•             Save time. Easy and quick access to your pay without waiting in line to cash or deposit a check.

•             Convenient. Withdraw cash at ATMs 24 hours a day and make purchases everywhere Visa debit cards are accepted, including gas stations, grocery stores, restaurants and pharmacies.

•             Secure. No need to carry large amounts of cash.

•             Save money. Reduce check-cashing and money order fees.

•             Track spending. Free account information and customer service 24 hours a day.

•             Visa benefits. Enjoy the prestige and purchase protection given to Visa-branded cardholders, without a credit check.

•             Reliable. Receive your pay on time—no lost or stolen checks.

•             Easy. No minimum balance required to open or maintain the card.

•             Safe. Funds are protected by the U.S. Bank Zero Liability Policy* and are FDIC insured.

Are There Costs Associated with the Card?

Can I use my card without incurring fees?

Yes. Here are some of the ways you can use your card for free.

•         Make purchases at any merchant that accepts Visa debit cards.

•           Make cash withdrawals from a U.S. Bank ATM or from a teller at any financial institution that accepts Visa.

•         Perform a balance inquiry at an ATM.

How do I check my balance for free?

•             Consult the monthly statement mailed to your home.

•             Access your account online 24 hours a day at accelapay.com.

•             Call the automated customer service line.

•             Talk with a live customer service representative once a month.

What fees are associated with this card?

When you receive your card, you will receive a list of fees that apply to the card.

They include:

•             A $1.50 fee for each ATM transaction from non-U.S. Bank ATMs. Non-U.S. ATM owners may assess their own fee for each transaction.

•             A $3.00 fee each month for each call with a live customer service representative after the first free call.

•             A $2.00 fee per month if the account is inactive for 180 consecutive days. The fee is charged each month until the account becomes active again or until the balance reaches $0.

•             A $3.00 fee for standard card replacement. The card will arrive in 3-5 business days via standard U.S. mail.

•             A $20.00 fee for expedited card replacement. The card will arrive in 2 business days via UPS.

•             A $20.00 overdraft fee will be charged if the card becomes overdrawn.

Are there fees for tracking my balance?

Each month you will receive a free printed statement which shows all card activity for the past month and your account balance. You may also check the account balance free of charge, 24 hours a day, by going online to accelapay.com or by calling the automated AccelaPay Visa customer service line at 866-363-4134. If you perform a balance inquiry at a non-U.S. Bank ATM, you may be charged a fee by the ATM owner, even if you do not perform a transaction.

Is there a fee for using this card to purchase goods at a store?

No. When using the AccelaPay Visa Card to make purchases, there is no fee associated with it. It works like a Visa debit card, except that it pays the merchant from the amount stored on your card. At participating Interlink^® merchants, such as grocery stores, you can also request cash back without paying a fee.

Do I have to pay ATM fees?

U.S. Bank will not charge a fee for withdrawals made from U.S. Bank ATMs. For withdrawals from non-U.S. Bank ATMs, U.S. Bank will charge a service fee of $1.50. If using a non-U.S. Bank ATM, the owner of that ATM may charge an additional fee. These surcharge fees vary depending on the bank that owns the machine. The ATM will notify you of the surcharge fee and allow you to cancel the transaction prior to being charged the fee.

Are There Limits on the Way I Use the Card?

Can Shawnee State University view or track my transactions?

No. For privacy reasons, U.S. Bank does not share card account numbers or transaction details. However, for reconciliation purposes, Shawnee State University does have access to the amount and date of deposits to individual cards. 

Can the AccelaPay Visa be overdrawn?

Usually a purchase that exceeds the available balance will not be approved. Occasionally, a merchant will submit approval or authorization for a transaction amount which may be less than the final purchase transaction, or the merchant may submit a transaction without prior authorization, either of which may result in a negative balance when the final charge is posted to the card. It is important for you to keep track of the balance amount available, and if you wish to make a purchase that would exceed your available balance use the payment process described below to avoid a negative balance and the assessment of an overdraft fee.

Can I make a purchase for more than the amount on my card?

If you need to make a purchase for more than the amount you have on your card, you will need to use two forms of payment. Tell the cashier how much you want taken from the balance on your card - the cashier cannot determine your available balance. Then, pay the remaining balance with cash, check, credit card or check card.

Do I have to go to a U.S. Bank ATM or U.S. Bank branch to get cash?

No. You can obtain cash from any of the over one million Visa/PLUS ATMs throughout the world, or over the counter at any bank or credit union that accepts Visa. You can also get cash back on purchases made at Interlink merchants throughout the United States, such as grocery and discount stores. Note: To identify an Interlink merchant, simply match the Interlink logo on the back of the card to the logo displayed on the merchant’s door or at the checkout counter.

What if I decide to switch my automatic deposit from the AccelaPay Visa Card to my checking/savings account?

Simply contact Human Resources to request that the payroll deposit payments be changed. Continue to use the card until you have used the balance remaining on it.

What Are Some of the Features of the Card?

When using an ATM to withdraw funds, which selection (checking, savings, or credit card) do I choose?

You should select “checking” when making a withdrawal at an ATM.

Will I be able to add other funds to my card, in addition to what the University puts on it?

No. The payroll card is programmed to only accept payroll deposits form Shawnee State - an employee will not be able to add funds to his/her payroll card balance.

Will I earn interest on the funds in my AccelaPay Visa Card account?

No. The account does not earn interest.

Will I receive a monthly paper statement in the mail?

Yes. You may also view your current transaction history and past statements online at accelapay.com. To ensure that your monthly statement is sent to the correct address, please contact AccelaPay Visa customer service at 866-363-4134 to report an address change.

How can I check the available balance on my card?

You can obtain your current available balance in three ways: