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Most importantly, your money is protected with
Mastercard Zero Liability
2
Policy. To report
your card lost/stolen, call 1.877.380.0980.
Request a
new card from your employer and you will
receive further instruction to activate your new card.
It is a prepaid card that does not require a credit check
1
;
therefore, only an identity check is needed and most
people qualify. It allows you to collect and spend your
pay without hassle or inconvenience. A rapid! PayCard
can be used at millions of ATMs and merchant locations
worldwide, wherever Debit Mastercard is accepted.
This card provides you with added safety and security
over carrying cash.
What is the rapid! PayCard?
What is the dierence between the personalized
rapid! PayCard and the instant issue
rapid! PayCard?
When will my payroll funds be available on my
rapid! PayCard?
What happens if I lose my rapid! PayCard?
What should I do?
Is this payroll direct deposit dierent from other
types of direct deposit?
Can I add additional funds to my rapid! PayCard?
WELCOME TO THE RAPID! PAYCARD
Customer Support: 1.877.380.0980
Learn more about the rapid! PayCard® Mastercard® Card.
®
®
The rapid! PayCard® Mastercard Card is issued by MetaBank®, Member FDIC,
pursuant to a license by Mastercard International Incorporated. Prepaid card can be
used wherever Debit Mastercard is accepted. Mastercard is a registered trademark of
Mastercard International Incorporated.
Important Information for opening a Card account: To help the federal government
fight the funding of terrorism and money laundering activities, the USA PATRIOT Act
requires all financial institutions and their third parties to obtain, verify, and record
information that identifies each person who opens a Card account. What this means
for you: When you open a Card account, we will ask for your name, address, date of
birth, and other information that will allow us to identify you. We may also ask to see
your driver’s license or other identifying documents.
1
Because this is not a credit card, your credit will not be checked.
2
Conditions and exceptions apply. Please see website for more information about
Mastercard Zero Liability: www.mastercard.com/general/zero_liability.html
With your PIN, you may use your card to obtain cash from any
Point-of-Sale (“POS”) device, as permissible by merchant that bears
the Mastercard and Accel/Exchange® brand. With your PIN, you may
use your card to obtain cash from any Automated Teller Machine
(“ATM”) that bears the Mastercard, Accel/Exchange®,Allpoint® or
MoneyPass® brand. All ATM transactions are treated as cash
withdrawal transactions.
The first card you receive is the instant issue rapid!
PayCard. It has a Mastercard brand mark but it does not
have your name embossed on it. When you call
Customer Support 1.877.380.0980 to activate this card
you may also request an upgrade to a personalized
card with your name embossed on it at no additional
cost. When the personalized rapid! PayCard arrives in
the mail (7-10 business days) the instant issue card
remains fully usable until you activate your new
personalized card.
Your pay will typically be available by 10:00 am EST in
the morning on your payday. You can check your
balance then or anytime by calling 1.877.380.0980 or
by visiting www.rapidfs.com.
The rapid! PayCard is fully portable. This means that you
can take the card to any other employer (second or
part-time job), regardless of who gave the card to you
and sign up for a direct deposit payment. In addition, you
can direct deposit your income tax refund, social security
benefit, military pension, or any other payment that can
be direct-deposited. Please login to www.rapidfs.com to
access your direct deposit account number or ask one of
our Customer Service Representatives.
Not at all. The funds are deposited on your card
immediately.
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POS Store Purchase (including cash back,where available)
Allpoint® and MoneyPass® ATM Withdrawal
1
Request A Check
U.S. Post Oce Money Order
Electronic Transfer to a bank account
ChekToday convenience checks, request them by calling
the toll-free number for Customer Service (877.380.0980)
Over-the-Counter Cash Withdrawal at banks displaying
the Mastercard® Acceptance Mark (logo)
View your card account balance and activity
View your monthly statement and card account history
Update or change your PIN, address and other information
Sign up for a savings account
2
, Text Alerts
3
and other card
features
Read more about the types of transactions you can make
and get helpful tips
Transfer funds to a companion card or bank account
Get a direct deposit form to have other sources of income
deposited to your card
Convenient Ways to Access Your Pay at no cost
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Accessing Your Card Account
Online — www.rapidfs.com
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By Phone — 877.380.0980
You can access your card account by calling 1.877.380.0980
toll-free and use the automated system for quick access or
to speak with a Customer Service Representative.
Convenient Card Features
Text Alerts
3
Text alerts to your cell phone are the most convenient way
to check your card balance. Available at no additional cost,
you can enroll at www.rapidfs.com and choose your alerts.
Plus, you can get up-to-the-minute balance information by
simply texting “BAL” on your cell phone to 90831.
Cash Back Rewards
2
Make purchases that earn rewards and get cash back each
month. It’s that simple — no promotion codes or coupons
needed. Go to www.rapidfs.com to learn more and view
oers.
Savings Account
2
Take advantage of your card’s Savings Account at no cost.
This interest-bea
ring account is a great way to save for your
future and expenses. This feature also allows you to
schedule auto-transfers. Go to www.rapidfs.com to enroll.
Bill Pay
2
Pay bills online or by phone using the money on your card
for a low, flat fee per bill.
How to Use Your Card
Making Purchases — Wherever Debit Mastercard
is Accepted
• At a retailer — either swipe your card or hand it to the
cashier. For online or phone purchases, follow the
instructions you are given.
• If you choose “debit”, enter your PIN when prompted to
complete the transaction. If you choose “credit”, accept the
amount and sign your name.
• Take yo
ur card and receipt.
Getting Cash Back with In-Store Purchases
(at participating merchants)
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Getting Cash from an ATM
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Refer to this guide for quick, easy answers to the most common questions about the rapid! PayCard.
Customer Support: 1.877.380.0980
RAPID! PAYCARD QUICK REFERENCE GUIDE
Important Information for opening a Card account: To help the federal government
fight the funding of terrorism and money laundering activities, the USA PATRIOT Act
requires all financial institutions and their third parties to obtain, verify, and record
information that identifies each person who opens a Card account. What this means for
you: When you open a Card account, we will ask for your name, address, date of birth,
and other information that will allow us to identify you. We may also ask to see your
driver’s license or other identifying documents.
The rapid! PayCard® Mastercard Card is issued by MetaBank, Member FDIC, pursuant
to license by Mastercard International Incorporated. Prepaid card can be used
wherever Debit Mastercard is accepted. Mastercard is a registered trademark of
Mastercard International Incorporated.
®
®
1
When this transaction is the first transaction after employer wages are loaded to
the Card, the fee associated with that first transaction is waived.
2
This optional offer is not a MetaBank® product or service nor does MetaBank
endorse this offer.
3
While rapid! PayCard does not charge for this feature and service, standard text
messaging, data and cellular rates may apply. Please check with your cell phone
carrier and inquire about fees your carrier may associate with these services.
Swipe your card or hand it to the cashier.
Select “debit” as your method of payment and enter your
PIN on the pad when prompted.
Tell the cashier you want “cash back” and the amount you
would like to receive.
Take your cash, card and receipt.
Insert your card into the machine and enter your PIN when
prompted.
Select “checking” and the amount you want to withdraw.
Accept the fee when asked.
Take your cash and your card.
