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Union Plus All-In-One Prepaid Visa® Card

FAQs

Getting a Card +

How do I get a Union Plus All-In-One Visa® Prepaid Card?

To order your card, please click here.

Can I order a card for another person?

No. Every cardholder must order their own card.

Can I use my business tax ID # (i.e. EIN) to get a card?

No. You must enroll with your social security number or ITIN to get a card. If you attempt to order a card with your business tax ID # (i.e. EIN), your enrollment will be denied. You will then be required to go through the manual verification process which may include, among other things, providing a copy of your social security card.

Will I have to provide my actual home address to get a card?

Yes. We require you to provide your actual home address to get a card. If you try to order a card with a PO Box, private mailbox, or your business address, your enrollment will be denied and you will be required to go through the manual verification process which will include, among other things, providing proof of your home address.

What if I am unable to receive mail at home?

Contact Customer Service so that we can make other arrangements to get your card to you. You will be required to go through manual verification which will include, among other things, providing proof of your home address.

Toll-Free Customer Service Phone Number: (844) 940-1229

International Customer Service Phone Number: (702) 718-8183

Email: Support@emailunionallinone.com

Chat: Click the Chat option found at the bottom of our website

Mailing Address: Union Plus All-In-One Card PO Box 81888 Las Vegas, NV 89180-1888

Can anyone get a Union Plus All-In-One Prepaid Visa® Card?

The Union Plus All-In-One Prepaid Visa® Card is only available to residents of the United States (50 states and District of Columbia) who are at least 18 years old with a verifiable social security number or ITIN and home address.

Is there a mobile app for the Union Plus All-In-One Prepaid Visa® Card?

You can download the Union Plus All-In-One Prepaid Visa® Card mobile app for Android here, and iOS here.

Can my friend who lives internationally use my address to order a card?

No, each cardholder must have a verifiable home address in the United States (50 states and District of Columbia).

I don't have a residential home address; can I use the address where I'm currently staying?

No, each cardholder must have a verifiable home address in the United States (50 states and District of Columbia).

How long does it take for the card to arrive?

Once your enrollment is completed, your new card should arrive within 10 business days.

Why am I being asked to upload documents for Information Verification?

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

What type of identifying documents do you require me to upload for Information Verification?

Typically we will ask for the following documents, however based on the information request we reserve the right to request/require additional identifying information at our discretion.

- Selfie Photograph - A selfie photograph is a photograph of your entire face taken while you are holding your valid, Government Issued Photo ID. A selfie photograph must be taken at arm’s length when requested and for the sole purpose of uploading. It is not a photograph taken for other purposes that you have stored on your computer.

- Valid Government Issued Photo Identification, such as: Driver’s License or State ID Card. Cannot be expired, cannot be voided.

Fees & Limits +

What fees does the Union Plus All-In-One Prepaid Visa® Card charge?

You can see all our fees here.

How much does it cost to get a card?

There is no purchase fee or activation fee to obtain a card. Other fees may apply when using the card, you can see all our fees here.

When does the Monthly Fee start?

The first Monthly Fee will be applied to your card account on the 1st day of the month after you enroll and begin using your card.

How do I pay the Monthly Fee?

The Monthly Fee will be deducted from your card balance.

How can I lower the Monthly Fee?

You may lower your Monthly Fee by enrolling in direct deposit with a qualifying direct deposit. A qualifying direct deposit is defined as loading $750.00 or more to your card via direct deposit in the previous calendar month. Other fees may apply when using the card, you can see all our fees here.

How much money can I load onto my card?

The maximum balance or value of your card may not exceed $10,000.00 at any time. Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of loads in a single day or additional time period, i.e. monthly.

Please note retailers may have additional limits on the minimum amount or maximum amount you may load to your Card in a single transaction or day.

How much cash can I load per transaction?

Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of loads in a single day or additional time period, i.e. monthly.

Please note retailers may have additional limits on the minimum amount or maximum amount you may load to your Card.

How much can I spend (i.e. purchases)?

Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of the total amount of purchases and cash withdrawals in a single day.

Please note retailers or ATM merchants may impose their own limit of the amount of funds unloaded in a single transaction or day.

How much cash can I withdraw from my card?

Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of the total amount of purchases and cash withdrawals in a single day.

Please note retailers or ATM merchants may impose their own limit of the amount of funds unloaded in a single transaction or day.

How much money can I transfer to another cardholder (i.e. Send Money to a Contact)?

Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of transfers.

How much money can I receive from another cardholder (i.e. Send Money to a Contact)?

Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of transfers.

Customer Service +

What are the Union Plus All-In-One Prepaid Visa® Card Customer Service hours?

Cardholders can contact our US-based customer service 24 hours a day, 7 days a week, 365 days a year. Contact options include phone, email, chat, or by mail.

Toll-Free Customer Service Phone Number: (844) 940-1229

International Customer Service Phone Number: (702) 718-8183

Email: Support@emailunionallinone.com

Chat: Click the Chat option found at the bottom of our website

Mailing Address: Union Plus All-In-One Card PO Box 81888 Las Vegas, NV 89180-1888

Will I receive a monthly statement?

Yes. You can view and download your monthly statement by logging into your account via the My Account login page and selecting the "Statements" link in the left-hand menu.

Is there a fee to contact customer service?

No. There is not a fee to Contact Customer Service

How long will I have access to my previous statements?

You will have access to your previous statements for at least two years.

Loading Funds +

How do I load funds on my Union Plus All-In-One Prepaid Visa® Card?

You may add funds to your card in the following methods:

  • Load cash at any Visa ReadyLink location.
  • Set up Direct Deposit with your employer or benefit provider by providing your routing number and 12-digit account number
  • Transfer money from your bank account to your card account by using your routing number and 12-digit account number.
  • Receive Money from a Contact (another cardholder)

The maximum balance or value of your card may not exceed $10,000.00 at any time. Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of loads in a single day or additional time period, i.e. monthly.

Please note retailers may have additional limits on the minimum amount or maximum amount you may load to your Card in a single transaction or day.

Where can I go to load cash?

With the Union Plus All-In-One Prepaid Visa® Card you literally have thousands of options. You can add money to your card wherever you see the Visa ReadyLink symbol. Click here to find a Visa ReadyLink location near you.

How do I know my money is safe?

The funds in your Card Account will be FDIC-insured once your identity has been verified during the enrollment process. Your funds will be held at or transferred to Metropolitan Commercial Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Metropolitan Commercial Bank fails, if specific deposit insurance requirements are met and your card is registered.

See fdic.gov/deposit/deposits/prepaid.html for details.

How can I link my checking or savings account?

To link your checking or savings account, first check to see if your other bank will allow you to load funds from their website, not all banks have this functionality. Some banks may charge a fee for this service. Please check with your bank to see if they will charge you a fee prior to completing the transaction. Loads take 2-3 business days.

If your bank allows you to load funds from their website you will need your Union Plus All-In-One Prepaid Visa Card routing number and 12-digit account number. To obtain this information, sign into your account via the My Account login page. Once signed in, click on “Direct Deposit” to view your Union Plus All-In-One Prepaid Visa Card routing number and 12-digit account number.

On your bank’s website provide your Union Plus All-In-One Prepaid Visa Card routing number and 12-digit account number. When prompted, identify your Union Plus All-In-One Prepaid Visa Card account as an “External Account”.

Warning: Do not use your 16-digit card number to set up a transfer. Do not try to load your Union Plus All-In-One Visa Prepaid Card using a Bill Pay service as we do not accept loads this way.

Can I load my card using bill pay?

No. We do not accept loads from bill pay services.

How do I enroll in direct deposit to get paid up to 2 days earlier?

You can setup direct deposit by providing your employer or benefits provider your Union Plus All-In-One Prepaid Visa® Card routing number and 12-digit account number. To obtain this information, sign into your account via the My Account login page. Once signed in, click on “Direct Deposit” to view your Union Plus All-In-One Prepaid Visa Card routing number and 12-digit account number. You have the option to email or download the form to give to your employer or benefit provider.

