Or below are some frequently asked questions and answers.
The Care.com Money Prepaid Mastercard, issued by Sunrise Banks N.A., Member FDIC, is a reloadable prepaid card that can help you manage your money. Fund the card, and then use it for purchases and cash back everywhere Debit Mastercard is accepted. You can also get cash using ATMs with the Mastercard logo and pay bills either online or by phone.
To improve image quality, place the check on a dark, flat surface free of other paper. Be sure the check is completely inside the box on your phone’s screen. Keep the original check for 90 days as proof of your transaction.
Follow these tips to ensure your check images are acceptable:
Original checks drawn on U.S. financial institutions in USD, payable to and endorsed by the depositor are accepted. Please see the Care.com Money Mobile Check Deposit User Agreement for terms and restrictions.
The following types of checks cannot be used for mobile check deposit:
Care.com Money Prepaid Mastercard Limits
|Maximum card balance||$10,000 total|
|Maximum amount of all loads||$2,500 per 24 hour period|
|Maximum number of loads||3 during any 24 hour period|
|Maximum amount of any direct deposit||N/A|
|Minimum amount of any check||N/A|
|Minimum amount of any rePower load||N/A|
|Minimum load amount for ACH bank transfer||$25|
You can use your card and PIN to withdraw cash at any ATM with the Mastercard logo.
Additionally, some Mastercard merchants will allow you to get cash back when you use your card and PIN to make a purchase.
Yes. Here are the Care.com Money Prepaid Mastercard transaction limits:
|Daily limit for transactions to withdraw cash from an ATM||$500/transaction, $500/day, 3 transactions/day|
|Daily limit for cash back from merchants||$500/day, 3 transactions/day|
|Daily limit for all other kinds of transactions, including purchases at Mastercard Merchants||$3,500/transaction $3,500/day|
|Daily Limit for ACH transfers out of the card account/Bill Payments||$2,500/day, 3 transactions/day|
|Daily limit for all transactions||$3,500/day|
As with any card program, when the Care.com Money Prepaid Mastercard is used for certain kinds of transactions, the merchant accepting the card may request advance authorization for an estimated amount of the transaction. This is usually because the final purchase amount is not known at the time you present your card. For example:
If you believe that you have lost your Care.com Money Prepaid Mastercard, you can “lock” the card right from the Care.com Money Prepaid Mastercard app by going to “Account Settings” in the main menu, selecting “Manage Card,” and then “Lock My Card.” If you find your card, you can then just go back into the app and “unlock” the card to use the card normally.
If the card is permanently lost or stolen, you can report it lost/stolen by selecting “Account Settings” in the main menu, “Manage Card,” then selecting “Report Card Lost/Stolen.” Review your transaction history to make sure no unauthorized purchases were made. You can also call 1 (855) 978-7011 to file a report. If your card has been used for unauthorized purchases, a customer support agent will be able to assist you with the dispute process.
There are no annual, set up, monthly service, or overdraft fees, and no minimum balance requirements with the Care.com Money Prepaid Mastercard. However, certain transactions made with the card may incur a fee. Please see the chart below for more information.
|Fee||Fee Description Online/Statement||Fee Amount||Details|
|Cash Reload||Card Load||$4.95||We will not charge a fee. The “Mastercard® rePower” location may charge a fee up to $4.95 when reloading your card. This fee is subject to change.|
|ATM Withdrawal (Domestic)||ATM Withdrawal Domestic||$0||We do not charge a fee. The ATM operator may charge you a fee, even if you do not complete a transaction. You can request cash back, at no charge, by selecting “Debit” and entering your PIN when making a purchase at a retail location.|
|Financial Institution Withdrawal||Over Counter Fee||$0||We do not charge a fee. The financial institution may charge you a fee. You can request cash back, at no charge, by selecting “Debit” and entering your PIN when making a purchase at a retail location.|
|Using your Card outside the U.S.|
|International Purchase||Merchant Name and Location (variable)||1%||Transactions made in currencies other than U.S. dollars will be converted to U.S. dollars. Conversion fee applies to all Transactions made outside of the U.S and is determined by Mastercard network using current conversion rates. This fee is included in the total amount of the settled Transaction.|
|International ATM Withdrawal||ATM Withdrawal International||$3.00||This is our fee. You may also be charged an additional fee by the international ATM operator, even if you don’t complete a transaction. The international ATM Operator may also charge you a currency conversion fee, or other use of their ATM.|
|International ATM Balance Inquiry||Balance Inquiry International||$0||We do not charge a fee. The international ATM Operator may charge you a fee for the use of their ATM even if your do not complete a transaction.|
The Care.com Money Prepaid Mastercard app tracks your first 30 days of purchases, puts them into spending categories, and then automatically suggests budget amounts to help you manage your spending. You can always add, delete, and edit the budget categories and suggested amounts.
With the Care.com Money Prepaid Mastercard app, you can easily see if you’re spending within your budget or at a rate that is below or above your estimated budgets.
You can set goals to automatically set money aside for larger purchases or to plan ahead. Using the Care.com Money Prepaid Mastercard app, set up a goal to automatically transfer money from your spending balance towards the goal as frequently as you want. While funds are held as part of a goal, they aren’t part of your available spending balance.
Once you reach a goal, you can either transfer the money into your bank account (ex. if your goal is for emergency funds that you want to keep in a savings bank account), or if you’re goal is a purchase that you’re going to use your Care.com Money Prepaid Mastercard for, you can delete the goal to transfer the money into your available spending balance.