The educatecard Visa® Prepaid Card*, (the "prepaid card"), is the quickest and easiest way for you to receive Refunds from your school. It's reloadable and can be used to access cash at ATMs or banks, or to make a wide variety of purchases. It is not a credit card, so you cannot spend more than what is in the card account, and no interest is charged on purchases.

• Why choose the prepaid card for a refund or for payments from your school?
  • Quick Access to Funds: While you still have the option of requesting ACH or a paper check for Refunds, the customized prepaid card provides quick access to funds as soon as they are released by your school. There are no delays related to ACH or check processing, no waiting for checks to arrive in the mail, and no need to wait in line at school or at the bank.
  • Flexibility: Use the prepaid card not only to get access to cash at ATMs nationwide, but also to make purchases anywhere a Visa debit card is accepted – for meals, books, retail shops, even for travel!
  • Reloadable: The prepaid card is reloadable, so a parent, guardian, family member or even a friend may load funds directly to the card. You may also have paychecks from employers deposited directly into your prepaid card account.
  • Bill Pay: Never miss a bill payment again! Use your prepaid card account to schedule automatic payments to various billers, from utility companies to your landlord - anyone you choose.
  • Card to Card Transfer: Share funds with other school classmates who also have the Caldwell College Visa® Prepaid Card. Simply go to your online options under Send or Request money!
  • Rewards: Earn rewards points when you use your card to make a qualifying purchase at over 8,000 national ScoreMore™ retailers. Redeem your points for gift cards, movie tickets, travel, and more. Login and go to Rewards to learn more about the ScoreMore™ Rewards program.
• What kind of school refunds can be loaded directly to your card?

  Examples can include:

  • Financial Aid awards
  • Scholarship awards
  • Dropped or cancelled courses
  • Credit balances after application of waivers or exemptions

  Federal law requires that tuition-related refunds be sent to the registered student.

• Do I have to have a pending refund to get a prepaid card?

  No. While the prepaid card is the quickest and most convenient way to receive school refunds or other payments from your school, any active student can request a card for accessing cash and making purchases. And once you have your card, any future refunds or disbursements can be loaded automatically.

• Can I access cash with the prepaid card?

  Yes. You can access cash by using a participating ATM or by visiting a local bank for over the counter cash withdrawals. The amount of accessible cash is limited to the funds available on the card. Other restrictions, such as ATM daily withdrawal maximums, may apply. Search for ATMs now:

  • Visa Plus ATM Locations: visa.com/atmlocator
  • Allpoint ATM Locations: allpointnetwork.com/fi/locator.aspx
• How are funds loaded to the prepaid card?

  Funds can be loaded to your card in a variety of ways.

  • Refunds and other payments from your school are sent directly to the prepaid card account once the option is selected and funds are released by your school.
  • Paychecks can be direct deposited into the prepaid card account as long as an employer offers a direct deposit option.
  • Funds can be loaded at any ReadyLink merchant.

  • How to reload with Visa® ReadyLink:

    1. Look for the Visa® ReadyLink symbol on the door, kiosk, or cash register at participating stores, or at any U.S. MoneyGram agent location.
    2. Get the receipt and go! You will have immediate access to funds upon approval by the card provider.

    ReadyLink Locations: usa.visa.com/locators/readylink-locations.jsp

• What kind of purchases can be made with the prepaid card?

  The prepaid card can be used at any retailer that accepts Visa® debit cards, at restaurants, on campus for books, meals, even for travel. Some restrictions may apply. For example, because it is not a credit card and is limited to available funds, using the prepaid card for gas may require paying a cashier directly.

• What types of fees are associated with the prepaid card?

  We believe the prepaid card is student friendly when it comes to fees. There are NO fees assessed for the following:

  • Point of sale signature or pin purchases
  • ATM withdrawal fees at the surcharge free ATM's listed above
  • Rewards Program
  • Card to Card Transfer
  • Linking existing bank accounts and sending money
  • Having a sponsor link and sending money to your card
  • Direct Deposits

  For the most current complete list of fees that may be assessed while using this card, please click on the Terms and Conditions link above.

