Some purchases require you to have a little extra money to account for things like extra charges or tips. Depending on where your card is used, you might need 15-20% more of the actual amount before the purchase can clear. This is in case the final price happens to be higher than previously expected because of fees, taxes or tips.
If you want to close your ABLE for ALL Prepaid Card, go online and freeze your card to stop all new transactions (all pending transactions will settle normally). Then, give us call so that we can officially close your prepaid card account. Any balance remaining on the card will be mailed to you in the form of a check.
If a merchant gives you a credit for merchandise returns or adjustments, the merchant may do so by processing a credit adjustment, which will be credited to the available funds in your ABLE for ALL Prepaid Card. Central National Bank of Enid and Marqeta are not responsible for the delivery, quality, safety, legality, or any other aspects of goods and services that you purchase with your card.
If you do not have sufficient funds available on your ABLE for ALL Prepaid Card to process a transaction, you can request that the merchant charge a part of the purchase to your card and pay the remaining amount with cash or another card. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. If an authorization request for more than the available balance on your card is received, it will be declined.
A prepaid card can hold up to $15,000 at any given time. You can spend whatever is on your card, up to $5,000 within a single day and up to $30,000 per month using your prepaid card. Any transactions that exceed those amounts will be declined. Please refer to your Cardholder Agreement for additional details.
A purchase transaction may read as “pending” until the merchant sends the final transaction amount. In some cases, the amount of a pending purchase could be 15-20% higher because it hasn’t cleared yet. Depending on the merchant, they might hold extra to account for charges or tips. This is true for gas stations, hotels, cruises, mail orders, barbers and beauty shops, taxis and limos, and most commonly – restaurants and bars.
Yes, but please be aware that when the total amount due is unknown (for example when you check into a hotel). Merchants have the right to pre-authorize the purchase, which puts a hold on the funds. A restaurant, for example, might hold up to 20% or more to cover whatever you tip. To avoid this kind of hold, call hotels and rental car companies first to inquire about their prepaid card policy.
When purchasing gas, we strongly recommend paying inside at the cashier. If you choose to pay at the gas pump terminal outside (pay at the pump) you must have at least a $100 available balance on your card. If you don’t have at least a $100 available balance your purchase may be declined.
Yes, you can use your card to shop and pay bills on any website in the United States that accepts MasterCard. You may not use your ABLE for ALL Prepaid Card for online gambling or illegal transactions. Learn more about qualified ABLE expenses.
Once you activate your card and load it with money from your ABLE account, you can use it everywhere in the United States where MasterCard is accepted. You may not use your ABLE for ALL Prepaid Card for online gambling or illegal transactions. Learn more about qualified ABLE expenses.