Cardholder Agreement

TPP Visa Prepaid Incentive Card

Section I. Definitions

In this Agreement, “Card” means the TPP Visa Prepaid Incentive Card, issued to you by Customers Bank (“Issuer”), as a Visa® corporate incentive card holding the associated balance or funded value. The Issuer is an FDIC-insured member institution. TPP LLC is a registered agent of Customers Bank. “Card Account” or “Account” means the records we maintain to account for the value of the Card. The words “you”, “your” and “yours” in this Agreement mean the person(s) who has received the card or is authorized to use the Card as described below. The words “we”, “us” and “our” mean Customers Bank, our successors, affiliates, agents or assignees. “Business Day” or “Banking Day” means Monday through Friday, excluding holidays. By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement.

Section II. General Terms

This Cardholder Agreement (hereinafter, “Agreement”) contains the terms that apply to your TPP Visa Prepaid Incentive Card; the Card may be used only in the manner and for the purposes authorized by this Agreement.


To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. When you open a Card Account, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask for a copy of your driver’s license or other identifying documents.

In order to receive a Card, you must be a resident of the United States.

You may not use the Card for any illegal purpose, including the purchase of illegal goods or services. You agree to take steps to ensure that you do not use the Card for any transaction that is illegal under the laws governing your Card Account. Issuer reserves the right to deny transactions or authorizations from merchants apparently engaging in the Internet gambling business or identifying themselves through the Card transactions record or otherwise as engaged in such business. Additionally, Issuer reserves the right to otherwise block or deny transactions from any merchant as we deem fit, with or without notice.

By signing, activating, accepting or using the Card, you agree to be bound by the terms and conditions contained in this Agreement which govern the use of the Card. Read this Agreement thoroughly before using the Card and keep it for future reference.

Section III. Card Description and Function

The Card is a proprietary Visa corporate incentive prepaid card. The Card accesses funds previously loaded on the Card by a corporation. Funds cannot be loaded onto the Card by the cardholder. All future loading of funds to the Card will be from a corporation.

The Card is not directly linked to any checking or credit card account. The Card is neither a gift card nor a credit card and you are not permitted to resell a prepaid card. The funds reserved to the Card are FDIC-insured to the extent applicable to the Card Account.

Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of your Card. If you permit another person to have access to your Card or Card number, we will treat this as if you have 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 and conditions of this Agreement.

Section IV. Transaction Types, Limitations and Alerts
Using the Card You may use the Card to:
  • Pay for purchases of goods or services at merchants who accept Visa debit cards, and have agreed to accept the Card for point-of-sale-transactions;
  • Obtain cash at financial institutions that accept Visa debit cards;
  • Perform transactions at an automated teller machine (“ATM”) that displays the Visa®, Plus®, STAR®, or
  • MoneyPass® Acceptance Mark;
  • Access online services to obtain Card balances and review recent Card history at, or by phone, at 1-855-346-6070.
Activating the Card and obtaining a PIN

You must activate your Card before it can be used. After receiving your Card in the mail, you can activate it online at, or by phone, at 1-855-346-6070. You will be asked to provide personal information in order to verify your identity.

The cardholder may select a Personal Identification Number (PIN), which will allow use of the Card at an ATM or point-of sale. Following Card activation, you will be prompted to set up your PIN. You may establish your PIN either online ( or by calling 1-855-346-6070 and following the instructions.

The Card and PIN are provided for your use and protection, and you agree to:
  • Not disclose the PIN or record it on the Card or otherwise make it available to anyone else;
  • Use the Card, the PIN and any ATM or point-of-sale terminal as instructed;
  • Promptly notify us of any loss or theft of the Card or PIN;
  • Be liable for any transaction made by a person you authorize or permit to use the Card and/or PIN. If you
  • permit someone else to use the Card, we will treat this as if you have authorized this person to use the
  • Card and you will be responsible for any transaction initiated by such person with the Card.
C. Limits

The maximum card value at any one time is $10,000.00. If the Card has $10,000.00 available, additional amounts may not be loaded onto the Card. The maximum amount that can be loaded to the Card at any one time is $10,000.00 and no more than $10,000.00 in a one (1) day period. The maximum amount that can be spent on your Card per day for point-of-sale transactions is $1,900.00 and $1,900.00 per transaction. The initial Card load minimum is $.01. Thereafter, the minimum value that may be loaded onto the Card at any time is $.01, but may vary based on load method used. The maximum amount allowable for cash withdrawals from ATMs is $500.00 per transaction and $1,000.00 per day with a maximum of five (5) transactions per day; cash back from merchants is $100.00 per transaction and $100.00 per day with a maximum of five (5) transactions per day. When the Card is used to obtain goods or services or to obtain cash, the merchant may attempt to obtain preauthorization from the Card for the transaction. A seven (7) business day hold may be placed on the Card for the amount of the preauthorization request. Certain types of transactions (like hotels and airlines) may have a 30 business day hold. If the preauthorization request amount varies from the actual transaction post amount, the preauthorization hold amount may remain on the Card until the required number of days expires. As a result, subsequent preauthorization requests against the hold amount may cause the transaction to be declined. A preauthorization amount may differ from the actual transaction post amount if the final amount of the transaction is unknown, such as when dispensing fuel or adding a tip at a restaurant.

Text and email alerts

When you opt in to optional text messaging and/or email alert service, you agree to update your information for text messages and/or email alerts, including any changes in the phone number or email address to be used. You understand that we will make our best effort to send and deliver the alerts and you agree not to hold the Issuer liable for alerts not sent or received by you. Your wireless carrier may charge fees for data usage and text messaging services, and these fees are in addition to any related fees as outlined in this Agreement.

Conversion to U.S. Dollars

Transactions made in currencies other than U.S. Dollars will be converted into U.S. Dollars. The exchange rate used to convert the currency used in an international transaction into the billing currency, shall, in each instance, be either a rate selected by Visa from the rates available in wholesale currency markets for the applicable processing date and may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable processing date, plus any fees as outlined in this Agreement. Conversion to U.S. Dollars may occur on a date other than the date of the transaction, thus the actual conversion rate may differ from the rate in effect at the time of the transaction. You agree to pay the converted amount plus any applicable conversion charges.

Card Expiration

Subject to applicable law, you may use the Card only through its expiration date, which is stated on the Card. If you attempt to use the Card after the expiration date, the transactions may not be processed. When a Card is issued to you, the Card will have an expiration date and will expire accordingly. If you have remaining funds on your expired Card you will be able to obtain the funds from us. The remaining funds will be returned to the cardholder within 30 days after calling us at 1-855-346-6070 and asking for a refund of the balance. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00.

Card Cancellation

In the event your Card Account is cancelled, closed, or terminated for any reason, you may request the unused balance to be returned to you via check sent to the mailing address we have in our records. For security purposes, you may be required to supply identification and address verification documentation prior to issuing a refund check. Allow up to ten (10) business days for processing and mailing of the refund check. In the event this Card Program is cancelled, closed, or terminated, we will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Card Account balance, will be in the notice. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00.

Section V. Payments

Each time the Card is used, the amount of the transaction will be debited from the Card balance. You may not exceed the Card balance available on the Card by any individual or series of transactions. If you conduct a transaction which exceeds the Card balance, you remain fully responsible for either the amount of the transactions approved or the cash withdrawn, and any applicable fees. If there is a negative balance, we reserve the right to permanently close the Card at any time.

Except for Recurring Transactions (defined below), you do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to seven (7) days. All transactions relating to hotels, cruise lines, taxis or car rentals may result in a hold for that amount of funds for up to thirty (30) days.

You may use your Card for any Recurring Transactions. “Recurring Transactions” are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, Internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment, you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling us at 1-855-346-6070. If you notify us orally by telephone, we may require you to provide a written confirmation within 14 days of your call. You can authorize us to stop such payments by mailing us at 30 Jericho Executive Plaza, Suite 600W, Jericho, NY 11753. You must give us notice by any of these methods in time for us to receive your request three (3) Business days or more before the payment is scheduled to be made.

Section VI. Fees

You agree that the following fees apply to the Card and may be charged to the Card or Card Account. After the initial fee for the Card Purchase (if applicable), fees will be debited from the Card and Card Account.

All fee amounts will be withdrawn from your Card Account and will be assessed as long as there is a remaining balance on your Card Account, except where prohibited by law. Anytime your remaining Card Account balance is less than the fee amount being assessed, the balance of your Card Account will be applied to the fee amount resulting in a zero balance on your Card Account.

Check fees here.

If you use an ATM for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator only and is not assessed by TPP LLC. This ATM fee amount will be charged to your Card at the time of the transaction.

Section VII. Verification of Transactions and Statements

You are entitled to receive a transaction record or receipt each time a transaction is completed using the Card at an electronic terminal or ATM. You may obtain information about your balance by calling 1-855-346-6070, or by accessing your account online at, along with a one-hundred twenty (120) day history of Card account transactions. You also have the right to receive a written, monthly statement by calling 1-855-346-6070, emailing, or writing to us at: 30 Jericho Executive Plaza, Suite 600W, Jericho, NY 11753. You will not automatically receive a monthly paper statement and there is a fee for receiving a paper statement.

