The Prepaid Ovation Cash MasterCard is a prepaid stored value card. You load funds onto the card and you spend only the amount of funds you have available. There is no credit line associated with the Prepaid Ovation Cash MasterCard, which means No Credit Checks, No bank accounts are needed. It looks and works exactly like a debit card and can be used at ATMs and retail stores worldwide, and you never pay any interest on your purchases! You are in control of your spending. The Prepaid Ovation Cash MasterCard is not tied to your bank account, so you maintain control of your spending, plus, it protects you against fraudulent activity that could wipe out your entire bank account.
- How can I get a Prepaid Ovation Cash MasterCard?
Contact your affiliate company to see how you can get an Ovation Cash MasterCard. Once your card is ordered, you can expect your card to be delivered to your mailing address within 7-10 days of your application.
- How long will it take to receive my Prepaid Ovation Cash MasterCard?
Your Prepaid Ovation Cash MasterCard should arrive in the mail in 7-10 days from our receipt of your order form and check or money order made payable to Prepaid Ovation Cash MasterCard. Checks and Money Orders may take up to 10 days to clear our bank, and load the funds onto your Card.
- Who is the Issuing Bank for the Prepaid Ovation Cash MasterCard?
The Prepaid Ovation Cash MasterCard is issued by Palm Desert National Bank, (member FDIC) located in Palm Desert, CA. Cardholders do not maintain a bank account or extension of credit of any kind through Palm Desert National Bank.
- Who can get an Prepaid Ovation Cash MasterCard?
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. Currently we do not issue cards to residents of Puerto Rico, Guam, the Virgin Islands, American Samoa or other U.S. territories. All card orders are subject to verification against OFAC screenings. All cards distributed must meet USA PATRIOT Act and other laws prior to being issued. There will never be a credit check associated with the issuance or in maintaining this card.
- How does the Prepaid Ovation Cash MasterCard protect my identity and money from theft?
Your Prepaid Prepaid Ovation Cash MasterCard is not linked to your credit bureau information or any of your other accounts. If your card is lost or stolen, your money is protected by the MasterCard Zero Liability Policy. You may access your monthly statements online so your statements are not mailed to your home, protecting your personal name, address and card account information from mail fraud -- one of the fastest growing and quickest ways for thieves to steal your identity.
- Is my Prepaid Ovation Cash MasterCard Secure?
Your PIN protects access to the funds on your card, making it safer than carrying cash. Even if your card is lost or stolen, your money is safe because only you know your PIN. Never keep your PIN# with your card.
- How am I protected if I lose my card?
Your Prepaid Ovation Cash MasterCard can be used for ATM and PIN-based transactions utilizing your personal PIN number that only you know; this PIN will prevent unauthorized usage. If you suspect that someone has learned your PIN number, you should call our toll free customer service number immediately to report your card lost or stolen, if the card is missing, or to change your PIN to a new number that only you know. Your card can also be used for signature-based transactions, and is protected by the MasterCard Zero Liability Policy. You should sign the back of your card upon receipt for your protection. Report a lost or stolen card immediately by calling customer service at 1-800-546-8302.
- What happens if my Prepaid Ovation Cash MasterCard is lost or stolen?
If your Prepaid Ovation Cash MasterCard has been lost or stolen, immediately contact Customer Service toll-free at 1-800-546-8302. When you select the Lost/Stolen option, you can speak to a live customer service operator to deactivate your card to prevent unauthorized use. You will be given the option to order a replacement card for a nominal fee. When you receive your new card, you may call to activate the new card, and then opt to speak to a customer service operator, who will transfer the remaining balance of your old card to your new card.
- How do I change my card account information and personal PIN number?
You can do this online or by calling customer service. For online changes, simply log into your account and select the appropriate function on the main page. You may also change your PIN number on our Interactive Voice Response Unit (IVR) (1-800-546-8302) which is an automated system that allows you to enter your current PIN number to access the system and then select the PIN Change option to set a new four digit PIN. To update your mailing address or other personal information, you may contact a live customer service operator by calling our toll free number (1-800-546-8302) for live assistance.
- What if I forgot my PIN?
Call Customer Service at 1-800-546-8302. Be prepared to provide your personal card account information.
- When is live customer service available?
Ovation Cash Prepaid MasterCard Customer Service representatives are available 24 hours a day, 7 days a week by calling 1-800-546-8302. You can also access your card account balance or transaction history, share funds with Ovation Cash Prepaid MasterCard cardholders, 24 hours a day by calling the our toll-free card account information line at 1-800-546-8302 or via the Internet at www.ovationcash.com.
- Where can I use my Prepaid Ovation Cash MasterCard?
Your Prepaid Ovation Cash MasterCard can be used at over 1.1 million ATMs and millions of retail stores worldwide, or over the phone and on the internet. It can be used anywhere MasterCard debit cards are accepted. Use your Prepaid Ovation Cash MasterCard to purchase groceries, gas, music or books online, rent a car… or anything you would like. It works like a debit card, but the funds are prepaid. Be sure to check your balance frequently online or call our toll free number 1-800-546-8302 24 hours a day, 365 days a year for automated card account information.
- Are there Fees Associated with using my Prepaid Ovation Cash MasterCard?
Yes, although the fees are nominal, and we are certain you will notice the fees associated with your Prepaid Ovation Cash MasterCard are drastically lower than using other services, or traditional bank account monthly fees. The Fees may be found in our Terms and Conditions, which accompanies your card, or on our Web site, in the Fees section.
- How can I check my balance, review transactions or download statements?
You can check your transaction history by either logging into your account online or by calling the customer service automated attendant. All of your transactions are available for review both online or via the IVR, automated system immediately. Simply login to your account and you can review your transactions, check your balance, or view and/or print monthly statements. You can move money from your card to your bank account, to another Ovation Card, Sign up For Direct Deposit of your Paycheck, plus many other features, by calling our toll free number, found on the back of your card and following the appropriate prompt.
- What are the ATM withdrawal and load limits on my Prepaid Ovation Cash MasterCard?
You can load a maximum of $2,500 from all deposit sources (loads and ACH direct deposits). The maximum balance allowed on the card at any time is $9,999.00. The daily ATM withdrawal limit is $500. Please review the online Cardholder Agreement for the most up-to-date information about your Prepaid Ovation Cash MasterCard.
- Can I withdraw all of my money at one time?
Yes, however, the daily ATM withdrawal limit is $500. Remember that some ATMs have a preset limit that may be lower than $500. You may withdraw up to $500 per day, depending on the ATM machine, which will vary with each actual machine. You may withdraw as many times per day as you wish, as long as the total withdrawal per day does not exceed the $500 daily limit. You may, however, move all of funds from your Prepaid Ovation Cash MasterCard to another bank account at any time for no charge through your on-line account.
- What if I don't have enough money on my card, can I make a purchase?
No, since your card is prepaid, you can only spend the available balance on your card. However, if you do make a purchase, you as the cardholder are responsible for making that purchase. If an overdraft situation occurs, you are responsible for adding money to your card to cover all of your purchases. There is a fee if an overdraft occurs. Please see your "Terms and Conditions" for additional information on fees.
- Can I use my card at "Pay at the Pump" gas stations?
When the card is used for "Pay at the Pump" gasoline transactions, the machine will send through a preliminary authorization just to make sure your card is valid with sufficient funds to cover the potential cost of filling up your tank. In most cases, the preliminary authorization is for $50.00. Therefore, if you have less than $50.00 available on the card, see the store clerk and have them process the transaction for the exact amount.
- Why might my purchase decline if I have available funds? Why is the amount shown as 'pending' different than the amount I actually spent at that merchant?
When you present your Card to a merchant, the merchant may obtain a preauthorization for the transaction. Examples of merchants that perform this preauthorization are hotels, car rental companies, restaurants, etc. A thirty-day hold will be placed on the value on the Card in the amount of the preauthorization request made by the merchant. A ninety-day hold will be placed on the value on the Card in the amount of the preauthorization request made by car rental merchants. If the merchant's preauthorization request varies from the amount of the transaction the merchant subsequently submits to the MasterCard system as the actual charge, settlement of the transaction may not remove the hold, which may remain on the Card until the hold days have expired which may take up to 30 days. This can take place if the merchant does not remove the hold in anticipation of additional charges being made for the same transaction. If your Card is subject to a hold, the value on the Card that is subject to a hold will not be available to you for withdrawal or other purposes, apart from the transaction that was the reason for the preauthorization hold. Again, this is just a hold on the money until we receive the final amount you spent. Once this transaction settles, you'll see the correct amount reflected in your statement. Be aware that restaurants can "hold" 20% over the ticket price and hotels can hold up to $1,500.
- What happens if I return something I purchased with my Prepaid Ovation Cash MasterCard?
When you return something purchased with your Prepaid Ovation Cash MasterCard, the merchant will credit the amount of the return to your card. Because returns are handled by the retailer's bank, credits may take 2-3 business days to appear on your Prepaid Ovation Cash MasterCard. Be sure to check the return policy at the retailer where you shop, to understand each stores policy.
- Can I let anyone use my Prepaid Ovation Cash MasterCard?
Only authorized users are allowed to use the card. You are responsible for any transactions made by someone other than yourself if you authorize use by another person. If you want to allow and authorize someone other than yourself to access your balance, you may, but please remember, your Prepaid Ovation Cash MasterCard should be treated just as your other bank cards, checking accounts, or other personal and private information. It is up to you, the cardholder to keep your PIN private, and you should report your card lost/stolen if you feel someone other than a person you have authorized at any time to access and use your card, has learned your PIN, or taken your card.
- How do I activate and load my Prepaid Ovation Cash MasterCard?
To activate you Prepaid Ovation Cash MasterCard, simply call our toll free number, 1-800-546-8302 and the automated system (IVR) will guide you through the process. The ABA Routing Number and Account Number associated with your card are printed in the bottom right hand corner of the card carrier. To have all or just a portion of your paycheck direct deposited onto your Prepaid Prepaid Ovation Cash MasterCard, simply enter the ABA Routing Number and Account Number on your employers Direct Deposit form. The cost for all of these services will conveniently be deducted from the available account balance on your Prepaid Ovation Cash MasterCard.
