Mercantile My Card Terms and Conditions
The Mercantile Bank of Michigan ("Mercantile Bank") My Card Debit Card ("Card") is subject to these Terms and Conditions (Terms). Additional general terms and conditions apply to your Card as outlined in your Deposit Account Terms and Conditions. If these Terms conflict in any way with your Deposit Account Terms and Conditions, these Terms control. The Card is available to current customers with a personal checking account. If this application is accepted and a Card is issued, by using or permitting another to use the Card, you will be bound by the terms and conditions of the Electronic Fund Transfers Disclosure provided with your Account Disclosures. Your Card will function like a regular debit card and will be accepted wherever VISA debit transactions are accepted.
By requesting a Card and submitting an image of your choice, you warrant to Mercantile Bank that: (i) you are the owner of the image (i.e. the image was taken by you) or you have obtained express consent from the image's owner to use the image on your Card; (ii) you have obtained express consent from any person whose image you use on your Card; and (iii) use of the image by Mercantile Bank will not infringe any other person's rights, including intellectual property rights, in the image. You (or you have obtained consent from the image's owner) grant to Mercantile Bank a perpetual, non-transferable, non-exclusive, royalty-free, world-wide, irrevocable license to use the image and the data you provide to Mercantile Bank for the purpose of providing your Card. You agree to indemnify, defend and hold harmless Mercantile Bank , its successors and assigns, against any claims, damages, losses, costs, expenses (including attorney's fees) incurred by or asserted against Mercantile Bank caused directly or indirectly by the use of this service or as a result of the image being used on and reproduced on your Card, or arising out of or as a result of Mercantile Bank storing, modifying, copying or using the image. Mercantile Bank's liability hereunder is limited to refunding the fee associated with the issuance of the Card and Mercantile Bank is not liable to you for any loss, claim or expense whatsoever in relation to any action by Mercantile Bank permitted under these Terms. Mercantile Bank is not responsible for image quality including but not limited to poor-quality images or images poorly positioned on the Card.
Mercantile Bank reserves the right to add to or modify these Terms and to terminate the Card program or Card issued to you, at any time, in its sole discretion.
Mercantile Bank reserves the right to reject any image (includes a photograph) submitted or to refuse to issue you a Card, in our sole and absolute discretion. You may not submit images that are unacceptable, including, but not limited to, the following examples:
- Political statements
- Suggested sponsorship of or affiliation with a religious or social group
- Advertising, promotional text, slogans, copyrighted or trademarked material, company names
- Phone numbers, URLs
- Brand names or branded products
- Celebrities, athletes, musicians, public figure, cartoons, etc.
- MasterCard, American Express, Discover or any other payment brand references
- References to any VISA sponsorship property, such as the Olympics or NASCAR
- Socially unacceptable groups
- Provocative or sexual content
- Profanity, obscenities or nudity
- Violence, firearms, weapons, or ammunition
- Alcohol, drugs, or tobacco
- Any content that might result in problems at point of sale or interfere with security features of the card
- Any content that might infringe, denigrate or dilute the VISA brand or its member financial institutions
There is a $9.95 fee for each new Card. There is also a $9.95 fee for each updated image or replacement Card. There is no fee for a renewal Card. Please refer to the Service Charge Disclosure. The fee will be deducted from your checking account when you order your Card. If you do not have enough funds to cover the fee(s), your Card request will not be processed. If you currently have an ATM or debit card, your new Card will replace your existing ATM/debit. You agree to destroy your old ATM or debit card upon receipt of your new Card. You agree to hold Mercantile Bank harmless for any loss incurred as a result of NOT destroying your old card.
Mercantile Bank of Michigan will renew your existing Card with the same image. Cards are reissued one month before the expiration date of the current card.
I Agree - Proceed to My Card Creation