What is the UPside service and the UPside prepaid card?
UPside is a money management service that comes with an UPside Visa Prepaid Card and an online virtual check book. You can receive funds through direct deposit or cash loads at more than 50,000 retailers nationwide. Because it's prepaid, your spending is limited to the amount of money received on the account. All purchases and payments that you make with your UPside card are decremented from your available balance in real time. And, unlike most other prepaid cards, you will earn reward points redeemable for cash back for all your online purchases made at leading US retailers through our shopping mall.
The UPside prepaid card account has lower fees than other spending cards available. And the majority of these fees can be avoided by managing your card correctly - checking your balance online, loading funds from an employer or from a checking account, making sure you always have suitable funds on your prepaid card account. Please see the Terms and Conditions for more information on our low fees.
Why would I sign up for UPside instead of a traditional checking account or credit card?
Unlike other banking products, UPside is a great real-time budgeting tool for your spending, as you can only spend the funds available on the prepaid card account - meaning that you will not go into debt like many do with credit cards or "overdraft protection" plans that most retail banks offer. And, with UPside, you do not pay for incoming loads, unlike with most retail banks. Anyone can register, even with poor or no credit. UPside is the most powerful and effective means to help you develop responsible spending behaviors, while still having the freedom to shop everywhere Visa debit cards are accepted.
The UPside service and UPside prepaid card are operated by Plastyc Inc, based in New York, NY. The UPside Visa Prepaid Card is issued by Metabank in Sioux Falls, SD.
I have not received emails from UPside?
If you did not receive emails from UPside within 10 minutes please check your spam filter and add uspide.visa@upsidecard.com to your trusted senders or safe list. In some cases html content is marked as spam by some email providers. Be sure to check your spam folder.
If you are over 18, you can register for the UPside prepaid card. There is no fee involved or money needed to register, but you will need a Social Security Number for verification of your date of birth. To begin registration, click here.
Whose name is embossed on the card?
The name of the cardholder is embossed on the card.
The card is sent to the billing address provided at enrollment. If a debit/credit card is used to fund the prepaid account, for security purposes, we always ship the UPside card to the billing address of that same credit card. Please note that we cannot ship to PO Boxes.
How long does it take to receive my UPside card once I've registered?
Once enrollment is completed you should receive your card within 7-10 business days. Please note that the card comes in a plain white envelope with UPside in the top left corner.
I received my card. How do I activate it?
You can activate your card from your online card account or by calling our customer service number at 866-845-6273. You will need your Customer Service Access Code (CSAC) or last four digits of your SSN. Remember, if you activate online you will receive 500 cash back points!*
*Online activation must occur within 60 days of enrollment to receive cash back points.
I have not received my card in the specified time. What do I do?
If you registered with UPside more than 10 business days ago and you have not yet received your card, please call customer service at 866-845-6273 or email us at cs@upsidecard.com.
Where can I use the UPside card?
You can use your UPside Visa Prepaid Card anywhere Visa debit cards are accepted, both online and in physical stores. You may also withdraw cash at ATM terminals with the Visa or Interlink logo (not available on the Clear plan).
Who can use the UPside card?
Only the cardholder whose name is on the card may use the card.
Can someone else use my UPside card?
Absolutely not. Keep your UPside card, including the card account number, under your control at all times. And do not tell anyone your PIN, not even your best friend.
How do I use the UPside card in a store?
When swiping the card at a retail store terminal, choose either "credit" or "debit". If you choose credit you can simply sign the receipt - if you chose debit you just need to enter your PIN number (which you get by calling customer service and can change after activating and registering your card.) Please note, not all merchants accept PIN transactions. If that is the case, just select credit and simply sign the receipt.
How do I use the UPside card online?
You can use your UPside Visa Prepaid Card online anywhere Visa debit cards are accepted. When checking out, enter your billing information as asked. The billing address is the address you provided at registration. If you would like the merchandise shipped to another address, enter shipping information accordingly.
Can I use the card to withdraw cash?
Yes. You may withdraw cash from any ATM where you see the Visa debit or Interlink logo, using your card and PIN (personal identification number). Insert your card into the machine, enter your PIN, and press the cash withdrawal option. You will then be prompted to choose an account from which you want to withdraw funds; select credit card cash advance, enter the amount, and receive your cash. You can withdraw up to $400 for a single withdrawal and up to $500 in a 24-hour period.
You can also withdraw cash at the POS register for free (cash back) up to $60/transaction and up to 15 cash back transactions/month. Please note that your transaction must be equal to or greater than the amount you are requesting for cash back.
Please note ATM and POS cash back withdrawal is not available in all countries. For a list of these countries, contact us at cs@upsidecard.com.
Will I be charged for transactions at specific merchants?
No. There are no fees attached to spending money on your UPside Visa Prepaid Card.
Can I track my transactions for any period?
Yes. For cardholders, we have automatically provided transaction logs for the last 30 days and 60 days, available on the transaction section of your online card account. If you would like to see transactions for another period, click the Statement tab and follow the directions.
How can I find my balance?
You are able to check your balance in four ways: - Online by logging onto your online card account
- By calling customer service at 1-866-845-6273
- By using your cell phone's internet browser and logging into your prepaid account at m.upsidecard.com (cardholders only)
- From your Facebook UPside Application (cardholders only)
Can I make a purchase larger than my balance?
No. You cannot access more than the available balance on your UPside card. However, if you know your available balance before you make a purchase, you may ask the merchant if you can pay the balance of your purchase with cash or another form of payment.
Are there purchase limits to the card?
You can make purchases up to $1000 per transaction (or up to the card balance if there is less than $1000 on your card), and up to twelve transactions in a 24-hour period.
How do I return a purchase?
We advise that you keep all of your receipts until your transactions are posted on your online card account. Should you need to return an item, return the purchased item to the merchant with the receipt. The merchant will process a credit back to your prepaid card account for the value of the returned item. The credit should appear on your online card statement usually within a week of the return.
How do I dispute a transaction?
In order to dispute a transaction, please call customer service at 866-845-6273 and speak to a live agent. You will need the transaction date and amount. They will provide you via email with a dispute form to fill out.
What are my rights if I dispute a charge?
Federal law may limit your liability for unauthorized use, but it may not provide for no liability. Under the Visa Zero Liability Policy, you may incur no liability for unauthorized use of your card provided you notify us within a reasonable time of the loss or theft of your card or its unauthorized use. Please refer to the Cardholder Agreements Terms & Conditions for additional information pertaining to your rights concerning unauthorized use of your card.
Why does the amount of the transaction on my card account not match the amount I was expecting it to be?
For financial transactions at certain types of merchants, such as restaurants, gas stations, hotels, and mail order retailers, there is an authorization amount and a settled amount and these amounts are usually different. This occurs when the actual amount of your purchase is not immediately available; for example, you may add a tip to the restaurant bill, you may pump gas yourself at an automated pump, you may decide to extend your stay in a hotel room or the use of a rental car.
For example, this will occur when you use your UPside Visa Prepaid Card at a restaurant. The transaction is authorized for an amount greater than the actual amount because the restaurant does not know yet if you are going to add a tip to your bill after it is run through the system. Therefore, if the actual amount of your restaurant bill is $15, the restaurant may actually authorize it for $20. $20 is the authorization amount that will initially be deducted from your UPside card account. If you add a 15% tip to your bill ($2.25), the actual amount of your bill will be $17.25. When the merchant sends through the actual bill, the settled amount will be $17.25 and the difference between the authorization amount ($20) and the settled amount ($17.25) will be added to your available balance. If the settled amount is greater than the authorization amount, then the difference will be deducted from your available balance. Depending on the merchant, the adjustment could take a few days.
If a merchant does not send in a settled amount within a specified number of days (specified by the Issuer), the authorized amount of the transaction (in the example above this would be $20) will be added to your available balance. See next question for more information.
Will merchants hold funds greater than the purchase?
As mentioned above you need to remember that some merchants hold a reserve of more money than what you may actually mean to spend. If this does occur with your UPside prepaid card the system may hold this reserve amount up to 4 business days. In some instances a hold could take up to 15 days to fall off. If this happens, please contact merchant to verify that they are OK to release the hold on your card and ask them to send us a fax at 718-228-8178 with a written statement (including card number, amount, date, and transaction reference number) that they renounce the hold and that we can remove it sooner than the hold period.
Can I use the card internationally?
Yes. The UPside Visa Prepaid Card is accepted at most merchants worldwide accepting Visa Debit. Please note that the UPside card may not be able to be used in all countries. For a list of excluded countries, please contact us at cs@upsidecard.com.
What is my Customer Service Access Code (CSAC)?
Your Customer Service Access Code (CSAC) is a four-digit number that is used to identify you when you contact customer service. Cardholders' CSAC is the last four digits of your Social Security Number.
How do I get my Personal Identification Number (PIN)?
Your PIN will be selected automatically for you when you register online. You will get your PIN information when you activate your card. You are, however, able to change your PIN at any time (see below).
