free prepaid debit card

USA PAYCARD PayCard The New Employee Benefit Your Pay – Direct to You! Enrollment Kit Toll-Free Phone: 888-860-5102 | www.usapaycard.com If you can answer YES to any of these questions, you need a PayCard. • • • • • Do you wait in line to cash your paycheck? Do you pay high check cashing fees? Do you pay high money transfer fees? Do you send allowance to a college student? Do you make a special trip just to pick up your paycheck? • Do you transfer money to a family member? • Do you pay high fees for a checking account you don’t need? • Do you need a budgeting tool for a family member? • Have you been turned down for a checking account? • Do you worry about carrying around cash that can’t be replaced if it’s lost? ______________________________________________________________________________________________________________________________ What are prepaid debit cards? A PayCard is a new way of managing your money. It is also a new way to transfer money. A PayCard safely stores your money until you are ready to use it. You can then get your money easily at any ATM or use your PayCard to make purchases at thousands of retailers nationwide. How do I get my money on prepaid debit cards? There are two ways to put money on your card. 1. Payroll direct deposit: Your employer can send your pay directly to your PayCard every payday. 2. Money transfer: You can transfer money between PayCards. Just get a second PayCard for a family member and transfer money from one card to another. What can I do with a prepaid debit cards? Your PayCard is a debit card with your money on it, so you can use it to get cash or make purchases. You will access your funds by using your card and a Personal Identification Number (PIN). You can: Use your card to get cash at virtually any ATM in the U.S. and around the world. Plus you enjoy the added benefit of surcharge-free withdrawals at any MoneyPass ATM. Get cash at no additional cost by using the “cash-back” option at thousands of retailers – especially Convenience Stores and Supermarkets and large retail chains. Make purchases wherever debit cards are accepted– over 1 million locations nationwide. Transfer money instantaneously to another PayCard domestically or internationally. How much does it cost to get a prepaid debit card? There’s no charge to get a PayCard. And there are no monthly or annual fees to pay. Using your PayCard to make a purchase or to get cash back at the point of sale is FREE; Using the Internet to check balances or statements is FREE. ATM withdrawals are just $1.50 and electronic card-to-card transfers are just $.50 – NO MATTER HOW MUCH YOU ARE TRANSFERRING. __________________________________________________________________________________________________________________________ How do I benefit from using the Prepaid debit card? A PayCard Saves You Money Eliminate the high check cashing fees charged by agencies. Save on high money transfers fees. With a PayCard, it cost just $.50 no matter how much you transfer. If you keep a checking account just so you can cash your check, cancel it and eliminate the monthly checking account fee. A PayCard is Convenient No delay on payday. Your funds are available first thing in the morning. Card-to-Card transfers instantaneously Internet access to transfer funds, check balances or statements. 24/7 Call Center for live operator assistance. Use the PayCard as a budgeting tool for other family members on an allowance. No need to make a special trip to pick up your paycheck and no need to wait in a long check cashing line. Your pay is automatically loaded onto your PayCard. If you’ve been turned down for a checking account, use a PayCard instead. Your money is just as safe. A PayCard is Safe Eliminate the risk of carrying around cash and losing it If your PayCard is lost, it can easily be replaced and its value restored. Only you can access your money because it’s PIN protected All PayCard funds are FDIC insurred. Elan Financial Services is a fully comprehensive, in-house provider of transaction management solutions with nearly 40 years of industry experience. This full-range business represents the significant merger of institutions, resources, and capabilities, along with key contributions that drove the growth of the payment services industries. Funds are held and managed by US Bank, Member FDIC, the sixth largest financial institution in the United States. What is a Prepaid Debit Card? A PayCard is a debit card that is prepaid which your pay or other funds from your Employer (like expenses or commissions) are deposited or “loaded” on payday. The card is either a PIN Debit Card that can be used where a PIN is accepted (practically all ATMs, and most large Retailers, Grocery Stores, Gas Stations, etc.), or a MasterCard, that can be used everywhere the MasterCard logo is displayed. How can my payroll card be used? The PayCard is like an electronic bank account, without the hassle or cost. You can get cash at virtually any ATM, or at major Retailers (Wal-Mart, KMart, Target), and Grocery Stores through the "CashBack" feature. You can use the PayCard to purchase goods or services at millions of Retailers that accept MasterCard®. You can also use the PayCard to transfer funds to any other PayCard cardholder (including a relative in the US or Internationally). How many paycards can I have? You can get one prepaid mastercard and up to two additional PIN-based debit cards. How do I get an additional card? If you are still working for the Employer that gave you your PayCard, you will need to contact them. If you have left that employer, call PayCard Services toll-free at 1-877-755-1474. Do I need a bank