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| 0 | PAYPAL USER AGREEMENT Menu Back To Home Page About Your Account Opening a PayPal Account Closing Your PayPal Account Link or Unlink a Payment Method Authorization to Charge Your Payment Method Receiving Funds, Holding a Balance, or Transferring Funds Managing Your Money in Multiple Currencies Taxes and Information Reporting Account Statements Sending Money and Buying Sending Money to a Friend or Family Member Fees for Sending Money to Friends and Family Buying Something From, Donating to, or Returning Something to, a Seller Who Accepts PayPal Payment Method Used for My Transaction Loyalty Cards PayPal Rewards Program PayPal’s Purchase Protection Program Selling and Accepting Payments Accepting Payments Transaction Fees for Online and In-Store Payments Refunds, Reversals and Chargebacks PayPal’s Seller Protection Program PayPal Advertising Program Restricted Activities, Holds, and Other Actions We May Take Restricted Activities Actions We May Take if You Engage in Any Restricted Activities Holds, Limitations, and Reserves Court Orders, Regulatory Requirements, or Other Legal Processes Liability for Unauthorized Transactions and Other Errors Protection from Unauthorized Transactions Error Resolution Processing Errors Returning Unauthorized or Excess Business Account Debits Remittance Transfer Errors Other Legal Terms Communications Between You and Us PayPal’s Rights Indemnification and Limitation of Liability Disclaimer of Warranty and Release Agreement to Arbitrate Intellectual Property Miscellaneous Download Printable PDF PAYPAL USER AGREEMENT About Your Account PAYPAL USER AGREEMENT Last updated on May 19, 2026 About Your Account Welcome to PayPal! | 0 | PAYPAL USER AGREEMENT Menu Back To Home Page Download Printable PDF PAYPAL USER AGREEMENT About Your Account PAYPAL USER AGREEMENT Last updated on May 19, 2026 About Your Account Welcome to PayPal! |
| 17 | Opening a PayPal Account We offer two types of PayPal accounts: PayPal personal accounts (or “personal accounts”) and PayPal business accounts (or “business accounts”), both covered by this user agreement. | 17 | Opening a PayPal Account We offer two types of PayPal accounts: PayPal personal accounts (or "personal accounts") and PayPal business accounts (or "business accounts"), both covered by this user agreement. |
| 21 | The terms “PayPal Balance account” or “Balance Account” in this user agreement are used to refer to a PayPal Balance account and shall include any account currently or previously known as a PayPal Cash or a PayPal Cash Plus account, as applicable. | 21 | The terms "PayPal Balance account" or "Balance Account" in this user agreement are used to refer to a PayPal Balance account and shall include any account currently or previously known as a PayPal Cash or a PayPal Cash Plus account, as applicable. |
| 40 | Business accounts are not eligible to receive “ personal transactions ”, although they may send personal transactions to friends and family with an eligible PayPal account. | 40 | Business accounts are not eligible to receive " personal transactions ", although they may send personal transactions to friends and family with an eligible PayPal account. |
| 43 | Eligible business accounts may have the option to use certain payment solutions features, which are provided by PayPal subject to the additional terms and conditions found under the Business Account Payment Solutions Agreements section of our Legal Agreements page (collectively the “Business Account Payment Solutions”). | 43 | Eligible business accounts may have the option to use certain payment solutions features, which are provided by PayPal subject to the additional terms and conditions found under the Business Account Payment Solutions Agreements section of our Legal Agreements page (collectively the "Business Account Payment Solutions"). |
| 47 | If you, or any other person associated with your account, use SAML SSO (Security Assertion Markup Language Single Sign-On) to allow access to your accounts with PayPal, you attest that you are compliant with applicable state and Federal Multi-Factor Authentication (“MFA”) regulations (e.g., NY DFS Part 500 and 16 CFR Part 314: Standards For Safeguarding Customer Information). | 47 | If you, or any other person associated with your account, use SAML SSO (Security Assertion Markup Language Single Sign-On) to allow access to your accounts with PayPal, you attest that you are compliant with applicable state and Federal Multi-Factor Authentication ("MFA") regulations (e.g., NY DFS Part 500 and 16 CFR Part 314: Standards For Safeguarding Customer Information). |
| 225 | This includes, for example: Purchasing something at an online retailer’s website and selecting PayPal as your payment method at checkout. | 225 | This includes, for example: Purchasing something at an online retailer's website and selecting PayPal as your payment method at checkout. |
| 227 | Using your PayPal account to purchase something at a seller’s physical store using an electronic terminal, subject to certain limitations. | 227 | Using your PayPal account to purchase something at a seller's physical store using an electronic terminal, subject to certain limitations. |
