Is this a credit card or a debit card?
MoneyCard and Companion Card:
Theses cards are not credit cards.
You cannot borrow
money using the card. The cards work like debit
cards, but they are prepaid cards. Money is put onto your
card each payday so your money is safe but available to
conveniently spend or withdraw as you need.
Like with a debit card, a nationally chartered, FDIC insured
bank safely holds the funds associated with your card.
Unlike a debit card, you do not have a personal bank
account associated with the card.
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Where can I use my card?
MoneyCard:
Your card can be used for purchases anywhere Visa
Debit Cards are accepted, in person, over the phone
or on the Internet. You can use your card at any ATM
that accepts the logos located on the back of your card.
Companion Card:
Your card can be used at ATM’s and for PIN
purchases at any location where you see one of the
logos that appear on the back of your card.
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How do I put more money on my card?
MoneyCard:
Once you authorize direct deposit of your pay to
the card, your pay will automatically be deposited
to the card every payday. You can download
a direct deposit authorization form to give to any
additional or new employer from the website,
www.securityplusMoneyCard.com. Also you can
add additional cash at a Visa ReadyLink load station.
Companion Card:
Money can be electronically transferred by the
primary Family Matters™ MoneyCard holder or
money can be direct deposited by any employer to
your Companion Card.
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Do I get a new card each time I get paid?
MoneyCard and Companion Card:
No. Now that you have a card your pay will continue
to be deposited to this card each and every pay day.
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What if I change employers, or have more than one employer?
MoneyCard and Companion Card:
If you change employers, keep this card and have
your new employer direct deposit your pay to it.
You will need to provide your new employer with your
transaction account information. Got to the website, www.securityplusMoneyCard.com, look for “Download
a Direct Deposit Authorization Form” and follow the
instructions. Give the form to your new employer. This form
will include all the information your employer needs to put
your pay onto your card. If you work for more than one
employer, or if you’re paid as a 1099 contract person by
someone, you can have all your pay deposited to your card
by providing each with a Direct Deposit Authorization Form.
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How do I know how much money is put on my card?
MoneyCard and Companion Card:
You will get a pay stub each pay period from your
employer just as you always have. It will show how
much you’ve earned, the taxes or other amounts withheld,
your net pay, and how much has been added to your card.
If you have other payments deposited to the card, you
will get a “notice of deposit” from the depositor showing
you how much has been deposited. If you deposit money
yourself onto to the card, keep the receipt showing the
deposit amount.
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How can I check the available balance on my card?
MoneyCard and Companion Card:
You can check your available balance at our website
at www.securityplusMoneyCard.com and going to
Account Log-in, or by calling the number on the back of the
card, or by doing a balance inquiry at an ATM.
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How much can I spend with my card?
MoneyCard and Companion Card:
You can spend up to the amount of money that is on
your card, just like cash in your pocket. You cannot
spend more than your available balance.
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Can I pay personal bills or other individual's with my card?
MoneyCard:
You can pay personal bills if a company accepts
Visa as a payment form. You can simply call or go
online to the vendor’s website and follow instructions to pay
your bill using your card information, or you may take your
card with you to the vendor and pay in person. The vendor
may charge you a fee for this form of payment, but there is
no cost associated with the MoneyCard.
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Can my card ever have a negative balance?
MoneyCard and Companion Card:
Usually a purchase or withdrawal cannot be made
for more than the amount available, but it can
happen. If you spend more than you have available
you will “overdraw” your card and be charged an overdraft
fee. Keep track of your use.
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Can I use my card to buy a money order?
MoneyCard:
Yes, if the business where you’re getting the Money
Order accepts Visa branded debit cards. Most
do. You can also pay for many services such as
electricity and your telephone using your Card directly,
without needing to get a Money Order.
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What do I do if I have a question or problem, like not getting my statement?
MoneyCard and Companion Card:
You will only get a statement by mail if you request
one, and there is a paper statement fee. You can
always print your card account activity from the website,
anytime: www.securityplusMoneyCard.com. If you do need
a statement, request one from the website, or you can call
the number on the back of your card 24 hours a day, seven
days a week.
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What if my card is lost or stolen?
MoneyCard and Companion Card:
If you’ve lost your card or believe it’s been stolen
go to www.securityplusMoneyCard.com or call the
number on the back of your card immediately to
report the card missing. This is important so that you are
not responsible for future charges.
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When will I get charged a fee for using my card?
MoneyCard:
Sometimes but not always. Understanding the fees will help you
make the most of your card. Pay bills and make
purchases using the CREDIT or signature option rather
than the PIN option. Do not overdraw your account. Be
aware, the owner of an ATM may charge a fee to the
person using it. They must disclose that fee before a
transaction is completed and you can decide to accept the
fee and continue or cancel the transaction. Any ATM fee
imposed by the owner of the ATM is different from the ATM
fee listed in your Fee Schedule.
Companion Card:
If you use your
card to withdraw money from an ATM, the owner of
an ATM may charge a fee for you to use it. The ATM
owner must disclose to you that fee before a transaction
is completed and you can decide to accept the fee and
continue or cancel the transaction. Any ATM fee imposed
by the owner of the ATM is different from the ATM fee listed
in your Fee Schedule.
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Is using my card safe?
MoneyCard and Companion Card:
Yes. Carry with you only the cash you need. Cash
can’t be replaced if stolen. Your card can be.
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Can I get cards for family members?
MoneyCard:
Yes, you can request one or more Companion Cards
by visiting www.securityplusMoneyCard.com or
by calling the number on the back of your card. A
Companion Card is a non-Visa branded card you can get
for your spouse, child or other relative such that they can
have secure but ready access to cash using funds you
electronically transfer to the card they carry. It can be used
at ATM’s and for PIN purchases at any location where you see one of the logos on the back of the card. You can
transfer money from your card to a Companion Card via the
website or by phone.
If a family member is employed, that family member can
request a Visa branded card for themselves, also by
visiting the website and enrolling for a card. Direct deposit
of payroll is required for someone to have their own Visa
branded Family Matters MoneyCard.
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May I let someone else use my card?
MoneyCard and Companion Card:
If you do you are responsible for all associated
charges or withdrawals made with your card.
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What if my card is not working?
MoneyCard and Companion Card:
If you cannot access services at an ATM, make
sure you are using your correct PIN. If you can
access services, but can’t get any money, check
your available balance. If you are at a store and can’t get
approval for a purchase, check your balance. If you can’t
access your balance, or have enough money but still can’t
get an approval, call the number on the back of your card
for assistance.
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