account? No bank account is required to obtain a PayCard. How much does the prepaid card cost? Generally, the PayCard has no monthly or annual fee, or cost for purchases or Cash-Back, or cost for Internet Balance Inquiries or Statements. For other services, check the price sheet provided at Enrollment. I have a bank account, why do I want a payroll deposit card? Even if you have a bank account, a PayCard may be valuable. If you do not have your pay Direct Deposited into your account, the PayCard is more convenient and safer than being paid by check. If you have students in college you help to support, getting them a PayCard for their money is a safe, inexpensive, and convenient way to send them their money. If you regularly transfer money to a relative Internationally, getting them a card and using it to transfer the money is far safer, more convenient, and less expensive than money transfer services. If you share a checking or share draft account with another in your household and occasionally pay overdraft fees because you both used your debit cards or wrote checks, using the PayCard instead provides the safety and record-keeping of the Checking or share draft account without the risk of overdraft. If you are looking for ways to budget your everyday expenses, putting money for them on the PayCard and the rest in your bank or credit union account is an inexpensive, safe way to manage your money. How do I avoid ATM Surcharges? Elan Financial Services owns and operates the MoneyPass ATM Network, which provides SurchargeFree cash at thousands of convenient ATMs nationwide. For more information or to locate an ATM near you, go to www.MoneyPass.com. How do I know how much money is on my PayCard? You can find out your PayCard balance by checking at virtually any ATM, checking over the Internet at www.PayCardConnect.com, calling toll-free 1-877755-1474 and using the automated Voice Response Unit, or calling PayCard Services at the same number and talking with a live operator. Your balance is also usually printed on the ATM receipt if you withdraw cash. There is also a simple PayCard Register to help keep track of your transactions. How can I see what transactions have occurred on my PayCard? You can view your transactions by checking over the Internet at www.PayCardConnect.com, calling tollfree 1-877-755-1474 and using the automated Voice Response Unit, or calling PayCard Services at the same number and talking with a live operator. Do I get a Statement? Yes, a Statement is generated for every PayCard. You can customize the Statement dates covered yourself. The Statement is available for viewing and printing over the Internet at www.PayCardConnect.com or can be obtained via phone at a small cost. How do I know if I got my pay, and how much? What do I do if the amount is wrong? Usually, your Employer will provide your pay information. In addition, you can check your balance at practically any ATM, and both your balance and recent deposits over the Internet at www.PayCardConnect.com or by calling PayCard Services toll-free at 1-877-755-1474. If your pay amount is incorrect or if your pay is not on the card, you should contact your Employer immediately. How much can I spend or withdraw? For your safety, there are limits to ATM Withdrawals of $1,000 per day and purchases (including CashBack) to $2500 per day. For ATMs, the owner of the ATM controls how much cash can be taken at one time - usually $300-$500. For Cash-Back, the store owner determines how much Cash-Back they will allow. Most major discount retailers (Wal-Mart, K-Mart, Target) allow up to $100 back at a time. If you will need to access more than these limits for a special occasion, please call PayCard Services at 1877-755-1474. Is there a minimum amount I must withdraw on my PayCard? No - as long as there is a positive balance, you may use the PayCard. You should note the amount of any fees, however, to make sure you do not overdraw the card. What happens if I lose my PayCard or if it is stolen? You should call PayCard Services immediately at 1877-755-1474. We will arrange for your card to be replaced, along with any funds that were on the card. What do I do if my card does not work? If your card is not working, call PayCard Services tollfree at 1-877-755-1474. You should note to keep the magnetic stripe (the black stripe on the back of the PayCard) away from any magnets - for instance, the PayCard should not be carried in a magnetic money clip. How do I know my money is safe? All PayCard funds are FDIC insurred. Elan Financial Services is a fully comprehensive, in-house provider of transaction management solutions with nearly 40 years of industry experience. This full-range business represents the significant merger of institutions, resources, and capabilities, along with key contributions that drove the growth of the payment services industries. Funds are held and managed by US Bank, Member FDIC, the sixth largest financial institution in the United States. What do I do if an incorrect purchase is on my PayCard? You should first contact the retailer to resolve the issue. If it is not your purchase, call us immediately at 1-877-755-1474. What do I do if I lose or forget my PIN, or someone unauthorized has access to it? A PIN is important, as it is the safeguard to your account at the ATM and PIN-accepting retailer. PINs should be stored safely away from your card and not shared with anyone. If you do lose or forget your PIN, or if someone not authorized by you has access to it, call PayCard Services immediately at 1-877-7551474. Why do I need my Password? Your password is the security that protects unauthorized access to your PayCard through the