Please note that once you provide your account information to your employer, it may take 2-3 payroll cycles before this information is updated. If you have any questions about the status, please contact your employer or benefit provider as Customer Service will not have any information about this.

Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

How do I setup loading of my Federal Benefits?

You can setup automatic loading of your Federal Benefits by providing your benefits provider your Union Plus All-In-One Prepaid Visa® Card routing number and 12-digit account number. To obtain this information, sign into your account via the My Account login page. Once signed in, click on “Move Money”. From there, click on “Federal Benefits”. This page will provide you instructions on how to fill out the form and includes your routing number and account number.

Please note that once you provide your account information to set up federal benefits to load, it may take 2-3 payment cycles before this information is updated. If you have any questions about the status, please contact the load source, as Customer Service will not have any information about this.

How long does it take to load funds from a linked bank account using my other bank’s website?

It typically takes 2-3 business days (which does not include Saturdays, Sundays, or Federal Holidays). Please check with your other bank to verify how long it will take.

Can I link my business bank account?

No. Your linked bank account must be a personal account and you must be the cardholder.

Can I load funds from my PayPal account?

Yes, you can load funds from your PayPal account by using the Union Plus All-In-One Prepaid Visa® Card routing number and 12-digit account number to link your card as a bank account to PayPal.

Please note: You are unable to complete PayPal purchase transactions using the routing and 12-digit account numbers.

Can I call Customer Service to load or transfer funds for me?

No

Can I load funds with a bank teller?

No. However, with the Union Plus All-In-One Prepaid Visa® Card you can add money to your card wherever you see the Visa ReadyLink symbol. Click here to find a Visa ReadyLink location near you.

How long will it take for my money to become available after it is loaded?

This depends on the method used to load funds.

  • Cash loads are typically available in real time. Keep your receipt until you verify that the cash was properly loaded onto your card.
  • Direct Deposit from your employer or benefit provider is typically available on or before your designated payday. Get access to your money up to two days faster with Direct Deposit*
  • Federal Benefits are typically available on or before the day designated by the federal agency that sent the payment. Get access to your money up to two days faster with Direct Deposit*
  • Loads from a linked checking or savings account are available in 2-3 business days when initiated from your other bank’s website.
  • Money received from a contact (another cardholder) is available in real time.

If you have any questions on funds availability, please Contact Customer Service.

* Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

Enhanced Benefits +

How do I learn more about the All-In-One Enhanced Benefits?

You can visit www.securecardassociation.org or click here.

How do I learn more about the mobile device protection?

You can visit www.securecardassociation.org or click here.

How do I file a mobile device claim and what will I need?

To file a claim, call 1-855-955-6469. You must report the claim within ninety (90) days of the date the portable device was damaged or stolen or the claim may not be honored.

Have the following information ready:

  • Details about what happened to your portable device.
  • Portable device manufacturer, make, and model.
  • Photograph clearly showing damage, if applicable.
  • Covered card statement showing payment of your wireless bill.
  • A copy of your wireless bill.
  • Police report or similar type of documentation establishing that your portable device was stolen.
  • Any other documentation that may be reasonably requested by the claims administrator

How do I learn more about the Guaranteed Issue Term Life Insurance coverage?

You can visit www.securecardassociation.org or click here.

How do I file a Guaranteed Issue Term Life Insurance Claim?

To initiate the process and request a claim form, please call 1-855-955-6469.

Have the following information ready:

  • Insured member’s name, and
  • Insured member’s address.

How do I learn more about the All-In-One Discounts and Perks?

You can visit www.securecardassociation.org or click here.

How do I learn more about the Visa’s Zero Liability?

You can visit www.securecardassociation.org or click here.

How do I learn more about the Visa’s Purchase Protection?

You can visit www.securecardassociation.org or click here.

How do I learn more about the Visa’s Global Customer Assistance?

You can visit www.securecardassociation.org or click here.