central bank of kansas city prepaid card

Central Bank of Kansas City in Missouri has agreed to issue prepaid cards for Cachet Financial Solutions in Minneapolis. Prepaid issuers and program managers utilize ARM's technology platform and services to bolster their debit card program's profitability and. Can I add my Dayforce Card to mobile wallet applications? The Dayforce Prepaid Mastercard® is issued by Central Bank of Kansas City, Member FDIC.

Central bank of kansas city prepaid card -

Digital challenger CARD customer numbers are on track to exceed 1.5 million by the end of the year.

Affinity branded prepaid issuer CARD says that it has now signed up over 600,000 new accounts. Moreover, customer deposits are now in excess of $3bn.

Year-over-year CARD customer acquisition is almost double the rate of last year.

Tim Coltrell, CEO, CARD says: “We’re really excited with customers’ acceptance of our brand partner images. This makes their mobile banking account unique and personal to them.

“At the same time, consumer banking has failed to keep up with the market’s changing needs. Our aim with our m-banking account is to make it easier for everyone and help customers attain their financial goals.”

Digital challenger CARD plans to introduce additional financial services later this year. It currently offers custom branded cards with a mobile app and text alerts for customers who prefer mobile banking.

Digital challenger CARD: over 8,000 personalised prepaid cards

In addition, CARD customers can get their paycheques fast with Early Direct Deposit. Popular personalised cards include the NFL Players Association, consumer brands, TV shows, rock bands, artists and designers.

In total, CARD offers 8,000 personalised card designs.

Visa and Mastercard branded CARD prepaid cards are issued by The Bancorp Bank and Central Bank of Kansas City.

In April, CARD formed a strategic partnership with Meta, one of the founders of the prepaid industry in the US. Meta sponsors nearly half of all retail or non-bank ATMs in the US.

Источник: https://www.cardsinternational.com/news/us-digital-challenger-card/

Welcome to

Sioux Falls!

Concerts, plays, sculptures, cycling, parks, and hunting:
Sioux Falls offers something for everyone.

Sioux Falls has a number of venues that host a variety of cultural activities. The new Levitt at the Falls will hold 50 free concerts each summer, the Denny Sanford PREMIER Center hosts family shows and concerts in the region, including acts like Elton John, Cher, Jason Aldean, and Garth Brookes. The Orpheum Theater is a historic gem located in the heart of DTSF, it hosts plays, concerts, and dance performances. The Washington Pavilion of Arts and Sciences features a state-of-the-art performance hall, multi-use “black box” theater, an OMNI theater, visual arts galleries and a Science Discovery Center. The Sculpture Walk is one of Sioux Falls most unique cultural amenities. One of the largest year-round outdoor sculpture displays in the nation, this exciting exhibit features 57 new outdoor sculptures from artists around the world each year.

Источник: https://www.fallsfintech.com/

Nickel and dimed


CHRISTOPHER LEONARD THE ASSOCIATED PRESS 

HiFi

Trent Sorbe, Central Payments

On This Episode

Trent Sorbe joins the Financial Experience Podcast to discuss innovation in the fintech space, payment partnerships, and why banks should act like a toaster. Yes, a toaster. The comparison will make more sense after you tune in.

Our latest guest is the founder and president of Central Payments, the country’s fastest growing prepaid card issuer, and the co-founder of Falls Fintech, a 12-week accelerator program for fintech startups. Trent visualized Central Payments as a way to fuel bank growth while still connecting consumers who didn’t have full access to great financial products. The platform company was born after taking a focused look into improving banks’ payment infrastructure and how “to be essential” as a tech provider.

Falls Fintech was developed to make difficult partnerships easier and “connect the chasm” between banks and fintechs. The early-stage fintechs in each cohort are given opportunities beyond an investment – including an extensive education and a network of expertise during a high-stress period.

As they approach their fourth cohort, Trent shares a special interest in companies that fix a payment pain point, and he notices how product concepts have morphed over a short period of time with more companies offering non-card based solutions. He also talks about “real” Banking-as-a-Service and what it means to provide this type of solution to companies across the country.

In the coming years, Trent is excited to add feature functionality to the Central Payments platform to remain essential and relevant. He is also looking forward to building more dependable partnerships with companies searching for an enablement solution. Listen to the latest episode to hear more from Hunter and Trent on fintech innovation and the accelerator environment.

Listen To The Full Episode

The Financial Experience Podcast is available on Spotify, Apple, Google, and many of your other favorite streaming services.

More About Trent

Trent Sorbe is the President and Founder of Central Payments, the payments subsidiary of Central Bank of Kansas City.  He was an architect of Central Payments’ Open*CP Fintech API MarketplaceSM, one of the only true bank-as-a-service payment platforms and the technology responsible for Central Payments’ rise to the fastest growing prepaid card issuer since 2015.*

With more than 28 years of debit, credit, and prepaid payments experience, Trent is responsible for products garnering nine Paybefore Awards, three of which garnered Best in Class or Category.  He is also the inventor on 14 patents related to consumer financial services. Trent previously held senior positions at three nationwide payment card issuers and the FDIC. 

In 2016, Trent was named to the Consumer Financial Protection Bureau’s Community Bank Advisory Council and chaired the agency’s Cards, Payments, and Deposit Markets Committee. He is a co-founder of Falls Fintech, a startup accelerator program committed to bridging the bank-fintech partnership gap and sits on the Board of Directors for the Central Bank of Kansas City.

LinkedIn: linkedin.com/in/tsorbe

*Source: The Nilson Report, 2015 to 2019. 

Источник: https://hifiagency.com/ep-49-connecting-the-chasm-between-banks-and-fintech/

Central Bank Of Kansas City Prepaid Netteller Login

Can’t Login LinkedIn - How to Fix This Issue

You can not login Likedln because of some reasons such as linkedin login forgot email and password, you can not login to linkedin learning,... If you want to login linkedin as a recruiter, or to login linkedin different account,... this articles will help you. If you use LinkedIn for your company or business, it is critical that you check your account on a regular basis to ensure that you do not miss out on any opportunities that may arise. However, if you are unable to connect to your account due to platform troubles, this is a serious issue. The most common cause of LinkedIn login troubles is an erroneous or forgotten password, which results in users being locked out of their accounts. Other factors, such as a shaky network connection, faulty browsers, and third-party apps, should be taken into account while fixing this problem. As a result, we've chosen to write an in-depth guide of login linkedin learning on how to resolve LinkedIn login issues if your linkedin login problem today. In this article, you will get complete login linkedin learning to fix your issues. First of all, you must have to do linkedin login app download and then fix this issue if your linkedin login problem today. 1. Go to LinkedIn's servers and look around. Before you do anything on your end, check to see if LinkedIn's servers are up and running and linkedin login an unexpected error has occurred. You may verify LinkedIn's servers using third-party services like Downdetector. Downdetector shows the current status of website servers as well as the problems they've had in the last 24 hours. Unfortunately, if LinkedIn's servers are temporarily unavailable or linkedin login an unexpected error has occurred, we have no choice but to wait. Because the problem is on their end, whatever modifications or configurations you make on your end will not assist them to resolve the problem on their servers. Make sure to verify the status of their servers on a regular basis so you know when they're up and running. 2. Change the password on your LinkedIn account. As previously stated, the majority of LinkedIn login errors are caused by incorrect passwords being entered. Reset your LinkedIn password to guarantee that you are using the correct credentials for your account. For desktop users, see the instructions below on how to change your password. 1. Use your browser to access LinkedIn's login page. 2. Then, under the Password area, click the 'Forgot Password?' button. 3. Next, input your LinkedIn email address or phone number. After that, click the Find Account button. 4. Open your inbox and copy the LinkedIn verification code. 5. Finally, paste the code into LinkedIn and submit it. Set a new password for your account by following the on-screen prompts. If you're using a mobile device, however, use the instructions below to reset your password. 1. Open the LinkedIn app on your device by tapping on it. 2. Then, under the Password area, click the 'Forgot Password?' button. 3. Next, type in your LinkedIn account's email address or phone number. Then select Find Account from the drop-down menu. 4. Next, go to your inbox and copy the LinkedIn verification code. 5. To finish, paste the code into LinkedIn and click the Submit button. To assign a new password to your account, follow the on-screen steps. Return to the login page and try to enter your account again to see if the LinkedIn login troubles have been fixed. 3. Turn off all browser extensions. Before entering into your LinkedIn account, try removing any browser extensions that control your accounts. It's possible that your browser extension has an old password for your LinkedIn account, which causes the problem when you log in. Check out the instructions below to disable your browser extensions. 1. In your browser, go to the top-right corner of the screen and select Options. 2. Select Settings from the drop-down menu. 3. Now, from the side menu, select the Extensions option to open it. 4. Finally, turn off any browser extensions associated with the account or password management. After you've disabled your browser extensions, restart your browser and log in to your LinkedIn account to see if the issue has been resolved. 4. Disconnect from the VPN. VPN services are third-party software that assists you to increase your internet security. It works by masking your real IP address with a bogus one and redirecting most of your traffic to one of their servers located far away from you. VPNs are wonderful for keeping your connection secure, but they can often cause network issues. Because VPNs change your IP address, it's impossible to create a secure connection between your browser and LinkedIn's servers. If you're having trouble utilizing LinkedIn, try turning off your VPN to see if the problem goes away. 5. Attempt to use a different browser. Render engines like Webkit, Blink, and Gecko are used by web browsers to display the contents and functions of a website. These engines, on the other hand, do not interpret the codes on a website in the same manner. This means that a website can load and function normally in one browser, but will behave differently in another. If your usual browser won't let you access your LinkedIn account, try a different one. Use popular browsers such as Chrome, Firefox, and Opera, which are supported by the majority of web developers. 6. Reset and check your internet. It's likely that your network connection is inconsistent or slow if you're having trouble logging into LinkedIn. This indicates that your browser is experiencing difficulty connecting to LinkedIn's servers in order to authenticate your account credentials. To see if your network is the issue, run a basic speed test on Fast.com to see what your network's current upload and download speeds are. If the result suggests that the issue is with your network, try restarting your router to resolve the problem. To switch off your router, first, disconnect the power cable from the wall socket. Wait for 5 to 10 seconds before reconnecting the power cable to enable your router to cool down. Perform another speed test after restarting your router to verify if the problem with your network has been resolved. If your internet connection is still unreliable, we recommend contacting your ISP right away. 7. Delete the cache and cookies in your browser. Cookies and browsing cache are temporary data kept on your computer to help your browser work better. If you're having trouble using particular websites, such as LinkedIn, it's conceivable that your browser's data has become damaged. You might try deleting your browsing data to get rid of damaged files on your browser to repair this. 1. Press CTRL + H on your keyboard to access your browser's history. 2. Select Clear Browsing Data from the drop-down menu. 3. Then, next to 'Cookies and Other Site Data' and 'Cached Image and Files,' select the checkboxes. 4. Finally, pick 'All Time' from the drop-down menu below Time Range. To complete the process, click Clear Data and follow the on-screen directions. Return to LinkedIn's page after deleting your browsing data and try to access your account to see whether the problem has been resolved. 8. Make a DNS server change. One of the internet's backbones is the Domain Name Server or DNS. It's a technique for converting IP addresses of websites into separate words or domains. Without DNS, instead of typing Google.com, Facebook.com, or Saintlad.com, we would have to remember the long IP addresses of websites. If webpages aren't loading properly in your browser, it's possible that your default DNS server is down or having problems. Change your default DNS server to remedy this, which is covered in length in our instruction on how to change DNS servers. 9. Take a look at Hunter.io. Hunter.io is a great tool to use if you're cold-emailing to find possible partners and clients for your business. It's a browser plugin that lets you conduct domain searches to get contact information for the people behind a company. Aside from that, the application allows you to double-check specific email addresses to guarantee that you are sending an email to the correct person. Now is the time to start using Hunter.io to expand your business's possibilities! 10. Make contact with LinkedIn. Unfortunately, if you're still having trouble logging in to LinkedIn or linkedin login problem today, we recommend that you go to login linkedin company page or hire an expert to help you. Visit LinkedIn's Help Center to locate resources that may be able to assist you in resolving the problem. If none of the items on their page have helped you with your problem or login linkedin learning fails, you can contact their customer service through the help center.

Read More
Источник: https://www.loginask.com/central-bank-of-kansas-city-prepaid-netteller-login

Select Mobile Money Card

Cash, made more convenient

Select Mobile Money Prepaid Mastercard imageWith the Select Mobile MoneyTMPrepaid Mastercard®, your money is safe, easy to manage, and always there for you. It’s the convenience of cash, with the security and benefits of a card. Welcome everywhere Debit Mastercard is accepted, your Select Mobile Money Card can be used to:
  • Shop online, pay bills, buy groceries, gas, and more
  • Plan budgets and track spending online
  • Conveniently reload the card balance

Select Mobile Money Card Benefits:

  • Never wait in a check-cashing line
  • Sign up for customized SMS text alerts* 
  • 24 hour cash access at any ATM
  • Easy-to-use cardholder website
  • Assistance with tracking and managing finances
  • Ideal for budgeted spending
  • FDIC-insured through Central Bank of Kansas City
  • Can be linked to direct deposit
  • If lost or stolen, card will be replaced in full value

Our Select Mobile Money Card is great for:

  • High school students
  • College students
  • Travelers
  • Parents
  • Making safer online purchases
  • People using costly, non-bank payment options
  • Budget-conscious consumers

Visit yourlocal branchto sign up for your Select Mobile Money Prepaid MasterCard®.
Ask a representative about the schedule of fees and card details.

