UMB® and Netspend® have partnered to provide companies an effective and efficient paycard solution. With the commercial payroll card, you can save both time and money by reducing the effort of processing payroll and decreasing costs associated with cutting paper checks. Additionally, this card solution can benefit your associates by helping reduce the amount of fees charged to employees for cashing payroll checks. The Skylight ONE® Visa® prepaid card can be used anywhere Visa debit is accepted.
Please note: Card usage and its features is subject to card activation and identity verification.
How the Payroll Card Works
Every payday, funds are loaded onto the payroll card via direct deposit. Cardholders will have access to their funds on payday, which eliminates the need for employees to receive and cash a paper check.
Our payroll card solution includes a unique Skylight Check1 feature that conveniently allows payroll cardholders to withdraw all of their pay from their card with no fee. To cash a Skylight Check, cardholders call a toll-free number, provide information that identifies them as the authorized cardholder, and follow a series of simple prompts. The authorized Skylight Check can then be cashed at participating locations nationwide.
Payroll Card Features for Cardholders
- Withdraw cash surcharge-free from any ATM in the Allpoint or MoneyPass ATM Networks.2
- Make purchases wherever Visa debit is accepted.
- Receive cash by making PIN purchases when offered by merchants.
How Employers Benefit
- Improves overall direct deposit participation
- Reduces administration costs of payroll production, distribution, and fraud by eliminating paper payroll check volume
- Helps reduce the cost and administration associated with payroll escheatment
How Employees Benefit
- Reduces recurring check-cashing fees
- Provides access to cash withdrawals at ATMs and cash back through PIN-based point-of-sale transactions
- Access to Skylight Checks
- 24/7 bilingual customer service
Questions about your Visa payroll cards? Contact us for more information about payroll cards.
1Skylight Checks can be cashed at no cost at any banking center location of the bank who issued the check (printed on the top of the check), at participating Walmart locations, and at participating ACE Cash Express locations. Other check cashers set their own policies regarding check acceptance and may charge you a fee to cash Skylight Checks. See the Skylight Checks for step-by-step instructions.
2 Surcharge-free ATM options will vary by card program. An ATM cash withdrawal fee applies at ATMs outside the surcharge free network specified in the Cardholder Agreement. A separate ATM owner fee may also apply.
IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account.
WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice.
The Skylight ONE Visa Prepaid Card is issued by BofI Federal Bank pursuant to a license from Visa U.S.A., Inc. BofI Federal Bank, Member FDIC. Netspend, a TSYS® Company, is a registered agent of BofI Federal Bank. Use this card everywhere Visa debit cards are accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.
© 2018 Total System Services, Inc.® All rights reserved worldwide. TSYS®, Skylight, and Netspend are federally registered U.S. service marks of Total System Services, Inc. All other trademarks and service marks belong to their owners.