FAQ'S

With the Prepaid no name ATM debit card, you will have access for payment transactions at point of sales, online purchases and ATM withdrawals.

How much is the No Name ATM  card? Only $100 with free shipping. Can be delivered with fed ex for additional cost. Card shipped direct from the bank.

What happens if my card is lost or stolen? Contact Card Services. This information arrives with your card. A fee will be charged for the replacement card and it will be mailed to you.

What qualifications do I need? There is no qualifying process for the ATM Card, as the money available on the card belongs to the cardholder. There are no requirements needed: no credit checks, no employment checks, no utility bills needed or lengthy applications required to acquire the card.

Do I need identification? We require you to provide only your SSN, Passport or Driving License number on the online card activation form and your ID copy. You need to use your real ID number because it may be verified later on. We also need a phone number on your account.

Are there any requirements for your cards? None, everyone is 100% approved. There is no credit check, no employment verification and no utility bill required.

Why do people consider acquiring this card?

The card is perfect for:
• Anyone who wants to better track his or her spending
• Anyone uncomfortable carrying cash
• Anyone traveling and not wanting to carry a lot of cash
• Anyone without a bank account
• Teens and students: a way to keep allowance money, extra cash, or school funds in a pocket for controlled spending
• Anyone seeking cash withdrawals from ATM's

Where can I use my ATM Card? The ATM Card may be used at automatic teller machines (ATMs) to withdraw cash or check the cash balance on the card. It may also be used at any locations that accept ATM cards at point-of-sale and at retailers.

Is the ATM Card safe? Cardholders are assigned a secure PIN (Personal Identification Number), so the card may be used by only the cardholder or someone to whom the PIN has been given.

PLEASE NOTE: You assume responsibility for all transactions arising from use of the Card by any person you have authorized or otherwise permitted to do so. The PIN is your Personal Identification Number. Communicating your PIN to any individual constitutes your authorization of that individual for unlimited use of your card. Never communicate your PIN by voice or in writing. Provide your PIN only to established merchants by keystroke into a secure electronic system. If you have authorized another person to use the Card in any manner, that authorization shall be deemed to include the authorization to make withdrawals or transfers of funds from your Account, and such authorization shall be deemed to continue indefinitely.

If I want an ATM Card, what do I do? Simply order card. We accept bank wire transfers, e-gold, moneygram and western union.

Is there a limit to the amount that I can load on the card? There is a $2,500 maximum stored-value limit. However, the cards can be reloaded again and again. You can order as many as you want and remain anonymous. You can also increase your card limit amount with the card issuer, but it needs an ID on file.

How would I transfer funds to a friend, family member or business? Your ATM Card can be used to transfer funds to any other ATM Card. In fact, you can make multiple transfers in a day, so long as the maximum daily cash withdrawal amount is not exceeded. This is much more convenient and cost effective than conventional means of transferring funds

Is there a limit to how much I can transfer to someone else? There is a daily limit of $500 on card to card transfers.

What about an ATM withdrawal limit? There is a daily limit of $500.00 on cash withdrawals, subject to any limits imposed by the operators of individual ATM machines.

What if I want my funds out another way? You can also withdraw from your card to a bank account or receive a check. Once you activate your card and login, you will find these functions in your control panel.

Is there a limit on purchases? There is a daily limit of $500. Cards are required to have a minimum balance of $10.

Is the ATM Card a credit card? The ATM Card is a stored-value, PIN-based debit card. It manages expenditures effectively, as only the amount loaded on the card is available for Point-of-Sale purchases at retail locations, online or cash withdrawals at ATMs. Thus, no credit fees, overdraft charges, late fees, or interest charges are ever added. The cardholder has access to only the amount of money (or the remaining portion after transactions) stored on the card. It's today's safe, convenient, and flexible way to manage spending.

Does the card have an expiration date? No, as long as the card continues to have activity. A card will be deactivated once a card has no balance and no activity for three consecutive months. Please see the Terms and Conditions that came with your card.

How can I check my card balance and account activity? Account activity and balances can be easily checked on the Internet by going to the web site provided to you when you received your card and entering the card number with your Internet Access Code and Date of Birth (one you used on sign up). Balances may also be checked by phone by calling Customer Card Service or at an ATM machine.

What languages are available in the card control platform? English and Spanish.

What happens if I need to return an item I bought with the card? The merchant would handle the return just like they would any other ATM card purchase, based on the guidelines laid out in their store policy manual.

What are the benefits of my having an ATM Card?
• A name on the card is not necessary
• A PIN is used for security
• Easily replaced if lost or stolen
• Access to funds in local currencies, 24 hours a day, at ATMs worldwide
• Receive quick access to the balance from an ATM as soon as funds are credited to the card account
• No bank account is required, you remain anonymous
• Money can be transferred instantly from one card to another
• The card may be used at locations around the world
• The card is rechargeable
• The card is accepted by millions of merchants and ATM machines around the world where you see the  logo
• The card can be used to buy items securely at select merchants on the Internet where you find the card logo

What if I do not remember my PIN? PLEASE NOTE: For security reasons, only you as the cardholder know the PIN you selected at activation for your card. If you forget your PIN, you must acquire and activate an additional card. You may then transfer the balance of funds from your former card to your newly activated card.

