Forever Direct Deposit

Transcription

1 Forever Direct Deposit In order to expedite the delivery of profits and bonuses to Distributors registered in the USA, we offer a direct deposit service. Forever Direct Deposit is available to any Distributor with a checking or savings account with a United States bank. This service assures you that: You will receive your money fast! You will never wait in line at the bank to deposit your checks! Your money will be deposited in your account, no matter where you are! You will never have to deal with lost or stolen checks! Forever Direct Deposit Instructions 1. Log in as a Distributor on our website and select the United States. Then navigate to My Account>>Store Options>>Bonus Paid Options. 2. Fill in your bank routing and account information, then click Save. -OR- 3. Apply by completing the attached Direct Deposit Authorization form, which can also be downloaded from After logging in as a Distributor, simply select Downloads from the menu and they click on Direct Deposit Form from the list. 4. Make sure that the Form is filled out completely and that it is signed by the primary distributor. 5. Send via mail, fax or the completed and signed Authorization Form to: Forever Living Products Forever Direct Deposit 7501 E. McCormick Parkway Scottsdale, AZ Fax: distributors@foreverliving.com Your direct deposit will begin on the 15 th of the month following the receipt of your Authorization Form. For example, if we receive your form on January 5, your direct deposit will begin February 15 th.

2 YOUR CARD. YOUR BUSINESS. Take control of your business with the FOREVER Bonus Access Card Get your very own Forever Bonus Access Card - it is a guaranteed method of getting your bonus payment on the 15th of every month! No more waiting for the mail or standing in line and having to pay check cashing fees. You'll have easy access to your money through any PLUS ATM. The Forever Bonus Access Card provides you with the most flexible and convenient way to access your money 24 hours a day. Why You Need Your Own Bonus Access Card: Instant access to your monthly bonus payments: You ll get paid faster! Worldwide VISA acceptance: Your card is good worldwide at millions of locations. Instant cash access: You can withdraw money from your card at any PLUS ATM. Transfer funds: You can transfer money directly from your Bonus Access account to your bank account. Access Checks: You can write checks from your card balance. Online Access: You can view your account balance and transaction history online Bi-lingual Customer Service: Support is available 24 hours a day Toll Free (866) Detailed reporting: You can review your payment details online. IF YOU ARE CURRENTLY SIGNED UP FOR DIRECT DEPOSIT, IT WILL BE DISCONTINUED WHEN YOU SIGN UP FOR THE FOREVER BONUS ACCESS CARD. A $3.50 SETUP FEE WILL BE DEDUCTED FROM YOUR FIRST BONUS PAYMENT. The Forever Bonus Access Card is available only to distributors who live in the U.S. or Canada. Distributor ID Number: First Name Last Name Spouse s First Name Spouse s Last Name Street Address City State Zip Code ( ) - Telephone / / Signature* Date MM/DD/YY / / Spouse s Signature* Date MM/DD/YY *Note: If there are two names on a distributorship, both signatures are required. As a Forever Living Distributor, you are entitled to either one free Access Check or one free ACH (bank) Transfer per month; however, you cannot switch between the two from month to month. Please indicate which option you choose: One Free Access Check per month. One Free ACH (bank) Transfer per month. Please turn in to your local Product Center or fax to Distributor Support at (480)

3 YOUR CARD. YOUR BUSINESS. Take control of your business with the FOREVER Bonus Access Card Forever Living Bonus Access Card - Distributor Fees Account Set Up Fee $3.50 per Account created (An additional 3.50 is charged every 3 years to Renew your Forever Living Bonus Access Card). Access Check Processing Fee $1.50 per check processed (One Free Check or One Free Transfer per month). ACH Transfer $1.50 per transaction (One Free ACH Transfer or One Free Access Check per month) ATM Fee (Domestic) $1.50 per transaction (the bank that owns the ATM may charge additional fees). Companion Card $6.95 per card. Dormancy Fee: 3.00 per month (This fee is incurred after 6 months of account inactivity. Inactivity is defined as none of the following transactions: Deposits, Transfers, Access Checks, Visa Transactions or ATM withdrawals.) Timing of Payments: All Distributor Fees, except the Access Set Up Fee, will be deducted directly from each Program Member Account at the time the transaction occurs. The Access Set Up Fee will be deducted directly from the Program Member s FLP bonus.

4 Forever Living Bonus Access Program Frequently Asked Questions (FAQs): I just received my Forever Living Bonus Access Card in the mail. What do I need to do to view my monthly bonus payments? It is as simple as one, two, three Visit 2. Register at the site (by providing a user name and password) 3. Click the My Account icon on the top of your screen! Please note that you only have to register once at the Forever Living Bonus Access website. Once you register, you can simply login on future visits and view your transaction history. When will monthly bonus payments be posted to my card? Payments will be issued on a monthly basis. Funds will be loaded by 5:00 p.m. EST on the 15 th of each month. If the 15 th falls on a Saturday, bonus payments will be applied on the 14 th. And if the 15 th falls on a Sunday, the bonus payments will be applied on the 16 th. Once processed, your earnings are AUTOMATICALLY LOADED TO YOUR ACCOUNT BALANCE IN REAL TIME. You are free to use the funds immediately thereafter. When will I know a payment is available? Once a payment has been loaded to your Forever Living Bonus Access Card, you will receive an notification of your payment if you have provided an address. To view the details of the monthly bonus payment, simply login to your account and view the details. What if I don t have access to the internet? Contact Bonus Access Card Customer Service at Our Bilingual Customer Service Representatives will handle the registration process for you. How can I obtain a free address to receive notifications of when I receive a monthly bonus payment? There are many sites that offer free addresses. Two of the larger sites are: MSN s Hotmail: Click on Hotmail at the top of the page and follow the steps for creating an account. Yahoo: Click on Mail at the top of the page and follow the steps for creating an account. What types of payments can I expect to receive on my new Forever Living Bonus Access Card? Monthly bonus payments for eligible Forever Living products you and/or your group have sold. A monthly bonus payment was not loaded onto my new Forever Living Bonus Access Card. What should I do? Contact Bonus Access Card Customer Service at to report your missing monthly bonus payment. Our Customer Service Representative will research the claim with you. If additional information is needed to resolve the claim, Customer Service will direct you to the appropriate Bonus Access Card staff member to resolve your concern. Can I transfer funds from my Forever Living Bonus Access Card to my checking and/or savings account? Yes. Cardholders are able to transfer funds via ACH. This feature is activated and cardholders can login to their account at and click on the Access $ radio button on the top of the page. From here, cardholders may select a one-time transfer or set up a recurring transfer. Recurring transfers allow a cardholder to transfer a predetermined percentage of their monthly bonus payments to a bank account. Cardholders may also initiate ACH transfers by calling Cardholder Services at Once an ACH transfer is initiated, how long before the funds will be credited to my bank account? Generally speaking, it takes approximately one two business days for funds to be credited to a bank account. All transfers are subject to review by Cardholder Services for account security purposes. I received Access Checks in my Bonus Access Welcome Package. What are Access Checks? Access Checks are an exciting feature of your Bonus Access Card. Need to pay a bill or send a check to a friend? Now you can. Just use one of the checks you received and the funds will automatically be deducted from your card balance. You can write checks for any amount up to the balance of your Bonus Access Card. How do I order more Access Checks? There are two easy ways to order additional Access Checks. To order online: 1. Visit 2. Log in to your account and click on the Access $ tab on the top of the page. 3. Click on the Order Access Checks option and select the number of checks you wish to receive. If you do not have Internet access, contact Customer Service at to order additional Access Checks. What is an Account Dormancy fee? Your account is subject to a monthly "Account Dormancy Fee" if it is inactive. An inactive account is defined as an account that meets all three of the following criteria: (1) Your account has been open for at least six months; and (2) You have not added funds or received a bonus payment; and (3) You have not made a transaction that resulted in journal activity with the account in a 90 day period. The account dormancy fee is $3.00 per month. Can I really shop anywhere with the Forever Living Bonus Access Card? You can use your Forever Living Bonus Access Card to purchase goods and services at any online or offline merchant that accepts VISA. Where can I withdraw cash? You can access your money from any ATM that bears the Plus logo. To find a Plus ATM location near you, call Please note that there is a service fee for each withdrawal. This fee, along with any other fees assessed by the ATM machine associated with your ATM transaction, is automatically deducted from your balance. Please note that to withdraw cash from an ATM, you must select CREDIT CARD when prompted to select a withdraw source.

