Consumer Action Prepaid Credit Card Survey - 2012€¦ · you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions

AbouttheSurvey

Page1of2

AboutThisSurvey ConsumerAc8on’s2012PrepaidCardSurveywasconductedJan.16‐March22byAlegraHoward.ThesurveywascoordinatedandsupervisedbyRuthSusswein.Note:YouareprohibitedfromusingConsumerAc8on’snameoranyreferencetoitssurveysinadver8singorforanyothercommercialpurpose.

®2012ConsumerAc8on

KeytoSurvey

Thecompanythatissuesthecard.Thenameofthecard.WhereConsumerAc8onfoundtheinforma8onpresentedinthisreport.

Card'sTermsandCondi7ons Thecontractgoverningthecardholder'suseofthecard.Themainwebsiteoftheissuer.Theissuer'stelephonenumber.Whereyoucanbuyand/orusethecard.

FDICINSURED? TheFDIC–shortfortheFederalDepositInsuranceCorpora8on–isanindependentagencyoftheUnitedStatesgovernment.TheFDICprotectsdepositorsofinsuredbankslocatedintheUnitedStatesagainstthelossoftheirdepositsifaninsuredbankfails.

FRAUDPROTECTION? Howtheissuerprotectsyouagainstunauthorizeduseofthecard.ERRORRESOLUTION? Yourrightstodisputeanerroronyouraccount.TemporaryCard Offtheshelfcardsarecalled“temporary”cardsbecauseyoueitherusethemupor

converttheaccountintoapermanentpersonalizedcardthatyoucanreloadwithfundsagainandagain.Thesmallestbalanceallowedonthecard.Thelargestamountyoucanhave(orload)onthecardatone8me.Onceyouriden8tyhasbeenverified,apersonalizedcardwillbemailedtoyouandyoucanloadfundsonit.Thesmallestbalanceallowedonthecard.Thelargestamountyoucanhave(orload)onthecardatone8me.Thissec8onexplainshowyouusethecard.Anyrestric8onsontheuseofthecard.Howyoudepositfunds(loadorreload)thecard.Willyourcredithistoryhavetobeverifiedbeforeyoucangetacard.Areyourequiredtohaveabankaccountbeforeyoucangetacard.Anyaddi8onalrequirementsonthecard.Canyoucandesignatethecardtoreceivedirectdepositsfromyouremployerorgovernmentbenefits?Anyspecialadd‐onstothecard.Thissec8onexplainsthefeesonthecard.Thefeetobuyorac8vatethecard.Thefeetodepositmoney(loadorreload)onthecard.Thefeetowithdrawcash,atanATMmachineorelsewhere.Thefeeforareplacementoraddi8onalcard.Thefeetohaveincomedirectdepositedonthecard.Afeeonsomecardsthatischargedmonthlyjusttohavethecard.Afeechargedevery8meyoumakeatransac8on.Afeetocallcustomerservice.AfeetocheckyourbalanceatanATMmachine.Afeechargedwhenyouusethecardtomakepurchaseswithaforeign‐basedvendoronlineorinpersonwhenyouareinanothercountry.Anyotherinforma8onthatmaybeapplicable.Howyoucancheckyourcard'sbalanceonlineandmonitoryouraccount.Ifyoucanreceivetextmessagestoletyouknowyourbalance.Ifyoucanreceiveemailortextalertswhenyourbalanceislow.Waystousethecardinamorecosteffec8vemannerbyavoidingfees.

MinimumLoadMaximumBalance

Consumer Action Prepaid Credit Card Survey - 2012

OtherMANAGINGYOURCARDONLINEText to check balance?Low balance email/text alerts?

HOWTOAVOIDFEES

MonthlyMaintenanceFeeTransac7on

CustomerServiceBalanceInquiry

ForeignCurrencyConversionFee

NAMEOFCARDISSUERNAMEOFCARDURLSOURCEOFCARDINFO

FEES:Ini7alPurchase/Ac7va7on

ReloadWithdrawal

Lost,StolenorAddi7onalCardDirectDeposit

ReloadProcessCreditcheckrequired?Bankaccountrequired?RequirementsDirectDeposit

UPGRADES

PersonalizedCard

MinimumLoadMaximumBalance

USEOFCARDCARDRESTRICTIONS

URLofISSUERISSUERPHONECARDAVAILABILITY(STATES)

Consumer ActionPrepaid Card Survey - 2012Page 1 of 109

AbouttheSurvey

Page2of2

Howisyourpersonalinforma8onprotected,ornotprotected.Theissuer'spolicyonhowittreatsyourpersonalinforma8onforbusiness,marke8ngandotherpurposes.

PRIVACYNOTICECONFIDENTIALITY


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Consumer Action Prepaid Card Survey - 2012 Page 3 of 109

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Your deposits are FDIC insured up to $250,000.

Yes. If you believe your Card has been lost or stolen, or that someone has

transferred or may transfer money from your Card Account without your

permission, call 877-984-7465. Under Visa U.S.A. Inc. Operating

Regulations, your liability for unauthorized Visa debit transactions on your

Card Account is $0.00 if you notify issuer within two (2) business days and

you are not grossly negligent or fraudulent in the handling of your Card. This

reduced liability does not apply to PIN transactions not processed by Visa or

ATM cash withdrawals. If you notify issuer within two (2) business days of

any unauthorized transactions, you can lose no more than $50.00 if someone

used your Card without your permission. If you do not notify issuer within

two (2) business days after you learn of the loss or theft of your Card and

issuer can prove that we could have stopped someone from using your Card

without your permission if you had promptly notified us, you could lose as

much as $500.00.

Yes. In case of errors or questions about your electronic transactions, call

877-984-7465 or write us at AccountNow Customer Service, P.O. Box 1966,

San Ramon, CA 94583, Attention: Disputes as soon as you can, if you think

an error has occurred in your Card Account. We must allow you to report an

error until sixty (60) days after the earlier of the date you electronically

access your Card Account, if the error could be viewed in your electronic

history, or the date we sent the FIRST written history on which the error

appeared. You may request a written history of your transactions at any time

by calling us at 877-984-7465 or writing us at AccountNow Customer

Service, P.O. Box 1966, San Ramon, CA 94583.

You will need to disclose:

1. Your name and Card Account number.

2. Why you believe there is an error, and the dollar amount involved.

3. Approximately when the error took place.

If you tell issuer orally, they will require that you send your complaint or

question in writing within ten (10) business days.

They will determine whether an error occurred within ten (10) business days

after hearing from you and will correct any error promptly. They may need

up to forty-five (45) days to investigate your complaint or question.

Consumer Action Pre-Paid Credit Card Survey - 2012

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San Ramon, CA 94583, Attention: Disputes as soon as you can, if you think

an error has occurred in your Card Account. We must allow you to report an

error until sixty (60) days after the earlier of the date you electronically

access your Card Account, if the error could be viewed in your electronic

history, or the date we sent the FIRST written history on which the error

appeared. You may request a written history of your transactions at any time

by calling us at 877-984-7465 or writing us at AccountNow Customer

Service, P.O. Box 1966, San Ramon, CA 94583.

You will need to disclose:

1. Your name and Card Account number.

2. Why you believe there is an error, and the dollar amount involved.

3. Approximately when the error took place.

If you tell issuer orally, they will require that you send your complaint or

question in writing within ten (10) business days.

They will determine whether an error occurred within ten (10) business days

after hearing from you and will correct any error promptly. They may need

up to forty-five (45) days to investigate your complaint or question.

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transferred or may transfer money from your Card Account without your

permission, call 877-984-7465. Under Visa U.S.A. Inc. Operating

Regulations, your liability for unauthorized Visa debit transactions on your

Card Account is $0.00 if you notify issuer within two (2) business days and

you are not grossly negligent or fraudulent in the handling of your Card. This

reduced liability does not apply to PIN transactions not processed by Visa or

ATM cash withdrawals. If you notify issuer within two (2) business days of

any unauthorized transactions, you can lose no more than $50.00 if someone

used your Card without your permission. If you do not notify issuer within

two (2) business days after you learn of the loss or theft of your Card and

issuer can prove that we could have stopped someone from using your Card

without your permission if you had promptly notified us, you could lose as

much as $500.00.

