Frequently Asked Questions
You must be 18 years or older and have a United Texas Savings Account to purchase a Prepaid Reloadable Card.
At a merchant or store, you can use your card with either a signature or PIN-based transaction. There is a daily spend limit of $2,500 for signature transactions and another $2,500 daily limit for PIN transactions.
For cash withdrawals, you can also use your card at ATMs or financial institutions. If you are purchasing online or over the phone, make sure the billing address you provide matches the one registered to your card.
All of these options are subject to transaction fees. Please see your Terms and Conditions for a listing of the associated fees.
Your card may be used anywhere debit cards are accepted worldwide. The brand marks on your card indicate where the card is accepted and typically will be displayed on the merchant’s store front or on the ATM machines. Your card can also be used for online and telephone purchases.
Yes, but keep in mind many service-oriented merchants automatically factor in an additional percentage to cover any gratuity you may leave or incidental charge you may incur.
When using your card at restaurants, it’s best to have an available balance that is 20 percent greater than your bill, and when using your card at hotels and car-rental agencies, check with the merchant to find out how much, if any, they over-authorize their transactions.
Your card may be used anywhere Mastercard is accepted. You can use your card at restaurants, hotels and rental car agencies, but keep in mind that many service-oriented merchants automatically factor in an additional percentage to cover any gratuity you may leave or incidental charge you may incur. (new paragraph) You can use your card at pay at the pump gas stations, but an authorization of at least $75 may be held on your account. This authorization may not be removed from your account for several days. To avoid this over-authorization, simply pay for your gas inside the service station.
Yes, however, an authorization of at least $75 may be held on your account. This authorization may not be removed from your account for several days. To avoid this over-authorization, simply pay for your gas inside the service station.
Simply call the customer service number on the back of your card to set your PIN. Keep in mind, it may take a little time for our system to register your new number. If you have trouble using your PIN, you may have to set up your phone passcode, rather than your PIN. Call back to customer service to make sure your PIN was set correctly. To change your PIN, call the customer service number on the back of your card and the automated system will provide easy instructions. To reset your PIN, call the customer service number on the back of your card. You will need to speak with a live agent who will ask a few questions to verify your identity and walk you through resetting your PIN.
You can withdraw cash from terminals carrying the Mastercard brand mark. All you need to do is select “Checking” from the withdrawal options.
Some merchants also offer cashback at the point of sale – you can use your PIN to take advantage of this option. Or if your bank or credit union of choice is nearby, feel free to withdraw cash there.
All of these options are subject to transaction fees. Please reference your Terms and Conditions for the associated fees.
You can get up to $500 or three withdrawals per day from an ATM or over-the-counter transaction. Also, the total daily cash access limit is $1,000 per day via either method.
You can get your card balance and a list of all your transactions by logging into MyPrepaidBalance.com or by calling the customer service phone number on the back of your card.
Yes, your card can be used domestically or internationally*. Your card will be accepted worldwide, excluding current OFAC-sanctioned or prohibited countries. The official list of these countries can be found at MyPrepaidBalance.com/ProhibitedCountries.
*Foreign transaction fees apply – see Cardholder Agreement for details.
The purchase fee is $5.50 per card. There are also a few other fees to keep in mind. Take a look at the Terms and Conditions that you received with your card for the associated fees. If you have any questions about fees, feel free to call the customer service number on the back of your card.
Yes, it’s possible but only if the merchant allows split-tender transactions (see “What is a split-tender transaction and how does it work?”)
Sometimes your purchase is for a greater amount than what’s on your card. And since you can only spend what you load, you will need to split the payment across multiple methods.
Depending on the merchant’s policy, you can request a split-tender transaction – just use an additional card or alternative payment method to cover the remaining cost of the purchase beyond your card’s balance. Keep in mind, some merchants may only allow you to do this if the second method of payment is cash or a check.
Also, online and most mail-order merchants do not permit split-tender transactions. There is no guarantee that every merchant will accept two forms of payment, such as two prepaid cards.
These transactions are reflected in your available balance but won’t be finalized until posted by the merchant. The amount listed may not be the actual final amount.
When making a purchase in-person, the merchant may have attempted to process the purchase for a greater amount than what is available on the card. If this happens, ask the merchant to split the payment across multiple methods.
You can only spend what you load on your card – any amounts beyond that will cause a decline. You also may have selected “gift” instead of “credit” or “debit” to run the transaction (see “How do I use my card?”).
If your card has been lost or stolen*, call 1-866-496-6183. A live agent will walk you through obtaining a replacement card. Keep in mind, there will be a $5 fee assessed to your card balance to replace your card. It may take up to 10 business days to receive your replacement card. If you notice transactions on your account that you have not made, call the customer service number on the back of your card immediately. A live agent will follow a standard dispute process to investigate the fraudulent transactions and help remedy the situation. *Cards are insured.
To reload by credit card, in your MyPrepaidBalance.com account, select “Add Money” by “Reload with Credit Card”. The billing address on your debit or credit funding card must match the registered address of your prepaid card. You may load any amount between $20 and $3,000.
