What is a Visa® payroll Card?
A payroll card is a prepaid cash card that allows your employer to deposit your wages onto a card instantly each pay day rather than issuing you a paper check. You can use your payroll card to withdraw cash at any ATM and make purchases wherever Visa is accepted, and it saves you the expense and hassle of check cashing.
How can I get a Visa Payroll Card?
If your employer participates in PlainsCapital Bank's Visa Payroll Card program, you will be enrolled through your employer.
How does the payroll card work?
Upon enrollment, you will receive an embossed reloadable Visa Payroll Card in the mail. Each pay day, your wages will be automatically deposited onto your card by your employer. You can then use your card to obtain cash and pay for purchases. Your transactions are posted to your account and are available for your review online or by phone 24 hours a day, 7 days a week. You must activate your card to begin use.
How do I activate my payroll card?
Your payroll card can be activated online or by phone.
To activate online, visit www.plainscapitalbank.com/payrollcard and click Activate. You will be prompted to enter your card number and expiration date, and then click Submit. Then, enter the home telephone number or zip code your provided on your application to complete the activation process.
To activate by phone, call the number on the sticker affixed to your new payroll card, 1-800-675-1001. You must call the number from the home telephone you provided on your application and enter your zip code to complete the activation process. You will be prompted to change your four-digit Personal Identification Number (PIN) at this time. You will use this PIN to make transactions with your card, to withdraw funds at ATM terminals, and to access your account information by telephone. Select a four-digit number you can remember easily. If you opt not to change your PIN, it will default to the last four digits of your payroll card number located on the front of your payroll card. Please note that if you do not change your PIN from the default, you assume all associated risks.
How do I access my card information online?
To access your card information online, you must register to obtain a user name and password. To register, visit www.plainscapitalbank.com/payrollcard and click Register. You will be prompted to enter your card number and expiration date, and then click Submit. Then, enter your social security number and birth date and create your user name and password.
After completing the online registration process, you will be able to access your payroll card account information online. Visit www.plainscapitalbank.com/payrollcard and click Sign-on, then enter the user name and password you created during registration. You now have access to check your card balance, view transaction history, transfer funds to and from your bank account, reload your card, order and fund secondary cards, change your personal information, and much more.
How do I access my card information by telephone?
To access your card information by phone, call 1-800-538-9990 and enter your card number and Personal Identification Number (PIN). You will have access to your card balance, recent transaction history, and many other card features. Your default PIN is the last four digits of your payroll card number located on the front of your payroll card. If you did not change your PIN during the activation process, you may change it at any time online or by phone. Please note that if you do not change your PIN from the default, you assume all associated risks.
Is there a fee to access my card information online or by phone?
No, you may access your card information online at www.plainscapitalbank.com/payrollcard or by calling 1-800-538-9990 free-of-charge.
What is my Personal Identification Number (PIN)?
Your four-digit Personal Identification Number (PIN) allows you to access your funds and your card information. You will enter your PIN when you make transactions with your card, withdraw funds at ATM terminals, and access your account information by telephone.
Your default PIN is the last four digits of your payroll card number located on the front of your payroll card. You may change this PIN at any time by calling
1-800-538-9990 or by signing into your account online at
www.plainscapitalbank.com/payrollcard and clicking on
Services. Please note that if you do not change your PIN from the default, you assume all associated risks.
How can I check the remaining balance on my payroll card?
You can check your remaining balance, view transaction history, and manage your payroll card account online at www.plainscapitalbank.com/payrollcard or by phone at 1-800-538-9990. There is no charge for checking your balance by phone or for viewing your account online.
How do I make a purchase with my payroll card?
To make a purchase with your payroll card, just swipe your card through a pay terminal or give your card to the cashier. Then, sign the receipt just as you would with a credit card. If the merchant accepts debit transactions, you may also make a purchase by swiping your card and entering your personal identification number (PIN). Some merchants will allow you to get cash back with PIN-based transactions.
Can I make a purchase for more than the dollar amount on my payroll card?
Yes, however, you must pay the excess balance using some other form of payment. If you plan to use two payment methods to make your purchase, tell the cashier how much to apply to your payroll card before they ring up your purchase - otherwise, your transaction may be declined.
Can I use my payroll card at an ATM to withdraw money?
Yes, just swipe your card and enter your PIN at the ATM terminal. You may withdraw any cash amount less than your total card balance. When you are asked to select an account type to withdraw from, you may select any of the available options and your transaction will be completed.
Is there a fee to use my payroll card at an ATM?
You may use PlainsCapital Bank ATM machines to withdraw money from your payroll card free-of-charge. Withdrawals at foreign ATMs may incur a service charge.
Can I use my payroll card to make purchases over the Internet?
Yes, just use your payroll card like a credit card to make purchases online.
How long is my payroll card valid?
The expiration date for your payroll card is located on the front of your card. You may continue to use your card until the expiration date or until no funds remain on the card. A new card will be sent to you after your first card expires.
What happens when I spend all the funds on my payroll card?
You will be able to use your card again after your employer reloads it with your wages on the next pay day.
How can I order a secondary card that is linked to my payroll card?
You may order secondary cards for your family members by signing on to your account at www.plainscapitalbank.com/payrollcard. Click on Services and follow the steps to order a secondary card. Secondary cards will share a balance with your primary payroll card.
What happens if I am no longer employed by an employer in the payroll card program?
You may continue to use your payroll card until no funds remain on the card. You may also choose to receive a check for the remaining balance of your card for a $15.00 fee. Please contact PlainsCapital Bank at 1-866-762-8392 for more information.
Is it possible to receive the entire balance of my payroll card in cash?
PlainsCapital Bank can issue a check for the remainder of a payroll card balance for a fee of $15.00. You may also access your funds at any ATM or merchant card terminal.
Why was my payroll card declined by a restaurant when I had enough money to pay the food bill?
The most frequent cause of this problem is the way in which restaurants have programmed their card terminals to account for the food server's tip in addition to the total amount of the food bill. The card terminals are typically programmed by restaurants to "up charge" the tip amount (usually between 15% to 20%) based on a percentage of the total food bill. This "up charge" is to ensure that you put the tip on your payroll card and have the funds available to cover the total of your food bill plus tip. However, you will not be charged this "up charge" should you choose to pay a different tip amount or pay tip in cash - your payroll card balance will reflect the total that you sign on the restaurant receipt.
Why can't I use my card to pay at the pump at gasoline stations?
Pay-at-the-pump terminals will not accept your payroll card as payment. To purchase gas using your payroll card, please go inside the station to prepay the cashier.
What should I do if my payroll card is lost or stolen?
If your payroll card is lost or stolen, you should cancel your card immediately and request a replacement. If you have registered for online account access, visit www.plainscapitalbank.com/payrollcard and sign on to your account. Click on Services then cancel your card and request a replacement. If you have not registered for online account access, call PlainsCapital Bank at 1-866-762-8392 to cancel your card. You will be charged a $5.00 card replacement fee.
What should I do if I suspect unauthorized transactions or fraud?
Contact PlainsCapital Bank immediately at 1-866-762-8392. Refer to the payroll card disclosures for further details.