Q. Is this a credit card?

A. 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.

Q. Is my card like a debit card?

A. 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.

Q. How do I activate my card?

A. Call the number listed on the back of your card and follow the instructions. [List phone number].

Q. Do I get a new card each pay period, and how do I know how much I have earned?

A. 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.

Q. How do I know what I have spent, or have available?

A. When your card comes make sure that 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. [List Phone number]

Q. Can I use my card to buy a money order?

A. Yes. Businesses that provide these types of services generally accept MC and/or Visa.

Q. What do I do if I have a question or problem-like not getting my statement, or the card not working or being list or stolen?

A. 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.

Q. Will I get charged a fee for using my card at participating merchants?

A. No, you will not be charged a fee for making a purchase at participating merchants.

Q. Can I use my card to make a purchase that is larger than the balance on my card?

A. No, you cannot access more than the balance available on your card.

Q. How can I check the available balance on my card?

A. You can check your available balance by doing a balance inquiry at an ATM, by calling the number on the back of your card or by logging into this website and going to the Account Balance page.

Q. How can I track my spending?

A. You can track your spending in any of the following three ways:

• Call the number on the back of your card toll free anytime.
• Log into this website anytime.

Q. Can the card ever have a negative balance?

A. 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 a possible fee.

Q. How do I access funds or account information using an ATM?

A. 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.

Q. Will I get charged a fee if I use my card to withdrawal 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

Q. Is it safe to use my card to withdrawal cash?

A. Yes. Your card can only be used to withdrawal cash by entering your unique Personal Identification number (PIN).

Q. May I let someone else use my card?

A. Absolutely not. Keep your card, and the card account number, under your control at all times. Do not tell anyone your PIN or write your PIN on the back of your card.

Q. Can I add money to my card other than money from my pay?

A. No. Only money from your employer may be added to your card. This would include your regular pay as well as things like overtime and bonuses.