 BANK FREEDOM PREPAID DEBIT CARD FAQs
Bank Freedom Prepaid MasterCard allows you to make purchases and manage your money with ease. Your Bank Freedom Prepaid Debit Card is guaranteed approved*, safer than cash, accepted everywhere MasterCard debit is accepted, and your key to gaining financial freedom. Click Here to Get your Prepaid Card now!
- What is a Bank Freedom prepaid debit card?
- Is it a credit card?
- How can I get a Bank Freedom prepaid debit card?
- My credit is bad. What if I have been turned down when I applied for a credit or debit card before?
- How does my Bank Freedom prepaid debit card work?
- Do I need a PIN (Personal Identification Number) to use my Bank Freedom prepaid debit card?
- How to start using my Bank Freedom prepaid debit card?
- Whom can I call if I have questions about Bank Freedom pre paid debit cards?
- How do I check my Bank Freedom pre paid debit card balance?
- What happens if my Bank Freedom pre paid debit card is lost or stolen?
- Can I add more money to my Bank Freedom pre paid debit card?
- Can I get a second Bank Freedom pre paid debit card a family member?
- Can someone use my Bank Freedom pre paid debit card if I say it is ok?
- How do I sign up for direct deposit after I get my Bank Freedom pre paid card?
- Do I have to pay fees for using my Bank Freedom pre paid debit card?
- Can the Bank Freedom pre paid debit card be overdrawn?
- Can I use my Bank Freedom prepaid card and cash to pay for something that is more than I have in my card’s account?
- If I move after I get my prepaid card, who do I contact?
1. What are prepaid debit cards?
Prepaid debit cards are reloadable (add money repeatedly) debit card that allow you to only spend up to the amount you have pre-deposited into the account. If you tend to overspend or would like to control your spending then prepaid debit cards could be a good card for you.
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2. Is it a credit card?
No, it is more like a bankcard or a check card. You can use it at stores to pay for the things you buy. However, you can use only the amount that has been deposited into your card’s account. For example, if you have $75 in your card’s account, you can only buy $75 worth of items.
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3. How can I get a Bank Freedom prepaid debit card?
Prepaid debit cards are available at www.BankFreedom.com. We recommend the Bank Freedom Prepaid MasterCard for their no-cost activation, guaranteed approval, and low transaction fees. Go to www.BankFreedom.com to enroll for your prepaid debit card.
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4. My credit is bad. What if I have been turned down when I applied for a credit or debit card before?
Credit scores, employment, and banking history are not considered when enrolling for prepaid debit cards. All you need is a valid identification and a current address.
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5. How do prepaid debit cards work?
First you must apply for a prepaid debit card (go to www.BankFreedom.com to enroll). When you receive your card, you have several options to “load” money onto the card. They include:
- Cash load at a retail location – Green Dot and MoneyGram offer services that allow you to put money on your prepaid debit card. Simply go to a Green Dot retailer (find one here http://www.bankfreedom.com/loadcenter.html ) and purchase a MoneyPak. Follow the instructions on the MoneyPak to load up to $500 cash on your prepaid debit card.
- Direct Deposit – You can have payroll, government benefits, or child support check directly deposited on your prepaid debit card.
- Online – Most prepaid debit cards offer money loading from a connected bank account. Go to www.BankFreedom.com and click “Account Login” to access and set up a linked bank account. Once established, you can move money from your bank account to your card.
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6. Do I need a PIN (Personal Identification Number) to use prepaid debit cards?
You do not need a PIN to buy items if the store has you sign the receipt. Some stores require a PIN instead of your signature. You need to use a PIN to get cash at ATMs. You will choose your own PIN when you call to activate your prepaid debit card.
You will get complete instructions with the card when it is mailed to you.
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7. What do I need to do to start using my prepaid debit card?
After receiving your card in the mail, you need to call the Bank Freedom customer service number 877-237-6262 to activate your prepaid debit card. You cannot use your prepaid debit card until you activate it. This step protects you if your mail is lost or stolen. When you get your card, you will also get information on how to activate your prepaid debit card. The phone number to activate your card will be on the back of the card.
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8. Whom can I call if I have questions about my Bank Freedom prepaid debit card?
You can call Bank Freedom customer service at 877-237-6262 (toll free), 24 hours/day. This phone number will be on the back of your prepaid debit card. Please do not call this number until after you get your Bank Freedom prepaid card. Bank Freedom cannot answer any questions about your prepaid debit cards until you receive your card.
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9. How will I know how much is in my Bank Freedom prepaid debit card account?
You can get your current balance 3 ways:
- View your account online at www.BankFreedom.com - FREE
- Call Bank Freedom at our toll-free phone number 1-877-237-6262. (The phone number is on the back of your card.) - FREE
- Check your balance on an ATM machine near you (may be a charge by ATM owner).
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10. What happens if my Bank Freedom prepaid debit card is lost or stolen?
You must call bank Freedom at their toll-free number (1-877-237-6262) to report a lost or stolen card within 60 days. They will send you a new card.
You will not be responsible for any fraudulent activity/purchases that occur on your card if you report the card missing within 60 days, and if you have not shared your prepaid debit card or PIN number with anyone. Prepaid debit cards used fraudulently may be permanently closed.
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11. Can I add more money to my Bank Freedom prepaid debit card?
Yes. Please click here to see the list of options for adding money to your prepaid debit card.
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12. Can I get a second prepaid debit card for a family member?
Yes. Go to www.BankFreedom.com and have them enroll in the prepaid debit card program. They must have valid ID and a verified mailing address (no PO boxes).
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13. Can someone use my Bank Freedom prepaid debit card if I say it is ok?
You should never let anyone else use your prepaid card. You should never tell someone else your PIN. If you do, you could lose protection if your card is lost or stolen.
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14. How do I sign up for direct deposit after I get my Bank Freedom prepaid debit card?
If you want to switch to direct deposit, you should fill out the Direct Deposit form and give it to your employer. Future payroll deposits will be added to your prepaid debit card. Go to www.BankFreedom.com/directdeposit.aspx to learn more.
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15. Do I have to pay a fee for using my debit card?
Most Bank Freedom services are free. Please refer to the Bank Freedom prepaid debit card Fee page for more information.
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16. Can the Bank Freedom prepaid card be overdrawn?
You cannot overdraw your Bank Freedom prepaid debit card. Normally you can only use the funds you have on your prepaid debit card. Usually if your purchase or cash withdrawal is more than the balance in your account, the transaction will be denied.
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17. Can I use my Bank Freedom prepaid card and cash to pay for something that is more than is on my Bank Freedom prepaid card?
Like gift cards, your Bank Freedom prepaid card will be declined if your purchase costs more than what on the card. If you know your balance, you can ask the clerk to do a “split-pay” purchase – you tell the clerk the amount you want to pay with the Bank Freedom prepaid card and the amount by cash.
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18. If I move after I get my Bank Freedom prepaid debit card, who do I contact?
The easiest way is to call Bank Freedom’s toll free number (1-877-237-6262), and tell them your new address. You may also write to us at our corporate address:
Bank Freedom
17595 Harvard
Suite C, #3250
Irvine, CA 92614
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