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Loaded with Benefits, Not Fees!
Frequently Asked Questions
What is the iCareCard?
The iCareCard is a Reloadable Visa Debit Card.
Is the iCareCard a Pre-Loaded card?
Yes. The iCareCard draws funds from your current checking account. The funds on your card are FDIC insured up to $250,000.
Can I still use my current bank accounts?
Yes, iCareCard uses your existing bank account to place funds on your iCareCard. You can decide how much money you want to keep on your iCareCard account to support your expenditures. As you continue to use your iCareCard for purchases, your card will automatically be reloaded from your checking account, based on the limits you choose when you order your card.
What are the advantages of using the iCareCard?
There are a number of advantages, including: - The card provides a low transaction fee to the merchant, allowing him to hold down prices to the benefit of you, the customer. - There is no cost to you for using your card to make a purchase. - Use of the iCareCard provides benefits to the charities or special causes that you select when you activate your card, at no cost to you. - You can set both Daily and Weekly spending limits for each card, so the cards can be an effective management and budgeting tool.
Which merchants will accept the iCareCard?
The vast majority of merchants, worldwide, will accept the card.
How do I get the $.03 Per Gallon Fuel Discount?
Use your iCareCard to pay at the pump and select the "Credit" option. The fuel discount does not apply when you select the "Debit" option and enter a PIN, and does not apply if you pay inside the store/station by either method. - Use your iCareCard for everyday purchases. To qualify for the fuel discount, there must be at least 3 purchases of $10.00 or more each for every 1 fuel purchase on your account, per month. Use your iCareCard at grocery stores, restaurants, pharmacies, and other retailers (including online!) for your routine purchases, and for every 3 qualifying purchases, you earn a discounted fill-up at the gas station! - The fuel discount applies only to the first $50 of any single fuel purchase transaction, and applies to gasoline and diesel fuels of any grade.
Can I use my iCareCard at an ATM?
Yes, you can use your card at nearly any ATM, worldwide.
Is there a fee for using an ATM?
Yes, your fees from iCareCard are listed in the Cardholder Disclosure Agreement. In addition, the owner of the ATM that you use may assess an additional fee. That fee should display on the ATM before you make your transaction, and at that point you can decide whether to proceed. You may want to consider using your iCareCard at one of thousands of merchants who provide a Cash Back option. Typically there are no fees associated with a purchase, and a Cash Back option. Some merchants allow you to receive as much as $100.00 back.
Can I use my iCareCard for purchases by phone or online?
Yes, most merchants accept the iCareCard for phone and online purchases.
Can I write checks on my iCareCard account?
No, your iCareCard is established simply for the purpose of supporting your card purchases, It does not take the place of your existing checking account.
Can I set up my iCareCard account to automatically receive recurring deposits, such as my payroll earnings?
Yes, you can set up Direct Deposit transfers to your iCareCard account. Check with us to an we will work with your employer or other payer.
Can I set up my iCareCard account to automatically pay bills, such as my utility bill?
If the issuer of the bill accepts payment by credit or debit card, you can pay the bill using your iCareCard - either one time, or on an automatically recurring basis. Simply set up payment(s) as a credit/debit card, using the information on your iCareCard and the instructions from the biller.
How do I increase the amount of funds I keep on my iCareCard?
Log in to your account and select the "Profile" option.
How do I transfer funds out of my iCareCard account?
Log in to your account and select "Transfers."
My bank has set daily limits on my current check card. Does the iCareCard have limits?
Like any debit card, you must have money on your iCareCard to use it, however you may set your own daily and weekly spending limits.
Can the iCareCard be used without a PIN?
Yes, when you activate your card you can select a PIN that will be easy for you to remember. You may then make purchases with your iCareCard by either entering your PIN, or signing for the purchase, depending on the capabilities of the individual merchant. You can usually make PINless purchases with your card by selecting the “Credit” button on a card terminal.
Can the iCareCard be used as a credit card?
No, the card is strictly a Debit Card, meaning that it will always draw funds from your Card balance. You can usually make PINless transactions with your card by selecting the “Credit” button on a card terminal.
Why do you ask for my Social Security Number?
Since the attacks of 9/11/01, the Department of Homeland Security has passed regulations designed to provide positive identification of people getting cards. The information we request is used for that purpose.
What is the iCareCard program?
The iCareCard program is a charitable giving program. The program allows you to select a charity or special causes that you would like to have your iCareCard support. For each qualifying purchase made with your iCareCard, we provide a donation to those charities or special causes, at no cost to you.
How do I select the charities or special causes that I would like to have my iCareCard support?
Log in to your account and select "Profile" to select your desired charities or causes.
How do I get an iCareCard?
If you would like to have a card mailed to you, go back to the previous page, click one of the "Order" buttons, and complete the registration information.
Can I have iCareCards for my Business?
Yes, and each card can draw funds from the same Business DDA Account. Each card will have its’ own unique PIN. When completing your enrollment information you may order the number of cards you need, and the name to be associated to each card. You can assign unique Weekly and Daily limits to each card, so additional cards may be requested for employees, etc. allowing for an easy way to limit spending on a per-card basis.
