PNC PayCard Employee Information Form Please print clearly and provide complete and accurate information.

Transcripción

1 PNC PayCard Employee Information Form Please print clearly and provide complete and accurate information. Personal Information SECTION 1 First Name: Last Name: Client Company: SSN: - - Street Address: City: State: Zip: Home Phone: Business Phone: DOB: / / Mother s Maiden Name: Authorization and Signature SECTION 2 I hereby authorize WorkSmart Systems to pay my wages via the PNC PayCard. WorkSmart Systems will deposit 100% of my wages to my PNC PayCard each pay period by transfer of electronic debits and credits to my PNC PayCard. I grant WorkSmart Systems the right to correct any erroneous overpayments by debiting my PNC PayCard. I understand my wages will be available on my regularly scheduled payday. PNC PayCard holders will receive Terms & Conditions and a complete Fee Schedule with the card issue package. Participation in this program is voluntary and may be ended at my discretion or at the Company s discretion. Employee Signature Date Rev WorkSmart Systems, lnc Crosspoint Blvd. Indianapolis, IN fax Payroll Payroll@WorkSmartPEO.com

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3 The PNC PayCard is a prepaid debit card that s issued with a Personal Identification Number (PIN) for ATM and PIN debit access. As soon as your pay is loaded onto the card, your funds are available to you. The PNC PayCard is better than a check It s safer Unlike cash or checks, your payroll card can be easily and quickly replaced if it s lost or stolen. Plus the Visa Zero Liability policy protects you against unauthorized purchases.* There s no need to carry or hide large sums of cash. It s more convenient Your pay is automatically deposited to your card and ready to use the morning of payday. Use it at millions of places that accept Visa debit cards. You decide to pay fees or not simply by how you use the card. See the fee schedule on the enrollment form or which accompanies your card. It s easier Use your card to rent a car, make a hotel reservation, pay your cell phone bill and more, wherever Visa debit cards are accepted. Get cash at hundreds of thousands of ATM machines in more than 170 countries displaying the PNC, STAR, Allpoint, or Visa name. Get cash back when you make purchases at many stores including supermarkets and convenience stores. No more check-cashing lines. All you have to do is complete the short enrollment form. No minimum balance required. No credit checks. No up-front fees. Sign up today for your PNC PayCard Just complete the enrollment form, return it to WorkSmart Systems by (payroll@worksmartpeo.com) or fax ( ), and your card will be on its way to you. PNC is a registered mark of The PNC Financial Services Group, Inc. ( PNC ). Visa is a registered trademark of Visa in the United States and other countries. Allpoint is a registered trademark of ATM National, USA Inc. STAR is a registered trademark of First Data Corporation in the United States and other countries. Bank deposit products and services and Treasury Management Services are provided by PNC Bank, National Association, a wholly-owned subsidiary of PNC and Member FDIC The PNC Financial Services Group, Inc. All rights reserved. *Visa s Zero Liability policy covers U.S.-issued cards only and does not apply to commercial credit cards, ATM transactions or PIN transactions not processed by Visa. Notify Payroll Card Services at immediately of any fraudulent use. For specific restrictions, limitations and other details regarding your liability for unauthorized transactions, see the Payroll Card Terms and Conditions.

