The Advantage Card FAQs

When will my money be available?

Funds are available immediately upon loading the card or when a card-to-card transfer is completed.

Where can I use my Advantage Account Pre-Paid Debit Card?

The Advantage Account Pre-Paid Debit Card can be used to make purchases or cash withdrawals everywhere MasterCard debit cards are accepted.

When using my Advantage Account at an ATM, which selection (checking, savings, etc) do I choose for withdrawing funds?

You will want to select CHECKING at the ATM after you enter your PIN number for balance or cash withdrawals.

Is there a limit to how many times I can withdraw cash?

 You may access your card balance as often as you like and make withdrawals up to your available balance. However, there may be a transaction fee associated with each withdrawal. For specific withdrawal limitations and other applicable fees, please refer to the documents received at card enrollment.

How much can I withdraw at one time?


 You may use your card to withdraw up to a maximum of your available balance or up to $500 per day at an ATM, however the maximum amount may be subject to limitations imposed by the owner of the ATM. You may use the card to make purchases or get cash in a branch of any financial institution up to maximum of your available balance or $5,000 per day.

How can I obtain all the funds on my card if my balance is below the ATM cash withdrawal minimum?

 You can obtain cash amounts below the ATM minimum by requesting cash back at a point-of-sale location or by cash advance from any participating bank.

How do I set up text or email alerts for my Advantage Account?

 You can choose text or email alerts when registering your card or visit www.myubadvantage.com anytime to turn on these options.

What do I do if I forget my PIN or need to change my PIN?

 You can call the toll-free Advantage Account customer service line 24/7 at 1-800-416-6373 to receive assistance or visit online customer service at www.myubadvantage.com

What if my Card is lost or stolen?

 Your Advantage Account provides 24-hour toll-free support. Immediately report a lost or stolen card by calling 1-800-416-6373. A replacement card will be issued and any available balance will be transferred to the new card.

What should I do if a store clerk asks me to press "debit" or "credit" when I make a purchase with my Advantage Card?

 Simply select "credit" if you want to sign when making a purchase with your Advantage card. Press "debit" if you are making a PIN based purchase or if you want cash back with your purchase.

What if the purchase is denied?

 The card's available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that use of the Advantage Account at some merchants - for example, restaurants gas stations and mail-order companies - requires the card have an available balance greater than the purchase amount to ensure sufficient funds for tips or incidental expenses.

Can the card ever have a negative balance?

 Normally, any authorization request that is greater than the card's available balance will be declined. However, there may be a situation when a MasterCard merchant puts an item through without prior authorization. In the unlikely event that a negative balance situation occurs, the amount of the negative balance will be automatically deducted from the card reload.

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