• Is this a credit card?

  No. This is a Prepaid Card and it only allows the user to make purchases using funds that are currently available, so there is no risk of building debt and being charged related interest costs.

• Does the prepaid card expire?

  The prepaid card is good for four (4) years from the date it is issued.

*educatecard Visa® Prepaid Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc. and can be used wherever Visa® Debit cards are accepted. Terms and conditions apply. See Cardholder Agreement for details. Privacy Policy

The Caldwell College MasterCard® Prepaid Card*, (the "prepaid card"), is the quickest and easiest way for you to receive refunds from your school. It's reloadable and can be used to access cash at ATMs or banks, or to make a wide variety of purchases. It is not a credit card, so you cannot spend more than what is in the card account, and no interest is charged on purchases.

• Why choose the prepaid card for a refund or for payments from your school?
  • Immediate Access to Funds: While you still have the option of requesting ACH or a paper check for refunds, the customized prepaid card provides immediate access to funds as soon as they are released by your school. There are no delays related to ACH or check processing, no waiting for checks to arrive in the mail, and no need to wait in line at school or at the bank.
  • Flexibility: Use the prepaid card not only to get access to cash at ATMs nationwide, but also to make purchases anywhere a MasterCard® debit card is accepted – for meals, books, retail shops, even for travel!
  • Reloadable: The prepaid card is reloadable, so a parent, guardian, family member or even a friend may load funds directly to the card. You may also have paychecks from employers deposited directly into your card account.
  • Bill Pay: Never miss a bill payment again! Use your prepaid card account to schedule automatic payments to various billers, from utility companies to your landlord - anyone you choose.
  • Buddy Share: Share funds with other school classmates who also have the Caldwell College MasterCard Prepaid Card. Simply go to your online options section and list them as a Buddy!
  • Rewards: Earn rewards points when you use your card to make a qualifying purchase at over 8,000 national ScoreMore™ retailers. Redeem your points for gift cards, movie tickets, travel and more. Login and go to Rewards to learn more about the ScoreMore™ Rewards program.
• What kind of school refunds can be loaded directly to your card?

  Examples can include:

  • Financial Aid awards
  • Scholarship awards
  • Dropped or cancelled courses
  • Credit balances after application of waivers or exemptions

  Federal law requires that tuition-related refunds be sent to the registered student.

• Do I have to have a pending refund to get a prepaid card?

  No. While the prepaid card is the quickest and most convenient way to receive school refunds or other payments from your school, any active student can request a card for accessing cash and making purchases. And once you have your card, any future refunds or disbursements can be loaded automatically.

• Can I access cash with the prepaid card?

  Yes. You can access cash by using a participating ATM or by visiting a local bank for cash advances. The amount of accessible cash is limited to the funds available on the card. Other restrictions, such as ATM daily withdrawal maximums, may apply. Search for ATMs now:

  • MasterCard®, Maestro or Cirrus ATM: www.mastercard.us/cardholder-services/atm-locator.html
  • Allpoint ATM Locations: allpointnetwork.com/fi/locator.aspx
  • Surcharge free locations include SUM or MoneyPasss locations:
    • MoneyPass: www.moneypass.com/atm-locator.aspx
    • SUM: www.sum-atm.com

    

• How are funds loaded to the prepaid card?

  Funds can be loaded to your card in a variety of ways.

  • Refunds and other payments from your school are sent directly to the prepaid card account once the option is selected and funds are released by your school.
  • Paychecks can be direct deposited into the prepaid card account as long as an employer offers a direct deposit option.
  • Funds can be loaded at any MasterCard rePower® merchant.
  • How to reload with MasterCard rePower®:

    Visit a participating retailer with the cash you want to add. The retailer will support one of two reloading methods*:

    • The card swipe method
      • Your card is swiped and the desired amount is entered at the register.
    • The Green Dot MoneyPak method
      • Purchase the MoneyPak in the amount you want. Then follow the instructions on the MoneyPak to complete the load to your card.

