The TotalPay American University. American University Payroll Office

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1 The TotalPay American University American University Payroll Office

2 What is TotalPay Card? Objectives Why TotalPay is the best option for American University How will the TotalPay Card benefit American University employees? Deployment Communications Locations for Allpoint Network ATMs, Check Cashing, and Cash/Reload in Washington, DC Who to contact

3 What is the TotalPay Card? TotalPay cards are standard debit cards that work the same way as a traditional debit card issued by banks to people with a checking or savings account. TotalPay cards are distributed by employers to allow employees to receive their pay electronically, even if they do not have a bank account. There is NO credit check to receive this card. Personalized, reloadable Visa debit card PIN and signature based Replenished with each pay cycle Accepted at a global network of participating ATMs, Visa merchants, and Visa member banks Instant-issue Visa card also available a great solution for on-the-spot disbursements

4 What Won t Change Payroll deadlines for timesheets Pay dates

5 What Will Change Form of payment for late timesheet and situations in which a paper check has to be generated Communication to new employees (offer letter) Communication about TotalPay in New Hire Orientation New employee onboarding process (new hire forms) If not electing direct deposit, need TotalPay enrollment form for activation process

6 The TotalPay American University PURPOSE AND BENEFITS

7 Why do we want the TotalPay Card at American University? The College has a campus-wide initiative of going Green to create cost savings. We currently process paychecks for employees who do not have direct deposit on check stock. Impact to Employees: Lost work productivity (time spent cashing checks, extended lunch hours, etc.) Coming to HR to pick up check No control over access to pay Fraud exposure associated with checks No cost savings to employees ( check cashing fees, etc.) Impact to American University : Employee Labor (Payroll team) spending the time to create and manufacture a check in applicable cases, and for every biweekly and monthly payroll Having available check stock to print any checks that need to be created for every payroll, which includes replacement and reissue, as well as check spoilage (checks never cashed/stale-dated) Printer Maintenance Printer supplies (ribbons, ink/toner/sealant, etc.) Process Inefficiency Does not provide effective Business Continuity/Recovery

8 How TotalPay Card benefits employees Dependability! No waiting for checks to be distributed net pay is deposited onto the card the morning of payday automatically Saves Time! Employees don t have to stand in line to cash or deposit their check Privacy! Checks are seen by many people only the employee(s) have total access to their TotalPay card Free! Saves on check cashing fees Convenience! Employees can access their pay wherever they are they do not have to be at work to pick up their check Security! TotalPay cards and Money Network Checks are not usable until the employee activates the card and establishes their own PIN#. Tracking! Transaction activity and spending easily tracked Innovation! Gives employees new ways to manage their money

9 What are other TotalPay Card features? Has Visa logo on card so accepted anywhere there is a merchant who accepts Visa Can be used at any Allpoint Network ATM to withdraw funds for Free Can withdraw some or all of net pay at any Visa member bank for Free Can make purchases at any location that accepts debit cards, such as supermarkets, gas stations, etc. Use Money Network Checks to pay bills, rent or use it to get 100% of net pay all Wal-Mart locations will cash a Money Network check for Free Comes with 3 checks Transfer funds to another account Send money to another country for reduced fees If card is lost/stolen call the 800 number to vendor to have it replaced and still have access to your money via the Money Network Check No waiting for deposited checks to clear Secondary cards are available for a spouse or other trusted family member /Text balance alerts

10 Easy access to cash Convenience Cash withdrawal available at Visa ATMs* 40,000 Allpoint ATMs Cash back with point-of-sale transactions at participating merchants that accept Visa debit* Over-the-counter (OTC) Teller cash withdrawal from Visa member banks Load cash from other sources such as wages from a job, tax refunds, government benefits, and child support payments * Nominal fees may apply.

11 Assurance No need to carry large amounts of cash Lost or stolen cards can be replaced with their full remaining stored value No liability for fraudulent charges* Deposits and transactions are confidential * Visa s Zero Liability Policy provides protection from any unauthorized purchases. U.S. issued only. Visa s Zero Liability Policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa.

