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Features and Fees What is an AFSCME Advantage Card Account? It works like a checking account but without the worry of costly overdraft or bounce check fees. Since you can only spend the money you have in your card account you will never fall into debt. You never have to worry about finance charges, late fees, or over-limit fees! Your money is FDIC insured and you're protected from unauthorized purchases with the MasterCard Zero Liability** policy. Have your paycheck or government issued benefits check conveniently Directly Deposited to your prepaid card account for free and save yourself $100's of dollars in check cashing fees, cash loading fees, and monthly fees when compared to adding cash to your prepaid card account at a retail location. Once your money is deposited to your AFSCME Advantage card account you can: 1. Make purchases at millions of locations everywhere MasterCard debit is accepted Direct Deposit – There are many ways to add cash to your AFSCME Advantage Prepaid MasterCard. A convenient and very easy way to add money is to use direct deposit. When you receive your card in the mail, be sure to complete the direct deposit form and give it to your payroll department. You can save $2.50 per month when you receive a direct deposit to your card account. Adding Cash at the Store – Adding cash to your AFSCME Advantage Prepaid MasterCard is simple and convenient. Go to any MoneyPak® retailer to get your MoneyPak. Using the MoneyPak to load cash onto your card is easy. 1. Go to a MoneyPak retailer near you (click here to find a retailer) 2. Purchase a MoneyPak for up to $4.95 3. Call the number on the package to apply the money to your card. The cash will be immediately applied to your card. Using Your Card –The AFSCME Advantage Prepaid MasterCard is accepted at millions of locations worldwide. What does that mean to you? You can make purchases at retailers, over the Internet, over the telephone, and from catalogs. You can use it to make reservations for hotels, rental cars and much more. At the Store – When making purchases at the store, simply hand the merchant your card, sign for your purchase and there is no fee. Debit at the Grocery Store - If you choose Debit you will be asked to enter your PIN at the checkout stand. Based on the stores policy you may be able to get cash over the purchase amount when selecting Debit at the checkout stand. There is a small $0.50 fee for PIN based transactions. Remember purchases where you don’t enter your PIN are free. Over the Internet – You may use your AFSCME Advantage Prepaid MasterCard when making purchases over the Internet. You may be asked to enter your address as well as the CVV number (3 digit number that is on the back of the card). Making Reservations – You can use the AFSCME Advantage Prepaid MasterCard to make reservations for hotels, rental cars, and restaurants. Depending on the reservation, the merchant may require more funds on the card than are required for the reservation. Getting Cash - You can get cash from your AFSCME Advantage Prepaid MasterCard at the store or at an ATM. Cash at the Store – When checking out at the register, choose Debit and ask for CASH BACK. It’s easy and a great way to get cash. It’s only $0.50 per transaction. Cash at an ATM – You can get up to $500 per day at any ATM displaying the MasterCard, Maestro, or Cirrus logos. That's over 1,000,000 ATM's worldwide. There is a fee of $1.00 per transaction plus any fee charged by the owner of the ATM machine. Can I close my prepaid account and withdraw my money? FEES The AFSCME Advantage Prepaid Card Account is the best prepaid card account available today! Check out the LOW LOW FEES and all the FREE services you get with your card account. We want to provide you with the best prepaid card account available at the lowest possible fees so you can take advantage and benefit from the power of plastic.
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