PayNGoCard.com

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Frequently Asked Questions

In the last decade, the payroll industry has experienced a tremendous increase in costs associated with processing checks. In an effort to save money on paper, printing and distribution costs, many employers are considering replacing traditional paychecks with prepaid, reloadable cards.

1. What is a PayNGo Employee Personal Spending Card (sometimes referred to as a Payroll Card)?
2. An employee personal spending card is a "stored value prepaid card", which is "reloaded" every pay day or at other times through an ACH direct deposit transaction. It is not a credit card, and you may not spend or withdraw more than the amount available on the card. It does not extend credit to individuals. It does not require a credit check for enrollment (*) which means that all employees may use one.
3. Why do I need a PayNGo Card?
4. If you don't have a checking account and if you use check cashing services, a PayNGo Card will:
   1. Save you check cashing fees
   2. Be safer and easier to use than carrying around cash
   3. Save you the time spent driving to and waiting in line at the check cashing store
5. How do I know how much money is available on my PayNGo Card?
6. You may go to our web site at http://my.PayNGoCard.com and log on to verify the amount that was deposited to the card. You will still receive a non-negotiable pay stub from your employer showing your deductions. You may check your card account balance at any ATM, by logging on to the PayNGo Card website or you can call 1-866-217-5427.
7. Are there any fees associated with this card?
8. There will be cardholder fees charged to your card account for ATM transactions from $0.75 to $1.00 (depending on the type of transaction) and a $0.10 POS transaction fee. A monthly administrative fee of $1.50 will also be added to the card account. If you lose your card and need to be issued a replacement, there is a $10.00 fee. A $5.00 fee will be applied if you request that a monthly statement be mailed. A free monthly statement is available online. No fee is charged for checking your balance online at http://my.PayNGoCard.com or by calling 1-866-217-5427..
9. Where Can I use my PayNGo Card?
10. Your PayNGo Card can be used at retailers who accept prepaid or credit cards for payment for goods or services and at more than one million ATM's worldwide.
11. Can I get additional cards for my spouse or for a relative back home?
12. Yes, you can. Please contact your employer and fill out an application for your spouse or relative to have additional cards issued.
13. What should I do if my card is lost or stolen?
14. Call our customer service number at 1-866-217-5427 immediately.
15. 
    * PATRIOT Act: The U.S.A. PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a card account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. "100% Approval" and "No One Is Turned Down" are contingent upon successfully passing this mandatory identification confirmation.