Fursure Wallet Consumer Deposit Account Program
The following TransPecos Banks Consumer Deposit Account Disclosures (“Disclosures”) apply to the demand deposit account (“Account”) issued by TransPecos Banks, SSB, a Texas state savings bank (“Bank”), member of the Federal Deposit Insurance Corporation (“FDIC”) and chartered under the laws of the State of Texas. These Disclosures are incorporated by reference into the TransPecos Banks Consumer Deposit Account Agreement (“Agreement”) and TransPecos Banks Consumer Visa Debit Cardholder Agreement (“Cardholder Agreement”). FurShur Inc. (“Program Partner”) is responsible for assisting the Bank with the administration of the Fursure Wallet Consumer Deposit Account program (“Program”). Capitalized terms not otherwise defined herein are ascribed the same meaning as set forth in the Agreement.
1.1 How to Contact Us
For most matters, you should email us at support@getfursure.com or contact us via the Online Banking Application. You may also contact us at 510-603-6053, Monday through Friday from 9:00 a.m. to 9:00 p.m. ET. The Program Partner’s website is available at https://www.getfursure.com/.
For questions or concerns about any debit card-related transactions, including, but not limited to: (i) if your debit card, debit card number, or PIN is lost, stolen, or misplaced; (ii) the fraud alerts program or support for Visa or (iii) if you would like us to stop a recurring debit to your debit card, please contact us at 1-833-333-0417.
For questions or concerns about any non-card transactions, including, but not limited to: (i) suspected errors or unauthorized EFTs; or (ii) if you would like to place a stop payment request for preauthorized transfers, please contact us at support@getfursure.com and/or Online Banking Application.
If applicable, for questions or concerns about checking your current interest rate; substitute checks or check standards; or closing your Account, please contact us at support@getfursure.com and/or Online Banking Application.
For questions or concerns about updating your name, address, or other contact information; identity theft; reporting account takeover; checking the status of a transaction; or providing instructions regarding a transaction, such as direct deposits and other incoming ACH transactions, please contact us at support@getfursure.com.
1.2 Paperless Account
To open an Account, you must agree to go “paperless.” This means that you must (a) provide us with and continue to maintain a valid email address and (b) accept electronic delivery of all communications that we need or decide to send you in connection with your Account by agreeing to the Fursure Electronic Disclosure and Consent.
1.3 Joint Account Applicability
Your Account does not allow joint ownership.
1.4 How To Open an Account
You may open an Account by visiting the Program Partner’s website at https://www.getfursure.com/ and following the instructions there.
You may also open an Account by downloading the Fursure mobile application and following the instructions within the application.
1.5 Minimum Deposits and Balances
There is no minimum deposit required to open an Account and no minimum balance you need to maintain in your Account.
1.6 Interest Disclosures
This Account is not interest-bearing. No interest will be paid on this Account.
1.7 Confidentiality and Our Privacy Policy
Information about your Account and your transactions is collected by pursuant to the Agreement. The Program Partner’s privacy policy is available at https://www.getfursure.com/policies-items/fursure-privacy-policy.
1.8 Deposits Into Your Account
You may make deposits into your Account using any of these methods described below. We do not charge you any fees for making deposits.
Deposit Method
Limitations for Your Account
Direct Deposits and other ACH transfers initiated by a third party*
No limits
ACH transfers to your Account from a connected U.S. bank account with another institution (see the “Transfers To or From Connected U.S. Bank Accounts” section of the Agreement)**
$1,000/day
$10,000/month
Cash deposit at in-network ATM
$2,000/day
You can identify an in-network ATM by looking for the Allpoint logo on or near the ATM. You cannot make cash deposits at out-of-network ATMs.
* The recipient’s name on any direct deposit or ACH must match the name on the Account or the deposit may be returned to the originator.
** You may transfer funds between your Account and another bank account. The connected bank account must be located in the United States.
1.9 Our Funds Availability Policy
It is our policy to make deposits to your Account available for withdrawal according to the table provided in the “Our Funds Availability Policy” section of the Agreement, except where limited by us pursuant to the “Transfers To or From Connected U.S. Bank Accounts” section of the Agreement.
Your Account supports the following types of deposits:
If you make or receive a deposit via…
Direct Deposits and other ACH transfers initiated by a third party
Cash deposit at in-network ATM
1.10 Withdrawals From Your Account
You, or, if applicable, an Authorized User, may withdraw funds up to the amount of your Available Balance less applicable fees using any of the methods below and subject to the following limits:
Withdrawal Method
Limitations for Your Account
ACH transfers from your Account from a connected U.S. bank account with another institution (see the “Transfers To or From Connected U.S. Bank Accounts” section of the Agreement)
$5,000/day
$10,000/month
ACH transfers to a merchant or other third party you authorize to withdraw from your Account using your routing number and account number
No limits
ATM withdrawals
$500/day
Point-of-sale (POS) transactions, online purchases, and other transactions at merchants using your debit card
$2,000/day
1.11 Overdraft Services
We do not offer overdraft services or charge fees for overdrafts or non-sufficient funds. We typically will return or decline to process a transaction (including, where applicable, ATM and debit card transactions) if it exceeds your Available Balance.
However, it is still possible for you to overdraft your Account, such as when you write checks (since there is a delay between when you write the check and when we receive it for processing), when we settle authorized debit card transactions, as discussed in the “Debit Card Authorization” section of the Agreement, or if a deposit you make is returned.
You must make a deposit immediately to cover any negative balance, including a negative balance resulting from an overdraft, without notice or other demand from us. If your Account has a negative balance for sixty (60) calendar days or more, we may close your Account. We reserve the right to close your Account at an earlier date, as permitted by law.
1.12 Fee Schedule
International transaction fee
One percent (1%) of the transaction
You will be charged this fee for any ATM or POS transactions conducted outside the United States or online transactions conducted with a merchant outside the United States.
Out-of-network ATM transaction fee
You may be charged a fee, including for balance inquiries, by the operator of an out-of-network ATM.
You can avoid fees by using an in-network ATM. You can identify an in-network ATM by looking for the Allpoint logo on or near the ATM.
1.13 Types of EFTs Supported by Your Account
Your Account supports the following types of EFTs:
1.14 P2P Transfer Services Applicability
The P2P Transfer Service is not enabled for your Account; therefore, the P2P Transfer Services section of the Agreement is not applicable to your Account.
1.15 Check Deposits, Mobile Deposit Services, and Check Writing Applicability
The Check Deposit Services are not enabled for your Account; therefore, the Check Deposits, Mobile Deposit Services, and Check Writing section of the Agreement is not applicable to your Account.
1.16 Wire Transfers Applicability
Wire transfers are not enabled for your Account; therefore, the Wire Transfers section of the Agreement is not applicable to your Account.
1.17 Debit Card Applicability
Debit cards are enabled for your Account; therefore, the Cardholder Agreement applies to your Account.