Using my PAYCHEK PLUS!

Transcription

1 Using my

2 The Basics 1: Getting started 4 2: How my card works 9 3: Making work for me 11 4: Getting cash at an ATM 13 5: Making a purchase at a store 15 My account information or 6: Sending money to others worldwide 17 7: Buying a money order 23 8: Making a phone call 25 9: Checking my balance 27 10: Getting my whole paycheck at one time 29 American EPAY, Inc. 11: Upgrading to a Signature card 31

3 Advanced 12: Changing my PASSCODE 33 13: Managing my money on the Internet 34 14: Checking my pay stub 39 ETC Oh No! Handling problems 42 Fees Summary 45 Glossary 46

4 Getting Started 01 WHAT Open the card envelope Find my card Learn what I need to do to get the card WHY So I can use my money 4

5 02 PIN #### PASSCODE #### Find my identification numbers Peel the card off the sheet My PIN and PASSCODE numbers are UNDER the card THESE ARE IMPORTANT Keep my PIN and PASSCODE in a safe place My account information or 5

6 03 <graphic of application> waiting on image from FSV Smith Joe P /09/1970 Fill out the application and give it to my supervisor Joe Smith 7/20/04 Remember to sign it! 6

7 My card account The back of your card has useful information What is a PIN? A PIN is your Personal Identification Number It is a 4-digit number (####) Use PIN to get cash from an ATM or make a purchase at participating stores, gas stations, grocers or convenience markets What is a PASSCODE? It is a 4-digit number (####) Use PASSCODE to check my balance by phone or the Internet Also use to send money to my Dollar Direct card(s) My account information or 7

8 07 08 PIN #### PASSCODE #### Memorize these and keep a copy of the numbers in a safe place Do not write them on my card Card smarts Never keep my PIN and PASSCODE numbers with my card Keep the original card form in a safe place at home If I lose my card Call immediately. They will deactivate my card to protect my money. Next, contact my supervisor to get a new card 8

9 How my PAYCHEK PLUS! card works Me My employer Payday WHAT My account Safe and secure See where my money goes with WHY My card Be confident that my money is safe and can't be touched by anyone else See how helps me use money with greater convenience Getting cash at an ATM My account information or Making purchases Sending money Making phone calls 9

10 Card Smarts Impossible to be overdrawn Never an overdraft fee Look at the back of my card to see where it is accepted: My money is safe, even if I lose the card Remember my PIN and PASSCODE. Keep them secret and in a safe place Shop at stores that accept my card Save fees by using surchargefree ATMs. Find where at Coinstar over 10,000 supermarket machines Pulse 250,000 ATMs 3,300,000 Retail STAR 241,000 ATMs 1,001,000 Retail Cirrus 820,000 ATMs 10 25,000 ATMs

11 Make PAYCHEK PLUS! work for me WHAT Read instructions BEFORE using the card Using my card is easy and low cost Key facts about WHY Save time, money, and effort Avoid problems Please read the card information that came with your PAYCHEK PLUS! card Words I need to know are located in the glossary in the back My account information or Get cash at an ATM* 1.75 Check my card balance at an ATM 0.75 Check my card balance on Internet or phone FREE Use my card to buy 0.50 items at a retail store If first use of my card each pay FREE period is to buy from a store or purchase a US Post Office money order Send money to others 4.00 Money order at US Post Office 0.50 Get cash at an international ATM 3.50 (Please refer to the fee schedule on the card carrier for a full listing) *Other ATM specific charges may apply 11

12 03 04 DON T GIVE OUT MY NUMBERS to strangers or friends Memorize them and keep in a safe place Each pay period, the first time I use the card for one of these items below it s FREE Make it count! Get a US Post Office money order Make a purchase at a store Transfer money from my card to a bank account 12

13 Getting cash at an ATM WHAT Find an ATM with any of these logos on the back of my card Insert my card into the ATM Use my card to get cash from an ATM WHY Find locations near me So I have cash when I need it STAR 241,000 ATMs Cirrus 820,000 ATMs My account information or Pulse 250,000 ATMs 25,000 ATMs 13

14 Checking Enter my 4-digit PIN Choose Checking option Then, follow on-screen instructions Remove my cash quickly Before I leave, remember to take my receipt and make sure I have my card PAYCHEK PLUS! 14

15 E NT Making a purchase at a store DEBIT YES NO E NT CLEAR CANCEL E R WHAT Hand my card to the cashier or swipe it in the Point of Sale (POS) terminal Select Debit Use at local stores WHY YES NO CLEAR CANCEL E R So I won t need to carry cash or checks to buy things I need Point-of-Sale Terminal (POS) My account information or 15

16 E NT **** YES NO CLEAR CANCEL E R Enter my 4-digit PIN Card smarts Then, follow the instructions on the terminal display Save a fee by combining my purchase with getting cash, if I need it. I ll pay one fee instead of two Not all stores let me add cash to the purchase For Cash Back with purchase, enter the extra amount I want, or ask the cashier how much cash back I can get 16

17 Sending money to family and friends anywhere WHAT 01 Save 75% on money transfer fees 02 (1) Write down the 16-digit Dollar Direct card number (#### #### #### ####). Mail the card to others anywhere (2) Easily send money anytime to the Dollar Direct card from my PAYCHEK PLUS! account by phone or Internet Easily send money to the Dollar Direct card from my PAYCHEK PLUS! account WHY Sending money to my Dollar Direct card(s) is only 4 each time, no matter how much money I send Get as many additional Dollar Direct cards as I need for only 4.95 each (3) So I can send money to family and friends Getting cash at an ATM Making purchases Making phone calls My account information or 17

18 LIBRARY To send money via phone call Follow the prompts for English and Spanish, then Press 1 to send money Or, go to our website Even if I don t have my own computer, I can go to most public libraries for FREE Internet access 18

19 Click Cardholder Account Access Enter my card number and Press LOGIN My account information or 19

20 Enter my 4-digit PASSCODE Check my balance for available funds to send Press CONTINUE Then, click Funds Transfer to send money to any of those who I have given a a Dollar Direct card 20

21 Click Between Card Accounts Enter the Dollar Direct card number, the amount, and the last name of the person that I am sending money Press TRANSFER FUNDS I will see a confirmation message when the transfer is successful Remember to Logout when I am done My account information or 21

22 12 13 After I send money to others they can get cash at ATMs or buy items at stores with their Dollar Direct card Card smarts Sending money is easy and safe at 4 per transaction Save big by not using money transfer stores Make it easier and safer for others to get cash at participating ATMs 22 The Dollar Direct cardholder can only see the amount of money on their Dollar Direct card. They cannot see the card balance on my card or any other Dollar Direct cards

23 Buying a money order WHAT Go to any US Post Office Ask to purchase a money order I can pay for it with my debit card or with cash Purchase a money order with my debit card or with cash WHY or, the customer service desk at most grocery stores So I can pay my bills and other expenses My account information or 23

24 03 Card smarts Remember each pay period, if the first time I use the card is to get a US Post Office money order, to make a purchase at a store OR to transfer money from the card to a bank account, that transaction is FREE Buy a money order at the US Post Office anytime 24

25 Making a phone call GHI 4 PRS 7 ABC 2 JKL 5 TUV 8 OPER 0 DEF 3 MNO 6 WXY 9 WHAT Dial the 800 number on the back of my card Press 2 to make phone call Pay for a phone call with my card WHY Press 1 for English Press 2 for Spanish Convenience. Stay in touch with anyone, anywhere My account information or 25

26 Enter my 16 digit card number Enter the phone number of the person I want to talk to Start with 1 plus the area code, even for local calls * Press if I make a mistake entering numbers, so I don t have to dial the 800 number again Card Smarts It is affordable and easy to stay in touch: 0.25 connection fee for each call 0.10 per minute to talk If I want to place a second call, hang up the phone and wait 2-3 minutes. This will allow the system enough time to clear my account 26

27 Checking my balance WHAT At the ATM Use WalTer at work Learn where I can check my card balance WHY After I get cash, the ATM will automatically print out a receipt with my balance shown 0.75 If I don t want to get cash out and just want to see how much money is in my account, select Balance Inquiry FREE After I login, Press So I know how much money is on my card To find an ATM Press 2, then Swipe your pay card My account information or 27

28 Call our Toll-free number FREE Choose English or Spanish Press 1 to check balance Visit our website: FREE Look at the Managing my money with the Internet lesson to learn how to use our Internet website Go to any Coinstar machine at participating grocery stores.50 Select Payroll Services from the main menu and then choose Balance inquiry To find a Coinstar machine Coinstar over 10,000 supermarket machines 28

29 01 Upgrading to a Signature card 02 WHAT Get a Signature card WHY So I can have the purchasing power of MasterCard to dine at restaurants, make reservations at hotels or rent cars Upgrade to a Signature card and get the purchasing power of MasterCard Personalized with my name In addition to most of the benefits of my PAYCHEK PLUS! card... Dine at restaurants Make reservations at hotels Rent cars and trucks Make purchases over the Internet and telephone The initial card fee is charged to my account, no need to send money The Signature card upgrade cost is There is a 4.95 monthly fee I never pay retail purchase fees (POS) When I upgrade to a Signature card, I will no longer receive FREE the first transaction each pay period for either a US Post Office money order, a store purchase or transferring money to a bank account Account information or 31

30 How do I know when I can upgrade? I will likely be eligible within days, or I will be notified over the phone when I call to check my card account information or I can also call to request an upgrade If I am eligible, I can register over the phone and my Signature card and PIN will be sent to my home address in 10 days or less Make sure to verify that they have my correct mailing address My money is automatically moved to my new Signature card after I confirm I have received it Card smarts Expand my purchasing power to millions of locations Continue to send money to the same Dollar Direct cards Access my balance and transaction history on the Internet or over the phone 32

31 Getting my whole paycheck at one time WHAT Go to any US Post Office Ask for a money order Use my 1 FREE US Post office money order if it is my first transaction each pay period WHY authorizes a FREE money order purchase if it is my first transaction each pay period If I want to get my whole paycheck cashed at one time Account information or 29

32 03 Cash the money order I can usually do this at the post office or at most banks and some national grocers 30

33 Changing my PASSCODE WHAT Learn how to change my PASSCODE WHY PASSCODE #### Call Follow the voice prompts Go to our website Look at the Managing my money with the Internet lesson to learn how to use our Internet website So I can remember the number better Account information or 33

34 Managing my money with the Internet LIBRARY WHAT Even if I don t have my own computer, I can go to most public libraries for FREE Internet access Go to our website Learn how to use our website WHY 34 So I can manage my money: Check my balance and card activity Send money to others on my Dollar Direct card

35 Click Cardholder Account Access Enter my card number and Press LOGIN My account information or 35

36 Enter my 4-digit PASSCODE Check my balance Press CONTINUE 36

37 Click Card Activity to check activity on my card View the latest card transactions My account information or 37

38 Click Funds Transfer to send money to a Dollar Direct card Remember to Logout when I am done Look at the Sending money to others lesson to learn more on how to send money via our Internet website 38

39 Checking my pay stub (1) After I login, Press WHAT Use WalTer at work? Learn where I can check or print my pay stub FREE If I am a registered user, I can view and print my pay stub (2) Press WHY (3) Press to print Print So I can see how much I was paid View more 0. My account information or 39

40 If I am not registered on WalTer, call the Toll-free number Or, go to our website Or, go to a Coinstar machine at participating grocery stores FREE Follow the voice prompts to hear a summary of net pay FREE FREE - First time each pay period Select Payroll Services from the main menu and then choose Wage statement printing To find a Coinstar machine Coinstar over 10,000 supermarket machines 40

41 Visit our website and login Look at the Managing my money with the Internet lesson to learn how to use our Internet website After login, click epaystub View or print my pay stub Remember to Logout when I am done My account information or 41

42 Oh, no! Handling Problems WHAT Learn how to handle problems that may arise WHY What if I lose my card or it gets stuck in the ATM? Call immediately. They will deactivate your card to protect your money Next, contact your supervisor to get a new card. After you receive your new card, Call They will move your money to your new card and you can begin using your new card immediately What if the wrong amount is deposited in my account? Contact your employer s payroll department So I can solve them quickly and easily 42

43 ?PIN #### PASSCODE #### What if my card doesn t work? The magnetic stripe may have been damaged Contact your supervisor to get a new card. After you receive your new card, Call They will move your money to your new card account. What if I lose or forget my PIN or PASSCODE? Call immediately. They will deactivate your card to protect your money Next, contact your supervisor to get a new card. After you receive your new card, Call They will move your money to your new card What if the wrong amount is charged for a purchase? If your receipt is correct, but you were overcharged on your card, Call for assistance My account information or 43

44 What if I changed my name or address? If you change your name, fax or mail your request and copies of the official change of name documents to: FSV Payment Systems ltd PO Box Houston, TX FAX (832) Include your former name, address, phone number, 16-digit card number, new name and any address or phone number changes If you change your address, call or go to What if I change employers? If you change employers, you can still use your card until there is no more money left in your account If your new employer pays by Direct Deposit you can continue getting paid on your PAYCHEK PLUS! card They just need this information: Stillwater National Bank and Trust Company Stillwater, Oklahoma Routing/Transit Number: digit account number from the front of your card

45 Fees Summary 01 WHAT Learn what is free and what costs a small fee WHY So I can make smart choices Card smarts Remember each pay period, if the first time I use the card is to get a US Post Office money order, to make a purchase at a store OR to transfer money from the card to a bank account, that transaction is FREE Go to surcharge-free ATMs to save fees. Look for the Allpoint logo or find an Allpoint ATM at Put this card in my wallet to refer to fee information Wallet Card Get cash 1.75 Check balance 0.75 Retail purchase 0.50 US Post Office 0.50 money order Phone call 0.25 Domestic rate 0.10/min Balance inquiry FREE (Work site/web/phone) E-Pay Stub FREE (Work site/web/phone) 25,000 ATMs My account information or Send money 4.00 (Dollar Direct card) Account information or 45

46 Glossary Automated Teller Machines (ATM): This is a computer where I can get cash or check my card balance. Use of an ATM requires a, Dollar Direct, or Signature card and PIN Card Balance: The amount of money that is remaining on the, Dollar Direct, or Signature card Card Carrier: I receive my card on this document epaystub: My pay stub viewed on the Internet card: A card that collects money automatically from the employer at the end of each pay period. This card can be immediately used to get money or pay for purchases PASSODE: 4 numbers used to manage my money on the Internet or over the phone. Also use to send money to a Dollar Direct card PIN: (Personal Identification Number) 4 numbers used to get cash from an ATM or make a purchase at a retail store Card to card transfer: Sending money from my or Signature card to a Dollar Direct card Fee: A fixed charge for a service FDIC insured: Federal Deposit Insurance Corp. An agency of the U.S. government that manages the bank insurance funds, which insure deposits at banks and other qualifying financial institutions up to 100,000 per account in interest and principal Dollar Direct card: Transfer funds from my PAYCHEK PLUS! card and send money to family and friends anywhere Money Order: A money order is similar to a check. It is used to pay bills or make purchases in cases where cash is not accepted. I can purchase these at the US Post Office or most grocery store service desks Point-of-Sale (POS): Electronic payment for retail goods and services Surcharge-Free ATM: This means the owner of the ATM will not charge an extra fee. Please use Allpoint branded ATMs Signature card: Upgrade from to a Signature card and get the purchasing power of MasterCard so I can use my card to dine at restaurants, make reservations at hotels, rent cars and trucks, make purchases over the Internet and telephone WalTer: An easy to remember name for the EPAY wall terminal. It is located at some work sites Withdrawal: Take out money from my account

47 My account information or American EPAY, Inc.