Prepaid Cards

More and more Americans intend to adopt stricter limitations on how they spend money. Seeking prepaid alternatives instead of credit - for travel, general merchandise, food, entertainment, and other everyday uses - means that issuing financial institutions and merchants must offer flexible alternatives for prepaid convenience and cash management. Furthermore, U.S. Cash™'s general spending prepaid card makes possible the financial capturing of the 40 + million consumers who currently exist in underserved ("unsecured"/ "unbanked") markets.

U.S. Cash™ has the next generation general spend prepaid card. Our strategic relationships combine to make an enterprise payment processing platform has the flexibility and multi-function capability for sharing funds and making payments.

Rich with features like multiple load and spend options and Internet access to prepaid accounts, U.S. Cash™ is a more convenient and efficient alternative to regular stored value cards, and is far superior to carrying cash and writing checks.

Instant Issue Cards

Instant issuance enables you to offer "instant issue" prepaid cards for immediate purchase, helping increase foot traffic at retail stores, branches or merchant locations. With our instant issue program, consumers may supply their needed USA PATRIOT Act information with address verification and leave that location with a card.

Payroll Cards

This is a unified payment solution delivering significantly greater money management value to employers and workers than ordinary stored value payroll cards.

• Flexibility to direct payroll into multiple accounts per employee, in a secure online environment, with options customizable to the needs of each company structure and employee culture.

Card-based payment is only the beginning for Web-enabled employees.

Gift Cards

Millions of gift cards were distributed in 2004 in transactions amounting to billions of dollars of value. In fact, nearly half of holiday gift recipients said they preferred the flexibility and options presented by a gift card.

The new challenge is to create ways to keep the prepaid gift card from becoming passé. With our solutions you can do more for you and the people who buy gift cards; including optional merchant loyalty programs, merchant data capture, convenient reload features, and much more. 

We create a gift card that is much more than just stored value.

Benefit-Administration-Health Care Solutions

Our solutions offer a more efficient way to manage individual reimbursement of health care costs. Whether your business clients maintain a traditional employee health care program, retirement medical care, or deposits into new Health Savings Accounts, the solution you offer needs to add value to your services.

By offering our multi-account flexibility and wide range of load and spend options, financial institutions and health care providers can combine to offer their business customers a better solution for health care transactions. Our solutions improve medical cost management with a medical expense card that is much more than an ID.

IMPORTANT

Additional Benefits are included with your Debit Card.

Summary of benefits included for all registered card holders:

• Insurance benefits included are $2,500 Accidental Death and Dismemberment benefit as well as $250 Accidental Medical Expense benefit after a $75 Deductible, for registered card holders.
• Prescription Drug Savings Plan- Benefit is for you and all family members available at over 45,000 locations. 10-30% Discounts off average community drug prices on both generic and name brand drugs.  Also includes mail order savings program.
• Membership in Select Benefit Services Association.

Insurance coverages are provided by Guarantee Trust Life Insurance Company.

ADDITIONAL UPGRADE BENEFITS AVAILABLE

In addition to the base benefits mentioned above, other Packages of Benefits are available to you.

PACKAGE A  ($9.95/mo)

• $10,000 Accidental Death and Dismemberment and $1,000    Accidental Medical Expense after a $100 Deductible.
• Prescription Drug Savings Plan for all family members of registered cardholder:
• Association membership in  Select Benefit Services Association.
• Dental Care.  Savings from 15 to 50% off dentists customary fees, at one of the largest networks of Dentists Nationwide for all family members of registered cardholder.
• Vision Program.  Savings from 20-60% off retail costs, no pre-approvals, or claim forms, no restriction of services at a PPO network of vision providers.  Available for all family members of Cardholders.
• 24 Hour Ask-A-Nurse program which allows unlimited access by phone to Registered Nurses.
• Chiropractic Care offers savings up to 40% on diagnostic services including x-rays, and savings up to 20% on all other services through a network of 7,000 credentialed chiropractors nationwide.
• PPO Hospital/Doctors Network Benefit which allows discounts from 10-30% from 2,700 Acute Care Hospitals as well as a Patient.
• Advocacy program for all members of the registered cardholders family.

OPTIONAL BENEFIT to PACKAGE A

All benefits in Package A with the following additional benefit
($12.95 a month)

REPATRIATION of REMAINS services available for most countries of the World.

Benefits

Movie Discounts: Enjoy your favorite movies on the big screen at preferred rates by purchasing your movie passes in advance! Great theatres like Cineplex Odeon/Galaxy, AMC Theatres, Cinemark, United Artists, and others provide special member prices.

Dining and Fast Food Discounts: Enjoy savings of up to 50% at hundreds of dining establishments, including restaurants, casual dining, fast food, desserts, catering, take-out, delivery, and more.

Wireless Alerts: Stay informed with U.S. Cash alerts. U.S. Cash offers text message or email alerts.

Accepted Anywhere: The U.S. Cash Prepaid MasterCard® can be used to make purchases wherever MasterCard debit cards are accepted, including millions of MasterCard® merchant locations.

Power of Traditional Debit Card: With the U.S. Cash Prepaid MasterCard, you can make 'debit' (PIN based), and 'credit' (Signature based) transactions, check your balance and withdraw cash at the ATM.

Online Bill Pay: You can use the U.S. Cash Card to help pay your bills. Paying bills can be a hassle, but U.S. Cash makes it easy. You can utilize the U.S. Cash Bill Pay option to pay your bills to over 4,000 billers.

Free Direct Deposit: Have pay, dividends, disability and government checks (i.e. Social Security, Medicare, Welfare, etc.) sent directly to your U.S. Cash account for FREE. Your funds are available the same business day they are received.

Q&A

How does my card work?
It's a prepaid MasterCard, which means you can spend up to the value placed on the card wherever debit U.S.Cash Prepaid MasterCard® is accepted.  You can shop in stores, online, over the phone, and by mail order. You can get cash at ATM's worldwide that accept debit MasterCard. Each time you make a purchase, the amount of that purchase is automatically deducted from the card.

What if my card is lost or stolen?
Call customer service right away at 800-297-9443. They will need your card number to cancel your card and issue a new one, so make sure you've kept the card information in a secure place that is separate from the card.

How do I use my card at an ATM?
It can be used at ATM's around the world that accept debit MasterCard. ATM functionality varies among financial institutions and countries. To get cash at an ATM, follow any on-screen directions. If asked which account to access, try selecting "checking", and if that does not work, use "credit". If using for a retail purchase, use like a credit card. If prompted for debit or credit, select credit.

Can I use my card to get gasoline or rent a car?
When you pay at the pump, some stations check to see if you have funds to pay for a full tank (up to $75). If your card is declined even though you still have funds, tell the attendant how much gas you intend to buy and sign the receipt for that amount. Some rental car companies may require that you use a credit card to make a reservation. Your card is always welcome for final payment.

Can I use my card to make reservations at a hotel?
Yes you can, but hotels will verify that your card has sufficient funds to pay an estimated bill for your stay. That amount will be "held" in your account, making it unavailable for other purchases. When you check out, the "hold" will be removed and the actual bill amount will be deducted. Your card is always welcome for final payment.

Can I pay for meals with my card?
Yes, but be aware that some restaurants will verify that your card has enough funds to cover the purchase plus a 15-20 percent tip. Only the amount you sign for will be deducted, so you can leave a tip with your card or in cash.

How do I buy something that costs more than what is on my card?
You can use a second payment method such as cash, check, or credit for the difference. Let the cashier know how much you will pay with each type of payment before you make your purchase.

What if I need to return an item I purchased?
Always keep your card handy. This way you will have it in case you need to make a return. You'll need to contact the merchant and follow the merchants return procedures. The value of the merchandise will be available on your card in three to seven days after the return.

I've signed up for direct deposit, how will I know if my pay was deposited into my card account?
Your employer will process your direct deposit information, so on payday, your earnings will automatically get deposited into the account you specified. To confirm the funds have been received, you can go to www.MyCardAccount123.com and click on "Account Login".