Frequently Asked Questions

About my Mobile Toggle Card™

Getting Started

Using the Mobile Toggle Card™

Card Security

About my Mobile Toggle Card™

What is a Mobile Toggle Card™?

This is Veritec's Prepaid (debit) card that allows you to instantly enable and disable (toggle on/off) the use of your card from any telephone.
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Can anyone have a Mobile Toggle Card™?

If you are 18 or older you may open your own primary account. If you are between the ages of 13-17, you may have a sub-account linked to a primary account. The primary account must already have a card or sign up at the same time.
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How much does the Mobile Toggle Card™ cost and how much are replacement cards?

The initial MTC card and all replacement cards are either $6.95 or more depending on the program.
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Can I use my Mobile Toggle Card™ for every day purchases?

Yes by using your PIN or signature. Here are 4 ways to make purchases.

Online – Just type in your card information to pay for your order, as you would any debit or credit card.
Retailers – You can use your card at a POS terminal.
Gas/Hotels – You can give the service station attendant or hotel clerk your card for processing (if you are at a self-serve gas station, you can swipe the card at the pump yourself). You do need a minimum balance of $75 to purchase gas and a minimum of $150 for a hotel, regardless of the actual cost of the transaction.
Mail Order – You can complete the payment portion in the Credit/Debit card area as you would any debit or credit card.

How do I use my Mobile Toggle Card™ while traveling?

For cash (PIN only):

ATM – You can use your card at any ATM that displays any of the same logos that are on your card (Visa, Star, Plus).
POS – You can get cash back from most retailers when using the POS (Point of Sale) terminal. Cash back amounts vary by retailer and cannot exceed POS limit per day, including the actual purchase(s) amount total for that day.

For Purchases (PIN or signature):

Online – You just type in your card information to pay for your order, as you would any debit or credit card.
Retailers – You can use your card at a POS terminal.
Gas/Hotels – You can give the service station attendant or hotel clerk your card for processing (if you are at a self-serve gas station, you can swipe the card at the pump yourself). You do need a minimum balance of $75 to purchase gas and a minimum of $150 for a hotel, regardless of the actual cost of the transaction.
Mail Order – You can complete the payment portion in the Credit/Debit card area as you would any debit or credit card.

For Bills (PIN or signature):

You can pay bills online, in person or sometimes by phone if that company accepts debit cards. However, we do not currently have online bill paying options directly through the card. Every company differs, for details you should contact the company you are paying.
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Will having a Mobile Toggle Card™ build my credit rating?

No. We don’t report to credit agencies. However a delinquent account can be sent to collections which can negatively impact your credit rating.
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How much money can I put on my card?

There is a $9,000 daily load limit. If you're using direct deposit to fund your card there is no maximum limit. Check the fee schedule insert that accompanied your card for more information.
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Can I spend more money than I have on my card?

No, this will cause an NSF charge and an overdraft condition to your account. Other ways you can become overdrawn are purchases made at a merchant who runs transactions offline (not in real time), restaurant purchases that include tips, transactions that are pending (pre-authorized) and post to an account 1-2 days later after other transactions have posted. Please remember that your debit card account is a “paperless/checkless” checking account and you must keep track of your transactions like you would a normal checking account, especially if you use electronic checks/ACH debits.
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Getting Started

How do I apply for a Mobile Toggle Card™?

You can either log into our website at www.vtfs.com or contact Customer Service from the bank that issued your card.
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Why is the Social Security number required on the application?

The SSN is required in order for us to process your information for an account. The bank is required to verify customer identification to comply with the Patriot Act.
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How do I put funds into my Mobile Toggle Card™?

There are several ways this can be done:

Through a money order or cashier’s check made payable to the bank your card is under. You will need to include your card number on the funding item.
Set up a direct deposit with your employer or other agency (e.g. child support, military, insurance, etc.)
You can use MoneyGram with over 20,000 locations nationwide for making deposits. Go to www.moneygram.com or call 1-800-666-3947.
At any retailer that provides the Visa ReadyLink® service. Simply present your card, along with the funds to be loaded, to the cashier at the participating retailer. To find a Visa ReadyLink® location nearest you go to http://visa.via.infonow.net/locator/readylink/. There is a fee for this service.
You can make a deposit online through your online banking website or thru the IVR, provided you already have your account(s) set up.

How long will it take for my Mobile Toggle Card™ to arrive?

The normal turnaround time is 7-10 business days.
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Can I get my card sooner than the standard delivery time?

Yes. There will be a $35 expedite fee and your card will be sent overnight.
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How do I activate my Mobile Toggle Card™?

There should be a sticker on the front of your card with a toll-free number on it to call and activate your card. You can also call Customer Service from the bank that issued your card.
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Can I use my Mobile Toggle Card™ right away?

After activating the card you must wait a full 30 minutes before you can begin using your card.
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Can I return my card for a refund if I decide I do not want it anymore?

Yes. You may cancel your card account at any time by calling the number provided with your card and get a refund of any funds you have deposited on the card. However, the card purchase price is not refundable and you may be charged a cancellation fee.
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What currency is the money on my card?

The currency is in US dollars.
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Using the Mobile Toggle Card™

Where can I use my Mobile Toggle Card™?

Cards may be used anywhere a VISA or STAR logo is displayed. Here are examples of how and where your card may be used.

For cash (PIN only)

ATM – You can use your card at any ATM that displays any of the same logos that are on your card (Visa, Star, Plus).
POS – You can get cash back from most retailers when using the POS (Point of Sale) terminal. Cash back amounts vary by retailer and cannot exceed POS limit per day, including the actual purchase(s) amount total for that day.

For Purchases (PIN or signature):

Online – You just type in your card information to pay for your order, as you would any debit or credit card.
Retailers – You can use your card at a POS terminal.
Gas/Hotels – You can give the service station attendant or hotel clerk your card for processing (if you are at a self-serve gas station, you can swipe the card at the pump yourself). You do need a minimum balance of $75 to purchase gas and a minimum of $150 for a hotel, regardless of the actual cost of the transaction.
Mail Order – You can complete the payment portion in the Credit/Debit card area as you would any debit or credit card.

Bills:

Where can I withdraw money from using my Mobile Toggle Card™?

ATM – You can use your card at any ATM that displays any of the same logos that are on your card (Visa, Star, Plus).
POS – You can get cash back from most retailers when using the POS (Point of Sale) terminal. Cash back amounts vary by retailer and cannot exceed POS limit per day, including the actual purchase(s) amount total for that day.

Is there a limit to how much I can withdraw each day?

Yes. You can only withdraw the amount you have in your account within the set ATM limits or purchase limits for your account per day.
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What fees are associated with the card?

You will receive a list of fees included with your card. Each bank has its own set of fees.
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I bought something for X amount of dollars, but my balance is only down by $1. Why is this?

The merchant has currently only validated your account by $1.00. The charge for the purchase total will process prior to your merchandise being shipped. If the $1.00 appears in the posted section of your transactions rather than the pending, please contact the merchant.
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I bought something for X amount of dollars, but more money than X was taken from my card. Why is this?

The merchant has authorized the transaction for a higher amount than due. If this transaction is in your pending transactions, it is likely the merchant will return the additional funds to your account at the time the transaction is finalized. If this transaction is in your posted transactions, please contact the merchant.
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I purchased something, but my balance doesn't show any money has been taken off. Why is this?

The merchant has not yet processed your transaction and will charge your account shortly. If you withdraw your balance to a point below the amount of your purchase, you are still responsible for depositing funds to cover the purchase made.
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I bought something from a website, but they never took the money off my card. Why is this?

The merchant will process your transaction on the date they are prepared to ship your merchandise.
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How can I check my balance and transaction history?

You can get your balance online by going to your online banking site, at an ATM and at some POS locations. For a transaction history you can log into www.vtfs.com. You can also contact Customer Service from the issuing bank and they can also give you the balance and/or transaction history.
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Why might my transaction be declined?

This may be due to insufficient funds in your account when you are trying to make a purchase or some pending transactions have now been posted to your account leaving you a balance less than the purchase you want to make.
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What is a CVV code?

CVV is an authentication procedure to further efforts towards reducing fraud for internet or card-not-present transactions. This number provides “proof” that you have actual physical possession of your card.
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Can I use my card for recurring transactions?

Yes this can be done. You must be willing to give your 16 digit account number and your routing number to the merchant, if the merchant processes recurring payments. Make sure you only give this information to merchants you trust. Once a merchant has this information they can make both ACH credits and debits to your account. Please be aware that ACH payments are not instant and do take 1-3 days to be deducted from your account after you have made the payment with the merchant. Also be aware that if your account doesn’t have enough funds available when the transaction is processed, an ACH reject fee will occur. On our system there is no way to set recurring payments up. This is can only be set up through merchants directly.
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Can I use my card to rent a car?

Yes, with some car rental agencies. Some car rental agencies do not accept debit cards, or do not accept certain debit cards. Whether or not your debit card will be accepted is at the discretion of the car rental agency. Some agencies that do accept the card are Enterprise, Dollar, and Thrifty. When you make your reservation ask if there is a “hold” charge that will be charged to your card, similar to gas and hotel “holds”. There typically will be a “hold” placed on your account at the time the vehicle is rented as a deposit. The deposit will be returned, possibly less any rental charges, usually within 24 hours after returning the vehicle. It is dependent upon the rental company.
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What if I return something that I have purchased with my card?

A refund/return from a merchant can take up to seven business days to post to your account. This process completely depends on the merchant’s credit card processing service. Neither the merchant or VTFS have any control over how long a refund/return takes to show on your account. If it has been longer than seven business days, you should contact the merchant so that the merchant can check with their processor. Unfortunately this is a process that we have absolutely no control over.
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Card Security

Is the money on my Mobile Toggle Card™ secure?

Yes. There are several advanced security features that enable you to keep your card secure.

Toggle your card on and off at will. - We offer a security feature where you can turn your card on and off at will. This can be done through the IVR system by choosing menu option number five. This will turn your card off for both purchases and ATM transactions. Your card will not function while it is turned off; however, ACH credits and debits (including direct deposit) will still be processed while your card is off. When you turn your card off or on it is instant, there is no waiting time. While your card is off, it will not work for anyone, including yourself. You will need to turn the card back on by calling the IVR system.
Toggle your online banking website on and off at will. – You have the ability to turn your online banking website on an off at will by using the IVR menu option number seven. This will turn your online banking off and no one, including yourself, will be able to login. You will need to call the IVR to turn your online banking website back on again before you attempt to login. When you turn your online banking website off or on it is instant, there is no waiting time.
Text message and/or email notification. – You can set up text message and/or email notification of deposits, purchases, and low balance alerts on your online banking website. Every deposit and/or purchase will cause the system to send you an email or text message, depending on what you sign up for. You can choose what to sign up for individually (such as all, or just deposit notifications) and can control your subscription preferences from your online banking website. If you do not have internet access, contact Customer Service from the bank that issued your card.
The money in your MTC Visa Prepaid (debit) card account is FDIC insured up to the current limits.

Is it secure to use my Mobile Toggle Card™ to shop online?

Yes. You have the ability to turn your online banking website on an off at will by using the IVR menu option number seven. This will turn your online banking off and no one, including yourself, will be able to login. You will need to call the IVR to turn your online banking website back on again before you attempt to login. When you turn your online banking website off or on it is instant, there is no waiting time
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What address should I give when purchasing goods online or by mail order/phone order?

You will want use the billing address of your card. If this is not your current residence please update your card billing address and then input the address in your online order. Most online purchase approvals match the address you input to your card billing address.
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What should I do if my card is lost or stolen?

You should report it to Customer Service by using the toll free number provided when you received your card. The CSR will verify that the address is correct before changing the status of your card. Your new card with a new account number will be sent (providing your account had a positive balance) and will arrive in 7-10 business days. You will need to update the DD information with the new account number with your employer after the new card arrives. In the meantime, all direct deposits will slide from the old account to the new account with no problem.
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Can I change my PIN?

No. You will need to contact Customer Service from the bank that issued your card. Once the PIN has been changed, you will have to wait the full 30 minutes before attempting to use your card.
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What if I forget my password or PIN?

You will want to contact Customer Service from the bank that issued your card. After your password or PIN has been changed, you will need to wait a full 30 minutes before using your card.
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What if a transaction that is not mine appears on my statement?

You will want to contact Customer Service from the bank that issued your card. They will walk you through the process concerning the possible disputed charges on your statement. As a safety precaution they can suggest that you cancel your card and order a new one.
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How do I close my account?

You will want to contact Customer Service from the bank that issued your card. This can be done at any time by calling the number provided with your card. By doing so there may be a cancellation fee charged to your account.
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Can I have more than one Mobile Toggle Card™?

Yes. Each cardholder can have a total of 2 cards per individual.
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Why can't I use my card with certain merchants/companies?

There are merchants/companies that don’t support Visa, POS, online or over the phone capabilities.
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