1. How does the card work?
It is similar to a debit card; you can spend only the funds available. You can access your funds at any ATM or merchant participating in Visa Debit, Star, or Cirrus programs.
2. Is this a credit card?
No, your card is not a credit card, it's a payroll card. You can only spend the amount loaded on the card by your employer.
3. How do I activate my card?
Call the number listed on the back of your card and follow the instructions.
4. Do I get a new card each pay period, and how do I know how much I have earned?
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.
5. How do I know what I have spent, or have available?
You can track your expenditures several ways, fees may apply.
6. What do I do if I have a question or problem?
Call the number on the back of your card 24 hours a day, seven days a week. Follow the recorded instructions. You can also speak with a customer service representative.
7. Will I get charged a fee for making a purchase at participating merchants?
No, there is no fee associated with purchase transactions.
8. Can I use my card to make a purchase that is larger than the balance on my card?
No, you cannot access more than the balance available on your card.
9. Can the card ever have a negative balance?
Usually a purchase cannot be made for more than the amount available. Occasionally a merchant will allow a purchase before checking the amount available, which might result in a negative balance. By keeping track of the amount available, you can avoid an overdraft fee.
10. How do I access funds or account information using an ATM?
Insert your card in the machine and follow the instructions for entering your Personal Identification Number (PIN). Once your PIN has been entered successfully, you can choose to withdrawal funds or perform a balance inquiry. If you chose to withdrawal cash, enter the amount you wish to withdrawal (usually in $20 bills). The ATM will present the amount of cash you requested along with a printed receipt and return your card. Record the amount you have withdrawn in your Personal Register and subtract the amount from the previous available balance to find out how much money you have left in your account.
11. Will I get charged a fee if I use my card to withdraw cash at an ATM?
A. The financial institution that owns and operates the ATM may charge a fee to the person withdrawing cash; they must disclose that fee for each ATM transaction before that transaction is completed. You can decide to accept the fee and continue the transaction, or cancel the transaction. The ATM fee imposed by the bank that owns the ATM is different from the ATM fee listed in your cardholder agreement
12. Is it safe to use my card to withdraw cash?
Yes. Your card can only be used to withdraw cash by entering your unique Personal Identification number (PIN).
13. May I let someone else use my card?
A. For security purposes, keep your card, and the card account number, under your control at all times. Do not disclose your PIN to anyone or write your PIN on the back of your card.
14. Can I request a card for a family member?
Yes. A companion card may be issued to a PowerCash cardholder for use by a family member, no matter where they reside. Family members residing in the United States qualify for a PowerCash Visa Debit Card, residents outside the US qualify for a PowerCash MT (ATM) card. To order, call PrePaid Solutions at (630) 652-2545.