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ABOUT THE MONEY ACCESS CARD (MAC CARD) VISA® PREPAID CARD

What is the MONEY ACCESS CARD (MAC CARD) VISA® PREPAID CARD?

Is the MONEY ACCESS CARD (MAC) VISA® PREPAID CARD like a checking or savings account?

Are the funds on the card FDIC insured?

Are there age restrictions on the MONEY ACCESS CARD (MAC CARD) VISA® PREPAID CARD?

ACTIVATION, REGISTERING, PIN, AND MANAGE CARD

Will I need to activate my personalized MONEY ACCESS CARD (MAC CARD) VISA® PREPAID CARD or companion card that I receive in the mail?

How do I select and manage my PIN?

What do I do if my card, PIN or password is lost or stolen?

How do I keep track of the balance on my card?

Can I add a security question to the website login?

ADDING MONEY TO MY CARD

How do I add money to my MONEY ACCESS CARD (MAC CARD) VISA® PREPAID CARD?

What are the limits I can load onto the Card?

How soon is the money I add to the Card available to use?

Can I have my regular paycheck or benefits check direct deposited to my card?

Can I have one-time payments direct deposited to my card?

HOW TO USE MY CARD

How do I use my card to purchase items by signature and PIN?

Can I withdraw money by using an ATM?

Can I get cash back on my card when I make a purchase?

Is there any type of transaction I am not able to make with my MONEY ACCESS CARD (MAC CARD) VISA® PREPAID CARD?

Can I preauthorize a recurring payment to a merchant?

Are there daily purchase transaction limits on the MONEY ACCESS CARD (MAC CARD) VISA® PREPAID CARD?

Can I make Internet, telephone or mail order purchases?

Why was my transaction declined online or over the phone when I had enough funds available?

Can I make international transactions and are there any fees?

Why was my transaction declined?

SPLIT TRANSACTIONS

Can I pay for part of a purchase with my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD and pay for the other part of the cost with another type of payment?

HOTELS, LODGING, RENTALS and "HOLDS"

What does it mean when a merchant places a "hold" on my card? Can I use my Card to reserve a Hotel, Lodging, Car Rental or similar purchases?

RESTAURANTS, BEAUTY SALONS, LIMOS AND TAXIS

How to use my Card at restaurants and other businesses that accept "tips"?

Can I buy gas with my Card?

RETURNS AND REFUNDS

If I am not satisfied with a purchase I made with my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD, may I return the purchase?

CARD EXPIRATION AND CANCELLING

Will my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD ever expire? Can I cancel my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD? Can you cancel my card?

CARD FEES

Will I be charged any fees for using a MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?

When is the monthly program fee deducted from my Card?

What happens if I don't use my Card for a few months and there is money still loaded on it?

CUSTOMER SERVICE AND DISPUTES

How do I report an error on my Card?

How do I get answers to my questions that are not answered in this FAQ?

TROUBLE SHOOTING DECLINES and CARD NOT WORKING MESSAGES

Check to make sure the Card is active. Check the available balance on the Card. Pay close attention to any pending authorizations or "Holds" that may be on the Card.
Incorrect PIN being used. Cardholder can change their PIN by logging in to www.myMACcard.com
Internet and phone purchases may decline if the address provided to the merchant does not match the address registered to the card. 

Certain business categories may cause unexpected declines:

Gas Station "Pay at the Pump": Cardholders who use the "Pay at the Pump" automated method may incur a $75.00 authorization. Cardholders should pre-pay with the cashier for the exact amount to avoid any unnecessary holds.

Restaurants, Beauty Salons, Spas, Barbers, Taxis and Limos: Typically authorize the card for 20 percent above the purchase amount to cover any potential tip.

Hotels, Motels, Resorts and other Lodging: They will often place a significant "Hold" above and beyond the expected room rate to cover potential additional room expenses.

Car and Truck Rental: They will often place a significant "Hold" above and beyond the expected room rate to cover potential additional room expenses. 
Craigslist does not allow Prepaid Card purchases.

