What’s the thing most people with money find a challenge? We believe that the answer would be managing it. Tangible money is a hassle to deal with. You have to face the constant worry of keeping it safe, especially when you have a hefty amount. If you’re wondering if there is a solution, then good news: there is. Let us introduce you to the FasterMoney Prepaid Card brought to you by ATC Income Tax. With our income tax services, we also offer this versatile card.
Think of it as your year-round financial companion for hassle-free transactions and flexible money management. The following guide will guide you through the intricacies of FasterMoney Card to assist you in unlocking your full potential. From initial setup to navigating account features, this user guide will assist in offering you step-by-step instructions on how to use it.
So, let’s not wait; here’s what you need to know about the FasterMoney prepaid card.
1. Getting Started
For those who received the card while availing of our income tax services, here are some things you need to do for successful card activation:
a. Sign-Up Process:
- To begin, visit our designated sign-up portal.
- Provide all the required information, such as your name, address, date of birth, and other details.
- Once you receive the card from us, complete the identity verification to lock features like reloading and international usage.
b. Activation Steps:
- Once you register for the card, you will receive it in around 5-10 business days.
- Upon receiving it, make sure to activate it for security purposes.
- The card will have a number at the back; initiate a call to complete the activation process.
- You will be asked to provide a four-digit PIN; remember it, as this PIN will help in debit and ATM transactions.
c. Identity Verification:
As previously stated, if you want to use the card’s additional features, complete the identity verification process as FasterMoney Card is a product of MetaBank, Member FDIC, under a license from Visa, U.S.A, Inc. To complete the identity verification process for activation of additional features, you must agree to let us provide your information to the prepaid card providers. ATC Income Tax ensures complete transparency while dealing with both sides.
2. Card Features:
Overview of Card Features:
a. Reload Options:
You can reload the card through various channels, including:
- Direct Deposits Paycheck: If you have a tax return, then through our income tax services, you can directly deposit them into your card, so you have funds available anytime.
- Retailers: You can also load funds into your card through participating retailers.
- “Manage My Card” App: If you wish to top up or reload virtually, then Manage My Card” application makes it possible. With just a touch, you can manage your funds through your virtual account dedicated to the card.
b. Spending Limits:
As per the cardholder agreement, there are certain spending limits you need to be sure of.
- If you have $500 or more in the card’s direct deposit, then the monthly fee is waived.
- If you received it via us, then consult with our experts to learn what other limits may apply for reloading and usage.
c. Security Features:
Here are some security features that make our card safe to use:
- Enjoy Zero Liability protection. It ensures that you won’t be responsible for unauthorized transactions when promptly reported.
- If your card is stolen or lost, call customer support immediately to help you secure a replacement card for your fund’s protection.
Usage Guidelines
Let’s take a look at some guidelines for various transactions:
a. Purchases:
- You can use your FasterMoney prepaid card at any merchant that accepts Visa cards. This offers you a vast range of spending possibilities.
- Service-oriented merchants may charge extra, so be cautious when using your card.
b. ATM Withdrawals:
- You can use your four-digit PIN to access the ATM and withdraw cash.
- Out-of-network ATMs will have additional fees, so be cautious.
- Although we promise fee-free withdrawals, certain fees can be associated with ATM withdrawals. Refer to the cardholder agreement to learn more.
c. Online Transactions:
You are free to use your FasterMoney Prepaid Visa card for online transactions; however, restrictions may apply if you miss out on identity verification done by us.
3. Managing Your Account
Online Account Access:
If you want to manage your funds, then here is what you need to do:
a. Logging In:
- Access your account by visiting the designated online portal.
- Type in your credentials to log into your account securely.
- If you encounter any issues, like forgetting credentials, utilize the “Forgot Username/Password option” and follow the steps for a seamless recovery.
b. Navigation:
Once you log in, the application provides several features that you can use to manage funds. This includes tracking balance, viewing transactions, and managing accordingly. You can check your transaction and balance history through the “Transaction” menu.
Account Settings:
Apart from checking transaction history and tracking your balance, the mobile application lets you personalize the app based on your preferences. Here is how you can do it:
a. Personalization Options:
- If you wish to customize your details, such as contact information or email address, you can do so by accessing “Settings.”
- We provide FasterMoney prepaid cards as an appreciation for using our income tax services. If you received it from us, consider calling customer service to fill in the missing details we left out for security reasons to complete setting up your profile.
b. Notification Preferences:
- Stay informed about your account and card activity by setting up email or text alert notifications.
- You can tailor those alerts to notify you of low balances, approved or declined transactions, and fund loading.
- You can also manage and modify the alert preference within the online portal.
c. Security Settings:
- To ensure your account security, regularly updating your password is a safe practice.
- Consider changing the username and password. You can do it by navigating to the Profile menu in the portal.
- Rest assured that with FasterMoney Prepaid card, your account details are protected via end-to-end encryption and other security measures.
4. Loading and Reloading Funds:
FasterMoney Prepaid Visa cards work on putting your money into the card account and then using the card to spend it. This is referred to as loading. Once the funds end, you can reload it again. Here’s how loading and unloading works:
Loading Funds:
Here’s a breakdown of potential loading options:
a. Direct Deposit:
You can have your paychecks, tax refunds, pensions, and other financial government benefits directly loaded onto your card. Here’s how:
- First, contact the customer service number or visit the web address on your card’s back. From here, you need to get the account and routing number associated with the card.
- If you’re applying for a tax refund, add them to your tax forms and select checking in the refund type in the tax form.
- Make sure your name on the tax form matches the name on the card.
- Next, simply wait for the money to be deposited. Tax refunds can take around weeks to reach you; however, through a prepaid Visa card, you can avail of the refund in a matter of days.
- Contact ATC Income Tax if you want additional assistance with tax refunds, as our income tax services can help the locals of Decatur, Atlanta, and Milwaukee.
b. Cash Reload:
Participating retailers can also help with your prepaid card loading. They are spread throughout the US, so you have countless opportunities to load your card.
c. Check Loading:
You can also load approved checks to your card through your mobile phone. Leverage the Manage My Card App to do it hassle-free. You can receive funds in either minute for a fee or wait around ten days to avoid it.
Reloading Options:
Prepaid cards are not for one-time use. Once the funds have depleted from your account, you can reload them through the same steps above.
5. Security and Fraud Prevention:
Let’s now review the security aspects that FasterMoney Prepaid Visa cards offer:
Security Measures:
Here’s an overview of key features:
a. PIN Protection:
- Each card can only be used through a personalized security pin that you only know. Any transaction you wish to make requires that you provide the PIN first. This way, your transaction is secure.
- You can change your PIN through the Manage My Card App if your PIN is at risk of exposure.
b. Chip Technology:
FasterMoney Prepaid Visa Cards are now equipped with chip technology. These chips encrypt your data to make your cards even more secure.
c. Zero Liability Protection:
If your card gets stolen or lost, rest assured they are protected with zero liability protection. It means you won’t be held responsible for any unauthorized transaction made if the missing card has been promptly reported.
Reporting Lost or Stolen Cards
In the unfortunate event that your card does get lost or stolen, here are some things you may want to do:
a. Contact Customer Service:
- Call the number on the back of your card.
- Get in touch with the live agent and address the situation.
b. Card Replacement:
If the card is lost or stolen, you can request a replacement through us. Simply get in touch to learn more about the process and the fee involved. You can expect the card in around seven to ten business days. Once received, you can again enjoy uninterrupted funds transfer.
Fraud Prevention Tips
Prevention is better than cure. Here are some tips you can follow to ensure you keep your documents, including your Visa Prepaid card, protected:
a. Secure Personal Information:
Ensure that you and only you know your PIN, safeguard your personal information, and be cautious while sharing over the phone or the internet.
b. Recognize Scams:
Be aware of scams and phishing attempts. One way to exercise caution is when receiving any unsolicited communication requesting financial information.
Final Note:
Ultimately, FasterMoney cards are your financial companions for managing your funds. Activating the card is simple, and the virtual app is seamless. You can avail yourself of a lot of features through the card. Although FasterMoney Card is a product of Meta Bank, Member FDIC, under a license from Visa, U.S.A, Inc., you can easily get one from ATC Income Tax to avail of our income tax services. Consider contacting us to learn more about FasterMoney Cards, especially if you reside in Milwaukee, Atlanta, and Decatur.
FAQs
1. What is the FasterMoney Card, and How is it Related to Income Tax Services?
The FasterMoney Card, offered in collaboration with ATC Income Tax, is a versatile prepaid card designed to streamline financial transactions. It’s not just a tax refund tool; it’s a reloadable card usable year-round. ATC Income Tax facilitates the card, ensuring easy access to funds, especially during income tax season.
2. How Do I Activate My FasterMoney Card Obtained Through an Income Tax Services Provider?
If you received your card through us, activate it after completing identity verification. Follow the steps provided in the activation process. This way, you can unlock additional features.
3. Can I Use the FasterMoney Card for Everyday Purchases Outside Income Tax Transactions?
Absolutely! The FasterMoney Card isn’t limited to tax-related activities. Utilize it for everyday purchases, bill payments, online transactions, and even cash withdrawals from ATMs. Enjoy the convenience of a prepaid card all year long.
4. What are the Benefits of Using the FasterMoney Card for Income Tax Refunds?
Receive your income tax refunds quickly and conveniently by loading them directly onto your FasterMoney Card. It’s a secure and efficient way to access your funds without traditional check disbursement.