Section VIII. Our Liability for Failure to Complete Transactions

If we do not properly complete a transaction for your Card on time or in the correct amount according to our Agreement with you, we will be liable only for your actual and reasonable losses or damages. However there are some exceptions. We will not be liable, for instance:

If you have insufficient funds available on the Card to cover a transaction (through no fault of ours); or A merchant refuses to accept your Card; or A terminal or system where you are making a transaction does not operate properly; or If access to your Card has been blocked after you reported your Card lost or stolen; or If there is a hold or your funds are subject to legal process or other encumbrance restricting their use; or If we have reason to believe the requested transaction is unauthorized; or Despite reasonable precautions, circumstances beyond our control (such as flood or fire) prevent or delay the transaction; or We have blocked or restricted Card usage at certain merchants and/or locations.

Section IX. Unclaimed Funds

The balance remaining on the Card may become unclaimed funds escheatable to the state, if, as shown by our record, you have not, within the applicable statutory period, requested refund of unused funds on the expired or canceled Card, corresponded with us concerning the Card, or transacted any business on the Card. If that occurs, the funds will escheat to the state in which your last known address was located according to our records or the state where the Card was purchased.

Section X. Unauthorized Transfers

Tell us at once if you believe the Card has been lost or stolen, or if you believe that an electronic fund transfer or transaction has been made without your permission. Telephoning is the best way of keeping your possible losses down; contact us at 1-855-346-6070. Also, if the online Card history or statement shows transfers or transactions that you did not make, tell us at once.

Section XI. Error & Dispute Resolution Procedures

In case of errors, questions or discrepancies about Card transaction(s) call 1-855-346-6070, or write to us at 30 Jericho Executive Plaza, Suite 600W, Jericho, NY 11753 as soon as possible. You must contact us within 60 days from the date the transaction appears on your online Card account history available at (or monthly statement if you have paper statements mailed), and you must provide us with the following information:

Your name and card number.

A description of the error or the transaction you are unsure about, when it occurred, and why you believe it is an error or why you need more information. 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 determine whether an error occurred within ten (10) business days after we hear from you and will promptly correct any error. If we need more time to investigate, however, we may take up to 45 or 90 days (90 days for point-of-sale transactions or foreign-initiated transfers). If we decide to do this, we will credit the Card within ten (10) business days for the amount you think is in error and you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within ten (10) business days, we may not credit your Card. We will tell you the results within three (3) business days after completing our investigation. You may ask for copies of the documents that we used in our investigation.

Section XII. Visa Zero Liability Policy You will not be held liable for unauthorized purchases made with your Card. This does not include ATM transactions or PIN transactions not processed by Visa. You must notify us immediately of any unauthorized use. Other conditions and exclusion may apply. For more information, visit

Section XIII. Lost or Stolen Cards

If the Card is lost or stolen, promptly notify us by calling 1-855-346-6070. A replacement Card may be issued. Any applicable card replacement fee will be charged against the Card Account. Keep a record of your Card number in a safe place, separate from the Card to assist in replacement.

Section XIV. Disclosure of Information to Third Parties

Information about the Card or Card transactions may be disclosed to and by third parties on our behalf only: Where necessary to complete the transaction (e.g., to verify the existence or condition of your Card to a merchant); or To comply with government agency or court orders or as otherwise required by law or in connection with examinations by banking authorities; or For analytical purposes; or With your permission

Section XV. Legal Actions Affecting Your Card or Card Account

If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to the Card or Card Account, we will comply with that legal action. Or, in our discretion, we may freeze the assets on the Card or Card Account and not allow any payments out of the Card or Card Account until a final court determination regarding the legal action is received. In such cases, we will not have any liability to you if there are insufficient funds on the Card or in any way restrict access to your funds in accordance with the legal action.

Section XVI. Amendment and Governing Law

We may change the terms and conditions of this Agreement by posting the revised terms to our website or by another method permitted by law. This agreement is governed by federal laws and, to the extent not preempted, by the laws of the Commonwealth of Pennsylvania.

This Cardholder Agreement is effective as of 09/30/2016

Have a question?

Please email us at or give us a call at +1 (305) 363-7970 during business hours Monday thru Friday 9am to 5pm EST. Our customer service team is ready to help with any questions you may have.

If you need help with your TPP e-wallet account, please contact TPP at or call 877-TPP-FORU (877-3678)

Payments made easy

Your CMBPaycard account allows you to receive funds directly to your bank account in an easy to follow two-step process. After hitting "pay me now," your earnings will be loaded to your TPP e-wallet. Thereafter, you can log into your TPP account and initiate a bank transfer. Once initiated, bank transfers should arrive directly in your bank account in about 3 days.

Your TPP e-wallet

If you need help setting up your e-wallet account, transferring funds in your wallet to your bank, or to check your transaction history, please visit TPP's site directly at tppcardsonline.