US Bank Campus Card FAQ Is there a limit to a cash advance? You may receive a cash advance up to the balance on your card, however Financial Institutions may impose a limit on how much money you can receive. Is there a minimum age limit for a Campus Card? Yes. Must be age 17 or older. Is my Campus Card a credit card? No. Your card has a U.S. Bank Prepaid Debit MasterCard account that only you can activate; each purchase amount is deducted from your available balance, and, in general, you cannot spend more than you have deposited. Does everyone qualify for the U.S. Bank Prepaid Debit MasterCard account? Yes. Everyone qualifies for a Basic account just by registering their card through their school website. By providing your Social Security Number during registration, we will validate your information and if your identity is validated, you will be upgraded to the Deluxe account. (See our question on the differences between a Basic and Deluxe account. Do I need to sign an agreement? Yes. When you register your account online, you must read and electronically accept the E-Sign Agreement, Cardholder Agreement and Privacy Pledge of the account. There is no additional signature required. What is the difference between a Basic and Deluxe account? The only way to get money into a Basic account is through deposits from your school, such as financial aid refunds or select school payments. There is no Social Security Number required for the Basic account. The Deluxe account works just like the Basic account, but in addition you will be able to deposit money electronically from almost any source: a checking account, a savings account, direct deposit from your employer, other Deluxe account members, or even a parent or spouse. For the Deluxe account your Social Security Number is required during registration. Both the Basic and Deluxe accounts can be used at ATMs and for purchases everywhere Debit MasterCard is accepted.
Why is a Social Security Number required for a Deluxe account? In order to comply with the USA PATRIOT Act, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who signs up for a Deluxe account. This is not a credit check and no one can be declined due to credit history. Since the Basic account can only be funded by your school, it is not required for that account. If I enter my Social Security Number, am I guaranteed a Deluxe account? No. During the registration process, we automatically validate the identity information you provided. In some instances, such as, new to the workforce, mis-keyed information, providing college address, recent name change or youth under age 18, this process may not be able to verify identity and a Basic account will be activated instead. Can I upgrade my Basic account if I am an international student? International students who have Social Security Numbers are eligible for a Deluxe account. How do I know if I have a Basic or Deluxe account? Log into your account at www.usbankcampuscard.com (https://www.usbankcampuscard.com). If you have a Deluxe account, on the I Want To left navigation bar you will see an option to Invite a Parent or Guardian. If you do not see this option, you have a Basic account. If I have a Basic account, how can I upgrade to a Deluxe account? You can e-mail UpgradeMyCard@usbank.com (UpgradeMyCard@usbank.com) or fax to 1-866- 904-1408 a copy of your Social Security Card AND one of the following: U.S. State Driver s License U.S. State ID Card Birth Certificate Resident Alien Card Mexican Consular ID or Matricula Card U.S. Passport U.S. Military ID Within 2 business days of receipt of your documents, your Basic account will be upgraded to a Deluxe account. Can I grant a parent, guardian or spouse certain access to my account? Yes. With a Deluxe account, you are able to invite and grant one person access to your account. By inviting this person, you are giving them permission to view your deposit history and make online deposits to your account. You may also elect to grant this person view access of your entire transaction history (deposits and purchases) by logging into your account at www.usbankcampuscard.com.
ACCESSING YOUR ACCOUNT How do I access my account? You can review your current balance, access your monthly statement and view transaction history online free of charge by logging into your account at www.usbankcampuscard.com. In addition, you can call the toll-free Customer Service number 1.855.613.9098 to receive balance and transaction information. ACCESSING YOUR ACCOUNT Will I receive a monthly statement? No, however you can access your account online or by calling Customer Service at 1.855.613.9098. ACCESSING YOUR ACCOUNT Is a mobile application available for my Prepaid Debit MasterCard account? Yes. The Campus Card mobile application is available as a free download on ios and Android devices. Search for U.S. Bank Campus Card in you device s app store. The mobile app allows you to check your balance, view recent transactions, and locate the nearest U.S. Bank ATM or branch. Where can I use my Prepaid Debit MasterCard account? Your Campus Card can be used to make purchases everywhere Debit MasterCard is accepted at more than 32 million MasterCard merchant locations worldwide. What happens if I need to return an item? Each merchant location has its own return policies and will handle the returns in the same manner as any other MasterCard transaction. They may credit your account, provide a cash refund, or a store credit. When in doubt, always check a store s return policy before making a purchase. What if my purchase is denied? This may happen if the available balance in your account is less than the purchase amount. You may inform the merchant of the remaining account balance and use another form of payment to pay the difference (subject to the policy of the merchant). Why is my transaction showing as a different amount than on my receipt? The use of your Campus Card at some merchants for example, gas pumps, restaurants and mail-order companies requires that your account has an available balance greater than the purchase amount to ensure sufficient funds for tips or incidental expenses. Use of the Campus
Card at automated fuel dispensers requires a minimum balance of up to $100 for authorization, which is held until the transaction settles. However, only the actual amount spent will be deducted from the account. How can I use my Prepaid Debit MasterCard account to pay for a hotel stay? Hotels will verify that your Campus Card has sufficient funds to pay an estimated bill. That amount will be held in your account, making it unavailable for other purchases. When you check out, the hold will be removed and the actual bill amount will be deducted. You can avoid having funds held by using a credit card at check-in. Your Campus Card may be used to make the final payment. Can my Prepaid Debit MasterCard account ever have a negative balance? In general, you cannot spend more than your account balance, any authorization request that is greater than the card s available balance will be declined. However, there can be times when a merchant puts an item through without prior authorization. If a negative balance occurs, the card recipient will be required to make a payment to cardholder services to cover the negative amount. If the account remains in a negative status for 90 days, the account will be automatically closed. If the account has been closed and payment received, you can call the tollfree Cardholder Services number 1.855.613.9098 to reopen the account. Payments should be sent to: Campus Card Cardholder Services P.O. Box 9127 Minneapolis, MN 55480 Can I use my Prepaid Debit MasterCard to pay my friends for shared expenses? Yes. If you both have the Deluxe account you can transfer money right to your friends account for shared expenses (think: rent, bills, groceries, pizza) through the Transfer Funds feature online. You are able to add multiple friends. What do I do if I ve misplaced my Campus Card? You should immediately visit www.usbankcampuscard.com to suspend your Campus Card if it is ever misplaced. Any scheduled deposits will still be accepted, but purchase and ATM transactions will be declined. When you find your card again, you can unsuspend it, and it will return to full functionality. Be sure to contact your Card Office to secure any on-campus accounts that you may have. What happens if my Campus Card is lost or stolen? Immediately report a lost or stolen card by calling Cardholder Services at 1.855.613.9098. As long as the missing card is reported immediately, you will not be responsible for any
unauthorized charges. Where do I get a replacement card? If you received your original Campus Card from your school, you will need to get a replacement card at the same location. When you receive your replacement card, log into My Account at www.usbankcampuscard.com, choose Replace and Activate under Account Activities to link the new card to your existing account. What happens when I am no longer a student? Your account will stay activated until expiration on the card, even if you are no longer enrolled. About a month before your card expires, we will send you a standard replacement card. Once activated, this card will access the available funds in your account. FEES What fees are associated with the Prepaid Debit MasterCard account? There is no enrollment fee and no monthly service fee and no minimum balance requirement. For a complete fee schedule visit www.usbankcampuscard.com. ELECTRONIC PAYMENT Can I write a check or make E-check payments from my account? No. The card is a prepaid Debit MasterCard and can be used to make purchases, online and instore, wherever MasterCard debit cards are accepted.