| 228 | Using your PayPal account to purchase something at a seller’s physical store using your own mobile device and a QR code, subject to certain limitations. | 228 | Using your PayPal account to purchase something at a seller's physical store using your own mobile device and a QR code, subject to certain limitations. |
| 231 | If they don’t open a PayPal account within 30 days, your purchase will be refunded. | 231 | If they don't open a PayPal account within 30 days, your purchase will be refunded. |
| 238 | If your payment requires a currency conversion by us, PayPal’s transaction exchange rate (including a currency conversion spread ) will be used, and may be the rate at the time the payment is processed. | 238 | If your payment requires a currency conversion by us, PayPal's transaction exchange rate (including a currency conversion spread ) will be used, and may be the rate at the time the payment is processed. |
| 239 | Fees When you purchase something from a seller who accepts PayPal or make a donation, you don’t pay a fee to PayPal. | 239 | Fees When you purchase something from a seller who accepts PayPal or make a donation, you don't pay a fee to PayPal. |
| 240 | If PayPal performs a currency conversion for your purchase or donation, PayPal’s transaction exchange rate (including our currency conversion spread ) will be used. | 240 | If PayPal performs a currency conversion for your purchase or donation, PayPal's transaction exchange rate (including our currency conversion spread ) will be used. |
| 247 | If we don’t clear the transaction, we will cancel it and return the funds to you, unless we are legally required to take other action. | 247 | If we don't clear the transaction, we will cancel it and return the funds to you, unless we are legally required to take other action. |
| 251 | Examples of automatic payments that can be arranged by you with a seller include those that PayPal calls a “billing agreement,” “subscription,” “recurring payment,” “reference transaction,” “preauthorized transfer”; or “preapproved payment.” If you have a personal account, you may cancel a recurring automatic payment 3 Business Days or more before the date of the next scheduled payment from your account settings or by contacting us through the PayPal Help Center , or by calling PayPal at (888) 221-1161. | 251 | Examples of automatic payments that can be arranged by you with a seller include those that PayPal calls a "billing agreement," "subscription," "recurring payment," "reference transaction," "preauthorized transfer"; or "preapproved payment." If you have a personal account, you may cancel a recurring automatic payment 3 Business Days or more before the date of the next scheduled payment from your account settings or by contacting us through the PayPal Help Center , or by calling PayPal at (888) 221-1161. |
| 257 | If you have authorized an automatic payment and PayPal performs currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPal’s currency conversion spread ) in effect at the time the automatic payment transaction is processed. | 257 | If you have authorized an automatic payment and PayPal performs currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPal's currency conversion spread ) in effect at the time the automatic payment transaction is processed. |
| 264 | For purchases you make in a seller’s store location that you paid for using your personal account and the transaction is ultimately refunded, the money will be refunded to your Balance Account if you have one. | 264 | For purchases you make in a seller's store location that you paid for using your personal account and the transaction is ultimately refunded, the money will be refunded to your Balance Account if you have one. |
| 266 | For purchases you make in a seller’s store location that you paid for using your business account and the transaction is ultimately refunded, the money will be refunded to your balance in your business account. | 266 | For purchases you make in a seller's store location that you paid for using your business account and the transaction is ultimately refunded, the money will be refunded to your balance in your business account. |
| 268 | If PayPal performed currency conversion for your transaction and a refund is issued: Within 1 day of the date of the original payment, PayPal’s transaction exchange rate (including a currency conversion spread ) used at the time of the original payment will apply. | 268 | If PayPal performed currency conversion for your transaction and a refund is issued: Within 1 day of the date of the original payment, PayPal's transaction exchange rate (including a currency conversion spread ) used at the time of the original payment will apply. |
| 269 | Beyond 1 day of the date of the original payment, PayPal’s transaction exchange rate (including a currency conversion spread ) on the date of the refund will apply. | 269 | Beyond 1 day of the date of the original payment, PayPal's transaction exchange rate (including a currency conversion spread ) on the date of the refund will apply. |
