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FREQUENTLY ASKED QUESTIONS ABOUT WIRED PLASTIC
IMPORTANT – PLEASE READ CAREFULLY (PRINT)
General Questions About Wired Plastic™
Who can get a Wired Plastic Prepaid Visa® Card?
Where can I get a Wired Plastic Prepaid Visa Card?
How much does it cost to set up a Wired Plastic Prepaid Visa Card account?
How do I qualify for a Wired Plastic Prepaid Visa Card?
How long will it take to get my Wired Plastic Prepaid Visa Card?
Who is the issuing bank?
Is the Wired Plastic Prepaid Visa Card a credit card?
How is Wired Plastic different than a traditional debit/check card?
What are the fees?
Can I have my Wired Plastic Card sent to a P.O. Box?
After I receive my Wired Plastic Card how do I activate it?
Will the Wired Plastic Card build credit?
Can I purchase or have more than one Wired Plastic card?
Questions About Click-n-Pay™
What is Click-n-Pay?
How do I use Click-n-Pay?
Who can I pay using Click-n-Pay?
Can I send checks using Click-n-Pay?
How much does it cost to use Click-n-Pay?
Questions About Wired Points™
What are Wired Points?
What can I do with my Wired Points?
How do I redeem my Wired Points?
Questions About Adding and Transferring Funds
How do I add cash to my account?
Can I deposit funds from my Wired Plastic account into a bank account?
What are the loading limits for the Wired Plastic Card?
How do I add cash using:
• PayZone™
• Western Union®
• MoneyGram®
How do I find the load agent that is nearest to me?
Questions About Account and Card Management
How do I view my account activity?
What happens if I return something I purchased with my Wired Plastic Prepaid Visa Card?
If my Wired Plastic Prepaid Visa Card is lost or stolen, can somebody use it?
How do I report fraud on my Wired Plastic Prepaid Visa Card?
How do I check my current balance?
What if I disagree with my balance total?
What is the PIN?
What if I forget my PIN?
How do I close my Wired Plastic account?
Will I receive a monthly statement?
When are your customer service representatives available?
Questions about purchasing options
Where can I use the Wired Plastic Prepaid Visa Card?
Can I use the Wired Plastic Prepaid Visa Card to make reservations at hotels?
Can I use the Wired Plastic Prepaid Visa Card to rent a car?
Can I use the Wired Plastic Prepaid Visa Card to purchase gas at the pump?
Can I spend more money than I have?
Questions About the Wired Plastic Website
How secure is my account information?
Which browser works best with your website?
General Questions About Wired Plastic™
Who can get a Wired Plastic Prepaid VisaŽ Card?
In compliance with the USA PATRIOT Act* and other laws, you must be a U.S. resident over 18 with a valid social security number and a verifiable physical address (no P.O. boxes or A.P.O. addresses) to open an account and order a card. You must provide us with this information, along with other information pertinent to opening your account to order a card. Currently we do not issue cards to residents of Puerto Rico, Guam, the Virgin Islands, American Samoa or other U.S. territories.
Where can I get a Wired Plastic Prepaid Visa Card?
Visit www.wiredplastic.com to sign up. You can also sign up by contacting customer service at (801)383-1003.
How much does it cost to set up a Wired Plastic Prepaid Visa Card account?
There is a one-time Card Activation Fee of $9.95 that will be assessed the first time you add cash to your card.
How do I qualify for a Wired Plastic Prepaid Visa Card?
In compliance with the USA PATRIOT act* and other laws, you must be an 18 year old U.S. resident with a valid social security number and a verifiable physical address (No P.O. Boxes) to order a card and open an account. Currently we do not issue cards to residents of Puerto Rico, Guam, the Virgin Islands, American Samoa or other U.S. territories.
How long will it take to get my Wired Plastic Prepaid Visa Card?
Upon successful identification verification*, your Wired Plastic Prepaid Visa Card should arrive within 7-10 days.
Who is the issuing bank?
BankFirst, headquartered in South Dakota, issues Wired Plastic Prepaid Visa Cards. However, cardholder accounts are managed by Wired Plastic and individual cardholders do not have a personal bank account with BankFirst.
Is the Wired Plastic Prepaid Visa Card a credit card?
No. To spend money you must load it on your card. To load, you can add cash, direct deposit, or transfer money from a bank. When you use the card, the amount of your purchase is deducted from the loaded balance.
How is Wired Plastic different than a traditional debit/check card?
The Traditional debit/check cards are liable to receive bounced check, NSF and overdraft fees. You won ’t be charged these fees with the Wired Plastic card.
What are the fees?
A complete fee schedule is located here.
Can I have my Wired Plastic Card sent to a P.O. Box?
No. The card must be shipped to a physical and verifiable U.S. address.
After I receive my Wired Plastic Card how do I activate it?
Contact the toll-free account information line at 1(866)335-4784. You must call from the same number you provided in enrollment and follow the prompt instructions to active.
Will the Wired Plastic Card build credit?
No. Currently this is not a credit building program.
Can I purchase or have more than one Wired Plastic card?
No. Sorry but one card per person.
Questions About Click-n-Pay™
What is Click-n-Pay?
Click-n-Pay is Wired Plastic’s automated payment service. With Click-n-Pay, you can send a one-time or recurring electronic payment to over 4,000 billers listed in our database, or send a paper check to anyone. Since the payment amount is immediately deducted from your available balance, you will never incur a bounced check fee.
How do I use Click-n-Pay?
You can access Click-n-Pay to set up billers, send payments and view your transaction history via your account online or over the phone using our toll-free account information line.
Who can I pay using Click-n-Pay?
Unlike most electronic bill pay programs, you can pay anyone using Click-n-Pay. If the person you want to send a payment to is not listed in our biller database, we will send them a paper check on your behalf.
Can I send checks using Click-n-Pay?
Yes, you can. Send a paper check to anyone using Click-n-Pay for $0.95.
How much does it cost to use Click-n-Pay?
Click-n-Pay service is available for only $0.45 per electronic payment and $0.95 per paper check.
Questions About Wired Points™
What are Wired Points?
Wired Points are our way of rewarding members for everyday spending.
What can I do with my Wired Points?
You can use Wired Points towards the purchase of prepaid wireless airtime with Verizon, TracFone, Cingular and AT&T.
How do I redeem my Wired Points?
Using your Wired Points is simple. Log in to your account and choose the product you want to use your Wired Points towards under the "Redeem Wired Points" bar. If you don’t have enough Wired Points in your account to cover your purchase, the remainder can be paid for using your Wired Plastic Prepaid Visa Card.
Questions About Adding and Transferring Funds
How do I add cash to my account?
Wired Plastic offers a variety of ways to add cash to your account. Adding cash is quick and easy. You can add cash through:
- Direct Deposit: Have pay, dividends, disability and government checks (i.e. Social Security, Medicare, Welfare, etc.) sent directly to your Wired Plastic account, FREE. Your funds are available the same business day they are received.
- In-Person Payments™: Add cash at over 3,000 IPP retail locations. Your funds are available within 30 minutes. A retail load fee will apply. [more information]
- Payzone™: Add cash at over 25,000 retail locations. Your funds will be available within 30-60 minutes. A retail load fee will apply. [more information]
- MoneyGram®: Add cash at over 25,000 agent locations. Your funds will post within 30-60 minutes. An agent load fee will apply. [more information]
- Western Union®: Add cash at over 47,000 Western Union agent locations. Your funds are available within 30 minutes. A retail load fee will apply. [more information]
- Bank wire transfer: Send a Federal Reserve Wire Transfer from any bank or financial institution. Your funds are available the same business day they are received. An incoming wire fee will apply.
Can I deposit funds from my Wired Plastic account into a bank account?
Yes. You can deposit funds from your Wired Plastic Prepaid Visa Card into any authorized U.S. bank account for a $0.95 fee by logging in to your Wired Plastic account online and selecting "Money Transfer".
What are the loading limits for the Wired Plastic Card?
There are NO LIMITS for direct deposit, wires or bank transfers. The minimum for your initial cash load is $20.00; however, the minimum for all subsequent cash loads is $10.00. The maximum amount for every individual cash load varies by load location. In a 48 hour period you can add a total of $2,500 in cash.
How do I add cash using PayZone™, Western Union® or MoneyGram®?
To add cash at a PayZone™ location: [store locator]
Load Fee: Varies
- Give your card to the associate to swipe or key in your 16-digit card number.
- Give cash and load fee to the associate (fee and minimum/maximum loads varies by retailer).
- Keep the receipt for your records.
- Your funds will be posted to your Wired Plastic account in 30-60 minutes.