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5 PNC PayCard Frequently Asked Questions Q. What is a PayCard? A. It s a prepaid, reloadable VISA Card issued in your name that looks and works just like a debit card or as a check if you choose. On payment date, your funds will be immediately available on your PayCard. You can then use your PayCard to deposit funds into your own bank account. Or you use it to make purchases or withdraw cash anywhere VISA debit cards are accepted over 6 million locations in the United States and over 24 million worldwide! Q. Can I still deposit funds into my bank account? A. Yes. Rather than waiting for a check to arrive in the mail, you can go to your bank on the day of funding and deposit funds from your PayCard into your own bank account. You can either use a bank teller or an ATM machine to withdraw cash from your PayCard and then deposit that cash into your bank account. You will have one free bank or ATM transaction per payment cycle. Q. Is my PayCard actually a credit card? A. No. It s a prepaid VISA card that is loaded with your funds on the morning of every payment date. Each time you use the PayCard, the transaction is deducted from the amount of money available on the PayCard. Q. How do I know how much money I have left on my PayCard? A. It s always a good idea to keep track of your money as it is loaded on the PayCard every payment date and as you spend it. If you are not sure of your balance, check it at or by calling These services are available 24x7, 365 days a year. You can also get account history online. Remember, merchants can t tell you how much money is on the PayCard. Q. How do I use my PayCard? A. You will be able to use your PayCard at any merchant that accepts VISA debit cards. Just give the PayCard to the cashier, waiter or attendant, and sign for your purchase. If you want to get cash back, use your Personal Identification Number (PIN) at stores that offer this service grocery and convenience stores usually do. Use your PIN at an ATM, and when prompted press Checking. You can also use the PayCard to make purchases online, via telephone, and by mail order. Note daily spending limits may apply to your PayCard. Q. What is a PIN? A. Your PIN (Personal Identification Number) is a secret four-digit code that gives access to your PayCard account. Always keep it separate from your PayCard, and never give it to anyone, especially over the phone. Q. What if the cashier asks debit or credit? A. Both responses will access the balance available on your PayCard. If you say credit, you will have the convenience of just signing for your purchase; if you say debit you must enter your PIN. If you want to receive cash back from a merchant that provides this service, you generally will be required to enter a PIN. Q. Can I use my PayCard to buy something that costs more than the amount of money I have on my PayCard? A. Some merchants will allow you to pay with two forms of payment. By using another form of payment in addition to your PayCard, you can still make purchases that exceed your available balance on your PayCard. You can pay for part of your purchase with your PayCard and pay the other part with a second type of payment. Page 1

6 PNC PayCard Frequently Asked Questions Q. What happens if I need to return an item that I purchased using my PayCard? A. Every store has its own return policy and will handle the return in the same way as any other VISA transaction. The store may credit your PayCard, or provide a cash refund or store credit. A credit to your PayCard may take up to one week to process before it s available for use. Q. What should I do if the merchant tells me the PayCard was declined? A. Declines generally occur when the purchase amount is more than the available funds on your PayCard. Check your available balance and then you may offer to pay the merchant partly with the funds on your PayCard and partly by another payment method acceptable to the merchant. Note that daily spending limits may also result in a decline. Q. What happens if my PayCard is lost or stolen? A. You must immediately call to report a lost or stolen PayCard and order a replacement. As long as you report your PayCard lost or stolen right away, you will not lose any money if someone uses the PayCard without your permission. This is one of the major benefits of having your funds loaded on a PayCard. Q. Who do I contact if I have a question regarding my PayCard? A. You can contact PayCard Services at , 24 hours a day 7 days a week. Q. Will I receive a statement showing my transaction activity? A. Online, printable account statements for the last 12 months are available at Q. Does my PayCard have an expiration date? A. Yes. You will receive a replacement PayCard the month before your PayCard expires. Q. Do I receive a new PayCard each time a balance is loaded? A. No. You will continue to use the same PayCard until it expires. Q. How does my PayCard work at gas stations and restaurants? A. When you re paying at the pump, some stations will check to see if you have enough money to fund a full tank (up to $75) because they don t know how much you are going to buy. If your PayCard is declined, and you know you still have money available on your PayCard, go inside the station and tell the attendant how much gas you want to buy and sign the purchase receipt for that amount. As for restaurants, some will verify that your PayCard has enough money to cover the cost of the meal and a 15%-20% tip. If it doesn t, the transaction may be declined. On the receipt, you may write in a tip in any amount, or leave a cash tip. Only the amount you sign for will be deducted from your account. Q. What fees are associated with the PayCard? A. Refer to the PayCard Cardholder Agreement for fees you may be assessed with the PayCard. VISA is a registered trademark of Visa U.S.A. Inc The PNC Financial Services Group, Inc. All rights reserved. Page 2

