Thank you for choosing the CCS Visa Prepaid Card. The following information will provide helpful tips on how to use your card and highlight some of the features and benefits to you the Cardholder. Complete terms and conditions, including all fees, for your CCS Visa Prepaid Card account can be found in the Cardholder Agreement.

Will the CCS Visa Prepaid Card help me build credit?

The answer is no. This card is not a credit card it is a prepaid debit card. No credit checks are performed.

How many Cards can I have registered to my name?

You are allowed up to 3 registered CCS Visa Prepaid Cards registered to your name.

I didn’t pass the ID Verification process, what do I do now and can I still purchase a card?

If you didn’t pass the verification process don’t worry, you have 2 options and both allow you to purchase a card:

1. For full access the CCS Visa Prepaid Cards’ features and benefits you can provide the required documentation that verifies your identity. According to the 4USA Patriot Act, we are required to obtain, verify and record each person that opens a card account. When you open a Card Account, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
2. If you choose not to provide information to verify your identity, you can choose to cancel the transaction or leave the store with your new CCS Visa Prepaid Card that is Non-Reloadable with no cash access. You can still use the card anywhere Visa debit cards are accepted in the US without access to ATMs or Cash back transactions.

How do I activate my newly purchased CCS Visa Prepaid Card?

If you just purchased your CCS Visa Prepaid Card at a Continental Currency Services Store, your card is already active and ready to use. Start using it now! You can use this card until you receive your personalized card in the mail.

If you just received your personalized CCS Visa Prepaid Card in the mail, call the number on the back of your card for activation. When you activate your personalized card, your instant issue card will be deactivated.

How do I activate the CCS Visa Prepaid Card that I just received in the mail?

If you have just received a card in the mail it is in NOT active. You must log into www.CCSPrepaid.com or call 844-378-6301. You must activate your card and set a PIN before you can use it.

If I am receiving my Government Benefits or Payroll Check on my card via Direct Deposit and I replace my card because it’s lost, stolen or damaged will I have to contact my employer or benefits provider to change anything?

No, although the card number on the front of the card may have changed, your card account number used for Direct Deposit remains the same.

If you have set up any automatic payments using your 16-digit card number, you will need to update the information for the Payee to reflect any changes i.e. card number (if changed) and expiration date.

How do I check my balance and view my transaction history?

You have 3 ways to access your account information:

1. Website
   • You can visit www.CCSPrepaid.com at any time to check your balance, review transactions, print a direct deposit form, and much more. When logging in for the first time you must enter your card number and register as a user.
2. Mobile App (COMING SOON)
   • If you are using your mobile device to access www.CCSPrepaid.com, we recommend that you download the mobile app for a better user experience. Access the same information on the go! Direct Deposit form only available on the website.
3. Toll free number
   • Call customer service at 844-378-6301 for addition assistance.

Don’t forget to sign up for text or email alerts through the website or mobile app (coming soon) for up to the minute alerts to keep you informed on your account activity!

(Standard message and data rates may apply)

I would like to have CCS Visa Prepaid Card with my name on it. How can I get a personalized card?

Once you have purchased your card at a Continental Currency Services store location and you have passed the ID Verification process a card with the name you provided to the CCS Store Representative will arrive at the address provided within 7-10 business days.

How do I add funds to my card?

There are several ways to add funds to your card, please review the cardholder agreement for additional details on load limits and fees:

1. Load your card via cash or check at any CCS Retail location.
2. Have your paycheck or government benefits deposited onto your card at no charge. Provide your employer with the account and routing numbers (these can be found online or through the customer service number).
3. Load by transferring funds from your verified bank account to your card account.
4. Receive funds from other CCS Visa Prepaid Cardholders.
5. Have your tax refund deposited onto your card at no charge.

How do I set up Direct Deposit?

When you sign up for Direct Deposit using your CCS Visa Prepaid Card you get faster access to your pay or benefits. No more waiting for your check! There is no cost for this service and no separate enrollment is required.