12 The TotalPay American University COMMUNICATION AND DEPLOYMENT

13 How will affected employees be notified Communication methods include: memos to affected employees Face-to-face meetings with affected employees Letters sent to employee s home Posters Payroll Stuffer HR/Payroll Connection (countdown) Announcement at HR Reps meeting Payroll website American Today campus newspaper Table tents in dining halls LCD screens in dining halls

14 Deployment Biweekly employees (includes part-timers) Implemented on 1 st and 2 nd biweekly pay dates in February (2/3) and (2/17) Monthly employees (includes remaining parttimers) (faculty/students/staff) Implemented end of February (2/29)

15 The TotalPay American University CARDHOLDER SERVICES AND LOCATIONS

16 Cardholder Services Cardholder web access provides the following: Card Activation ATM Locator Check Cashing Locator Cash Reload Locator Balance Inquiries Transaction History Bill Pay Print Dispute Form Visit

17 Allpoint ATM Locations CVS 7-Eleven Other Locations 4555 Wisconsin Ave Nw Washington, DC *(.77 Miles) 4319 Wisconsin Ave Nw Washington, DC *(.67 Miles) Parklanes Cleaners *(1.38 Miles) 4304 Connecticut Ave Nw Washington, DC Macarthur Blvd Nw Washington, DC *(1.64 Miles) 2226 Wisconsin Ave Nw Washington, DC *(1.69 Miles) 4601 Sangamore Rd Bethesda, MD *(1.72 Miles) 3327 Connecticut Ave Washington, DC *(1.73 Miles) 5548 Connecticut Ave Nw Washington, DC *(1.85 Miles) 1403 Wisconsin Ave Nw Washington, DC *(2.59 Miles) *Miles is from zip code A Connecticut Ave Washington, DC *(1.38 Miles) 5114 River Rd Bethesda, MD *(1.81 Miles) 3000 Connecticut Ave Nw Washington, DC *(1.97 Miles) 1900 Wyoming Ave Nw Washington, DC *(2.77 Miles) 3146 Mt Pleasant St Washington, DC *(2.8 Miles) 2525 N Lee Hwy Arlington, VA *(3.1 Miles) *Miles is from zip code Rite Aid *(2.88 Miles) 1815 Connecticut Ave Nw Washington, DC Tara Salon & Spa *(2.96 Miles) 2715 M St Nw Washington, DC State Liquors *(3.02 Miles) 2159 P St Nw Washington, DC Walgreens *(3.07 Miles) 3130 Lee Hwy Arlington, VA Target *(3.1 Miles) th St Nw Washington, DC Hilton Embassy Row *(3.1 Miles) 2015 Massachusetts Ave Nw Washington, DC *Miles is from zip code 20016

18 Cash Reload Participating Locations Less than ½ Mile Less than 1 Mile 1+ Miles RITE AID #3873 (Western Union) 3301 NEW MEXICO AVENUE NORTHWEST WASHINGTON, DC THE UPS STORE #57 (Western Union) 4200 WISCONSIN AVE NW WASHINGTON, DC MAC MARKET & DELI (Western Union) 5185 MACARTHUR BLVD WASHINGTON, DC Rite Aid (Green Dot MoneyPak) 3301 NEW MEXICO AVENUE NW,WASHINGTON, DC SUPER FRESH #979 (Western Union) TH STREET NW WASHINGTON, DC CVS - #1343(MoneyGram) 4851 MASSACHUSETTS AVE NW WASHINGTON, DC Rite Aid (Green Dot MoneyPak) 3301 NEW MEXICO AVENUE NW WASHINGTON, DC CVS (Green Dot MoneyPak) 4851 MASSACHUSETTS AVENUE NW WASHINGTON, DC Eleven (Green Dot MoneyPak) 4319 WISCONSIN AVE NW WASHINGTON, DC TENLEY MARKET - #0001(MoneyGram) 4326 WISCONSIN AVE NW WASHINGTON, DC RadioShack (Green Dot MoneyPak) 4531 WISCONSIN AVE NW WASHINGTON, DC CVS - #2174(MoneyGram) 4555 WISCONSIN AVE NW WASHINGTON, DC CVS (Green Dot MoneyPak) 4555 WISCONSIN AVENUE, NW WASHINGTON, DC CVS - #1362(MoneyGram) 4309 CONNECTICUT AVE NW WASHINGTON, DC CVS *(Green Dot MoneyPak) 4309 CONNECTICUT AVENUE NW WASHINGTON, DC GIANT FOOD #0383 (Western Union) 4303 CONNECTICUT AVE NW WASHINGTON, DC Eleven (Green Dot MoneyPak) 4221 A CONNECTICUT AVE NW WASHINGTON, DC VAN NESS LIQUORS (Western Union) 4201 CONNECTICUT AVE NW WASHINGTON, DC 20008

