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Frequently Asked Questions (FAQ)

 

  1. Question: How does my Aeropost International Services, Inc. Debit Master Card® Card work?

    Answer:  Your new card is a prepaid card that can be used anywhere Debit Master card is accepted worldwide, including ATM's. It works like a traditional Master card® Card, except there is no credit line; you pay as you go by pre-paying the amount you wish to spend.

  2. Question: What is the life of my card? (Expiration Date)

    Answer: Your card is good for 10 years after the date of activation as long as you have funds on the card. If after three months your card is not used, it will become invalid and you must order a new card and submit a new application to our local agent.

  3. Question: Where can I withdraw cash?

    Answer: You can use your card to withdraw cash from any ATM machine that accepts Master card®, Maestro® or Cirrus®. Select "Withdraw from Checking" and enter the amount of cash you wish to receive. You can also receive cash back from many stores while making purchases. Most large grocery chains will allow you to do this simply by asking for cash back while making a purchase. The maximum amount of cash you are able to receive is set by each store.

  4. Question: How do I check available balance?

    Answer: You can check your account balance 24/7 either on our card provider’s web site at www.unibancard.com or by calling our Cardholder Support Number in the United States at 888-986-4226 and follow the prompts, or you can also review your balance at an ATM machine.

  5. Question: How is the monthly Fee applied:

    Answer:The monthly fee is only applied for the months that you fund and use your card. If there is no balance on your card no Monthly fee is charged. There is also no accumulation of monthly fees. For example if you do not use your card or have a balance on the card for 2 months, then on the third month you fund the card, you will not be charged $15.00 but rather $5.00

  6. Question: What is my PIN

    Answer: With your new card you received an envelope containing your Pass code and PIN. Your Pin is your PERSONAL IDENTIFICATION NUMBER for use for checking balances, withdrawing cast at approved ATMS or using the card as a debit card

  7. Question: What is my Password?

    Answer: Your password is a temporary password for logging into the online site to check your card balance or to  transfer funds to another card or other online information that you need for your card. The online log in site is www.unibancard.com

  8. Question: How do I get a card with my name on it?

    Answer: After you have funded your card for the first time, you will be sent a Platinum card with your name on it within 60 days.

  9. Question: When I fund my card at a local agent, how much does this cost?

    The local agent will charge you foreign transaction fees, usually $5.00 and issue you a receipt. Then when the funds are transferred to your card, $2.50 will automatically be deducted from your card.

  10. Question: If I do not use the card for 2 months and the card has no balance on it, will I be charged the $5.00 monthly fee?

    Answer: No, when you do not use the card for a month, and have no funds on your card, you will not be charged retroactively the months that you do not use the card.

  11. Question: I checked my balance, and I had $25 on my card. When I went to use it at the gas pump or a restaurant, it was declined. Why?

    Answer: In both cases, the merchant did not know the exact amount you were about to charge to the account. In the case of the gas pump, you could be filling up an economy car or a motor home. Fuel merchants often pre-authorize for a range of $1 to $30. If you do not have the upper amount available in your balance, you are declined. The same is true in a restaurant; when a $25 bill is authorized, you still may wish to tip. Restaurants often authorize for 20% over the face amount on the bill. We recommend you keep a $100 "cushion" in your account to allow for these instances.

  12. Question: How can I check my transaction history?

    Answer: Transaction history can be viewed 24/7 on our card provider’s web site www.unibancard.com  or by calling our Cardholder Support Number in the United States at 888-986-4226.

  13. Question: Are there any fees associated with the use of my card?

    Answer: All applicable fees are listed in the Terms and Conditions for each of our products. Please click here to see the fees.

  14. Question: Can I get a second card to give to a friend or family member?

    Answer: No. At this time we are not offering this service.

  15. Question: Can I return merchandise that I purchased with my card?

    Answer: Yes. Web and store merchants will credit your returns back to your Debit Master card® Card as they would any other Master card purchase. You must contact the merchant directly.

  16. Question: What if I have bad credit? Can I still get this Card?

    Answer: Yes. Since this card is not a credit card, there is no application or credit check required.

  17. Question: Is this card anonymous?

    Answer: No. The cardholder's name is embossed on the permanent  card that will be sent to you and the primary cardholder's personal information is kept in secure files. For your security, all personal information provided during account set-up will be verified.

  18. Question: I have forgotten my PIN number, how do I get a new one?

    Answer: Yes. You can change the PIN by calling our Cardholder Support Number at  888-986-4226 and following the prompts or by logging on to our web site, clicking the Cardholder Login button and following the on-screen instructions.

  19. Question: What should I do if my card is lost or stolen?

    Answer: Call our Cardholder Support Number at 888-986-4226  immediately to report a lost or stolen card and to order a replacement card.

  20. Question: Why did my balance only decrease by $1 after I made a purchase?

    Answer: Occasionally, telephone or online merchants do not immediately charge customers the full amount of the purchase. They will “authorize” the account for one dollar to be sure that the account is valid, and then debit the full amount of the purchase when the goods are shipped. This is a routine practice that affects all credit and debit card users, and the merchant will return the authorized $1 to your account within 30 days.

  21. Question: I bought something but my balance doesn’t show any money being taken off. Why?

    Answer: Many online and phone merchants do what’s called “batch authorizations.” This means that they take numerous orders over a period of time and submit them all at once for authorization at a later time. When your card is approved at that time, you’ll see the funds deducted from your balance.

  22. Question: How do I re-load my card?

    Answer: You can re-load your card using the following:

    1. Your new Aeropost Debit Card can be funded at more than 50,000 locations in the United States.

    Through the Green dot network.Go to any one of the locations identified below and buy a “Money Pak”. Then call the 800 number on the back of the money pack and have the funds transferred to the number on your debit card.



    		 

    2. You may fund at our approved agents offices:
    Saint Lucia (SLU)
    Barbados (BGI)
    Saint Vincent (SVD)
    Belize (BZE)
    Local foreign currency transaction fees may apply, check with our agent to determine local fees.

    3. Wire money to the Aeropost Account and your debit card will be funded within 24 hours. Check with our local agent for wiring instructions. Once you have wired your money, you must then log into MY AERO and inform Aeropost of the wiring information for us to appropriately fund your card:

    Bank Wire

    Payroll Deposits
    If the cardholders’ employer offers Direct Deposit the cardholder may have their salary deposited directly onto their Aeropost Master card each pay period. For payroll deposit Information please call customer service at  (888)-776-0907.

    The employer must also call us and tell us the amount of the wire, the originating bank and the FED transfer number so we can accurately track the load. Please call into customer service with that information.

    Direct Deposit

    If the cardholder has a government benefit the cardholder may have their benefit deposited directly onto their One Bin Master card For direct deposit Information please call customer service at  (888)-776-0907.

    Tell the cardholder to make sure the government uses the ACH method to save them money. We also must get a call to tell us the amount of the wire, the originating bank and the FED transfer number so we can accurately track the load. Please call into customer service with that information.

  23. Question: Can I link my Debit Card to a Paypal Account?

    Answer: Yes, when you open the Paypal account and then link a bank account to your debit card, use the following procedure: Pay Pal Funding.doc

     

  24. Question: How is the monthly Fee applied:

    Answer: The monthly fee is only applied for the months that you fund and use your card. If there is no balance on your card no Monthly fee is charged. There is also no accumulation of monthly fees. For example if you do not use your card or have a balance on the card for 2 months, then on the third month you fund the card, you will not be charged $15.00 but rather $5.00

  25. Question: What is my PIN

    Answer: With your new card you received an envelope containing your Pass code and PIN. Your Pin is your PERSONAL IDENTIFICATION NUMBER for use for checking balances, withdrawing cast at approved ATMS or using the card as a debit card

  26. Question: What is my Password?

    Answer: Your password is a temporary password for logging into the online site to check your card balance or to  transfer funds to another card or other online information that you need for your card. The online log in site is www.unibancard.com.

  27. Question: How do I get a card with my name on it?

    Answer: After you have funded your card for the first time, you will be sent a Platinum card with your name on it within 60 days.

  28. Question: When I fund my card at a local agent, how much does this cost?

    The local agent will charge you foreign transaction fees, usually $5.00 and issue you a receipt. Then when the funds are transferred to your card, $2.50 will automatically be deducted from your card.

  29. Question: If I do not use the card for 2 months and the card has no balance on it, will I be charged the $5.00 monthly fee?

    Answer: No, when you do not use the card for a month, and have no funds on your card, you will not be charged retroactively the months that you do not use the card.