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Terms of Use Orders from this site are accepted from Companies, Government, and Non-profit organizations only.  For security purposes information provided by organizations will be verified.  We do not accept individual consumer card orders as our product is licensed for organization-sponsored use only.   You must accept these terms in order to proceed with the account set-up.

Visa Prepaid Reward Card Cardholder Terms and Conditions

By accepting or using your Visa® Prepaid Reward Card, you agree to be bound by these terms and conditions (the “Terms”).  In these Terms, “Card” means the prepaid card issued by UMB Bank, n.a. ("UMB", "we", "us", or "our"), attached to this card carrier, that gives you access to the balance on your Card. “You” and “Your” mean the person to whom the Card is issued and each person who is authorized to use the Card.

Your Card is a not a debit or credit card. It does not connect in any way to a bank account.  Your Card may be used solely to access and spend the available program earnings in your Card account.  Please protect your Card like cash. Always keep it in a safe place, and keep your Card number, access code, and PIN number confidential. Do not write your access code, PIN number, or any versions of these numbers on your Card.  You are responsible for all transactions you authorize on your Card.  Your Card account balance is not insured by the Federal Deposit Insurance Corporation (FDIC).

Using Your Card

Your Card can be used at all merchants that accept Visa debit cards. Your Card cannot be used to obtain cash.

Your Card may only be used within the United States and should not be given to anyone to use outside the United States.  We will decline any transactions on the Card outside the United States.  If, however, a merchant force posts a transaction outside the United States, you will be liable for that transaction.  In the unlikely event a purchase is made in currencies other than U.S. Dollars, the transaction will be converted to U.S. Dollars under regulations established by Visa International.  Conversion will be at a rate selected by Visa and the conversion rate may be different from the rate in effect at the time of transaction.  You agree that the converted amount shall be deducted from the Card Balance.   

You must activate your Card and sign it before your first use.  Call Card Services to activate your Card and verify your available balance.

Your Card may be used for credit or debit transactions at point of sale (use of a credit transaction is a method of authorizing and conducting the transaction and does not create a credit relationship; this is a prepaid card).  Debit transactions require a PIN. You must select a PIN when activating your Card or prior to the first purchase using your Card.  To select a PIN, call 1-800-242-3725 or visit the website shown on reverse.

Check your available balance before each use.  You may obtain your available balance at any time by calling Card Services, registering for Text for Balance services or visiting the website found on the back of your card.   Depending on the Merchant’s policy, you may be able to use your Card with another form of payment, such as cash, check or another card, to make a purchase. This is known as a "Split Tender Transaction." 

You can only spend up to your available balance or a maximum of $2500 in merchant purchases per day, whichever is reached first. Purchase transactions that exceed your available balance by any amount will be denied at the point of sale.

If you authorize a transaction and then fail to complete the purchase as planned, your authorization will result in a credit hold for the amount of the transaction for up to seven days.

You should get a receipt each time you make a transaction.  Some terminals don't provide receipts if the transaction is under $15.00.  You agree to retain receipts to verify your transactions so they are available in case a question arises about whether a particular purchase was authorized.

You may not use your Card for any illegal transaction.  We reserve the right to deny authorization requests from online gambling merchants.

Payment

Each time you use your Card, the amount of the transaction will be deducted from your available balance. You are not allowed to exceed your available balance by any individual purchase or series of purchases.  Nevertheless, if through unusual circumstances you are able to exceed your balance, you agree to reimburse us, immediately upon request, for the amount by which your purchase exceeded your available balance.  We also reserve the right to debit any negative balance from your current or future program earnings.

Returns and Refunds

Returns and refunds will be processed in accordance with the merchant’s return or refund policy.  The available balance on your Card will be credited for the amount of any returns or refunds, which may take from 3 to 7 days.

If your Card has expired, the Card will not accept a return or refund credit transaction.  In such a case, you must arrange an alternate refund method with the merchant.

Transactions with Tip-Oriented and Gas Station Merchants

Please be aware that some merchants – for example gas stations, restaurants, hotels, salons, etc. – often add a fixed percentage (typically around 20%) to the authorization amount when they swipe your Card to receive approval.  This is done to ensure sufficient funds for tips and incidental expenses. This may result in a decline, or it may result in a hold for the additional amount, which will be removed once the actual transaction has been cleared (usually 3 to 7 days). To avoid a hold in these situations, you can generally ask the merchant to only authorize the amount you have requested. We do not guarantee that the merchant will fulfill this request. To avoid being declined at gas stations, we recommend that you pay the cashier inside for fuel purchases.