Yes. You may change your PIN by calling Customer Service at 1-866-845-6273. You may change your PIN once at no cost. Any subsequent changes of your PIN will be charged a fee.
What should I do if I've forgotten my PIN?
Please call customer service at 866-845-6273 and follow the automated prompts to "To hear or change your PIN."
What do I do if the card is lost or stolen?
Please call customer service immediately at 866-845-6273 to mark your card lost/stolen and have a new card shipped.
Can I suspend the card and reactivate it later?
Yes. You can suspend your card at any time online or by calling customer service. Please contact customer service to unsuspend your card.
How do I close my card account?
We recommend that you remove all of the funds remaining on the prepaid card account by making an ATM withdrawal or purchase goods or services in a merchant transaction so you do not incur any of the account closure or check issuance fees. If you would like to close your account immediately with funds remaining, you may request a check by contacting customer service, in which case a $12 check issuance fee and account closure fee may be applied.
How can I receive funds to my UPside card account?
You can receive funds from your employer or benefits provider through free Direct Deposit or you can load cash by purchasing a Green Dot MoneyPak located at one of 50,000 retailers nationwide. Friends or family can also use your Direct Deposit information to load funds to your card account from their own bank account. Eligible cardholders can also load funds directly from a credit/debit card (funding card must match your UPside card billing address) after you have had your card activated for three or more months and have received at least $1000 via Direct Deposit. Click here for more information on how to load funds.
Please note that if loading funds from a bank account that the funds must be an ACH source, not a wire transfer (request this with your funding bank).
Can I get a direct deposit number and routing number to give to an employer or benefits provider?
You are able to get Direct Deposit information by logging into your online card account and clicking on the Direct Deposit tab in the funding window. You will need to print this information and give it to your employer. This information may also be used for other family members or friends that would like to load funds to the prepaid card account, perfect for birthdays and special occasions.
How long does it take until the funds appear on the balance provided by UPside?
Funds originating from a credit or debit card appear immediately upon loading. Loads from ACH/bank load can take up to 5 days. If the funding source does not have enough money, the load will be denied.
What do I do if I've loaded funds and they have not appeared on my balance yet?
If it has been over 5 business days for an ACH/DDA bank load to appear on your prepaid card account balance, contact the funder/funding bank and make sure they have used your correct direct deposit information and that the funds have been transferred. If yes, please contact customer service cs@upsidecard.com.
Pricing and value load limits.
Where do I purchase a MoneyPak?
MoneyPaks are available at over 50,000 merchants nationwide, including WalMart, CVS, Walgreens, 7-11, and more. For a list of merchants near you, click here.
Are there any fees attached to buying or redeeming a MoneyPak?
UPside does not charge you for purchasing or redeeming a MoneyPak. The merchant will charge $4.95 at the time of purchase.
How to I redeem a MoneyPak?
You can redeem a MoneyPak directly from your online card account after you have logged in. Enter your MoneyPak PIN in the Cash tab of the funding window. You may also enter your MoneyPak PIN on your UPside mobile website at m.upsidecard.com
If you have loaded cash through the MoneyPak network directly from the cashier at 7-Eleven, your funds will load within 10 minutes. You do not have to redeem anything on our website.
If you go to a 7-Eleven store, you have the option of either buying a MoneyPak or doing a "swipe load" without buying a MoneyPak to load cash. For a swipe load, simply take your UPside card and cash to the register and tell the cashier that you like to make a Green Dot Swipe Load. The cashier will swipe your card and add your cash directly to your UPside card. A service fee of $4.95 will be charged.
Are there any limits to how many MoneyPaks I redeem or how much I load?
Pending cardholders can redeem one MoneyPak before activating the card. Active cardholders can redeem the following (up to the maximum balance and load limits): - $1000/24 hours (4x)
- $3000/week (7x)
- $5000/30 days (20x)
My MoneyPak does not load onto my UPside card.
Some merchants request that you wait for up to one hour before redeeming your MoneyPak. If you have loaded cash through the MoneyPak network directly from the cashier at 7-Eleven, your funds will load within 4 hours.
If it has been longer than one hour, please contact GreenDot directly at www.moneypak.com.
My funding source details have changed, what do I do?
You are not able to change your credit/debit funding card information, except for the expiration date and CVV2 when you receive a new card. You can do so from your online card account.
If your employer or benefits provider has changed, you will need to provide them with your direct deposit information located on your online card account.
What is the the Rainy Day Reserve?
