QuickCash MasterCard® Card Frequently Asked Questions

1. How does the QuickCash MasterCard® Card card work?
The QuickCash MasterCard® Card card is a prepaid, reloadable spending card; like a prepaid phone card or a store gift card that you can use everywhere MasterCard® is accepted. Because it's a prepaid card, your spending is limited to the amount of money transferred to your card. The purchases that you make with your QuickCash MasterCard® Card reduce your available balance.

2. Where can I use my QuickCash MasterCard® Card card?
You can use your QuickCash MasterCard® Card card to make purchases anywhere you see the MasterCard® logo at more than 16 million MasterCard® merchant locations worldwide. You can also use your QuickCash MasterCard® Card card to withdraw cash from any of over 500,000 participating ATM’s worldwide or to get cash when you make a purchase using your PIN at merchants where you see the Cirrus logo displayed.

3. Is the QuickCash MasterCard® Card card a credit card?
No. Your QuickCash MasterCard® Card card is actually a stored value card. While a stored value card looks similar to a credit card, QuickCash MasterCard® Card cardholders do not have a line of credit. You can only use the QuickCash MasterCard® Card card to access the amount loaded onto the card by you or your parents. However, to a merchant, the QuickCash MasterCard® Card card functions just like a credit card. Merchants process credit and check card authorizations and QuickCash MasterCard® Card card authorizations in the same manner.

4. Is the QuickCash MasterCard® Card card a check card?
Yes and no. The QuickCash MasterCard® Card card is similar to a check card in that the spending power is limited by the amount of funds loaded onto the card, and the available balance is debited with each transaction. However, unlike a check card, the QuickCash MasterCard® Card card does not access a bank account or require the cardholder to set up a banking relationship.

5. Why would I get the QuickCash MasterCard® Card card as an alternative to using my parents bank check card or a credit card?
The QuickCash MasterCard® Card card can be used as a budgeting tool for spending by you. With QuickCash MasterCard® Card, you and your parents can decide together or separately, the amount you spend and where you spend it. We encourage you to review your spending along with your parents, and together discuss how you can develop and maintain financial responsibility in your spending decisions. The QuickCash MasterCard® Card card is one of the most powerful and effective means to help you develop responsible spending behaviors.

6. Who can use the card?
The QuickCash MasterCard® Card card may only be used by the person in whose name the card is issued. You must be at least 16 years old to get a QuickCash MasterCard® Card card.

7. What are the differences between what my parent can do and what I can do?
Your parents can add money to your card from their debit card, check card, or bank account.
Your name is embossed on the card, and you may use it at MasterCard®'s 16 million merchant locations. You may add money to the account or designate your parents to add money to your account.

8. Whose name is embossed on the card?
The name of the cardholder will be embossed on the card.

9. Can a parent set up a second teen on the account?
Parents may establish separate accounts for each teen in their family. Each teen will receive his or her own account, with a unique card number. Parents will be able to add money and monitor each account separately.

10. How can I activate my card once I receive it?
You can activate your card by calling 1-877-252-4622 from your home telephone when you receive your card.

11. Do I sign an agreement?
Yes, All persons over 18 must sign an application and Agreement.
If you are under 18, your parents sign with you on the QuickCash MasterCard® Card program, they agree to the QuickCash MasterCard® Card Cardholder Agreement Terms and Conditions available on the QuickCash MasterCard® Card Web site and the written Terms and Conditions you will receive by mail with your card. A cardholder will be deemed to have accepted the Terms and Conditions by using the card. The parents will be deemed to have accepted the Terms and Conditions when they sign up the teen and fund the card. By accepting the Cardholder Agreement Terms and Conditions for the QuickCash MasterCard® Card card, you agree to receive and accept any notices concerning this product electronically. Should the method by which QuickCash communicates the Cardholder Agreement Terms and Conditions associated with this product to you change, specifically your e-mail address, you must notify QuickCash your new e-mail address. Log on as a Member at the QuickCash MasterCard® Card Web site and select My Profile/Edit to update your e-mail address. If you would like to receive a hard copy of the Terms and Conditions, please mail your request to:
QuickCash MasterCard® Card Cardholder Services
P.O. Box 880438
San Diego, 92168

12. What if I do not receive my card once I've ordered one?
Once you have ordered a QuickCash MasterCard® Card card, you should expect to receive it within 5-10 business days. You may expedite the receipt of your card by choosing 2-day delivery for an additional charge. However if you have not received your card in the specified time, call 1-888-449-4725 in order to determine the status of your card order.

