An XL pre-paid card is a host based stored value card.
A host-based card does not have value stored on the card
itself-the value loaded on the Card is kept at a bank and
the value is accessed each time you use your Card to make
a purchase or ATM withdrawal.
Why
would I buy an XL Pre-Paid Card?
An XL pre-paid Card is better than
cash. It is safer to carry around than cash. It can be used
at millions of locations to get cash from ATM machines and
to make purchases as a debit transaction. You control the
amount of funds available on your Card and cannot overspend.
Can
the XL Pre-Paid card be used overseas?
Yes! The XL Pre-Paid Card can be used
around the world at ATMs to withdraw cash. It cannot be used
outside of the U.S. to make other debit transactions.
What
are the different kinds of XL Pre-Paid cards?
XL Payment Systems offers several
types of Pre-Paid cards. XL Cash Card -This
pre-paid card is a re-loadable cash Card that that
can be used at ATMs or POS locations displaying the
Plus, Star, Pulse or Interlink logos. It is designed
for individuals that do not have a bank account, or
the people that cannot get a traditional credit card
because of no or bad credit. It is also great for college
students because their parents can add value to the
Card and have a history of where all funds are spent. XL Gift Card -
This pre-paid card is not re-loadable. Once the funds
available are depleted, the Card is simply thrown away.
It is a perfect one-time gift for graduating seniors,
for x-mas presents, birthday presents, or corporate
giveaways to customers and employees. XL Payroll Card -This
pre-paid card is re-loadable and is used by employees that
do not want or do not have a bank account. The Card is simply
loaded by the employer on each payday. XL “Visa” Card -This
card is a re-loadable Card that is just like the XL Cash
card, but it can also be used at any location accepting “Visa” cards.
How
do I use my card for making purchases? For ATM transactions?
When making purchases at retail locations,
simply tell the cashier you want to pay with “debit”.
Swipe your card, and then enter your unique 4 digit PIN.
With the XL “Visa” Card, you also have the option
to pay as a “credit” transaction. In this case,
tell the cashier you want to pay with “credit”.
After swiping your Card, this transaction will be completed
with only your signature. When making ATM withdrawals, simply
swipe your Card, and then enter your 4 digit PIN when prompted.
How
do I re-load my Card?
Re-loading your Card is easy.
Simply go back to the retailer where you bought your
Card, or any other participating retailer and tell
the cashier you want to add funds to your account.
To re-load your Card, you will need the Card itself,
and the funds you want to load. Swipe your Card when
prompted. Give the funds to the cashier. You can also
load funds on our website at www.xlcard.com or you
can load funds over the phone at (800) 510-1314. To
re-load funds on the web or phone, you will need your
Card number (19 digit embossed number on the front
of your Card) your unique 7 digit PIN, and another
XL pre-paid Card or credit card to transfer funds from.
XL Gift cards cannot be re-loaded.
Can
I give the XL pre-paid card to someone under 18?
Yes. You can give a Card to
anyone of any age. You cannot buy the Card yourself,
however, unless you are 18 years old, or older.
Can
I use my Card more than once?
Yes. You can use your Card as
many times as you like, as long as there are available
funds in your account.
Do
the Cards expire?
The XL Cash Card DOES NOT expire.
The XL Payroll Card DOES NOT expire. The XL “Visa” Card
DOES NOT expire. These Cards can be used, and re-loaded
indefinitely. If however, there has been no activity,
and no available funds for a period of 60 days on these
Cards, they will be dropped from our database and no
longer can be used. The XL Gift Card DOES expire. See
Card mailer for expiration date.
Are
my funds FDIC insured?
Your funds are NOT FDIC insured.
Can
I change my 4 digit PIN or 7 digit PIN?
You cannot change your 4 digit
or 7 digit PIN.
If
stolen or lost, can my Card be re-placed?
Yes. If your Card is lost or
stolen, call our customer service group IMMEDIATELY
at (800) 510-1314. We can cancel your old Card, issue
you a new Card and transfer the balance of available
funds to your new Card. There is a fee of $9.95 for
this service.
How
much money can I put in my Card account?
You can load any amount between
$20 and $1,995 on your card. The total available funds
cannot go over $1,995. The XL Payroll card can be loaded
with any amount if funded by your employer as a regular
payroll deposit. The XL Gift card is loaded with a
pre-determined amount between $25 and $250. Federal
Law prohibits one person from owning multiple Cards
with a total value on all Cards over $3,000, without
further personal identification.
Are
there fees associated with use of the card?
There are fees associated with
certain types of transactions These fees are to cover
our costs of issuing the Card, database management,
PIN generation, customer service, transaction processing
costs, sponsorship costs, toll-free account inquiries
and other types of expenses. For a complete listing
of fees, see Terms and Conditions.
The XL Payment Systems Card Program is sponsored by 1st Federal
Bank. All Cards are issued by 1st Federal bank. Account funds are not insured
by the FDIC. Subject to funds availability. Transaction fees, terms and
other conditions apply. ALL RIGHTS RESERVED. All trademarks, service marks
and registered marks are the properties of their respective owners.
