No. This is a prepaid card that carries a fixed cash amount determined by the amount deposited to the card account. Each time you use the card, the purchase amount plus applicable fees are deducted from the available value.

The three-digit security code is located on the back of the card.

Return policies are determined by the merchant. Each merchant location handles returns in the same manner as any other branded card transaction. The merchant may credit your card, provide a cash refund or offer a store credit.

Additionally if you need to dispute a purchase that you believe may be fraud immediately contact customer service.

Your best and most convientent option is to get cash back while making a transaction. When you select "Debit" you'll normally be asked if you'd like to use the "Cash Back" feature, however this does vary by merchant. Cash can also be accessed at any ATM machine that displays the MasterCard, Maestro® or Cirrus® acceptance marks. Fees may apply, and some fees may be higher at different ATM locations.

If your card is on the participating AllPoint™ network you can also use an AllPoint Network ATM for one surcharge free transaction per pay period. Keep in mind that your employer must Direct Deposit your paycheck to your card for you to qualify and some employers are not enrolled in the AllPoint program for cards. Ask your employer for more details and to see if your card qualifies, you may also call customer service with the number provided on the back of your card.

Yes. Cards function as prepaid cards, with no overdraft capability. A purchase may be denied if the card's available value is less than the purchase amount. You may inform the merchant of the remaining value on the card and ask for a "split transaction" that would allow you to use another form of payment to pay the difference. The ability to do split transactions is subject to the policy of the merchant. Also, be aware that some merchants, such as restuarants, mail-order companies and cruise lines will require the card to have a greater available value than the purchase amount. This is to ensure sufficient funds for tips or incidental expenses.

Yes. Each card does have an expiration date that is indicated on the front of your card.

When your card reaches it's expiration you will be refunded your money less that of the check fee that is incurred when closing your account. If your card has a negative balance you will be asked to pay the remaining balance in full at which your card account will be closed unless you have made arrangements with customer service to acquire another card.

There are many types of email fraud. A recent and increasingly common type of email fraud involves the use of phony emails that ask you to provide sensitive personal, financial or account information. You may be asked to supply the information in a return email, in a separate form attached to the email or by visiting a phony website using a link contained in the email message. The people attempting to get this information may use it to access your accounts directly, including withdrawing money, or to open new accounts in your name using your information.

To report a suspicious PaycardUSA email, you can forward it to abuse@paycardusa.net

Recognizing email fraud may not be easy. The criminals who use email and online fraud to get your personal, financial or account information are adopting increasingly sophisticated techniques for duping consumers.

You should approach unsolicited email containing urgent appeals for security or personal information with great caution. You should always confirm the validity of email messages that appear to come from trusted sources.

PaycardUSA will never ask you provide your Social Security Number or PIN or any other sensitive information in response to an email. If you receive an email from PaycardUSA and you're not sure if it's real, don't click on any links in the email and immediately report it.

To report a suspicious PaycardUSA email, you can forward it to abuse@paycardusa.net

Some tips for protecting your personal information:

• Be cautious when providing personal data such as your Social Security Number or payroll card account information over the telephone, in person or on the Internet. Do not give out this information unless you are sure of the person with whom you are dealing.
• Carry only necessary identification with you. Do not carry your – or other family members' – Social Security card(s). Do not carry passports or birth certificates unless they're needed that day.
• Monitor bills and bank statements frequently and immediately report any suspected fraudulent transactions to the holder of your account.
• Receive and store as many of your account statements electronically as you can.
• Store cancelled checks, new checks and account statements in a safe place.
• Question suspicious emails. We will never send you an email asking for your online ID pass code or PIN number.
• Install anti-virus and anti-spyware programs on your home computer. Keep these programs updated.
• Don't write your personal identification number (PIN), Social Security Number, driver's license number or credit card account number on checks, or on your ATM, credit card or debit card. Stand directly in front of the ATM when entering your PIN.
• Keep mail secure. Do not mail bills or sensitive information from your home or unsecured mailboxes. Retrieve and review your mail promptly.
• Tear up or shred pre-approved credit offers, receipts (including ATM receipts) and other information that could link your name to your account numbers.
• Check your credit report periodically and be sure all information is up to date and accurate. Have any fraudulent transaction deleted.

Cardholders are encouraged to use the entire amount before your card expires. Once the card expires, any remaining balance will be unavailable by the use of your card.

You should immediately report a lost or stolen card online or by calling customer service as soon as possible. At the cardholders request, a replacement card will be issued and any available value will be transferred to the new card, less a replacements card fee that will be deducted from the card's available value. As long as the lost or stolen card is reported immediately you will not be held responsible for any unauthorized merchant charges.

Cards can be used to make both signature and PIN transactions. All signature transactions are FREE and PIN transactions carry a fee that will be deducted automatically from the card balance. Keep in mind that a PIN transaction is best used for when you are wanting "Cash Back" as this fee is significantly less then an ATM surcharge fee.

Additionally keep in mind that most fuel merchants require a authorization of $100 held for purchases at the pump. That means if you use your card at the pump for $10 and additional $90 will be held for up to 3 business days until the merchant releases the funds back to your card account. You can avoid these authorizations by having the cashier charge your card for the exact amount of fuel you wish to purchase.

You may load more money onto your card at any time by a ACH transfer from a checking account or savings account, by sharing funds from another PaycardUSA payroll card or by payroll Direct Deposit from your employer. Upon authorization, this will cause the monies to be transferred to into the account to be available for use by you to make transactions.

Loading by ACH transfer from a checking, savings account or by payroll Direct Deposit can take up to 3 to 5 business days to your prepaid card account. Loading by transfer from another PaycardUSA payroll card will be made available to the prepaid card account upon 1 business day, usually at the time the transfer request is received and confirmed by PaycardUSA.