MannaCard™, the most secure way
to financially support
missionaries in the field.
| 1. |
Is the MannaCard™ Prepaid MasterCard (the "Card") a credit card? |
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The Card is a prepaid card that provides many of the same benefits as a credit card, but it is not a credit card.
You can use the Card for purchases wherever MasterCard debit cards are accepted and at over a million ATMs worldwide. With the Card, you load cash onto the card to increase the Card balance. When you use your Card to make a purchase or to get cash at an ATM, the amount of each transaction, including any applicable fees, is deducted from your Card balance. Please see the Cardholder Agreement as terms and conditions apply.
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| 2. |
How do I get a MannaCard™ Prepaid MasterCard? |
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a. How do I apply for a Card?
The ministry to which you belong or work must first be approved for the MannaCard™ program by Cornerstone Bancard. If you are interested in your ministry signing up for the program, please click HERE.
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b. If my organization is approved, how do I get a card?
Each ministry will determine who is eligible to apply for a card.
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c. How old do you have to be to apply for the Card?
Our minimum age requirement is 18 years of age.
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d. Can I get approved if I have a negative history?
Yes, you can be approved. We do not perform a credit check when considering your application. However, we do verify your identify and perform screening as required by the USA PATRIOT Act. You will be required to provide personal information so that this verification and screening can be performed.
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e. What personal information will you need?
We are required by Federal law to obtain, verify and record information including your name, address, date of birth, social security number and other information that will allow us to identify you.
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f. How do I receive the Card?
The card can be mailed to the cardholder's valid physical U.S. address, or the ministries' offices. If the Card is sent to their offices, the ministry must meet certain security procedures. The ministry will then decide where the card is mailed.
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g. Can I receive a Card if I'm not a U.S. Citizen?
If the ministry resides in the United States and you have certain verifiable documentation, you may be eligible to receive the card.
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b. How long does it take to receive the Card?
You should receive your card within 7-10 business days after your Card is approved.
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| 3. |
Can I apply for more than one Card? |
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Yes, an organization may order mulitiple cards for as many individuals they choose.
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| 4. |
Do I need to activate my Card? |
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Yes, and it is easy! When you receive your Card, you can activate it online at www.mannacard.com or by calling our toll free number 1-877-356-1319. After the Card is activated, you only need to load money to your Card and you can begin enjoying the benefits of the Card. Please note that there are fees that may be charged for issuing and activating your Card. See the Cardholder Agreement for a description of these fees.
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| 5. |
How do I share money with a card to card transaction? |
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If you and friends or family members have prepaid cards offered under the MannaCard™ program, you can share funds through an easy to use online card to card transaction. Both cards must have been activated and one of the cards must have funds loaded that are sufficient for the transfer amount.
To share funds, go online to www.mannacard.com and enter your User Name (or Card number if you have not yet registered a User Name.) Once you have entered your Pass Code (Password), select "Card to Card Transfer" under the "Transactions" menu in the top left of the web page. Enter the card number that you want to share funds with, the dollar amount that you want to share, and YOUR Pass Code. When you hit the "Submit Transaction" button, you will receive a confirmation that the transaction was successful.
That is it! Once you receive the confirmation, the funds are available on the card that you selected and have been deducted from the balance on your Card.
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| 6. |
Can I load my Card using Direct Deposit? |
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No. Funds may only be loaded onto your card by your sponsoring ministry.
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| 7. |
Can I mail funds to you to be loaded onto my Card? |
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No. Funds may only be loaded onto your card by your sponsoring ministry.
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| 8. |
Are funds loaded onto my Card insured? |
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Yes. Funds loaded onto your Card are insured up to $100,000 to the extent allowable by the Federal Deposit Insurance Corporation (FDIC).
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| 9. |
Are there any minimums or maximums on the Card? |
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Yes. The total balance on the Card cannot exceed $10,000 at any time. See the Cardholder Agreement for restrictions on the amount that can be loaded per day.
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| 10. |
Do I need both a PIN number and a pass code? |
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Yes. Your PIN number is used to help you with purchases at retailers and to withdraw funds at an ATM. Your pass code is used as a layer of security to help protect your privacy when inquiring about your Card via our automated call service or with a live Customer Service Representative.
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| 11. |
Can I use my Card at an ATM? |
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Yes. You can use your card at over a million ATMs worldwide!
A PIN will be issued to you when the Card is mailed to you. After you have activated the Card and loaded funds to it, you may use the Card to obtain cash from any financial institution that bears the MasterCard, Maestro®, STAR® or Cirrus® brand. All ATM transactions are treated as cash withdrawal transactions. There may be limits to how much cash may be withdrawn per day and a fee will be charged for each ATM transaction. See the Cardholder Agreement for a description of these limits and fees. These fees are in addition to any fees the ATM owner may impose.
