No. Only the young adult can have a Card for the account and it has to be in their name. If you’re looking for more immediate access to funds with a Card of your own, check out 360 Checking.
Yes. The transaction limits for MONEY are as follows:
If the young adult is a minor:
If young adult is at least 18:
The young adult’s Card should arrive in the mail at the young adult’s address 5-7 business days after you open your MONEY.
Make sure the young adult has their Card Number handy then follow these simple steps:
Then, start using your Card for purchases anywhere MasterCard® is accepted. Just sign the receipt (or enter your Card PIN) and go!
Use your Card anywhere MasterCard is accepted, including any ATM that has the Allpoint® or MasterCard® symbols on it. You can also use your Card at any PayPass™ location. See where you can use PayPass.
The teen can call 1-888-464-0727 as soon as they realize their Card is not working properly so that we can send out another Card. If they’re calling from overseas and need to have a Card expedited, call 1-302-255-3473.
It’s a debit card because the money for purchases you make is deducted from your MONEY right away. With a credit card, you borrow money to make purchases and pay the amount plus interest at a later time. However, when you’re asked “Credit or Debit?” in the checkout line, you can do either. The merchant is simply asking you if you wish to sign (Credit) or enter a PIN (Debit) to authorize the transaction.
If you use your Card as a PayPass™ purchase for $50 or less, you don’t need to sign for the transaction. However, for your protection, purchases over $50 generally require a signature or PIN to be used. Learn more about PayPass.
Sure, you can use your Card anywhere you see the MasterCard® or PayPass logo. But if you are planning on traveling outside of the U.S., for security purposes, please notify us of your travel plans. That way we’ll know it’s you and not someone else making overseas purchases.
To notify us of your travel plans, just follow these simple steps:
In addition to worldwide cash access, we provide free access to your cash at over 38,000 ATMs in all 50 states through our partnership with the Allpoint® Network (ATM Locator Opens a new window).
If you use your Card for a foreign transaction (any transaction made in a foreign currency or that MasterCard® classifies as a cross-border transaction), we won't charge you anything.
Look on the back of your Card, in the signature line. This is the last three digits you see. As with all aspects of your Card, keep this secure.
When you use your Card for a purchase like filling up your gas tank, many times the merchant puts through an electronic transaction to make sure your account is active and in good standing. This transaction can be for any amount, although most times it’s for a $1.00. Once the merchant completes your transaction (typically 1-5 days) the correct amount will appear in your ‘History' section, and the $1.00 (or whatever the amount was for) transaction will disappear from the 'Pending and on Hold' section.
In the event you make a purchase and you see an amount show up in your ‘Pending' section, but need it to be removed since the merchant canceled the transaction, simply review the necessary steps to have the hold released. Learn how.
There are times when a merchant may submit a charge for an amount that is greater than the actual amount of the transaction. When the transaction posts, it will post for the correct amount.
Sometimes merchants send us a transaction amount that doesn’t match the bill on hold. This happens most commonly at restaurants, where the tip is added to the posted transaction after the merchant has run your Card for the amount of the bill. Because the actual amount charged to your MONEY Card doesn’t match the amount the merchant initially had us authorize, our system can’t match the charge with the amount on hold, so the hold is not automatically removed. The hold will drop off automatically 3 days after it was placed.
There may be times when you need a Pending Transaction to be removed prior to the normal 3 day period. For example, if you give a hotel your Card when booking a room, but when you check out you pay by cash and need access to those funds on hold. Your funds would automatically become available after the normal 3 day period, but if you need access to those funds before that, you can have the hold removed by following these steps:
Once we receive the merchant's authorization to remove the pending transaction, the hold will be removed within 2 business days.
Don’t worry, a replacement Card should arrive by the end of the first week of the month your Card is expiring. Your Card number & PIN will be the same, but the expiration date will change. If you use your Card to pay bills, make sure to give billers the new date to avoid any payment lags. Any bills you have set up through 360 Checking Bill Pay are good to go.
Hang tight, if you haven’t received a replacement Card yet one should arrive by the end of the first week of the month your Card expired. If the week passes and your new Card hasn’t arrived give us a call at 1-800-464-3473.
If you're planning on traveling outside of the U.S. (or even just going far from home), please notify us of your travel plans. That way we'll know it's you and not someone else making purchases with your Card.
To tell us about your travel plans, just follow these steps: