Pay Card FAQs
What is a Pay Card? Accordion Closed
Northern Arizona University now issues a pay card through a prepaid pay card instead of mailing traditional paper checks. The Pay Card is a Visa®-branded card account from Bank of America, which allows direct deposit of your salary when you do not have a traditional bank account or when you do not want your payment deposited electronically into an existing bank account. This is a prepaid pay card with your salary, not a credit card.
This deposit account is Federal Deposit Insurance Corporation (FDIC)-insured and follows all Regulation E requirements for consumer protection. The employee has access to their funds 24 hours a day, 7 days a week via purchases everywhere Visa debit cards are accepted, ATMs and pinned point-of-sale (POS) terminals, as well as over-the-counter cash access through tellers at any Bank of America, or other Visa bank or credit union location.
Why am I receiving a Pay Card? Accordion Closed
You are receiving a Pay Card because the only methods of payment for your salary are either direct deposit or pay card. If you have not provided an account for direct deposit you will automatically be sent an NAU Pay Card. You can elect to sign up for direct deposit in LOUIE.
May I get a paper check instead of a Pay Card? Accordion Closed
NAU no longer issues paper checks as a rule. If you do not want to receive your salary on a pay card, you can elect to sign up for direct deposit.
What are the benefits of having a Pay Card? Accordion Closed
- No more waiting for checks in the mail. Once you have received your pay card, your net pay for each pay period will be loaded to the card each pay day.
- More secure than carrying cash.
- Used everywhere Visa debit cards are accepted – in stores, online and on the phone.
What will I receive in my Pay Card package? Accordion Closed
The following items are in your card package:
- Pay Card
- Deposit Agreement
- Schedule of Fees
- User guide information
- Safety tips when using the ATM
What if I do not receive my Pay Card package in the mail? Accordion Closed
If you do not receive your pay card package in the mail within ten (10) days after being enrolled you must contact Bank of America customer service toll-free at 1.866.213.4074.
Why does my name appear on the card? Accordion Closed
Your name appears on the card because the pay card is issued to you alone and all salary payments you receive will be loaded onto this pay card for your use.
Do I have to activate my card before I can use it? Accordion Closed
Yes. You must visit online customer service at https://prepaid.bankofamerica.com/CashPay/Pages/Home.aspx or call Bank of America customer service toll-free at 1.866.213.4074 to activate your card before you can use the card.
What time of day can I make withdrawals or purchases with my card? Accordion Closed
After funds are posted on pay day, you can access your money by making purchases or withdrawing funds 24 hours a day. Your pay is available by opening of business day on the day the funds are to be posted to your card account.
Can NAU view or track my transactions? Accordion Closed
No. For privacy reasons, the NAU is not permitted to look at specific card account transaction details. Only Bank of America customer service representatives may look at your account history with you.
Can using the Pay Card build my credit history? Accordion Closed
The Pay Card does not help establish credit history since this is not a credit card. No credit check is required to receive the card and it is not tied to a credit line.
Can I request a second Pay Card for another individual or can I have a joint account? Accordion Closed
No, you may not. All Pay Card accounts are issued in the name of our employee only, similar to how your pay is issued.
How do I make a Point-of-Sale (POS) transaction? Accordion Closed
A Point-of-Sale (POS) transaction is when you use your Pay Card to pay for your purchase when you are checking out, similar to a credit card transaction. When you use your Pay Card to pay for items you are purchasing, you can choose the debit card option and enter your PIN number to complete the transaction.
Can I get cash at a Point-of-Sale (POS) location? Accordion Closed
Yes, you can get cash back with a pinned POS transaction using your PIN. Many merchants (like grocery and convenience stores) offer the ability to receive up to a certain amount in cash back with a pinned POS purchase. The amounts can vary by merchant, but are usually disbursed in amounts of $20, $40, $50 or $100.
Can I use my Pay Card at any bank, or does it have to be a Bank of America location? Accordion Closed
Yes you may withdraw cash at the teller window of any bank or credit union that accepts Visa. Financial institutions generally display the Visa logo upon entering the location. Remember, Bank of America banking centers may only assist with over-the-counter Cash Access transactions. However, any questions about your account should be directed to the Bank of America customer service website and phone numbers on the back of your pay card.
How can I locate the nearest Bank of America ATM to where I live? Accordion Closed
You can locate the nearest Bank of America ATM by using the Bank of America Online customer service website at https://prepaid.bankofamerica.com/CashPay/Pages/Home.aspx and click the Bank of America ATM locator logo on the left side of the web page.
What if there is no Bank of America branch where I live? Accordion Closed
You may use your card everywhere Visa debit cards are accepted for purchases, including cash back transactions at POS locations, at Visa Plus ATMs, as well as at any bank or credit union that accepts Visa for over-the-counter cash access.
Will I be able to add other funds to my Pay Card? Accordion Closed
No. Only NAU may deposit funds into your pay card account.
Will I earn interest on the funds in my Pay Card account? Accordion Closed
No. This Pay Card account does not accrue any type of interest.
How do I avoid paying fees/charges? Accordion Closed
Fees can be avoided with careful use of your card. There are no fees for the following:
- Purchases from merchants that accept Visa debit cards.
- ATM withdrawals at domestic Bank of America ATMs
- One free teller cash access per week at any bank or credit union that accepts Visa.
- Unlimited balance inquiries at ATMs and online customer service at: https://prepaid.bankofamerica.com/CashPay/Pages/Home.aspx
- Unlimited automated customer service inquiries.