| 341 | Not ask your buyer to send you money as a personal transaction (often referred to as using the “Send Money to a Friend or Family Member” feature). | 341 | Not ask your buyer to send you money as a personal transaction (often referred to as using the "Send Money to a Friend or Family Member" feature). |
| 342 | If you do so, PayPal may remove your PayPal account’s ability to accept payments from friends or family members. | 342 | If you do so, PayPal may remove your PayPal account's ability to accept payments from friends or family members. |
| 369 | All payments that complete this payment review will be eligible for PayPal’s Seller Protection program if they meet PayPal’s Seller Protection program requirements. | 369 | All payments that complete this payment review will be eligible for PayPal's Seller Protection program if they meet PayPal's Seller Protection program requirements. |
| 372 | You may charge your customer’s account only for transactions that they have authorized. | 372 | You may charge your customer's account only for transactions that they have authorized. |
| 379 | Marketplace sellers If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third-party application’s buyer protection program for sales you make through that forum. | 379 | Marketplace sellers If you're a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third-party application's buyer protection program for sales you make through that forum. |
| 383 | If you meet the eligibility requirements in the Nonprofit Certification Policy and are either a “Public Charity” under Section 509(a) of the Code or a "Private Operating Foundation" under IRS regulations, you may be automatically enrolled with PayPal Giving Fund upon acceptance of this user agreement. | 383 | If you meet the eligibility requirements in the Nonprofit Certification Policy and are either a "Public Charity" under Section 509(a) of the Code or a "Private Operating Foundation" under IRS regulations, you may be automatically enrolled with PayPal Giving Fund upon acceptance of this user agreement. |
| 387 | If you don’t want to be enrolled or receive donations from PayPal Giving Fund, you can opt-out at any time by contacting us . | 387 | If you don't want to be enrolled or receive donations from PayPal Giving Fund, you can opt-out at any time by contacting us . |
| 388 | For more information, please see PayPal Giving Fund’s Policies . | 388 | For more information, please see PayPal Giving Fund's Policies . |
| 389 | Card not present transactions Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a “card not present” transaction, even if the buyer is at your store location. | 389 | Card not present transactions Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a "card not present" transaction, even if the buyer is at your store location. |
| 390 | Accepting preauthorized payments As a seller, you can accept payments from a buyer’s account through preauthorized transfers either on a one-time, regular or sporadic basis. | 390 | Accepting preauthorized payments As a seller, you can accept payments from a buyer's account through preauthorized transfers either on a one-time, regular or sporadic basis. |
| 391 | This type of transaction is sometimes called a “billing agreement,” "subscription," "recurring payment,” “reference transaction,” "pre-approved payment" or "automatic payment". | 391 | This type of transaction is sometimes called a "billing agreement," "subscription," "recurring payment," "reference transaction," "pre-approved payment" or "automatic payment". |
| 392 | If you receive preauthorized payments from buyers: You must: You must not: Get each buyer’s prior authorization for the amount, frequency, and duration of any such payment. | 392 | If you receive preauthorized payments from buyers: You must: You must not: Get each buyer's prior authorization for the amount, frequency, and duration of any such payment. |
| 393 | Restart future payments without the buyer’s written authorization, if a buyer has stopped or canceled a preauthorized payment. | 393 | Restart future payments without the buyer's written authorization, if a buyer has stopped or canceled a preauthorized payment. |
| 396 | Notify the buyer at least 10 days in advance of the amount and date of each preauthorized payment if the preauthorized payment will vary from the preauthorized amount or (at the buyer’s option) any payment that is in an amount that falls outside of the pre-determined range. | 396 | Notify the buyer at least 10 days in advance of the amount and date of each preauthorized payment if the preauthorized payment will vary from the preauthorized amount or (at the buyer's option) any payment that is in an amount that falls outside of the pre-determined range. |
| 397 | Transaction Fees for Online and In-Store Payments Your PayPal transaction fees depend on: the country of the buyer’s account or the currency of their card; whether you are registered as a charitable organization and have active 501(c)(3) status. | 397 | Transaction Fees for Online and In-Store Payments Your PayPal transaction fees depend on: the country of the buyer's account or the currency of their card; whether you are registered as a charitable organization and have active 501(c)(3) status. |