Frequently Asked Questions:

What is a Select Mobile Money Card and where can I use it?

The Select Mobile Money Card is a cost-effective alternative to carrying cash and paying check cashing fees. Because it is a pre-funded card, you only spend what money you load on it and you can typically get it without a credit check or bank account. You can use it to make purchases and pay bills everywhere Mastercard debit cards are accepted, including in stores, online or over the phone. Simply load it with the cash amount you choose. 

What other features and services are offered with the card?

The Select Mobile Money Card offers many value-added benefits including:

  • Text* and Email Alerts
  • Online Bill Pay
  • Card to Card Money Move
  • Card to Bank Money Move
  • Companion Cards

How do I add money onto my card?

After you register your Select Mobile Money Card, the best way to load money onto your card is to set up direct deposit of your paycheck. Take your card’s direct deposit information to your employer to have your paycheck automatically put onto your card each payday. Direct deposit information varies, so check your card packaging or contact Customer Service for more information on how to load via direct deposit. You can also add money by visiting any Central Bank branch. Ask any bank employee for more details.

*Standard message and data rates from your wireless service provider may apply.

The Select Mobile Money Prepaid Mastercard is issued by Central Bank of Kansas City, Member FDIC,  pursuant to license by Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of MasterCard International Incorporated. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the fee schedule. If you have any questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 1-866-484-1470, we are available 24/7/365.

Источник: https://www.centralbankkc.com/personal/select-mobile-money-card

American Conference Institute's 14th National Forum on Prepaid Card Compliance

TRENT SORBE is President, Central Payments Division of the Central Bank of Kansas City. He brings over twenty years of prepaid and consumer credit experience to Central Payments, the payments division of Central Bank of Kansas City.  In addition to his leadership and administration roles, Trent is actively involved in new product innovations, business development, and regulatory compliance.  As testament to his innovative approach to product development, Trent was the executive responsible for products garnering six Paybefore Awards, including Best in Class in 2008 and 2014, and he is the inventor on 14 patents for various processes and methods associated with consumer financial services. Trent’s career path includes senior positions at three nationwide payment card issuers and the FDIC.  He is also a Certified Risk Professional and Certified Regulatory Compliance Manager.

Источник: https://www.americanconference.com/prepaid-card-compliance-857l16-was/speakers/trent-sorbe/

Central bank of kansas city prepaid card -

HiFi

Trent Sorbe, Central Payments

On This Episode

Trent Sorbe joins the Financial Experience Podcast to discuss innovation in the fintech space, payment partnerships, and why banks should act like a toaster. Yes, a toaster. The comparison will make more sense after you tune in.

Our latest guest is the founder and president of Central Payments, the country’s fastest growing prepaid card issuer, and the co-founder of Falls Fintech, a 12-week accelerator program for fintech startups. Trent visualized Central Payments as a way to fuel bank growth while still connecting consumers who didn’t have full access to great financial products. The platform company was born after taking a focused look into improving banks’ payment infrastructure and how “to be essential” as a tech provider.

Falls Fintech was developed to make difficult partnerships easier and “connect the chasm” between banks and fintechs. The early-stage fintechs in each cohort are given opportunities beyond an investment – including an extensive education and a network of expertise during a high-stress period.

As they approach their fourth cohort, Trent shares a special interest in companies that fix a payment pain point, and he notices how product concepts have morphed over a short period of time with more companies offering non-card based solutions. He also talks about “real” Banking-as-a-Service and what it means to provide this type of solution to companies across the country.

In the coming years, Trent is excited to add feature functionality to the Central Payments platform to remain essential and relevant. He is also looking forward to building more dependable partnerships with companies searching for an enablement solution. Listen to the latest episode to hear more from Hunter and Trent on fintech innovation and the accelerator environment.

Listen To The Full Episode

The Financial Experience Podcast is available on Spotify, Apple, Google, and many of your other favorite streaming services.

More About Trent

Trent Sorbe is the President and Founder of Central Payments, the payments subsidiary of Central Bank of Kansas City.  He was an architect of Central Payments’ Open*CP Fintech API MarketplaceSM, one of the only true bank-as-a-service payment platforms and the technology responsible for Central Payments’ rise to the fastest growing prepaid card issuer since 2015.*

With more than 28 years of debit, credit, and prepaid payments experience, Trent is responsible for products garnering nine Paybefore Awards, three of which garnered Best in Class or Category.  He is also the inventor on 14 patents related to consumer financial services. Trent previously held senior positions at three nationwide payment card issuers and the FDIC. 

In 2016, Trent was named to the Consumer Financial Protection Bureau’s Community Bank Advisory Council and chaired the agency’s Cards, Payments, and Deposit Markets Committee. He is a co-founder of Falls Fintech, a startup accelerator program committed to bridging the bank-fintech partnership gap and sits on the Board of Directors for the Central Bank of Kansas City.

LinkedIn: linkedin.com/in/tsorbe

*Source: The Nilson Report, 2015 to 2019. 

Источник: https://hifiagency.com/ep-49-connecting-the-chasm-between-banks-and-fintech/

Select Mobile Money Card

Cash, made more convenient

Select Mobile Money Prepaid Mastercard imageWith the Select Mobile MoneyTMPrepaid Mastercard®, your money is safe, easy to manage, and always there for you. It’s the convenience of cash, with the security and benefits of a card. Welcome everywhere Debit Mastercard is accepted, your Select Mobile Money Card can be used to:
  • Shop online, pay bills, buy groceries, gas, and more
  • Plan budgets and track spending online
  • Conveniently reload the card balance

Select Mobile Money Card Benefits:

  • Never wait in a check-cashing line
  • Sign up for customized SMS text alerts* 
  • 24 hour cash access at any ATM
  • Easy-to-use cardholder website
  • Assistance with tracking and managing finances
  • Ideal for budgeted spending
  • FDIC-insured through Central Bank of Kansas City
  • Can be linked to direct deposit
  • If lost or stolen, card will be replaced in full value

Our Select Mobile Money Card is great for:

  • High school students
  • College students
  • Travelers
  • Parents
  • Making safer online purchases
  • People using costly, non-bank payment options
  • Budget-conscious consumers

Visit yourlocal branchto sign up for your Select Mobile Money Prepaid MasterCard®.
Ask a representative about the schedule of fees and card details.

Frequently Asked Questions:

What is a Select Mobile Money Card and where can I use it?

The Select Mobile Money Card is a cost-effective alternative to carrying cash and paying check cashing fees. Because it is a pre-funded card, you only spend what money you load on it and you can typically get it without a credit check or bank account. You can use it to make purchases and pay bills everywhere Mastercard debit cards are accepted, including in stores, online or over the phone. Simply load it with the cash amount you choose. 

What other features and services are offered with the card?

The Select Mobile Money Card offers many value-added benefits including:

  • Text* and Email Alerts
  • Online Bill Pay
  • Card to Card Money Move
  • Card to Bank Money Move
  • Companion Cards

How do I add money onto my card?

After you register your Select Mobile Money Card, the best way to load money onto your card is to set up direct deposit of your paycheck. Take your card’s direct deposit information to your employer to have your paycheck automatically put onto your card each payday. Direct deposit information varies, so check your card packaging or contact Customer Service for more information on how to load via direct deposit. You can also add money by visiting any Central Bank branch. Ask any bank employee for more details.

*Standard message and data rates from your wireless service provider may apply.

The Select Mobile Money Prepaid Mastercard is issued by Central Bank of Kansas City, Member FDIC,  pursuant to license by Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of MasterCard International Incorporated. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the fee schedule. If you have any questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 1-866-484-1470, we are available 24/7/365.

Источник: https://www.centralbankkc.com/personal/select-mobile-money-card

American Conference Institute's 14th National Forum on Prepaid Card Compliance

TRENT SORBE is President, Central Payments Division of the Central Bank of Kansas City. He brings over twenty years of prepaid and consumer credit experience to Central Payments, the payments division of Central Bank of Kansas City.  In addition to his leadership and administration roles, Trent is actively involved in new product innovations, business development, and regulatory compliance.  As testament to his innovative approach to product development, Trent was the executive responsible for products garnering six Paybefore Awards, including Best in Class in 2008 and 2014, and he is the inventor on 14 patents for various processes and methods associated with consumer financial services. Trent’s career path includes senior positions at three nationwide payment card issuers and the FDIC.  He is also a Certified Risk Professional and Certified Regulatory Compliance Manager.

Источник: https://www.americanconference.com/prepaid-card-compliance-857l16-was/speakers/trent-sorbe/

Digital challenger CARD customer numbers are on track to exceed 1.5 million by the end of the year.

Affinity branded prepaid issuer CARD says that it has now signed up over 600,000 new accounts. Moreover, customer deposits are now in excess of $3bn.

Year-over-year CARD customer acquisition is almost double the rate of last year.

Tim Coltrell, CEO, CARD says: “We’re really excited with customers’ acceptance of our brand partner images. This makes their mobile banking account unique and personal to them.

“At the same time, consumer banking has failed to keep up with the market’s changing needs. Our aim with our m-banking account is to make it easier for everyone and help customers attain their financial goals.”

Digital challenger CARD plans to introduce additional financial services later this year. It currently offers custom branded cards with a mobile app and text alerts for customers who prefer mobile banking.

Digital challenger CARD: over 8,000 personalised prepaid cards

In addition, CARD customers can get their paycheques fast with Early Direct Deposit. Popular personalised cards include the NFL Players Association, consumer brands, TV shows, rock bands, artists and designers.

In total, CARD offers 8,000 personalised card designs.

Visa and Mastercard branded CARD prepaid cards are issued by The Bancorp Bank and Central Bank of Kansas City.

In April, CARD formed a strategic partnership with Meta, one of the founders of the prepaid industry in the US. Meta sponsors nearly half of all retail or non-bank ATMs in the US.

Источник: https://www.cardsinternational.com/news/us-digital-challenger-card/
  The Pueblo Chieftain

For hundreds of thousands of workers losing their jobs during the recession, there's a new twist to their financial pain: Even as they're collecting unemployment benefits, they're paying bank fees just to get access to their money.

Thirty states have struck such deals with banks that include Citigroup Inc., Bank of America Corp., JPMorgan Chase (in Colorado) and US Bancorp, an Associated Press review of the agreements found. All the programs carry fees, and in several states the unemployed have no choice but to use the debit cards. Some banks even charge overdraft fees of up to $20 - even though they could decline charges for more than what's on the card.

''It's a racket. It's a scam,'' said Rachel Davis, a 38-year-old dental technician from St. Louis who was laid off in October. Davis was given a MasterCard issued through Central Bank of Jefferson City and recently paid $6 to make two $40 withdrawals.

The banks say their programs offer convenience. They also provide at least one way to tap the money at no charge, such as using a single free withdrawal to get all the cash at once from a bank teller.

But the banks benefit from human nature, as people end up treating the cards like all the other plastic in their wallets.

The fees are raising questions from lawmakers who just recently voted to infuse banks with taxpayer money to keep them afloat.

Rep. Carolyn Maloney, D-N.Y., a member of the House Financial Services Committee, said the situation points to ''yet another example of how we need to regulate the ways in which banks charge overdraft and other fees.''

''Banks, particularly ones that have received federal help, should not be imposing endless fees and charges on the unemployed in this time of economic crisis,'' said Maloney, who has written a bill to require that consumers be notified at the point of sale if they're about to incur overdraft fees.

Some banks, depending on the agreement negotiated with each state, also make money on the interest they earn after the state deposits the money and before it's spent. The banks and credit card companies also get roughly 1 to 3 percent off the top of each transaction made with the cards.

Neither banks nor credit card companies will say how much money they are making off the programs, or what proportion of the revenue comes from user versus merchant fees or interest. It's difficult to estimate the profits because they depend on how often recipients use their cards and where they use them.

But the potential is clear.

In Missouri, for instance, 94,883 people claimed unemployment benefits through debit cards from Central Bank. Analysts say a recipient uses a card an average of six to 10 times a month. If each cardholder makes three withdrawals at an out-of-network ATM, at a fee of $1.75, the bank would collect nearly $500,000. If half of the cardholders also dial customer service three times in any given week (the first time is free; after that, it's 25 cents a call), the bank's revenue would jump to more than $521,000. That would yield $6.3 million a year.

Rachel Storch, a Democratic state representative, received a wave of complaints about the fees from autoworkers laid off from a suburban St. Louis Chrysler plant. She recently urged Gov. Jay Nixon to review the state's contract with Central Bank with an eye toward reducing the fees.

''I think the contract is unfair and potentially illegal to unemployment recipients,'' she said.

Central Bank did not return two messages seeking comment.

