Express Dollars Disclosure Statement

Express Dollars Disclosure Statement

The undersigned, herein referred to as “Cardholder,” hereby opens an Express Dollars Account, herein referred to as “Account,” and agrees to be bound by all
of the terms and conditions set forth herein. The Account will be administered by the Campus Card Center, located in the Reng Student Services Center, Rm
2205, P.O. Box 1680, State University, Arkansas 72467.
1. THE EXPRESS DOLLARS ACCOUNT.
a. The Account is a record of predeposited funds accessed by the Cardholder for the purpose of purchasing products and services.
b. There is no daily limit on the number of purchases that may be made and debited; however, no debits or charges shall exceed the amount of deposited funds.
c. No interest shall be paid on any balance in the Account.
d. The Cardholder understands and agrees that the Account shall not be used as a credit card or to obtain cash advances.
e. The Cardholder understands and agrees that the Account is nontransferable.
f. The Account will be activated automatically upon receipt by the Campus Card Center of an initial and minimum deposit of ten U.S. dollars (US $10.00). Deposits may be made as follows: (1) in person at the Cashier’s Window with cash, check, money order, credit/check card: (2) by mail with a check, money order, or credit/check card only (All deposits received by mail will be credited to the Account by the following business day); (3) by telephone with a credit/check card only; or (4) via the E Card website through the Pack Portal at Pack Portal. (5) In person deposits may be made at the Cashier’s Window, Reng Student Services Center, Rm 2165, State University, Arkansas 72467. Cash, checks, and credit/check cards are accepted. All deposits received in the Treasurer’s Office by 4:00 p.m., will be credited to the Account by the following calendar day.
g. After initial activation, additional deposits may be made at any time in the amount of five U.S. dollars (US $5.00) or more.
2. FEES. There are no charges assessed to the Cardholder for any transaction(s); however, a check presented for deposit to an Account, which is returned due
to insufficient funds, will be assessed a $25.00 fee. The Cardholder’s Account will be deactivated until sufficient funds are deposited by the Cardholder.
3. THE A STATE EXPRESS CARD. The mechanism for accessing the Cardholder’s Account shall be the A State Express Card, herein referred to as “Card.” The Cardholder must present his/her Card at the time of use in order to purchase products or services.
a. The Card is the property of the Arkansas State University and is nontransferable.
b. The Card may be confiscated from Cardholder as a result of inappropriate or illegal use.
4. LOST OR STOLEN CARDS. a. A lost or stolen Card must be reported immediately in person at the Campus Card Center, via the online E Card website, or by telephone at (870) 972-2900, during the business hours of 8:00 a.m. to 5:00 p.m., Monday through Friday. After business hours, access the online E Card website through the Pack Portal or contact the Arkansas State University Police Department at (870) 972-2093, and then report in person to the Campus Card Center on the following business day to receive a new card.
b. A charge of $20.00 will be imposed for a lost or stolen card. No charge will be imposed for a card that breaks due to normal usage or for a card on which the magnetic stripe no longer works.
5. UNAUTHORIZED PURCHASES. If a Card is lost or stolen, the Cardholder is responsible for unauthorized Account purchases until the Card is reported as lost or stolen to the Campus Card Center or the Arkansas State University Police Department. Once the Card is reported as lost or stolen, the Card (and its associated Account) will be deactivated.
6. REFUNDS AND RETURNS. Merchandise may be accepted for return in accordance with the refund policy in effect at the place of purchase of the product(s) or service(s).
7. ACCOUNT CLOSURE. a. The Account will be closed if the Cardholder ceases to be a student or employee of the Arkansas State University. A refund may be applied for at the Campus Card Center by completing a Refund Request Form. For a student, the Arkansas State University will post a credit, equal to the amount of the refund due, to the Cardholder’s student account. In accordance with our payment card merchant agreement, if a credit/debit card payment has been made towards a student account in the past 18 months, any refund due will be returned to that credit/debit card. If no credit/debit card has been used to make a payment, any refund will be sent via check or direct deposit.
b. The Campus Card Center reserves the right to close any Account that is inactive for twelve (12) months or more. Any balance remaining in an account closed will be transferred to Campus Card Center.
8. RECEIPTS AND STATEMENTS. If the point of sale terminal is equipped to provide a receipt, the Cardholder will either receive a receipt as a matter of course or upon request. It is the Cardholder’s responsibility to ensure that the receipt is correct. A statement can be obtained from the online E-Card website available through the Pack Portal.
9. ERROR RESOLUTION. a. If there is an error on a receipt or activity statement, or if the Cardholder would like more information about a specific transaction, the Campus Card Center may be contacted by telephone at (870) 972-2900. The Campus Card Center may require that the Cardholder submit a written notification with ten (10) business days. b. When making a request for an adjustment to the Account, the Cardholder must furnish the following
information: (1) the Cardholder’s name and Account number; (2) a description of the transaction in question and explanation of the discrepancy; and (3) the dollar amount of the transaction in question. c. The Campus Card Center will investigate the Cardholder’s request and provide a written decision to the Cardholder within (10) business days. If an error is found, the Campus Card Center will make the necessary adjustments to the Cardholder’s Account. If no error is found, the Campus Card Center will provide the Cardholder with a written, explanation within (3) business days of the conclusion of the investigation. The Cardholder may request copies of the document(s) used to conduct the investigation.
10. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES. Information about the Cardholder’s Account will be disclosed to third parties only for the following reasons: (1) in order to complete a transaction; (2) in order to comply with a government agency or court order; (3) in conjunction with all other cardholder accounts in the aggregate but not specific in regard to any individual’s account; or (4) with Cardholder’s written permission.
11. CHANGES IN TERMS AND CONDITIONS. The terms and conditions of this Agreement are effective and remain binding until the Cardholder is otherwise notified in writing. If any changes are made to the terms and conditions, the Campus Card Center shall provide the Cardholder with notice of change(s) at least twenty-one (21) days in advance of the effective date. Prior notice need not be given where immediate change in terms and conditions is
necessary to maintain or restore the security of the Account.
12. GOVERNING LAW. This agreement shall be governed by and construed in accordance with the laws of the State of Arkansas