An Innovative Prepaid Visa® Card Program for you and

Document Sample
An Innovative Prepaid Visa® Card Program for you and Powered By Docstoc
					                                                          Drake provides you options
                                                             so you can provide options to your customers


An Innovative Prepaid Visa Card            ®




Program for you and your Customers:
Load all bank products on the E1 Card
• Works in conjunction with Chase, Republic Bank,
  River City Bank, and Santa Barbara Bank & Trust
• Fully integrated into Drake Software
• Funds loaded on the card within hours of RAL approval
  or IRS funding

Gain a competitive advantage
• Provide additional choices for your customers
• Compete against the major franchises
• Offer your customers the power of the Visa network

Earn Additional Revenue – You Decide
• You will have the ability to add a “form fee”
  in the Drake Software
• You choose your strategy – earn additional revenue or
  provide a value add for your customer (or both)

Save time in your office
• No need for your customer to come back to pick
  up a check – funds will automatically be                        A safe and convenient way for your customers
  loaded to the card                                              to have access to their bank product proceeds.
• The customer can sign up for email
  or text alerts to notify them exactly                                               Learn More
  when funds have been loaded
                                                           800.890.9500 or www.EPSFinancial.net

                                                          The E1 Visa Prepaid Card is issued by The Bancorp Bank pursuant to
                                                           a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC

                                                               Obtaining Your Card: The USA PATRIOT Act is a federal law
                                                            that requires all financial institutions to obtain, verify, and record
                                                           information that identifies each person who opens a Card Account.
                                                            What this means for you: When you open a Card Account, we will
                                                             ask for your name, address, date of birth, and other information
                                                          that will allow us to reasonably identify you. We may also ask to see

Is your client unbanked? Not a Problem!                      your driver’s license or other identifying documents at any time.


    No credit check • No bank account required
                                                            Offered through                          EPS Financial, LLC.
NO credit check                                             24/7 customer service and
                                                            on-line account management
NO card activation fee
                                                            Pay bills on-line
Avoid check cashing fees
                                                                                                                              Compare to similar programs and you’ll find it’s the
                                                            Convenience – use the card                                                       Logical – Simple – Affordable Option
Ability to receive a personalized E1 Visa® Prepaid          wherever Visa debit cards are accepted
                                                                                                                              Customer Fees - Instant Issue Card*
Card and reload the card year round via
                                                                                                                              Monthly Fee – first 60 days                                                                                         FREE
 • Direct deposit                                           Access funds from the card                                        Card Activation                                                                                                     FREE
 • Western Union                                            in a number of ways                                               Signature Transaction Fee                                                                                           FREE
                                                                                                                              Signature Transaction Decline                                                                                       FREE
 • MoneyGram                                                  • At retail locations as credit or debit transactions           PIN Transaction Decline Fee                                                                                         FREE
 • Green Dot MoneyPak Universal Reload                        • ATM                                                           Bill Pay Fee (electronic)                                                                                           FREE
 • Visa Readylink                                             • Bank over the counter cash withdrawal                         On-Line Account Maintenance                                                                                         FREE
                                                                                                                              Text and Email Alerts                                                                                               FREE
                                                                                                                              Live Agent                                                                                                          FREE
No Overdraft Fees                                           Customer training on how to use                                   Automated Voice Response                                                                                            FREE
                                                                                                                              (Allowed a combined total of three (3) free Live Agent OR Automated Voice Response calls)
 – no chance for your customer to overspend their account   the card for FREE                                                 Monthly fee after the first 60 days                          $2.95 per month
                                                                                                                              PIN Transaction Fee                                     $0.50 per transaction
The prestige and security of a Prepaid                                                                                        ATM Decline Fee                                             $1.00 per request
                                                                                                                              ATM Balance Inquiry Fee                                 $1.00 per transaction
Visa Card account                                                                                                             ATM Withdrawal Fee                                      $2.50 per transaction
                                                                                                                              Live Agent                                                      $1.95 per call
                                                                                                                              Automated Voice Response                                        $1.95 per call
NO need for a bank account or checks                                                                                          Over Counter Withdrawal                                  1.5% per transaction
 • Reloadable                                                                                                                 Replacement Card Fee (if requested)                         $9.95 per request
                                                                                                                              Paper Statement Fee (if requested)                          $5.00 per request
 • Use year round                                                                                                             Retail Load                                Varies by load type per transaction
                                                                                                                              Foreign Exchange Fee                                       2% per transaction
                                                                                                                              Card to Bank Transfers                   $2.50 per $250 sent per transaction
                                                                                                                              Balance Refund                                             $10.00 per request
                                                                                                                              Express Shipping                                          $40.00 per request
                                                                                                                              Bill Pay - check                  $2.50 per transaction ($250.00 maximum)
                                                                                                                              Bill Pay Check Cancel                                       $9.95 per request
                                                                                                                              Card Cancellation Fee                                      $15.00 per request
                                                                                                  Don’t miss out              The customer is automatically sent a personalized card after they load funds to
                                                                                                                              the card with funds outside of the tax event. They can load funds to their card
                                                                                       on this great opportunity              via payroll direct deposit or through any of the load network partners, Green Dot
                                                                                                                              MoneyPak Universal Reload, Western Union, MoneyGram, and Visa Readylink
                                                                                      Your clients will thank you… and you    Once the card is personalized certain fees are reduced – ATM and Customer
                                                                                     have control of your income potential.   service. See Cardholder Agreement for a full list of fees.


                                                                                                                              ‡ The Visa Zero Liability policy covers U.S.-issued cards only and does not apply to commercial credit cards, ATM transactions,


To Enroll: Choose the E1 Card when you sign up for your bank program
                                                                                                                              or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of unauthorized use. Consult issuer for
                                                                                                                              additional details or visit Visa.com/security.
                                                                                                                              *Some ATM owners/operators/merchants may have established daily withdrawal limits and/or per transaction limits that you
                                                                                                                              should verify before making a purchase or withdrawing cash. Please see your Cardholder Agreement for complete fees and other
                                                                                                                              important information.