Glenn Campbell, a spokesman for Rep. Russ Carnahan, D-Mo., said the congressman would support a review of the debit card programs nationwide.

Another 10 states - including the unemployment hot spots of California, Florida and South Carolina - are considering such programs or have signed contracts. The remainder still use traditional checks or direct deposit.

With the national unemployment rate now at 7.6 percent, the market for bank-issued unemployment cards is booming. In 2003, states paid only $4 million of unemployment insurance through debit cards. By 2007, it had ballooned to $2.8 billion, and by 2010 it will likely rise to $10.5 billion, according to a study conducted by Mercator Advisory Group, a financial industry consulting firm.

The economic stimulus plan signed by President Barack Obama this week will increase federal unemployment benefits by $40 billion this year. Subsequently, there will be more money from which banks can collect fees. The U.S. Department of Labor allows the fees as long as states create a way for recipients to get their money for free, spokeswoman Suzy Bohnert said.

''Beyond that, the individual decides how to manage his drawdowns using the debit card,'' she said in an e-mail.

A typical contract looks like the agreement between Citigroup and the state of Kansas, which took effect in November. The state expects to save $300,000 a year by wiring payments to Citigroup instead of printing and mailing checks.

Citigroup's bill to the state: zero. The bank collects its revenue from fees paid by merchants and the unemployed.

''If you use your card the right way, you're not going to pay fees at all,'' said Paul Simpson, Citigroup's global head of public sector, health care and wholesale cards.

But that's not always practical.

Arthur Santa-Maria, a laid-off engineer who lives just outside Albuquerque, N.M., said he didn't pay any fees the first time he was laid off, for several months in 2007. His unemployment benefits were paid by paper checks. He found a new job last year but was laid off again last fall.

This time, he was issued a Bank of America debit card - a ''prepaid'' card in industry lingo - but he was surprised to learn he had to pay fees to get his money. He asked the bank to waive them. It said no. That's when Santa-Maria called back to ask how to check his account online. He logged on and saw that the call cost him a half dollar. To avoid more fees, Santa-Maria found a Bank of America ATM at a strip mall and withdrew $80 at no charge. When he got back to his car, he decided to take out the rest of his money - $250 - and deposit it in his bank account.

Afterward, Santa-Maria logged on to his account and saw a charge of $1.50 for two withdrawals in one day.

''They're trying to use my money to make money,'' Santa-Maria said. ''I just see banks trying to make that 50 cents or a buck and a half when I should be given the service for free.''

New Mexico authorities bargained with Bank of America to get lower fees for unemployment recipients, said Carrie Moritomo, a spokeswoman for the state Department of Workforce Solutions. The state saves up to $1.5 million annually by switching from checks to debit cards.

Bank of America spokeswoman Britney Sheehan pointed out that the fees charged in New Mexico are similar to those charged in the 29 other states with unemployment debit cards. The bank believes ''the fee schedule is reasonable and consistent with similar programs,'' she said.

Banks could issue unemployment debit cards with no fees for cardholders, but that would likely mean that states would have to pay more of the administrative costs, said Mark Harrington, director of marketing for Citigroup's prepaid card services. If a state demanded no cardholder fees and could pay the difference, Citigroup might enter such a contract.

''We would be open to that,'' Harrington said. ''We're not looking to structure any programs where we would lose money, but we're definitely flexible.''

Simpson noted that the cards can save money for jobless workers who have no bank accounts. In the past, these people had to use corner check-cashing shops that charged fees as high as 2 percent, or $6 for a $300 check. Now, they can swipe their cards at McDonald's, Wal-Mart or elsewhere for free.

Kenna Gortler, a laid-off paper mill worker in Oregon, said her union is advising members to avoid the debit cards and sign up to get their benefits through direct deposit. More than 300 of her fellow workers have lost their jobs at the mill in the last three months, and horror stories about ATM fees and overdraft charges are starting to filter back to others who are just now signing up for their benefits.

''It's discouraging,'' Gortler said. ''People have limited funds and they don't need to be giving money to the banks. They need to be keeping that money to feed their families and pay bills.''

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Источник: https://www.chieftain.com/story/business/2009/02/21/nickel-dimed/8698269007/

Frequently asked questions

Dayforce Wallet is a program provided by Ceridian that allows employers to offer their employees new ways to access their pay, including on-demand. When employers offer on-demand pay*, employees can access their pay as soon as it is earned, without waiting for their standard payday.

Participating employees may access their pay through a Dayforce Prepaid Mastercard®, which is easily managed through the free Dayforce Wallet mobile app1. Signing up for the Dayforce Card does not impact credit scores, as the Dayforce Card is not a credit card and there is no credit check. Since it’s a prepaid card, only the available balance can be used.

Once funds have been loaded to the Card, it can be used for purchases everywhere Debit Mastercard is accepted, to pay bills, to withdraw cash at ATMs, and to get “cash back” at retail stores during PIN purchase transactions. The mobile app can also be used to transfer funds.

Источник: https://www.dayforcewallet.com/faq

Frequently asked questions

Dayforce Wallet is a program provided by Ceridian that allows employers to offer their employees new ways to access their pay, including on-demand. When employers offer on-demand pay*, employees can access their pay as soon as it is earned, without waiting for their standard payday.

Participating employees may access their pay through a Dayforce Prepaid Mastercard®, which is easily managed through the free Dayforce Wallet mobile app1. Signing up for the Dayforce Card does not impact credit scores, as the Dayforce Card is not a credit card and there is no credit check. Since it’s a prepaid card, only the available balance can be used.

Once funds have been loaded to the Card, it can be used for purchases everywhere Debit Mastercard is accepted, to pay bills, to withdraw cash at ATMs, and to get “cash back” at retail stores during PIN purchase transactions. The mobile app can also be used to transfer funds.

Источник: https://www.dayforcewallet.com/faq

Select Mobile Money Card

Cash, made more convenient

Select Mobile Money Prepaid Mastercard imageWith the Select Mobile MoneyTMPrepaid Mastercard®, your money is central bank of kansas city prepaid card, easy to manage, and always there for you. It’s the convenience of cash, with the security and benefits of a card. Welcome everywhere Debit Mastercard is accepted, your Select Mobile Money Card can be used to:
  • Shop online, pay bills, buy groceries, gas, and more
  • Plan budgets and track spending online
  • Conveniently reload the card balance

Select Mobile Money Card Benefits:

  • Never wait in a check-cashing line
  • Sign up for customized SMS text alerts* 
  • 24 hour cash access at any ATM
  • Easy-to-use cardholder website
  • Assistance with tracking and managing finances
  • Ideal for budgeted spending
  • FDIC-insured through Central Bank of Kansas City
  • Can be linked to direct deposit
  • If lost or stolen, card will be replaced in full value

Our Select Mobile Money Card is great for:

  • High school students
  • College students
  • Travelers
  • Parents
  • Making safer online purchases
  • People using costly, non-bank payment options
  • Budget-conscious consumers

Visit yourlocal branchto sign up for your Select Mobile Money Prepaid MasterCard®.
Ask a representative about the schedule of fees and card details.

