Q: What is a PayCard?
A: A PayCard is a debit card on which your pay or other funds are deposited or “loaded”. The card is either a PIN Debit Card that can be used where a PIN is accepted (practically all ATMs, and most large Retailers, Grocery Stores, Gas Stations, etc.), or a MasterCard, that can be used everywhere the MasterCard logo is displayed.

Q: How can my PayCard be used?
A: The Elan PayCard is like an electronic bank account, without the hassle or cost. You can 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 Elan PayCard to purchase goods or services at millions of Retailers, depending upon what type of PayCard you have (see question above). You can also use the Elan PayCard to transfer funds to any other Elan PayCard cardholder (including a relative in the US or Internationally).

Q: Can I transfer money to a relative internationally?
A: Yes, simply get two PayCard “Accounts” in your name, and send the second “Account” to your relative. The card sent to your relative must be a PIN-based card. Then you may either 1)have your pay split between the two cards (if you do payroll direct deposit and employer allows); 2) have money automatically deposited from a checking or savings account to the second card (by calling us toll-free); or 3) you can transfer funds from one card to the other by calling us toll-free or via PayCardConnect.com. The relative may then withdraw the funds at virtually any ATM, or use it to buy things where Maestro is accepted.

Q: How many PayCards can I have?
A: You may have up to three cards in your name.

Q: Do I need a bank account?
A: No bank account is required to obtain a Elan PayCard.

Q: I have a bank account, why do I want a PayCard?
A: 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 or pre-college you help to support or provide an allowance, 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, maintain a separate account for “personal” purposes, or for other money management reasons, putting the 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.

Q: How do I get an additional PayCard?
A: Call PayCard Services toll-free at 1-877-755-1474.

Q: How much does the PayCard cost?
A: Please see the information sheet provided when you enrolled, or call us toll-free at 1-877-755-1474.
How do I avoid ATM Surcharges? Elan 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.

Q: How do I know how much money is on my PayCard?
A: 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. Elan also makes available a simple PayCard Register to help keep track of your transactions. When you withdraw money at most ATMs, your available balance is also shown.

Q: How can I see what transactions have occurred on my PayCard?
A: You can find view your transactions by checking over the Internet at www.PayCardConnect.com, or get information by 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.

Q: If I have my pay directly deposited to the card and I want to know how much money was deposited onto my PayCard, what do I do? What do I do if the amount is wrong?
A: 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 of if your pay is not on the card, you should contact your Employer immediately.

Q: How much can I spend or withdraw?
A: For your safety, Elan limits ATM Withdrawals to $1,000 per day and purchases (including Cash-Back) to $2,500 per day. For ATMs, the owner of the ATM controls how much cash can be taken at one time – usually $200-$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.

Q: Is there a minimum amount I must withdraw on my PayCard?
A: 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 card.

Q: What happens if I lose my PayCard or if it is stolen?
A: You should call PayCard Services immediately at 1-877-755-1474. We will arrange for your card to be replaced, along with any funds that were on the card.

Q: What do I do if my card does not work?
A: If your card is not working, call PayCard Services toll-free at 1-877-755-1474.

Q: How do I know my money is safe?
A: All Elan PayCard funds are held and managed by US Bank, the 6th largest bank in the U.S. with more than $200 Billion in assets, and PayCard funds are FDIC insured.

Q: What do I do if an incorrect purchase is on my PayCard?
A: You should first contact the retailer to resolve the issue. If it is not your purchase, call us immediately at 1-877-755-1474.

Q: What do I do if I lose or forget my PIN, or someone unauthorized has access to it?
A: 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.

Q: Why do I need my Password?
A: 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.

Q: I left my Employer. Can I still use my PayCard?
A: All PayCards are transferable. Your new Employer does not need to be a Elan 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 your Elan PayCard.

Q: Do I get a Statement?
A: 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 PayCardConnect.com, or can be obtained via phone at a small cost.