Any individual who is over the age of 18 and meets the U.S. PATRIOT Act and its legal compliance guidelines may apply for the card.

A U.S. Citizen must have a valid social security number and a verifiable address to apply. 

If you are a Non-U.S. Citizen and do not have a valid Social Security Number, you must:

1. 1) Complete your application, and
2. 2) Submit a non-expired government-issued PHOTO ID and U.S. address verification document
   (see item #3 below)
   

   Acceptable forms of Identification	ID Must Clearly Show Your PHOTO, plus:
   Passport	Country of Issue
   Driver's license	Expiration Date
   Government Issued I.D.	Date of Issue
   Non-Driver's ID	Registration Number (if available)

3. 3) Include with your application: A copy of a current monthly bill (utilities, rent, etc.) that shows your full name and current U.S. address, OR proof of local residence using a 3rd party preprinted document (lease, school registration, etc.) that will validate your address.

NO. There is no contract required for card registration—based on a set amount of weeks, months or years. Your signature on the card application form confirms your AGREEMENT to all card regulations, terms and limitations.

The Primary Cardholder is solely and legally responsible for the use(s) of the FamilyCash™ Prepaid MasterCard® and the Global Family Card™.

NO. You must apply using your personal information.

NO. There is no credit check required to get a FamilyCash™ Prepaid MasterCard®.

Once approved, the cards will be sent by U.S. Post office to the mailing address on your application. Allow 10-14 working days (in most cases) for delivery.

Your FamilyCash™ Prepaid MasterCard® is welcome at millions of locations worldwide—and through internet and mail order sites—wherever debit MasterCard® cards are accepted. ATM services are available at over one million locations worldwide.

Our card authorizes payment by SIGNATURE or PIN CODE. The choice is likely to be determined by the retailer. In most retail store situations, we suggest the use of signature authorization (CREDIT BUTTON on terminal). Should the retailer recommend the use of DEBIT, and you accept, it works with equal effectiveness in authorizing the payment for your purchase. At all times, a receipt is given by the retailer for your records and the funds are immediately removed from your balance.

NO! Prepaid Cards permit transactions ONLY if the balance available is sufficient, otherwise the payment is rejected.

When you return a purchase originally paid with your FamilyCash™ Prepaid MasterCard®, the merchant will credit the amount of the return to your card. Returns are handled via the merchant's bank. Credits may take 2-3 business days to appear in your account.

Call customer service at the number that appears on the back of your card or email info@T4Lcard.com to advise the date to turn off your card. No closing advice will be processed without positive identification of the primary cardholder. If you wish to close your account and have a check mailed to you for the remaining funds available on your card, contact customer service and the check will be processed for a small fee.

Neighborhood Retail Locations: Retail—walk-in—load locations will process your load and issue a receipt for you in a few minutes. Since the load is processed in real time, the money is ready for immediate use through your card. Go to www.T4Lcard.com / loading locations for directions to the retail loading locations closest to you. Our retail—walk-in—loading locations can be found in your neighborhood and throughout the United States.

Direct Deposit: Have payroll, dividends, disability and government checks (e.g. Social Security, Medicare, Welfare, etc.) automatically added directly to your FamilyCash™ Prepaid MasterCard®. Your payment is credited to your account the same business day and ready-for-use. Forms are included with your cards and PIN.

ACH Direct: The Automated Clearing House is an efficient and highly reliable national system for electronically transferring funds. Some banks allow account holders to transfer money directly to another financial institution using ACH.

Bank Wire Transfer: Send a Federal Reserve Wire Transfer from any bank or financial institution. Your payment is credited to your account the same business day it is received.

PayPal®: You must sign up for a free PayPal account at www.PayPal.com before loading your FamilyCash™ Prepaid MasterCard® using PayPal services. Instructions for loading your card via PayPal are found at www.T4Lcard.com. Log into your cardholders account and click the "Add Cash" option.

YES! Your account can safely provide money to your family back home —or in another state—simply and affordably. The receiver must have a Global Family Card™ to gain access to ATM machines (Maestro® / Cirrus®) and be able to withdraw money. You can share money with your family at schools, military bases and correctional institutions that utilize ATM machines and support the network we use.

Was developed to allow your family to safely receive the money you provide them through ATM locations (FDIC insured, PIN CODE security) worldwide—24/7. ATM locations that accept Maestro® and Cirrus® cards can be found at www.mastercard.com.

The card is accepted by participating retailers—in your family's home town and worldwide—who accept Maestro® as a secure form of payment. Cash back is, also, a feature available from participating retailers.

Balances can be held on the Global Family Card and are 100% protected by FDIC insurance worldwide

Yes. You can transfer funds from your FamilyCash™ Prepaid MasterCard® to any authorized U.S. bank account by logging into your T4L account online and selecting "MoneyShare™".

Log on to your T4L account online at www.T4Lcard.com and select "My Account" and then choose the information you seek, i.e. balance, spending summary w/ fees, and transaction history.

No. Your FamilyCash™ Prepaid MasterCard® does not require a minimum balance. A reminder: to keep your card active and eligible to utilize all the cardholder services you are required to pay the monthly activation fee of $4.95. The fee to keep the Global Family Card™ active is $2.00 per month. Cards that maintain a zero balance for 60 days will be automatically cancelled.

Immediately call the T4L automated customer service number at 1-866-450-0209 to report your FamilyCash™ Prepaid MasterCard® or Global Family Card™ has been lost or stolen. A replacement card will automatically be issued to the Primary Cardholder's mailing address for a $10 fee plus postage. T4L maintains a zero liability policy for lost, stolen cards that are reported within 48 hours of the loss.

T4L's customer service representatives are available by calling 1-866-450-0209. If you choose to use live operator assistance, your account will be billed $1.00 per minute.

Monday through Friday from 5 AM to 11:00 PM (MST)
Saturday and Sunday from 6 AM to 6 PM (MST)

All cardholder service orders can be made 24 hours a day, 7 days a week through our automated customer service phone line (see above) or through our website at www.T4Lcard.com.

Send a letter to:

                Transfers4Less International LLC
                c/o Transaction Dispute
                3334 Long Beach Rd, #139
                Oceanside, NY 11572
                

To send a fax: 516-432-1902
To send an email: info@T4Lcard.com

All disputes must be authenticated by Primary Cardholder signature. Any dispute claim missing any of the information required (below) may result in a delay in processing your dispute, please refer to the Terms & Conditons for further details.

Information required to dispute a transaction:

1. Primary cardholder name and account number
2. Mailing Address
3. Contact phone number and e-mail address
4. Account password
5. Receipt and description of the transaction being disputed.

The FamilyCash™ Prepaid MasterCard website uses the latest 128-bit encryption technology to secure your account and personal information online. www.T4LCard.com follows strict procedures to ensure that your account and personal information is never shared or misused in any way. For more information regarding your privacy, please view our privacy policy.

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