Loss or Theft

If your Card is lost or stolen, report it immediately by calling Card Services at 1-800-242-3725.  When reporting a Card lost or stolen, you will be required to provide us with your name, your Card number and other information as necessary for verification purposes.  We will charge a Card replacement fee as set forth in Section 13 of these Terms.

Questions or Errors

In case of errors or questions about your transactions, call Card Services or write to Card Services, P.O. Box 1785, Minneapolis, MN  55440-1785 as soon as possible if you think your balance activity or receipt is wrong or if you need more information about a transaction listed in your balance activity or receipt.  We must hear from you no later than sixty (60) days from the date the problem or the erroneous transaction occurred. You may request a 60-day written history of your transactions at any time.  If 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.

To enable us to research your question, you must provide the following information:

        *   Your name, Card number and identifying information.

        *   Description of the error or the transaction including why you believe it is an  error or why you need more information

        *   The dollar amount of the suspected error.

Disputes

You agree to attempt to settle all disputes related to Card purchases with the merchant who accepted the Card.

Our Liability for Failure to Complete Transactions

If we do not properly complete a transaction initiated by use of your Card on time or in the correct amount according to these Terms, we may be liable for your direct losses or damages. However, there are some exceptions. We will not be liable if, for instance:

        *   Through no fault of ours, you do not have a sufficient available balance on your Card to complete the transaction;

        *   An electronic terminal where you are making a transaction does not operate properly, and you knew or should have known about the problem when you initiated the transaction;

        *   Circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or

        *   Any other exception stated in these Terms applies.

Disclosure of Information to Third Parties

We will disclose information to third parties about your Card or your transactions where it is necessary for completing the transaction; to verify the existence and condition of your Card; to comply with government agency or court orders or as otherwise required or permitted by law; or if you give us your permission.

UMB issues the Visa reward card pursuant to a license from Visa U.S.A. UMB and its third party processor Aimia Proprietary Loyalty U.S. Inc. are required by Visa to report certain information regarding you and your card to the Visa Prepaid Clearinghouse Service (Visa PCS), which is used solely for fraud prevention purposes. You may request and obtain the information reported to Visa PCS about you and your card and dispute or report inaccurate information by contacting Visa PCS at: 

Visa Prepaid Clearing House Service, Customer Service Department, 5005 Rockside Road, Suite 600-27, Independence, OH, 44131

PH 844.263-2111, FX 844.432-3609. PCS Customer Service Department’s business hours are Monday – Friday 9:00 AM – 5:00 PM Eastern Time. For more information visit Visa.com.

 

Card Cancellation

Your Card may be cancelled due to suspected fraudulent or improper use, loss or theft of the Card, or at the request of the program sponsor.

Card Expiration and Unused Balance

Your Card expires at 12:00 midnight CST on the last day of the month embossed on the Card.  This expiration date has been established according to the program rules.  For 60 days after expiration, any remaining available balance will be available by contacting the Card Services number listed on your Card.  We may provide to you a check or issue a new Card at our discretion.  After 60 days, contact the entity that funded your Card for any funds for which you may be entitled.   Claims for any remaining available balance are not an obligation of UMB.

Fees

The following fees may apply to the Card.  Fees will appear in your balance activity as a separate line item relating to that day’s withdrawal.

        *   Card Replacement $10.00

        *   Balance Transfer $10.00

        *   Expedited Shipping Charge $25.00

        *   Check Issuance $10.00

        *   Balance Transfer $10.00

        *   ATM Balance Inquiry Fee $0.75 per inquiry

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A CARD AND REGISTRATION

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 a qualifying account. What this means for you: When you activate a Card, when required to do so we will ask for your name, address, date of birth, SSN or other forms of government ID, and other information that will allow us to identify you if we are required to do so by law.  We may also ask to see your driver’s license or other identifying documents.

You agree: (i) to provide personal information during the registration process and thereafter that is accurate and complete; (ii) to update your personal information, including current email address, as necessary so that it remains accurate and complete; and (iii) not to impersonate any other person, operate under an alias or otherwise conceal your identity. We will use the information you give us, as well as the information we receive from your use of the Card, to facilitate your participation in Card services and for other purposes consistent with these Terms and our Privacy Notice, enclosed with your card or found on the card website.