To add cash through PayZone™ at participating Americas Cash Express locations:
[store locator]
Load Fee: $3.00
- At the location tell the store associate that you need to load funds onto your card.
- Give your card to the associate.
- IMPORTANT NOTICE - the store MUST swipe your card to start the transaction, they CANNOT key in your 16-digit card number.
- Give cash and load fee to the associate, $10.00 minimum, $2,500 maximum.
- Approve the amount of the transaction on the PIN Pad.
- Keep the receipt with your transaction number for your records.
- Your funds will be posted to your Wired Plastic account in 30-60 minutes.
- IMPORTANT NOTICE: Funds can take over 1 hour to post to your card. If the ACE location is unable to load your card please have them contact Store Support by calling 1-888-753-2384.
To add cash through Payzone™ at participating IPP locations: [store locator]
Load Fee: $2.95
- At the location tell the store associate you need to make a payment through IPP.
- Tell the associate to select the PayZone biller from the Just in Time payment screen.
- Give the associate your card to key in your 16-digit card number.
- Give cash and load fee to the associate, $10.00 minimum, $1,000 maximum.
- Keep the receipt with your transaction number for your records.
- Your funds will be posted to your Wired Plastic account in 30-60 minutes.
- IMPORTANT NOTICE: If the IPP Agent is unable to load your card please have them contact Agent Support by calling 1-888-477-7297.
To add cash at a Western Union® Agent location: [store locator]
Load Fee: $3.95
- Visit a Western Union Agent location and complete the gray Western Union Prepaid Services / SwiftPay form using the following information:
- Account Number: your 16-digit card number
- Pay To Company: Wired Plastic
- Amount: cash you want to load ($10 minimum, $950 maximum)
- Give cash, completed form, and load fee to the Western Union Agent (no Checks or credit cards accepted).
- Keep the receipt for your records.
- Your funds will be posted to your Wired Plastic account in 10-15 minutes.
To add cash at a MoneyGram® agent location: [store locator]
Load Fee: $3.95
- Visit a MoneyGram Agent location and complete the blue ExpressPayment form using the following information:
- Receive Code: 4741
- Pay To Company: Wired Plastic
- City: Salt Lake City, State: Utah
- Account Number: your 16-digit card number
- Amount: cash you want to load ($10 minimum, $999 maximum)
- Give cash, completed form, and load fee to the MoneyGram Agent (your account will also be charged a $.95 convenience fee).
- Keep the reference number that confirms your transaction for your records.
- Your funds will be posted to your Wired Plastic account in 30-60 minutes.
How do I find the Payzone™, Western Union®, or MoneyGram® agent that is nearest to me?
Visit the Wired Plastic Store Locator at www.wiredplastic.com/storelocator. You can also contact the Wired Plastic toll-free account information line at 1 (866) 335-4784 and select #6 to search by Zip Code.
Questions About Account and Card Management
How do I view my account activity?
You can view all account transactions by logging in to your Wired Plastic account online and selecting "Account Details". The Account Details screen shows transaction history, spending summary and available balance.
What happens if I return something I purchased with my Wired Plastic Prepaid Visa Card?
When you return something purchased with your Wired Plastic Prepaid Visa Card, the merchant will credit the amount of the return to your account. Because returns are handled via the merchant’s bank, credits may take 2-3 business days to appear in your Wired Plastic account.
If my Wired Plastic Prepaid Visa Card is lost or stolen, can somebody use it?
Unfortunately yes. So if your Wired Plastic Card is lost or stolen, contact the Wired Plastic toll-free account information line at 1(866)335-4784. Enter your account information, then select option 3, "Card Status and Security" then select either "Lost" or "Stolen," you can deactivate your card to prevent unauthorized use. If you don’t have your card number contact customer service at (801)383-1003 to deactivate your card.
If your Wired Plastic Prepaid Visa Card has been lost or stolen, a replacement card will automatically be issued for a fee of $3.95.
How do I report fraud on my Wired Plastic Prepaid Visa Card?
In the case of suspected fraud contact the Wired Plastic customer service at (801)383-1003.
How do I check my current balance?
Go to www.wiredplastic.com and login. Click the Account Details option. The Account Details screen shows transaction history, spending summary and available balance. Also, did you know you can sign up for Wireless Alerts via text message or email? These convenient services alert you of your balance when any card activity occurs. You can sign up for these services when you login to your account, and click ‘Alerts.’ You can also contact the toll-free account information line at 1(866)335-4784.
