1. iTalkBB is a communications company not a bank. Bank Products and Services are offered through East West Bank, Member FDIC.
2. Your iTalkBB UnionPay Prepaid Card can only be loaded/reloaded by transferring available funds from a qualifying East West Bank checking or savings account. You must be enrolled in East West Bank's Online Banking Service to access this feature. The maximum load amount is limited to $2,500 per calendar week, and is subject to the availability of funds in your qualifying East West Bank checking or savings account. Refer to the iTalkBB UnionPay Prepaid Card Agreement and Disclosure and List of All Fees for more details.
3. Access to certain services and features (such as the iTalkBB digital wallet) requires iTalkBB Prime App service enrollment and is subject to additional iTalkBB Prime App service fees. Termination of iTalkBB Prime App enrollment will result in those services and features being unavailable.
4.The iTalkBB UnionPay Prepaid Card may be used only at UnionPay merchants located outside of the United States and is subject to merchant acceptance.
5. From time-to-time iTalkBB, China UnionPay and other third parties may make offers and benefits available to you in connection with your iTalkBB UnionPay Prepaid Card or related transaction activity. The terms and conditions of such offers
and/or benefits will be disclosed at the time the offer and/or benefit is made available to you.
6. Applications for the iTalkBB UnionPay Prepaid Card Bundle are subject to review and approval by East West Bank and submission of an application does not guarantee that a Prepaid Card or Checking account will be opened for you. Availability
of the iTalkBB UnionPay Prepaid Card Bundle may be limited based on your geographic location.
Additional East West Bank account terms, conditions and fees apply. For information about the East West Bank Easy Digital Checking refer to the Easy Digital Checking Account Terms Disclosure and Fee Schedule. For information about the iTalkBB UnionPay Prepaid Card refer to the Agreement and Disclosure and List of All Fees.
7. East West Bank does not charge a fee for access to Online Banking Services, but wireless carrier fees may apply. Check with your service provider for details.
8. For purchases under 200 CNY, no foreign transaction fee will be charged. For purchases over 200 CNY, the 3% overseas (foreign) card transaction fee will be waived if payment is made using an iTalkBB UnionPay Prepaid Card that is linked to a WeChat Pay or Alipay wallet. The final fee rate may vary depending on market conditions. Subject to prior notification, waiver qualification requirements and limits may be changed at any time at the discretion of UnionPay International Co., LTD (“UPI”)
9. The 1% SplendorPlus Base Cash Rebate promotional offer from China UnionPay International Co., LTD (“UPI”) is available exclusively to iTalkBB UnionPay Prepaid Card (“Card”) cardholders, and is valid from January 22, 2025, through December 31, 2025, Beijing Time.
a. SplendorPlus Base Cash Rebate Promotional Offer: During the promotional period eligible cardholders will automatically receive a 1% base cash rebate on eligible transactions completed during the promotion period. Additional cash rebates may be offered by UPI during popular holidays, at their discretion.
b. Summer Cash Rebate Promotional Offer: During the 2025 summer cash rebate promotional offer period (starting April 15, 2025 through September 15, 2025, Beijing time) iTalkBB UnionPay Prepaid Card cardholders will automatically receive an additional 9% cash rebate on top of the 1% base cash rebate, for a total cash rebate of 10% on eligible transactions completed with their Card.
c. Eligible Transactions: For the purposes of this promotional offer, eligible transactions include Point of Sale (POS), E-Commerce and UnionPay QR Code Purchase transactions initiated with an iTalkBB China UnionPay Prepaid Card within the Chinese Mainland and processed through the UnionPay Network.
d. Eligible Transaction Exclusions: Regardless of the eligible transaction type, the following transaction activity will be excluded from qualification for this offer:
• Transactions that are reversed, refunded or cancelled;
• Transactions generated through a prohibited Merchant Category Code (MCC) pursuant to UPI Regulations;
• Transactions that are deemed risky and/or non-compliant pursuant to UPI's Regulations;
• Transactions of a click farming behavior and/or that are otherwise deemed suspicious by UPI.
e. Cash Rebate Maximum Monthly Limit: Cash rebates are limited to a maximum amount of 500 CNY per eligible Card, per calendar month.
Note: Earned cash rebates will be credited to the eligible card as a USD amount. Cash rebate CNY to USD currency conversion rates will be determined solely by UPI.
f. Cash Rebate Processing Time: The cash rebate will be automatically credited by UPI to the eligible Card's balance within 5 calendar days after the posted
transaction date.
g. Additional Terms and Conditions Apply:
• To view the updated (04/15/2025) promotional offer terms and conditions, visit:iTalkBB China UnionPay Prepaid Card SplendorPlus Cash Rebate Offer Terms
• For additional information on SplendorPlus and available benefits, visit: UPI SplendorPlus Card Program
• To view UPI's SplendorPlus Program terms and conditions, visit: UPI SplendorPlus User Guide
