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Spectrum Payroll Card FAQs

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Frequently Asked Employer Questions

 

 

 

How can my employees access their pay with their Spectrum cards?
Employees can access their pay with their Spectrum cards in a variety of ways:

  • By withdrawing cash at an ATM.
  • By making a purchase at millions of locations that accept Visa debit cards.
  • By receiving cash back when making a purchase at participating Visa merchants.

 

 

How are the cards funded?
As with a direct deposit to a checking account, the cards are funded through an ACH transmission. Regions Bank provides the routing and transit number as well as a unique program identifier that directs the funds to a specific payroll account.

 

 

Does each employee need to have an account with Regions Bank?
No, a Regions account is not required.

 

 

What functions can the employer perform at the https://www.paycardsolutions.com/Spectrum site?
You can use this site to:

  • Set up employee payroll card accounts.
  • View employee account profile information.
  • Change/update employee account profile information.
  • View the status of your cardholders.
  • Review history of your deposits to the card.

 

 

How do employees determine their available balances?
Employees can check their current balance in several ways:

  • By calling the number on the back of their card: 1-800-710-4785.
  • By logging onto this Web site, https://www.consumercardaccess.com/spectrum, and going to the Account Balance page.
  • By performing a balance inquiry at an ATM.

 

 

How do employees get their cards?
After you have set up the employee's account using the secure website, the Spectrum card and the employee's PIN will be mailed to the employee's home address in separate envelopes within 7 to 10 business days. Employees must activate their cards before funds can be loaded.

 

 

Can employees add other funds to their cards?
No, at this time, only their payroll can be added to their Spectrum cards.

 

 

Can employees request a second card for another person such as a family member, in that individual's name?
Not at this time.

 

 

What happens to the balance on the Spectrum Payroll card when an employee leaves the company or is terminated?
The Spectrum card is established for your employees based on their employment with your company, and it is not transferable. You have a couple of options if an Employee is terminated. You may call Treasury Management Services Client Support at 1-800-787-3905 to report the employee has been terminated. We will move the money off the card and put it in your company account. Then you will need to issue a check for that balance plus whatever is owed the employee for time worked. We will then close the card. To avoid an Employee using his card after it has been closed, please inform your Employees of this route. You can also give your Employees a specific amount of time to deplete funds off the card once terminated. A Visa Cash Advance can pull the entire balance from the card  at one time.  After the allotted time is up you can close the card by calling 1-800-787-3905 and issue a check for the remainder.

 

 

What happens to unused balances?
After three months with no activity, the card becomes inactive. Inactive cards are charged a monthly inactivity fee.

 

 

What happens if the card is lost or stolen?
Employees should call the toll-free customer service number, 1-800-710-4785, to notify Spectrum Customer Service that the card has been lost or stolen. This will prevent it from being used by unauthorized people. They will then issue a replacement card and any remaining balance will be transferred to the new card. A card will not be re-issued if its status is anything other than "active."

 

 

Do Visa consumer protections apply to this card?
Yes, all Visa consumer protections apply, including the right to dispute transactions and the Visa Zero Liability policy. The Visa Zero Liability policy guarantees $0 liability to all Visa cardholders who are victims of fraud for all signature-based purchases of goods and services.

 

 

Is it legal to mandate payroll cards in the states where I have employees?
For questions about the legality of payroll cards, please contact your state employment office.

 

 

Will Regions provide any training or instructions on how to use the Spectrum Payroll card for my employees?
Yes, we offer an Employee Welcome Packet equipped with FAQs, a User Guide, an Employee Authorization Form, and Terms & Conditions to help you teach your employees the best way to use their cards. These packets can be created by your Human Resources Department using the Employer CD we provided. Contact your local Sales Officer or Treasury Management Client Support at 1-800-787-3905 to request a duplicate Employer Introduction CD.

 

 

Does the first card payment require a prenote?
No, the first transaction you send to the card can be a live transaction. However, as with any other ACH service, it is your responsibility to insure the correctness of the ACH transaction. You will also be solely responsible for any and all returns related to funding Spectrum cards. For more information regarding ACH Origination, please refer to your NACHA Corporate Rules book or http://www.nacha.org.

 

 

How are corrections handled?
You can call 1-800-737-3905 and Client Services can make an adjustment to the card connected with you're account. 

 

 

How long does it take for funds to be applied to the card and available to the employee?
Standard ACH rules apply. Regions Financial Corporation recommends that you deliver the funding file to us no later than two to three days prior to settlement.

 

 

Is there a minimum or maximum payment limit?
Although there is no minimum payment amount, the maximum allowed on the card is $10,000.

 

 

Are there any special ACH rules or requirements I should be aware of?
No, this service uses all standard ACH rules and procedures.

 

 

How can I pay an employee who has lost their card but has not received their replacement card yet? Emergency Payments?
Regions recommends that you pay the employee by check for the immediate need.

 

Will balances remaining on a lost or stolen card be automatically transferred to the new card or will I be required to move the funds?
Employees should call the toll-free customer service number, 1-800-710-4785, to notify Spectrum Customer Service that the card has been lost or stolen. This will prevent it from being used by unauthorized people. They will then issue a replacement card and any remaining balance will be transferred to the new card. A card will not be re-issued if its status is anything other than "active."

 

 

Is there a limit to how many payments one employee may receive during a month?
No, there is no limit on how many times you may add funds to the card.

 

 

How long does it take to post payments to an employee's card?
Standard ACH rules apply. Funds will be made available on the open of business on the settlement date.

 

 

Will the employee receive a monthly statement?
Yes, each cardholder will receive a monthly statement. You and/or the employee will have the opportunity to turn off statements.

 

 

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