Frequently Asked Questions:

What is a Prepaid account?

A prepaid card is a payment and cash access device. It is not linked to a checking account. Instead, you can only spend the money you loaded onto the prepaid card in advance. You cannot spend more money than you have already loaded onto it.

Can I get the OfficeCard Prepaid Mastercard® if I am not a US Citizen?

Yes. We require a valid unexpired form of US Government issued photo-ID (Passport, Driver’s license or State issued id; Military id, Mexican Matricula Consular card, current permanent resident alien id card). In addition, you will need to provide your name, date of birth, and proof of a valid US physical address (Social Security Card or Individual Taxpayer Identification Number ITIN).

How do I link up my account with my employer or vendor?

Get paid in real-time by setting up your direct deposit  and vendor connect to link  your paycheck, federal/state benefits, and more. Initial set-up can take up to 2-5 business days before you will see your first real-time payment. For directions on direct deposit please login to the cardholder portal at Direct Deposit and select direct deposit on the Card Account Info tab or call customer service.

You can also load cash onto your card using Mastercard® rePower or GreenDot® @ the
RegisterTM reload network locations (see
repower-locator.html or for
participating merchant locations). 

Why do I need to Register my card?

In accordance with the USA Freedom Act (H.R. 2048, Pub.L. 114–23), in order to minimize the risks associated with money laundering and terrorist funding, individuals are required to provide certain personal information to the issuing institution (Sunrise Banks, N.A.) in order to open up a card account. Registering the card also helps us with serving you as our customer, and in replacing the card if it is lost or stolen.

Is it available in my country?

Currently OfficeCard is only available in the continental United States.

What is the maximum/minimum that I can load on my prepaid account?

The minimum load on your card is $10.00. The maximum load amount is $9.999.00, depending on the method of loading funds. The maximum amount of value that can reside on the Card Account at any time is $9,999.00.

How do I use my card at an ATM?

Your prepaid card may be used to withdraw cash at more than one million ATM’s worldwide. You will need your card and your PIN (personal identification number) to use your card at an ATM. Your PIN will be set when you activate your card account.

What is my PIN and what is my PIN used for?

A PIN is a 4 digit numeric code used to identify and authenticate you as the cardholder. You will receive your PIN when you activate your card. Please remember this number, and do not, for any reason, share it with anyone. Please note as well that we will never ask you for your PIN if you call us for customer service. Your PIN will be required for use at the ATM or for debit transactions at point of sale.

How do I change my PIN?

What happens if I forget it? You can change your PIN by accessing your account and selecting the “Manage PIN” function or calling the Interactive Voice Response number at 1-833-633-4230. If you forget your PIN, customer service can also help change your PIN.

Can I use the card to shop online?

Yes you can. Many retailers will ask you, in addition to the card number and expiration date, for your name and address.

Can I use the card to rent a car?

Yes. Your card can be used to reserve and rent a car. Please be aware that the rental car company will place a pre-authorization on your card balance. Discuss this with them and make sure that you have enough money on the card to cover the pre-authorization. Also, when returning the car, you might ask the rental company to charge your card for the exact amount of the rental and release the pre-authorization.

Can I use the card to buy gas?

Yes. Please be aware that the gas station will pre-authorize the card for an amount ranging from $50 to $100. Please make sure that you have enough money on the card to cover the pre-authorization. Once you are finished at the pump, you can also request that the merchant charge the card for the exact amount and release the pre-authorization. Not all merchants will honor this request, please see FAQ What are Pre-Authorization hold below.

What are Pre-Authorization holds on my account?

In situations where the exact fee for a service or good is unknown until after the service/good has been received, the merchant may apply a pre-authorization for a specific dollar amount. Examples include car rentals, hotels, restaurants, salons, airline tickets and gas stations. Pre-authorizations are used to reserve a certain amount from your card to make sure that money is available to complete the transaction once the final amount is known. Pre-authorization charges are usually reversed in 7 to 10 business days once the actual charge is applied to the card. A hold is an authorization on your account that has not yet been collected by the merchant. The funds are in a hold status because the merchant has been authorized to collect those funds. The Balance is the amount of funds available on the card after pre-authorizations and holds are deducted. After login, the Card Account Details include the Holds and Balance on the account. We advise all cardholders with pre-authorizations or holds to check their balance via your account at and contact the merchant if the pre-authorization or hold is not released.

How do I share money with my Prepaid Card?

Funds can be shared between two registered OfficeCard Mastercard’s by using the “Money Share” option on after logging in with your account information or by calling Card Services at 1-833-633-4230. Share with friends, family, or even co-workers!

How long does my physical OfficeCard take to arrive?

Your card should arrive in the mail 7 – 10 business days after you register to get your OfficeCard Prepaid Mastercard®.

How do I report my card lost or stolen?

You can report your OfficeCard Prepaid Mastercard® lost or stolen by contacting Card Services at 1-833-633-4230.

How do I check my balance?

You can check your balance by visiting our web site or by calling our Interactive Voice Response line at 1-833-633-4230. You will need to know your prepaid card number and your PIN to check your balance on our web site and on the Interactive Voice Response.

How do I close my card or account?

You can close your card by contacting Card Services at 1-833-633-4230 and requesting a card close. You will receive a check in the mail for the available balance on the card at the time of close.

Using OfficeCard

Cardholder Agreement
Privacy Policy

General information

Card Support

8:00am-5:00pm CT, Monday-Friday
(Customer Services for current card members)

The OfficeCard Prepaid Mastercard®  is issued by Sunrise Banks N.A., St. Paul, MN 55103, Member FDIC, pursuant to a license from Mastercard International. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International. These cards may be used everywhere Debit Mastercard is accepted. Use of these cards constitute acceptance of the terms and conditions stated in the Cardholder Agreement.

Important information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a card account. What this means for you: When you open a card account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. All trademarks and service marks are the properties of their respective owners.

Privacy Reminder: Please do not send personal information such as your social security number (SSN), card number or bank account number in your message.