Quick answers to the most common questions:
Other Common Questions
Activating My WesternCard Account
- Make and initial deposit to your WesternCard Account: Click Here for a complete list of
deposit options
- If you do not already have your permanent Debit Visa or MasterCard Card we will send it
out as soon as your initial deposit has been made
- When your WesternCard arrives in the mail call our activation center at (214) 987-1425
- Once you receive your WesternCard, remember to change your Personal Identification
Number (PIN) to something only you know
ATM and Cash point Withdrawal Limits
You can withdraw up to $300 per day. There may be a fee for both domestic and international
ATM withdrawals (see fee schedule). In addition, each individual ATM location may impose an
additional surcharge.
Qualifying customers who use Direct Deposit may request an increase of this daily limit to $500.
Charges I Don't Recognize
Some merchants place a hold on your funds in an amount higher then the actual service. This does
not mean they are charging you more. These holds will fall off the account automatically in
approximately 5 business days from the date of service, or as soon as the merchant releases
the pending hold.
 If there is no charge on your account yet: Please give the merchant time to process
the charge and release the funds. This usually takes 5 days.
If the actual charge has posted to your account and there is still a hold on
your funds: The temporary hold will usually come off your account in
approximately 5 days.
Checking My Balance and Charges
On the internet: You can check account balances and transactions anytime by
visiting us at www.WestenCard.net and clicking "Access Your WesternCard".
On the phone: Call our automated system anytime at (214) 987-1425
Making Deposits
For a complete list of deposit options:
- Click https:// my.WestenCard.net
- Click QuickStart
- Sign in to your Account
- View a complete list of deposit options and instructions
Direct Deposits
- Click https://my.WestenCard.net
- Click QuickStart
- Sign in to your Account
- Click Quick Start for your personalized Direct Deposit Form
- Sing the form and give it to your employer
Brokers or money transfer centres (Western Union, Money Gram) Deposits
- Click https://my.WestenCard.net
- Click QuickStart
- Sign in to your WestenCard
- Click Cash/Other Deposit Options
- Print out your personalized Brokers or money transfer centres
(Western Union, Money Gram) form and bring it to the closest location along with your cash
Using My WesternCard Account
ATM Cards
WesternCard
Once you have received your WesternCard, you can make purchases anywhere Visa and
MasterCard are accepted world-wide. You can also use any ATM or cash point listed above or one
of the 900,000 Visa and MasterCard ATMs.
Click http://www.Wetserncard.net/us/personal/en/cardholderservices/atmlocations/index.html to find
the closest Visa and MasterCard ATM or the closest WesternCard cash point.
Card Delivery
Your card will be delivered 5-7 business days after you complete your application.
You may purchase directly your WesternCard at any WesternCard Broker. Click Here http://www.Wetserncard.net/us/personal/en/cardholderservices/atmlocations/index.html to find the closest
WesternCard Broker.
Automatic Credit Builder
WesternCard is a new generation of debit cards with a unique proprietary operating method that
automatically builds loan guaranties for the end users. With WesternCard any one can have access to
credit after each transaction, WESTERNCARD debit card end users will receive a rebate of 0.5% on the
amount of the purchase price plus a special rebate of percentage from WESTERNCARD business
partners at WesternCard Partners or discount Partners network. The rebate will be credited to the end
users debit card balance account and be used has guaranty for future credit to purchase goods and
services. The rebate may be in the form of a loan from WESTERNCARD to the end user, for which the
end user will repay with a very low interest rate on a revolving basis. Click Here.
http://www.Wetserncard.net/us/personal/en/cardholderservices/WesterncardPartnerlocations/index.html
to find the closest WesternCard partner.
Deposit Availability
Direct deposits and electronic payments are available the same business day they are received
by WESTERNCARD.
- Cash Deposits made through Brokers are available immediately the hour.
Deposit Limits
You can make deposits to your WESTERNCARD at any time. However, your initial deposit must be
enough to cover any set-up fees (See your Terms & Conditions if you are unsure of this amount). There
is no limit on the number of times you can deposit funds to your WESTERNCARD but there is a limit of five
deposits per day (not to exceed a daily total deposit of $35,000). The maximum balance you can have in
your WESTERNCARD is restricted to $35,000. Deposits made through money transfer centres can
not exceed $999.00 a day.
FDIC Protection
Your money's safe. Backed by the Federal Deposit Insurance Corporation (FDIC), an independent
agency of the United States Government, you're protected against the loss of your deposits.
Making Purchases
If the merchant gives you the option to select "debit" or "credit", you're free to choose either. If you
choose "debit", you'll be asked to enter your PIN to authorize the transaction. Choosing "credit" typically
requires your signature. If you make a purchase online or over the phone, just enter your card number
and expiration date. Some online merchants may require you to verify your transaction by entering
the 3-digit security code found on the back of your card. Typically, it is the last 3 digits of the
number appearing on the signature panel.
Minimum Balance
No. You don't have to keep a minimum balance on your WESTERNCARD. But it is important to keep
sufficient funds available at all times to cover any scheduled Bill-Payments as well as
any applicable fees.
Monthly Statements
You will receive monthly online statements free of charge.
Spending Limits
Your daily spending limit with your WESTERNCARD is $2,500 for cash and purchases combined ($1,000
for PIN-based transactions and $1,500 for Signature-based purchase transactions). Bill-Pay
transactions do not count towards your daily spending limit. For example, you can make a total of $2,500
in purchases and a $1,000 Bill-Payment (total $3,500) without exceeding your daily spending limit.
Using Bill-Pay
What WESTERNCARD Bill-Pay?
With WESTERNCARD Bill-Pay, you can pay all your bills online or over the phone from the comfort of
your own home. You can do a one-time payment or schedule recurring payments to anyone in the US
or its territories. For more details, please visit www. Westerncard.net and click on "Electronic Check
Writing Privileges".
How do I use WesternCard Bill-Pay?
Simply sign in to your account at https:// my.Westerncard.net and click on Pay Anyone Bill-Pay to
get started. You can manage all of your bills on-line. If you have any problems please
call us at (214) 987-1425.
Can I pay all my bills using WesternCard Bill-Pay?
Yes, you can make a payment to anyone with (company, institution, or person) using WesternCard
account around the world or located in the United States, US territory (Guam, Puerto Rico, Virgin Islands),
and US military bases using other accounts. For more details, please visit Pay Anyone
Bill-Pay after you sign in to your account at www.Westerncard.net.
How much does WesternCard Bill-Pay cost?
WesternCard Bill-Pay is FREE of charge for online transactions. The telephone and Mobil phone
charge is only $1 per payment.
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