WHY IS MY NAVY / MARINE CASH RECURRING PAYMENTS
ACCOUNT NEGATIVE? • When you used your Navy / Marine Cash card for a
recurring payment that you pre-authorized to pay a KEEP TRACK OF YOUR
RETURNED ACH TRANSACTION bill automatically, e.g., for telephone service or a NAVY / MARINE CASH BALANCE
• When you withdrew money
health club membership, you forgot to add money to • The Navy / Marine Cash card
your strip account to cover the cost of the payment. is a pre-paid debit card, not a
from your bank or credit union
account to put on your Navy / • A recurring payment that exceeds the available bal- credit card, so the amount of
Marine Cash card, the Auto- ance will be declined, but only if the merchant tries to money you can spend is lim-
mated Clearing House (ACH) get authorization first. ited by the amount of money
transaction Navy / Marine Cash • If the merchant is “force posting” the transaction you load onto your card.
uses to request those funds may without getting prior authorization, a recurring pay- • You are responsible for keeping track of your Navy /
have been returned. ment that exceeds the available balance will result in Marine Cash balance. Merchants can’t tell how much
• ACH transactions may be returned if there were non- a negative balance. money is on your card.
sufficient funds (NSF) in your account, the account • Your Navy / Marine Cash card can be used for a recur-
was closed, the account information was invalid, etc. ring payments, but it is not recommended. CLEAR ANY NEGATIVE BALANCE
INSUFFICIENT FUNDS IN • If at any time a returned ACH transaction, ATM
NAVY / MARINE CASH (STRIP) ACCOUNT withdrawal, purchase, or other payment exceeds your
• When you used your Navy / Marine Cash card ashore, available balance, your Navy / Marine Cash account
the amount of the purchase or ATM withdrawal ex- will end up with a negative balance.
ceeded your available balance. • Your negative balance will be reported the next day
• The ATM withdrawal or debit card purchase may on the Daily Negative Balance Report.
have been allowed, rather than being denied, because • The Disbursing Officer will notify you to come to the
the financial network was not available, the merchant disbursing office to clear your negative balance.
did not have online authorization capability, your WHAT ARE
transaction was below the merchant’s floor limit, REFER TO YOUR NAVY / MARINE CASH
there was a merchant hold on your account, etc. MY RESPONSIBILITIES? ACCOUNT STATEMENT
• If you have a problem with your Navy / Marine Cash
TIMING OF NAVY / MARINE CASH KEEP TRACK OF YOUR account that you don’t understand, the best source for
TRANSACTION PROCESSING BANK OR CREDIT UNION BALANCE help is within your division.
• When you used your Navy / Marine Cash card ashore, • Transferring money from your bank or credit union • You can access the Navy Cash web site with your
either to get cash at an ATM or to purchase some- account to your Navy / Marine Cash account at the card number and PIN, print out a statement, and bring
thing at a restaurant or store, the new balance in your K80 Cashless ATM is just it to your LPO, LCPO, or Division Officer.
Navy / Marine Cash account was reflected ashore im- like writing a check. • They can go over your Navy /
mediately, but wasn’t reflected on the ship until the • The electronic funds Marine Cash transactions with
next end-of-day processing was completed between transfer from your account you to try and track down the
ship and shore. will usually occur within reason for the problem.
• If you got back to the ship and checked your Navy / 24 hours, which is much • Your division can get additional
Marine Cash account balance before this processing faster than a check is information from the disbursing
was completed, the K80 Cashless ATM would have normally processed. office if needed.
shown your old balance not your new balance. • Do not transfer money to • You may also want to work with the ship’s financial
• If you transferred money to your chip based on your your Navy / Marine Cash advisor, if one is available.
old balance, your Navy / Marine Cash account may account at the K80 Cash-
have ended up with a negative balance once all your less ATM unless there are sufficient funds available
transactions on ship and shore were fully processed. in your bank or credit union account.
4-Sep-07 Negative Balance Trifold Ver 1.3.doc
KEEP IN MIND
FORCE POSTING Navy Cash® / Marine Cash®
• Generally, any attempt to make a purchase or ATM
withdrawal ashore for an amount greater than your
available balance will be declined. Avoid Negative
• NAVY CASH / MARINE CASH
However, a merchant or ATM can put a transaction
through without prior authorization. CUSTOMER SERVICE CENTER (CSC) Account Balances
• If the purchase or ATM withdrawal exceeds your Commercial: 1 (866) 3NAVYCASH
available balance, your Navy / Marine Cash (strip) ac- 1 (866) 362-8922
count will end up with a negative balance. Web Site: www.navycash.com
• Don’t forget about purchases, payments, or ATM e-mail: firstname.lastname@example.org
withdrawals that have not yet cleared your Navy / Ma-
FAX: 1 (866) CHASE01
rine Cash account.
1 (866) 242-7301
CSC can also be reached through
• It is important to know that, with any debit or credit
card purchase, some merchants ashore, like hotels, Global Distance Support Center (GDSC)
restaurants, and pay-at-the-pump gas stations, may Commercial: 1 (877) 4-1-TOUCH
reserve more money than you actually plan to spend. 1 (877) 418-6824 COMMON SENSE RULES
• They do this to cover variable costs, such as phone DSN: (510) 4-2-TOUCH The details are inside
calls, tips, or a full tank of gas. (510) 428-6824
• You also need to realize that it may be 24 to 72 Press 6 then 2
1. Navy / Marine Cash card is a pre-paid debit
hours, and, in some cases, as much as seven days, be- card — amount you can spend is limited
fore this reserve or “merchant hold” is cancelled and by value loaded in your Navy / Marine Cash
the funds become available again for you to spend. (strip) account.
TRANSACTION TIMING For ATM Locations Worldwide 2. Keep track of your strip balance. You are
Visit www.mastercard.com responsible for knowing your balance —
• To keep demands on the ship’s communications sys-
merchants cannot tell you your balance.
tems to a minimum, Navy / Marine Cash was designed
to work on a store-and-forward basis—a day’s worth 3. Keep track of your bank / credit union bal-
of transactions are generally transmitted ashore once ance. Do not transfer money to your Navy /
each day at the end of the business day. Navy Cash Program Office Marine Cash account at K80 Cashless
• This design feature affects the time that transactions
Naval Supply Systems Command ATM unless there are sufficient funds.
are processed, both on the ship and on the shore. Navy Family Support Mechanicsburg
4. Treat your card like cash; protect your PIN.
• Remember, you need to stage funds to your Navy / Disbursing Division, SUP NFS 56
(717) 605-5270 5. Generally, any attempt at purchase or
Marine Cash account at least 24 hours in advance, so
DSN: 430-5270 ATM withdrawal that exceeds available
the funds will be available when you want to use your
strip balance will be declined — however,
Navy / Marine Cash card ashore. Don’t try to spend
merchant or ATM can put transaction
the money before it gets there. Ready. Resourceful. Responsive! through without prior authorization.
• When you use your Navy / Marine Cash card ashore,
the new balance in your Navy / Marine Cash account 6. Disbursing Officer will require you to clear
won’t be reflected on the ship until the next end-of- any negative balance that may result in
day processing is completed between ship and shore. your strip account.
Until this processing is completed, the K80 Cashless 7. Any questions, see disbursing.
ATM will show your old balance not your new bal-
ance. Don’t try to spend the same money twice.
4-Sep-07 Negative Balance Trifold Ver 1.3.doc