ANSWERS

ABOUT THE MONEY ACCESS CARD (MAC) VISA® PREPAID CARD

What is the MONEY ACCESS CARD (MAC) VISA® PREPAID CARD? 
The MONEY ACCESS CARD (MAC) VISA® PREPAID CARD is a general purpose reloadable card that must have funds loaded on to it before you are able to use it. Once you load funds on to your Card, you can use it to make purchases in person, online or anywhere Visa prepaid cards are accepted. You may also use your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD to withdraw money at ATMs. You are only able to spend or access the amount of money you have available on the card. You can load additional funds on to your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD. The MONEY ACCESS CARD (MAC) VISA® PREPAID CARD is not a credit card. When you activate and use your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD, you accept and agree to follow all of the rules, terms and conditions outlined in the Cardholder Agreement included with the card.[top]


Is the MONEY ACCESS CARD (MAC) VISA® PREPAID CARD like a checking or savings account?
Your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD is not a checking or savings account.

For example, you can load funds on to the card and use it to make purchases or withdrawals at ATMs. You can also have your paycheck, benefits provider, government disbursement agency (like child support or unemployment benefits), student bursar’s office reimbursement or tax refund directly deposited to your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD.

The funds loaded to your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD do not expire, so you can build up a maximum balance of $20,000.
Funds loaded to the MONEY ACCESS CARD (MAC) VISA® PREPAID CARD do not earn interest.

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Are funds loaded on to the MONEY ACCESS CARD (MAC) VISA® PREPAID CARD FDIC insured?
Yes. The funds you load to your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD are insured by the Federal Deposit Insurance Corporation, or FDIC, up to the maximum amount provided by law.[top]


Are there age restrictions on the MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
Yes. You must be at least 18 years of age to receive the MONEY ACCESS CARD (MAC) VISA® PREPAID CARD.  Applicants under the age of 18 may apply for a companion card. A companion card requires a primary cardholder over the age of 18, like a parent or guardian. Both cards share access to the same funds. The minimum age requirement for a companion card is 16.[top]


ACTIVATION, REGISTERING, PIN, AND MANAGE CARD

Will I need to activate my personalized MONEY ACCESS CARD (MAC) VISA® PREPAID CARD that I receive in the mail?
Yes. You can follow the instructions on the MONEY ACCESS CARD (MAC) VISA® PREPAID CARD and carrier to activate your personalized card. Call the customer service IVR (Interactive Voice Responder) number: 1-844-636-6300 and follow the prompts.[top]


How do I select and manage my PIN?
Your PIN is a 4-digit Personal Identification Number (PIN) that you will need in order to make cash transactions at ATM machines; you can also use your PIN at point of sale terminals. Your initial PIN is the last 4 digits of your Social Security Number. 
To change your PIN, call 1-844-636-6300.[top]


What do I do if my card, PIN or password is lost or stolen?
Please call Customer Service at 1-844-636-6300 IMMEDIATELY if you think your password, your PIN, or your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD have been lost or stolen, or otherwise compromised.[top]


How do I keep track of the balance on my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
There are three ways to keep track of your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD balance:

  • Log in to www.myMACcard.com to view your transaction history and card balance.
  • Call Customer Service at 1-844-636-6300 and Press “1” to receive your account balance.
  • Perform a "Balance Inquiry" at an ATM. Refer to your cardholder agreement and applicable fee schedule for fees associated with this transaction.

Can I add a security question to the website login?
Yes. Once you have successfully logged into your account, you can select a special security question. This will add an extra level of security to your account and will be asked should you forget your password. [top]


ADDING MONEY TO MY CARD

How do I add money to my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
There are two ways to add additional funds to your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD:

  • Make arrangements with your employer/ or payor to receive direct deposit on your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD. See the FAQ section titled "Direct Deposit to your Card" for more details.
  • For cash loads - Visit a retail store displaying the Visa Readylink logo. To find a Visa Readylink associated retail store, go to https://usa.visa.com/pay-with-visa/cards/services-locator.html and select “I’m looking for: Readylink”. Then enter your location to find retailers nearby that can service your cash load. Refer to your cardholder agreement and applicable fee schedule for fees associated with this transaction.


What are the limits I can load onto my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
There is no minimum amount you may load on a MONEY ACCESS CARD (MAC) VISA® PREPAID CARD. The maximum Available Balance loaded on your Card at any time is $20,000 U.S.D. See fees and limits below.

Type of Transaction Daily Limit
Signature Transaction $3,500.00
PIN transaction $3,500.00
ATM $1,000.00
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How soon are my funds available to use?
Cash: You may load funds to your Card through the MoneyGram, Visa ReadyLink or Western Union services at participating locations. Your funds will be available immediately upon completion and verification of the transaction. Direct Deposit: Funds from direct deposits will be available to you on the same day the funds are credited to our bank and are available to us.[top]


Can I have my regular paycheck, government disbursement (like child support or unemployment benefits), student bursar reimbursement or IRS tax refund direct deposited to my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
Yes, and it’s safe and easy!

  • Step 1: Log in at www.myMACcard.com
  • Step 2: Select “Account Login”
  • Step 3: Select ”Money Center”.
  • Step 4: Print and sign the Direct Deposit Form. This form is prefilled out with all the information your employer/payor will need.
  • Step 5: Give to your employer/payor and request Direct Deposit for your payment. 
That's it, you are ready to go. This can give you peace of mind knowing your funds will be available each pay period on a specific day without delay.
The Direct Deposit form has the account number and routing information you need to provide to your employer, government disbursement agency, student bursar’s office or tax preparer. Please note that it can take a couple of pay periods to have your deposit made directly to your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD account.
If you have arranged for a regular direct deposit to be made to your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD account, you can check your account balance online at www.myMACcard.com or call Customer Service 1-844-636-6300 to find out if the deposit has been made.


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Can I have one-time payments direct deposited to my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
Yes! You can arrange to have a one-time payment - like an income tax refund - directly deposited to your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD. You must provide your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD account number and the bank routing number to the payor. This is the same information that is provided on the direct deposit form found at www.myMACcard.com.[top]


HOW TO USE MY CARD

How do I use my PIN or use my signature for store purchases when I use my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
You can use your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD anywhere Visa Debit Cards are accepted. You can use it either with your 4 digit PIN or by Signature. 
Signature Purchase: Swipe your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD at the point of sale terminal and choose "Credit" to process your transactions as a signature purchase. Then, sign your name when you are prompted to do so.
PIN Purchase: Swipe your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD and choose "Debit," then enter your PIN when prompted. To keep your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD secure, never write your PIN on your card or share your PIN with anyone.[top]


Can I withdraw money using an ATM?
Yes. You are limited to $1,000.00 in cash from ATMs per day. Use the "Checking" option to withdraw funds at an ATM. If you use an ATM you may be charged a fee by the individual ATM owner in addition to the $1.50 fee disclosed in the MONEY ACCESS CARD (MAC) VISA® PREPAID Cardholder Agreement. Refer to your cardholder agreement and applicable fee schedule for fees associated with this transaction.[top]


Can I get cash back on my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD when I make a purchase?
Yes, depending on the amount of funds you have available in your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD account. You may be able to perform this type of cash-back transaction at any merchant that accepts Visa Debit Card payments, but note that not all merchants will permit this type of transaction.[top]


Are there any types of transactions that I am not able to perform with my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
You cannot use your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD, for online gambling or any other illegal transactions. You cannot make purchases of goods or services that in the aggregate exceed $3,500.00 per calendar day. Please see the MONEY ACCESS CARD (MAC) VISA® PREPAID Cardholder Agreement for details.[top]


Can I preauthorize a recurring payment to a merchant?
Yes. To authorize a one-time automatic payment OR a regular recurring payment from a merchant you must provide the merchant with your 16-digit card account number from the front of the MONEY ACCESS CARD (MAC) VISA® PREPAID CARD. 

You must have funds available in your associated MONEY ACCESS CARD (MAC) VISA® PREPAID CARD account to cover these payments; your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD does not carry a credit line.[top]


Are there daily purchase transaction limits on my Card?
Yes. These limits are described below. You cannot make purchases of goods or services that in the aggregate exceed $3,500.00 per calendar day. You may not exceed the amount of available funds associated with your card account. 

For security reasons, we may impose additional limits on the amount, number or type of transactions you can make with your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD, and we may restrict access to your card if we notice any suspicious activity. Refer to your cardholder agreement and applicable fee schedule for fees associated with this transaction.[top]


Can I make Internet, telephone or mail order purchases?
Yes. You may use your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD to purchase goods or services over the internet, by telephone or by mail order. 

Please make sure to provide the valid address information when making these types of purchases to avoid unnecessarily declined transactions.[top]


Why was my transaction declined online or over the phone when I had enough funds available?
The purchase you made online may have been declined because the address you provided to the merchant is different than the address we have on file for your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD. [top]


Can I make international transactions and are there any fees?
Yes. This Card can be used internationally. Transactions performed outside of the United States will be charged foreign currency exchange rate. The rate is 3%. Refer to your cardholder agreement and applicable fee schedule for fees associated with this transaction.[top]


Why was my transaction declined?
The most common reasons a transaction may be declined are: 

  • Insufficient funds are available. Please check your funds availability and transaction history.
  • The restaurant or merchant you patronized authorized the transaction for twenty percent (20%) more than the original purchase price to cover a possible gratuity.
  • You attempted to use your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD at a "Pay at the Pump" gas station and there is a temporary hold of $75.00 on your card. Please make sure to pre-pay for any gas purchases with the cashier.
  • There is an extended hold placed on your card from activity at a hotel, car rental, or similar merchant. Refer to your cardholder agreement and applicable fee schedule for fees associated with this transaction.
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SPLIT TRANSACTIONS

Can I pay for part of a purchase with my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD and pay for the other part of the purchase with another type of payment? 
Some merchants do not allow cardholders to conduct split transactions where you would use your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD as partial payment for goods and services and then pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD, your Card is likely to be declined.[top]


HOTELS, LODGING, RENTALS and "HOLDS"

What does it mean when a merchant places a "hold" on my card? 
When you use your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD to pay for goods or services, a merchant may authorize the transaction in advance; this places a temporary "hold" on your card for the amount of the sale or for an additional amount or percentage greater than the sale amount depending on the individual merchant. 

If your transaction is for a high dollar amount, some types of merchants may place extended holds on your card for 10 days (up to 30 days for car rentals). Once your purchase is finalized and verified, any excess holds will be removed from your card. If you begin a transaction that requires a hold on your funds and then cancel the transaction, there still may be a temporary hold on your funds for up to ten (10) days or more. 

Please note we cannot manually release authorizations or holds without a certified letter or fax from the merchant.[top]


Can I use my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD for a reservation at a Hotel, other Lodging, Car Rental or similar purchases?
Yes, but these companies may authorize, or place a "hold" (as described above) for a greater amount than the actual cost of the transaction. The reason is that the merchant will typically authorize your card for additional incidental expenses. These authorized funds will be held and unavailable for you to spend until the final transaction is posted to your account. This means that you might not have access to these funds for as long as 30 days. Please note we cannot manually release authorizations or holds without a certified letter or fax from the merchant. [top]


RESTAURANTS, BEAUTY SALONS, LIMOS AND TAXIS

How do I use my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD at restaurants and other businesses that accept "tips"?
These merchants typically place holds for the amount of the bill plus a percentage (typically twenty percent (20%) for the tip or gratuity. If the amount of the requested hold exceeds the amount of money stored on your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD, the transaction may be declined. After the final transaction is finalized and verified, any excess holds will be removed from your card.[top]


Can I buy gas with my card?
Yes, but when you use your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD at a gas station, it is best to pre-pay the cashier inside before you fill up and tell the cashier the exact amount of gas you wish to purchase with your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD. If you use your card at the pump you may incur a hold of up to $75.00. We recommend that you always pay the cashier first for the amount of gas you wish to purchase.[top]


