Cardholder Benefits
CardFlexTM Financial Services presents a cost effective, secure and immediate means for you to access funds from your paycheck, no bank account required! CardFlexTM pre-paid PIN Based ATM Card or Debit MasterCard® enables you to pay for purchases wherever PIN or signature transactions are accepted. It also enables you to withdraw funds from millions of ATM's worldwide giving you immediate access to your paycheck as and when needed.
Save Money!
Eliminate check-cashing fees applicable when converting paychecks to cash. No more waiting in long lines and paying an average of 3% of your paycheck to access your hard earned cash!
Save Time!
Receive immediate, free access to 100% of wages on payday.
No More Late Fees!
Utilize CardFlexTM Bill Pay Option and have Payments Automatically Deducted from your CardFlexTM Prepaid MasterCard®!
Long Distance Phone Card!
Your CardFlexTM Prepaid MasterCard® can be used as a Long Distant Phone Card to keep you in touch with your family worldwide.
Cash Advance Access!
Provides easy access to additional funds that can be repaid out of your next paycheck.
Who qualifies for Cash Advance?
- Available to those with regular payroll deposited to the card
- Guaranteed Approval with No credit check or Bank Account required
- 3 payroll deposits and you qualify to cash advance up to 25%, (or maximum of $300.00) of your average paycheck
- 10 payroll deposits and you qualify to cash advance up to 50%, (or maximum of $600.00) of your average paycheck
How Do I Access Cash Advance?
- Requests can be made via the Web or a Toll-Free phone call (IVR)
- Advances are made in increments of $20.00
How much is it to Access Cash Advance?
- CardFlexTM Financial Services will collect $2.50 per every $20.00 advanced from the next deposit.
Benefits to Cash Advance
- More convenient and less costly than other loan alternatives
- Borrow only what is needed. No need to borrow hundreds of dollars with expensive fees
- Positive settlement is reported to 3 major Credit Bureaus for credit building
Other Benefits to CardFlexTM Payroll Card
- MasterCard® Signature: More utility and prestige by upgrading to MasterCard® Signature.
- Transfer Money: Domestically and/or internationally using the Companion Card. Money transfers are immediate and less costly than conventional means. Employees who regularly send part of their paycheck to family abroad are believed to pay as much as 15% of the amount transferred.
- Bank Account Transfer: Transfer funds from your bank account to any bank account via the Web.
- Free Account Access: Access your account free through the Web or toll-free system.
- Free Direct Deposit Loads: Have your paycheck deposited onto your payroll card at no additional cost.
- 1 Free ATM Withdrawal for each pay period
- Free Signature Transactions (MasterCard® Only)
- Free, Live Customer Service: Customer Service is available 24 hours a day 7 days a week and is available in Spanish and English
- Your Account for Life: Load funds from other sources, employers, government benefits for as long as you want
