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 Allpoint ATMs and pay bills either online or by phone.
Note: You can also withdraw cash using non-Allpoint ATMs that display the Mastercard logo, but these withdrawals may incur a $2 transaction fee. See the Fees section for more information.
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
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 the card to purchase goods and services everywhere Debit Mastercard is accepted. You can also withdraw cash using any Allpoint ATM, and use the card to pay bills online or by phone.
Note: You can also withdraw cash using non-Allpoint ATMs that display the Mastercard logo, but these withdrawals may have a $2 transaction fee. See the Fees section for more information.
You can use your card and PIN to withdraw cash at any Allpoint ATM. You can also withdraw cash using non-Allpoint ATMs that display the Mastercard logo, but these withdrawals may have a $2 transaction fee. See the Fee Schedule Section for more information.
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.
List of all fees for Care.com Money Prepaid Mastercard per Cardholder Agreement (“Fee Schedule”). Note: You may be charged separate fees by other third parties that may vary by location, institution or operator. Care.com Money Program fees may be subject to change.
|Fee||Fee Description Shown on Your Statement||Fee Amount||Details|
|Cash Reload at Merchant||Card Load||Up to $4.95||We do not charge a fee to load the card. This is a 3rd party fee and may vary by location. There is no fee to access the “Mastercard rePower” network, however merchants may charge up to $4.95 per transaction. Fee accurate as of 8/06/2018.|
|ATM Withdrawal (domestic, in network)||ATM Withdrawal||$0||There are no fees associated with withdrawing cash from an ATM in the Allpoint network.|
|ATM Withdrawal (domestic, out of network)||ATM Withdrawal||$2||We will waive this fee for ATM withdrawal anywhere in the U.S. twice per calendar month. The ATM operator may also charge you a fee, even if you do not complete a transaction. You can withdraw cash from an Allpoint ATM for no fee. You can also 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 the counter withdrawal||$0||We do not charge a fee when you request an over-the-counter cash withdrawal at a financial institution. Some service providers may charge you a fee that may vary depending on the financial institution. 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 transaction||Purchase||1%||For each International Transaction you are charged 1% of the U.S. dollar amount of that transaction, after currency conversion.|
|International ATM Withdrawal||ATM Withdrawal||$3||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. International ATM operator fees will vary depending on the ATM operator. The international ATM Operator may also charge you a currency conversion fee, or other use of their ATM.|
|International ATM Balance Inquiry||Balance Inquiry||$0||We do not charge a fee for international ATM Balance Inquiry. The international ATM Operator may charge you a fee for currency conversion, or other use of their ATM.|
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.