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Can I (the adult) have a MONEY card in my name?
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.
Are there any transaction limits on the MONEY Card?
Yes. The transaction limits for MONEY are as follows:
If the young adult is a minor:
If young adult is at least 18:
When will I receive my Card in the mail?
In order to get the young adult faster access to their money, we’ll expedite their new MONEY Card by FedEx, which will arrive in 1-3 business days. Replacement Cards will be sent by standard mail. Bear in mind, if you listed a PO Box as your mailing address or chose to defer funding on the account, we’ll ship the Card by standard mail (3-5 Business Days).
If you live in an Apartment complex, FedEx drivers use their discretion to determine whether or not to leave a package. If the driver chooses not to leave the package, they will leave a delivery notice which will provide instructions on scheduling a pickup or delivery. The driver will attempt delivery three times before the package is returned.
How do I activate my Card?
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!
Where can I use my Card?
Use your Card anywhere MasterCard is accepted, including any ATM that has the Allpoint® or MasterCard® symbols on it.
What if my Card is damaged and is no longer working?
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.
What is this Card considered – a Debit Card or a Credit Card?
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.
Can I use my Card overseas?
Sure, you can use your Card anywhere you see the MasterCard® 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. If you have any questions or problems when you’re traveling you can give us a call at our collect international number 302-658-9593.
To notify us of your travel plans, just follow these simple steps:
Please Note: When using your Card(s) for transactions made in foreign currency or for what MasterCard® classifies as a cross-border transaction, a charge may be applied by MasterCard® (if it’s in a foreign currency, this will be based on the amount after it’s converted to U.S. Dollars by MasterCard®).
Are there any charges for using the Card?
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.
I am making an online purchase transaction and it is asking for a ‘CVC’ or Security code – where can I find that on my Card?
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.
Why is there a transaction for $1.00 or an amount greater than my actual transaction amount in my 'Pending and On Hold' section?
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.
Why is the pending amount of a charge greater than the actual amount of the charge?
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.
Why are there two charges showing for the same Card purchase that’s already posted? One lists my funds on hold under the ‘Pending’ section and the other is under ‘History’.
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.
How can I remove a pending transaction that I approved?
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.
What do I do if my Card is about to expire?
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.
What do I do if my Card is expired?
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 1-800-289-1992.
How do I notify you of my travel plans?
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:
What is Apple Pay™?
Apple Pay’s a new payment service that’ll be available from Capital One® and Apple® on the new iPhone® 6 and iPhone 6 Plus in October. It’ll let you sync up your Credit or Debit Cards with your iPhone so you can use it to make purchases at over 220,000 of your favorite stores and online at participating merchants. Stay tuned for more details about Apple Pay when it’s released in October.
How can I use Apple Pay™?
You can make payments using Apple Pay in a few different ways:
To pay using your iPhone, just hold it near the contactless reader with your finger on the Touch ID. You’ll feel a subtle vibration and hear a beep to let you know your payment was successful.
When using an app that supports Apple Pay, you’ll see it listed as an option to make a purchase. Just select the “Apple Pay” option and place your finger on the Touch ID.
To pay using your Apple Watch, just double click the button next to the Digital Crown and hold the face of your watch near the contactless reader. Just like if you were to pay with your iPhone, you’ll feel a subtle vibration and hear a beep to let you know your payment was successful.
How do I load my Card into Apple Pay™?
If you don’t already have a default payment card stored in your iTunes, here’s how you can add one via your iOS device:
There are a few different steps you’ll need to follow if you want to add your card info to iTunes via a computer or if you need to set up a new iTunes account. Learn More Opens a new window
Is Apple Pay™ secure?
Yup, it’s convenient and secure. Instead of using your actual card number, your iPhone assigns, encrypts and stores a unique digital code for each card you upload. When you go to make a purchase, your card’s unique digital code and a transaction specific security code are used to complete the payment. Your actual card number is never shared with the merchant or transmitted with the payment, and Apple doesn’t store the details of your transactions so they can’t be tied back to you.
When is Apple Pay™ going to be released?
Apple Pay will be released in October as part of the iOS 8 update. Once it’s released, it’ll allow you to take advantage of the mobile payment option at over 220,000 stores, restaurants, and other participating merchants. And there are even more stores and apps to come.
Which Cards are eligible for Apple Pay™?
You can take advantage of Apple Pay by synching up your 360 Checking or MONEY Debit Cards.
What is the Capital One Wallet app?
Capital One Wallet is a new app that lets you stay on top of your spending and get the most out of your 360 Checking or MONEY Debit Cards on the go. It’ll give you real-time purchase notifications and detailed purchase info on all your spending. Learn More Opens a new window
How can I download the Capital One Wallet app?
Downloading the Capital One Wallet app is a piece of cake. Here’s how: