DOE OPSR Program Payroll Training

Payroll Cards: 101 All Participants will have payments sent to a personalized Payroll Card ◦Name ◦Visa Logo ◦PIN Benefits of Payroll Cards ◦Accepted nearly everywhere ◦Fast, easy way to access cash ◦Automatically available on payment dates ◦Avoid long lines at the check cashing facilities ◦There are ways to access all cash without incurring a fee!

Fee-Free Program This is a Fee-Free Program designed to enable you to get all your funds without incurring a fee. Some services will cause a fee. Education – We want to show you how to access all of your funds, without ever incurring a fee!

The Payroll Card!

Don’t Forget to Sign It!

Payroll Card Activation Open the envelope Call the number on the card ◦ Or, go to Enter the 16 digit card number Enter your 8 digit date of birth – month, day, year (00/00/0000 – date format) Enter the last 4 digits of your SSN Select a PIN (Easy for you, hard for someone else to guess!) Ready to use!

Payroll Card Transaction Types Store Purchases ◦With or without cash back Cash Advance / Teller Withdrawal ◦*Not an advance of funds that are unavailable Transfer to Bank Account Savings Option ATM Withdrawal

Store Purchases Accepted wherever Visa is located Signature card Swipe card Select “Credit” NO LINE OF CREDIT Under a certain amount, signature is not required Decline Fee = $0.50

Store Purchases With Cash Back Accepted wherever Payroll Cards are accepted Swipe card Select “Debit” Enter PIN May ask “Would you like cash back?” Select “Yes” Enter amount, take card, purchase, cash and receipt!

Cash Advance Accepted at banks that perform “Cash Advances” This is not an advance of money that will be posted on your card in the future! Hand the card to the bank teller, and say “I would like to have a cash advance.” They will ask for a form of identification Tell them the amount Take the cash, card and receipt!

Transfer to Bank Account Go to: ◦ Type 16 digit card number Transfer Funds Card to Bank Account Select Account Type Enter Name on Bank Account, Transfer Amount, Routing Number, and Bank Account Number BE SURE TO ENTER THESE NUMBERS CORRECTLY!!!

Enroll in Savings Go to: ◦ Select “My Card Features” Select “Enroll in Savings” View the Electronic Signature Act Disclosure, and Savings Account Terms and Conditions The Interest Rate varies

ATM Withdrawal Insert Card Enter PIN Select “Withdrawal From Checking” Enter amount Select OK, Yes, or Enter Take Cash, Card and Receipt

Fee-Free Use of Your Payroll Card Two parties may assess fees: Payroll Card Company and the place where you use your card One fee-free transaction per payment period Use it wisely Utilize POS Purchase With Cash Back and Cash Advances, which will always be fee-free Know YOUR balance!

Fee-Free Banks Citibank HSBC TD Bank These banks will never charge a fee to your Payroll Card. The card company will charge a fee, after your first fee-free transaction.

Outside the “network” ATMs outside of our fee-free network WILL assess fees. That’s how they make their money. Be sure to stay within the fee-free network as much as you can! Avoid “corner store ATM machines.” The Payroll Card company will charge a fee for ATM usage beyond the first fee- free transaction.

Transaction Types Fee-Free Transactions Transactions with Fees Checking Your Balance! Text Alerts Mobile App Store Purchases Cash Advances (withdrawal from a bank teller) ATM Transactions Retail/ATM Declines

Payroll Card Fees FREE

A Typical “Fee-Free” Day ATM Withdrawal at an HSBC. Store Purchase at Staples as a Signature card. Make a small purchase at CVS as a Payroll Card, with cash back. Do a Teller Withdrawal (Cash Advance) at any bank. Call the to check your balance. Sign up for Text Alerts.

Checking Your Balance Know Your Balance! Call Go to Text Alerts Mobile App

Text Alerts Alltel, AT&T, Boost, Nextel, Sprint, Verizon, Virgin, Cellular One and more! Enter phone number Press 1 to confirm Press 1 for English, 2 for Spanish BAL STOP Low Balance, Load to Card, News and Offers

Smart Phone App Prepaid CardConnect Sign up through first to get a password! Available for iPhone, iPad and Android ◦Check your balance! ◦View transaction history ◦Transfer funds ◦And more!

Payment Dates Bi-weekly Payments Fridays at 9am starting ◦November 27 ◦December 4 ◦(Every other Friday thereafter) DO NOT ATTEMPT TO ACCESS YOUR FUNDS UNTIL AFTER 9AM ON FRIDAY PAY DATES!!!

Contact Information For Questions or Help: Call Customer Service: Go to: Search the App Store: ◦Prepaid CardConnect