paragraph 8 (a)(i), have not
been met. If you believe your card has been lost or stolen or
that someone has transferred or may transfer money from your account
without your permission, call us toll-free or write: Customer
Service Center, Post Office Box 30201, Tampa, FL 33630.
10. In Case of Errors or Questions About Your Electronic Transfers
Telephone us toll-free at 1-866-847-8586 or write us at: Chase
Electronic Payment Card Program, P.O. Box 30201, Tampa, FL 33630.
Contact us if you think your statement or receipt is wrong or
if you need more information about the transfer listed on the
statement or receipt. We must hear from you no later than sixty
(60) days after the date of the receipt or the date we sent you
the FIRST statement on which the problem or error appeared:
a) Tell us your name and Card number.
b) Describe the error or the 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.
c) Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint
or question in writing within ten (10) business days. We will
tell you the results of our investigation within ten (10) business
days after we hear from you and will correct any error promptly.
If we need more time, however, we may take up to forty-five (45)
days to investigate your complaint or question. If we decide to
do this, we will re-credit you account within ten (10) business
days for the amount you think is in error, so that you will have
the use of the money during the time it takes us to complete our
investigation. If you advise us of an error in connection with
a POS purchase, we will tell you the results of our investigation
within ten (10) business days. If we need more time, we may take
up to ninety (90) days to investigate this matter. If we decide
to do this, we will re-credit your account within ten (10) business
days for the amount you think is in error. For new accounts, if
the disputed electronic funds transfer or POS transaction occurred
within thirty (30) days of the initial deposit, we will tell you
the results of our investigation within twenty (20) business days.
If we need more time, we may take up to ninety (90) days to investigate
the matter. If we decide to do this, we will re-credit your account
within twenty (20) business days for the amount you think is in
If we ask you to put your complaint or question in writing and
if we do not receive it within ten (10) business days, we will
not re-credit your account. If we decide that there was no error,
we will send you a written explanation within three (3) business
days after we finish our investigation. You may ask for copies
of the documents that we used in our investigation.
GENERAL TERMS AND CONDITIONS
1. Cancellation of Agreement
Your Card Account may be terminated ONLY after we give you twenty-one
(21) days written notification of our intent. You will remain
responsible and liable for any transactions initiated prior to
the effective date of the cancellation and any service charges
incurred. Your use of the card will terminate after you spend
the remaining funds. Your card is our property and you agree to
surrender it upon our demand.
We can delay enforcing any of our rights under this agreement
without losing them.
You must notify the Rhode Island Department of Labor and Training
of any change of address.
4. Governing Laws and Rules; Severability; Enforceability
All Card Accounts opened are subject to, and this agreement shall
be interpreted and enforced in conformity with, our charter and
bylaws, applicable federal laws and regulations, and applicable
laws of the State of Rhode Island and the rules and regulations
of the Federal government and any governmental agency administering
a payment program in which you participate. If any of the terms
of this agreement are determined to be invalid or unenforceable,
the remainder of the agreement shall survive in full force and
effect. This agreement is binding upon and enforceable against
the heirs, legal representatives or successors of the Card holder.
5. Additional Information
You agree to provide us, or you authorize us to obtain, such additional
information from whatever source as is reasonably necessary for
the continuation of this Agreement. You agree to notify the Rhode
Island Department of Labor and Training of any address change.
6. Disclosure of Account Information
We will keep Information about your Card Account (transactions,
balances and statements) confidential. However, we will disclose
information to third parties about your account or the transfers
a) Where it is necessary for completing transfers; or
b) In order to comply with government agency or court orders (we
will send notification to your address in our records unless the
governmental agency has an obligation to notify you or has directed
us not to notify you);
c) If you give us your written permission; or
d) To the Rhode Island Department of Labor and Training concerning
payment of funds and/or Card Account information.
7. Safety Tips When Using ATMs
For your safety, we recommend the following tips:
Be aware of the surrounding area, especially at night.
Never write your PIN on your card.
Use another ATM or come back later, if you notice anything
or anybody suspicious. Be alert for:
- lights out or not working near the ATM
- anyone loitering near the ATM
- shadowed area where someone might lurk
Cancel the transaction in progress, pocket your card and
leave the area if you notice anything suspicious during a transaction.
Always put your cash and Card away before you leave the ATM.
© 2006 JPMorgan Chase & Co. All rights
reserved. Member FDIC.