13. Will I be charged a fee for using my QuickCash MasterCard® Card card at participating merchants?
No, you should not be charged a fee for using your QuickCash MasterCard® Card card by participating merchants.

14. Can I use my QuickCash MasterCard® Card card to make a purchase that is larger than the balance on my card?
No. You cannot access more than the available balance through your QuickCash MasterCard® Card card. However, if you know your available balance before you make a purchase, you can request to pay the balance of your purchase with cash, or if you are a teen, ask your parents to pay the balance of your purchase with cash, check, or a credit or check card. You can find out your available balance by logging into the QuickCash MasterCard® Card Web site and going to the Account History page.

15. How do I return an item, and when will the credit be applied to my card?
Always keep your receipts when you make a purchase with your QuickCash MasterCard® Card card. Should you need to return an item, return the purchased item to the merchant with your receipt. The merchant will process a credit back to your card for the value of the returned item. The credit should appear on your online statement within a week of the return.

16. How do I check the available balance on my QuickCash MasterCard® Card card?
To check your available balance, log on as a Member at the QuickCash MasterCard® Card Web site.

17. How can I track my spending?
You can track your spending in any of the following ways:
1) Log on as a Member at QuickCash MasterCard® Card Web site anytime to view your balance and all of your transactions for the past 12 months.
2) Call 1-877-252-4622 toll free anytime to listen to your balance and last 5 transactions. Only your last 5 transactions are available by telephone.

18. What are authorizations?
A merchant honoring a QuickCash MasterCard® Card card should first obtain an approval or "authorization" for the transaction. This is the amount that the merchant puts through against your account to validate that you have enough funds to make the purchase. In no event will a transaction be authorized in excess of the amount that is available on the QuickCash MasterCard® Card account. You should be aware that authorizations for certain transactions may be greater than the final purchase amount, and the amount of the authorization will be applied to your QuickCash MasterCard® Card card for seven days, or until the completed purchase transaction is posted. (See below)

19. What is the difference between authorized and completed ("posted") purchase transactions?
At the time you want to make a purchase, the merchant sends a request through the MasterCard® system to receive an approval, or authorization, that you have sufficient funds in your QuickCash MasterCard® Card account to make that entire purchase. At that time, a seven day hold is placed against your balance for the amount that the merchant requested, and that authorization transaction is shown on the QuickCash MasterCard® Card online transaction record.
After the merchant completes the transaction, the merchant sends the final amount through the system. Sometimes that final amount is different from the original authorized amount; for example, the tip may change the amount in restaurants, or shipping and handling charges may change the final amount in a mail or Internet order. We only post the final amount of the completed transaction sent by the merchant to your account. If at any time you do not have the funds available on your card to complete a purchase, you may pay for the difference in cash.

20. What is an Interlink or Cirrus merchant?
Typical Interlink or Cirrus merchants are grocery stores, gas stations, and large chain stores. You may select either "credit" or "debit" to complete this transaction. By selecting "credit," you will sign your receipt to complete your purchase. This will provide you all of MasterCard®'s protections, called chargeback rights, should you have a question about your purchase later. By selecting "debit," you will be asked to enter your PIN to complete your transaction. This will allow you to get cash back as part of the sale.

21. Can I use my QuickCash MasterCard® Card card to get cash back at Interlink or Cirrus merchants?
To get cash in addition to your purchases at Interlink or Cirrus merchants, press the "debit" button on the card terminal and enter your PIN. The store employee will ask if you would like cash back. You may only obtain up to $50 per day by using this function.