Other Terms   

These Terms and any part of the Card program are subject to change or may be discontinued any time without notice at the sponsor or issuer’s discretion.  We may transfer our rights under these Terms.  These Terms will be governed by the laws and regulations of the United States and, to the extent not so covered, by the laws and regulations of the State of Missouri.

MasterCard Prepaid Reward Card Cardholder Terms and Conditions

By accepting or using your MasterCard® Prepaid Reward Card, you agree to be bound by these terms and conditions (the “Terms”).  In these Terms, “Card” means the prepaid card issued by UMB Bank, n.a. ("UMB", "we", "us", or "our"), attached to this card carrier, that gives you access to the balance on your Card. “You” and “Your” mean the person to whom the Card is issued and each person who is authorized to use the Card.

1.         Your Card is a not a debit or credit card. It does not connect in any way to a bank account.  Your Card may be used solely to access and spend the available program earnings in your Card account.  Please protect your Card like cash. Always keep it in a safe place, and keep your Card number, access code, and PIN number confidential. Do not write your access code, PIN number, or any versions of these numbers on your Card.  You are responsible for all transactions you authorize on your Card.  Your Card account balance is not insured by the Federal Deposit Insurance Corporation (FDIC).

2.         Using Your Card

Your Card can be used at all merchants that accept MasterCard debit cards. Your Card cannot be used to obtain cash.

Your Card may only be used within the United States and should not be given to anyone to use outside the United States.  We will decline any transactions on the Card outside the United States.  If, however, a merchant force posts a transaction outside the United States, you will be liable for that transaction.  In the unlikely event a purchase is made in currencies other than U.S. Dollars, the transaction will be converted to U.S. Dollars under regulations established by MasterCard International.  Conversion will be at a rate selected by MasterCard and the conversion rate may be different from the rate in effect at the time of transaction.  You agree that the converted amount shall be deducted from the Card Balance.   

You must activate your Card and sign it before your first use.  Call Card Services to activate your Card and verify your available balance.

Your Card may be used for credit or debit transactions at point of sale (use of a credit transaction is a method of authorizing and conducting the transaction and does not create a credit relationship; this is a prepaid card).  Debit transactions require a PIN. You must select a PIN when activating your Card or prior to the first purchase using your Card.  To select a PIN, call 1-800-242-3725 or visit the website shown on reverse.

Check your available balance before each use.  You may obtain your available balance at any time by calling Card Services, registering for Text for Balance services or visiting the website found on the back of your card.   Depending on the Merchant’s policy, you may be able to use your Card with another form of payment, such as cash, check or another card, to make a purchase. This is known as a "Split Tender Transaction." 

You can only spend up to your available balance or a maximum of $2500 in merchant purchases per day, whichever is reached first. Purchase transactions that exceed your available balance by any amount will be denied at the point of sale.

If you authorize a transaction and then fail to complete the purchase as planned, your authorization will result in a credit hold for the amount of the transaction for up to seven days.

You should get a receipt each time you make a transaction.  Some terminals don't provide receipts if the transaction is under id=mce_marker5.  You agree to retain receipts to verify your transactions so they are available in case a question arises about whether a particular purchase was authorized.

You may not use your Card for any illegal transaction.  We reserve the right to deny authorization requests from online gambling merchants.

3.         Payment

Each time you use your Card, the amount of the transaction will be deducted from your available balance. You are not allowed to exceed your available balance by any individual purchase or series of purchases.  Nevertheless, if through unusual circumstances you are able to exceed your balance, you agree to reimburse us, immediately upon request, for the amount by which your purchase exceeded your available balance.  We also reserve the right to debit any negative balance from your current or future program earnings.

4.         Returns and Refunds

Returns and refunds will be processed in accordance with the merchant’s return or refund policy.  The available balance on your Card will be credited for the amount of any returns or refunds, which may take from 3 to 7 days.

If your Card has expired, the Card will not accept a return or refund credit transaction.  In such a case, you must arrange an alternate refund method with the merchant.