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Card holder is not liable for fraudulent purchases. If your Card is lost or stolen,

contact Customer Service. You will be required to provide your name, address, Card

number, CID and other details for identification purposes. You agree to provide all

information and assistance reasonably requested in order to timely make a complete

investigation of the loss or theft, and issuer reserves the right to investigate the loss

or theft. If your Card is lost or stolen, you will be issued a replacement Card with a

value equal to the Available Funds on your Card at the time you notified issuer of the

loss or theft. Purchase Protection also available.

+,!%06+,81%62%83,4%/926 www.bluebirdmoney.com

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93E1%62%83,4 American Express Bluebird

Call the Customer Service Number or write American Express, PO Box 30383, Salt

Lake City, UT 84130 as soon as you can if you think your Online Transaction History or

receipt is wrong, if you believe that an unauthorized transaction has occurred or if you

need more information about a particular transaction. In the case of queries regarding

Online Transaction History, AmEx must hear from you no later than sixty (60) days

after the earlier of (i) the date you electronically access your Online Transaction

History, if the error could be viewed there, or (ii) the date the FIRST written history on

which the error appeared was sent. You may request a 60-day written history of your

transactions at any time by calling the Customer Service Number or writing us at

American Express, PO Box 30383, Salt Lake City, UT 84130. If you are delayed in

contacting AmEx due to extenuating circumstances (such as a hospital stay or

personal accident), we may extend this sixty (60) days for a reasonable time. AmEx

will determine whether an error or unauthorized transaction occurred within 10

business days after they hear from you and will correct any error or unauthorized

transaction promptly. AmEx may take up to 45 days to investigate your complaint or

question. AmEx will credit your account within 10 business days for the amount you

think is in error or relates to an unauthorized transaction, so that you will have the

money during the time it takes us to complete their investigation.

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anywhere outside the United States.


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vanity=americanexpress.com/prepaidprivacy&vgnextoid=54901ee53713d210VgnVCM

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If your Card is lost or stolen, contact Customer Service at 888-872-9105 (International Collect

80849-2261) immediately. You will be required to provide your name, address, Card number

and other details for identification purposes. Upon your report to us of loss or theft, your Card

will be suspended and no further transactions or purchases with the Card will be permitted. A

replacement Card will be issued to you with a value equal to the Available Funds on the Card

at the time you notified us of the loss or theft. You will be required to activate the

replacement Card before use.

You are not liable for fraudulent transactions or purchases with the Card. If you believe that

an unauthorized transaction has occurred after your Card was lost or stolen, please follow the

instructions described in the section entitled “Errors or Questions About Transactions Related

to the Card.” You agree to provide us all information and assistance reasonably requested to

make a complete investigation and determination with respect to the loss or theft, or the

occurrence of any fraudulent transactions or purchases on, your Card, and we reserve the

right to complete such investigation.

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purchased at Target. Your personalized Card must be activated upon receipt, either by calling

the toll-free number provided on the activation sticker adhered to your personalized Card or

by visiting americanexpress.com/activate-target. Upon activation of your personalized Card,

the balance on the Card initially purchased at Target will be transferred to your personalized

Card and the Card Initially purchased at Target will be deactivated.

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American Express Prepaid Card

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57;1%92%47,3 American Express Prepaid Card

You are not liable for fraudulent purchases. If your Card is lost or stolen, contact us

immediately at the Customer Service Number. You will be required to provide your

name, address, Card number, CID and other details for identification purposes. You

agree to provide us all information and assistance reasonably requested in order to

timely make a complete investigation of the loss or theft, and we reserve the right to

investigate the loss or theft. If your Card is lost or stolen, we will issue you a

replacement Card with a value equal to the Available Funds on your Card at the time

you notified us of the loss or theft. If you believe that an unauthorized transaction has

occurred after your Card was lost or stolen, please follow the instructions described in

the section entitled "Errors or Questions about Transactions related to the Card."

+,!%09+,41%92%47,3%/529 https://www212.americanexpress.com/dsmlive/dsm/dom/us/en/personal/cardmembe

r/additionalproductsandservices/giftcardsandtravelerscheques/gpr_howitworks.do?vgn

extoid=d22b9484214ec210VgnVCM100000defaad94RCRD&vgnextchannel=95ddb81e

8482a110VgnVCM100000defaad94RCRD&appInstanceName=default&name=gpr_howi

tworks&type=intbenefitdetail

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ment.do?vgnextoid=0b52457192b2d210VgnVCM100000defaad94RCRD&vgnextchann

el=95ddb81e8482a110VgnVCM100000defaad94RCRD&appInstanceName=default&na

me=gpr_cardmemberagreement&type=intbenefitdetail

https://www.americanexpress.com/

/00+1,%8E951 233401545651

47,3%7F7/!7G/!/:H%I0:7:10J The American Express Prepaid Card is not available for sale in Arkansas and Vermont.

Cards purchased by residents in other states cannot be shipped to these two states.

No


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Call us at the Customer Service Number or write us at American Express, PO Box

30383, Salt Lake City, UT 84130 as soon as you can if you think your Online

Transaction History or receipt is wrong, if you believe that an unauthorized transaction

has occurred or if you need more information about a particular transaction. In the

case of queries regarding Online Transaction History, we must hear from you no later

than sixty (60) days after the earlier of (i) the date you electronically access your

Online Transaction History, if the error could be viewed there, or (ii) the date we sent

the FIRST written history on which the error appeared. You may request a 60-day

written history of your transactions at any time by calling us at the Customer Service

Number or writing us at American Express, PO Box 30383, Salt Lake City, UT 84130. f

you are delayed in contacting us due to extenuating circumstances (such as a hospital

stay or personal accident), we may extend this sixty (60) days for a reasonable time.

The American Express Prepaid Card is accepted virtually everywhere American

Express Cards are accepted worldwide.

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The Bank Freedom Prepaid MasterCard

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URL of ISSUER

FRAUD PROTECTION?


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FDIC INSURED?

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Cardholder Agreement/Terms and

Conditions

NAME OF CARD The Bank Freedom Prepaid MasterCard

CARD AVAILABILITY (STATES) All 50

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URL SOURCE OF CARD INFO http://www.bankfreedom.com/index.html


http://www.bankfreedom.com/terms&conditions.html

NAME OF CARD ISSUER !"#$%&'()*+$%&',



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3BAD=ECA!=?8=!@


Capital One Prepaid MasterCard

!"#$%&%'(%)

Last updated: *"+,-%../%.0&.

URL of ISSUER

FDIC INSURED?

FRAUD PROTECTION?

ISSUER PHONE 122345.3625.%'+%100347)300.4%8*39%1%":%3%6%;:<%%'+%11131443..24


CARD AVAILABILITY (STATES) Yes

NAME OF CARD ISSUER !"#$%"&'()*'+"),NAME OF CARD Capital One Prepaid MasterCard

URL SOURCE OF CARD INFO http://www.capitalone.com/prepaid-cards/

https://www.capitalone.com/

!"-./0&.*-'12-**3*)%45*-36'").'

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https://secure3.galileoprocessing.com/acct/getContent.php?nm=MDAxNvrD0g5v820zz7qC0JrZSMwK&ls=cap1

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ERROR RESOLUTION?

Personalized Card

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USE OF CARD

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CARD RESTRICTIONS

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@',"Q'L%"LK%M+"L>($+%(ALK>%(+':%"%I"LN%",,'ALM%'L@GL$

Credit check required? D'

Bank account required? D'

Bill Pay F@$,M+'LG,%[G@@%!"H%3%U0b%!";$+%[G@@%!"H%3%UR64%;$+%M+"L>",Q'L

Requirements ^-$L%H'A%';$L%"L%",,'ALM%8GL,@AKGL#%"%;+$;"GK%,"+K%",,'ALM</%H'A%SG@@%I$%">N$K%('+%H'A+%L":$/%"KK+$>>/%K"M$%'(%IG+M-/%

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Direct Deposit

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,-"+#$>%:"H%";;@HR%

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Foreign Currency Conversion Fee &i%8'(%M'M"@%M+"L>",Q'L<

Customer Service

Monthly Maintenance Fee U)R64R%9+$$%S-$L%H'A%@'"K%"M%@$">M%U400%GL%"LH%:'LM-@H%M+"L>",Q'L%,H,@$R%

Transaction U0%3%]L@G:GM$K%WG#L"MA+$%"LK%!OD%M+"L>",Q'L>

U0%

FEES: http://www.capitalone.com/prepaid-cards/mastercard-prepaid-

card/fees/?linkid=WWW_Z_CARD_Z_PCMSCT_C0_03_T_PCMFEES

@*<0).'!"-.'0-'A*#&"<*3*)%'!"-.

Direct Deposit U0R00%

Initial Purchase/Activation U0%



!"#$%)%'(%)

HOW TO AVOID FEES BJ'GK%:'LM-@H%($$%IH%@'"KGL#%"%:GLG:A:%'(%U400%"%:'LM-%'LM'%,"+Kb%#$M%,">-%I",N%(+$$%SGM-%!OD%;A+,-">$%"M%+$M"G@$+>

https://www.capitalone.com/protection/privacy/index.php?linkid=WWW_Z_CARD_Z_GBLFO_F3_01_T_PRIV

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Other ?+"L>",Q'L%jG>M'+H%3%U&R64%IH%:"G@%;$+%:'LM-%+$fA$>M$K

MANAGING YOUR CARD ONLINE ?+",N%H'A+%I"@"L,$%"LK%,"+K%A>"#$%SGM-%"AM':"M$K%M$YM%"LK%$3:"G@%"@$+M>/%:"L"#$%IG@@%;"H/%"LK%+$@'"K%(ALK>%'LM'%,"+K%

"@@%M-+'A#-%H'A+%'L@GL$%",,'ALMR


Green Dot Prepaid Card - Visa or MasterCard

!"#$%&%'(%)

!"#$%&'("$)(* *"+,"-.%&/0%12&1

+,-.%-/0123,4

+251,%62783.8-7/4

.52,%595-!5:-!-8;%<085830= 49 states and Puerto Rico (all states except Vermont)

.">(?@A()>%5B>))C)D$E8)>C#%"D(% https://www.greendot.com/greendot/getacardnow/cardholderagreement

Yes

/5F3%7+%.52, Green Dot Prepaid Card - Visa or MasterCard

12!%0712.3%7+%-/+7 https://www.greendot.com/greendot/getacardnow

-00132%6G7/3 3//456745765

12!%@H%-00132


/5F3%7+%.52,%-00132 0ID@J&#%:"DK%

Tell us at once if you believe your Card or PIN has been lost or stolen. Reporting your

Card lost or stolen online at www.greendot.com or calling us at the number on the

back of your Card is the best way of keeping your possible losses down. You could

lose all the money on your Card. If you tell us within two business days after learning

of the loss or theft of your Card or PIN, you can lose no more than $50 if someone

used your Card or PIN without your permission. If you do NOT tell us within two

business days after you learn of the loss or theft of your Card or PIN, and we can

prove that we could have stopped someone from using your Card or PIN without your

permission if you had told us, you could lose as much as $500. (Note: If your Card is

a MasterCard Card, you will not be liable for the amounts stated above if: your Card

is in good standing; you have not reported more than two incidents of unauthorized

use in the preceding 12 months; and you have exercised reasonable care in

safeguarding your Card from risk of loss or theft. If your Card is a Visa Card, you will

not be liable for the amounts stated above unless we determine that you were

grossly negligent or fraudulent in the handling of your Card.) You agree that any

unauthorized use does not include use by a person to whom you have given authority

to use the Card or PIN and that you will be liable for all such uses by such person.

Also, if your on-line or paper transaction history shows transfers that you did not

make, including those made by your Card, PIN or other means, tell us at once. If you

do not tell us within 60 days after: (i) you electronically access your Card information

at www.greendot.com; or (ii) we provide you with a written history of your Card

transactions, you may not get back any Card value you lost after the 60 days if we

can prove that we could have stopped someone from taking the Card value if you

had told us in time. If a good reason (such as a long trip or hospital stay) kept you

from telling us, we will extend the time periods.

https://www.synovusbankfl.com/



!"#$%1%'(%)

32272%2307!18-7/4

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Telephone us at 866-795-7597 or the number on the back of your Card, or write to

us at Green Dot Customer Care, P.O. Box 1187, Monrovia, California 91017 as soon

as you can, if you think an error has occurred in your Card account. We must allow

you to report an error until 60 days after: (i) the earlier of the date you electronically

accessed your account, provided the error could be viewed in the electronic history;

or (ii) the date we sent the FIRST written history on which the error appeared. You

may request a written history of your transactions at any time by calling the number

identified above or the number on the back of your Card or by writing us at Written

History Request, Green Dot Corporation, P.O. Box 1187, Monrovia, California 91017.

When notifying us, you will need to tell us: (i) your name and Card number; (ii) why

you believe there is an error, and the dollar amount involved; and (iii) approximately

when the error took place. If you tell us orally, we may require that you send us your

complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear

from you and will correct any error promptly. If we need more time, however, we

may take up to 45 days to investigate your complaint or question. If we decide to do

this, we will credit the Card within 10 business days for the amount you think is in

error, so that you will have the use of the value during the time it takes us to

complete the investigation. If we ask you to put your complaint or question in writing

and we do not receive it within 10 business days, we may not credit the Card.

For errors involving new cards, we may take up to 20 business days to credit your

Card for the amount you think is in error. For errors involving point-of-sale or foreign

initiated transactions, we may take up to 90 days to investigate your complaint or

question. We will tell you the results within three business days after completing our

investigation. If we decide that there was no error, we will send you a written

explanation. You may ask for copies of the documents that we used in our

investigation. If you need more information about our error resolution procedures,

call us at 866-795-7597 or the number on the back of your Card or visit

www.greendot.com.

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To help the government fight the funding of terrorism and money-laundering

activities, federal law requires all financial institutions to obtain, verify, and record

information that identifies each person who opens an account. What this means for

you: When you sign up for your Card, we will ask for your name, address, date of

birth, social security number and other information that will allow us to identify you.

We may also ask to see copies of your driver's license or other identifying

documents. We also will request information of any Registered User, including, but

not limited to, the full name and date of birth of any Registered User. Once you have

been authorized, you will be sent a personalized prepaid card.

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IF YOU BELIEVE THAT ANY OF YOUR ACCESS DEVICES HAVE BEEN LOST OR

STOLEN OR THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM

YOUR ACCOUNT WITHOUT YOUR PERMISSION, CONTACT CUSTOMER SERVICE

IMMEDIATELY. Remember that your Registered Mobile Phone is an Access Device,

and thus its loss or theft must also be reported to us if you are enrolled in YAP

Services. Contacting Customer Service via telephone is the preferred method of

communication regarding lost or stolen Access Devices. If your Access Device has

been lost or stolen, we will close your Account. If your PIN has been compromised,

we retain the right to reset your PIN.

You may be liable for unauthorized use of your Access Devices. If you inform us

within two Business Days after you learn of the loss or theft of any of your Access

Devices, you will not be liable for more than $50 if someone used your Access

Device without your permission. If you do NOT notify us within two Business Days

after you learn of the loss or theft of your Access Device, and we can prove we

could have stopped someone from using your Access Device without your

permission if you had notified Customer Service, you could be liable for as much as

$500. If your Account history shows transactions that you did not authorize, notify

Customer Service immediately. If you fail to notify Customer Service of

unauthorized transactions on your Account within 90 days after the Account history

was available to you, you may not be entitled to recover any funds you lost after

the 90 days if we can prove that we could have prevented the unauthorized

transaction if you had notified Customer Service in time.


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is wrong or if you require additional information about a transaction listed on the

Account history or receipt. You must contact Customer Service no later than 90

days after the problem or error appears in your Account history. You should provide

the following information: name, Account number, description of the error or the

transaction, explanation as to why you believe it is an error or why you need more

information, and the dollar amount of the suspected error. If you inform us orally,

we may require that you send your complaint or question in writing within 10

Business Days. We will determine whether an error occurred within 10 Business

Days after we hear from you and will correct any error promptly. If we require

additional time, we may take up to 45 days to investigate your complaint or

question. If additional investigation is required, we will credit your Account within

10 Business Days for the disputed amount. If we ask you to put your complaint or

question in writing and we do not receive it within 10 Business Days, we may not

credit your Account. For errors involving new Accounts, POS, or foreign-initiated

transactions, we may take up to 90 days to investigate your complaint or question.

For new Accounts, we may take up to 20 Business Days to credit your Account for

the disputed amount. We will inform you of the results within three Business Days

after completing the investigation. If we decide that there was no error, we will send

you a written explanation. You may ask for copies of the documents that were used

in the investigation.

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NetSpend Prepaid Visa and MasterCard

!"#$%&%'(%)

!"#$%&'("$)(* *"+,-%../%.0&.

URL of ISSUER

FDIC INSURED?

Yes - available in terms & conditions

1&)/222

1&0+,-,.&.%!/"(

+"0,.&.%1"2"-3)

URL SOURCE OF CARD INFO https://www.netspend.com/

https://www.inbweb.com/ and http://www.bankmeta.com/

ISSUER PHONE 344563757646

4"5(6/2()5%785)).)-$9:)5.#%"-(%

4/-(,;/-#

https://www.netspend.com/account/authenticate.m

NAME OF CARD ISSUER <-$)5%=";/-"2%1"->?%"-(%+)$"1"->:+NAME OF CARD NetSpend Prepaid Visa and MasterCard


Fill out an online order form and you're card is shipped. There's no credit

check and no upfront fees. To activate your card, you will be required to

provide your name, street address, date of birth and other information that

will allow NetSpend to identify you. NetSpend must collect this information in

accordance with The USA PATRIOT Act, a Federal law that requires all

financial institutions to obtain, verify and record information that identifies

each person who opens an account. There is absolutely no cost to order and

activate a NetSpend card. Once you activate the card, you may choose from

a selection of fee plans.

Personalized Card

CARD AVAILABILITY (STATES) All 50 states

8$9

FRAUD PROTECTION?

ERROR RESOLUTION?

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K?;'%;-$K+%",,'=?;9L

Yes - available in terms & conditions

Plans



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https://www.netspend.com/how_it_works/what_it_costs.shtml

B"CD7#DE/&DF/%B2"-

Reload Process H$;I<$?F%Z$>'"F%H$;Q'+W%^',"@'?9%5%CFF%,"9-%'+%,-$,W9%;'%B'=+%H$;I<$?F%,"+F%

",,'=?;%";%"?B%'(%J'+$%;-"?%&00/000%>',"@'?9L%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%

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CARD RESTRICTIONS

Bank account required? H'

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Signature Purchase Transaction Fee*

PIN Purchase Transaction Fee

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MANAGING YOUR CARD ONLINE



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https://www.netspend.com/help/netspend_security_center/privacy_policy.sh

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Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that

an electronic fund transfer has been made without your permission using information from

your Card or PIN by calling 1.866.229.8885. Telephoning is the best way of keeping your

possible losses down. You could lose all the money on your Card. If you tell us within two

business days after you learn of the loss or theft of your Card, you can lose no more than

$50 if someone used your Card without your permission. If you do NOT tell us within two

business days after you learn of the loss or theft of your Card, and we can prove we could

have stopped someone from using your Card without your permission if you had told us, you

could lose as much as $500. (Note: MasterCard has a Zero Liability Policy, which applies

only for signature purchase transactions. Under that policy, you will not be liable for the

amounts stated above if: (i) your Card is in good standing, (ii) you have not reported more

than two incidents of unauthorized use in the preceding 12 months, and (iii) you have

exercised reasonable care in safeguarding your Card from risk of loss or theft.) Also, if your

statement shows transfers that you did not make, including those made by Card, code or

other means, tell us at once. If you do not tell us within either 60 days after you

electronically access your Card history, provided that the electronic history made available

to you reflects the transfer, or within 60 days after we send you a written history in

response to your request for your Card transactions, you may not get back any money you

lost after the 60 days if we can prove that we could have stopped someone from taking the

money if you had told us in time. If a good reason (such as a long trip or a hospital stay)

kept you from telling us, we will extend the time periods.

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In Case of Errors or Questions about your Card telephone us at 866.229.8885 or write us at

OneWest Bank, FSB, P.O. Box 7056, Pasadena, CA 91109-9699 as soon as you can, if you

think an error has occurred on your Card. We must allow you to report an error until 60

days after the earlier of the date you electronically access your Card history, if the error

could be viewed in your electronic history, or the date we sent the FIRST written history on

which the error appeared. You may request a written history of your transactions at any

time by calling us at 1.866.229.8885 or writing us at OneWest Bank, FSB, P.O. Box 7056,

Pasadena, CA 91109-9699. You will need to tell us: 1. Your name and Card number. 2.

Describe the error or the transfer you are unsure about, and explain as clearly as you can

why you believe it is an error or why you need more information. 3. Tell us the dollar

amount of the suspected error. If you tell us orally, we may require that you send us your

complaint or question in writing within 10 business days. We will determine whether an

error occurred within 10 business days after we hear from you and will correct any error

promptly. If we need more time, however, we may take up to 45 days to investigate your

complaint or question. If we decide to do this, we will credit your Card within 10 business

days for the amount you think is in error, so that you will have the money during the time it

takes us to complete our investigation. If we ask you to put your complaint or question in

writing and we do not receive it within 10 business days, we may not credit your Card.

For errors involving new Cards, point-of-sale, or foreign-initiated transactions, we may take

up to 90 days to investigate your complaint or question. For new Cards, we may take up to

20 business days to credit your Card for the amount you think is in error. We will tell you the

results within three business days after completing our investigation. If we decide that there

was no error, we will send you a written explanation. You may ask for copies of the

documents that we used in our investigation. If you need more information about our error-

resolution procedures, call us at 866.229.8885.

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Univision MasterCard

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Yes

/00+1,%8<951 122311435511


Contact us at once if you believe your Card has been lost or stolen. Telephoning is the

best way to minimize your possible losses. If you believe your Card has been lost or

stolen, or that someone has transferred or may transfer money from your Card

Account without your permission, call us at 877-883-6688 (direct dial international

904-425-9077). Under MasterCard Rules, your liability for unauthorized MasterCard

transactions on your Card Account is $0.00 if you notify us within two (2) business

days and you exercise reasonable care in safeguarding your Card from loss, theft, or

unauthorized use. This reduced liability does not apply if a PIN is used as the method

of verification for a disputed transaction or you have reported two (2) or more

incidents of unauthorized use in the immediately preceding twelve (12) month period.

If you notify us within two (2) business days from a non-authorized transaction, you

can lose no more than $50.00 if someone used your Card without your permission. If

you do not notify us within two (2) business days after you learn of the loss or theft of

your Card and we can prove that we could have stopped someone from using your

Card without your permission if you had promptly notified us, you could lose as much

as $500.00. Also, if you become aware of and/or your statement shows transactions

that you did not make, notify us at once following the procedure indicated in the

"Error Resolution Notice" section. If you do not notify us in writing within sixty (60)

days after you become aware of the transaction and/or after the statement was made

available to you, you may not get back any value you lost after the sixty (60) days if

we can prove that we could have stopped someone from taking the value if you had

notified us in time and you are grossly negligent or fraudulent in the handling of your

Card. If your Card has been lost or stolen, we will close your Card Account to keep

losses down.

+,!%09+,41%92%47,3%/529 http://www.univisiontarjeta.com/en/

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Prepaid Card

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In case of errors or questions about your Card Account, telephone us at 877-883-

6688 (direct dial international 904-425-9077), write us at Univision MasterCard

Prepaid Card, P.O. Box 111, Presque Isle, Maine 04769-0111 or email us at

[email protected] as soon as you can, if you think an error has

occurred in your Card Account. We must allow you to report an error until sixty (60)

days after the earlier of the date you electronically access your Card Account, if the

error could be viewed in your electronic history, or the date we sent the FIRST written

history on which the error appeared. You may view your transaction history at any

time on-line or request a written history of your transactions at any time by calling us

at 877-883-6688 (direct dial international 904-425-9077) or writing us at Univision

MasterCard Prepaid Card, P.O. Box 111, Presque Isle, Maine 04769-0111.

You will need to tell us, Your name and Card Account number, Why you believe there

is an error, and the dollar amount involved, Approximately when the error took place.

If you tell us orally, we may require that you send us your complaint or question in

writing within ten (10) business days. We will determine whether an error occurred

within ten (10) business days after we hear from you and will correct any error

promptly. If we need more time, however, we may take up to forty-five (45) days to

investigate your complaint or question. If we decide to do this, we will credit your

Card Account within ten (10) business days for the amount you think is in error, so

that you will have the money during the time it takes us to complete our

investigation. If we ask you to put your complaint or question in writing and you do

not provide it within ten (10) business days, we may not credit your Card. For errors

involving new Cards, POS transactions, or foreign-initiated transactions, we may take

up to ninety (90) days to investigate your complaint or question. For new Card

Accounts, we may take up to twenty (20) business days to credit your Card Account

for the amount you think is in error. We will tell you the results within three (3)

business days after completing the investigation. If we decide that there was no error,

we will send you a written explanation. You may ask for copies of the documents that

we used in our investigation. If you need more information about our error-resolution

procedures, call us at 877-883-6688 (direct dial international 904-425-9077) or visit

www.univisiontarjeta.com

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8,/F74H%59:/41 http://www.univisiontarjeta.com/en/privacy-policy/


Walmart MoneyCard Mastercard and Visa

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Yes

Tell us AT ONCE if you believe your Walmart MoneyCard or PIN has been lost or stolen.

Calling is the best way of notifying us. You will not lose any part of the money on your

Walmart MoneyCard based on unauthorized use if you have exercised reasonable care in

safeguarding your card and PIN from risk of loss or theft. However, if these conditions are

NOT met, you could lose the lesser of $50 or the amount of unauthorized use from your

Walmart MoneyCard before you notify us that your card has been lost or stolen. If you

believe your Walmart MoneyCard or PIN has been lost or stolen, report it online at

walmartmoneycard.com or call (877) 937-4098, or write to Our Mail Address.

+,-.%-/0123,4

+251,%62783.8-7/4

Not available to purchase the card in Walmart in NY, NJ, RI.52,%595-!5:-!-8;%<085830=

https://www.walmartmoneycard.com/walmart/cardholder-agreement.">(?@A()>%5B>))C)D$E8)>C#%"D(%

.@D(FG@D#

H3%I@D)J%:"DK/5I3%7+%.52,%-00132Walmart MoneyCard Mastercard and Visa/5I3%7+%.52,


https://www.walmartmoneycard.com/walmart

-00132%6L7/3 122345236041%78(%9':%;'%<'=%-">$%"%,"+;%?+$@@%.%='%+$?'+=%,"+;%@='A$</%?+$@@%0%:<BA%,'<<$,=$;%C8=-%

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IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR WALMART MONEYCARD: Call us at (877)

937-4098 or write to us at Our Mail Address as soon as you can if you think an error has

occurred on your Walmart MoneyCard. We must allow you to report an error until 60 days

after the earlier of the date you electronically access your Walmart MoneyCard, if the error

could be viewed in your electronic history, or the date we sent the FIRST written history on

which the error appeared. You may request a written history of your transactions and reloads

at any time by calling us at (877) 937-4098 or writing us at Our Mail Address. You will need

to tell us: 1. Your name and Walmart MoneyCard number. 2. Why you believe there is an

error, and the dollar amount involved. 3. Approximately when the error took place. If you tell

us verbally, we may require that you send us your complaint or question in writing within 10

business days. We will determine whether an error occurred within 10 business days after we

hear from you and will correct any error promptly. If we need more time, however, we may

take up to 45 days to investigate your complaint or question. If we decide to do this, we will

credit your Walmart MoneyCard within 10 business day for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our

investigation. If we ask you to put your complaint or question in writing and we do not

receive it within 10 business days, we may not credit your Walmart MoneyCard. For errors

involving new customers, point-of-sale, or foreign-initiated transactions, loads, or reloads, we

may take up to 90 days to investigate your complaint or question. For new customers, we

may take up to 20 business days to credit your Walmart MoneyCard for the amount you think

is in error. We will tell you the results within three business days after completing our

investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation. If you need more

information about our error-resolution procedures, call us at (877) 937-4098 or visit

walmartmoneycard.com.

There is an initial minimum load of $20

E%F"G8F:F%'(%H)00%7'+%H&/)00%8(%9':%+$,$8>$;%=-$%I$F?'+"+9%J"+;%C-$<%9':%,"@-$;%"%,-$,K%"=%

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You do not have to apply for a personalized card to receive a Tempoarary Card. The initial

load to a Temporary Card may be made only at a participating Walmart store through the

Green Dot Financial Network. There is an initial minimum load of $20. Once approved, a

Temporary Card is reloadable only by direct deposit, bank transfer, and MoneyPak only after

you have activated the Temporary Card and we have verified your identity. You must activate

the Temporary Card and choose a Personal Identification Number (“PIN”), either by going

online to walmartmoneycard.com or by calling toll-free (877) 965-7848. You must have both

your Temporary Card and receipt with you when you call to activate or for any refunds. After

you activate your Temporary Card and your identity has been verified, you will receive a

Personalized Card in the mail. If unable to verify your identity, you will not receive a

Personalized Card and your Temporary Card will not be reloadable. You will receive the

amount loaded on the Temporary Card and any fees you paid or be allowed to use the

Temporary Card until the balance on the card is zero.



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Excluding direct deposits from your employer, the minimum amount that may be loaded to a

Walmart MoneyCard in a single reload is $20

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=+"<@",B'<%-8@='+9N%U(%9':%"+$%"%<$C%,:@='F$+/%8@@:$+%,"<%M$#8<%@-"+8<#%9':+%8<('+F"B'<%50%;"9@%

(+'F%=-$%;"=$%C$%@$<=%=-8@%<'B,$N%L-$<%9':%"+$%<'%A'<#$+%"%,:@='F$+/%8@@:$+%,'<B<:$@%='%@-"+$%

9':+%8<('+F"B'<%"@%;$@,+8M$;%8<%=-8@%<'B,$N%f'C$>$+/%9':%,"<%,'<=",=%8@@:$+%"=%"<9%BF$%='%A8F8=%%

@-"+8<#N%J"AA%122345236041

L7R%87%597-,%+330

7$?)>%-DT@


Western Union mun2

Prepaid MasterCard

!"#$%&%'(%)

!"#$%&'("$)(* *"+,-%../%.0&.

URL of ISSUER

+,-.%-/0123,4

+251,%62783.8-7/4

URL SOURCE OF CARD INFO http://www.westernunion.com/web-inf/en/country/US/index_mun2_WU.html

-1234455567-$8"9,'+26,':4

ISSUER PHONE ;;;<=>><?0?@

."9(:;<()9%5=9))>)?$@8)9>#%"?(%

.;?(AB;?#

https://www.wuprepaid.com/wuprepaid/public/get.do?view=public/terms/tos_mun2


NAME OF CARD ISSUER 8:)%C"?D;9'%C"?ENAME OF CARD Western Union mun2 Prepaid MasterCard

Yes

Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or if you believe that an electronic

fund transfer has been made without your permission.. Telephoning toll-free at 888-366-7079 is the best way

of keeping your possible losses down. You could lose all the money in your Card account. If you tell us within

2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if

someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after

you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from

using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if

your electronic history shows transfers that you did not make, including those made by your Card or other

means, tell us at once. If you do not tell us within 60 days of the earlier of the date you electronically access

your account, if the unauthorized transfer could be viewed in your electronic history, or the date we sent the

FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost

after the 60 days if we can prove that we could have stopped someone from taking the money if you had told

us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend

the time periods for a reasonable period.



Western Union mun2

Prepaid MasterCard

!"#$%.%'(%)

32272%2307!18-7/4

Temporary cards are available to purchase at any Western Union and can be purchased without applying for a

permanent card. Temporary cards that have not been approved hold a one-time max load of $750. There is a

$4.95 reload fee (fee anytime you load cash with a WU agent service fee). Once the cardholder has been

approved, their temporary card will be able to be reloaded.

$10

$750

Personalized Card

FA?A>&>%!;"( AB600

In case of errors or questions about your Card transactions, call 888-366-7079 or write to Western Union

Mun2 Prepaid MasterCard Customer Service, P.O. Box 550578, Sunrise, FL 33355 as soon as possible if you

think an error has occurred in your Card account. We must hear from you no later than 60 days after the

earlier of the date you electronically access your account, if the error could be viewed in your electronic

history, or the date we sent the FIRST written history on which the error appeared. You may request a

written history of your transactions at any time by contacting us at the number or address above. You will

need to tell us the following: (1) your name, (2) your Card number, (3) why you believe there is an error, (4)

the dollar amount involved, and (5) approximately when the error took place. If you tell us orally, we may

require that you send us your complaint or question in writing within 10 business days. We will determine

whether an error occurred within 10 business days after we hear from you and will correct any error

promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or

question. If we decide to do this, we will provisionally credit your account within 10 business days for the

amount you think is in error, so that you will have the money during the time it takes us to complete our

investigation. Funds will remain contingent on whether we determine if an error occurred. If we ask you to

put your complaint or question in writing and we do not receive it within 10 business days, we may not credit

your account. For errors involving new accounts, POS, or foreign-initiated transactions, we may take up to 90

days to investigate your complaint or question. For new accounts, we may take up to 20 business days to

credit your account for the amount you think is in error. We will tell you the results within three business

days after completing our investigation. If we decide that there was no error, we will send you a written

explanation. You may ask for copies of the documents we used in our investigation. If you have any further

questions regarding our error resolution procedures, please contact us by calling: 888-366-7079.

8)>';9"9G%."9(

FA?A>&>%!;"(

F"HA>&>%C"<"?D)

F"HA>&>%C"<"?D) A&0/000

USE OF CARD

CARD RESTRICTIONS C-$+$%DE%"%:D9D:F:%!GH%*'9$I%J'"K%":'F97%'(%AB600%"9K%"%:"LD:F:%!GH%*'9$I%J'"K%":'F97%'(%A@B0600%2$+%

7+"9E",M'9%'+%A@B0600%D9%7-$%"##+$#"7$%5D7-D9%"%75$97I<('F+%N.)O%-'F+%2$+D'K6%P'F%:"I%5D7-K+"5%F2%7'%AB00%%(+':%

7$+:D9"QE%$R$+I%.)%-'F+E6%P'F%:"I%8FI%F2%7'%A./B00%5'+7-%'(%#''KE%"9K%%E$+RD,$E%$R$+I%.)%-'F+E6%S9DM"Q%*"LD:F:%

J'"K%JD:D7NEO%<%AB004A?B04A&0/000%N:"LD:F:%":'F97E%:"I%R"+I3%AB00%N"9'9I:'FE%7+"9E",M'9EO%"9K%8$75$$9%

A?B0%"9K%A&0/000%('+%+$#DE7$+$K%7+"9E",M'9E%K$2$9KD9#%'9%7-$%E'F+,$%'(%7-$%(F9KE6O


Western Union mun2

Prepaid MasterCard

!"#$%=%'(%)

Reload Process P'F%:"I%"KK%(F9KE%7'%I'F+%T"+K%N"%U!GH%*'9$I%J'"KVO/%"7%"9I%2"+M,D2"M9#%W$E7$+9%X9D'9%Y#$97%Q',"M'9%RD"%"%

W$E7$+9%X9D'9%!+$2"DK%H$+RD,$E%C+"9E",M'9%('+%"%Q'"K%'+%+$Q'"K%($$%,-"+#$K%8I%W$E7$+9%X9D'9%D9%"KKDM'9%7'%7-$%

D9DM"Q%",MR"M'9%($$6

Credit check required? Z'

Bank account required? Z'

Requirements W-$9%"%,'9EF:$+%'2$9E%"%T"+K%Y,,'F97/%WX%5DQQ%"E[%('+%7-$%,'9EF:$+\E%9":$/%"KK+$EE/%K"7$%'(%8D+7-/%E',D"Q%

E$,F+D7I%9F:8$+/%"9K%'7-$+%D9('+:"M'9%7-"7%5DQQ%DK$9M(I%7-$%,'9EF:$+6%C-$%,'9EF:$+%5DQQ%9$$K%7'%2+'RDK$%-DE4-$+%

H',D"Q%H$,F+D7I%9F:8$+%D(%"%X6H6%,DM]$9%'+%2$+E'9"Q%C"L%S^%'+%2"EE2'+7%9F:8$+%D(%"%9'9<X6H6%,DM]$96%WX%:"I%"QE'%"E[%

7'%E$$%I'F+%K+DR$+_E%QD,$9E$%'+%'7-$+%DK$9M(ID9#%K',F:$97E6%W$E7$+9%X9D'9%:"I%2+'RDK$%7-$%D9('+:"M'9%#DR$9%7'%

7-$%W$E7$+9%X9D'9%Y#$97%,Q$+[%7'%C-$%`"9,'+2%`"9[6%C-$+$%DE%9'%"#$%+$aFD+$:$97%7'%'87"D9%"%7$:2'+"+I%,"+K/%

-'5$R$+/%:D9'+E%5DQQ%9'7%8$%"22+'R$K%('+%"%2$+:"9$9742$+E'9"QD]$K%,"+K6%

Direct Deposit P$E%<%b+$$

UPGRADES

ATM Cash withdrawal A&6@B/%A.B600%"7%8"9[%,'F97$+

Lost, Stolen or Additional Card

Replacement

AB600%

Direct Deposit A0600%

.:)DE%69;D)##A?= A.B600%

FEES:

Initial Purchase/Activation A0%

Reload A0%KD+$,7%K$2'ED7c%A)6@B%,"E-%+$Q'"K%W$E7$+9%X9D'9%"#$97%($$c%`"9[%7+"9E($+%($$%<%A&

Other !"2$+%E7"7$:$97%($$%<%A=%2$+%+$aF$E7$K%E7"7$:$97c%H7'2%2"I:$97%($$%<%A)6@Bc%YC*%^$,QD9$%"9K%`"Q"9,$%S9aFD+I%b$$%<%

A06)Bc%S9",MRD7I%b$$%N:'97-QI%,-"+#$%8$#D99D9#%D9%:'97-%&=%'(%D9",MRD7IO%<%A.6B0c%Y#$97%J',"M'9%T"E-%J'"K%b$$%<%

A)6@Bc%

MANAGING YOUR CARD ONLINE

Account Maintenance Fee A0%

Transaction A0%

Low balance email/text alerts? Z'%Q'5%8"Q"9,$%"Q$+7E/%7+"9E",M'9%"Q$+7E%"+$%E$97%5-$9%I'F%7+"9E($+%:'9$I%'97'%,"+K

