1. PaychekPLUS! Elite® Visa® Payroll Card Training ePay Enrollment

2. Training Agenda PaychekPLUS! Elite Visa Card Program Components
Common Terms & How To Use
Helpful Tips

3. PaychekPLUS! Elite Visa Payroll Card Do more. Get more. Save more.

4. Program Components Instant Issue Card Personalized Card
Make purchases anywhere Visa debit cards are accepted – in person, online, by phone
Available to existing employees and new hires
Used for lost/stolen replacements
Numerous lifestyle-enhancing features
Personalized Card
All of the above, plus embossed with employee’s name
Issued for free upon request

5. Using the Card Signature or PIN debit purchases
Free, Unlimited Access
Make purchases, with or without cash back
Over the counter cash withdrawal at 98,000 bank branches
Allpoint® ATM cash withdrawals (37,000 locations)
Purchases
Signature or PIN debit purchases
Shop and pay bills anywhere Visa debit cards are accepted
Access to Cash
Allpoint surcharge-free ATM network
Cash withdrawals at ATMs worldwide
Cash back with purchase at participating merchant locations
Direct Deposit

6. Convenient, Valuable Card Features
Free & clear access to pay
Free purchases, plus cash back
Free to every cardholder
Interest-bearing account
Automatic transfer option
Helps to prepare for unexpected expenses
Shop at popular merchants and get cash rewards deposited monthly
No points, no coupons, no strings!
Savings
Rewards
Quicker, easier, cheaper than money orders
Pay bills online, via phone
Pay anyone
Track payment history
Allpoint surcharge-free ATM network
Money orders
Bill Pay
Access
Free, quick and easy
Online & IVR setup
Instant balance checks: Text “BAL” to 90831
Load & low balance alerts
Text Alerts

7. Mobile Application Access To: Card Balance Card History Text Alerts
Find ATM Location
Transfer Funds
FAQs
Contact Us
Developed for iOS and Android Operating Systems

8. Cardholder Pricing Overview
Common Cardholder Usage
Fee
PIN Debit POS Purchase
Free
Signature POS Purchase
Allpoint ATM Withdrawal
Non-Allpoint ATM Withdrawal
$1.75
Cardholder Services – IVR, Live Agent, Web
A full list of cardholder fees is detailed in the Cardholder Agreement provided in the card packet and also online at

9. Sample Employee Savings
Paper Check
Paycard
Transaction
Payment Method
Fee
Weekly Pay
Cash Check $3)
$12.00
Direct to Card $0
Rent
Money Order
$0.88
Convenience Check
Car Insurance
Pay at Website
Gas Bill
Electric Bill
Cell Phone Bill
Pay by Phone
Cable/Internet Bill
Total
~$17.00
Employees save significant time and transportation costs, as well.

10. Managing Card Account Online By Phone – Toll-free www.paychekplus.com
Guidance on card features, how to use and helpful tips
Account balance and activity
Monthly statement and account history
Update PIN, address, etc.
Sign up for card features
Self-service automated IVR
Access live service 24x7x365
Report lost/stolen cards
Dispute transactions

11. Replacing a Lost or Stolen Card
Employee reports lost card to FSV customer service
Employee obtains new card packet from work site
Employee calls FSV customer service
Funds moved to new card*
*Cardholder may be assessed a $5.00 replacement fee.

12. Helpful Tips and Guidance for Using the Card
Appendix
Helpful Tips and Guidance for Using the Card

13. Common Terms
PIN Number: Four-digit number used to get cash at ATMs and retail merchant locations where PIN debit transactions are accepted
POS purchase: Point-of-sale, also referred to as retail purchase
Debit purchase: Any purchase made by selecting “Debit” at the cash register and then using the keypad to enter your PIN
Signature purchase: Any purchase made by selecting “Credit” at the cash register and then signing your name or choosing Visa to make a purchase online or by phone
Surcharge-Free Allpoint ATMs: Surcharge-free ATMs save employees money because they do not charge a fee for using their machines, as other ATM owners may charge

14. How to Use: Making Purchases
Make purchases anywhere Visa debit cards are accepted
For online or phone purchases, follow instructions provided
At a retailer, swipe your card or hand it to the cashier to swipe
Select “Credit” and sign your name on the merchant receipt, OR
Select “Debit,” accept the total amount and enter your PIN when prompted
Take your card and receipt
Know your balance. Avoid declines.
Enroll in free Text Alerts at or by phone, and you can get your updated balance before making a purchase by texting “BAL” to

15. How to Use: Cash Back with Purchase
Get cash back for free at participating retail locations
Swipe your card or hand it to the cashier
Select “Debit” as your method of payment and enter your PIN on the pad when prompted
Enter the amount you would like to receive when prompted or tell the cashier you want cash back
Accept the total amount of purchase including your cash back
Take your cash, card and receipt

16. How to Use: Getting Cash at an ATM
Convenient access to cash
Find an ATM your card accesses (See logos on back of card)
Insert your card into the machine and enter your PIN when prompted
Select “Checking” and the amount you want to withdraw
Accept the fee when asked
Take your cash and your card
Know your network. Your card is part of a large network of ATMs that offers convenient access to cash. Go to to locate ATM locations near you.

17. How to Use: OTC Cash Withdrawal
Get your pay “to the penny” at 98,000 banks
Look for a visible Visa acceptance mark (logo) at the bank
Request a cash withdrawal or “advance” from a bank teller and specify an amount (up to the total card available balance)
Provide your card and a government-issued photo ID
Take your cash and receipt
If the bank teller does not comply, report the bank teller’s name and bank location to FSV by calling the number on the back of your card.

18. How to Use: ChekToday
ChekToday convenience checks are available as needed
Why use convenience checks? When you need a check to:
Pay bills
Send money
Get 100% of your pay from your card account
How do you use them? At or by phone:
Order checks, as needed (Upon request, set of 3 or 6 mailed to address on file)
Authorize checks in the appropriate amounts before making payments
Call customer service to:
Void a check
Stop payment on a check
Report a check lost or stolen
Funds are removed from the account when the check is authorized.

19. How to Use: USPS Money Orders
As the first transaction of the pay period, you can use your card to get one free money order at any U.S. Post Office location
How does it work?
Request a money order at a USPS location
Fill out the money order form to specify the payee (individual or merchant) and the appropriate amount (up to $1,000)
Accept the fee*
Take your money order and receipt
If sufficient cash is available at the Post Office, you may be allowed to cash a money order there
* The USPS employee is unaware that your money order purchase is free if it is the first transaction of the pay period. You should accept charges when prompted, but you will not be charged.

20. Helpful Tips Use your free transactions
Find convenient Allpoint ATM terminals near you and use them whenever possible (See for locations)
Save the toll-free customer service number in your cell phone
Enroll in Text Alerts to keep track of your balance and avoid declines. Standard text messaging rates may apply depending on your cell phone rate plan.
Open a savings account to earn interest
Be aware of pre-authorization padding (to cover tips) at restaurants and other service providers
Pay for your gas inside instead of at the pump to avoid holds of up to $125 on your funds
Some rental car companies may require you to use a credit card for reservations but allow you to use your paycard for final payment