telephone and Internet. You need it to obtain information on your PayCard through either source. I left my Employer. Can I still use my PayCard? Most Employers allow their Employees to transfer their PayCards to new Employers. Your new Employer does not need to be a customer - all they need to do is offer Direct Deposit. To register your PayCard with your new Employer, all you would need to do is give your new Employer your Card Number and the Bank Transit Routing Number (ABA Number) seen on the upper right hand corner of your PayCard. MasterCard PayCard Enrollment Form How do I get a PayCard? Easy.Just 3 simple steps… A PayCard Enrollment and Direct Deposit Authorization Cardholder Name __________________________________________________________________ Address __________________________________________________________________________ City,State,Zip ______________________________________________________________________ Telephone Number __________________________________________________________________ 1 Complete sections A, B and C, on the enrollment form at right. • If you want a second account, be sure to provide the information • In section B, be sure to Date of Birth ____________________ Social Security # _______________________________ Additional Account Options designate how much of your pay you would like deposited to your PayCard. □ □ I want a second account in my name to manage money transfers between family members I want a second account in the name of the family member below (for example, spouse, student or parent) Name____________________________________________________________________________ Date of Birth ____________________Social Security # _______________________________ 2 Note that the PayCard can only be funded by direct deposit (by your employer or government benefit program) or by recurring deposits from an existing bank account. First use of card constitutes agreement to the terms and conditions of the Cardholder Agreement that is provided with you PayCard and the fees included with this form. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. B Direct Deposit Authorization 3 Please forward completed applications to the following address or fax number. We will process the PayCard enrollment then return the completed enrollment form to you so that you can set up the direct deposit. Please complete the direct deposit instructions below. We will provide your employer with the direct deposit instructions in approximately 5-7 business days from the time we receive the enrollment form from you. Payroll Direct Deposit Instructions I wish to deposit: □ $ _________.00 Per Pay □ Entire Net Pay Mailing Address: Elan Financial Services Enrollment Processing 1255 Corporate Drive Irving, TX 75038 Fax Number: Attn: Enrollment Processing 972-677-5399 ____________________________ I authorize my employer to deposit each pay period, my net wages after deduction for required taxes and withholdings to the Genpass PayCard per my direct deposit instructions and if necessary, initiate any adjustments for credits posted in error. Signature _______________________________________ Date ________________ Internal Use (Please Note: Paycard Account # must have all 16 digits filled in for direct deposit use). If not contact Enrollment Processing. Bank Name, City, State: PayCard Account # U.S. Bank Routing/Transit #: 091000022 5 1 0 8 4 3 0 6 9 0 Phone Numbers: Enrollment Processing: 888-860-5102 C Employer Telephone Number Employer Name Address _________________________________________________________ _________________________________________________________ _________________________________________________________ _________________________________________________________ USA PC 69 5108430690 CDF 2: City,State,Zip _________________________________________________________ Privacy Notice Recognition of Your Expectation of Privacy. Genpass Card Solutions, L.P. (“we”, “us” or “our”) recognizes that you expect privacy and security for your personal and business affairs. We understand the need to safeguard nonpublic personal information that you have entrusted to us. We maintain standards and procedures designed to prevent misuse of this information. Categories of Information We Collect: We collect nonpublic personal information about you from the following sources: • • • Information that we receive from you on applications, authorizations or other forms; Information about your transactions with us, our affiliates or others; and Information we receive from a consumer reporting agency. Categories of Information We Disclose: We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. Categories of Information That We Disclose to Marketing Companies: We may disclose all of the information we collect to companies that perform distribution, marketing or promotional services on our behalf or to other financial institutions with whom we have joint marketing agreements, in accordance with applicable law – such as banks, payroll companies, processing companies. Confidentiality and Security of Your Nonpublic Personal Information: We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. PayCard Fees Service Free Services Electronic Transactions ATM Withdrawal Live Operator Optional transactions Fee $0 $.50 $1.50 $2.00 $4.00 Items Covered Purchases and cash back at POS, Internet statements and balance inquiries, transaction inquiries, customer service ATM inquiries and declines, Internet transfers, balances and transfers using the automated voice telephone system Domestic ATM withdrawals Balance inquiries and transfers International ATM withdrawals, branch cash advances, replacement cards, paper statements, account dormancy