Direct deposit is:

• No Cost– there’s no charge to enroll or receive your pay through direct deposit
• Easy – Set up your recurring pay or benefits check
• Safe – Your money is FDIC insured through Community Federal Savings Bank; Member FDIC

Complete a direct deposit form available at a CCS Store Location or download a prefilled Direct Deposit from at www.CCSPrepaid.com and give it to your employer or ask them for their form.

You can use the information detailed below to complete any direct deposit form:

Bank: Community Federal Savings Bank
Routing number: 026073150
Account Number: is available under the Direct Deposit section at www.CCSPrepaid.com or by calling 844-378-6301. It is a 13-digit number beginning with 650 and will end with the last 10 digits of your card number.

Another option is calling the number on the back of your card. For your convenience, you can set this up through the IVR (Interactive Voice Response Unit) and we will help by faxing the form directly to your employer at no charge.

I have more than one employer or I have government benefits and a regular paycheck, can I use Direct Deposit for both?

Yes! You will need to fill out their form or provide the form you can download at www.CCSPrepaid.com for each source of Direct Deposit.

How do I sign up for direct deposit of my government benefits?

Have your recurring government or other benefits payments such as Social Security, SSI, Veterans, unemployment or child support automatically loaded onto your card. Simply download a direct deposit form from www.CCSPrepaid.com and give it to your local benefits office or call one of the telephone numbers below.

When you call to add your federal benefits, be ready with your 12-digit federal benefit check number and the amount of your most recent federal benefit check.

The most common numbers to call are (this list is not all inclusive and is subject to change):

Social Security Administration: 800-772-1213 for retirement or SSI benefits
Department of Veterans Affairs: 877-838-2778 for pension benefits
Child Support or Unemployment: Contact the state or local agency that issues your benefits checks.

(Please note: the government benefit payment payee MUST be in the same name as the cardholder. Spouses or children cannot use direct deposit to receive government benefits.)

Can I use direct deposit to add my tax refund to my card account?

Yes!  Having your refund put directly on your card will allow you to have immediate access to your funds after the IRS processes your refund.  You can have your tax refund added directly to your card account by using the information below:

Bank: Community Federal Savings
BankRouting number: 026073150
Account Number: is available under the Direct Deposit section at www.CCSPrepaid.com or by calling 844-378-6301. It is a 13-digit number beginning with 650 and ends with the last 10 digits of your card number.

For more information on how to have your tax return deposited to your CCS Visa Prepaid Card visit the IRS Forms and Publications section at http://www.irs.gov or call 800-TAX-FORM (800-829-3676).

Tax refunds MUST be in the name of the primary cardholder or they will be returned.

Are there retail locations where I can load funds?

Find a list of load locations

There is a small fee to add cash when you visit these locations. Your funds will be available to use immediately, just hand your card and cash to the CCS Representative.

USING MY CARD

Where can I use my card for purchases?

Places you can use your card: If you have passed the USA Patriot Act verification, you can use your card anywhere Visa debit cards are accepted including purchases in stores and online.

If you did not pass the USA Patriot Act verification, you can use your card for merchant transactions only, you will not have the option of taking cash from your card. Your card is for Domestic use only.

When using your card at a merchant location you can pay by choosing credit and signing for the purchase or you can choose debit and enter your PIN. Some merchant will allow you to take cash back when using your PIN for a transaction. Be sure you have the available funds before you choose cash back or the transaction could be declined.

How do I shop online using my CCS Visa Prepaid Card?

Shopping online is easy. Just follow these simple steps:

1. Select the items you want to buy.
2. Proceed to “check out” or follow the prompts from the merchant.
3. Select Visa as your payment option.
4. Enter your 16-digit card number, the 3-digit CVV security code if required (the 3 digits printed next to the signature panel on the back of the card), and your expiration date.
5. Enter the billing address listed on your card account.

NOTE: It is important that you update your card account if you move or change addresses. The address associated with your card will be verified by merchant when using your card online and must match the address you enter as your billing address. To update your address go to www.CCSPrepaid.com or call customer service at the number on the back of your card.

