ABOUT THE CARD
What is a KEEPS Prepaid MasterCard?
The KEEPS Card is a prepaid MasterCard that offers a fast, easy, and safe way to receive your settlement award or government benefits. Funds are loaded automatically onto the card – there’s no waiting for checks to arrive in the mail or to clear at the bank, and no need for check cashing services.[back to top
Is the KEEPS Card a credit card?
No. It’s a prepaid MasterCard. Unlike a credit card, funds must be loaded onto your KEEPS Card before you can use it, and any purchases you make will be deducted from your balance.[back to top
Who can sign up for the KEEPS Card?
You must be a client of an attorney or representative who has partnered with us. You must also be a US resident at least 18 years old. We don’t require US citizenship or check your credit, and you do not have to have an existing bank account – to be eligible for a KEEPS Card, you only need to successfully pass identification verification. You can also request a secondary KEEPS Card for a family member. [back to top
Why do you need my Social Security number?
We’re required to obtain a Social Security number by Federal Law (USA PATRIOT Act) to help prevent identity theft and/or other illegal use of the card.* If you don’t have a Social Security number, we may be able to use other government-issued identifying documents, like a foreign passport or Green Card. *IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT:
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions 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 other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. [back to top
When will I receive my KEEPS Card?
After you have completed your enrollment with your attorney or representative and successfully passed identity verification, your personalized KEEPS Card will arrive in the mail at your home within 7-10 business days. If we are unable to successfully verify your identity at the time of enrollment, there will be a delay in delivery of your card until we can successfully complete identity verification. [back to top
USING YOUR CARD
How do I activate my KEEPS Card?
It’s free to activate your card. Just call (877) 984-1809 or visit mykeeps.com
.[back to top
Where can I use my KEEPS Card?
You can use your card to make purchases everywhere Debit MasterCard is accepted, to withdraw cash at over one million ATMs worldwide (surcharge-free at MoneyPass® ATMs!), to get cash back at participating retailers, and to pay bills online or by phone.[back to top
Can I add funds to my KEEPS Card?
Yes. You can have your paycheck, government benefits, or tax refund loaded onto your card through free direct deposit. See the instructions included with your card, visit mykeeps.com or call (877) 984-1809 more information.[back to top
How do I check my transactions and balance?
The easiest way to track your transactions and balance is to sign up for free email or text alerts at mykeeps.com
(standard text messaging rates from your wireless service provider may apply). You can also check your balance by visiting mykeeps.com
or by calling (877) 984-1809.[back to top
Can I use my card for ACH debits?
No. Your prepaid Card Account and associated direct deposit account number cannot be used for preauthorized direct debits from merchants or from utility or Internet service providers. If presented for payment, these preauthorized direct debits will be declined and your payment to the merchant or provider will not be processed.[back to top
Is there a maximum balance?
The maximum amount you can have on your KEEPS Card is outlined in your Cardholder Agreement. There is no minimum balance.[back to top
What fees will I be charged?
There’s no enrollment or activation fee, and you’ll never face overdraft fees or interest charges. All KEEPS Card fees are listed in your Cardholder Agreement, which was sent with your KEEEPS Card and can also be found when you login to mykeeps.com
[back to top
What happens if I return an item?
Like other MasterCard purchases, merchants can credit your return back onto your KEEPS Card.[back to top
What if a purchase is declined?
The merchant will let you know if a transaction is declined. To help prevent this, you can track your balance at mykeeps.com
and you can sign up for free email or text alerts (standard text messaging rates from your wireless service provider may apply).[back to top
Can I pay for gas "at the pump"?
No. Like most prepaid cards, you need to present your card to the cashier before pumping gas.[back to top
] MANAGING YOUR ACCOUNT
What should I do if my KEEPS Card expires?
Your KEEPS Card expires 24 months after date it was ordered. The expiration date is printed on your card. If you have recurring payments or a balance when your card expires, a renewal card will be automatically sent to you at the address we currently have on file for you. Please make sure you maintain an updated address with us.[back to top
How can I update my address?
Visit us on the web at mykeeps.com
and follow the easy instructions to update your address or call (877) 984- 1809 and speak to a customer service representative. It’s important that you let us know about any address changes in case we need to send you important information about your account or mail you a new card.[back to top
] SAFETY AND SECURITY
What if my KEEPS Card is lost or stolen?
Call (877) 984-1809 right away. We’ll issue a replacement card with any available balance. If you report it immediately, you’ll be protected from unauthorized purchases by the MasterCard Zero Liability policy (conditions and exceptions apply – see your Cardholder Agreement). [back to top
Is my money safe and secure?
Yes. Funds on your KEEPS Card are safer than cash and protected in several ways:
- If your card is lost or stolen and you report it immediately, you’ll be protected from unauthorized purchases by the MasterCard Zero Liability policy (conditions and exceptions apply – see your Cardholder Agreement).
- Deposits are FDIC-insured to at least $250,000 through The Bancorp Bank; Member FDIC.
- To prevent unauthorized withdrawals, you must set up and use a four-digit PIN to withdraw cash from ATMs or get cash back at participating merchants.[back to top]
Is my card account information secure?
.[back to top
] KEEPS Rewards*
What are KEEPS Rewards?
KEEPS Rewards are valuable, optional benefits made available only to KEEPS cardholders. KEEPS Rewards can save you time and money. To take advantage of these savings today, visit the KEEPS Rewards section on mykeeps.com
.[back to top
Who provides KEEPS Rewards?
KEEPS Rewards are made available to you by various third-party partners. KEEPS continuously searches on your behalf for the best offers and discounts to save you time and money.[back to top
Am I eligible for KEEPS Rewards?
All KEEPS cardholders are eligible for KEEPS Rewards. However, some rewards may not be available in all states.[back to top
How do I enroll for the various KEEPS Rewards?
Enrolling is easy! Simply visit the KEEPS Rewards section on mykeeps.com or contact our customer service representatives for more details.
This card is issued by The Bancorp Bank pursuant to license from MasterCard International Incorporated. This card may be used everywhere Debit MasterCard is accepted. The Bancorp Bank; Member FDIC. MasterCard is a registered trademark of MasterCard International Incorporated. KEEPS is a registered trademark of KEEPS America, LLC. *The Bancorp Bank is not affiliated in any way with these KEEPS Rewards offers and does not endorse or sponsor these offers.[back to top