Privacy & Legal

NetCreations, LLC Debit Card Funding Terms

Effective Date: July 1, 2023

Definitions:

“You” and “Your” means any individual using the Build App to access the Build Account.

“Build Mobile App” means the Build Mobile Banking App.

“Build Account” means the Build Checking Account provided by Bangor Savings Bank.

“NetCreations, LLC” means NetCreations, LLC a Nevada Limited Liability Company, d/b/a Build Technologies.

1. NetCreations, LLC may offer the option to you to fund your account using a debit card via the Build Mobile App or other means.  When you make use of this funding option, you are agreeing to these terms and conditions.

2. Funds deposited by debit card will be made available for use in your Build Account on the next business day.  Funds transferred on weekends and holidays may not be available immediately.  For Build Accounts which have been open less than 30 days, additional holds may apply in order to protect you from fraud.

3. Because debit card funding is rendered as cash in your Build Account, there are no refunds permitted under any circumstances.

4. Returned items will be subject to a $25.00 fee per the terms of our Joint Account Cardholder agreement, incorporated herein by reference.

5. You agree to contact NetCreations, LLC within 1 business day of discovery if you believe there is an error or issue with the debit card funding feature.

6.  All debit card funding transactions are processed by our third party provider Checkout.com.

Net Creations, LLC (dba: Build) is a financial technology company, not an FDIC insured depository institution. Banking services provided by Bangor Savings Bank, Member FDIC. FDIC insurance coverage protects against the failure of an FDIC insured depository institution. Pass through FDIC insurance coverage is subject to certain conditions. The Build Mastercard® Debit Card is issued by Bangor Savings Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circle design is a trademark of Mastercard International Incorporated. Spend anywhere Mastercard is accepted.