Can I use my card at an ATM?

You can use your card at an ATM for cash access if you passed the ID Verification when you purchased your card and have a full access card. If you are not certain of your card status please call the number on the back of your card.

If you did not pass the ID Verification and opted to keep your card as a non-reloadable, no cash access card then you cannot access your card balance or cash at an ATM.

When using your card at an ATM some import facts to remember are:

1. Look for the PULSE or PLUS Networks.
2. CCS Visa Prepaid card will charge $2.50 to your card for ATM transactions – please see the fee section of the FAQ’s or the Cardholder Agreement for a full list of fees.
3. The ATM owner will charge a “surcharge” for the use of their ATM. Be sure to factor this amount in when getting cash. The ATM surcharge is in addition to the CCS Visa Prepaid Card fee of $2.50.
4. Only $925.00 may be withdrawn from an ATM per day
5. ATM access is not available in Jamaica, Dominican Republic and Vietnam.

What is a surcharge?

In addition to the fee disclosed on your Cardholder Agreement, most ATM operators add an additional convenience fee or “surcharge” to the transaction. This fee is in addition to the $2.50 CCS Visa Prepaid Card ATM Cash Withdrawal Fee.

What happens if I stop using my card?

If you stop using your card, you can request a refund by calling customer service at the number on the back of your card or if have chosen the Pay as you Go plan and you have not used your card for over 6 months, you will be charged an inactivity fee of $5.95 each month until you use your card or the balance has reached $0.00.

How do I get cash at an ATM?

To get cash at an ATM follow these steps:

• Insert your card into the ATM
• Enter your PIN when prompted
• Select “Checking”
• Enter the amount you would like to withdraw, up to the amount of funds on your card or $925.00, whichever is less
• Accept the fee if you wish to proceed
• Take your cash and card

When does my card expire and what happens after it expires?

Your CCS Visa Prepaid Card is valid through the last day of the month that is printed on the front of your card. Shortly before the expiration date, you will receive a new card, with the same card number, but a new expiration date. Follow the instructions to activate your card and set a new PIN. Once the new card is activated, destroy the old card immediately.

What is a Preauthorization hold?

When making a purchase, there are some merchants such as gas stations, car rental agencies, restaurants and hotels that will pre-authorize your card for an amount that is more than the actual purchase.

A preauthorization hold will reduce the available balance on your card until the merchant releases it or it expires. Here are some examples:

Fuel Purchases – If paying at the pump, many gas stations preauthorize up to $100.00 to cover the final authorized fuel purchase. Although you will only be charged for the amount pumped, the amount authorized (up to $100) may be held 7-10 days, or until the transaction settles, whichever is first.

TIP: If you go inside the store to pay, there will not be any holds placed on your card. It is recommended to do this when using your CCS Visa Prepaid Card to avoid any holds on your account.

Restaurants, Nail & Hair Salons, – Some merchants will add up to 20% of the total sale to cover estimated tips. This is common with restaurants (including fast food establishments) and salons. While you may not choose to tip this amount, the hold may remain on your card for 7-10 days, or until the transaction settles, whichever comes first.

Travel – Hotels and car rental companies require a preauthorization hold on your card to cover the total amount of the final bill. The hold that is placed on your account will not be removed until the transaction is settled or the hold expires. Hotels may hold up to 30 days and car rental companies may hold for up to 60 days.

NOTE: During the hold period, you will not have access to the preauthorized amount.

If the merchant no longer intends to settle the preauthorized transaction, you may request to have the hold removed. You’ll need to work with the merchant and have them fax the follow pieces of information to 800-480-9325 (MUST BE ON MERCHANT’S COMPANY LETTERHEAD):

• Account number
• Dollar amount of the transaction
• Authorization code
• Merchant ID
• Date of authorization

Note: If it pertains to a hotel or car rental, please also include the following:

• Copy of complete transaction (in/out times)
• Car must be returned
• Copy of hotel folio that states the cardholder has checked out

We will review the information and as long as everything matches up with the transaction we can release the preauthorization hold and release the funds being held.

