Payroll - TotalPayCard


Beginning February 2012, AU will begin paying all employees electronically via Direct Deposit or via TotalPay® Card. We are going paperless as part of our on-going effort to implement sustainable practices.

If you receive paper paychecks currently, please review the information about TotalPay® Card and Direct Deposit to decide which option is best for you. Employees currently receiving paper pay checks will be required to fill out the Employee Selection Form and submit to Payroll as soon as possible. If you do not sign up for Direct Deposit before the switch-over deadline, you will automatically be issued a TotalPay® Card and your paycheck will be deposited automatically into your TotalPay card account. Should you decide to switch to Direct Deposit after you have been issued a TotalPay Card®, you will still be able to do so by signing up for Direct Deposit through HR/Payroll Connection.

Additional Resources:

Memo describing change (PDF) (sent to employees who receive paper paychecks)

Presentation about TotalPay® Card (PDF)

Flyer to give to bank employees explaining TotalPay® Card (PDF)

Employee Pay Selection Form (Required form)

 

 

Total PayCard F.A.Q - Table of Contents

TotalPay Card Frequently Asked Questions

Q. What is the TotalPay® card?

A.TotalPay® cards work the same way as a traditional debit card issued by banks to people with a checking or savings account. TotalPay® cards will be distributed to American University employees who do not sign up for direct deposit by January 13, 2012 (January 27, 2012 for returning students and teaching adjuncts) so that they may receive their pay electronically, even if they do not have a bank account.
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Q. How do I access my funds using the TotalPay® card?

A. You can access your funds by: 

  • Going to Allpoint Network ATMs
  • Using a Money Network™ Check
  • Going inside a Visa member bank and requesting all or partial amount of your net pay
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Q. Why is American University shifting away from paper paychecks to the TotalPay® card?

A. American University has a campus-wide initiative of going green and also looks for increased efficiency and cost savings, where possible. By not issuing paper paychecks, the university is able to lower paper usage, save on check manufacturing expenses and on replacement and reissue expenses as a result of check spoilage and checks not cashed, lost, or stale dated. The university also is able to achieve greater compliance with audit and state wage payment laws.
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Q. What are the advantages to having this card?

A.

  • Dependable, safe, and very convenient way to receive your pay
  • Access to your pay on payday morning
  • Funds accessible through Allpoint Network ATM withdrawals
  • You can make purchases at stores and get cash back
  • You can write Money Network™ Checks
  • Transfer funds to a personal or joint checking account
  • You will not be able to overdraw your account
  • No NSF charges
  • Saves trip to HR to pick up check
  • Increased security
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Q. Why is TotalPay® right for me?

A. Employees without bank accounts often incur high fees when cashing their paychecks and then incur additional costs when paying bills using money orders or traveling to a payment location to pay in person. TotalPay® cards provide employees with the ability to access their wages in a much cheaper, safer, and more convenient manner than when paper paychecks are used.

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Q. Do I have a choice to use TotalPay® Card?

A. Yes. You may choose to sign up for direct deposit, or be enrolled automatically into TotalPay® card program.
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Q. I do not have a bank account. Will the issuance of a TotalPay® card require a credit check?

A. There is NO credit check to receive this card. There also is no application or approval process to get a TotalPay® card.
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Q. Can I sign up for direct deposit if I do not want the TotalPay® card?

A. Yes, you always may sign up for direct deposit.
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Q. Can I have a TotalPay® cards AND direct deposit?

A. No.

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Q. Are there any fees associated with the TotalPay® card?

A.Most cardholder features are free for American University employees.

TOTALPAY® CARD ACCOUNT SERVICE
American University Fees

Cardholder Free Transactions

 
ATM Withdrawals - ON US (In Network)
NO FEE
Bank Over the Counter Transaction
NO FEE
PIN POS transactions
NO FEE
Insufficient Funds (NSF Fee)
NO FEE
Money Network™ Checks
NO FEE
Monthly Account Statement via Internet
NO FEE
Internet Bill Pay - Visa Only
NO FEE
IVR Transactions: ACH Transfer, Balance Inquiry, MN Check
NO FEE
Text Message of Account Balance (Daily or Weekly)
NO FEE
Internet Balance Inquiry
NO FEE
Customer Service for items not available via IVR
NO FEE
Monthly Maintenance Fee
NO FEE

Optional Employee Services

 
Replacement Card
$6.00
Signature POS VISA Only
NO FEE
ATM Transactions - Out of Network
$1.75
International ATM Transactions
$2.50
International Transfer via Orlandi Valuta
$8.95
Operator Assisted Transactions if also available via IVR (1)
$1.00
(1) Balance Inquiry, MN Check Transactions, ACH Transfer
 

* View State and Federal Consumer Protection Statutes

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Q. Will my funds in the TotalPay® card account be FDIC insured?

A. Yes. The Federal Deposit Insurance Corporation (FDIC) has issued an opinion making clear that the funds loaded onto a TotalPay® card are FDIC insured.
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Q. How much can I withdraw at a time?

A. You may withdraw up to $400 a day at an ATM (based on each ATM's limit policy) and get up to $9,999.99 from a single, pre-authorized Money Network™ check. You also may transfer your entire balance via direct deposit to your personal bank account. Store purchases have a $600 per day limit.
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Q. How do I make a purchase with my TotalPay® card?

A. If you make a Signature Debit Purchase:

  • Swipe the Money Network™ Pay card at the cash register PIN pad.
  • Select “CREDIT.”
  • Sign for purchase.
  • No card transaction fee will apply.

If you are doing a PIN Debit Purchase:

  • Swipe the Money Network™ Pay card at the cash register PIN pad.
  • Select “ATM/DEBIT” and enter 4-digit PIN.
  • For cash back, select “CASH BACK” and the amount, or ask cashier for cash back.
  • No card transaction fee will apply.

