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There are many ways you can use your Card without incurring a fee.² You can:

• Make signature or PIN-debit purchases anywhere Mastercard debit cards are accepted — in stores, online or over the phone.

• Get cash back with a PIN debit purchase, where available.

• Get cash from surcharge-free in-network ATMs nationwide that carry the AllPoint^® brand.

Please refer to the material in your Welcome Packet and your Fee, Balance and Transaction Limit Schedule and Account Holder Agreement online at account.moneynetwork.com to find more ways to use your Card without a fee.²

Yes, you can use your Card to make purchases if the merchant’s website accepts Mastercard debit card payments. You will need to enter your Money Network Card information: 16-digit card number, expiration date and 3-digit code from the Card back. Make sure you have used the correct billing address associated with your Card Account. To review or change your billing address, log in to your Card Account using the Money Network App¹ and click "My Settings" or log in online at account.moneynetwork.com and click on "My Profile." Point-of-Sale transaction limits apply. For more information, please refer to the material in your Welcome Packet and your Fee, Balance and Transaction Limit Schedule and Account Holder Agreement online at account.moneynetwork.com.

Yes, you can use your Card to make purchases at stores accepting Mastercard debit cards. Once you are ready to pay: Insert your Card into the card reader or present your Card and follow the prompts on the screen. You can choose to sign for the transaction or enter your 4-digit PIN. The process to make purchases may vary by merchant. You can get cash back at participating merchants when entering your 4-digit PIN for purchases. Point-of-Sale transaction limits apply. For more information, please refer to the material in your Welcome Packet and your Fee, Balance and Transaction Limit Schedule and Account Holder Agreement online at account.moneynetwork.com.

To purchase gas using your Money Network Card, you should give your Card to the attendant to prepay for gas in order to avoid a pre-authorization. As with most debit cards, if you pay at the pump, merchants will pre-authorize your purchase, which temporarily puts a hold on your Card balance that could be greater than the transaction amount. Once processed, the money will be released, and your balance will be adjusted. Pre-authorized funds may take up to 7 business days to be released back to your Card Account balance.

Yes, you can use your Card to withdraw cash from ATMs. Use our Locator found in the Money Network App¹ or online at account.moneynetwork.com to find surcharge-free in-network ATMs near you that carry the AllPoint brand. There’s no fee to withdraw cash at in-network ATMs, but fees may apply if you use an out-of-network ATM.² To get cash, simply:

1. Enter your 4-digit PIN

2. Select “Withdrawal” from “Checking”

ATM withdrawal limits apply. For more information, please refer to the material in your Welcome Packet and your Fee, Balance and Transaction Limit Schedule and Account Holder Agreement online at account.moneynetwork.com.

There are multiple ways you can access cash using your Card (please note that limits may apply to the amount of cash you are able to withdraw at merchants and ATMs):

Cash from an ATM:

There’s no fee to withdraw cash at in-network ATMs that carry the AllPoint brand, but fees may apply if you use an out-of-network ATM.² To get cash, simply:

1. Enter your 4-digit PIN

2. Select “Withdrawal” from “Checking”

ATM withdrawal limits apply. For more information, please refer to the material in your Welcome Packet and your Fee, Balance and Transaction Limit Schedule and Account Holder Agreement online at account.moneynetwork.com.

Cash-back from participating merchants:

The easiest way to get cash back with your Card is at the places you already shop, like grocery and convenience stores. Simply:

1. Select “Debit” on the keypad

2. Enter your 4-digit PIN

3. Select “Yes” for cash-back

4. Enter the amount and hit “OK”

Point-of-Sale transaction limits apply. For more information, please refer to the material in your Welcome Packet and your Fee, Balance and Transaction Limit Schedule and Account Holder Agreement online at account.moneynetwork.com.

Cash from a bank or credit union teller:

You can visit any bank or credit union branch to withdraw cash, but fees may apply.² To withdraw cash:

1. Know your balance beforehand – the teller cannot tell how much money you have on your Card

2. Ask the teller for the amount you would like to withdraw

3. You’ll need your 4-digit PIN and may be asked for an additional form of ID

Bank/Teller Over-the-Counter withdrawal limits apply. For more information, please refer to the material in your Welcome Packet and your Fee, Balance and Transaction Limit Schedule and Account Holder Agreement online at account.moneynetwork.com.

Please refer to the material in your Welcome Packet or see your Account Holder Agreement online at account.moneynetwork.com for details about daily limits for withdrawal transactions. ATM owners may also have withdrawal limits in place.