5 How is my Forever Living Bonus Access Card different than a credit card? A credit card gives you a line of credit, which you have to pay back. Conversely, this card is a debit card that is loaded with YOUR money. You simply receive funds on the card, and then spend or withdraw the funds as you wish. However, when using the card, you will always select Credit when prompted for a withdraw source. How do I order a companion Card? Contact Bonus Access Card Customer Service at There is a $6.95 charge for a companion card. How do I order a replacement Card? Contact Bonus Access Card Customer Service at There may be up to a $15.00 replacement charge. What should I do if my Forever Living Bonus Access Card is lost or stolen? Call our Bonus Access Card Customer Service team immediately at to report a lost or stolen card, and to order a replacement card. If you report the lost or stolen card in a timely manner, you will not be responsible for any unauthorized charges per the Terms and Conditions. How do I change my address? If you have moved, or the billing address to which your Forever Living Bonus Access Card was mailed has changed, please send a completed, signed Change of Status Form to the Home Office of Forever Living Products. How do I know how much money I have in my available balance? You can check your available balance and get a detailed statement listing all bonus payments credited to your Forever Living Bonus Access Card and program details at the website or by calling Bonus Access Card Customer Service ( ). Can I spend more than my available balance? No. You will not be able to spend more than your available balance. The merchant will be unable to complete your transaction if your purchase exceeds your available balance. How do I use my Forever Living Bonus Access Card at self-swipe merchant locations? At certain merchant locations (example: grocery stores), the merchant may require that you swipe your card yourself. On these occasions, make sure that you choose "Credit" as the payment option even though your Forever Living Bonus Access Card is a debit card. Will I get a PIN for ATM transactions? Yes, a PIN mailer will be delivered to you via the U.S. Postal Mail. Please note that you will only use this PIN for ATM transactions. If you do not receive a PIN mailer, please contact our Customer Service Department at to request a new PIN. How do I shop online using my Forever Living Bonus Access Card? Shopping online is easy. Just follow these simple steps: (1) Select the items you want to buy; (2) Proceed to "check out"; (3) Select VISA as your payment option; (4) Enter your 16-digit card number, and the 3-digit Security Code (if required, it can be found on the back of the card and it is the last three digits printed in the signature panel), and your expiration date; (5) Enter the billing address that is in the computer at the Home Office of Forever Living Products. That's it. The merchant will process your transaction. My balance is enough to cover this transaction, but my card is being declined. Why? Your current balance is available 24 hours a day, 7 days a week, on either or by calling If your card is being declined for a purchase for an amount less than your available balance, please ask yourself the following questions: Am I selecting the credit option for my purchase or ATM withdrawal? For all purchases and ATM withdrawals, the transaction must be performed as a credit transaction, rather than a debit transaction. Note: A request for a PIN during a purchase is usually a sign that the transaction is being run as a debit transaction, and therefore will be unsuccessful. Am I using my card at a restaurant? Most restaurants authorize for up to 20% more than the bill to allow customers to write in the tip. The restaurant will then settle the charge for the total amount on the receipt. Please keep this in mind when using your card to pay restaurant bills. There is a charge on my account that I do not recognize. What do I do? It is important that you contact us immediately at if you notice a charge on your account that you do not recognize. Unauthorized charges cannot be disputed after 120 days. After you report the unauthorized charge, contact the merchant directly for more information. If they remain unhelpful, contact Card Services and we will provide you with a dispute form. You will need the following information to complete the dispute form: Name of the merchant Date and amount of the unauthorized charge Reason for the dispute (e.g. I did not authorize this charge) The form requires a signature, so you will have to mail it or fax it back to us at (610) After we receive your completed form, we will conduct an investigation. Upon successful completion of our investigation, we will credit back all appropriate charges and issue a new account number, if necessary. Please note that it may take up to 45 days to complete the investigation. I placed an order with a merchant and did not receive the merchandise (or did not receive the merchandise as promised). How can I dispute the transaction? For disputes with an individual merchant, we ask that you follow the same procedure as above. It is important that you contact the merchant directly first. Often times, the merchant is willing to credit your account for the disputed transaction. Again, if the merchant remains unhelpful, contact Card Services and we will forward you a dispute form. When you return the completed form, please include any documents related to the disputed transaction, including order confirmations and correspondence with the merchant. As with unauthorized charges, these charges cannot be disputed after 120 days, and it may make up to 45 days to complete our investigation. I attempted an ATM withdrawal and did not receive any cash. However, the amount is on hold in my account. What do I do? If this happens, please contact the owner of the ATM to report the problem. If possible, please obtain confirmation that the amount of the withdrawal will not be charged to your account. Next, contact us at to report the incident and we will attempt to resolve the issue on your behalf. If the pending authorization does not settle within two weeks, we will credit your account for the appropriate amount.