What happens if I lose my card or it is stolen?

If you lose your card or it is stolen, contact us immediately at 844-378-6301. Make sure to review all transactions, if you suspect fraud on your account, start the dispute process immediately. Your new card will arrive in 7-10 days and you will need to call the number on the back of the card to activate. Your card will have a new 16-digit card number, if you have set up bill pay directly through one of your service providers please provide your new card number and details required.

What are the Fees and Limits for my card?

Fee Name	Unlimited Purchase Plan	Pay as you go	Note	Exact Fee Descriptor
Monthly Maintenance Fee	$5.95	Free	To be billed to the Card Account 15 days after activation and the same day each month following	Monthly Fee
Annual Fee	$59.98	Free	To be billed to the Card Account 15 days after activation and the same date each calendar year following	Annual Fee
Account Inactivity Fee	Free	$5.95	Assessed after 6 mo. with no balance changing transaction	Inactivity Fee
ATM Cash – Domestic	$2.50	$2.50		ATM Cash Fee- Domestic
ATM Cash – International	$3.95	$4.95	+ 3.0% of the U.S. Dollar amount of the purchase transaction	ATM Cash Fee – Foreign
Cash Loading - CCS Retail Location	$2.95	$2.95	Cash loading at any CCS Retail Location	POS Money Load
Signature POS Purchase – Domestic	Free	$1.00	POS and PIN transaction fees will be capped at $10 per calendar month	Signature Purchase Fee–Domestic
Signature POS – International	Free	$1.00	+ 3.0% of the U.S. Dollar amount of the purchase transaction	Signature Purchase Fee–Foreign
PIN POS Purchase – Domestic	Free	$2.00	POS and PIN transaction fees will be capped at $10 per calendar month	PIN Purchase Fee– Domestic
PIN POS Purchase – International	Free	$2.00	+ 3.0% of the U.S. Dollar amount of the purchase transaction	PIN Purchase – Foreign
Teller Cash – Domestic	$2.00	$2.00		Teller Cash Fee– Domestic
Teller Cash – International	$2.00	$2.00	+ 3.0% of the U.S. Dollar amount of the purchase transaction	Teller Cash Fee – Foreign
Lost/Stolen Card Replacement	$4.95	$4.95		Lost/Stolen Card Replacement Fee
Account to account Transfer fee via web or text*	$1.50	$1.50	Per transaction up to $1500	Card to Card Transfer
Account to account Transfer fee via Customer Service Agent	$1.50	$1.50	Per transaction up to $1500	Card to Card Transfer
Paper Check Fee	$2.50	$2.50	Paper Check Refund	Paper Check Refund Fee
Additional Paper Statement Mailing Fee	$5.95	$5.95	Additional paper statements can be ordered through Customer Service	Statement Mailing Fee
ATM Balance Inquiry Fee Out of Network	$0.50	$0.50	When speaking with c/s or using an ATM	ATM Balance Inquiry

*Standard text rates apply

PURCHASES, ATM TRANSACTIONS AND OTHER LIMITS

Transaction Type	Daily Limit	Maximum Number of Transactions Daily
ATM Withdrawal	$925	5
Signature POS/PIN Purchase	$5000	Based on dollar amount
Unloads at a CCS Retail Location	$5000	5
Teller Cash	$5000	5
Account to Account Transfer	$1500 per day $2500 per 7 day period $3500 per 30 day period	4 10 40

LOAD, RELOAD AND WITHDRAWAL LIMITS

Channel	Transaction Type	Daily Limit	Maximum Number of Transactions Daily
CCS Retail locations	Load/Reload	$7500 Not to exceed $15000 in a 30 day period	4
Direct deposit	Reload	$10,000 Employer Payroll $20,000 Tax Refund Only (subject to Bank review)	4
Money Orders, cashier’s check, or personal check at CCS locations	Reload	$10,000	4

How do I get help?

If you have questions or need assistance, please log onto www.CCSPrepaid.com or call 844-378-6301, the number on the back of your card.