5.         Transactions with Tip-Oriented and Gas Station Merchants

Please be aware that some merchants – for example gas stations, restaurants, hotels, salons, etc. – often add a fixed percentage (typically around 20%) to the authorization amount when they swipe your Card to receive approval.  This is done to ensure sufficient funds for tips and incidental expenses. This may result in a decline, or it may result in a hold for the additional amount, which will be removed once the actual transaction has been cleared (usually 3 to 7 days). To avoid a hold in these situations, you can generally ask the merchant to only authorize the amount you have requested. We do not guarantee that the merchant will fulfill this request. To avoid being declined at gas stations, we recommend that you pay the cashier inside for fuel purchases.

6.         Loss or Theft

If your Card is lost or stolen, report it immediately by calling Card Services at 1-800-242-3725.  When reporting a Card lost or stolen, you will be required to provide us with your name, your Card number and other information as necessary for verification purposes.  We will charge a Card replacement fee as set forth in Section 13 of these Terms.

7.         Questions or Errors

 In case of errors or questions about your transactions, call Card Services or write to Card Services, P.O. Box 1785, Minneapolis, MN  55440-1785 as soon as possible if you think your balance activity or receipt is wrong or if you need more information about a transaction listed in your balance activity or receipt.  We must hear from you no later than sixty (60) days from the date the problem or the erroneous transaction occurred. You may request a 60-day written history of your transactions at any time.  If 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.

To enable us to research your question, you must provide the following information

        *   Your name, Card number and identifying information.

        *   Description of the error or the transaction including why you believe it is an  error or why you need more information

        *   The dollar amount of the suspected error.

8.         Disputes

You agree to attempt to settle all disputes related to Card purchases with the merchant who accepted the Card.

9.         Our Liability for Failure to Complete Transactions

If we do not properly complete a transaction initiated by use of your Card on time or in the correct amount according to these Terms, we may be liable for your direct losses or damages. However, there are some exceptions. We will not be liable if, for instance:

        *   Through no fault of ours, you do not have a sufficient available balance on your Card to complete the transaction;

        *   An electronic terminal where you are making a transaction does not operate properly, and you knew or should have known about the problem when you initiated the transaction;

        *   Circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or

        *   Any other exception stated in these Terms applies.

10.       Disclosure of Information to Third Parties

We will disclose information to third parties about your Card or your transactions where it is necessary for completing the transaction; to verify the existence and condition of your Card; to investigate possible fraud or misuse of the Card; to comply with government agency or court orders or as otherwise required or permitted by law; and as described in the Privacy Notice enclosed with your card or found on the card website.

11.       Card Cancellation

Your Card may be cancelled due to suspected fraudulent or improper use, loss or theft of the Card, or at the request of the program sponsor.

12.       Card Expiration and Unused Balance

Your Card expires at 12:00 midnight CST on the last day of the month embossed on the Card.  This expiration date has been established according to the program rules.  For 60 days after expiration, any remaining available balance will be available by contacting the Card Services number listed on your Card.  We may provide to you a check or issue a new Card at our discretion.  After 60 days, contact the entity that funded your Card for any funds for which you may be entitled.   Claims for any remaining available balance are not an obligation of UMB.

13.       Fees

The following fees may apply to the Card.  Fees will appear in your balance activity as a separate line item relating to that day’s withdrawal.

        *   Card Replacement id=mce_marker0.00

        *   Expedited Shipping Charge $25.00

        *   Check Issuance id=mce_marker0.00

        *   Balance Transfer id=mce_marker0.00

        *   ATM Balance Inquiry Fee $0.75 per inquiry

14.       IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A CARD AND REGISTRATION

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 a qualifying account. What this means for you: When you activate a Card, when required to do so we will ask for your name, address, date of birth, SSN or other forms of government ID, and other information that will allow us to identify you if we are required to do so by law.  We may also ask to see your driver’s license or other identifying documents.

You agree: (i) to provide personal information during the registration process and thereafter that is accurate and complete; (ii) to update your personal information, including current email address, as necessary so that it remains accurate and complete; and (iii) not to impersonate any other person, operate under an alias or otherwise conceal your identity. We will use the information you give us, as well as the information we receive from your use of the Card, to facilitate your participation in Card services and for other purposes consistent with these Terms and our Privacy Notice, enclosed with your card or found on the card website.

15.       Other Terms   

These Terms and any part of the Card program are subject to change or may be discontinued any time without notice at the sponsor or issuer’s discretion.  We may transfer our rights under these Terms.  These Terms will be governed by the laws and regulations of the United States and, to the extent not so covered, by the laws and regulations of the State of Missouri.