The Rainy Day Reserve allows you to set aside money for emergencies or future purchases, and is absolutely free. It is an integral part of your card account and benefits from the same FDIC insurance. You can control your savings in the "Save Now" window of your online card account.
How do I deposit funds into my Rainy Day Reserve?
To deposit money to the Reserve, enter an amount that you can afford (up to the card account balance) in the amount field on the "Save Now" window. Click on the "Save More Now" button. The funds that you save are taken out of the main card account balance and moved to the Reserve. Once in, the Reserve money cannot be spent by using your card at a merchant or ATM, or requesting an online check.
Can I set up automatic funding to my Rainy Day Reserve?
Yes. Go to the "Goals and Settings" tab on your online card account and enter in the amount you would like to reach, how much and how often you would like to save in order to reach your goal. Once you have reached your goal, the automatic funding plan will stop. You can create another funding plan at any time.
How can I withdraw money from my Rainy Day Reserve?
You can withdraw money from the Reserve by entering the desired amount and clicking on the Submit button in the "Withdraw" tab. Money withdrawn from the Reserve is moved back to the main card account balance, where it can be spent by using your card at a merchant or ATM, or requesting online checks.
Can I spend money that I have in my Rainy Day Reserve?
To spend money set aside in the Reserve, you need to withdraw it from the Reserve by entering the desired amount and clicking on the Submit button in the “Withdraw” tab. Money withdrawn from the Reserve is moved back to the main card account balance, where it can be spent by using your card at a merchant or ATM, or requesting online checks.
Is there any limit to how many deposits or withdrawals I do with my Rainy Day Reserve?
You can deposit money to the Reserve or withdraw money from the Reserve as frequently as needed.
What happens if I don't have enough money in my main card account balance to cover my usual monthly fee?
If your main card account balance has become insufficient to pay the monthly maintenance fee for your account, the missing amount will be automatically withdrawn from the Reserve to cover the fee.
I was not able to withdraw funds from an ATM though my balance shows I have enough.
The balance shown at the ATM includes the Rainy Day Reserve amount, as well as the main card account balance. In order to withdraw funds, you will need to find your main card account balance, either by logging into your card account online or cell phone browser. You can then withdraw funds up to that amount.
What is SaveUp and how is it affiliated with UPside?
SaveUp is a free program where you get rewarded for saving, not spending. It is an independent partner company working with UPside to give you even more for being an UPside cardholder. To start earning rewards, register at http://www.saveup.com/UPsideVisa and link your UPside card account.
If I have a question about the SaveUp reward program, who do I call?
If you have any questions about SaveUP, please contact SaveUp's customer service at support@saveup.com or call their toll-free number at 1-855-GO SAVEUP (855-467-2838).
How can I participate in the SaveUp program?
Go to http://www.saveup.com/UPsideVisa where you'll be greeted as an UPside Visa cardholder. Follow this simple 5-minute process to start earning rewards.
- Step One: Create a free SaveUp log-in and password
- Step Two: Register your UPside Card account on the site
- Step Three: Start earning credits and playing for great rewards.
Can I connect my Rainy Day Reserve and card account to SaveUp to start earning credits?
Yes, you can connect both your Rainy Day Reserve and card account to earn credits on SaveUp and start playing for great rewards.
Is my information secure?
SaveUp uses bank level security and has a READ ONLY connection to your account information. SaveUp does not have your account number and does not store your credentials. SaveUp can only read your deposits and payments and only uses this information to award credits.
How many SaveUp credits do I earn when I deposit money in my Rainy Day Reserve or card account balance?
Every dollar you save into your Rainy Day Reserve and card account balance earns you SaveUp credits.
- Rainy Day Reserve: $1 deposit = 1 credit, credits issued daily
- Prepaid Account: $1 monthly average balance increase = 1 credit, credits issued monthly
Credits rules are updated regularly and may change. Please read the "Credits" section under the "Accounts" tab of the SaveUp website to find out how many credits you can earn. You can also learn more at www.saveup.com/about/credits.
What rewards can I win through SaveUp?
Prizes change often, but include cash, gift cards, electronics, small appliances, vacations, cars, loan payments and a $2,000,000 jackpot. To see what prizes are currently available, please go to the SaveUp website at http://www.saveup.com/UPsideVisa.
I have a question about my SaveUp account, balance, rewards or other.
Please contact SaveUp directly with any inquiries you may have at:
Email: support@saveup.com
Toll-Free Number: 1-855-GO SAVEUP (855-467-2838)
How do I sign up for a companion card?