    MasterCard rePower® Locations: www.mastercard.us/cardholder-services/repower-locator.html

• What kind of purchases can be made with the prepaid card?

  The prepaid card can be used at any retailer that accepts MasterCard® debit cards, at restaurants, on campus for books, meals, even for travel. Some restrictions may apply. For example, because it is not a credit card and is limited to available funds, using the prepaid card for gas may require paying a cashier directly.

• What types of fees are associated with the prepaid card?

  We believe the prepaid card is student friendly when it comes to fees. There are NO fees assessed for the following:

  • Monthly maintenance or minimum balances
  • Point of sale signature or pin purchases
  • ATM withdrawal fees at the surcharge free ATM's listed above
  • Rewards Program
  • Buddy Share
  • Linking existing bank accounts and sending money
  • Having a sponsor link and sending money to your card
  • Direct Deposits

  For the most current complete list of fees that may be assessed while using this card, please click on the Terms and Conditions link within the Payment Method Selection page when registering for your refund disbursement method.

• Is this a credit card?

  No. This is a Prepaid Card and it only allows the user to make purchases using funds that are currently available, so there is no risk of building debt and being charged related interest costs.

• Does the prepaid card expire?

  The prepaid card is good for four (4) years from the date it is issued.

*educatecard Discover® Prepaid Card is issued by Sutton Bank, Member FDIC. Terms and conditions apply. See cardholder agreement for details. Privacy Policy

The educatecard Discover® Prepaid Card*, (the "prepaid card"), is the quickest and easiest way for you to receive refunds from your school. It's reloadable and can be used to access cash at ATMs or banks, or to make a wide variety of purchases. It is not a credit card, so you cannot spend more than what is in the card account, and no interest is charged on purchases.

• Why choose the prepaid card for a refund or for payments from your school?
  • Quick Access to Funds: While you still have the option of requesting ACH or a paper check for refunds, the customized prepaid card provides quick access to funds as soon as they are released by your school. There are no delays related to ACH or check processing, no waiting for checks to arrive in the mail, and no need to wait in line at school or at the bank.
  • Flexibility: Use the prepaid card not only to get access to cash at ATMs nationwide, but also to make purchases anywhere a Discover® debit card is accepted – for meals, books, retail shops, even for travel!
  • Reloadable: The prepaid card is reloadable, so a parent, guardian, family member or even a friend may load funds directly to the card. You may also have paychecks from employers deposited directly into your prepaid card account.
  • Bill Pay: Never miss a bill payment again! Use your prepaid card account to schedule automatic payments to various billers, from utility companies to your landlord - anyone you choose.
  • Card to Card Transfer: Share funds with other school classmates who also have the Caldwell College Discover® Prepaid Card. Simply go to your online options under Send or Request money!
  • Rewards: Earn rewards points when you use your card to make a qualifying purchase at over 8,000 national ScoreMore™ retailers. Redeem your points for gift cards, movie tickets, travel, and more. Login and go to Rewards to learn more about the ScoreMore™ Rewards program.
• What kind of school refunds can be loaded directly to your card?

  Examples can include:

  • Financial Aid awards
  • Scholarship awards
  • Dropped or cancelled courses
  • Credit balances after application of waivers or exemptions

  Federal law requires that tuition-related refunds be sent to the registered student.

• Do I have to have a pending refund to get a prepaid card?

  No. While the prepaid card is the quickest and most convenient way to receive school refunds or other payments from your school, any active student can request a card for accessing cash and making purchases. And once you have your card, any future refunds or disbursements can be loaded automatically.

• Can I access cash with the prepaid card?

  Yes. You can access cash by using a participating ATM or by visiting a local bank for over the counter cash withdrawals. The amount of accessible cash is limited to the funds available on the card. Other restrictions, such as ATM daily withdrawal maximums, may apply. Search for ATMs now:

  • Discover ATM Locations: cashlocator.discovernetwork.com/discovernetwork
  • Allpoint ATM Locations: allpointnetwork.com/fi/locator.aspx
• How are funds loaded to the prepaid card?

  Funds can be loaded to your card in a variety of ways.

  • Refunds and other payments from your school are sent directly to the prepaid card account once the option is selected and funds are released by your school.
  • Paychecks can be direct deposited into the prepaid card account as long as an employer offers a direct deposit option.
  • Funds can be loaded at any Western Union® merchant.

  • How to reload with Western Union® Reload:

    1. Look for the Western Union® Reload symbol on the door, kiosk, or cash register at participating stores.
    2. Get the receipt and go! You will have immediate access to funds upon approval by the card provider.

    Western Union® Reload Locations: locations.westernunion.com (check the box for WU® Reload+ (Prepaid Services))

• What kind of purchases can be made with the prepaid card?

  The prepaid card can be used at any retailer that accepts Discover® debit cards, at restaurants, on campus for books, meals, even for travel. Some restrictions may apply. For example, because it is not a credit card and is limited to available funds, using the prepaid card for gas may require paying a cashier directly.

• What types of fees are associated with the prepaid card?

  We believe the prepaid card is student friendly when it comes to fees. There are NO fees assessed for the following:

  • Point of sale signature or pin purchases
  • ATM withdrawal fees at the surcharge free ATM's listed above
  • Rewards Program
  • Card to Card Transfer
  • Linking existing bank accounts and sending money
  • Having a sponsor link and sending money to your card
  • Direct Deposits

  For the most current complete list of fees that may be assessed while using this card, please click on the Terms and Conditions link above.

• Is this a credit card?

  No. This is a Prepaid Card and it only allows the user to make purchases using funds that are currently available, so there is no risk of building debt and being charged related interest costs.

• Does the prepaid card expire?

  The prepaid card is good for four (4) years from the date it is issued.

*educatecard Discover® Prepaid Card is issued by Sutton Bank, Member FDIC. Terms and conditions apply. See cardholder agreement for details. Privacy Policy

Why wait for a paper check to be processed, mailed, and cleared by your bank when school refunds can be sent directly to the checking or savings account of the registered student in 2-3 business days?

• Why choose ACH for a refund or for payments from your school?

  You can use your existing relationship with a bank simply by providing your account information quickly and conveniently online. ACH provides you with access to funds via your existing checking or savings account in 2-3 business days.

• What kind of school refunds can be deposited via ACH?

  Examples can include:

  • Financial Aid awards
  • Scholarship awards
  • Dropped or cancelled courses
  • Credit balances after application of waivers or exemptions

  Federal law requires that tuition-related refunds be sent to the registered student.

• How are funds transferred to an account via ACH?

  When selecting the ACH option for refunds, have your checking or savings account information available, including:

  • Bank Name
  • Account Number
  • Routing Number

  When funds are released by the school, they will then be processed for transfer from the school to the account number of the registered student. Access to these funds generally takes 2-3 business days. Access may vary depending on your bank's processes. Please check with your bank for more information.

You may choose to have refunds processed and mailed by paper check. Paper checks will be made payable to the registered student.

• Why choose a Paper Check for a refund or for payments from your school?

  Your school may have provided you with other choices, but you may simply prefer to have a paper check mailed to you in 7-10 business days.

• What kind of school refunds can be mailed via Paper Check?

  Examples can include:

  • Financial Aid awards
  • Scholarship awards
  • Dropped or cancelled courses
  • Credit balances after application of waivers or exemptions

  Federal law requires that tuition-related refunds be sent to the registered student.

• How long does it take for a paper check to be processed and mailed?

  The processing and mailing of paper checks for refunds or payments will vary by school, however you should expect to receive funds approximately 10 days after they are released by your school.*

  Once you receive the paper check, simply sign, cash, or deposit it.**

  *Time may vary based on your school's processing schedule, as well as other factors such as the mailing destination, inclement weather impacting delivery, and other delays unrelated to your school's process.

  **If the check is cashed at a bank other than one you have an account with, a processing fee may be charged.