What if I disagree with my balance total?
Inform customer service via secure email by logging in and clicking ‘Contact Us.’ Or call customer service at (801)383-1003.
What is the PIN?
The PIN (Personal Identification Number) is a four digit number that is used when making purchases. It is a security feature that personalizes your card. We recommend you keep this number safe; do not keep it in your wallet, or write it on the card.
You will need your PIN if you select “Debit” when you swipe your card, but not if you select “Credit.” Also, the ATM console will require you to input your PIN when withdrawing money.
You can personalize your PIN by contacting the toll-free account information line at 1(866)335-4784. When you personalize your PIN, choose a number that you are familiar with so you don’t easily forget it.
What if I forget my PIN?
Visit www.wiredplastic.com and login. Click on Update Profile and choose Change Card PIN Number, or contact customer service at (801)383-1003; they can help you reset and choose a new PIN.
How do I close my Wired Plastic account?
Please contact customer service at (801)383-1003. You can transfer your remaining balance to another account, or have us send you a check in the mail. You also have the option to withdraw your funds at an ATM. (fees included). You will need to send us your card or destroy it. Send your Wired Plastic Prepaid Visa Card to us at P.O. Box 71402 Salt Lake City, UT 84171.
Will I receive a monthly statement?
No. But you can access your statement online. Go to www.wiredplastic.com and login. Click Account Details. The Account Details screen shows transaction history, spending summary and available balance. If you would like a monthly statement faxed or mailed to you, contact customer service at (801)383-1003.
When are your customer service representatives available?
Wired Plastic customer service representatives are available by calling (801)383-1003 Monday through Friday from 8 a.m. to 8 p.m. and Saturday from 9 a.m. to 5 p.m. Mountain Standard Time. You can also access your account balance or transaction history, report your card lost or stolen, pay bills with Click-n-Pay and charge long distance calls to your account 24 hours a day by calling the Wired Plastic toll-free account information line at 1(866)335-4784.
Questions about purchasing options
Where can I use the Wired Plastic Prepaid Visa Card?
The Wired Plastic card is accepted at Visa locations worldwide. However, some car rental companies and hotels do not accept prepaid Visa cards.
Can I use the Wired Plastic Prepaid Visa Card to make reservations at hotels?
It depends on the hotel. When you make a reservation at a hotel it is called an ‘open end transaction.’ That means the total amount due is unknown. The hotel has the right to authorize more than the initial payment to cover damages that could occur during your stay. The hotel can place a hold on these funds for 30 days. Many times the card will not have sufficient funds to cover additional charges; for this reason some hotels do not accept prepaid cards. However, some hotels will accept prepaid cards under special rules; therefore, we recommend you first call the hotel and inquire about their prepaid card policy.
Can I use the Wired Plastic Prepaid Visa Card to rent a car?
It depends on the rental agency. When you make a car reservation it’s called an ‘open end transaction.’ That means the total amount due is unknown. The agency has the right to authorize more than the initial payment to cover fuel refills or damages that occurred during your rental. They can place a hold on these funds for 90 days. Many times the card will not have sufficient funds to cover additional charges; for this reason some car rental agencies do not accept prepaid cards. However, some will accept prepaid cards under special rules; therefore, we recommend you first call the rental agency and inquire about their prepaid card policy.
Can I use the Wired Plastic Prepaid Visa Card to purchase gas at the pump?
Yes, but to pay at the pump you must have a $50 balance. If you don’t have a $50 balance your card will be declined. If you want to buy gas without a $50 balance, go inside and have the cashier enter the amount you would like to buy.
Can I spend more money than I have?
No. Your card will be accepted only if you have loaded enough money onto the card to cover what you buy.
Questions About the Wired Plastic Website
How secure is my account information?
The Wired Plastic website uses the latest 128 bit encryption technology to secure your account and personal information online. Wired Plastic follows strict procedures to ensure that your account and personal information is never shared or misused in any way. For more information regarding your privacy, please view our privacy policy by clicking the link on the Wired Plastic website.
Which browser works best with your website?
The Wired Plastic website is best viewed with Microsoft Internet Explorer 5.5 or higher, AOL 6.0 or higher, and Netscape Navigator 6.0 or higher. |