From your online dashboard select "Enroll for a second card." Please note that your primary card must be received and activated. The companion card address must be the same as the primary card address.
Who can get a companion card?
You can get a companion card for anyone 18 or older. Or you can get a second card for yourself.
What costs or fees are involved with a companion card?
There is a $1.99 monthly fee for a companion card. This fee is waived if $1000 or more was loaded onto the account in the previous calendar month. All other usage fees apply (to see a full list of fees, click here).
Does the companion cardholder have his/her own online dashboard?
No. The companion card transactions and details are provided on the primary card's online account but show the first name of the cardholder who made the transaction. There is no separate login.
How do I load the companion card?
The primary and companion card have the same funded account, so all funds are available on both cards. Loading the secondary card is the same as loading the primary card. For details on how to load funds, click here.
The secondary cardholder would like to load his/her paycheck onto the card. How does he/she do that?
The Direct Deposit details are the same for both cards. He/She will need to get the Direct Deposit details on the online account by selecting "View My Direct Deposit Details" and give them to his/her employer.
Does the companion card have its own PIN?
Yes. Both cards have separate PINs. You will receive your PIN when you activate your card.
How do I close the companion card?
You can close the companion card either from your online account by selecting "Activate & Manage My Cards", or by emailing or calling customer service.
I closed the companion card and now I want to open another one. How do I do that?
You will need to wait 30 days after closing the first companion card for the enrollment link reappears for a new companion card. Once this link appears on your online account again, you can enroll for a new companion card.
Can I close the primary card and still leave the companion card open?
No, you cannot close the primary card. If you close the primary card, the companion card will no longer be available.
How do I request a check to be sent?
The online check writing service is available to anyone 18 or older (not available for Clear members). To request a check, log into your online card account and select the "Write a Check" button. You will need the following information for the Payee (receiver): - Name (or Company Name)
- Address
- Amount of Payment
Once submitted, the amount of the check will be debited from your prepaid card account (either immediately or 24 hrs before your requested date of issuance) and a check will be created in your name and sent automatically on your behalf, you don't need to do anything further.
When do I need to request a check to be sent immediately?
You will need to request a check by 12pm EST in order for the check to be sent within 24 hours.
Can I request a check for a later date?
Yes, you can request a check to be sent for a later date. Please note that the funds will not be removed from your card account until 24 hours before the date the check is sent. If there are not enough funds available, your check will be declined and not sent.
Can I stop a check I previously requested?
Yes, you can stop any check that has not been cashed by the payee (receiver) by logging into your online card account and clicking the Stop Check icon next to the check you would like to stop. If the check shows "Sent" on your dashboard, you will need to contact customer service at cs@upsidecard.com .com to have the money refunded.
Do I need to sign the check?
No, the check will be written and issued by Plastyc Inc. on your behalf. Like a cashier's check, it is not signed by you but by a person with signature authority on the MetaBank account.
What happens if the check cannot be delivered?
If the check cannot be delivered to the address provided, the amount of the check will be refunded to your prepaid card account balance within 20 to 180 days after the check was returned back to the originating address.
What fees are involved to send a check?
See fee list below:
| Issuance fee | Decline Fee | Stop Check Fee |
|---|
| $2.00 per check issued. | $2.00 per decline due to insufficient funds* |
No charge if the issuance is cancelled 24h before the check is issued.
$25.00 after the check is issued.
|
What is the cell phone direct prepaid purchase service?
This service is available to cardholders who are 18 or older. With the cell phone direct prepaid purchase service you are able to pay in US dollars for a prepaid cellphone service without having to purchase buckets of minutes from a phone store. The prepaid cell phone can be yours or a third party's such as family and friends abroad. You just need to provide the prepaid cell phone number you wish to purchase service for and select the amount you are willing to devote to the purchase in US dollars. The cell phone account can be yours or a friend's as long as: - It's a prepaid cell phone, i.e. not a postpaid phone where the phone operator sends a bill to be paid at the end of a usage period.
- It's a phone with one of the participating carriers.
How much does the cell phone direct purchase service cost?
The cell phone service is free for all UPside cardholders, meaning that we do not take a fee out of the amount of US dollars you send for the cell phone service. We do not buy bulks of minutes and mark them up: we simply transfer your payment in US dollars. Click here for a full Terms & Conditions.
In which countries can I do a direct prepaid cell phone service purchase?
