Money Manager Card Payroll Card

FDIC: Survey's of the Unbanked Market

Pricing

Detailed Pricing

Compare our pricing against other programs. You will see that while others give you free transactions most are limited to 1 or 2 per deposit. With the Money Manager Card you can manage you money better by avoiding fees and spending money the way you want to.

What? Price Comment
Monthly Fee $0.00 We do not charge a monthly fee.
ATM Cash Withdrawals on the Allpoint Network $0.00 We have over 35,000 ATMs where you can get your money for free. If you do not use one of the Allpoint Network ATMs it will not be free (please see below).
Bank Over the Counter (OTC) Cash $0.00 At any United States bank that accepts Visa® cards you can present your Money Manager Card with proper I.D and get cash off of your card.
Overdraft Fees None Unlike most banks we do not authorize card transactions if there is not money in your account.
Online Bank Transfers $0.00 If you want to move money to a bank account in the United States and you know the routing and account number you can do this via your online account.
Card to Card transfers $0.00 If you want to transfer money to another Money Manager Card cardholder you can - over the phone or online. You will have to know the card number of the person you are sending the money to.
Visa PIN Purchase or Signature transactions $0.00 We do not charge to use your card whether it's a PIN transaction or you choose to sign (signature) for the transaction.
PIN Cash Back $0.00 Many grocery, drug stores, and convenience stores let you get cash back. We do not charge for this and actually think it's a good way of keeping the cash you carry to a minimum.
Online Account $0.00 We do not charge for an online account to access your information.
Customer Service $0.00 We do not charge you to talk to live customer service.
Interactive Voice Response $0.00 We do not charge you to check your balance through an Interactive Voice Response (IVR) system.
Deposits to the Card $0.00 We do not charge to put deposits on the card. Deposits have to be from your employer or through another direct deposit system. You cannot add money at retail stores or ATMs at this time.
ATM Inquiries on the Allpoint Network $0.00 ATM inquiries are free on the 32,000 ATM machines on the Allpoint Network.
Card Replacement $0.00 We will replace the card for you free of charge if you can wait 7-10 days for it to arrive. If not we can expedite it for you but that will cost you. See below.

The fees you will pay...

As you can see from above there are many ways to use the card without incurring a fee. However, there are fees associated with the card and they are listed below.

What? Price Comments
Off the Allpoint Network ATM Cash withdrawals $2.75+ Using a non-Allpoint Network ATM will cost you $2.75 or more depending on the fees that the paticular ATM owner charges. We do not control what the ATM owner will charge you. Use an Allpoint ATM - they are always free.
Paper Statements $2.00 Sending a paper statement via United States mail will cost $2.00. You can access the same information from your online account for free.
Expedited Card Replacement $10.00 If you want your card replaced faster then 7-10 days you will have to pay an expedited fee of $10.00.
Bill Pay $0.50 We do have a bill pay service for you to send a person or a company a payment. The person or business being paid has to reside in the United States. This costs $0.50 per payment. It's slightly more than a stamp costs (we pay for the stamp, if needed). Most cardholders use bill pay to pay their rent because most landlords still want a check. More on this in Helpful Hints.
Off Allpoint Network ATM inquires $0.50 If you use an ATM not on the Allpoint Network to check your balance you will be charged $0.50.
90 day Inactivity Fee $3.00 If you do not have activity on your card for a whole 90 days (three months), you will be charged $3.00 a month until there is activity.
Closing your account $10.00 We charge a fee to send you a physical check in the mail when you close your account. If you do not have a balance we do not charge the fee.

International Fees

The Money Manager Card can be used internationally. however the following fees apply:

What? Pricing Comments
ATM Cash Withdrawal outside the United States $4.50 This is addition to the foreign exchange conversion and any fees the local ATM will charge.
ATM Balance Inquiry outside the United States $1.00 It will cost you a $1.00 to check your balance from international ATMs.

Contact Us To Get Started

Employer Frequently Asked Questions

Do I have to change my payroll system?

No. The Money Manager Card program works just like direct deposit. If you offer direct deposit to your employees there is no change to your payroll system.

As a result, some of your employees are forced to use check cashing and payday loan establishments in order to receive their wages.

How does an employee order a card?

The employee fills out a form and gives it to your Payroll/HR personnel and the card is ordered through our customized internet portal.

How do wages get on the card?

Processing wages to the Money Manager Card is the same as processing wages to a bank account via direct deposit. We provide you the account and routing information for the card after the card is ordered through our secure internet portal.

Where is the card shipped to?

We prefer the card be shipped to the work location of the employee. Shipping to the employers address is preferred in situations where the mail may be compromised.

Is the Money Manager Card FDIC insured?

Yes. Funds on the Money Manager Card are insured up to $100,000.

What languages do you support?

We support both English and Spanish.

Is the Money Manager Card secure?

Yes. Direct Benefits takes security very seriously. The cards are backed by Visa’s Zero Liability policy The cards are shipped with an activation sticker. Cardholder have to positively identify themselves in order to activate the card. Unactivated cards will be declined at the point of sale or at ATMs.

What happens when an employee leaves?

Once cards have been issued to employees it becomes their property. If an employee leaves they are free to take the card with them and use with another employer.

Can I mandate a card program?

Depends. Payroll regulation concerning payment of wages to employees is governed by state law. Each state has different requirements and rights granted to employees. While most states are silent on the specific issue of payroll cards it is always best to consult your attorney to ascertain what your legal obligations are under the law.

Do you provide training for our staff?

Yes. As a Money Manager Card program client you have a dedicated Account Manager who coordinates the rollout of your program. In some cases we can provide on-site training for your HR and Payroll personnel. We provide education and awareness materials, videos and presentations to make sure your program is a success.