PURCHASE CUSHION. The Purchase Cushion is a special feature available exclusively to Cardholders who have completed at least one (1) direct deposit transaction. As described above in the section labeled, “Using Your Card/ Features,” you generally do not have the right to make transactions or incur fees in amounts exceeding the available balance of your Card Account. We reserve the right to deny any transaction if available funds in your Card Account are insufficient to cover any transaction, fees, or other charges. However, as a courtesy, and in our sole discretion, upon completing the qualifying direct deposit transaction(s), we may, from time-to-time, approve purchase transactions that you request that create up to a ten- dollar ($10.00) negative balance in your Card Account. We refer to this feature as the Purchase Cushion. You will not be assessed any fees for Purchase Cushion coverage. If you are eligible for the Purchase Cushion, we may authorize a negative balance resulting from PIN-based and signature-based transactions initiated through use of your Card or Virtual Account. Bill pay transactions initiated through our bill pay service providers are not eligible for Purchase Cushion coverage, nor are ATM transactions or ACH debit transactions initiated using the Issuer’s routing number and your Account Number. You may only have one (1) negative balance of up to $10.00 at a time. It is important to keep track of the value in your Card Account because it will be your responsibility to determine if you have incurred a negative balance. If you make a transaction that creates a negative balance in your Card Account, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card Account has a zero or positive balance, or that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your negative balance, your Card will remain open to receive credits and loads, which will automatically be applied to your negative balance before they are available to you; however, you will not be able to make any transactions using your Card or Virtual Account until your Card has a positive balance, i.e., sufficient funds to cover the negative balance. If you have not added sufficient funds to your Card Account to cover the negative balance within sixty (60) days of its creation, we will have the right to cancel your Card...
PURCHASE CUSHION. The Purchase Cushion is a special feature available exclusively to Accountholders who have received qualifying Direct Deposits of paychecks and/or government benefits payments totaling at least five hundred dollars $500.00 within one (1) calendar month.
PURCHASE CUSHION. The features of the Purchase Cushion are described below.
PURCHASE CUSHION. (a) To qualify for the Purchase Cushion feature, you must have a Direct Deposit Plus Account, Employee Account or an Employee Plus Account and have qualified for and opted into the overdraft protection program. As described in this Agreement, you generally do not have the right to make transactions or incur fees in amounts exceeding the Available Balance. We reserve the right to deny any transaction if available funds in your Account are insufficient to cover any transaction, fees, or other charges. However, as a courtesy, and in our sole discretion, we may, from time-to-time, approve purchase transactions that you request that create up to a $15.00 negative Available Balance in your Account. We refer to this feature as the purchase cushion. You will not be charged a fee for use of the purchase cushion, though other applicable fees may apply to transactions that use the purchase cushion.
PURCHASE CUSHION. Section 10.
PURCHASE CUSHION. (a) Unless your Account is using the Temporary Card as the access device or is a Non-Direct Deposit Account (for which purchase cushion is not available), if your Account is in good standing and has been open for at least thirty (30) days, and we have confirmed you have completed at least one (1) recurring direct deposit transaction in the Account, the purchase cushion will be a feature available to you. As described in this Agreement, you generally do not have the right to make transactions or incur fees in amounts exceeding the Available Balance. We reserve the right to deny any transaction if available funds in your Account are insufficient to cover any transaction, fees, or other charges. However, as a courtesy, and in our sole discretion, we may, from time-to-time, approve purchase transactions that you request that create up to a $15.00 negative Balance in your Account if you have the Direct Deposit Account, Direct Deposit Plus Account, Employee Account, or Employee Plus Account. We refer to this feature as the purchase cushion. You will not be charged a fee for use of the purchase cushion, though other applicable fees may apply to transactions that use the purchase cushion.