You can do a direct purchase of to prepaid cell phone service in the following countries: | Bangladesh | Dominican Republic | Jordan | Nepal | Senegal | | Brazil | Egypt | Kazakhstan | Pakistan | Sri Lanka | | Cameroon | Fiji | Laos | Peru | Turkey | | China | Haiti | Malaysia | Philippines | USA | | Colombia | India | Mali | Poland | Venezuela | | Cuba | Indonesia | Mexico | Russia | Vietnam |
How do I make a direct prepaid cell phone service purchase?
You make a service purchase directly from the Cell Phone Service window on your UPside online card account. You will need the prepaid cell phone number, and the amount in US dollars that you intend to devote to the purchase (not more than your UPside card account balance). When logged in, just provide the prepaid cell phone number you wish to purchase service for and select the purchase amount in US dollars. The cell phone account can be yours or a friend's as long as: - It's a prepaid cell phone, i.e. not a postpaid phone where the phone operator sends a bill to be paid at the end of a usage period.
- It's a phone an account with one of participating carriers.
How long does it take for a direct prepaid cell phone service purchase to be effective?
The purchase of service is done in real-time and should not take longer than a few seconds to be effective on the recipient's prepaid phone.
How will the recipient know I've made a cell phone service purchase?
The owner of the cellphone will receive a text message informing him/her of the purchase. You can also use the message field to send a free short message to the recipient.
eBillme is available to any cardholder who is 18 or older and in good standing for 3 months and has loaded $1000 or more. The eBillme window will appear on your online card account automatically at that time.
eBillme is a third-party service provider that allows cardholders to receive payments from almost any bank account. You can use this service to get funds from family members, friends or even customers.
Many traditional banks don't allow online money transfers to an individual's bank account; most BillPay services allow transfers only to utility companies, insurance companies, etc. If you need to receive money from family members, friends, or customers, eBillme is a simple way to receive that money without the sender of the funds having to go to their local bank branch and wait in those tiresome lines.
You send a request to the funder directly from your UPside online card account. The sender of the funds will receive an email that is unique to your request with a clickable link to eBillme. Once on the eBillme website, the sender of funds will enter their information to receive bank transfer information for eBillme. They will then go to their banking website and use that bank's BillPay service, just like paying a utility bill. Once the payment clears, you will receive your funds.
Can a funder send money without a request being made?
No. Though technically they can initiate a debit from their bank account, the credit will not go through to the card and will be refunded back to the funding account.
How long does it take to receive funds?
Funds usually take 1-3 days to clear after the funder has requested the debit from their bank account. But, funds can take up to 5 days to clear if the bank requires a physical check to be sent instead of ACH transfer.
If you have not received your funds, please speak with the funder to make sure they have debited the funds from their bank account. If they have, advise the funder to contact eBillme directly at 1-888-899-6633 or go to their live chat.
Does my funds request ever expire?
Yes, if the funder has not completed the request within 14 days, the request will expired. You can send another request at that time.
Did not find your answer?
If you do not find your answer, please contact eBillme's customer service directly at 1-888-899-6633 or go to their live chat.
Are there spending controls associated with the service?
UPside includes an alert service when the balance reaches a preset threshold or is zero ($0). Further alerts are coming soon, including weekly spending thresholds and single purchase limits. As well, you are only able to spend the amount of money loaded on the prepaid card account.
How does the UPside card teach financial responsibility?
With immediate access to online card statements, you can review spending along and develop and maintain financial responsibility in spending decisions, using our educational tools provided.
If I use my cell phone to check the balance of my card on a regular basis, is there a risk that someone would finds or steals my cell phone would be able to access and use my card?
No. Even if your cell phone falls in the wrong hands after you have stored and bookmarked in your phone the URL to access your card account, the phone will only enable someone to reach the login page, where the password is requested to go any further. Your password is never stored by the phone. Even if someone could guess your password, they would only be able to know how much money is left in the card, but would not be able to spend any of that money, since the phone access does not include money transfer or payment options.
The UPside Mall is an online shopping mall which features stores and products that may be of interest to both UPside accountholders and non-accountholders. The stores accessible through the UPside Mall, by clicking on one of the hyperlinks featured on the website are run by independent merchants. You must link to the merchant through the UPside Mall in order to be recognized as an UPside cardholder. The UPside Mall is accessible publicly to anyone, and everyone can earn points when you successfully complete an online purchase. The UPside Mall itself does not sell any product or services.
You can find the UPside Mall by clicking here. This optional offer is not a MetaBank product or service nor does MetaBank endorse this offer.
What is the cash back points rewards program?