RETURNS AND REFUNDS

If I am not satisfied with a purchase I made with my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD, may I return the purchase?
All purchases you make with your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD are subject to the merchant's return policies. If you are entitled to a refund for any reason, it may be made as a "credit" to your card. The amount of the refund credit may not be available to you right away as merchant credits typically take five to seven business days from the date of the refund to be posted to your account and become available to you to spend.[top]


CARD EXPIRATION AND CANCELING

Will my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD ever expire?
There is a "Valid Thru" date on your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD. You may not use the card after this date. You should receive a replacement card from us before your old card expires. The funds you have available on your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD remain good even if the "Valid Thru" date passes. The funds will be available on the replacement card. If you do not receive a replacement card before the expiration date, please call Customer Service at 1-844-636-6300.
If we are unable to send you a replacement card for any reason, keep your old card and call Customer Service at 1-844-636-6300.[top]


Can I cancel my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
Yes. You may cancel your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD by calling Customer Service at 1-844-636-6300.[top]


Can you cancel my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
We may also cancel your card under the following conditions:

  • If you violate any of the card rules, terms and conditions set forth in the Cardholder Agreement, as may be amended from time-to-time.
  • If you do not pay any necessary fees within forty-five (45) days after they are due.
  • If we believe there is fraud or security risks connected to your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD.
  • If you decide you do not want to have all card information and notices sent electronically.
  • For any other reason allowed by law.
If we cancel your card, you will not be able to use your card to make purchases or transactions at ATMs and you will be issued a refund.


CARD FEES

Will I be charged any fees for using an MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
Yes. The complete and most current fee schedule is posted at www.myMACcard.com. The Cardholder Agreement that came with your card also shows a list of fees. Please visit the website at www.myMACcard.com to view the current Cardholder Agreement. Refer to your cardholder agreement and applicable fee schedule for fees.[top]


When is the monthly program fee deducted from my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
Monthly fees, if applicable, are assessed on the first day of every calendar month. Refer to your cardholder agreement and applicable fee schedule for fees associated with this transaction.[top]


What happens if I don't use my card for a few months and there is money still on it?
If your card is inactive of deposits or spend transactions for twelve consecutive months, a monthly inactivity fee of $4.00 will apply beginning in month thirteen until the card balance is zero, or if you begin using the card again. You may cancel your MONEY ACCESS CARD (MAC) VISA® PREPAID CARD by calling Customer Service at 1-844-636-6300.  Refer to your cardholder agreement and applicable fee schedule for fees associated with this transaction.[top]


CUSTOMER SERVICE AND DISPUTES

How do I report an error on my MONEY ACCESS CARD (MAC) VISA® PREPAID CARD?
Call our Customer Service line at 1-844-636-6300 as soon as you can if you think an error has occurred in your Card account. You are may  report an error until 60 days after the transaction posting date. 

When notifying us of an error, please ensure that you have all relevant transaction details available. A description of the error or transaction that you are unsure about, as well as a clear explanation regarding why you believe an error occurred will be requested by our Customer Service team. 

There is a complete explanation of our process for investigating errors in the MONEY ACCESS CARD (MAC) VISA® PREPAID Cardholder Agreement and at www.myMACcard.com. Investigating errors takes time, and if it is determined that there was an error on your account it may take time to credit your account for the amount of the error.[top]


How do I get answers to my questions that are not answered in this FAQ?
We know from time to time you may have additional questions. You may email a question to us from the "Contact Us" page at www.myMACcard.com or call Customer Service at 1-844-636-6300. [top]


Fee Summary

"MAC. Is for everyone“ subject to USA PATRIOT Act - Important information for opening a card account: To help the federal government fight the funding to terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a card account. What this means for you: When you open a card account, we will ask 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 identify documents.
1 Moneygram, Western Union and Visa Readylink are registered trademarks. Third party fees may apply.
2 3rd party or carrier fees may apply
This Card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa USA, Inc. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank © 2014