7 Do More You Have The Power of Visa : Buy groceries, gas, clothes, gifts, movies, books Pay for electronics, repairs, dining, travel, and more Use it for phone, mail order and Internet purchases Get cash at millions of ATMs worldwide that display these symbols: Find PNC Bank ATMs at Find Allpoint ATMs at Lost or Stolen Immediately call the phone number on your card carrier. The Visa Zero Liability* policy protects you 100% against unauthorized purchases. Check Balances at You can also view recent transactions, see your monthly statement, and change your address. It s Easy To Use To make purchases: When making purchases at stores or restaurants: 1. Hand your card to the cashier or server 2. Sign the receipt 3. Take your card and keep a copy of the receipt When making purchases using a PIN pad: 1. Swipe your card through the PIN pad 2. Press credit and sign the receipt 3. Or, if you want to get cash back, press debit and enter your PIN (many grocery stores and drug stores will give you cash back with a purchase) To get cash from an ATM 1. Insert your card and follow the steps on the screen 2. Enter your Personal Identification Number (PIN) 3. Choose account type of Checking 4. Select the amount of cash you want to withdraw 5. Be sure to take your card and receipt Not enough money on the card? If you want to make a purchase but don t have enough money on your card, some merchants may allow you to make a partial payment with your card and pay the remainder with cash or a check. Know How it Works Your Visa prepaid card is easy to use for everyday purchases at millions of locations worldwide anywhere Visa debit cards are accepted. Just remember some helpful hints and how to handle a few special situations: Know your balance When you make a purchase or ATM withdrawal, record it and deduct the amount from your balance immediately. Gas Stations Paying at the pump may result in a decline. Instead, go inside, pay the attendant a specific amount before you pump, and sign the receipt. Restaurants When paying a restaurant tab, keep in mind that you may need to have enough in your account for the dining bill and a 15 20% tip for the transaction to be approved. Hotels After check-out, the hold on your card may take a few days to be removed. Rental Cars Some rental car companies may require that you use a credit card to make a reservation. Your PNC PayCard is always welcome for final payment. Returning a Purchase Each merchant location has its own return policy and will handle the return in the same manner as any other Visa transaction. You may receive a credit to your card, a cash refund, or a store credit. It may take up to one week for a credit to appear on your card. Your Guide to the PNC Prepaid Card It s Easy: Use Your Card For Everyday and Special Purchases 1. Check Your Balance Know how much you have available on the card before you shop. 2. Present and Sign Present the card to the cashier, sign the receipt, and go. 3. Immediately Record Note how much you spend, and subtract it from your balance. Don t forget to immediately record your deposits and ATM withdrawals too. *Visa Zero Liability Policy covers U.S.-issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of unauthorized use. Consult issuer for additional details or visit visa.com/security. Bank deposit products and Treasury Management services are provided by PNC Bank, National Association, member FDIC The PNC Financial Services Group, Inc. All rights reserved. VISA and Plus are registered trademarks of Visa in the United States and other countries STAR is a registered trademark of First Data Corporation in the United States and other countries. Allpoint is a registered trademark of ATM National, U.S.A. Inc. M