| 416 | If you refund a transaction, we’ll retain the fees you paid as set out on our Fees page . | 416 | If you refund a transaction, we'll retain the fees you paid as set out on our Fees page . |
| 418 | Y ou fail to respond or provide accurate and complete information in response to PayPal's inquiries related to a buyer’s claims or chargebacks for a particular transaction within the timeframe communicated to you by PayPal. | 418 | Y ou fail to respond or provide accurate and complete information in response to PayPal's inquiries related to a buyer's claims or chargebacks for a particular transaction within the timeframe communicated to you by PayPal. |
| 420 | Your buyer pursues a chargeback related to a card-funded transaction and the transaction is not eligible for PayPal’s Seller Protection program. | 420 | Your buyer pursues a chargeback related to a card-funded transaction and the transaction is not eligible for PayPal's Seller Protection program. |
| 423 | Our investigation of a bank reversal made by a buyer or the buyer’s bank finds that the transaction was fraudulent. | 423 | Our investigation of a bank reversal made by a buyer or the buyer's bank finds that the transaction was fraudulent. |
| 429 | If the balance in your Balance Account or business account doesn’t cover the payment amount due plus the fees, we may use any of the payment methods linked to your PayPal account to cover the amount due. | 429 | If the balance in your Balance Account or business account doesn't cover the payment amount due plus the fees, we may use any of the payment methods linked to your PayPal account to cover the amount due. |
| 430 | If the payment methods linked to your PayPal account don’t cover the amount due, this will result in a negative balance. | 430 | If the payment methods linked to your PayPal account don't cover the amount due, this will result in a negative balance. |
| 432 | If you don’t, PayPal may: engage in collection efforts to recover the amount due from you; take any or all action as outlined under Amounts owed to PayPal ; or place a limitation or take other action on your PayPal account as outlined under Restricted Activities and Holds . | 432 | If you don't, PayPal may: engage in collection efforts to recover the amount due from you; take any or all action as outlined under Amounts owed to PayPal ; or place a limitation or take other action on your PayPal account as outlined under Restricted Activities and Holds . |
| 433 | Dispute fees PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal Guest Checkout. | 433 | Dispute fees PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer's PayPal account or through a PayPal Guest Checkout. |
| 441 | Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. | 441 | Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer's card issuer or bank. |
| 445 | Your total claims include all claims filed directly with and escalated to PayPal, except claims for Unauthorized Transactions ; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank. | 445 | Your total claims include all claims filed directly with and escalated to PayPal, except claims for Unauthorized Transactions ; and all chargebacks from the buyer's card issuer or reversals from the buyer's bank. |
| 448 | You will not be charged a Standard Dispute fee for disputes that are: Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. | 448 | You will not be charged a Standard Dispute fee for disputes that are: Inquiries in PayPal's Resolution Center that are not escalated to a claim with PayPal. |
| 451 | Deemed by PayPal in its sole discretion to have met all the requirements under PayPal’s Seller Protection program . | 451 | Deemed by PayPal in its sole discretion to have met all the requirements under PayPal's Seller Protection program . |
| 454 | You will not be charged a High Volume Dispute fee for disputes that are: Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. | 454 | You will not be charged a High Volume Dispute fee for disputes that are: Inquiries in PayPal's Resolution Center and not escalated to a claim with PayPal. |
| 459 | If you engage in a Restricted Activity , PayPal may charge the High Volume Dispute fees for all current and future disputes, irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. | 459 | If you engage in a Restricted Activity , PayPal may charge the High Volume Dispute fees for all current and future disputes, irrespective of your dispute ratio or sales volumes, given PayPal's increased involvement as a result of such Restricted Activity. |
| 460 | Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through a PayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a Chargeback fee for facilitating the chargeback process. | 460 | Chargeback fees For transactions that are not processed either through a buyer's PayPal account or through a PayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a Chargeback fee for facilitating the chargeback process. |
| 465 | Impact of various purchase protection processes on sellers You should read and understand PayPal’s Purchase Protection program, Venmo’s Protected Purchase Program, and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection available to buyers in each of those countries. | 465 | Impact of various purchase protection processes on sellers You should read and understand PayPal's Purchase Protection program, Venmo's Protected Purchase Program, and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection available to buyers in each of those countries. |
| 466 | Buyers’ rights under these programs may impact you as a seller. | 466 | Buyers' rights under these programs may impact you as a seller. |
| 467 | You can find information about PayPal’s protection programs on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding user agreement. | 467 | You can find information about PayPal's protection programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the corresponding user agreement. |
| 468 | You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreement . | 468 | You can find information on Venmo's Protected Purchase Program in Venmo's user agreement . |
| 469 | If you lose a claim under PayPal’s Purchase Protection program in any country, or under Venmo’s Protected Purchase Program: You must forfeit the full purchase price of the item plus the original shipping cost. | 469 | If you lose a claim under PayPal's Purchase Protection program in any country, or under Venmo's Protected Purchase Program: You must forfeit the full purchase price of the item plus the original shipping cost. |
| 597 | Error Resolution What is an Error An “Error” means the following: When money is either incorrectly taken from your PayPal account or incorrectly placed into your PayPal account, or when a transaction is incorrectly recorded in your PayPal account. | 597 | Error Resolution What is an Error An "Error" means the following: When money is either incorrectly taken from your PayPal account or incorrectly placed into your PayPal account, or when a transaction is incorrectly recorded in your PayPal account. |
| 664 | You will be considered to have received a communication from us, if it’s delivered electronically, 24 hours after the time we post it to our website or email it to you. | 664 | You will be considered to have received a communication from us, if it's delivered electronically, 24 hours after the time we post it to our website or email it to you. |
| 665 | You will be considered to have received a communication from us, if it’s delivered by mail, 3 Business Days after we send it. | 665 | You will be considered to have received a communication from us, if it's delivered by mail, 3 Business Days after we send it. |
| 666 | Unless you’re communicating with us about a matter where we’ve specified another notice address (for example, our Liability for Unauthorized Transactions and Other Errors process), written notices to PayPal must be sent by postal mail to: PayPal, Inc., Attention: Legal Department, 2211 North First Street, San Jose, California 95131. | 666 | Unless you're communicating with us about a matter where we've specified another notice address (for example, our Liability for Unauthorized Transactions and Other Errors process), written notices to PayPal must be sent by postal mail to: PayPal, Inc., Attention: Legal Department, 2211 North First Street, San Jose, California 95131. |
| 714 | To be valid, the Notice of Dispute must contain all information called for in the Notice of Dispute form, including but not limited to: your or PayPal’s signature, the email address and phone number associated with the customer’s PayPal account, a description of the nature and basis of the claims that are being asserted, a statement of the specific relief sought, and any relevant documents and supporting information reasonably available to the claiming party. | 714 | To be valid, the Notice of Dispute must contain all information called for in the Notice of Dispute form, including but not limited to: your or PayPal's signature, the email address and phone number associated with the customer's PayPal account, a description of the nature and basis of the claims that are being asserted, a statement of the specific relief sought, and any relevant documents and supporting information reasonably available to the claiming party. |
| 719 | Unless both you and PayPal agree otherwise, the arbitrator(s) may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative or class proceeding. | 719 | Unless both you and PayPal agree otherwise, the arbitrator(s) may not consolidate or join more than one person's or party's claims and may not otherwise preside over any form of a consolidated, representative or class proceeding. |
| 720 | Also, the arbitrator(s) may award relief (including monetary, injunctive and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s). | 720 | Also, the arbitrator(s) may award relief (including monetary, injunctive and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party's individual claim(s). |
| 727 | For all claims in which the value of the relief sought is $10,000 U.S. dollars or less, the AAA’s Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply without exception. | 727 | For all claims in which the value of the relief sought is $10,000 U.S. dollars or less, the AAA's Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply without exception. |
| 728 | For all other claims, the AAA’s rules, including, as applicable, the AAA’s Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply. | 728 | For all other claims, the AAA's rules, including, as applicable, the AAA's Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply. |
| 729 | The AAA’s rules are available at www.adr.org. | 729 | The AAA's rules are available at www.adr.org. |
| 737 | Costs of Arbitration Payment of all AAA or arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Agreement to Arbitrate. | 737 | Costs of Arbitration Payment of all AAA or arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate. |
| 741 | In the event the arbitrator determines that either the substance of your or PayPal’s claim or the relief sought was frivolous or brought for an improper purpose, then you or PayPal may seek to recover from you or PayPal any fees it paid, including attorneys’ fees, to the extent permitted by the AAA’s rules and applicable law. | 741 | In the event the arbitrator determines that either the substance of your or PayPal's claim or the relief sought was frivolous or brought for an improper purpose, then you or PayPal may seek to recover from you or PayPal any fees it paid, including attorneys' fees, to the extent permitted by the AAA's rules and applicable law. |
| 783 | Miscellaneous Assignment You may not transfer or assign any rights or obligations you have under this user agreement without PayPal’s prior written consent. | 783 | Miscellaneous Assignment You may not transfer or assign any rights or obligations you have under this user agreement without PayPal's prior written consent. |
| 785 | Business Days “Business Day(s)” means Monday through Friday, excluding holidays when PayPal’s offices are not considered open for business in the U.S. Holidays include New Year’s Day (January 1), Martin Luther King, Jr.’s Birthday (the third Monday in January), George Washington’s Birthday (the third Monday in February), Memorial Day (the last Monday in May), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25). | 785 | Business Days "Business Day(s)" means Monday through Friday, excluding holidays when PayPal's offices are not considered open for business in the U.S. Holidays include New Year's Day (January 1), Martin Luther King, Jr.'s Birthday (the third Monday in January), George Washington's Birthday (the third Monday in February), Memorial Day (the last Monday in May), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25). |
| 788 | Consumer fraud warning We’re always looking for ways to help keep you even more secure. | 788 | Consumer fraud warning We're always looking for ways to help keep you even more secure. |
| 789 | Fraud is a potential risk, especially when sending money to people or businesses you don’t know and trust. | 789 | Fraud is a potential risk, especially when sending money to people or businesses you don't know and trust. |
| 790 | If something seems off or you suspect fraud, please don’t complete the transaction. | 790 | If something seems off or you suspect fraud, please don't complete the transaction. |
| 797 | Lottery or Prize: a scammer informs you that you’ve won a lottery or prize and must send money in order to claim it. | 797 | Lottery or Prize: a scammer informs you that you've won a lottery or prize and must send money in order to claim it. |
| 803 | Be sure to verify the recipient’s identity before finalizing a transaction. | 803 | Be sure to verify the recipient's identity before finalizing a transaction. |
| 807 | Double-check that you’re sending money to the right person and that the transaction is legitimate before proceeding. | 807 | Double-check that you're sending money to the right person and that the transaction is legitimate before proceeding. |
| 816 | If you would like to claim any escheated funds from the applicable state, please contact the applicable state’s unclaimed property administrator. | 816 | If you would like to claim any escheated funds from the applicable state, please contact the applicable state's unclaimed property administrator. |
| 819 | This may include: asking you for further information, such as your date of birth, a taxpayer identification number, your physical address and other information that will allow us to reasonably identify you; requiring you to take steps to confirm ownership of your email address or financial instruments; ordering a credit report from a credit reporting agency, or verifying your information against third-party databases or through other sources; or requiring you to provide your driver’s license or other identifying documents. | 819 | This may include: asking you for further information, such as your date of birth, a taxpayer identification number, your physical address and other information that will allow us to reasonably identify you; requiring you to take steps to confirm ownership of your email address or financial instruments; ordering a credit report from a credit reporting agency, or verifying your information against third-party databases or through other sources; or requiring you to provide your driver's license or other identifying documents. |
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