CaribPay Visa© Deluxe TreasureCard Frequently Asked Questions

It is a prepaid, personal re-loadable Visa branded TreasureCard issued by First Federal Savings Bank of Midwest pursuant to a license from Visa U.S.A. Inc and marketed by TreasureCom Financial Holdings, Inc., under its CaribPay name to CaribPay members who are US residents. CaribPay Visa Deluxe TreasureCards will not be issued to non US residences. Deluxe TreasureCards are prepaid cards and you spend only the amount of funds you place on your card. No bank account needed, no credit checks and no application. It works like a credit card and can be used at ATMs, over the internet and retail stores worldwide. You are in control of your spending. It also helps protect against identity theft and fraud because it is not linked to a bank account. However, the card is linked to your CaribPay account.
<-back to FAQs

You may use the CaribPay Visa Deluxe TreasureCard at 21 million merchants worldwide that accept Visa debit cards (department stores, restaurants, bookstores, grocery stores, online, etc.)
<-back to FAQs

Each time that you use your CaribPay Visa Deluxe TreasureCard to make a purchase, the amount of the transaction is deducted directly from the available balance. The card may be reloaded by you, at any time, through www.CaribPay.com, by phone (1-800-960-9633) with a prepaid TreasureCard, through any bill payment outlets in the USA that uses the MasterCard® RPPS Network (such as check cashing stores and other bill payment services) or through any Bank of America branch by first calling 1-800-960-9633.
<-back to FAQs

Simply present your CaribPay Visa Deluxe TreasureCard any place that accepts Visa debit cards. You will be asked to sign a receipt at the cash register, as you would with any Visa card (you may be asked for a photo I.D.).
<-back to FAQs

Yes. You will need to have the card present at the time you make the purchase.
<-back to FAQs

No, your Visa Deluxe TreasureCard is not a credit card. However, you will be limited by the available balance on your CaribPay Visa Deluxe TreasureCard at the time of each purchase. You may reload additional value at any time through www.CaribPay.com, by phone (1-800-960-9633) with a prepaid TreasureCard, through any bill payment outlets in the USA that uses the MasterCard® RPPS Network (such as check cashing stores and other bill payment services) or through any Bank of America branch by first calling 1-800-960-9633.
<-back to FAQs

Yes, but is important that you tell the merchant that you want to pay the difference between the purchase and the available balance on your card using another form of payment (i.e. check, cash, credit card, or another debit card). Otherwise, your purchase will be declined for exceeding the available funds. You can also reload additional value from your account through www.CaribPay.com, by phone (1-800-960-9633) with a prepaid TreasureCard, through any bill payment outlets in the USA that uses the MasterCard® RPPS Network (such as check cashing stores and other bill payment services) or through any Bank of America branch by first calling 1-800-960-9633.
<-back to FAQs

Yes, at any bank that accepts Visa debit cards and at any automated teller machine (ATM's) which displays the Cirrus or Interlink brandmark.
<-back to FAQs

Yes, there is a $50 maximum limitation per request on cash advances from the money available on your CaribPay Visa Deluxe TreasureCard
<-back to FAQs

If the purchase is declined due to insufficient funds, you can offer to pay the difference using another form of payment or reload additional value to your Visa Deluxe TreasureCard. If it is declined for any other reason, or if you need to confirm your available balance, call the Customer Service number on the back of your CaribPay Visa Deluxe TreasureCard for immediate assistance or call toll free 1-800-940-9633.
<-back to FAQs

You have total control over the available balance on the CaribPay Visa Deluxe TreasureCard. You may choose to spend your available funds anywhere Visa© debit cards are accepted.
<-back to FAQs

You may reload the CaribPay Visa Deluxe TreasureCard through www.CaribPay.com, by phone (1-800-960-9633) with a prepaid TreasureCard, through any bill payment outlet in the USA that uses the MasterCard® RPPS Network (such as check cashing stores and other bill payment services) or through any Bank of America branch by first calling 1-800-960-9633.
<-back to FAQs

No, you have to be registered member of CaribPay in order to be able to order a card for yourself.
<-back to FAQs

No, You can only order a CaribPay Visa Deluxe Card for yourself. However, you may refer someone else to CaribPay and they can apply to become a member of CaribPay. CaribPay membership is free for everyone. A maximum of two (2) CaribPay Visa Deluxe TreasureCards are allowed per CaribPay master account.
<-back to FAQs

<-back to FAQs

How do I get funds into my account at www.CaribPay.com?

You may reload your CaribPay Master account through www.CaribPay.com, by phone (1-800-960-9633) with a prepaid TreasureCard, through any bill payment outlet in the USA that uses the MasterCard© RPPS Network (such as check cashing stores and other bill payment services) or through any Bank of America branch by first calling 1-800-960-9633.
<-back to FAQs

There is a one time $10 fee to order the CaribPay Visa Deluxe TreasureCard, which includes basic cost for mailing within the USA.
<-back to FAQs

All the fees associated with the CaribPay Visa Deluxe TreasureCard are as follows:

• One time Order = $10.00*
• Value Load/Reload = $5.00
• Monthly fee = $2.95
• Domestic ATM Cash Withdrawal = $2.00
• International ATM Cash Withdrawal = $4.50
• Domestic ATM Balance Inquiry = $2.00
• International ATM Balance Inquiry = $4.50
• Domestic POS Transaction = $0.75
• International POS Transaction = $2
• Paper Statement = $5
• Negative Balance - $35.00
• Card Replacement - $10.00.

Yes. Please see fee structure above.
<-back to FAQs

You can load a maximum of $2,500 per day onto the card, and there is a $2,500 total maximum deposit limit per day from your CaribPay master account. The daily ATM withdrawal limit is $1,000. Please review Cardholder Agreement for the most up-to-date information about your Deluxe TreasureCard.
<-back to FAQs

You can get up-to-the minute information about your available amount to spend 24 hours a day, 7 days a week, by going online to your account at www.CaribPay.com or by calling the Customer Care number on the back of your CaribPay Visa Deluxe TreasureCard during normal hours of 8:00 AM - 6:30 PM Monday to Friday.
<-back to FAQs

Yes. Simply call the Customer Care number on the back of your CaribPay Visa Deluxe TreasureCard or call 1-800-940-9633.
<-back to FAQs

No. A paper statement will not automatically be issued. However, you may go online to view your transactions and available balance, or you can check your transactions by calling the Customer Service number on the back of your CaribPay Visa Deluxe TreasureCard or 1-800-940-9633. You may request a monthly statement for a fee of $5, and it will be mailed to you.
<-back to FAQs

Yes, the CaribPay Visa Deluxe TreasureCard is re-loadable. You may reload your CaribPay Master account through www.CaribPay.com, by phone (1-800-960-9633) with a prepaid TreasureCard, through any bill payment outlet in the USA that uses the MasterCard© RPPS Network (such as check cashing stores and other bill payment services) or through any Bank of America branch by first calling 1-800-960-9633.
<-back to FAQs

Our Customer Service Centers are staffed Monday through Friday from 8:00 A.M. to 6:30 P.M. (EST). You may also use go online at www.CaribPay.com 24 hours a day.
<-back to FAQs

No. It is a prepaid, reloadable debit Visa© card
<-back to FAQs

No. This option is not available at this time.
<-back to FAQs

Neither. Transactions made using the CaribPay Visa Deluxe TreasureCard are not reported to the credit bureaus, so using this card will not have an impact on your credit rating.
<-back to FAQs

No. Visa Deluxe TreasureCard may only be used for purchases or cash advances.
<-back to FAQs

Who owns www.CaribPay.com?

CaribPay is a subsidiary of TreasureCom Financial Holdings, Inc, a leading financial services provider.
<-back to FAQs

Yes. Your CaribPay Visa Deluxe TreasureCard is issued by First Federal Savings Bank of the Midwest, member FDIC. You're prepaid funds are covered under FDIC insurance. Also, because this is a Visa debit card, you receive the protection of a Visa branded card. Refer to your Cardholder Terms and Conditions for complete information.
<-back to FAQs

One of our highest priorities at CaribPay is to ensure your privacy and peace of mind. We understand the importance of handling customer information in a professional and confidential manner. We know that privacy is an important element of our customers' confidence in us, and we understand that our customers expect us to collect and retain personal financial information responsibly. We do not sell or disclose our customer information to third party organizations. However, as may be required by law we may provide information to the government if requested.
<-back to FAQs

Immediately call the toll-free Customer Service number that was included with your new cardholder Terms and Conditions and report your Visa Deluxe TreasureCard lost or stolen. A replacement Card will be issued to you.
<-back to FAQs

You have zero liability for the fraudulent use of a lost or stolen CaribPay Visa Deluxe TreasureCard. Please contact us immediately to report the loss or theft.
<-back to FAQs

Your CaribPay Visa Deluxe TreasureCard will expire 24 months from the date it was issued
<-back to FAQs

A New CaribPay Visa Deluxe TreasureCard will be sent to you in the mail. If you do not need a new card and wish to terminate your account, and if you have remaining funds after your card has expired, you may request a refund check. There is a $25 processing fee for this service. (If the amount remaining is less than $25, a refund check will not be issued and the remaining available balance is forfeited.)
<-back to FAQs

No, you will not be able to use the Visa Deluxe TreasureCard after it has expired. It will no longer be valid.
<-back to FAQs

To close your Visa Deluxe TreasureCard account, please call Customer Service at the number on the back or 1-800-940-9633 of your card.
<-back to FAQs

No, there are no closing fees for the Visa Deluxe TreasureCard.
<-back to FAQs

Yes, you can have up to two (2) cards linked to your CaribPay master account. Both Deluxe TreasureCards will be independent of each other and therefore carry their own separate balances. Separate PIN numbers will be issued for each card. It will take 7-10 business days to get your Deluxe TreasureCard(s) from time of order, or you can get it by express mail in 2-3 days for an additional fee.
<-back to FAQs