There’s no fee to withdraw cash at in-network ATMs that carry the AllPoint brand, but fees may apply if you use an out-of-network ATM.² To get cash, simply:

1. Enter your 4-digit PIN

2. Select “Withdrawal” from “Checking”

Yes, you can use your Card to pay your rent or mortgage if your landlord or mortgage company accepts Mastercard debit card payments. You will need to enter your Card information as directed by your landlord or mortgage company to complete your transaction. You can also use a free² Money Network Check to make these payments with the funds in your Card Account. Point-of-Sale transaction limits and Money Network Check limits apply. For more information, please refer to the material in your Welcome Packet and your Fee, Balance and Transaction Limit Schedule and Account Holder Agreement online at account.moneynetwork.com.

Yes, you can use your Card for recurring bill payments; however, you must ensure you have sufficient funds to cover the entire bill.³ If you have insufficient funds, then your payment may be declined or partially authorized. To complete the partially authorized purchase, you need to either use another form of payment or attempt a transaction equal to or less than the available balance of the Card Account.

Yes, you can easily transfer the funds² from your Money Network Card to an existing bank account using the Money Network App¹ or online at account.moneynetwork.com. You will need the Routing and Account number for your bank account. To transfer funds, select "Move Money Out" and follow the steps to set up your ACH transfer. Transfers should post to your bank account in 1-2 business days.

ACH Transfer to Domestic Bank limits apply. Please see your Account Holder Agreement online at account.moneynetwork.com for more information.

Yes, most P2P apps (like Venmo or Zelle^®) will accept your Money Network Card as a source of funding. Check with the P2P provider for specific instructions.

If you have misplaced your Card, you can lock your Card using the Money Network App¹ or online at account.moneynetwork.com to prevent unauthorized transactions or ATM withdrawals while you look for it.

If your Card is permanently lost, it is important that you call Customer Service at 1-866-387-5146 to report your lost or stolen Card immediately.

Your Card will be deactivated to prevent anyone from using it and a new replacement Card will be ordered. Fees may apply. For more information, please refer to the material in your Welcome Packet and your Fee, Balance and Transaction Limit Schedule and Account Holder Agreement online at account.moneynetwork.com.

Pending Transactions are transactions (such as Point-of-Sale purchases, ATM withdrawal, transfer of funds, etc.) that have been made with your Card but have not yet cleared your Account. Typically, merchants settle outstanding transactions at the end of the day, however, settlement policies vary by merchant. While a transaction is pending, the funds will not be available for your use.

If there is not enough money in your Available Account Balance to cover a purchase, the transaction may be declined or partially authorized. To complete the partially authorized purchase, you need to either use another form of payment or attempt a transaction equal to or less than the available balance of the Card Account.

First, you should check your available Account balance to see if you have sufficient money available and check the expiration date on your Card to see if it is still valid. If you have sufficient money and your Card is still valid, call the number on the back of your Card for assistance.

Each time you write a Money Network Check you should check your balance using the Money Network App¹ or online at account.moneynetwork.com to ensure you can cover the Check amount. Write today's date and the dollar amount on the Check. Write a name in "PAY TO THE ORDER OF." Call the number on the back of your Card to access your Account and select the Money Network Check option. Enter the check number and the digit, then enter the amount you wrote on the Check without the decimal point and press "#." Write the issuer number and transaction number provided by the automated phone system. Your finished Check's amount will be deducted immediately from your Account.

To request Checks, please call Customer Service at 1-866-387-5146.

In the Money Network App,¹ click on "Trouble Signing In?" and follow the steps or visit us online at account.moneynetwork.com and then click "Forgot my User ID" and follow the steps to reset.

In the Money Network App,¹ click on "Trouble Signing In?" and follow the steps or visit us online at account.moneynetwork.com and then click "Forgot my Password" and follow the steps to reset.

Yes, you can use a four-digit number of your choice. Remember, your PIN keeps your Account and the money in it secure. You should never give your PIN to anyone for any reason, not even to someone you trust. Also, for your Account security, do not use personal information as your PIN.

Call Customer Service at 1-866-387-5146 and follow the menu prompts to create a new PIN. Your new PIN will be active immediately.

• Enroll in Account Alerts: Get alerted when deposits are posted, cash has been withdrawn, purchases have been made, and when your balance falls below a designated amount by enrolling in Account alerts on your Money Network App.¹

• Update Your Password: Change your password periodically, using a combination of letters, numbers and symbols that are different from your other online accounts.

• Lock Your Card: If you misplace your Card, you can lock your Card using the Money Network App¹ or online at account.moneynetwork.com to disable outgoing Card transactions, providing additional peace of mind.

Mastercard's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Mastercard, or certain commercial card transactions. You must notify us promptly of any unauthorized use. Please see your Account Holder Agreement for more information. Consult us at 1-866-387-5146 for additional details or click here to learn more.