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Union Plus Prepaid Debit Card from Visa & Mastercard

Save More Money with a Prepaid Debit Card

An easy yet powerful way to manage your money anytime, anywhere.

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The Union Plus Prepaid Debit Card Difference:

  • No credit check, no minimum balance and no overdraft fees.
  • No checking account required.
  • A savings account with 5.10% APY3. Cardholders can deposit money into a savings account that delivers an annual percentage yield 20 times higher than the national average.
  • Prepaid Debit Card accounts are FDIC insured up to $250,000 per account holder.
  • Union Plus prepaid debit cards are accepted anywhere Visa or MasterCard debit is accepted worldwide.
  • Reload at thousands of retail locations nationwide, through direct deposit, or by transferring money from a bank account.
  • Send and receive money from your mobile phone.
  • 24/7 customer service online via live agent or Web.

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Enjoy Exclusive Benefits with the Union Plus Prepaid Debit Card
 

At Union Plus, we want to offer you an easy yet powerful way to manage your money anytime, anywhere. The Union Plus Prepaid Debit Card from Visa & Mastercard was created exclusively with you and your family in mind. With this prepaid card, you can:

Visa & Mastercard Debit Cards are not Credit Cards


The best part is, this is NOT a credit card, so it doesn't require a credit check. It gives you the convenience, power and security of a credit card but is pre-loaded with your own money so you won't have to worry about going into debt or have to pay overdraft penalties, hidden fees or interest charges typically associated with checking accounts. Best of all with a secure online account management site you can track your spending and stay in complete control of your finances.

If you are interested in a credit card, consider the Union Plus Credit Card or for rebuilding your credit, the Union Plus Secured Credit Card.

Program Features

  • Save money on banking, overdraft, and check cashing fees. The prepaid card fees are low, and members who deposit $500/month into their prepaid account will have the $2 monthly fee waived1.
  • Guaranteed approval2. There is no credit check or employment verification.
  • Union Plus prepaid cards are accepted anywhere Visa or MasterCard debit is accepted worldwide.
  • No hidden fees or overdraft charges.
  • Prepaid cards use money loaded on the card, so cardholders don’t accumulate debt by spending on credit.
  • Accounts are FDIC insured up to $250,000 per account holder.
  • Reload at thousands of retail locations nationwide, through direct deposit, or by transferring money from a bank account.
  • Free text alerts. (Please note that mobile carriers may charge to send or receive text messages.)
  • Text money to anyone, anywhere in the U.S.
  • A savings account with 5.10% APY3. Cardholders can deposit money into a savings account that delivers an annual percentage yield 20 times higher than the national average.
  • Pay your bills online.

 

 

1. Excludes funds received through a transfer from another card account.
2. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When a member applies for a card, Rêv will ask for the member's name, address, date of birth, and other information which will allow Rêv to verify the member's identity. Rêv may also ask the applicant to present identifying documents, such as government-issued photo ID. Guaranteed approval is contingent upon successful completion of this identity verification process.
3. The Savings program is for customers enrolled in recurring Direct Deposit to their Union Plus card. Subject to identity verification. Before customers can open a Savings Account, the card program must verify their identity in accordance with federal law. The card program may require customers to provide identification documents in addition to the information they provided at enrollment. The Annual Percentage Yield (APY) and the APY comparison are effective as of October 8, 2010. Rates are subject to change at any time and may change after accounts are opened. The APY advertised applies only to the portion of the customer's savings account balance which is $5,000.00 or less. No interest will be paid on the portion of the customer's savings account balance which exceeds $5,000.00. Fees could reduce the earnings on your savings account. Please see the Savings Account Customer Agreement for full disclosures.

FAQs

Is the Union Plus Visa/Mastercard Prepaid Card a credit card?
No, this is a prepaid card. With the Union Plus Mastercard® or Visa® Prepaid Card you add money with direct deposit, cash or even a bank transfer and then only spend the money you add to it so it won’t get you into debt.

The Union Plus Mastercard/Visa Prepaid Card offers features like a high yield savings account, the ability to pay your bills in minutes, lets you see your balance through a simple text message and much more. Because it offers free direct deposit, you can get your paycheck every pay period and then use the card anywhere Mastercard or Visa is accepted worldwide including ATMs.

Why should I get this debit card?
This exclusive prepaid card allows you to manage your money anytime, anywhere and makes it extremely easy to keep track of all your spending. Check your balance through a simple text message, through a dedicated website, or through our 24/7 US based customer support. The Union Plus Mastercard/Visa Prepaid Card direct deposit customers access to a savings account* with an interest rate over 20 times over the industry standard† and many other features.

How much does it cost?
The Union Plus Mastercard/Visa Prepaid Card has some of the best rates out there. Click here to see our list of low fees.

What are the main benefits?

  • Free Direct Deposit for your paycheck or benefits check
  • Savings account* with a 5.10% APY†
  • Send money with your mobile phone
  • Check your balance anytime with a text message
  • Get Wireless alerts anytime your debit card is swiped
  • Pay your bills from your online account center
  • No Credit Check, No Overdraft Fees, No checking account required
  • 24/7 US based Customer Support
  • FDIC insured up to $250,000


Where is my money kept?
The Union Plus Visa/Mastercard Prepaid Cards are issued by Inter National Bank and the funds are kept in a secure bank account that is FDIC insured up to $250,000.

How can I get a prepaid debit card?
You can order your card by visiting MyUnionPrepaid.com or by calling 1-888-232-3260.

How long does it take to get the debit card?
Your card takes 7 to 10 business days to arrive. Please note that this does not take into account weekends or bank holidays.

How do I activate my debit card?
Activating your card is easy just visit MyUnionPrepaid.com or call the number that appears on the activation sticker on your card.

How do I add money to my prepaid card?
You can add money by enrolling in free direct deposit, by purchasing a Green Dot® MoneyPak® or by transferring money from your bank or PayPal™ account. For detailed instructions on how to load your card click here.


Learn more about the Union Plus Prepaid Card by reading these FAQs.


†  The Annual Percentage Yield (APY) and the APY comparison as advertised are effective as of November 1, 2010. Rates are subject to change at any time and may change after accounts are opened. The APY advertised applies only to the portion of your savings account balance which is $5,000.00 or less. An interest rate of 0.10% will be paid on the portion of your savings account balance which exceeds $5,000.00. Fees could reduce the earnings on your savings account. Please see the Savings Account Customer Agreement for full disclosures.

* The savings account is for customers enrolled in recurring Direct Deposit. Subject to identity verification. Before you can open a savings account, we must verify your identity in accordance with federal law. We may require you to provide identification documents in addition to the information you provided at enrollment.

Consumer Tips

Six Tips on Getting the Most out of your Union Prepaid Card

  1. Enroll in Direct Deposit; it is a fast, easy and free way to load your paycheck into your Union Prepaid card.  Enrolling takes a few minutes and not only gives you access to your paycheck but also qualifies you to get a high-yield savings account.
     
  2. Start saving money by opening a savings account* with a 5.10% APY†. If you’re enrolled in Direct Deposit you can get a savings account with a rate over 20 times the industry average.  It takes one minute to open your account, there are no account opening fees, no monthly maintenance fees and no minimum balance required.
     
  3. Manage your money anywhere you are with your mobile phone by enrolling in YAP. YAP is a service that allows you to check your balance (prepaid and savings) at any time with a text message. YAP also lets you send money to anyone in the US with a text message. There is no fee to enroll in YAP and no fees to check your balance. For our full list of simple fees click here.
     
  4. Enroll in Wireless Alerts. With this service you can receive an email or a text message** anytime your card is swiped. Keeping track of your spending has never been easier.
     
  5. Get an additional card. Have a family member that needs access to your account? Get them card to access your account at no additional charge.
     
  6. Save time by skipping the line and paying your bills in minutes from your Union Prepaid Card online account.


Remember, if you have any questions you can access your account 24/7 via our dedicated website or by calling customer service.


† The Annual Percentage Yield (APY) and the APY comparison as advertised are effective as of February 7, 2011. Rates are subject to change at any time and may change after accounts are opened. The APY advertised applies only to the portion of your savings account balance which is $5,000.00 or less. An interest rate of 0.10% will be paid on the portion of your savings account balance which exceeds $5,000.00. Fees could reduce the earnings on your savings account. Please see the Savings Account Customer Agreement for full disclosures.

* The savings account is for customers enrolled in recurring Direct Deposit. Subject to identity verification. Before you can open a savings account, we must verify your identity in accordance with federal law. We may require you to provide identification documents in addition to the information you provided at enrollment.

** Standard messaging charges apply. This means that your mobile carrier (not YAP) may charge you separately to send or receive text messages.
 

 

Eligibility

The program is available in the United States. It is not available in Canada, Guam, Puerto Rico or the US Virgin Islands.

Who is eligible?

  • Dues-paying labor union members
  • Union member retirees
  • Spouse and domestic partners and children (age 18+) of union members. Children aged 13-17 may open an account with parental consent.
  • Working America members

Customer Service

For any questions, call the Union Plus Prepaid Card program at 1-888-232-3260, 24 hours a day, 7 days a week.

Members can access their accounts online at any time at MyUnionPrepaid.com.

We realize that sometimes you may need help with a concern about using a Union Plus program. The Union Plus Member Advocacy Program, staffed by OPEIU Local 2 members, is here to help you resolve any problems. Contact us at 1-800-472-2005 (8:30 a.m. - 4:30 p.m. ET, weekdays) or online at UnionPlus.org/Customer.


Member Comments

On 08/14/11 jeanette said:

Looks good, have the card. Slightly irritable customer service, today I can't get through at all. The routing number doesn't work with my regular bank so I can't set up to make transfers. Customer service rep said my bank had to "add" them. My bank says there is likely a different routing number that they didn't give me. I really like the 5% savings account, that is what I am using the card for. $50 month direct deposit is all that is needed. Has to be from a paycheck or an income source though, not another bank. The 2$ fee per month is low, can be waived if you deposit $500 every month. This is not noted on the information you get in the mail, I didn't see that until I came online.

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