Common use of Authorization Holds Clause in Contracts

Authorization Holds. When you use your Card to purchase goods or services or to make a cash back withdrawal transaction, the merchant may request a preauthorization for the transaction. If the merchant makes such a request and there are sufficient available funds in your Account, we will approve the transaction and a “hold” is placed on your Account 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 sixty (60) days, even if you fail to make the purchase, to the extent permitted by applicable law. The merchant controls the timing of both the Card authorization and settlement of the transaction. During the hold period, you may not have access to the preauthorized amount in your Account. We will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Account, even if this results in your Account balance becoming negative. You remain responsible for any negative balances in your Account. If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00. If the Card is declined, but you have sufficient funds available in your Account for which the Card was issued, you should use the Card to pay for the purchase inside with the cashier. 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 up to 20% to ensure there are sufficient funds available 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 once an authorization is approved.

Authorization Holds. When you use your Debit Card to purchase goods or services or to make obtain cash from a cash back withdrawal transactionmerchant, the merchant may request a preauthorization attempt to obtain authorization from us for the transaction. If the merchant makes such a request and there are sufficient available funds in your Accountrequest, we will approve the transaction and place a “hold” is placed hold on your Card Account for up to seven (7) days for the amount of the preauthorization authorization request. In some cases, a merchant may request for a pre-authorization from us for a transaction, which typically occurs when the exact final purchase amount is unknown. A common example is with some hotel locations and car rental agencies. Pre-authorizations are subject to a hold on your Card Account for up to thirty (which 30) days. During a pre- authorization, a merchant may vary decide to increment the original authorized amount if the amount is insufficient for the final purchase, or, they may request to extend the same authorization amount, if the final purchase date will be in some cases the future. These events will result in a hold for that amount of funds for up to another thirty (30) days from the adjustment date. If you use your Debit Card at an automated fuel dispenser (“Pay at the pump”), the merchant may preauthorize the transaction amount of $100.00 or more. If your Debit Card is declined, even though you have sufficient funds available, use your Debit Card to pay for your purchase inside with the actual cashier. This hold will be released once merchant submits the transaction for settlement. If you use your Debit Card at a restaurant, a hotel, for a car rental purchase, depending on or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus 20% or purchase type), more to ensure there are sufficient funds available to cover tips or incidental expenses that may be incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase, or for . It may take up to sixty ten (6010) days, even if you fail days for the hold to make the purchase, to the extent permitted by applicable law. The merchant controls the timing of both the Card authorization and settlement of the transactionbe removed. During the hold period, you may will not have access to the preauthorized amount in your Accountamount. We Neither the Issuer nor PayPal will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, we will debit the actual transaction amount will be debited from the record of value in your AccountPayPal Business Balance, even if this results in your Account balance PayPal Business Balance becoming negative. You remain responsible for any negative balances amounts. These holds also affect the availability of funds in your AccountPayPal Business Balance. If Please refer to the terms of the PayPal User Agreement and/or the PayPal Balance Terms and Conditions between you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized and PayPal for an amount up to $100.00. If the Card is declined, but you have sufficient funds available in your Account for which the Card was issued, you should use the Card to pay for the purchase inside with the cashier. 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 up to 20% to ensure there are sufficient funds available to cover tips or incidental expenses incurredadditional information. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card once an authorization is approvedyour Debit Card.

Authorization Holds. Certain merchants may ask us to authorize a transaction in advance and may estimate its final value. When you use your Card to purchase goods or services or to make a cash back withdrawal we authorize the transaction, we commit to making the merchant requested funds available when the transaction finally settles and may request place a preauthorization temporary hold on your Card’s available balance for the amount submitted by the merchant. We will only post the correct amount of the final transaction to your Card. Until the transaction finally settles, or 3 business days have passed, whichever occurs first, the funds subject to the authorization hold will not be available to you for other purposes. Transactions with certain types of merchants, such as hotels, are subject to a 10 business-day hold. Some merchants may also add an amount (such as an estimated tip) to ensure that sufficient funds will be available to cover the final transaction; therefore, the authorization hold may be for more or less than the final transaction amount. If the merchant makes such a request and there are sufficient available funds in your Account, we will approve the transaction and a “hold” is placed on your Account for the amount of the preauthorization authorization request (which may vary in some cases from exceeds the amount of the actual purchase, depending available funds on the merchant or purchase type), until the merchant sends the final payment amount of your purchase, or for up to sixty (60) days, even if you fail to make the purchase, to the extent permitted by applicable law. The merchant controls the timing of both the Card authorization and settlement of the transaction. During the hold period, you may not have access to the preauthorized amount in your Account. We will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Account, even if this results in your Account balance becoming negative. You remain responsible for any negative balances in your Account. If you use the Card at an automated fuel dispenser (“pay at the pump”)Card, the transaction may be preauthorized declined. We are not responsible if we do not authorize or pay subsequent Card transactions while such an authorization hold is in place. The merchant still has the authority to post the transaction after the authorization has expired if an authorization was initially obtained. In addition, if you commence a purchase and the merchant obtains an authorization and then you cancel the purchase without completing it, the authorization may result in a temporary hold for an that amount up of funds for 3 business days or 10 business days, as applicable. IF YOUR CARD IS LOST OR STOLEN Contact us AT ONCE if you believe your Card has been lost or stolen, or that someone has used or may use your Card without your permission, by calling 0-000-000-0000. You may also write us at: Cardholder Services, P. O. Box 7235 Sioux Falls, SD 57117-7235. The Card may be replaced, with certain restrictions, and subject to $100.00a fee. If You must provide the Card is declinednumber, but and you must have sufficient funds available registered as the recipient. FEES Purchase Fee $2.00 (when purchased in your Account for which the a branch) $3.50 (when purchased online) Card was issued, you should use the Inactivity Fee $1.00/month after 12 months of no activity* Lost Card to pay for the purchase inside with the cashier. 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 up to 20% to ensure there are sufficient funds available 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 once an authorization is approved.Replacement Fee $8.00

Authorization Holds. When you use your Card to purchase goods or services or to make obtain cash from a cash back withdrawal transactionmerchant, the merchant may request a attempt to obtain preauthorization from us for the transaction. If the merchant makes such a request and there are sufficient available funds in your Accountrequest, we will approve the transaction and place a “hold” is placed hold on your Card Account for up to ten (10) days 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 merchant). If you authorize a transaction and then fail to make a purchase type)of that item as planned, until the merchant sends the final payment approval may result in a hold for that amount of your purchase, or funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days, even if you fail to make the purchase, to the extent permitted by applicable law. The merchant controls the timing of both the Card authorization and settlement of the transaction. During the hold period, you may not have access to the preauthorized amount in your Account. We will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Account, even if this results in your Account balance becoming negative. You remain responsible for any negative balances in your Account. If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $)100.00. If the Card is declined, but even though you have sufficient funds available in your Account for which the Card was issuedavailable, you should use the Card to pay for the your purchase inside with the cashier. This hold will be released once the merchant submits the transaction for settlement, which may take up to ten (10) days. 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 up to 20% to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Preauthorization will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. It may take up to ten (10) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount(s). We will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, we will debit the actual transaction amount from the record of value available in your Balance Account, even if this results in your Balance Account becoming negative. You remain responsible for any negative amounts. These holds also affect the availability of funds in your Balance Account. Please refer to the terms of the PayPal User Agreement and the PayPal Balance Terms and Conditions between you and PayPal for additional information. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card once an authorization is approvedCard.

Authorization Holds. When you use your Card to purchase goods or services or to make a cash back withdrawal transaction, the merchant may request a preauthorization for the transaction. If the merchant makes such a request and there are sufficient available funds in your Account, we will approve the transaction and a “hold” is placed on your Account for the amount am ount 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 sixty (60) days, even if you fail to make the purchase, to the extent permitted by applicable law. The merchant controls the timing of both the Card authorization and settlement of the transaction. During the hold period, you may not have access to the preauthorized amount in your Account. We will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Account, even if this results in your Account balance becoming negative. You remain responsible for any negative balances in your Account. If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00. If the Card is declined, but you have sufficient funds available in your Account for which the Card was issued, you should use the Card to pay for the purchase inside with the cashier. 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 up to 20% to ensure there are sufficient funds available 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 once an authorization is approved.

Authorization Holds. When you use your Card to purchase goods or services or to make obtain cash from a cash back withdrawal transactionmerchant, the merchant may request a attempt to obtain preauthorization from us for the transaction. If the merchant makes such a request and there are sufficient available funds in your Accountrequest, we will approve the transaction and place a “hold” is placed hold on your Card Account for up to ten (10) days 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 merchant). This hold may affect the availability of funds in your Balance Account. If you authorize a transaction and then fail to make a purchase type)of that item as planned, until the merchant sends the final payment approval may result in a hold for that amount of your purchase, or funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days, even if you fail to make the purchase, to the extent permitted by applicable law. The merchant controls the timing of both the Card authorization and settlement of the transaction. During the hold period, you may not have access to the preauthorized amount in your Account. We will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Account, even if this results in your Account balance becoming negative. You remain responsible for any negative balances in your Account. If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00. If the Card is declined, but even though you have sufficient funds available in your Account for which the Card was issuedavailable, you should use the Card to pay for the your purchase inside with the cashier. This hold will be released once the merchant submits the transaction for settlement, which may take up to ten (10) days. 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 up to 20% to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Preauthorization will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. It may take up to ten (10) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount(s). We will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, we will debit the actual transaction amount from your Balance Account, even if this results in your Balance Account becoming negative. You remain responsible for any negative amounts. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card once an authorization is approvedCard.

Authorization Holds. When you use your Card to purchase goods or services or to make a cash back withdrawal transaction, the merchant may request a preauthorization for the transaction. If the merchant makes such a request and there are sufficient available funds in your Account, we will approve the transaction and a “hold” is placed on your Account 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 sixty (60) days, even if you fail to make the purchase, to the extent permitted by applicable law. The merchant controls the timing of both the Card authorization and settlement of the transaction. During the hold period, you may not have access to the preauthorized amount in your Account. We will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Account, even if this results in your Account balance becoming negative. You remain responsible for any negative balances in your Account. If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00. If the Card is declined, but you have sufficient funds available in your Account for which the Card was issued, you should use the Card to pay for the purchase inside with the cashier. 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 up to 20% to ensure there are sufficient funds available 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 once an authorization is approved. mesmo que se você utilizasse o próprio Cartão. Por razões de segurança, a quantidade ou o número dessas transações que você pode fazer podem ser limitados. ix.

Authorization Holds. When you use your Card to purchase goods or services or to make obtain cash from a cash back withdrawal transactionmerchant, the merchant may request a attempt to obtain preauthorization from us for the transaction. If the merchant makes such a request and there are sufficient available funds in your Accountrequest, we will approve the transaction and place a “hold” is placed hold on your 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 typemerchant). This hold may affect the availability of funds in your Account balance and result in a hold for that amount of funds for up to thirty (30) days. If you use your Card at an automated fuel dispenser (“Pay at the pump”), the merchant may preauthorize the transaction amount up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, use your Card to pay for your purchase inside with the cashier. This hold will be released once merchant submits the transaction for settlement. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses that may be incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase, or for . It may take up to sixty thirty (6030) days, even if you fail days for the hold to make the purchase, to the extent permitted by applicable law. The merchant controls the timing of both the Card authorization and settlement of the transactionbe removed. During the hold period, you may will not have access to the preauthorized amount in your Accountamount. We will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, we will debit the actual transaction amount will be debited from your AccountAccount balance, even if this results in your Account balance becoming negative. You remain responsible for any negative balances in associated with your Account. If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00. If the Card is declined, but you have sufficient funds available in your Account for which the Card was issued, you should use the Card to pay for the purchase inside with the cashier. 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 up to 20% to ensure there are sufficient funds available to cover tips or incidental expenses incurredCard. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card once an authorization is approvedyour Card.