How do I know if my ATM is charging me a surcharge or convenience fee? Accordion Closed
Read all of the ATM messages carefully. You will not be charged a surcharge or convenience fee unless you agree to it. You may cancel a transaction to avoid surcharge or convenience fees.
You are only charged when you press “Enter” and continue with your transaction.
Is there a fee to activate my Pay Card? Accordion Closed
There is no fee to activate your Pay Card.
Is there a fee to use my Pay Card? Accordion Closed
There are no fees when you use your card for a purchase at a merchant. Many grocery or convenience stores also offer cash back, without a fee, with a purchase. You can get cash from ATMs and tellers at banks and credit unions that accept Visa cards; however, ATM fees may apply.
Is there a fee to check my account balance? Accordion Closed
You can check your account balance free of charge by going to Bank of America Online customer service at https://prepaid.bankofamerica.com/CashPay/Pages/Home.aspx , calling Bank of America automated customer service at 1.866.213.4074 or at any ATM.
Is there a fee if I lost my Pay Card and need a replacement? Accordion Closed
If you lose your pay card or need a replacement for a damaged card, you are allowed one free replacement per year. Additional replacement cards cost $5.00 thereafter. If you lose your card and need a replacement, immediately contact Bank of America customer service toll-free at 1.866.213.4074.
Is there a fee if I use an ATM outside of the United States? Accordion Closed
There is a $3.50 transaction fee from Bank of America for all international ATM withdrawals in addition to any surcharges that the ATM owner may assess.
Where can I get a complete list of fees? Accordion Closed
There is a complete list of fees in the Schedule of Bank Fees in the Deposit Agreement that was mailed to you in your initial pay card package. You can also download Bank of America’s Schedule of Fees.
Is there a daily maximum I can withdraw or use from my Pay Card? Accordion Closed
No. Unlike a traditional bank account, your pay card has no daily purchase or withdraw limit and you have full access to your available balance at any time. However, ATM owners determine how much their ATMs will dispense per transaction and you may need to make multiple withdrawals to take the amount needed. If more cash is required, back-to-back withdrawals can be made.
Is there a limit to the number of purchases I can make per month? Accordion Closed
You can make an unlimited number of Point-of-Sale (POS) purchases per month. You can continue to use your pay card as long as there are enough funds in the pay card account to cover the amount of the purchase. Please remember to keep track of your balance.
What do I do when my Pay Card expires? Accordion Closed
Your pay card is set to automatically renew each two years. You will receive a replacement card in the mail sent to you by Bank of America at no cost during the month before your expiration date embossed on the card.
What happens if the ATM only dispenses in $20 increments and I have less than $20 in my pay card account? Accordion Closed
You may access your funds everywhere Visa debit cards are accepted for purchases, including cash-back transactions at pinned POS locations. In addition, if you would like your full balance in cash, you may perform an over-the-counter Cash Access transaction at any Visa bank or credit union displaying the Visa logo.
Are there any transactions I can make with my Pay Card which will cause a “hold” on my funds? Accordion Closed
Since your pay card functions just like a regular debit card, there are certain types of common transactions where sometimes a “hold” of an estimated amount of final payment will be placed on your account to make sure you have enough money to pay the bill. Hotels, auto rental and restaurant merchants may hold the amount of your estimated bill until final settlement of the transaction, making these funds unavailable for other purchases. These holds may take a few days to be removed, so keep that in mind when making these special types of transactions.
Please remember to always check your available balance before making a transaction.
How can I change my method of payment to direct deposit? Accordion Closed
To sign up for or to change your direct deposit, log in to LOUIE and click on Self Service > Payroll and Compensation > Direct Deposit and enter the required information. You’ll need to know the routing number and your bank account number (usually found on your checks or your bank statement). If you aren’t sure, please contact your bank in order to be certain the information is accurate. NOTE: Deposit Slips often do NOT contain the correct routing information.
Who should I contact when I have questions about my Pay Card account? Accordion Closed
Contact Bank of America customer service toll-free at 1.866.213.4074; their telephone number is also displayed on the back of your card as well as in your user guide information. You may also obtain account information via Bank of America online customer service at: https://prepaid.bankofamerica.com/CashPay/Pages/Home.aspx
What services can Bank of America customer service provide? Accordion Closed
- Change of address
- Check account balance and recent transactions
- Resolve a question about your account statement
- Process account history requests
- Investigate transactions
- Process lost/stolen/damaged card reports
- Request an emergency cash transfer
- Card activation
- Balance inquiry
- Transaction history
- Online funds transfer
- Dispute Form/Affidavit
- ATM locator
- PIN selection or PIN change
Can I use my local Bank of America Banking Center for customer service on this account? Accordion Closed
No. All pay card customer service needs must be directed to the toll-free Bank of America customer service number at 1.866.213.4074. Banking centers can assist with over-the-counter Cash Access transactions, but not with detailed account and balance information for your Pay Card.
What if my card is lost, stolen, or damaged? Accordion Closed
If you lose your pay card, have it stolen or if your pay card is damaged; you must immediately call Bank of America customer service at 1.866.213.4074. The bank will mail you a new card free of charge as there is one free replacement per each calendar year. Additional replacement cards cost $5.00 per card and will arrive within five (5) to seven (7) business days. If you wish for faster delivery, you can elect to have your replacement card sent to you by express delivery; however, there is a $15.00 additional charge for that service.
What happens if I try to make a purchase and there are insufficient funds on my card? Accordion Closed
If you try to make a purchase at any Point-of-Sale (POS) location and there are insufficient funds in your account to cover the purchase, the transaction will be denied. There is no transaction fee if you are denied for insufficient funds. Please check your balance on your pay card before attempting to make a purchase at a POS location.