What is a “Referral Organization?”
A Referral Organization is the company, organization, or store who provided the iCareCard information to you.
How can I change the charities or special causes that I want to support?
Log in to your account and select "Profile" to edit your selections.
Why is there a Visa logo on my iCareCard?
Not all merchants are equipped to accept a PIN at the point of sale. The Visa logo allows the card to be used at virtually all merchants.
How do I know the specific rules and regulations related to my iCareCard?
The Cardholder Disclosure Agreement (CDA) is displayed during the ordering process.
If I have a question how can I get an answer?
The most efficient way is for you to fill out the inquiry form at www.iCareCard.org. We will answer your question as quickly and accurately as possible.
If I lose my card, or feel it has been compromised, what do I do?
If your card has been lost or stolen, you should immediately call us. If you feel that an unauthorized person has learned your PIN and you want to change it, you can do so by calling us. In either situation, just call us at 888-326-5263, and select the appropriate option.
How can I keep track of my purchases with my iCareCard?
You may log in to your account and select "Transactions" to review your purchases.
Will I receive a monthly statement from your bank?
No, just log in to your account and select the transactions for the previous month. This report can also be printed or downloaded.
The charity I would like to have my iCareCard support is not on the list. What should I do?
While we would like to support all charities, there are literally thousands of worthy causes. If you would like to submit a charity or special cause for consideration, you may do so by filling in the Customer Service screen and sending the request to us. Requests are reviewed on a regular basis and added to the list. In the meantime, please select those charities that most closely fit your charitable giving preferences.
How can I close my iCareCard Account if I need to?
Go to the iCareCard.org website, Select "Cardholder Support" and then complete the email form. Upon receipt and verification, your account will be closed, and any remaining funds will be sent to you. Your iCareCard will become inactive at that point.
When does the week start and end for my weekly limits?
For weekly limits purposes, the week starts each Thursday at approximately 7:00 PM Central Time, and runs through the following Thursday at approximately 6:59 PM Central Time.
What are the cutoff times for Daily Limits?
For daily limits purposes, the day starts at 5:00 PM Central Time, and runs through the following day at 4:59 PM Central Time.
What is “Amount on Hold?”
Amount On Hold is a dollar amount which is set aside to pay for Signature Purchases (PINless) that you have made with your iCareCards, but which have not yet “Settled.” A signature based purchase normally causes two transactions to occur, a “PreAuthorization”, and a “Completion.” The PreAuthorization is done immediately when your card is swiped at a terminal. The purpose is to verify the validity of the card, and also to verify that there are adequate funds in your iCareCard Account to cover the anticipated cost of the purchase. A “Completion” is normally done at the end of the merchant’s business day. Consequently, many times a PreAuthorization is presented on one business day, while the Completion may be submitted a day or two later. The amount of the PreAuthoizations, at any given time, make up the Amount On Hold. Normally, the amount of a PreAuthorization, and the Amount of the corresponding Completion will be the same. There are at least two notable differences, however. Example 1: Restaurants-Typically when you finish your meal, you will give your iCareCard to the wait staff after having been presented with your bill. The waiter will take your card and run it through the restaurant terminal, with a dollar amount equal to the amount of your bill. This is the PreAuthorization. The waiter then returns with a ticket for you to sign, including a line for you to add a tip, and total the bill. The waiter will then take your completed ticket back to the terminal and “Complete” the transaction for the total at the bottom of the ticket, which now includes your tip. This Completion will most likely be submitted to the system at the end of the business day. In this scenario, the dollar amount difference between the PreAuthorization and Completion is only the amount of your tip. Example 2: Pay at Pump using Signature (typically done by using the “Credit” button on the pump). The process is similar to the example above, except that the fuel vendor has no idea how much fuel you will pump. The PreAuthorization occurs when you insert your card at the pump before you begin fueling. A common practice in this instance is to set the PreAuthorization amount at $1.00. After you finish fueling, the Completion will be submitted at the end of the business day for the actual amount of fuel you pumped. In this case there will normally be a very large difference between the PreAuthorization and the Completion, ie a $1.00 PreAuth and a $65.00 Completion. Remember that the Amount On Hold is the sum of the outstanding PreAuths, so in the 2 example above, the PreAuth is not really reflective of the amount that you have spent with your iCareCard. You should keep this in mind if you are trying to closely monitor the balance in your iCareCard Account, because iCareCard won’t know the true amount of the Completions until they are submitted to the system.
How do I set up text messaging alerts?
When you set up your account (Profile) you can choose various options for us to notify you of your Account Balance. One of those options is for a text message. You simply put your text mail address into the Profile. Text mail addresses are similar to an email address, and the various providers each have a specific addressing formula. If you choose to use text messaging, you should check with your provider to understand whether you have texting available, and if there is a cost to you for receiving text messages. The text mail addressing standards, at this time, for some of the more popular providers is as follows: AT&T Wireless:
nnnnnnnnnn@txt.att.net U.S. Cellular:
nnnnnnnnnn@email.uscc.net Verizon Wireless
nnnnnnnnnn@vtext.com Note: Replace the “n”s with your 10 digit mobile number.
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