The Card

The Debit Card is issued by the Sutton Bank and it is not intended for gifting purposes. The card cannot be redeemed for cash, is not for resale, and may not be transferred or assigned.

Activating Your Card

You must activate your Card before it can be used. You may activate your Card by calling (844) 314-4888. To activate your Card, you will need to provide certain user Information so we can verify your identity and then select a PIN. By activating your Card, you agree that: (a) you are at least 18 years of age; (b) you are a U.S. citizen or legal alien residing in the United States; (c) the User Information is truthful, accurate, current, and complete; (d) you received a copy of this Agreement and our Privacy Policy and agree to be bound by and to comply with their terms; and (e) you accept your Card.

Using Your Card

You may use your Card to make purchases at any location that accepts MasterCard debit cards. You are not allowed to exceed the amount of available funds in your Card Account through an individual transaction or a series of transactions. To check for the balance information please contact 

Merchant Holds on Available Funds

When you use your Card or Card number to initiate a transaction at certain merchant locations, such as hotels, restaurants, gas stations, and rental car companies, where the final purchase amount is unknown at the time of authorization, a hold may be placed on the available funds in your Card Account for an amount equal to or in excess of the final transaction amount. The funds subject to the hold will not be available to you for any other purpose until the merchant sends us the final transaction amount. Once we receive the final transaction amount, it may take up to seven days for the hold to be removed. During that period, you will not have access to the funds subject to the hold. Please be advised that you may experience difficulties using your Card at unattended vending machines, kiosks, and gas station pumps.

Cash Access

With your PIN, you may use your Card to withdraw cash at ATMs.

Adding Funds to Your Card

You may not add funds to your Card Account from any other source, including credit cards, debit cards, bank accounts, cash or by sending personal checks, cashier’s checks, retailer load networks (e.g. GreenDot, MoneyGram, Western Union, etc.), or money orders to the Bank. The Bank will return all checks and money orders.

Transaction Limits

The maximum value of your Card Account at any time is $10,000. The maximum amount that can be added to your Card Account per day is $10,000. The maximum amount that can be spent using your Card Account per day is $10,000. The maximum amount that can be spent using your Card Account in a 30-days period is $10,000. The maximum amount that can be withdrawn from your card per day is $500. The maximum cashback you may withdraw per day is $500. The maximum cash withdraw (ATM) or cashback is $2,000 a month. 


You will not receive cash refunds for Card transactions. If a merchant gives you a credit for merchandise returns or adjustments, the merchant may do so by processing a credit adjustment, which we will credit to the available funds in your Card Account. We are not responsible for the delivery, quality, safety, legality, or any other aspects of goods or services that you purchase with your Card. 

Fee Schedule

The following fee schedule lists the fees applicable to the Program. In some cases, the actual fee charged may be lower than the fee stated in the fee schedule.

Fee ATM Withdrawal (In-Network)*

$2.50 per withdrawal

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