22. Can the card ever have a negative balance?
Any MasterCard® or Interlink authorization request that is greater than the cardholder's available balance will be declined. However, occasionally a MasterCard® merchant puts an item through without prior authorization. If the purchase exceeds the available balance, the cardholder's account will incur a negative balance. In these rare circumstances, where an overdraft occurs, you would be notified of the need to load more funds onto the card.
While this does not happen very often, it is important for the cardholder to keep track of their available balance to help avoid this situation. Should an overdraft occur on your card, a fee will be charged to your account.

23. Can I use my QuickCash MasterCard® Card card at an ATM?
Yes. You can use your QuickCash MasterCard® Card card, along with your PIN (personal identification number), to withdraw cash from any of the nearly 560,000 ATMs. Insert your card into the machine, enter your PIN, and press the cash withdrawal option. You will then be prompted to choose an account from which you want to withdraw funds, select credit card cash advance, enter the amount, and receive your cash.
If you use your QuickCash MasterCard® Card card to obtain cash from an ATM, you will be charged a fee of $1.30, in addition to the fee charged by the owner of the ATM. The owner must disclose the fee they charge for each ATM transaction before completing the transaction. You can decide to accept the fee and continue the transaction, or cancel the transaction. Note: The ATM fee imposed by the owner of the ATM machine is in addition to the ATM fee listed in the QuickCash MasterCard® Card Cardholder Agreement Terms and Conditions.

24. Is it safe to use my QuickCash MasterCard® Card card in an ATM machine?
Absolutely. The QuickCash MasterCard® Card card can only be used to access cash with the unique PIN assigned to each card. It's your secret code. It is important, however, to take normal precautions when visiting ATMs. To learn more about ATM safety, read the brochure included in your initial card package.

25. How do I load money onto my QuickCash MasterCard® Card card?
Come to any QuickCash location or you may mail your reload funds in the form of money order or cashiers check to:
QuickCash MasterCard® card
2810 Camino Del Rio. So. #200
San Diego, CA 92108
OR
You may arrange a Western Union Quick Collect money transfer. Please contact the QuickCash Customer Service desk at 888-449-4725 between 8:30 A.M. and 6:00 P.M. Pacific Time to arrange this transfer. Additional charges may apply.
If I come to a branch office to load my card, how long does it take for the money to be available for me to spend or withdraw?
After we receive the reload funds and enter them in our system, it takes about 3 minutes to be active in the entire system and available for use.

26. Can I use my QuickCash MasterCard® Card card after I have spent the balance?
No. The benefit of the QuickCash MasterCard® Card card is that you can only spend what is available on the card. In the case of Teens, parents should plan a budget and monitor spending together; this is an important part of the learning experience with QuickCash MasterCard® Card.

27. Are there limits on how much money I can have on my QuickCash MasterCard® Card card?
Yes. The maximum value that a card can have at any time is $5,000.

28. How do I close my account?
The first step is to remove all of the funds remaining on the card by making an ATM withdrawal or purchase goods or services in a merchant transaction. Once all funds have been depleted from your card account, contact QuickCash MasterCard® Card Cardholder Services at 1-888-449-4725, and request that the card account be closed.

29. How do I access my account information on the Internet?
Log on as a Member at www.qcmastercard.com. For your protection, anytime you visit the Site; you will be required to provide the username and password that you selected as part of your enrollment process.

30. Can I select my own PIN?
Yes. When you call to activate the card, you will be given a pre-selected PIN. You will be prompted to select your own PIN at that time. So be sure you are prepared, and think through a personal identification number that is easy to remember, but difficult for someone else to guess. Select a PIN other than your telephone number, birth date or other numbers that someone might be able to guess. For security purposes, never write the PIN on the card or on other items they carry with you.

31. What should I do if I forget my PIN?
If you forget your PIN, call Cardholder Services toll free at 1-888-449-4725 for assistance.

