Chase Prepaid University Visa® Card Frequently Asked Questions

How do I enroll in the University Card program?

Is my University Card a credit card?

Is a credit check required to receive a University Card?

Is there a minimum balance I have to maintain in my University Card account?

Does my University Card account earn interest?

Is a University Card sent to me automatically or do I have to request one?

How long does it take to receive my University Card?

What type of security features does the University Card have?

How do I activate my University Card?

What is a PIN?

I just activated my Card and selected my PIN, when will my PIN be active so I can use it at ATMs or to get cash back with a purchase?

Where can I use my University Card to withdraw my funds?

When I make a withdrawal at an ATM, a question on the screen asks for account type (Savings, Checking, Money Market, etc.). Which should I choose?

Can I check my account balance at an ATM machine?

Will I be assessed ATM charges for using my University Card at local banks? If so, will the charge be added to my withdrawal?

Where can I locate the nearest surcharge free ATM?

What do I do if a merchant asks ‘credit’ or ‘debit’?

Will I be able to access all of my funds, even if I have an ‘odd amount’ remaining in my account?

How much money can I withdraw from an ATM?

Can I use my University Card number for direct debits of recurring payments (e.g. monthly utilities, telephone, etc.)?

Can I use my University Card number for online purchases?

How can I review my recent transactions?

Who else can see my withdrawal and purchase transactions?

What happens if I lose my Card or it’s stolen?

How do I change personal information on my University Card account?

What if my University Card is not working properly?

How do I enroll in the University Card program?
Enrollment in the University Card program is done though Gila Hank Online, EAC’s online student information system.

Students who have activated their Gila Hank Online account, click here to log on and then click the “University Card” tab to enroll.

If you have never activated your student account on Gila Hank Online, choose the link that says "Click here to activate your student account" and follow the online instructions. Once activated, log on and click the “University Card” tab to enroll.

Is my University Card a credit card?
No. It’s a prepaid card. Each time you use the Card, the purchase or withdrawal amount is deducted from the amount available in your account.

Is a credit check required to receive a University Card?
Since no credit is being extended, a credit check is not required.

Is there a minimum balance I have to maintain in my University Card account?
No minimum balance is required to keep the account open.

Does my University Card account earn interest?
No. Your account does not earn interest.

Is a University Card sent to me automatically or do I have to request one?
Upon receipt of your enrollment form, you will be automatically sent a University Card to the address on your enrollment form.

How long does it take to receive my University Card?
You will typically receive your Card within ten (10) business days following the time your enrollment form is received.

What type of security features does the University Card have?
Your Card cannot be used until you activate it. You select your own PIN number, and you can change your PIN number at any time during the life of your Card by calling Customer Support.

How do I activate my University Card?

• Call 1-877-789-5874 to activate your University Card. You will need to input your debit card number, your nine-digit social security number and your date of birth in mm/dd/yyyy format.
• You will be prompted to create a six-digit telephone access code for automated customer service. Once this is completed, your Card is activated.
• After you activate your Card, you should select a four-digit personal identification number (PIN) by returning to the main menu.

What is a PIN?

Your PIN or Personal Identification Number is a secret four-digit code that gives you access to your Card account. Always keep it separate from your Card, and never tell it to anyone.

You will need your PIN to get cash at an automated teller machine (ATM), for PIN point-of-sale purchases at a store or to obtain account information at www.myaccount.chase.com.

NOTE: Your telephone access code and PIN are not the same number.

I just activated my Card and selected my PIN, when will my PIN be active so I can use it at ATMs or to get cash back with a purchase?
Once you have completed the activation process and selected your PIN, you can use your Card immediately after funds are deposited into your account.

Where can I use my University Card to withdraw my funds?
Your University Card can be used 24 hours a day, 7 days a week, to withdraw your funds at over 900,000 ATMs worldwide. Your Card will also be accepted at retail locations wherever Visa debit cards are accepted. At many retail locations you can get money back in addition to your purchase using debit POS.

When I make a withdrawal at an ATM, a question on the screen asks for account type (Savings, Checking, Money Market, etc.). Which should I choose?
Always select "CHECKING."

Can I check my account balance at an ATM machine?
Yes, if you select "CHECKING" as account type. There may be a fee for an ATM balance inquiry. Fees for balance inquiries are included in the Schedule of Fees on your enrollment application. You can always get free balance information by accessing the website, www.myaccount.chase.com or by dialing the toll-free number on the back of your Card.

Will I be assessed ATM charges for using my University Card at local banks? If so, will the charge be added to my withdrawal?

Most ATM operators charge non-customers a "service fee" or “surcharge” of approximately $0.50 to $1.50 for using their ATMs. This is deducted directly from your account at the time of withdrawal. You can avoid ATM surcharges by using Chase or other surcharge-free ATMs. If your Card has an Allpoint™ logo on the back, ATMs accepting Allpoint™ transactions will not impose a service fee.

NOTE: At Allpoint™ ATMs, if the surcharge screen appears during a transaction, enter “YES” to accept the surcharge and proceed with the withdrawal. You will not be charged the surcharge; this can be verified by reviewing the ATM transaction statement.

Where can I locate the nearest surcharge free ATM?
Visit www.chase.com and if your Card carries the Allpoint logo, visit www.allpointnetwork.com

What do I do if a merchant asks ‘credit’ or ‘debit’?
You may choose either. If you select ‘credit’ simply sign your receipt and go. If you select ‘debit’ you will be asked to enter your PIN after swiping your Card.

Will I be able to access all of my funds, even if I have an ‘odd amount’ remaining in my account?
You can access the full amount of your funds by requesting cash back when making a point-of-sale debit purchase, for example — at a supermarket. However cash over purchase limits may apply at the grocery retailer and you may have to request the amount that you would like to withdraw to the clerk. You may also access your full account balance by requesting a cash disbursement at a bank that displays the Visa logo.

How much money can I withdraw from an ATM?
You may withdraw up to the balance available in your Chase University Card account or the maximum amount allowed by the ATM, whichever is less.

Can I use my University Card number for direct debits of recurring payments (e.g. monthly utilities, telephone, etc.)?
If your Card has a Visa debit logo, you will be able to use your University Card number for direct debits of recurring payments. You must maintain sufficient funds in your University Card account to do so.

Can I use my University Card number for online purchases?
If your Card has a Visa debit logo, you will be able to use your University Card number for online purchases.

How can I review my recent transactions?
Your transaction history listing all transactions in the statement cycle, including deposit credits and transaction debits, is available at no charge through the Internet at www.myaccount.chase.com or by calling the toll-free number on the back of your Card.

Who else can see my withdrawal and purchase transactions?
For your security and privacy, only you can see withdrawal and purchase transactions.

What happens if I lose my Card or it’s stolen?
If your University Card is lost or stolen, notify Customer Support IMMEDIATELY at 1-877-789-5874. Your Card will be deactivated and a new one mailed to you.

How do I change personal information on my University Card account?
To change any personal information such as address and phone number on your account, please contact the Customer Support number on the back of the Card 1-877-789-5874. In addition, you will need to update your records with your university.

What if my University Card is not working properly?
If you are having difficulties with your University Card, please call Customer Support at 1-877-789-5874.