The cash back points rewards program is a one-of-a-kind rewards program available to all UPside cardholders or UPside Mall accountholders. Points awarded can be converted into cash added to the balance of the card when they reach certain thresholds. Points are awarded in various ways: - Up to 15 points-per-dollar-spent at any of the hundreds of UPside Mall merchants. The purchase does not have to be made with an UPside card
- 500 points for first-time online activation
- 3 points/dollar of airtime loaded with the prepaid cell phone service purchase
- 1 point for every $4 spent for POS signature-based transactions (Premium members only)
How can I view my cash back points balance?
Your points balance is available on the History tab of the Cash Back 101 window of your online card account.
How can I earn cash back points by using the UPside Mall?
In order to earn points by shopping through the UPside Mall, you need to: - Be an UPside Mall account owner or UPside cardholder with a prepaid card account in good standing.
- Log into the UPside Mall website at www.upsidemall.com
- Follow one of the hyperlinks on the UPside Mall website leading to a merchant website, or to a product category of a merchant website or a particular individual product on a merchant website. Please note that you need to link to the merchant through the UPside Mall (not just use your UPside card) in order to receive points. If you leave the merchant website before you complete your transaction, you will need to go back to the UPside Mall and link to the merchant again, do not click "back" on your browser.
- Complete the online purchase of an item of your choice from that merchant, using your UPside card, or any other accepted payment card, as a payment means. Note that the item you purchase does not necessarily need to be the exact item that was displayed on the UPside Mall website if you reached the merchant by clicking on a particular product picture or text link.
Please note that points earned from mall purchases may not appear for up to 2 weeks after your purchase. This optional offer is not a MetaBank product or service nor does MetaBank endorse this offer.
How many points are earned per dollar spent at the UPside Mall?
The points that you earn depend on the merchant that you have made your purchase at. You will receive between 1 and 15 points per dollar spent, which are worth between 1 and 15% cash back. For a list of how many points you receive, please go to the UPside Mall. This optional offer is not a MetaBank product or service nor does MetaBank endorse this offer.
Do I need an UPside card to earn cash back points at the UPside Mall?
No you do not need an UPside card to earn points at the UPside Mall. You just need to create a simple online account on the mall so that we can track you each time you make a purchase. However, when you want to redeem your points you will need to register for an UPside card so we can credit your prepaid card account with cash back. To register for an UPside card, click here.
Can I use another payment card to pay for purchases made at the mall?
Yes you can use any payment card accepted by the participating merchant can be used. As long as the shopper has logged-in to the mall before visiting the merchant, points will be received.
Can I use cash back points to purchase goods or services form UPside Mall merchants?
No, cash back points are not an accepted form of currency for Mall merchants. Instead, you can redeem your points for cash onto your card balance, and then use the resulting dollars to make purchases with your UPside Card at any merchant, whether they are listed in the UPside Mall or not.
Which merchants participate to the UPside mall?
More than 200 merchants are part of the UPside Mall. Please click here for a full list. This optional offer is not a MetaBank product or service nor does MetaBank endorse this offer.
How do I redeem cash back points?
In order to redeem cash back points, you will need to have an UPside card. You need at least 2000 points to receive cash back. Cash back points are redeemable for cash back rewards of $20 or $50 (4500 points) onto your UPside card. Please note that you can only complete two redemptions in 24 hours. Cash back points are valid for redemption for 2 years.
My cash back points balance is not what I think it should be. What do I do?
UPside Mall purchases can take up to two weeks to appear on your account (please note some merchants may take longer). Retain any documentation you can (receipts, order confirmations, etc) and contact UPside Customer Service at cs@upsidecard.com. Remember, cash back points are valid for redemption for 2 years. Please note that you need to link to the merchant through the UPside Mall (not just use your UPside card) in order to receive points. If you leave the merchant website before you complete your transaction, you will need to go back to the UPside Mall and link to the merchant again, do not click "back" on your browser.
What is the UPside Premium Service?
The UPside Premium Service is our elite cardholder plan for cardholders who have 15,000 or more qualifying UPgrade points. You do not need to sign-up for Premium Membership, you receive it automatically when you have earned the requisite UPgrade points. With your Premium Membership you will enjoy the following benefits: - Monthly fee is waived (reg. $4.95)
- One free online check per month
- Free customer service phone inquiries
- 1 cash back point for every $4 spent (signature-based purchases only)
- Special invites to friends for a four-month trial of the Premium Service
How do I earn Premium status?
