The services provided on this The Card Services Center website (the "Service") are provided by Card Assets a division of First Arkansas Bank & Trust ("we", "us", or "our") so cardholders ("you") can access account information online. Cardholders and any other persons accessing The Card Services Center website are subject to these terms and conditions for use of the site and the Service.
Access to the Service
To use the Service you will need an Internet-ready device. For your security, we require your browser to use strong encryption (TLS 1.2 or higher) and be JavaScript enabled when using our website. You will be able to access your account information on The Card Services Center website only if you have signed up for the Service. To ensure successful registration with the Service, all the information you provide to us must be accurate, complete, and current. By submitting your Log-In information, you are authorizing us to verify any of the information you provided. Verification of your identity may be achieved through the use of the third-party services.
Account Information
We determine what information you will be able to access through the Service. Unless you elect to receive your statement online, the account information on this Service is not intended to replace the regular statement you receive by mail or other means. Please refer to your full credit card statement for complete account information, including important information about your rights and obligations. Although we take steps to promote accuracy, we are not responsible for the accuracy of statement information appearing on this Service or any other issues relating to your account. Any questions regarding the accuracy of your account summary or detail must be addressed directly by contacting The Card Services Center. Copies of previously delivered paper statements must be requested from The Card Services Center at P.O. Box 723847, Atlanta, GA 31139-0847.
Payment
You are responsible for ensuring timely payment of all bills and for the method you use to make your payments. Any payment service you access through links from this site is separate from this site and subject to the terms and conditions provided by such other service and terms of use for that other site. The Card Services Center is not responsible for problems or issues related to your payments.
Security
Although we use stringent security measures and take reasonable steps to protect your account and other personal information, the Internet is a public network, and we cannot guarantee that any information transmitted or transactions conducted via the Internet are absolutely secure or that a third party will not be able to access or intercept such payment information. We do not tolerate fraud and reserve the right to take reasonable measures to detect and prevent it. For security purposes, we may view, monitor, and record activity on this site without notice or permission from you. Any information obtained by monitoring, viewing, or recording may be subject to review by law-enforcement organizations in connection with investigation or prosecution of possible criminal activity on the site. We will also comply with all court orders involving requests for such information. Actual or attempted fraud or other unauthorized use of this site or the Service may result in criminal and/or civil prosecution and immediate termination of your right to use the Service.
Conduct
While accessing this site or using the Service, you agree not to:
We reserve the right, in our sole discretion, either to refuse to post or to remove any information or materials, in whole or in part, that do not comply with these terms. We also reserve the right, in our sole discretion, to prohibit from using this site or the Service any user who violates these terms. Such prohibition may occur without notice to the user.
Linked Sites
This site may contain links to other sites operated by third parties ("Linked Sites"). You access any Linked Site at your own risk. We are not a party to any agreements you enter with Linked Sites and are not responsible for the services offered by such sites.
Liability Limitations
We will not be liable for any loss resulting from a cause over which we do not have direct control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, power outages, telephone or other interconnect problems, computer viruses, "hacking," unauthorized access, theft, operator errors, delays in the banking system, severe weather, earthquakes, natural disasters, strikes or other labor problems, acts of terrorism, wars, or governmental restrictions. In addition, we will not be responsible for any problems, costs or consequences of:
One-Time Payments
Payments submitted online Monday through Friday before 5:00 PM CT will be posted to your credit card account on that day unless the day is a legal holiday or other day that we are not open for business. Online payments made after 5:00 PM CT or on weekends, holidays or other days that we are not open for business will be posted on the next processing day. [Note that such payments may not be posted to the checking or savings account you designate as your payment account until a subsequent day.] Except as otherwise required by law, payments will be credit as of the date of posting.
Online payments can only be scheduled for amounts less than or equal to the current balance.
IMPORTANT: Any online payments you make from a checking or savings account that is different from the account designated for automatic payments will cause future automatic payments to be drafted from the checking or savings account last entered. You will need to update your records accordingly.
ACCEPTANCE: I have read and understand the terms and conditions provided above. I authorize my issuer to initiate a one-time payment to withdraw the specified amount from my designated checking or savings account ("Deposit Account") today.
Automatic Payments (Monthly Auto-Pay) Terms and Conditions
By accepting these Automatic Payment Terms and Conditions, I authorize the Financial Institution to initiate payment of my credit card automatically each month on my Payment Due Date, or if my Payment Due Date falls on a weekend, holiday or other day that the Financial Institution or The Card Services Center is not open for business, then on the next processing day after my Payment Due Date, by withdrawing the specified amount from my designated checking or savings account ("Deposit Account"). I also authorize the Financial Institution to update my Deposit Account information upon receipt of (i) any "Notice of Change" from the Financial Institution holding my Deposit Account or (ii) a one-time payment that I designate from a different checking or savings account. (See the terms and conditions for One-Time Payments.)
Payment Options:
New Balance: If you select this option, the Financial Institution will automatically deduct from your Deposit Account the New Balance reflected on your monthly billing statement.
Minimum Payment Due: If you select this option, the Financial Institution will automatically deduct from your Deposit Account the Minimum Payment Due reflected on your monthly billing statement.
Fixed Payment: If you select this option, the Financial Institution will automatically deduct from your Deposit Account the fixed dollar amount you specify, except: (1) if the Minimum Payment Due is greater than the fixed dollar amount, the Financial Institution will automatically deduct the Minimum Payment Due for that month; (2) if the New Balance is less than the fixed dollar amount, the Financial Institution will automatically deduct the New Balance for the month.
The Monthly Auto-Pay options described above will not consider any portion of the Total Account Balance that is part of any interest-free billing program unless that interest-free program requires that you make a minimum payment, or if the interest free program expires prior to the Payment Due Date.
Regardless of which Monthly Auto-Pay option you choose, you understand and agree that your Monthly Auto-Pay amount will be reduced by any payments you make to your account prior to the Payment Due Date as reflected on the account summary page and your monthly billing statement.
If you choose to pay less than the New Balance each month, your account may be subject to finance charges as described in your Cardholder Agreement.
You understand that the Financial Institution reserves the right to cancel your participation in Monthly Auto-Pay in its sole discretion and that the Financial Institution will provide you with at least 14 days written notice before cancellation.
I have read and understand the terms and conditions provided therein. I hereby authorize the Financial Institution to initiate automated clearing house (ACH) debit entries from my Deposit Account for the amount I have specified or otherwise required as provided above. I understand and agree that each ACH Debit to my Deposit Account will occur based on my monthly billing statement. I also agree that the terms of the attached Automatic Payments (Monthly Auto-Pay) Terms and Conditions apply and are incorporated into this authorization by reference. This authorization is to remain in effect until I terminate Monthly Auto-Pay by logging into this website and clicking "Delete Auto-Pay" or by contacting Customer Service at (800) 854-7642. I understand that if I terminate my authorization, I must do so sufficiently in advance to allow Financial Institution to act upon my request during the current billing cycle (e.g., at least [5] days before my next scheduled Payment Due Date); otherwise, my termination will become effective with my next billing cycle.
Account Alerts
The Service: Upon the terms and conditions hereof, we agree to provide you with electronic alerts via short message service ("Text Alerts") and electronic mail ("Email Alerts") regarding the credit card account specified by you ("Account"). Both Text Alerts and Email Alerts shall be referred to herein as "Account Alerts". For Text Alerts, you agree to receive text messages at the mobile number you have provided for such purpose. For Email Alerts, you agree to receive emails at the email address you have provided for such purpose. You agree to promptly discontinue this Service, or alternatively edit the mobile number or email address provided, in the event you change mobile numbers or email address, or if either your mobile phone or your email address has been compromised in any way.
Cancellation or Termination of the Service: You may cancel your subscription to the Service at any time without further obligation. You may cancel your receipt of Text Alerts by responding “STOP” to 36961 at any time. You may cancel your receipt of Email Alerts by contacting customer service at 1-800-854-7642. We reserve the right to unilaterally cease providing the Service for any reason, at our sole discretion. We may change or modify the terms and conditions hereof, from time to time by modifying the “Last Modified” date at the beginning of this Agreement and posting such change or modification on our website at http://www.24-7cardaccess.com.
Convenience Purposes Only: The Service is provided for convenience purposes only, and, unless specifically stated otherwise, the Account Alerts are real time and will be sent at any time. Account Alerts will not modify or amend the terms and conditions of your Account, nor will Account Alerts have the effect of modifying or changing our records of your Account, including, but not limited to, your Credit Limit or Account Balance.
Availability or Interruption of the Service: We hereby disclaim any and all warranties regarding the availability of the Service. You may not be able to use the Service, depending upon your location or certain third parties used by you, including, but not limited to, wireless service providers and internet carriers. You should not expect, nor rely upon, the uninterrupted receipt of Account Alerts. Frequent interruptions in the Service may be experienced. Text Alerts may not be available on all mobile devices. The following wireless service providers currently allow the receipt of Text Alerts: T-Mobile, Verizon Wireless, AT&T, Sprint, Interop - Appalachian Wireless, US Cellular Corp, Cincinnati Bell, Boost Mobile, Cricket Communications, Virgin Mobile USA, and ALLTEL Communications Inc.
Privacy and Security: You acknowledge and agree that we shall not be liable for any messages you request while using the Service. Further, you acknowledge and agree that parts of the Service are provided via wireless systems which use radios (and other means) to transmit communications over complex networks. We do not guarantee that your use of the Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. We have the right to access the content of your account and/or wireless account with your carrier for the purpose of identifying and resolving technical problems and/or service-related complaints.
Disclaimer of Warranties / Limitation of Liability
THE SERVICE (AND ALL OTHER RELATED SERVICES) IS PROVIDED ON AN "AS IS" AND AN "AS AVAILABLE" BASIS. WE ARE NOT LIABLE FOR SERVICE OR SYSTEM OUTAGES OF ANY DURATION. WE MAKE NO, AND HEREBY DISCLAIM ALL, WARRANTIES AND REPRESENTATIONS, WHETHER EXPRESS OR IMPLIED, REGARDING THE SERVICE, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT. WE SPECIFICALLY DISCLAIM ANY AND ALL WARRANTIES CONCERNING THE ACCURACY, COMPLETENESS AND RELIABILITY OF THE SERVICE, INCLUDING ANY WARRANTIES CONCERNING THE AVAILABILITY OR CONTENT OF INFORMATION, PRODUCTS, SERVICES, OR RESULTS. We shall not be liable for any loss, injury, claim, liability or damage of any kind resulting in any way from your use of, or your inability to use, the Service, nor shall we be liable for any direct, indirect, incidental, special or consequential damages resulting from your use of, or your inability to use, the Service. This Section shall survive termination of the Service or closing of the Account. We reserve the right to change and/or discontinue the current Services or any component of the Service at any time, for any reason, to the extent not prohibited by applicable law.