Can I have multiple ATM Cards? Yes, you may have multiple cards. There is no limit on how many cards you order.

Why am I getting “Insufficient Funds” when I attempt to make a gas purchase at a ‘Pay-at-the-Pump’? I know I have money on my card! When you insert your card and enter your PIN, a pay-at-the-pump machine may check to see if you have from $25 to $75 dollars on the card to secure your purchase (the most common we’ve seen is $50 but merchants vary). The merchant then places a ‘hold’ on that amount and authorizes your purchase. After your purchase is complete, a request for the exact amount of your purchase is submitted for processing through the bank. Upon settlement, the hold on your card is released. If, however, your card has less than the ‘hold amount,’ it will not allow the transaction to take place and you may get an “Insufficient Funds” error.

While the transaction is being processed, your card will not have the ‘hold amount’ available for use. Again, this is how merchants have their ‘pay-at-the-pump’ systems set up.

Another point of interest is that if your card account has $100 and you perform a ‘pay-at-the-pump’ purchase of $10, your account available balance may show $50 after the transaction. Once the transaction settles, the ‘hold amount,’ in this case $50, will be released and the card will reflect an available balance of $90.

I attempted a withdrawal from an ATM. I never received any funds; however, when I check my card balance, it reflects a debit in the amount that I attempted. But I never received any money! How and to whom do I submit a dispute for funds? ALWAYS KEEP YOUR RECEIPT.

This is the information you would submit to file a dispute:

The card number of the card being disputed
Date/Time of the transaction
Transaction Sequence number from the ATM
Switch Sequence Number
Amount Requested
Amount Received

All of these items can be found on the ATM receipt. Be prepared to fax, scan and email, or mail a copy of the receipt to card issuer.

After I file a dispute, how long before I can expect to see my funds credited back to my card?
According to federal regulations the bank has up to 10 days from the date the dispute is presented to the bank in order to issue a ‘provisional credit’. The bank then has 45 days to finish their investigation of the dispute. Upon completion of the investigation the bank will make known their findings and either make permanent the credited amount, or debit the provisional credit.

Quick Summary of ATM Card facts

Account Balance Limit (total) $2,500 Loading Limit
Up to $2,500 per day Cash Withdrawal Limit at ATM machines
$500 per day (subject to machine limits) Point-of-Sale Limit
$500 per day Cash Withdrawal Limit
No name required on card
FDIC Insured

Loading Methods
Bank Wire Transfer
ACH to Card
E-gold
Card to Card

*Please note: certain limits may be adjusted on an individual case basis with additional security information provided.

How do I activate my card?
Your card must be registered by your card's distributor prior to activation. All information used for activation must be exactly the same as that used to register your card.

The amount loaded on the card is available for purchases or cash withdrawals. Thus, no credit fees, overdraft charges, late fees, or interest charges are ever added. The cardholder has access to only the amount of money (or the remaining portion after transactions) stored on the card.

Fees

Self Load (Wire Transfer) 4.95
Lost Card Replacement 29.95
Card Deactivation 1.00
Account Dormancy 3.00
Monthly Account Service Fee 4.95
Bank Account to Card Transfer 3.00
Card to Bank Account Transfer 3.00
Card to Card Transfer 3.00
ATM Balance Inquiry/Denied Inquiry - International 0.50
ATM Balance Inquiry/Denied Inquiry 0.50
ATM Withdrawal - International (Denied) 1.20
ATM Withdrawal - International 4.50
ATM Withdrawal - US (Denied) .60
ATM Withdrawal - US 1.50
Card to Check 4.95

Is your ATM card like a credit card? No, this is a prepaid/stored value card. You load it with your own money and cannot spend more than has been loaded to the card account.

Can I transfer funds from my ATM Card to my bank account? No.

Why is the ATM card so good for traveling? No need to use foreign exchange, you can simply withdraw local currency from an ATM in the local country. The card can also be used at merchants.

Can I order the card for someone else? Yes. Just provide the name and address and we will ship the ATM card to them. All they need to do is activate it once they receive it. If the ATM card is a gift, we can also send it in a gift card.

How do I load/fund my card? ACH (Automated Clearing House), International Bank Transfer (wire, swift), direct payroll deposit and E-gold.

Can other people load my ATM card account?  Yes, you can receive bank wire transfers, direct payroll deposit and card to card transfers. You can receive payment for any goods or services you may provide.

How do I order? We accept bank wire transfers, western union, web money, e-bullion, moneybookers and e-gold.  Order form.

Disclaimer: EMDS is not a bank and does not claim to be a bank or an Issuer of Debit/Credit-Cards. EMDS is an independent agent only and consulting entities & persons. EMDS is not liable for the functionality or service of the card(s) itself. This website and any information are strictly confidential and may contain information that is exempt from disclosure under applicable law. If you are not allowed to view and/or use our service, you are hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited and we are not liable for any damage caused to you.

If you have more questions: Please e-mail us.

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