SmartCheck Terms & Conditions

You acknowledge and agree that the following terms and conditions (the “Agreement”) govern check cashing transactions (each a “Transaction”) performed by you at participating casinos (“Gaming Establishments”) where NRT Technologies, Inc., including its affiliates and agents (collectively “NRT”) offers Transaction services.  The provision of Transaction services shall be referred herein as the “Program”.

 

Transaction Types and Limitations.

 

The following Transaction types may be supported at Gaming Establishments: (i) paper-based personal check cashing at Gaming Establishment cage teller locations (“Cage”); (ii) electronic personal check cashing at the Cage; (iii) electronic personal check cashing at the Cage or at participating NRT kiosks (each a “Kiosk”) through use of your Gaming Establishment loyalty card (“Loyalty Card”) and a 4-digit pin (“PIN”) you choose when enrolling your Loyalty Card in the Program; and (iv) balance advisements informing you of the total dollar amount of monies available in your current limit period.

 

Authorization to Debit and Credit Your Account.

 

Authorization. With respect to each bank account (“Account”) at an eligible U.S. bank or other financial institution (“Bank”), that you enroll as part of the Program, including each Account that is linked to your Loyalty Card, you authorize NRT and to initiate debit entries and credit entries to the Account you have designated electronically or separately in writing, and to debit or credit the same, as applicable, to such Account, in the amount of cash you authorize, and other amounts owed by you to NRT or the Gaming Establishment, including for returned item fees, and in amounts to resolve errors and disputes under the Agreement. You agree that you remain responsible for paying all amounts described in this Agreement, including in the event that there are insufficient funds in your Account to cover such amounts. You agree when you present a check to the Gaming Establishment, you authorize NRT to process a one-time Electronic Funds Transfer (“EFT”) or a draft drawn on your account, or to process the payment as a check transaction.

 

Timing of Payments. You acknowledge funds may be withdrawn from your Account as soon as the same day you present your check or payment to the Gaming Establishment, and you understand you will not receive your check back from your financial institution. In the event any of your payments return unpaid, you authorize the collection of that payment and a Return Fee (as defined below) by EFTs or draft(s) drawn from your registered account by NRT.

 

Termination. This authorization shall remain in full force and effect until NRT has received written notification from you terminating this authorization in such time and in such manner as to afford NRT, the Gaming Establishment and the Bank holding your Account a reasonable opportunity to act on it, provided that all obligations to NRT and the Gaming Establishment have been paid in full. You understand that you can terminate this authorization or make inquiries by calling NRT Customer Service at 1-888-868-0686 or by sending a written notice of termination or inquiry to: NRT SmartCheck Customer Service at 3525 E. Post Road, Suite 120, Las Vegas, NV 89120.

 

Returned Items. If any Transaction you make returns unpaid, you authorize NRT to make an electronic fund transfer from, or paper draft to your Account to collect a fee (the “Return Fee”). You understand and acknowledge that the Return Fee will be determined based on the State in which you performed the Transaction that was returned, as set forth in in the fee chart, if one is included below, and as posted at the Gaming Establishment. You further understand and acknowledge that, in the event that the returned-item fees posted at Gaming Establishment are different from those set forth in the fee chart below, the fees posted at the Gaming Establishment shall apply.

 

Authority. You represent and warrant that you have all necessary right, power and authority to withdraw funds, sign checks from the Account (if applicable), and to act on behalf of each other owner of the Account for purposes of this Agreement, including by authorizing NRT to debit any and all funds in the Account to satisfy Transactions authorized pursuant to this Agreement.

 

Compliance. You acknowledge that the origination ACH transactions to your Account must comply with the provisions of U.S. law and rules of the National Automated Clearing House Association (NACHA). If your Transactions are processed through ACH, you will be bound by the rules of the ACH system governing those transactions as amended from time to time.

 

Account Change. In the event that you change your Account, you will promptly notify NRT and each affected Gaming Establishment, and this authorization will apply to the new Account.

 

Loyalty Card Transactions.

 

Participation. Where applicable, participation in the Program allows you to link your Loyalty Card to an Account so you may obtain funds from a Kiosk located at participating Gaming Establishments. This Agreement is in addition to any agreement that you may have with your Bank. Please review your Bank agreement for any terms, including fees that your Bank may apply to your Account. To register Loyalty Card to perform Transactions, you must accept the terms of this Agreement, enrol in the Gaming Establishment’s Loyalty Card program and register your Loyalty Card to perform Transactions. We reserve the right reject your use of the Loyalty Card and PIN to perform Transactions for any reason and in our sole discretion.

 

Acceptance of Terms. By registering your Loyalty Card to conduct Transactions, you agree to be bound by, and comply with, the terms of this Agreement, and you acknowledge and agree that choosing a PIN as part of the Program registration constitutes your binding electronic signature to this Agreement. You acknowledge and agree that any use of your Loyalty Card and PIN constitutes acceptance of, and is subject to, the terms of this Agreement, and that this Agreement contains the entire and final agreement between you and NRT concerning the matters related hereto. You also agree to use your Loyalty Card and PIN to conduct Transactions only as permitted hereunder. We reserve the right to terminate this Agreement and deny you the ability to use your Loyalty Card and PIN to perform Transactions if you violate any provision of this Agreement or use your Loyalty Card and PIN for an improper purpose.

 

Use of PIN. A PIN is required for every Loyalty Card Transaction. You agree that the use of your Loyalty Card and PIN will have the same effect as your signature authorizing NRT to access and debit funds from your Account.

 

PIN and Card Security. You agree NOT to give your Loyalty Card and PIN to any person or otherwise permit any person to use your Loyalty Card and PIN to perform Transactions, and to take reasonable precautions to safeguard them and keep them confidential. Your Loyalty Card and PIN identify and authenticate you when you perform Transactions at participating Kiosks. You authorize NRT to rely on your Loyalty Card and PIN to identify you, and as signature authorization for any Transaction. You acknowledge and agree that, if you permit another person to use or give another person your Loyalty Card or PIN, you are responsible for any Loyalty Card Program Transaction performed, cash obtained and charges incurred by such person, even if that person exceeds your authorization limits.

 

Failed Transactions. If your Account is closed, overdrawn, or if your Bank will not pay Transactions submitted for payment by NRT, we may (i) not complete those or other Transactions, (ii) cancel your Loyalty Card Transaction, and (iii) retain your Loyalty Card if you attempt to use it for a Transaction.

 

General Terms and Conditions.

 

Limitation on Liability. NRT will not be liable for any loss or damage you incur as a result of any dealings with, or services provided by, the Bank that holds your Account. TO THE EXTENT PERMITTED BY APPLICABLE LAW, NRT WILL NOT BE LIABLE FOR ANY CONSEQUENTIAL, EXEMPLARY, INDIRECT OR PUNITIVE DAMAGES OR LOST PROFITS, EVEN IF YOU ADVISE US OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.

 

Other Limitations. NRT may limit the number of Transactions you can make within a particular period of time, or suspend you generally from performing Transactions, based on information we receive from a consumer reporting agency or a check verification service provider, or to otherwise preserve the security and integrity of the Program. We reserve the right to change these limits at any time in our discretion.

 

Disclaimer of Warranties. NRT AND GAMING ESTABLISHMENTS DO NOT MAKE, AND HEREBY DISCLAIM TO THE EXTENT PERMITTED BY LAW, ANY WARRANTIES REGARDING THE PROGRAM, INCLUDING THE USE OF YOUR LOYALTY CARD OR PIN OR ANY GOODS OR SERVICES PURCHASED THEREWITH, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

 

 

Fee Charts.

AK
$30		 AL
$30		 AR
$30		 AZ
$25		 CA
$25		 CO
$20		 CT
$20		 DE
$40		 DC
$25
FL* GA* GU
$20		 HI
$30		 IA
$30		 ID
$20		 IL
$25		 IN
$20		 KS
$30
KY
$50		 LA* MA
$25		 MD
$35		 ME
$25		 MI* MN
$30		 MO
$25		 MS
$40
MT
$30		 NC
$25		 ND
$40		 NE
$35		 NH
$25		 NJ
$30		 NM
$30		 NV
$25		 NY
$20
OH* OK
$25		 OR
$35		 PA
$30		 PR
$10		 RI
$25		 SC
$30		 SD
$40		 TN
$30
TX* UT
$20		 VA
$50		 VI
$20		 VT
$25		 WA
$30		 WI
$25		 WV
$25		 WY
$30

* STATES WITH ADDED COSTS

 

 

 

State Formula
FL $25 if check amt <$50. $30 if check amt >$50 but <$300.01. Greater of $40 or 5% of check, if check amt >$300.
GA $30 or 5% of check, whichever is greater
LA $25 or 5% of check, whichever is greater
MI $25 fee, increasing to $35 if not paid following 15 days’ notice
OH $30 or 10% of check, whichever is greater
TX $30 + 8.25% ($2.48) sales tax