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BCMS is an Elavon Payments Partner & Registered MSP/ISO of Elavon, Inc. Georgia. © 2013 Banc Certified Merchant Services.

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Powerful, Integrated Business Solutions from BCMS

Payroll Cards

About BCMSFormed over two decades ago, Banc Certified Merchant Services (BCMS) has grown to handle more than $220 million a month in processing transactions. BCMS is a leader in the merchant services industry; we enjoy the distinction of being the registered service provider for two of the most respected banks in the world (Bank of America and US Bank). We offer a unique selection of products and services designed with small business owners in mind, including Credit Card Processing, Mobile Processing, Merchant Cash Advances, ACH and Check Services, etc.

At BCMS, our business solutions have three elements for success: a design that meets the needs of small and mid-sized businesses, the speed and highest level of security in electronic communication, and Account Executives dedicated to client satisfaction. These principles have earned us an A+ reliability rating from the Better Business Bureau and respect in the industry.

Why Do I Need Payroll Cards?

The payroll card allows you to save more by cutting costs in check printing and shipping. For a company that issues paper checks, you can save an average of $13,000 annually.* (*You can save on average $260 annually per check issued. Calculation based on issuance of 50 checks).

Where Can the Payroll Card be Used?

The payroll card can be used at any of the thousands of merchants worldwide that accept Visa®, STAR®, Cirrus®, Plus®, or Maestro® branded cards. It can also be used on online for purchases and even to pay bills!

Can the Payroll Card be Issued to an Employee Without a Checking Account?

Yes, the payroll card is perfect for unbanked employees. The payroll card acts like a debit card—no bank account is required. Unbanked employees can stop paying check cashing fees immediately.

WHAT IS A PAYROLL CARD?

Payroll cards are the perfect solution for companies of all sizes. A payroll card is a reloadable card that provides a secure, convenient, low cost alternative to payroll checks. Employee payroll is automatically direct deposited into an account, and your employees withdraw money or spend it by using the card. Participating employees don’t need a banking relationship. With the payroll card, you will reduce the high costs of payroll administration, gain operational efficiencies, and enhance employee security and control. EASY TO ISSUE, EASY TO USE

You can easily issue payroll cards to anyone in your organization. The payroll card allows you to use existing payroll processing systems; direct deposits continue to be handled as they are currently at your company. Once employees’ salaries are loaded onto their personal cards, they gain immediate access to their funds. Employees can withdraw the amount of cash they want, up to the full amount of their salaries if they choose at any Visa® ATM.

FEATURES AND BENEFITS INCLUDE:

▪ Provides immediate access to paycheck ▪ Can be used anywhere Visa® is accepted ▪ All point-of-sale transactions are FREE ▪ Withdraw cash from all ATMs ▪ Receive all forms of direct deposit including refund,

social security, and unemployment ▪ Easily replaced if lost or stolen - funds are FDIC

insured ▪ Make purchases and pay bills online ▪ Receive text/email alerts for balance or deposits ▪ Bilingual live cardholder support ▪ Use FREE and UNLIMITED for point of sale

purchases, and that includes “Cash Back” ▪ Load cash manually onto the card at participating

MoneyGram® and Visa® Readylink Locations ▪ Pay bills and make purchases online ▪ Receive a 2nd card for sharing money with family ▪ Receive text message alerts including:

▪ Funds added ▪ Low balance ▪ Weekly balance and more

▪ Employees can use the payroll card with their second or next job

▪ Check balance for free over the phone ▪ Manage your account online

SAMPLE CARDHOLDER FEES

Service Fee

Cardholder set up & enrollment fee Free

Online account statement/account management Free

Purchases at point-of-sale (POS) terminals (debit & credit) Free

Cash back at retail point-of-sale (POS) terminals Free

Toll-free telephone account balance inquiry Free

First Bank Teller withdrawal per pay period Free

Cardholder monthly maintenance fee Free

Optional Cardholder Services

Text message alerts (direct deposit/low balance) $0.29

ATM transactions $1.99

Bank teller cash advance (after one free per pay period) $6.95

Additional cards for family members (US or International) $10.00

International ATM cash withdrawals $5.00

International ATM other transactions $3.00

Online bill pay (each) $1.00

Personal banking services (live) $3.95

Paper account statements $3.00

Replacement card fee $10.00

Telephone VRU transactions $1.00

Card-to-bank account transfers $2.95

Point-of-sale (POS) denial fees/card-to-card transfers $0.50

Example only—fees are subject to change.