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| 12. |
Can I use my Card to make retail purchases? |
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Yes. You may make purchases at retail locations worldwide wherever MasterCard debit cards are accepted. There may be a fee charged for each transaction. See the Cardholder Agreement for a description of these fees.
Merchants often authorize an amount prior to the actual charge being made. Examples of this would be a gasoline station, restaurant, rental cars or hotel. The authorization will deduct the value available balance once the merchant presents the settlement for the amount of the actual sale. Please note that this can take up to 14 days.
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| 13. |
Can I use my Card to buy gasoline? |
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Yes. When using your card to purchase gasoline, please take it inside to the attendant for authorization before pumping your gas. The card cannot be used at most of the "pay at the pump" machines.
Gasoline stations will often authorize a set amount from your card, typically $35. The amount authorized will be released back to your available balance once the merchant presents the settlement for the amount of the actual sale.
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| 14. |
Can I use my Card at a restaurant or hotel? |
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Yes. Please note that most hotels and restaurants will authorize up to 20% above your total to include a tip or other charges. The amount authorized will be released back to your available balance once the merchant presents the settlement for the amount of the actual sale.
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| 15. |
Can I use my Card to rent a car? |
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Some locations of some car rental companies do not accept prepaid debit cards. If you’re planning to use your Card to rent a car, call your car rental company's customer service to make sure that you can rent a car with it. If they do not accept prepaid debit cards to reserve a car, you may ask to use your personal credit card to rent the vehicle, then pay with your MannaCard when you return the vehicle.
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| 16. |
Can my ministry withdraw funds from my Card? |
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Yes. The ministry can withdraw funds or reduce the available balance on your Card at any time.
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| 17. |
Can the Card ever have a negative balance? |
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Any authorization request that is greater than your Card's available balance will be declined. However, there can be times when a merchant puts an item through without prior authorization. This could cause a negative balance on your card. If an overdraft occurs, you will be charged an overdraft fee. See the Cardholder Agreement for a description of this fee.
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| 18. |
What happens if I need to return an item? |
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In the event you need to return an item you purchased with your Card, the merchant will handle the return in accordance with MasterCard guidelines. The merchant may credit your Card, provide a cash refund or issue a store credit. Please note that it may take 4-5 days for a credit to be posted to your Card.
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| 19. |
How do I check my Card balance or review activity on my Card? |
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You can check your balance and review all activity on your Card online at www.mannacard.com.
You can review balances and transactions on our toll free interactive, automated customer service line at 1-877-356-1319.
You can also select to talk directly to our Customer Service Representatives by calling 1-877-356-1319. See the Cardholder Agreement for a description of the fees that will be charged for this service.
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| 20. |
Will I receive a monthly statement? |
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You have unlimited access to receive an electronic statement online at www.mannacard.com. There is no charge for this service.
If you wish to receive a statement in the mail, you can order one online at www.mannacard.com or by calling our Customer Service Representatives at 1-877-356-1319. See the Cardholder Agreement for a description of the fees that will be charged for this service.
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| 21. |
Can my ministry see the activity on my Card? |
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Yes. Each ministry will be able to monitor all Card activity, including where you use your Card and how much you withdraw from your Card.
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| 22. |
How do I get in touch with you if I am traveling internationally and need to speak with a Customer Service Representative? |
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You can call 1-403-451-8013. See the Cardholder Agreement for a description of the fees that will be charged for this service. These fees are in addition to the telecommunications charges that may be charged by the telephone provider.
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| 23. |
What if my Card is lost or stolen? |
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If you lose your Card or it's stolen, call 1-877-356-1319 to report it immediately and request a replacement Card. See the Cardholder Agreement for a description of how to limit your liability if your Card is lost or stolen.
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| 24. |
What happens to funds on my Card if I close my account? |
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You may request that your Card be closed. The ministry may remove the funds from the Card, you can remove remaining funds by making purchases from retailers or withdrawing cash from an ATM. You may also request that we issue a check to your organization for the remaining funds by calling 1-877-356-1319. See the Cardholder Agreement for a description of the fees that will be charged for this service. Please allow 30 days from the time of your request for your reimbursement check to arrive.
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| 25. |
What if I am a Cardholder and have a question not listed here? |
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You can contact your ministry's financial department to speak to your local MannaCard™ Administrator.
You can call our Customer Service Representatives at 1-877-356-1319. See the Cardholder Agreement for a description of the fees that will be charged for this service.
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* Cards offered by Cornerstone Bancard are issued by MetaBank pursuant to a license from MasterCard International. Cornerstone Bancard is powered by SmartTrack©.
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