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Q. Can I use the TotalPay® card for Debit or Credit transactions? Will I be charged a fee?

A. You may use your TotalPay® card for debit and credit transactions. There are no card transaction fees for signature credit or debit purchases.

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Q. Do I have to use this card with a certain bank?

A. No. Having the Visa logo on the card allows you to access funds anywhere the Visa logo is accepted.
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Q. Can I access my funds if I go to a bank that is not in the Allpoint network, but is a Visa member?

A. Yes. The transaction is free.

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Q. How can I find out my balance from my TotalPay® card?

A.

  • Via e-mail at mncustomer services@firstdata.com. Sign up to receive automatic e-mail balance notifications daily or weekly.
  • Via text message. Sign up to receive daily or weekly automatic balance notification text messages sent to your cell phone
  • Online. View account balance by logging onto Account at www.moneynetwork.com.
  • By phone. Call Customer Service at 866.402.1237 or 888.913.0900, log in, and select the option to hear your account balance.

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Q. What can I do online with my TotalPay® card account (www.moneynetwork.com.)

A.

  • View account balance and transaction history.
  • View or request a statement.
  • Transfer funds to a personal bank account.
  • Enroll to receive automatic account balance notifications sent daily or weekly via e-mail or text message.
  • Request a Secondary Card for a family member or dependent
  • Fund a Secondary Card.

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Q.How do I activate my TotalPay® card?

You must call the activation number printed on the TotalPay® card when you receive the welcome kit. You need to follow the prompts the system gives.
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Q. What are Money Network™ checks? How do I use them?

Money Network™ checks are like counter checks that can be used in place of the TotalPay® card as necessary.  Using the Money Network™ checks, you may:

  • Access up to 100 percent of funds available in the account
  • Pay bills or rent
  • Access funds if the pay card is lost

Note: Checks are not account specific. To use the checks, follow these steps:

  1. Call Customer Service.
  2. Follow automated voice prompts to write a Money Network™ Check.
  3. A transaction number is issued and funds are transferred immediately from the Account to the Money Network™ Check.

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Q. Where can I get my Money Network™ Check cashed?

A. You may cash the Money Network™ Check at Wal-mart or any check cashing location as identified on the Locator tool on www.moneynetwork.com.


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Q. Who is Firstdata and how do I contact them?

A. Firstdata is the vendor that manages many of the transactions related to the TotalPay® card. You can contact Firstdata Customer Service at: 866.402.1237 or 888.913.0900, or e-mail mncustomer services@firstdata.com. Firsdata Customer Services can assist with all questions relating to the TotalPay® card including:

  • Lost cards/fraud
  • Issues & recolution
  • PIN rests
  • Tracking expenses online and Web site support
  • Reorder more Money Network™ Checks (free)
  • Transfer funds to a personal bank account in the U.S.

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Q.What if I have a payroll question, can I still contact the Payroll Office?

A. Yes. You may still contact the AU Payroll Office for any pay-related question. For TotalPay® card-related questions, call 866.402.1237 or 888.913.0900, or e-mail mncustomer services@firstdata.com.
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Q. I have lost my card. Can I receive another one?

A. Yes. If you never received your initial card, FirstData will send a replacement card at no charge, after that you may receive a replacement card for a $6 fee. Call Firstdata Cardholder Center at 888.913.0900 (select option 2), or e-mail mncustomer services@firstdata.com to report a lost card. You will receive a replacement card via regular mail in approximately seven to ten business days. You will receive the TotalPay® card at your mailing address in an unmarked, window envelope. To access funds in the interim, call customer service for assistance issuing a Money Network™ check.
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Q. How will I receive my TotalPay®card?

A. You will receive the TotalPay® card at your mailing address in an American University Office of Human Resources envelope that will marked as Confidential. Be sure to look for the TotalPay® card in the mail, as it will be the only means by which you will have access to your pay. Also included in this mailing will be:

  • Three Money Network™ Checks and instructions
  • Terms and Conditions and Privacy Policy
  • Comprehensive bilingual How-To Guide booklet (English/Spanish) with FAQs and instructions on:
-Getting Cash at an ATM
-Checking the account balance
-Making purchases
-Transferring funds to a bank account
-And more
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Q. Can I upgrade my TotalPay® card/account with Firstdata, and what are the advantages?

A. Yes. Upgrading your TotalPay® card/account will allow you to receive funds from other sources in addition to your pay, and add cash to your account from Western Union locations. You also will be able to order a secondary account for a family member or friend. You then will be able to transfer funds from your account to any of the secondary accounts. To upgrade your account, contact TotalPay®’s customer service at 866.402.1237 or 888.913.0900.
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Q.Can I do a money transfer to another country from my TotalPay® card?

A. Yes. Contact Firstdata’s customer service for assistance at 866.402.1237 or 888.913.0900.
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Q.What is a Visa member bank?

A. Visa member bank is one that has a relationship with Visa. The following link can advise where banks are located. Enter in required fields of country and city or optional zip code. Visa Bank Lookup
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Q.What kind of transactions can be performed at a Visa member bank?

A. Transactions include: check cashing without fees, etc. In order to receive the free transaction, we have created a flyer you can present at any member bank.
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Q.What happens with my final pay when I no longer work for American University?

A.Your final pay from American University will be a paper check. However, if you were issued a pay at any time during your employment tenure and funds were deposited on the card, and not used, then your card will stay active as long as you have funds available, and you may continue to you use your TotalPay® card until your account balance is zero. Please note: the card will stay active up to 180 days after receipt of the final pay date your pay was deposited on your card. 

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*TotalPay Card is a registered trademark of ADP.