Frequently asked questions

+ Is this a credit Card?

No. It's a Visa Prepaid Debit Card. You control how much you spend by how much you load on the card.

+ Where can I use my MOMENTUM Visa Prepaid Debit Card?

You can use your Card everywhere Visa debit cards are accepted. You can use your Card to sign for purchases, or you can use your Card for PIN debit purchases. Your Card allows you to visit any ATM displaying the Visa Acceptance Mark and use your PIN to make cash withdrawals.

+ How do I track my balance?

You can view your account anytime at www.MOMENTUMCARD.com, or by calling 1-855-721-5041; or check your balance in any MONEY MART®, The Check Cashing Store®, American Payday Loans, American Check Casher, Cash Advance, or Payday Loans or wherever MOMENTUM Cards are sold.Please visit us online: https://www.thecheckcashingstore.com/find-a-store/ http://www.moneymart.com/stores/find-a-store

+ How will I know my Card balance?

You can check your balance and get details on your transaction history by going online to www.MOMENTUMCARD.com or by calling 1-855-721-5041 and using our automated phone system or speaking to a customer service agent in English or Spanish. The best way to stay informed about your Card and available balance is to sign up for Alerts. Alerts that allow you to always know your balance and be aware of any transactions made with your Card. Alerts can be sent as a text message* to your cellular phone and/or as an email. With daily balance alerts you'll always know your available balance and you will receive updates every time you swipe or load your Card. All of the alerts are customizable, including daily balance, reloads, and other convenient updates. To set up your text or email alerts, go to www.MOMENTUMCARD.com or call 1-855-721-5041.

*Standard text messaging rates from your wireless service provider may apply.

+ How can I reload my Card?

You can reload funds on your Card at any MONEY MART, The Check Cashing Store or other store where you purchased the Card by using the following options:

  • Direct Deposit
  • Visa ReadyLink (Coming in 2014)
  • Vanilla Reload Network

+ Can the Card ever have a negative balance?

Since your Card is prepaid, you can only spend the available balance on your Card. However, sometimes a merchant will make a mistake and approve a transaction even though your account did not have the funds to cover the full amount of the transaction. Should this occur, the primary cardholder will be responsible for the transaction, and will be charged applicable fee(s). Please see your Cardholder Agreement for additional information.

+ What if my Card or PIN is lost or stolen?

Make sure you keep your PIN in a safe place separate from your Card. Do not write it on your Card. If your Card or PIN is lost or stolen, quickly report it and request a replacement by calling 1-855-721-5041. The Visa Zero Liability policy*** can protect you from unauthorized purchases.*** The Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial Card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security

+ What are pending authorizations?

A notice of "pending" means that while we have received notice from that merchant that you spent that amount at their store or on their website, the merchant hasn't yet sent through the final amount for payment. This notice, called an authorization, is done to make sure that your Card is valid and to tell us to put the money in your account on hold until the merchant sends through the final transaction amount for payment. When we receive that final notification (usually within 3-5 days of the purchase) the transaction is considered "settled" or "posted" and the amount of that transaction is taken out of your account and remaining funds released back to your available balance.

For example, if you choose to pay at the pump at gas stations, you will need to have a minimum available balance of $125 or the value of the Card, whichever is less. If a cardholder chooses pay-at-the-pump and has $125 on the card, that is what will be preauthorized. If the cardholder has less than $125, the preauthorization will be for the card balance, and the cardholder will only be able to pump gas up to that amount.. Restaurants, hotels and rental companies are other examples of companies that may authorize your Card for funds in addition to the purchase amount.

+ Can I use the Card to make purchases on the Internet or over the phone?

Yes, wherever MOMENTUM Prepaid Debit Cards are accepted for payment. Please wait 24 hours from time of purchase before using your temporary Card for online purchases.

+ Can I use the Card for online gambling?

No. The MOMENTUM Prepaid Debit Card will not be accepted for online gambling transactions.

+ Can I use my MOMENTUM Visa Prepaid Debit Card for car rentals, hotel stays, and dining out?

If you use your Card at a restaurant, a hotel, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount

+ When can I start using my MOMENTUM Card?

You can start using your MOMENTUM Card at the time of purchase. The MOMENTUM Card is activated at the store.

+ Can I buy a second Card for my wife or family member?

No. Any Card that you purchase must be in your name. If your wife or family member wants a Card, they will need to come in to any MONEY MART, The Check Cashing Store or other authorized location and show proper identification to get a Card.
The MOMENTUM Visa Prepaid Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. The Bancorp Bank; Member FDIC. MOMENTUM, is a registered service mark of Dollar Financial Group, Inc. All MOMENTUM Cards are distributed and serviced by either ITC Financial Licenses, Inc. or IH Financial Licenses, Inc. depending on the state or territory where the Card is purchased. ITC Financial Licenses, Inc. is licensed as a Money Transmitter by the Banking Department of the State of New York.

For further information please visit your MONEY MART, The Check Cashing Store or other store location or check online at www.MOMENTUMCARD.com or call 1-855-721-5041.
The MOMENTUM Visa Prepaid Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. The Bancorp Bank; Member FDIC. MOMENTUM, is a registered service mark of Dollar Financial Group, Inc. All MOMENTUM Cards are distributed and serviced by either ITC Financial Licenses, Inc. or IH Financial Licenses, Inc. depending on the state or territory where the Card is purchased. ITC Financial Licenses, Inc. is licensed as a Money Transmitter by the Banking Department of the State of New York.

The MOMENTUM Visa Prepaid Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Momentum®, Money Mart® American Check Casher® and The Check Cashing Store® are registered service marks of Dollar Financial Group, Inc. © 2014 Dollar Financial Group, Inc. All rights reserved.
Need Help?
If you have questions about your Momentum Card or account or need to report a lost or stolen Card, please contact a Customer Care representative at:
1-855-721-5041
Or write to:
Momentum Visa
Prepaid Debit Card
401 Garbally Road
Victoria, BC V8T 5M3
Is your question missing?

TEXAS DEPARTMENT OF BANKING CUSTOMER NOTICE

If you have a complaint, first contact the consumer assistance division of ITC Financial Licenses, Inc. at 1-855-467-8409, if you still have an unresolved complaint regarding the company's money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking:

In Person or U.S. Mail

Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, Texas 78705-4294

Phone: 1-877-276-5554 (toll free)
Fax Number: 1-512-475-1313
E-mail Address: consumer.complaints@dob.texas.gov
www.dob.texas.gov

COMPLAINT?

If you have a complaint, first contact the consumer assistance division of ITC Financial Licenses, Inc. at 1-855-467-8409. If you still have an unresolved complaint regarding the company's money transmission, please direct your complaint to:

The Commissioner of Financial Regulation for the State of Maryland

CUSTOMER NOTICE


The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding ITC Financial Licenses, Inc.  (NMLS ID #912772) at:

Commissioner of Financial Regulation
Attention: Consumer Services Unit
500 North Calvert Street
Suite 402
Baltimore, Maryland 21202
Phone: 1-888-784-0136

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