32. Can I change my PIN?
Yes. To change your PIN, call 1-888-449-4725 toll free. You can also change your PIN when you activate your card.

33. What should I do if my QuickCash MasterCard® Card card is lost, stolen, or damaged?
Either you or if you are a Teen, your parent should immediately report a lost, stolen, or damaged card by calling 1-877-252-4622. QuickCash MasterCard® Card Cardholder Services is available to assist you toll-free 24 hours a day, seven days a week. If you or your parent do not notify QuickCash MasterCard® Card Cardholder Services that your card is lost or stolen within a reasonable amount of time, the bank will not be responsible. See sections 'Loss, Theft or Unauthorized Use' and 'Service Charges' in the Cardholder Agreement Terms and Conditions for more information.

34. Who can order a replacement card? How long will it take to obtain a replacement card?
Only you, or if you are a Teen, your parents can order a replacement card. However, you can and should report a card lost or stolen as soon as you realize that the card has been misplaced or stolen. The replacement card should arrive 5-10 business days after we receive the request. Replacement card charges will apply. You may expedite the receipt of your card by choosing 2-day delivery for an additional charge. See section 'Service Charges' in the Cardholder Agreement Terms and Conditions for more information.

35. What should I do if I can't find my card?
If you can't find your card, call us to report the card lost at 1-877-252-4622. If you are sure you have lost your card or it is stolen, we will cancel it immediately. If you think you may have misplaced the card, and you will find it soon (like in your book bag, locker or jacket pocket), we can suspend your card so that no one can use the card and no charges can be authorized on your account. Your card will stay in the suspended status until it is cancelled and a new card ordered by you or your parent.

36. How do I communicate with you?
You can reach us 24 hours a day, 7 days a week, 365 days a year on toll free line at 1-877-252-4622. Any information that you need concerning your QuickCash MasterCard® Card card is available to you, including your available balance, the value of your last load, and any special offers for our QuickCash MasterCard® Card card customers. You can also use our secure e-mail form at Contact Us at www.qcmastercard.com.

37. May I let someone else use my QuickCash card?
Absolutely not. Keep your QuickCash MasterCard® Card, including the card account number, under your control at all times. And do not tell anyone your PIN!

38. Can a parent restrict use of my card?
Yes. If you are under 18 years old, your parent can temporarily suspend and reactivate your card. Your parent also has the ability to close the account and cancel the card.

39. How safe is my confidential information? Is my confidential information secure online?
Please refer to the QuickCash Privacy and Security policy available through our Web site. We provide protection to our online card members by taking several security measures to create a safe and reliable experience.
1. We keep your information on secure servers in our data center. These computers are not directly connected to or accessible by the Internet.
2. We establish a secure session with your computer before asking you to send confidential information over the Internet to the QuickCash MasterCard® Card Web site.
3. You must enter your username and password to gain access to our site. To protect your account information, we use firewalls that limit access to visitors who provide a valid username and password combination.
4. We encode or scramble data using 128-bit key Secure Socket Layer encryption before exchanging it between a cardholder and our database.

40. If I am under 18 years old, how do my parents prevent me from spending QuickCash MasterCard® Card at inappropriate places - especially online?
First, you should discuss the use of the QuickCash MasterCard® Card card with your parents. They should set the limits on what and where you can use the card, being sure to communicate their desires clearly to you. They will be able to monitor your spending online by viewing your Account History. It is then up to you and your parents to address any issues related to the use of the card.

41. What are my rights if I dispute a charge on my statement?
Federal law may limit your liability for unauthorized use, but it may not provide for no liability. Under the QuickCash policy, you may incur no liability for unauthorized use of your card provided you notify us within a reasonable time of the loss or theft of your card or its unauthorized use. Please refer to the Cardholder Agreements Terms and Conditions for additional information pertaining to your rights concerning unauthorized use of your card.

42. How much does the QuickCash MasterCard® Card card cost?
Please see your QuickCash MasterCard® Card representative and the Cardholder Agreement Terms and Conditions.