The "Transaction Limits" refer to "Transfer to External Bank Account | Domestic or International" but the "Fee-Based Services and Transactions" section only references "Transfer to External Bank Account | International" and all the context there on the 3.5% + up to $7 fee is all about foreign exchange conversions.
It's standard banking terminology.[1][2]
[1] https://www.commercebank.com/personal/online-features/extern...
[2] https://www.lawinsider.com/dictionary/external-bank-account
Regarding using information for marketing purposes, the privacy policy at https://www.mctrpayment.com/privacy/ explicitly says they don't do that, they only share information related to everyday business purposes, not for marketing. What leads you to believe otherwise?
Table:
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Reasons we can share your personal information: For joint marketing with other financial companies.
Does New York Community Bancorp, Inc. share?: YES.
Can you limit this sharing: NO.
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This probably violates the California Consumer Privacy Act.