19 Free Check Cashing Location Services Distance 7-Eleven 3901 LEE HWY ARLINGTON, VA Free Check Cashing *2.96 miles 7-Eleven 3000 N. WASHINGTON BVD STE A-1 ARLINGTON, VA Eleven 1357 CHAIN BRIDGE RD MCLEAN, VA Free Check Cashing Free Check Cashing *3.72 miles *4.23 miles 7-Eleven 1436 CHAIN BRIDGE RD MCLEAN, VA Free Check Cashing *4.4 miles 7-Eleven 3007 PATRICK HENRY DR FALLS CHURCH, VA Free Check Cashing *5.6 miles *Miles from zip code 20016

20 Visa Member Banks Bank of America Capital One Citibank Spring Valley th Street, N.W. Washington DC American University 4400 Massachusetts AVE NW Washington, DC Palisades 5250 MacArthur Blvd NW Washington, DC, Friendship Heights 5201 Wisconsin Avenue, N.W. Washington DC Spring Valley 4860 Massachusetts AVE, NW Washington, DC Friendship Heights 5001 Wisconsin Ave NW Washington, DC,20016 Van Ness 4201 Connecticut Avenue, N.W. Washington DC Tenley 4000 Wisconsin AVE Washington, DC Chevy Chase 5700 Connecticut Ave NW Washington, DC,20015 Chevy Chase 4411 South Park Avenue Chevy Chase MD Van Ness 4455 Connecticut AVE, NW Washington, DC Georgetown North 1901 Wisconsin Ave NW Washington, DC, Cleveland Park 3401 Connecticut Avenue, N.W. Washington DC Western Avenue 5459 Wisconsin AVE Chevy Chase, MD Columbia Heights th Street NW Washington, DC, 20010

21 Visa Member Banks PNC Sun Trust Wells Fargo Spring Valley 4835 Massachusetts Avenue, NW Washington, DC Foxhall Square 3301 New Mexico Avenue, NW Washington,DC Spring Valley 4841 Massachusetts Ave,NW Washington, DC Friendship Heights 4249 Wisconsin Avenue, NW Washington, DC20016 Cathedral 3440 Wisconsin Avenue NW Washington,DC Macarthur & Arizona 5201 Macarthur Blvd,NW Washington, DC Wisconsin & Jenifer 5252 Wisconsin Avenue, NW Washington, DC20015 Connecticut & Nebraska 5000 Connecticut Avenue, NW Washington,DC Friendship Heights 5100 Wisconsin Ave, NW Washington, DC Chevy Chase 5530 Connecticut Avenue, NW Washington, DC Chase Tower 4455 Willard Avenue Chevy Chase,MD Wisconsin & Calvert 3700 Calvert St,NW Washington, DC20007 Little Falls 4749 Sangamore Road Bethesda, MD Sumner Place Safeway 4701 Sangamore Road Bethesda,MD Van Ness 4302 Connecticut Ave,NW Washington, DC20008

22 Is AU the only one doing TotalPay? Check out other school(s) and businesses using the TotalPay card program: University of California Emory University Northwestern University Howard University CBS Walmart And many more!

23 Website: Questions? Phone: (202)

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