PAYROLL CARD FREQUENTLY ASKED QUESTIONS

Card Basics

What is a payroll card?

A payroll card is a prepaid card that is loaded with your net pay. You keep the same card and it is reloaded each pay period. You will continue to receive a pay stub showing what you’ve earned and how much has been added to your card. The card is convenient in that you avoid the risk of carrying cash and eliminate the cost of cashing checks.

Is the Payroll Card a credit card?

No, your card is not a credit card. You can only spend what you have earned or the funds paid to you by your employer.

Is my card like a debit card?

Yes and no. Like a debit card, you can spend only the funds available. However, unlike a debit card, you do not have a bank account associated with the card.

How do I activate my card?

Your Payroll Card must be activated before you can use it by calling the toll-free number displayed on the sticker on the front of the card. You will be issued a temporary Personal Identification Number (PIN), which you’ll be asked to change upon activation. Once your card has been activated, you will not need to repeat this process unless you are issued a new card.

How do I know when my pay has been loaded onto my card?

Your net pay is automatically loaded on your individual card each pay period by the start of the workday.

Is my money secure on my card?

Yes. Your card can only be used to withdraw cash by entering your unique PIN.

Are there any fees associated with the card?

Yes. However, there is no cost to you to use the card at a merchant,* and there are no fees for calling Bank Card Services at 866 225-2218 or accessing the Payroll Card website for balance inquiries. Please see your Terms & Conditions for more information on fees.

Will my card ever expire?

Your Payroll Card is good for two years. Thirty (30) days prior to your card expiration date, you’ll receive a new card with a new expiration date. If you were to stop using your card for some reason other than termination of employment, the money on your card is still yours.

Card Usage

How can I use my card?

You may use your card to obtain cash at an ATM and pay for purchases at merchants accepting Visa debit cards.

Where can I use the card?

The card is welcome at ATMs displaying the NYCE, Plus or Visa logos, including all TD Bank ATMs. It is also welcome at merchants who accept Visa debit cards.

What if I want to change my PIN?

There are two ways to change your PIN: 1) at the Payroll Card website, and 2) by calling 866 225-2218, toll-free. You can select any four-digit PIN. It is recommended that you not select the last four digits of your Social Security Number, your date of birth, or telephone number, as someone unauthorized to use your card could readily identify this.

Should I let someone else use my card?

Absolutely not. Keep your card and the card number under your control at all times. Do not tell anyone your PIN or write your PIN on the back of your card.

How do I access funds or balance information using an ATM?

Insert your card in the machine and follow the instructions for entering your Personal Identification Number (PIN). Once your PIN has been entered successfully, you can choose to withdraw funds or perform a balance inquiry.

How do I use the card to make a purchase?

Look for the Visa debit card logo on the door or near the cash register to determine if the merchant is a participating merchant. You will swipe your card at a special terminal near the cash register and identify the transaction as a “credit” transaction. You will need to sign the receipt to complete the transaction. Many participating merchants will also allow you to get additional cash back from the transaction if you choose. See the Terms & Conditions for using your PIN to perform debit transactions.

How can I get my entire pay including the dollars and cents that are not available from an ATM?

You may perform a Visa cash advance at any bank to obtain the entire amount of your net pay. You should first either call the VRU at 1-866-225-2218 toll free, or log onto the website https://www.onlinepaycard.com/paycard to obtain your card balance. You will need to provide the balance to the teller. If a cash advance is performed at a non-TD Bank bank, that bank may charge you a fee. Any dollar amount not used within a given pay period is carried over to the following pay period and remains on your card as a balance.

How do I know how much money I’ve spent and what’s left?

You can also do a balance inquiry at any other ATM displaying the Visa, NYCE or PLUS logos, but if it is not a TD Bank ATM, the financial institution that owns and operates the ATM may charge a fee. They must disclose that fee for each ATM transaction before the transaction is completed. You can also get your transaction history anytime at no charge by calling the toll-free number on the back of your card (1-866-225-2218). Or, you may get your transaction history and balance at the website https://www.onlinepaycard.com/paycard.

What happens if I lose my card, or it is stolen?

If your card is lost or stolen, you should call your employer immediately. You should also call Bank Card Services at 1-866-225-2218 at any time, day or night. Follow the recorded instructions. Bank Card Services will close your card so that any fraudulent activity is kept to a minimum. A new card with your name embossed on it will be sent to you within approximately seven business days. When you receive the new card, you should call Bank Card Services at 1-866-225-2218 to select a new PIN and activate your new card. There is a $15 replacement fee that will be deducted from your card balance, as well as a $50 express delivery fee if you request that the replacement card be sent to you by express delivery.

Will I be liable for any purchases that are made before my card is closed?

If you lose your card, it is like losing cash. It is very important to contact your employer and Bank Card Services as outlined above, in order to keep your losses to a minimum. You will not be liable for unauthorized purchases made with your Payroll Card when it is used as if it were a credit card; that is, when identified as a “credit” transaction that is signed for with your signature. Please see the Terms & Conditions for further information regarding the fraudulent use of the Payroll Card and/or PIN when PIN based transactions are made with your Payroll Card.

What happens if I terminate employment?

Upon termination of employment, your Payroll Card shall expire and no longer be valid for use. Upon expiration of your Payroll Card, your employer will issue you a check for any remaining balance on your Payroll Card. Prior to such a reimbursement, all transactions on your Payroll Card must be cleared which could take up to 10 business days.

Would my card be terminated under any other circumstances?

Your card will be terminated after 5 consecutive PIN failures or 5 consecutive transaction rejections. This is to keep fraudulent use of your card to a minimum. A transaction rejection can occur when there is not enough money on the card to cover the purchase you wish to make. Repeated attempts will cause repeated rejections.