How can my payroll card be used?
The PayCard is like an electronic bank account, without the hassle or cost. You can use your payroll card to get cash at virtually any ATM, or at major Retailers (Wal-Mart, K-Mart, Target), and Grocery Stores through the "Cash-Back" feature. You can use the PayCard to purchase goods or services at millions of Retailers that accept MasterCard ®.
You can also use the PayCard to transfer funds to any other PayCard cardholder (including a relative in the US or Internationally).
How many payroll cards can I have?
Your Employer sets the limit for number of payroll cards - Elan Financial Services has a 3 card limit as long as the cards are being used for legitimate purposes.
How do I get additional paycards?
If you are still working for the Employer that gave you your PayCard, you will need to contact them. If you have left that employer, call PayCard Services toll-free at 1-877-755-1474.
Do I need a bank account?
No bank account is required to obtain a PayCard.
How much does the payroll card cost?
Generally, the PayCard has no monthly or annual fee, or cost for purchases or Cash-Back, or cost for Internet Balance Inquiries or Statements. For other services, check the payroll card price sheet provided at Enrollment.
I have a bank account, why do I want a payroll debit card?
Even if you have a bank account, a PayCard may be valuable. If you do not have your pay Direct Deposited into your account, the PayCard is more convenient and safer than being paid by check.
If you have students in college you help to support, getting them a PayCard for their money is a safe, inexpensive, and convenient way to send them their money. If you regularly transfer money to a relative Internationally, getting them a card and using it to transfer the money is far safer, more convenient, and less expensive than money transfer services.
If you share a checking or share draft account with another in your household and occasionally pay overdraft fees because you both used your debit cards or wrote checks, using the PayCard instead provides the safety and record-keeping of the Checking or share draft account without the risk of overdraft.
If you are looking for ways to budget your everyday expenses, putting money for them on the PayCard and the rest in your bank or credit union account is an inexpensive, safe way to manage your money.
How do I avoid ATM Surcharges?
Elan Financial Services owns and operates the MoneyPass ATM Network, which provides Surcharge-Free cash at thousands of convenient ATMs nationwide. For more information or to locate an ATM near you, go to www.MoneyPass.com.
How do I know how much money is on my payroll card?
You can find out your PayCard balance by checking at virtually any ATM, checking over the Internet at www.PayCardConnect.com, calling toll-free 1-877-755-1474 and using the automated Voice Response Unit, or calling PayCard Services at the same number and talking with a live operator. Your payroll card balance is also usually printed on the ATM receipt if you withdraw cash. Elan Financial Services also makes available a simple PayCard Register to help keep track of your transactions.
How can I see what transactions have occurred on my pay card?
You can view your transactions by checking over the Internet at www.PayCardConnect.com, calling toll-free 1-877-755-1474 and using the automated Voice Response Unit, or calling PayCard Services at the same number and talking with a live operator.
Do I get a Statement?
Yes, a Statement is generated for every PayCard. You can customize the Statement dates covered yourself. The Statement is available for viewing and printing over the Internet at www.PayCardConnect.com or can be obtained via phone at a small cost.
How do I know if I got my pay, and how much? What do I do if the amount is wrong?
Usually, your Employer will provide your pay information. In addition, you can check your balance at practically any ATM, and both your balance and recent deposits over the Internet at www.PayCardConnect.com or by calling PayCard Services toll-free at 1-877-755-1474. If your pay amount is incorrect or if your pay is not on the card, you should contact your Employer immediately.
How much can I spend or withdraw?
For your safety, Elan Financial Services limits ATM Withdrawals to $1,000 per day and purchases (including Cash-Back) to $2500 per day.
For ATMs, the owner of the ATM controls how much cash can be taken at one time - usually $300-$500. For Cash-Back, the store owner determines how much Cash-Back they will allow. Most major discount retailers (Wal-Mart, K-Mart, Target) allow up to $100 back at a time.
If you will need to access more than these limits for a special occasion, please call PayCard Services at 1-877-755-1474.
Is there a minimum amount I must withdraw on my payroll debit card?
No - as long as there is a positive balance, you may use the PayCard. You should note the amount of any fees, however, to make sure you do not overdraw the payroll debit card.
What happens if I lose my prepaid debit card or if it is stolen?
You should call PayCard Services immediately at 1-877-755-1474. Arrangements will be made for your card to be replaced, along with any funds that were on the card.
What do I do if my card does not work?
If your card is not working, call PayCard Services toll-free at 1-877-755-1474. You should note to keep the magnetic stripe (the black stripe on the back of the PayCard) away from any magnets - for instance, the PayCard should not be carried in a magnetic money clip.
How do I know my money is safe?
Elan Financial Services is a fully comprehensive, in-house provider of transaction management solutions with nearly 40 years of industry experience. This full-range business represents the significant merger of institutions, resources, and capabilities, along with key contributions that drove the growth of the payment services industries.
What do I do if an incorrect purchase is on my payroll card?
You should first contact the retailer to resolve the issue. If it is not your purchase, call payroll card services immediately at 1-877-755-1474.
What do I do if I lose or forget my PIN, or someone unauthorized has access to it?
A PIN is important, as it is the safeguard to your account at the ATM and PIN-accepting retailer. PINs should be stored safely away from your card and not shared with anyone. If you do lose or forget your PIN, or if someone not authorized by you has access to it, call PayCard Services immediately at 1-877-755-1474.
Why do I need my Password?
Your password is the security that protects unauthorized access to your PayCard through the telephone and Internet. You need it to obtain information on your PayCard through either source.
I left my Employer. Can I still use my PayCard?
Most Employers allow their Employees to transfer their PayCards to new Employers. Your new Employer does not need to be an Elan Financial Services customer - all they need to do is offer Direct Deposit. To register your PayCard with your new Employer, all you would need to do is give your new Employer your Card Number and the Bank Transit Routing Number (ABA Number) seen on the upper right hand corner of the back of your PayCard.
The PayCard is issued by Elan Financial Services. MasterCard is a registered trademark of MasterCard International Incorporated. Used pursuant to license. Card is available to U.S. residents only. Prepaid debit card approval is subject to identity verification.