Customer Service JDR$%TFE7':$+%H$+RD,$%b$$%<%A0

Balance Inquiry YC*%`"Q"9,$%S9aFD+I%<%A6)B

Text to check balance? P$E

Foreign Currency Conversion Fee F2%7'%&d

HOW TO AVOID FEES YR'DK%YC*%($$E%8I%#$e9#%,"E-%8",[%5D7-%!SZ%2F+,-"E$Ec%YR'DK%7-D+K<2"+7I%,"E-%Q'"KD9#%($$E%8I%ED#9D9#%F2%('+%KD+$,7%

K$2'ED7%%%


Western Union mun2

Prepaid MasterCard

!"#$%)%'(%)

.7/+-,3/8-5!-8I

62-J5.I%/78-.3

C-$%7I2$E%'(%2$+E'9"Q%D9('+:"M'9%5$%,'QQ$,7%"9K%E-"+$%K$2$9K%'9%7-$%2+'KF,7%'+%E$+RD,$%I'F%-"R$%5D7-%FE6%NDO%

S9('+:"M'9%W$%T'QQ$,7%NUT"+K-'QK$+%S9('+:"M'9VO%DE%"E%('QQ'5E3N"O%S9('+:"M'9%"8'F7%2F+,-"E$E%:"K$%5D7-%7-$%

T"+K/%EF,-%"E%K"7$%'(%2F+,-"E$/%":'F97%"9K%2Q",$%'(%2F+,-"E$6%N8O%S9('+:"M'9%I'F%2+'RDK$%7'%FE%5-$9%I'F%"22QI%

('+%"%T"+K/%'+%('+%+$2Q",$:$97%T"+KE%'+%5-$9%I'F%,'97",7%FE%5D7-%,FE7':$+%E$+RD,$%DEEF$E/%EF,-%"E%9":$/%"KK+$EE/%

2-'9$%9F:8$+6

f'5$R$+/%'9QI%7-'E$%2$+E'9E%5-'%9$$K%D7%7'%2$+('+:%7-$D+%g'8%+$E2'9ED8DQDM$E%"+$%"F7-'+D]$K%7'%-"R$%",,$EE%7'%

T"+K-'QK$+%S9('+:"M'96%S9%"KKDM'9/%5$%:"D97"D9%2-IED,"Q/%$Q$,7+'9D,%"9K%2+',$KF+"Q%E$,F+D7I%:$"EF+$E%7-"7%

,':2QI%5D7-%($K$+"Q%+$#FQ"M'9E%7'%E"($#F"+K%T"+K-'QK$+%S9('+:"M'96

H$$%C$+:E%'(%H$+RD,$3%-12E34455565F2+$2"DK6,':45F2+$2"DK42F8QD,4#$76K'hRD$5i2F8QD,47$+:E47'Ej:F9.


Western Union

Prepaid Visa Card

!"#$%&%'(%)

!"#$%&'("$)(* *"+,-%../%.0&.

URL of ISSUER

+,-.%-/0123,4

+251,%62783.8-7/4

https://www.wuprepaid.com/wuprepaid/public/login.do

-1234455567-$8"9,'+26,':4

ISSUER PHONE ;<<=..0=>?;@

."9(:;<()9%5=9))>)?$@8)9>#%"?(%

.;?(AB;?#

https://wumt.westernunion.com/WUCOMWEB/staticMid.do?method=load&pagename=tnc&countryCode=US&lan

guageCode=en&nextSecurePage=Y


NAME OF CARD ISSUER 8:)%C"?D;9'%C"?ENAME OF CARD Western Union Prepaid Visa Card

URL SOURCE OF CARD INFO

Yes

Notify Western Union immediately if You believe Your Western Union username and password have been lost or

stolen or if someone may use them without Your permission. If You notify Western Union within 2 business days

You can lose no more than $50 if someone used Your Services username and password without Your permission.

If You do NOT notify Western Union within 2 business days after You learn of the loss or theft of Your username

and password or that someone may use them without Your permission, and Western Union can prove that it

could have stopped someone from using Your Services username and password without Your permission if You

had told Western Union, You could lose as much as $500.

Also, if Your Bank Account statement shows Western Union debits that You did not authorize, notify Western

Union immediately. If You do not notify Western Union within 90 days after the date that the statement was

mailed to You or the transaction summary was available, and the loss could have been prevented, You may not

get back any money You lost after the 90 days. Western Union may extend the within 90 day notification period

for good cause.



Western Union

Prepaid Visa Card

!"#$%.%'(%)

32272%2307!18-7/4

8)>';9"9F%."9(

No maximum but $950 load limit per 24 hours, up to five times for temporary cards that have not been

approved (meaning you did not apply for a permanent/personalized card)

$30

Personalized Card

GA?A>&>%!;"( A>0

If You believe that any Service transaction initiated by Western Union with respect to Your Bank Account is

erroneous, or if You need more information about any such Service transaction, You should contact Western

Union as soon as possible by telephone or in writing by using the telephone number or address provided above

under "CUSTOMER SERVICE." In any event, Western Union must hear from You no later than ninety (90) days

after the date the questionable transaction FIRST appeared on Your Bank Account statement. When You contact

Western Union, please:1. Tell Western Union your name and the e-mail address associated with Your

westernunion.com customer account,2. Describe the error or the transfer You are unsure about, and explain as

clearly as You can why You believe it is an error or why You need more information, 3. Tell Western Union the

dollar amount of the suspected error, 4. If possible, provide Western Union with the transaction date and

associated transaction identification number from Your Bank Account statement, and 5. Provide Western Union

with a telephone number at which You can be reached in case Western Union needs further information. If You

provide Western Union with this information orally, You may be required to send Western Union your complaint

or question in writing within ten (10) Business Days. Western Union will attempt to determine whether an error

occurred within ten (10) Business Days after Western Union receives Your written complaint and will correct any

error promptly. If Western Union needs more time, however, it may take up to forty-five (45) days to investigate

Your complaint or question. If Western Union decides to do this, and Your inquiry or complaint involves any

amounts debited from Your Bank Account, Western Union may transmit a provisional credit to Your Bank

Account for the amount You think is in error, so that You will have the use of the money during the time it takes

it to complete the investigation. If Western Union asks You to put your complaint or question in writing and it

does not receive it within ten (10) Business Days, Western Union may not grant provisional credit of the

disputed amount. Western Union will tell You the results of its investigation within three (3) Business Days after

its completion. If Western Union decides that there was no error, it will send you a written explanation. You may

ask for copies of the documents used in the investigation.

GA?A>&>%!;"(

G"HA>&>%C"<"?D)

Temporary cards are available to purchase at any Western Union agent location. Initial load with a temporary

card must be done at location. Initial load of at least $30 to activate your Western Union Prepaid Visa Card.

Registration for a personalized card is not necessary to purchase a temporary card. You will not be able to use

an ATM if not approved. Once approved there is a $500 max withdrawal per 24 hours. PIN cash back option is

also available once temporary card is approved.

