1.What is a debit card? There are two types of debit cards; prepaid/stored value cards (SVC) and standard debit bank cards.
The SVC card has a limited value in the account balance, depending on the payment you received from your unemployment insurance claim.
There are no fees for the SVC card.
The regular bank issued debit card allows you to spend and overdraw your account, but you are charged a substantial -Quite simply, that means that your payments are posted to the card and you can access it by using your card at a bank machine (ATM) or by using it like a bank debit card to make purchases.
2.What name will be printed on the card? As a cardholder your name will be embossed on the front of the card along with the expiration date and the card number.
The bank name is printed on the back of the card.
How many PINs will I have? You may have two different Personal s (PIN) for your Unemployment Insurance (UI) Benefits.One PIN is used for filing UI claims and weekly certifications by online at www.ncesc.com or by telephone for your DESindividual services.
Another PIN is for authorizing your Debit Card nks and Point-of-Sales merchants.
The Debit Card PIN eb site, www.eppicard.com or call center at 1-866-461-4096.
How can I reach a Debit Card my card yet?
-866-461-4096 you Please enter your sixteen- entry to time out.
Then the voice announcement will , you .
Can I still get access to my funds if I forget my Debit Card Personal Identification Number (PIN)? Not right away.To ensure that your money is safe, you need both your card and PIN to get at your money.However, if you forget your PIN, contact the card vendor at 1-866-461-4096 to have your PIN reset.
We will ask some pre-ged security questions that only you are able to identify.
Once you prove that you are the authorized cardholder, your PIN is reset in the nightly batch cycle and you will have to change your PIN the next day to use your card.
6.Does your debit card expire? Yes, the card expires every three years and a new one is reissued.
This ensures that the magnetic stripe on the back will not wear out and prevent the bank or equipment from accessing your funds.
How secure is my money with debit card? A debit card is as secure as a standard bank card.Just like a bank card, you can make purchases with your hand written signature or by entering your electronic signature or Personal Identification Number (PIN).
What's more, unlike a bank card, the maximum risk that you face is the amount of money stored on the card.With a normal bank card, someone who steals both your card and PIN may be able to clean out your entire bank account. (Debit Card v3 01/2012) 2
When it comes to the question of security, a personal account is setup and your funds are posted to the account.The money is not actually stored on the card.It is stored on highly-secured computers and can only be accessed if you provide your PIN when you use your card at an ATM, at a store or on the Web site, www.eppicard.com.
Your PIN is not stored anywhere on your card, not even on the magnetic stripe.The information on the stripe merely identifies you so that our systems can compare the PIN that you enter to the one that is stored in secure computers.That way, a thief who steals your card cannot learn your PIN even with a magnetic card reader.
Because your PIN is so critical to the security of your card, it is important that you protect it.
Be sure that nobody is looking over your shoulder when you enter your PIN.Even if you aren't aware of anyone watching you, it is still a good idea to shield the keys of the ATM or store debit terminal with your other hand when you enter your PIN.
How is debit card better than cash? There are lots of ways that debit card beats cash.To name just two:
a.If cash is lost or stolen it is likely gone forever.
If your debit card is lost or stolen, it can be replaced.No one can get at your money unless they also have your PIN.
(We recommend that you do not write down your PIN or, if you do write it down, never keep it in the same place as your card.)
b.A debit card is electronic money.When you use cash, you usually have to exchange your money for local currency when you travel out of the country, which can be a costly and time-consuming inconvenience.With the debit card, you can use your card at any worldwide ATM or merchant debit terminal where you see the MasterCard, Cirrus or Maestro logo.All cash withdrawals and purchases are automatically converted in the local currency.
Please check the fee charges before accepting a transaction.
.Is debit card better than using check? Cash stored on a debit card is available immediately.To cash a check, the recipient's bank usually puts the money on hold for at least a few days, and often a few weeks, until the check "clears".
10.How is debit card better than using a bank card?
a.Debit cards can be used in more places.While you can use an ordinary bank card in many ATMs around the world, you often can't use them for merchant debit transactions outside of your home country.You can use a debit card anywhere that you see the MasterCard, Cirrus or Maestro brand marks.
Please check the fee charges before accepting a transaction.
Debit cards are more secure.
Because a debit card is not tied to your bank account, in the very worst case, if someone steals both your card and PIN, the most that the thief can get is the money that remains on your card.With a bank card, they may be able to drain your entire account.
11.Where can I use my card? You can use your card anywhere that you see the MasterCard brand marks, that identify d
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Stored value cards (SVC) and standard debit payment you received from your unemploymentou to spend and overdraw your
for this is over-drawn.
2.What name will be printed on the card? on the front of the card along with the Insurance (UI) Benefits.One PIN is used for fwww.eppicard.comto be patient and wait for the voice announcement Please enter your sixteen-digit card Then the voice announcement will state If you do not know rget my Debit Card Personal security questions that only
cardholder, your PIN
Just like a bank card, you can make purchases with your hand written signature or by entering yposted to the account.
The money is not actually stored on the card.It is stored on the card vendors highly-secured computers and cwww.eppicard.comu so that our systems Because your PIN is so critical to the security it.Be sure that nobody is looking over your shoulder when you enter your PIN.Even if you card beats cash.To name just two:
unless they also have your PIN.(We Maestro logo.All cash withdrawals and purchasesr than using check? ately.To cash a check, the recipient's east a few days, and often a few weeks, until
2 You can use your card anywhere that you see debit cards accepted here.
To make a cash withdraw at an ATM or bank teller window, www.eppicard.com and the Wachovia link or go directly to Wachovia.
To find a MasterCard www.eppicard.com and the MasterCard link or go directly to MasterCard.the fee charges before accepting a transaction.
an pay your bill electronically from a bank the bill, as long as there is enough money stored on the card.
14.Do I need a good credit record to use this card? No.Since you cannot spend or withdraw more money than you have added to the card, You cannot add money to your card.
The purposDeposit your benefits into your personal account.
is lost or stolen, it can be 461-4096 as soon as you discover your card is missing.
Will I still be able to return and get a re on returned merchandise then tturn merchandise, it is up to the merchant t card web site, www.eppicard.com.Yes.Your card can be used anywhere in the world to buy goods and withdraw cash from change rate will be used to convert the funds.
Please check the fee charges before accepting a transaction.Foreign banks and merchants usually send the card vendor withdrawals and purchase debits in their local currency.We will apply a co22.
Can I find out how much money is in mytrack of that myself? You have three options to learn your balance,it card Web site, www.eppicard.comyour balance and connectivity to check your card activity.charge.
The NC public library system provides Internet access to anyone living in NC.
To find a public library near you, search your telephone directory or go to this with my card in a single transaction?
debit card call 1-866-461-4096(TOLLFREE) or .
its call the NC Employment Security Commission at 1-888-737-0259 (TOLLFREE) or contact your local ESCTax Withholding / Direct Deposit 500TWC found in the Individual Services section on our web site, www.ncesc.comion and sign the form.will receive your next payment on an ESC call center at 1-866-461-4096.
Talk to a customer service representative and let them Write down the date, time and name of the customer You may be liable for unauthorized withdrawals within 60 days from the transaction date.
Be su(NOT originals) of
5 t card account.
This item , such as bank, ATM or merchants address m) is (inaccurate or incomplete) because sequence of events in filing this report here.) s or police reports) Your signature Enclosures: (list what you are enclosing) Tax Withholding / Direct Deposit 500TWC found in the Individual Services section on our web site, www.ncesc.comthe information requested on the form.
Mail the form to the
to your bank account.
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