You need 15,000 UPgrade points to become a Premium Member. You can earn UPgrade points by loading your UPside card. See the UPgrade points summary below: - Direct Deposit = 2000 UPgrade points per load (over $200) + 1 UPgrade point per $1
- MoneyPak = 1 UPgrade point per $1
- Credit/Debit Card = 1 UPgrade points per $1
How long do I keep my Premium status?
You are a Premium Member for the remainder of the calendar year plus the following calendar year. For example, if you became a Premium Member in August 2011, you will remain a Premium Member for the rest of 2011 as well as 2012. You will start earning UPgrade points again beginning on January 1 of your second year in Premium status (i.e. January 1, 2012). If you earn enough points in your second year you will remain Premium through 2013. If you do not earn enough UPgrade points in your second year, you will return to Classic status in January of the following year.
How do I invite friends to get an UPside card with Premium status?
Inviting friends is easy. Simply email them from your online card account from the "Invite Friends" window. Your friend will receive a unique enrollment code that they can enter either on the www.upsidecard.com splash page or from the invite link received in the email. Once your friend has enrolled for an UPside card, their four-month trial period begins. You will receive $20 once your friend has loaded $200 or more. Friends will need to accrue 15,000 UPgrade points to keep Premium status after the four-month trial is over.
How do I access my online prepaid account?
In order to access your UPside online account, you must enter your username and password on the login window. If you have forgotten you username or password, click the link provided on that window.
Cardholders log into here.
Why is my mobile phone UPside card account is not verified?
Be reassured that our mobile site is completely secure and uses the latest encryption software. What you are experiencing is a problem with the Internet browser in your cell phone having an incomplete or out of date list of Trusted Authorities, preventing it to recognize our "certificate" which is the digital seal that authenticates our site.
How can I change my billing address?
If it is less than 90 days since you activated your card, you will not be able to change your billing address. After 90 days, please contact customer service at cs@upsidecard.com.
You are still able to use your card for things such as online purchases by using your old address for the billing address and your new address for the shipping address.
How do I change my username/password?
For cardholders, you are only able to change your username and password from the UPside website. Click the "Update My Profile" link and enter your new information.
Why can't I use the username/password I want?
Your username must be 6-16 characters long and include letters and numbers. It must not include symbols or punctuation. By default your username will be populated from your email address - max 40 characters, the following symbols are supported .-_@. If it is, someone else already has your username, please choose another.
Your password must be 6-16 characters long and include letters and numbers. It must not include symbols or punctuation. If it is, someone else already has your username, please choose another.
How do I change my personal information?
You can change your information by clicking on the "Edit Profile" button from your online card account.
I would like to invite a friend to join UPside. How do I do it?
Inviting friends is easy. Enter your friend's name and email in the Invite Friends tab on of your online card account and hit submit. Remember, you are able to invite as many friends as you like.
Premium members receive $20 when their friend loads $200. Premium invitees receive a free four month Premium trial membership.
Classic cardholders receive $20 and their friend receives $10 when the friend loads $200.
How can I tell if my friend that I invited joined UPside?
You are able to see which of your friends have joined or not by checking the "Pending Invites" section of your UPside online card account. If your friend has joined and activated his/her card, the status will state "activated"; if not, it will state "pending".
How safe is my confidential information? Is it secure online?
Please refer to the UPside Privacy and Security policy available through this website. We provide protection to our online card members by taking several security measures to create a safe and reliable experience. - We keep your information on secure servers in our data center. These computers are not directly connected to or accessible by the Internet.
- We establish a secure session with your computer before asking you to send confidential information over the Internet to the UPside website.
- You must enter your username and password to gain access to our site. To protect your card account information, we use firewalls that limit access to visitors who provide a valid username and password combination.
- We encode or scramble data using 128-bit key Secure Socket Layer encryption before exchanging it between a cardholder and our database.
I would like to report misuse of the website (security, phishing, identity theft)?
UPside will never ask you for your prepaid card account information, password or username in any email sent to you or pop-up windows while you are not on the secured UPside website or cell phone WAP site. To report misuse, please contact your local authorities, then contact us.
How do I contact customer service?
For information or comments about UPside or UPside card please contact our customer service from your online card account under the Email Us tab. For issues regarding cash back points, UPgrade points, login information, enrollment codes, check writing service, prepaid cell phone service purchase, or Customer Service Access Code please use our email contact only:
cs@upsidecard.com
Or
1-866-845-6273 - Please dial carefully
Or
UPside Prepaid Cards
PO Box 550160
Ft. Lauderdale, Fl 33355-0160
For problems with the website please contact us our webmaster at:
webadministrator@upsidecard.com
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For investor contact information, please click here.
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