G"HA>&>%C"<"?D) A@/000

USE OF CARD

CARD RESTRICTIONS A@00%,"B-%5C7-D+"5"E%EC:C7%2$+%.)%-'F+B%GC9,EFD$B%!HI%,"B-%8",J%7+"9B",K'9BL


Western Union

Prepaid Visa Card

!"#$%>%'(%)

Reload Process M'"D%N'F+%O"+D%"7%"9%P#$97%M',"K'9%QCBC7%"%2"+K,C2"K9#%R$B7$+9%S9C'9%P#$97%E',"K'96%A)6?@%+$E'"D%($$%5C7-%"9%"#$97%

5-'%5CEE%2+'TCD$%U'F%5C7-%"%:'9$U%7+"9B($+%,'97+'E%9F:8$+6%*FB7%7-$9%,"EE%RS%+$2+$B$97"KT$%5C7-%,'97+'E%9F:8$+%

5-'%5CEE%E'"D%7-$%":'F97%'97'%7-$%2+$2"CD%,"+D%G9'%($$%7'%B2$"J%5C7-%+$2+$B$97"KT$L6%V$E'"DB%,"9%8$%D'9$%'T$+%7-$%

2-'9$%5C7-%"%RS%+$2+$B$97"KT$6

Credit check required? I'

Bank account required? I'

Requirements R-$9%"%,'9BF:$+%'2$9B%"%O"+D%P,,'F97/%RS%5CEE%"BJ%('+%7-$%,'9BF:$+WB%9":$/%"DD+$BB/%D"7$%'(%8C+7-%"9D%'7-$+%

C9('+:"K'9%7-"7%5CEE%CD$9K(U%7-$%,'9BF:$+6%X-$%,'9BF:$+%5CEE%9$$D%7'%2+'TCD$%-CB4-$+%Y',C"E%Y$,F+C7U%9F:8$+%C(%"%S6Y6%

,CKZ$9%'+%2$+B'9"E%X"[%H\%'+%2"BB2'+7%9F:8$+%C(%"%9'9=S6Y6%,CKZ$96%RS%:"U%"EB'%"BJ%7'%B$$%U'F+%D+CT$+]B%EC,$9B$%'+%

'7-$+%CD$9K(UC9#%D',F:$97B6%R$B7$+9%S9C'9%:"U%2+'TCD$%7-$%C9('+:"K'9%#CT$9%7'%7-$%R$B7$+9%S9C'9%P#$97%,E$+J%7'%

X-$%^"9,'+2%^"9J6%

Direct Deposit _+$$%DC+$,7%D$2'BC7

UPGRADES

FEES:

Initial Purchase/Activation A)6?@%C9CK"E%E'"D%($$%5C7-%"#$97%G9'7%"%($$%7'%2F+,-"B$%,"+D/%($$%7'%E'"D%5C7-%"#$97%($$L

Reload A)6?@%+$E'"D%"#$97%($$`%A&%=%^"9J%7'%,"+D%7+"9B($+%($$

ATM Cash withdrawal A&6?@%2$+%7+"9B",K'9

Second Card or Replacement Card A@600%

Direct Deposit A0600%

Monthly Maintenance Fee A0%

Transaction A0%('+%!HI%"9D%YC#9"7F+$%7+"9B",K'9B

Customer Service A0%



N$B

N$B

Balance Inquiry A6)@%PX*%8"E"9,$%C9aFC+U

Foreign Currency Conversion Fee .b

Other !"2$+%Y7"7$:$97%_$$%=%A>`%O"+D%H9",KTC7U%_$$%=%A.6@0%G:'97-EU%,-"+#$%8$#C99C9#%C9%:'97-%&>%'(%C9",KTC7UL

MANAGING YOUR CARD ONLINE X+",J%U'F+%,"+D%8"E"9,$%"9D%B2$9DC9#%'9EC9$/%'T$+%7-$%2-'9$/%'+%5C7-%Y*Y%7$[7%"E$+7B6

HOW TO AVOID FEES M'"D%U'F+%,"+D%'T$+%7-$%2-'9$%'+%7-+'F#-%DC+$,7%D$2'BC76%PT'CD%PX*%($$B%8U%5C7-D+"5"EC9#%,"B-%7-+'F#-%!HI%

2F+,-"B$B%"9D%+$,$CTC9#%,"B-%8",J6%


Western Union

Prepaid Visa Card

!"#$%)%'(%)

.7/+-,3/8-5!-8I

62-J5.I%/78-.3 http://www.westernunion.com/WUCOMWEB/staticMid.do?method=load&pagename=privacyPolicy&countryCode

=US&languageCode=en

X-$%7U2$B%'(%2$+B'9"E%C9('+:"K'9%5$%,'EE$,7%"9D%B-"+$%D$2$9D%'9%7-$%2+'DF,7%'+%B$+TC,$%U'F%-"T$%5C7-%FB6%X-CB%

C9('+:"K'9%,"9%C9,EFD$/%5C7-'F7%EC:C7"K'93%#'T$+9:$97%CD$9Kc,"K'9%9F:8$+B/%BF,-%"B3%D+CT$+]B%EC,$9B$/%2"BB2'+7/%

TCB"%'+%Y',C"E%Y$,F+C7U%9F:8$+`%9":$/%"DD+$BB/%:'8CE$%"9D%-':$%7$E$2-'9$%9F:8$+`%",,'F97%8"E"9,$B%"9D%

7+"9B",K'9%-CB7'+U`%,+$DC7%-CB7'+U%"9D%2"U:$97%-CB7'+U`%,':2F7$+%C9('+:"K'9%BF,-%"B%7-$%D':"C9%"9D%-'B7%U'F%FB$%7'%

",,$BB%7-$%H97$+9$7`%U'F+%,':2F7$+]B%H97$+9$7%"DD+$BB`%7-$%8+'5B$+%"9D%'2$+"K9#%BUB7$:%B'd5"+$%U'F%FB$`%B',C"E%

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'F+%5$8BC7$%5-$9%U'F%TCBC7%FB6%N'F%,'9B$97%7'%'F+%,'EE$,K'9/%7+"9B($+%"9D%B7'+"#$%'(%H9('+:"K'9%8U%,':2F7$+B%'+%

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YAP MasterCard Prepaid Card !"#$"!%&'#()(*$(+$&,

-./0#1#23#4

!"#$%&'("$)(*5.678#99:#9;19 !"#$"!%&'#()(*$(+$&

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57;1%92%47,3 YAP MasterCard Prepaid Card

57;1%92%47,3%/00+1, /<$)=%5">-<"?%@"<A

Yes

/00+1,%8B951


IF YOU BELIEVE THAT ANY OF YOUR ACCESS DEVICES HAVE BEEN LOST OR STOLEN OR THAT

SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM YOUR ACCOUNT WITHOUT YOUR

PERMISSION, CONTACT MANGO AT ONCE. Contacting us via telephone is the preferred method of

communication for lost or stolen Access Devices. You may be liable for unauthorized use of your

Access Devices. You will not be liable for unauthorized use that occurs after you notify us, orally or

in writing, of the loss, theft, or possible unauthorized use. If you inform us within two business

days after you learn of the loss or theft of your Access Device(s), you will not be liable for more

than $50 if someone used your Access Device without your permission. If you do NOT tell us

within two business days after you learn of the loss or theft of your Access Device, and we can

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you had informed us, you could be liable for as much as $500. If your Account history shows

transactions that you did not authorize, inform us immediately. If you fail to inform us within 90

days after the Account history was made available to you, you may not be entitled to recover any

funds you lost after the 90 days if we can prove that we could have prevented the unauthorized

transaction if you had told us in time. If your Access Device has been lost or stolen, we will close

your Account. If your PIN has been compromised we retain the right to reset your PIN.If you

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determines that the unauthorized transaction was fraudulent or unauthorized. If you inform Mango

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NOT tell Mango within two business days after you learn of the loss or theft of your Mobile Phone,

and we can prove we could have stopped someone from using your Mobile Phone without your

permission if you had informed us, you could be liable for as much as $500.

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from you no later than 90 days after the initial communication when the problem or error

appeared. You must provide the following information: Name; Card Account number; Description

of the error or the transaction; explanation as to why you believe it is an error or why you need

more information; and the dollar amount of the suspected error. We may require that you send

your complaint or question in writing within 10 business days. We will determine whether an error

occurred within 10 business days after we hear from you and will correct any error promptly. If we

require additional time we may take up to 45 days to investigate your complaint or question. If

additional investigation is required, we will credit your Account within 10 business days for the

disputed amount. If we ask you to put your complaint or question in writing and we do not receive

it within 10 business days, we may not credit your Account. For errors involving new Accounts,

POS, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or

question. For new Accounts, we may take up to 20 business days to credit your Account for the

disputed amount. We will inform you of the results within three business days after completing the

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Consumer Action Prepaid Credit Card Survey - 2012€¦ · you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions