No, your card is not a credit card. It's a payroll card. You can only spend what you have earned, since you are using your own money from your wages.
No. You keep the same card and your employer automatically adds your pay to the card every payday. You will continue to get a pay stub showing what you've earned and how much has been added to your card.
Yes and no. Like a debit card, you can spend only the funds available. However, unlike a debit card, you do not have a bank account associated with the card.
Call the number listed on the back of your card or the Activation section in the Cardholder Agreement and follow the instructions.
Insert your card in the ATM and follow the instructions for entering your Personal Identification Number (PIN). Once your PIN has been entered successfully, select the cash withdrawal option and enter the amount you wish to withdraw. The ATM will give you the amount of cash you requested along with a printed receipt and will return your card to you.
Refer to the Schedule of Fees & Limits enclosed with your PowerCash Card for information on any applicable fees. In addition, the financial institution that owns the ATM may charge a fee to the person withdrawing cash; however, the financial institution must disclose that fee for each ATM transaction before the transaction is completed. You can decide to accept the fee and continue the transaction or to cancel the transaction. The ATM fee imposed by the bank that owns the ATM is different from the ATM fee listed in your Schedule of Fees & Limits. To avoid fees charged by other banks to use their ATMs, PowerCash Card cardholders can access their cash by using one of Allpoint® 32,000 sur-charge free ATMs located nationwide. Look for ATMs with the green and white Allpoint Acceptance Mark. To obtain a list of Allpoint ATMs near you, you may visit www.PowerCash.com or www.allpointnetwork.com.
Yes. The only way your card can be used to withdraw cash is by entering your Personal Identification Number (PIN). Your PIN should be kept in a safe, secure place at all times. It should not be written on the back of the PowerCash Card, nor should it be shared with others.
Absolutely not. Keep your card and your PIN under your control at all times. Your card and your PIN should not be given to anyone else.
You can check your available balance and activity anytime by visiting the website on the back of your PowerCash Card. Using the website to do this is always free. In addition, you may also obtain this information by calling the customer service number listed on the back of your card. Refer to the Schedule of Fees & Limits enclosed with your PowerCash Card for information on any applicable fees.
Use the card at any merchant that displays the Visa® or STAR® Acceptance Mark.
You will not get charged a fee for making a purchase if the merchant processes the purchase as a “credit” transaction and you sign for the transaction. If you provide your PIN during the transaction and do not provide your signature, you may be charged a fee. Refer to the Schedule of Fees & Limits enclosed with your PowerCash Card for information on any applicable fees.
No, you cannot access more than the balance available on your card.
Your card comes with a Personal Register where you record your pay amount and deduct each purchase and cash withdrawal. You can also get your balance anytime by calling the number on the back of your card, or visiting the website.
Yes, many companies, including utility companies, will accept the PowerCash Card for payment. To do this, you will need to provide these companies with the ABA routing and account numbers provided at the bottom of your carrier enclosed with your PowerCash Card. This will be the same information that you provided to your employer to set up direct deposit of your pay. In addition, you may pay your bills using the PowerCash online bill payment feature. A small fee applies for each transaction.
Yes. Businesses that provide these types of services generally accept Visa Prepaid cards. However, you might want to consider using our online bill payment feature as this method may offer greater convenience for you.
You should call the customer service number on the back of your card. It is available 24 hours a day, seven days a week. Follow the recorded instructions. You can also speak with a customer service representative. Refer to the Schedule of Fees & Limits enclosed with your PowerCash Card for information on any applicable fees.
You should immediately call the customer service number listed on your card carrier (available 24 hours a day, seven days a week) to report that your card has been lost or stolen.
The PowerCash Card was designed to accept payroll. You may also direct other payments to this card that are transferred via ACH, such as: overtime/bonus pay from other employers, for example, from a second employer; government payments such as State and Federal tax refunds, Social Security and Disability payments, child support payments, etc.
Yes. You should give a copy of the card carrier that came with your PowerCash Card to your new employer as the bottom of this document contains the information your employer needs to direct deposit your pay to your PowerCash Card. The card carrier should be kept in a safe place as it contains information that will also be needed if the card needs to be reported lost or stolen.