Frequently Asked Questions:

What is a Select Mobile Money Card and where can I use it?

The Select Mobile Money Card is a cost-effective alternative to carrying central bank of kansas city prepaid card and paying check cashing fees. Because it is a pre-funded card, you only spend what money you load on it and you can typically get it without a credit check or bank account. You can use it to make purchases and pay bills everywhere Mastercard debit cards are accepted, including in stores, online or over the phone. Simply load it with the cash amount you choose. 

What other features and services are offered with the card?

The Select Mobile Money Card offers many value-added benefits including:

  • Text* and Email Alerts
  • Online Bill Pay
  • Card to Card Money Move
  • Card to Bank Money Move
  • Companion Cards

How do I add money onto my card?

After you register your Select Mobile Money Card, the best way to load money onto your card is to set up direct deposit of your paycheck. Take your card’s direct deposit information to your employer to have your paycheck automatically put onto your card each payday. Direct deposit information varies, so check your card packaging or contact Customer Service for more information on how to load via direct deposit. You can also add money by visiting any Central Bank branch. Ask any bank employee for more details.

*Standard message and data rates from your wireless service provider may apply.

The Select Mobile Money Prepaid Mastercard is issued by Central Bank of Kansas City, Member FDIC,  pursuant to license by Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks lgi homes for sale in houston tx MasterCard International Incorporated. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the fee schedule. If you have any questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 1-866-484-1470, we are available 24/7/365.

Источник: https://www.centralbankkc.com/personal/select-mobile-money-card

Central Bank Of Kansas City Prepaid Netteller Login

Can’t Login LinkedIn - How to Fix This Issue

You can not login Likedln because of some reasons such as linkedin login forgot email and password, you can amazon photos upload login to linkedin learning. If you want to login linkedin as a recruiter, or to login linkedin different account. this articles will help you. If you use LinkedIn for your company or business, it is critical that you check your account on a regular basis to ensure that you do not miss out on any opportunities that may arise. However, if you are unable to midfirst bank 65th and bell to your account due to platform troubles, this is a serious issue. The most common cause of LinkedIn login troubles is an erroneous or forgotten password, which private party car loan chase in users being locked out of their accounts. Other factors, such as a shaky network connection, faulty browsers, and third-party apps, should be taken into account while fixing this problem. As a result, we've chosen to write an in-depth guide of login linkedin learning on how to resolve LinkedIn login issues if your linkedin login problem today. In this article, you will get complete login linkedin learning to fix your issues. First central bank of kansas city prepaid card all, you must have to do linkedin login app download and then fix this issue if your linkedin login problem today. 1. Go to LinkedIn's servers and look around. Before you do anything on your end, check to see if LinkedIn's servers are up and running and linkedin login an unexpected error has occurred. You may verify LinkedIn's servers using third-party services like Downdetector. Downdetector shows the current status of website servers as well as the problems they've had in the last 24 hours. Unfortunately, if LinkedIn's servers are temporarily unavailable or linkedin login an unexpected error has occurred, we have no choice but to wait. Because the problem is on their end, whatever modifications or configurations you make on your end will not assist them to resolve the problem on their servers. Make sure to verify the status of their servers on a regular basis so you know when they're up and running. 2. Change the password on your LinkedIn account. As previously stated, the majority of LinkedIn login errors are caused by incorrect passwords being entered. Reset your LinkedIn password to guarantee that you are using the correct credentials for your account. For desktop users, see the instructions below on how to change your password. 1. Use your browser to wells fargo home mortgage modification phone number LinkedIn's login page. 2. Then, under the Password area, click the 'Forgot Password?' button. 3. Next, input your LinkedIn email address or phone number. After that, click the Find Account button. 4. Open your inbox and copy the LinkedIn verification code. 5. Finally, paste the code into LinkedIn and submit it. Set a new password for your account by following the on-screen prompts. If you're using a mobile device, however, use the instructions below to reset your password. 1. Open the LinkedIn app central bank of kansas city prepaid card your device by tapping on it. 2. Then, under the Password area, click the 'Forgot Password?' button. 3. Next, type in your LinkedIn account's email address or phone number. Then select Find Account from the drop-down menu. 4. Next, go to your inbox and copy the LinkedIn verification code. 5. To finish, paste the code into LinkedIn and click the Submit button. To assign a new password to your account, follow the on-screen steps. Return to the login page and try to enter your account again to see if the LinkedIn login troubles have been fixed. 3. Turn off all browser extensions. Before entering into your LinkedIn account, try removing any browser extensions that control your accounts. It's possible that your browser extension has an old password for your LinkedIn account, which causes the problem when you log in. Check out the instructions below to disable your browser extensions. 1. In your browser, go to the top-right corner of the screen and select Options. 2. Select Settings from the drop-down menu. 3. Now, from the side menu, select the Extensions option to open it. 4. Finally, turn off any browser extensions associated with the account or password management. After you've disabled your browser extensions, restart your browser and log in to central bank of kansas city prepaid card LinkedIn account to see if the issue has been resolved. 4. Disconnect from the VPN. VPN services are third-party software that assists you to increase your internet security. It works by masking your real IP address with a bogus one and redirecting most of your traffic to one of their servers located far away from you. VPNs are wonderful for keeping your connection secure, but they can often cause network issues. Because VPNs change your IP address, it's impossible to create a secure connection between your browser and LinkedIn's servers. If you're having trouble utilizing LinkedIn, try turning off your VPN to see if the problem goes away. 5. Attempt to use a different browser. Render engines like Webkit, Blink, and Gecko are used by web browsers to display the contents and functions of a website. These engines, on the other hand, do not interpret the codes on a website in the same manner. This means that a website can load and function normally in one browser, but will behave differently in another. If your usual browser won't let you access your LinkedIn account, try a different one. Use popular browsers such as Chrome, Firefox, and Opera, which are supported by the majority of web developers. 6. Reset and check your internet. It's likely that your network connection is inconsistent or slow if you're having trouble logging into LinkedIn. This indicates that your browser is experiencing difficulty connecting to LinkedIn's servers in order to authenticate your account credentials. To see if your network is the issue, run a basic speed test on Fast.com to see what your network's current upload and download speeds are. If the result suggests that the issue is with your network, try restarting your router to resolve the problem. To switch off your router, first, disconnect the power cable from the wall socket. Wait for 5 to 10 seconds before reconnecting the power cable to enable your router to cool down. Perform another speed test after restarting your router to verify if the problem with your network has been resolved. If your internet connection is still unreliable, we recommend contacting your ISP right away. 7. Delete the cache and cookies in your browser. Cookies and browsing cache are temporary data kept on your computer to help your browser work better. If you're having trouble using particular websites, such as LinkedIn, it's conceivable that your browser's data has become damaged. You might try deleting your browsing data to get rid of damaged files on your browser to repair this. 1. Press CTRL + H on your keyboard to access your browser's history. 2. Select Clear Browsing Data from the drop-down menu. 3. Then, next to 'Cookies and Other Site Data' and 'Cached Image and Files,' select the checkboxes. 4. Finally, pick 'All Time' from the drop-down menu below Time Range. To complete the process, click Clear Data and follow the on-screen directions. Return to LinkedIn's page after deleting your browsing data and try to access your account to see whether the problem has been resolved. 8. Make a DNS server change. One of the internet's backbones is the Domain Name Server or DNS. It's a technique for converting IP addresses of websites into separate words or domains. Without DNS, instead of typing Google.com, Facebook.com, or Saintlad.com, we would have to remember the long IP addresses of websites. If webpages aren't loading properly in your browser, it's possible that your default DNS server is down or having problems. Change your default DNS server to remedy this, which is covered in length in our instruction on how to change DNS servers. 9. Take a look at Hunter.io. Hunter.io is a great tool to use if you're cold-emailing to find possible partners and clients for your business. It's a browser plugin that lets you conduct domain searches to get contact information for the people behind a company. Aside from central bank of kansas city prepaid card, the application allows you to double-check specific email addresses to guarantee that you are sending an email to the correct person. Now is the time to start using Hunter.io to expand your business's possibilities! 10. Make contact with LinkedIn. Unfortunately, if you're still having trouble logging in to LinkedIn or linkedin login problem today, we recommend that you go to login linkedin company page or hire an expert to help you. Visit LinkedIn's Help Center to locate resources that may be able to assist you in resolving the problem. If none of the items on their page have helped you with your problem or login linkedin learning fails, you can contact their customer service through the help center.

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Источник: https://www.loginask.com/central-bank-of-kansas-city-prepaid-netteller-login

Welcome to

Sioux Falls!

Concerts, plays, sculptures, cycling, parks, and hunting:
Sioux Falls offers something for everyone.

Sioux Falls has a number of venues that host a variety of cultural activities. The new Levitt at the Falls will hold 50 free concerts each summer, the Denny Sanford PREMIER Center hosts family shows and concerts in the region, including acts like Elton John, Cher, Jason Aldean, and Garth Brookes. The Orpheum Online t shirt design website is a historic gem located in the heart of DTSF, it hosts plays, concerts, and dance performances. The Washington Pavilion of Arts and Sciences features a state-of-the-art performance hall, multi-use “black box” theater, an OMNI theater, visual arts galleries and a Science Discovery Center. The Sculpture Walk is one of Sioux Falls most unique cultural amenities. One of the largest year-round outdoor sculpture displays in the nation, this exciting exhibit features 57 new outdoor sculptures from artists around central bank of kansas city prepaid card world each year.

Источник: https://www.fallsfintech.com/

HiFi

Trent Sorbe, Central Payments

On This Episode

Trent Sorbe joins the Financial Experience Podcast to discuss innovation in the fintech space, payment partnerships, and why banks bmo harris bank branches act like a toaster. Yes, a toaster. The comparison will make more sense after you tune in.

Our latest guest is the central bank of kansas city prepaid card and president of Central Payments, the country’s fastest growing prepaid card issuer, and the co-founder of Falls Fintech, a 12-week accelerator program for fintech startups. Trent visualized Central Payments as a way to fuel bank growth while still connecting consumers who didn’t have full access to great financial products. The platform company was born after taking a focused look into improving banks’ payment infrastructure and how “to be essential” as a tech provider.

Falls Fintech was developed to make difficult partnerships easier and “connect the chasm” between banks and fintechs. The early-stage fintechs in each cohort are given opportunities beyond an investment – including an extensive education and a network of expertise during a high-stress period.

As they approach their fourth cohort, Trent shares a special interest in companies that fix a payment pain point, and he notices how product concepts have keycorp press release over a short period of time with more companies offering non-card based solutions. He also talks about “real” Banking-as-a-Service and what it means to provide this type of solution to companies across the country.

In the coming years, Trent is excited to add feature functionality to the Central Payments platform to remain essential and relevant. He is also looking forward to building more dependable partnerships with companies searching for an enablement solution. Listen to the wells fargo bank personal and business episode to hear more from Hunter and Trent on fintech innovation and the accelerator environment.

Listen To The Full Episode

The Financial Experience Podcast is available on Spotify, Apple, Google, and many of your other favorite streaming services.

More About Trent

Trent Sorbe is the President and Founder of Central Payments, the payments subsidiary of Central Bank of Kansas City.  He was an architect of Central Payments’ Open*CP Central bank of kansas city prepaid card API MarketplaceSM, one of the only true bank-as-a-service payment platforms and the technology responsible for Central Payments’ rise to the fastest growing prepaid card issuer since 2015.*

With more than 28 years of debit, credit, and prepaid payments experience, Trent is responsible for products garnering nine Paybefore Awards, three of which garnered Best in Class or Category.  He is also the inventor on 14 patents related to consumer financial services. Trent previously held senior positions at three nationwide payment card issuers and the FDIC. 

In 2016, Trent was named to the Consumer Financial Protection Bureau’s Community Bank Advisory Council and chaired the agency’s Cards, Payments, and Deposit Markets Committee. He is a co-founder of Falls Fintech, a startup accelerator program committed to bridging the bank-fintech partnership gap and sits on the Board of Directors for the Central Bank of Kansas City.

LinkedIn: linkedin.com/in/tsorbe

*Source: The Nilson Report, 2015 to 2019. 

Источник: https://hifiagency.com/ep-49-connecting-the-chasm-between-banks-and-fintech/
  The Pueblo Chieftain

For hundreds of thousands of workers losing their jobs during the recession, there's a new twist to their financial pain: Even as they're collecting unemployment benefits, they're paying bank fees just to get access to their money.

Thirty states have struck such deals fcf formula cfa level 2 banks that include Citigroup Inc., Bank of America Corp., JPMorgan Chase (in Colorado) and US Bancorp, an Associated Press review of the agreements found. All the programs carry fees, and in several states the unemployed have no choice but to use the debit cards. Some banks even charge overdraft fees of up to $20 - even though they could decline charges for more than what's on the card.

''It's a racket. It's a scam,'' said Rachel Davis, a 38-year-old dental technician from St. Louis who was laid off in October. Davis was given a MasterCard issued through Central Bank of Jefferson City and recently paid $6 to make two $40 withdrawals.

The banks say their programs offer convenience. They also provide at least one way to tap the money at no charge, such as using a single free withdrawal to get all the cash at once from a bank teller.

But the banks benefit from human nature, as people end up treating the cards like all the other plastic in their wallets.

The fees are raising questions from lawmakers who just recently voted to infuse banks with taxpayer money to keep them afloat.

Rep. Carolyn Maloney, D-N.Y., a member of the House Financial Services Committee, said the situation points to ''yet another example of how we need to regulate the ways in which banks charge overdraft and other fees.''

''Banks, particularly ones that have received federal help, should not be imposing endless fees and charges on the unemployed in this time of economic crisis,'' said Maloney, who has written a bill to require that consumers be notified at the point of sale if they're about to incur overdraft fees.

Some banks, depending on the agreement negotiated with each state, also make money on the interest they earn after the state deposits the money and before it's spent. The banks and credit card companies also get roughly 1 to 3 percent off the top of each transaction made with the cards.

Neither banks nor credit card companies will say how much money they are making off the programs, or what proportion of the revenue comes from user versus merchant fees or interest. It's difficult to estimate the profits because they depend on how often recipients use their cards and where they use them.

But the potential is clear.

In Missouri, for instance, 94,883 people claimed unemployment benefits through debit cards from Central Bank. Analysts say a recipient uses a card an average of six to 10 times a month. If each cardholder makes three withdrawals at an out-of-network ATM, at a fee of $1.75, the bank would collect nearly $500,000. If half of the cardholders also dial customer service three times in any given week (the first time is free; after that, it's 25 cents a call), the bank's revenue would jump to more than $521,000. That would yield $6.3 million a year.

Rachel Storch, a Democratic state central bank of kansas city prepaid card, received a wave of complaints about the fees from autoworkers laid off from a suburban St. Louis Chrysler plant. She recently urged Gov. Jay Nixon to review the state's contract with Central Bank with an eye toward reducing the fees.

''I think the contract is unfair and potentially illegal to unemployment recipients,'' she said.

Central Bank did not return two messages seeking comment.

Glenn Campbell, a spokesman for Rep. Russ Carnahan, D-Mo., said the congressman would support a review of the debit card programs nationwide.

Another 10 states - including the unemployment hot spots of California, Florida and South Carolina - are considering such programs or have signed contracts. The remainder still use traditional checks or direct deposit.

With the national unemployment rate now at 7.6 percent, the market for bank-issued unemployment cards is booming. In 2003, states paid only $4 million of unemployment insurance through debit cards. By 2007, it had ballooned to $2.8 billion, and by 2010 it will likely rise to $10.5 billion, according to a study conducted by Mercator Advisory Group, a financial industry consulting firm.

The economic stimulus plan signed by President Barack Obama this week will increase federal unemployment benefits by $40 billion this year. Subsequently, there will be more money from which banks can collect fees. The U.S. Department of Labor allows the fees as long as states create a way for recipients to get their money for free, spokeswoman Suzy Bohnert said.

''Beyond that, the individual decides how to manage his drawdowns using the debit card,'' she said in an e-mail.

A typical contract looks like the agreement between Citigroup and the state of Kansas, which took effect in November. The state expects to save $300,000 a year by wiring payments to Citigroup instead of printing and mailing checks.

Citigroup's bill to the state: zero. The bank collects its revenue from fees paid by merchants and the unemployed.

''If you use your card the right way, you're not going to pay fees at all,'' said Paul Simpson, Citigroup's global head of public sector, health care and wholesale cards.

But that's not always practical.

Arthur Santa-Maria, a laid-off engineer who lives just outside Albuquerque, N.M., said he didn't pay any fees the first time he was laid off, for several months in 2007. His unemployment benefits were paid by paper checks. He found a new job last year but was laid off again last fall.

This time, he was issued a Bank of America debit card - a ''prepaid'' card in industry lingo - but he southwest rapid rewards chase credit card login surprised to learn he had to pay fees to get his money. He asked the bank to waive them. It said no. That's when Santa-Maria called back to ask how to check his account online. He logged on and saw that the call cost him a half dollar. To avoid more fees, Santa-Maria found a Bank of America ATM at a strip mall and withdrew $80 at no charge. When he got back to his car, he decided to take out the rest of his money - $250 - and deposit it in his bank account.

Afterward, Santa-Maria logged on to his account and saw a charge of $1.50 for two withdrawals in one day.

''They're trying to use my money to make money,'' Santa-Maria said. ''I just see banks trying to make that 50 cents or a buck and a half when I should be given the service for free.''

New Mexico authorities bargained with Bank of America to get lower fees for unemployment recipients, said Carrie Moritomo, a spokeswoman for the state Department of Workforce Solutions. The state saves up to $1.5 million annually by switching from checks to debit cards.

Bank of America spokeswoman Britney Sheehan pointed out that the fees charged in New Mexico are similar to those charged in the 29 other states with unemployment debit cards. The bank believes ''the fee schedule is reasonable and consistent with similar programs,'' she said.

Banks could issue unemployment debit cards with no fees for cardholders, but that would likely mean that states would have to pay more of the administrative costs, said Mark Harrington, director of marketing for Citigroup's prepaid card services. If a state demanded no cardholder fees and could pay the difference, Citigroup might enter such a contract.

''We would be open to that,'' Harrington said. ''We're not looking to structure any programs where we would lose money, but we're definitely flexible.''

Simpson noted that the cards can save money for jobless workers who have no bank accounts. In the past, these people had to use corner check-cashing shops that charged fees as high as 2 percent, or $6 for a $300 check. Now, they can swipe their cards at McDonald's, Wal-Mart or elsewhere for free.

Kenna Gortler, a laid-off paper mill worker in Oregon, said her union is advising members to avoid the debit cards and sign up to get their benefits through direct deposit. More than 300 of her fellow workers have lost their jobs at the mill in the last three months, and horror stories about ATM fees and overdraft charges are starting to filter back to others who are just now signing up for their benefits.

''It's discouraging,'' Gortler said. ''People have limited funds and they don't need to be giving money to the banks. They need to be keeping that money to feed their families and pay bills.''

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Источник: https://www.chieftain.com/story/business/2009/02/21/nickel-dimed/8698269007/

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