Mastercard® Reloadable Prepaid Cards Tips, Info & FAQs
A prepaid card that can be loaded or reloaded with a specific amount of funds
If you’d prefer not to open a checking account, but want a safer solution than cash, try our Reloadable Prepaid Mastercard. Choose an amount to add on the card, and then shop anywhere Mastercard is accepted, including online. There’s no minimum balance or credit check required.
3 Reasons It Pays to Have a Budget
To many, a budget can seem like a huge hassle. It’s tedious to keep track of everything, and restrictive to limit your expenses. However, in the long run, a carefully-considered budget is essential to your financial health. Here’s why:
1. You’ll know where your money is going
Ever looked at your bank account and wondered, where did all the money go? A budget answers that exact question. You’ll know what you are spending too much on, whether it’s takeout or a hefty air conditioning bill. Having that knowledge helps you reduce your spending in the future.
2. You can reduce (or avoid) debt
Because of aggressive interest rates, debt tends to spread like a disease. If you don’t “cure it”, it will eventually become crushing. Budgeting gives you the cash you need to settle loans and make payments so you don’t accrue endless interest.
3. You can set finance goals
Most finance goals with substantial payoffs depend on your savings. If you want to pay for college tuition, buy a house, or build an emergency fund, then you need to budget. By saving here and there, you’ll find that you’ll steadily accumulate significant amounts of cash.
Where can I use the card?
Your card may be used anywhere debit cards are accepted. 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.
How do I use the card?
At point-of-sale, use your card as a signature or PIN based transaction. If you use the PIN option at point-of-sale, there will be a $.50 transaction fee assessed to your card. You may also use your card at ATMs or financial institutions to obtain cash. All of these options are subject to transaction fees. Please see your Terms and Conditions for a listing of the associated fees.
How do I set up the PIN?
You may set up your PIN by contacting customer service by calling the phone number provided on the back of your card. Please note that the use of your PIN may not be available immediately after it is established through customer service. If you have trouble using your PIN, you may have setup your phone pass code but not your PIN. Call back to customer service to verify you have setup your PIN correctly.
Is there a limit to the number of times I can reload this card each day?
Yes, you are limited to two reloads per day.
Is there a limit to the total number of times I can reload this card?
Your initial, instant issue card can only be reloaded once. After that, you will receive a personalized card from us to use for future reloads. You have unlimited reloads on your personalized card.
Where can I get my balance information?
Visit www.myprepaidbalance.com or call 1-866-496-6183.
Do you have limits on the amount I can load to the card?
Yes, you may load any amount between $20 and $3,000.
What is the phone pass code?
When calling customer service by dialing the phone number provided on the back of your card, you will be prompted to setup a phone pass code. This is a security code that is requested to help verify your identity should you call back into the automated system.
What if I forget my PIN?
You can reset your PIN by contacting customer service by calling the phone number provided on the back of your card. You will need to speak with a live agent who will ask you questions to verify your identity and then reset your PIN.
How do I change the PIN?
You may change your PIN by contacting customer service by calling the phone number provided on the back of your card. Listen to the automated system to change your PIN.
How do I get cash from my card?
You may obtain cash from your card at any ATM location associated with the brand mark that is displayed on your card. When doing so, please withdraw cash by selecting “checking”. You may also use your card as a PIN based point-of-sale transaction which will allow you to get cash back at some merchants. Or you may visit a financial institution and do an over-the-counter cash withdrawal. All of these options are subject to transaction fees. Please reference your Terms and Conditions for the associated fees.
What is the daily ATM or cash advance limit?
You may obtain cash from an ATM for up to $500 or 3 withdrawals per day, or through a cash advance for up to $500 or 3 withdrawals per day. The total daily cash access limit is $1,000 per day via ATM and cash advance.
How can I add funds to my card?
You may add funds to your card by visiting a United Texas branch location. Your card has unlimited reloading capability over the life of the card and you can reload your card up to two times daily. Direct deposit is also an option. For more information on this feature please contact us.
What happens if my card is declined at the point-of-sale?
The merchant may have attempted to process the purchase for a greater amount than what is available on the card. If this happens, you should ask the merchant to run a “split-tender” transaction which will allow you to pay a portion of your purchase with your card and the remaining balance with another form of payment.
What is a split-tender transaction and how does it work?
If you wish to use your Reloadable Card to purchase an item for more than the available funds, depending on the Merchant’s policy, you may be able to use your Reloadable Card toward a portion of the final purchase price, and then use another form of payment to pay the remaining balance. This is called a “split-tender” transaction because you would be splitting the final transaction amount between your Reloadable Card and another form of payment. Before you request a “split-tender” transaction, you will need to know your card value. Then, you must ask the Merchant if two forms of payment will be accepted. If the Merchant agrees, request that the Reloadable Card value be used as the first form of payment, and then use another form of funds to pay the remaining balance. Some retailers will only allow a “split-tender” transaction if the second form of payment is cash or check. Online and most mail order merchants do not permit “split-tender” transactions. We do not guarantee that the Merchant will accept two forms of payment, such as two prepaid cards.
Can I still make a payment if I don't have enough funds on my card?
Since this is a prepaid card, you may only use the amount of funds you have available on your card. If you create a negative balance on your card, you are responsible for the negative balance. Some merchants can run a split-tender transaction which will allow you to pay a portion of your purchase with your card and the remaining balance with another form of payment.
Can I use my card at restaurants?
Yes, you may use your Reloadable Card at a restaurant the same as you do at any other merchant. However, it is common for service-oriented merchants to automatically factor in an additional percentage (often times, up to 20% over the purchase price) to cover any gratuity you may leave on the card. You should ensure that your Reloadable Card has an available balance that is 20% greater than your total bill.
How do I use my card at hotels and car rental agencies?
Like restaurants and other service-oriented merchants, companies associated with travel services may automatically factor in an additional percentage to cover incidental charges that you might incur. Each entity varies in the amount they are able to over-authorize. To prevent a decline, we advise you to check with the company to determine their policy for over-authorizing.
Can I use my card at "pay at the pump" gas stations?
Your card can be used at automatic fuel dispensers. However, an authorization of $75 for MasterCard will be authorized to your account. This authorization may not be removed from your account for several days. To prevent a potential over-authorization, we suggest that you pay for your gas in the service station.
Can I use the card in a foreign country?
Yes, your card will be accepted worldwide excluding current OFAC sanctioned or prohibited countries. You can find the list of current countries that are sanctioned/prohibited at the website www.myprepaidbalance.com/prohibitedcountries.
How do I get a list of my balance or transactions?
You may obtain your current balance or a list of all your transactions through www.myprepaidbalance.com or by calling customer service at the phone number provided on the back of your card. In order to receive your transaction history online, you must first create a profile and add the Reloadable card to your profile. Please note that the website will not display pending authorizations, but only completed transactions.
What if my card is lost or stolen?
If your card has been lost or stolen, contact customer service by calling the phone number provided on the back of your card. We recommend that you keep the phone number in a safe place for future reference. You will be able to speak to a live agent and obtain a replacement card. There will be a $5.00 fee assessed to your card balance to replace your card.
What can I do if there is fraud on my card?
If you notice transactions on your account that you have not made, contact customer service immediately by calling the phone number provided on the back of your card. They will follow normal dispute processes to investigate the fraudulent transactions.
What is the minimum age to purchase a Reloadable Card?
You must be 18 years or older and have a United Texas Savings Account to purchase a Prepaid Reloadable Card.
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Mastercard® Reloadable Prepaid Cards Why United Texas
- No monthly fees if you use direct deposit
- No overdraft fees
- Unlimited reloads
- Use anywhere Mastercard is accepted
- The perfect way to stick to a budget
Awesome customer service. Great rates. Reliable bank and people. I won't bank anywhere else.James R., member since 2012
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Mastercard® Reloadable Prepaid Cards How it Works
Purchasing a Reloadable Prepaid Mastercard with United Texas is fast, safe, and simple.
You must be at least 18 years old to purchase a prepaid card.
If you are not already a member of our credit union, sign up today. All you need to do is open a $5.00 minimum savings account.
Head into one of our branches, where you’ll be able to purchase a prepaid card. The card costs just $5.50 and it can be used practically anywhere.
Reload the card as many times as you’d like, up to twice a day. It costs $4.95 to reload.