8 Puede hacer más Usted tiene el poder de Visa : Compre mercaderías, gasolina, ropas, regalos, entradas para el cine, libros. Pague por equipos electrónicos, reparaciones, restaurantes, viajes y mucho más. Use su tarjeta para comprar mercancías por teléfono, correo y por Internet. Obtenga dinero en efectivo en millones de cajeros automáticos (ATMs) en todo el mundo que muestran estos símbolos: Encuentre la localización de los cajeros automáticos de PNC en el sitio de Internet. Encuentre la localización de los cajeros automáticos de Allpoint en el sitio de Internet. Si pierde o le roban la tarjeta Llame inmediatamente al número de teléfono indicado en la bolsa de su tarjeta. La política Zero Liability * de Visa lo protege 100% contra cualquier compra no autorizada por usted. Verifique su saldo en el sitio También puede ver sus transacciones recientes, el estado mensual de su cuenta y cambiar su dirección. *La Política de Cero Responsabilidad de Visa sólo cubre tarjetas emitidas en los Estados Unidos y no se aplica a tarjetas comerciales, transacciones en cajeros automáticos (ATMs) ni a las transacciones usando su número PIN que no sean procesadas por Visa. Notifique a su institución financiera inmediatamente sobre cualquier uso fraudulento de su tarjeta. Consulte a su institución financiera para más detalles o visite visa.com/security. Es fácil de usar Para hacer compras: Cuando hace compras en tiendas o restaurantes: 1. Entregue su tarjeta al cajero o camarero 2. Firme el recibo 3. Tome su tarjeta y guarde una copia del recibo Cuando hace compras usando un teclado para ingresar su número PIN: 1. Deslice su tarjeta en la ranura del teclado PIN 2. Oprima el botón credit y firme el recibo 3. Si desea recibir dinero de vuelta, oprima el botón debit e ingrese su número PIN. (Muchos mercados y farmacias le darán dinero de vuelta con una compra) Para obtener dinero en efectivo de un cajero automático (ATM) 1. Inserte su tarjeta y siga los pasos que se muestran en la pantalla 2. Ingrese su número de identificación personal (PIN) 3. Seleccione el tipo de cuenta de Comprobación 4. Seleccione la cantidad de dinero en efectivo que desea retirar de su cuenta 5. Asegúrese de guardar su tarjeta y el recibo No tiene dinero suficiente en su tarjeta? Si desea hacer una compra pero no tiene dinero suficiente en su tarjeta, algunos comercios le permitirán hacer un pago parcial con su tarjeta y pagar el resto con dinero en efectivo o con un cheque. Sepa como trabaja la tarjeta Su tarjeta prepagada Visa es fácil de usar para hacer compras diarias en millones de localidades a nivel mundial dondequiera que acepten las tarjetas de díbito Visa. Sólo recuerde estos útiles consejos y sepa cómo manejar algunas situaciones especiales: Sepa su saldo Cuando usted haga una compra o un retiro del cajero automático, apúntelo y réstele la cantidad a su saldo inmediatamente. Gasolineras Pagar en la bomba podría resultar en una disminución de fondos. Mejor vaya adentro y páguele al cajero una cantidad específica antes de ponerle gasolina a su auto, y firme el recibo. Restaurantes Al pagar la cuenta en un restaurante, tenga en mente que tal vez necesite tener suficiente dinero en su cuenta para cubrir la cuenta y una propina del 15 al 20%, para poder recibir aprobación de su transacción. Hoteles Cuando pague su cuenta, la retención de fondos que se le hace a su cuenta podría tardar unos días para ser removida. Renta de automóviles Algunas compañías que rentan automóviles requieren el uso de una tarjeta de crédito para hacer una reservación. Su tarjeta PNC PayCard siempre es aceptada para hacer el pago final. Devolución de una compra Cada comercio tiene su propia política para aceptar devoluciones y procesará la devolución de la misma manera que cualquier transacción de Visa. Usted podrá recibir un crédito en su tarjeta, un reembolso de dinero en efectivo o un crédito para compras futuras en ese comercio. Podrá tomar hasta una semana para que el crédito aparezca en el saldo de su tarjeta. Productos de depósito bancarios y servicios de Dirección de Tesoro son proporcionados por PNC Bank, National Association, el miembro FDIC The PNC Financial Services Group, Inc. Reservados todos los derechos. VISA y Plus es las marcas registradas de Visa en los Estados Unidos y otros países STAR es una marca registrada de First Data Corporation en los Estados Unidos y otros países. Allpoint es una marca registrada de ATM National, U.S.A. Inc. M Su guía para la tarjeta PNC Prepaid Card Es muy fácil: Use su tarjeta para todas sus compras diarias y especiales 1. Verifique el saldo de su cuenta Sepa la cantidad que tiene disponible en la tarjeta antes de comprar. 2. Presente su tarjeta y firme Presente la tarjeta al cajero, firme el recibo y se puede ir. 3. Anote la cantidad inmediatamente Anote la cantidad que ha gastado y réstela del saldo que tenía anteriormente. No se olvide tampoco de anotar inmediatamente sus depósitos y cada vez que usa un cajero automático (ATM) para sacar dinero de su cuenta.