List of all Fees for TIB The Independent BankersBank, N.A. Payroll Card Program 

20765I006 

All fees 

Get started 

Card purchase 

Monthly usage 

Monthly fee 

Add money 

Direct deposit 

Spend money 

Per purchase 

Get cash 

ATM withdrawal  
(out-of-network) 

Information 

Amount  Details 

$0 

$0 

$0 

$0.45 

This is our fee.  There is no per purchase fee when you use a personalized, network-
branded card.  

$1.25 

The fee for your first withdrawal per pay period is $0. This is our fee. TIB The 
Independent BankersBank, N.A. does not maintain an ATM network.  Therefore, all ATMs 
are “out-of-network”. You may also be charged a fee by the ATM operator, even if you do 
not complete a transaction.  

Customer service (automated) 

$0.50 

Per call. This fee is charged if you call the number on the back of your card and use the 
automated customer service. 

Customer service (live agent) 

$2.50 

Per call. This fee is charged if you call the number on the back of your card and use live 
agent customer service. 

Customer service (live agent) 

$0 

Per call. This fee is charged if you call TIB The Independent BankersBank, N.A. directly 
at 1-800-924-9222. 

ATM balance inquiry 
(out-of-network) 

$1.00 

This is our fee. TIB The Independent BankersBank, N.A. does not maintain an ATM 
network.  Therefore, all ATMs are “out-of-network”. You may also be charged a fee by the 
ATM operator, even if you do not complete a transaction. 

Using your card outside the U.S. 

International transaction 

3% 

Of the U.S. dollar amount of each transaction. 

International ATM withdrawal 

$4.00 

This is our fee. You may also be charged a fee by the ATM operator, even if 
you do not complete a transaction. 

International ATM balance inquiry 

$1.00 

This is our fee. You may also be charged a fee by the ATM operator. 

Other 

Inactivity 

$0 

Register  your  card  for  FDIC  insurance  eligibility  and  other  protections.  Your  funds  will  be  held  at  or  transferred  to  TIB  The  Independent 
BankersBank,  N.A.,  an  FDIC-insured  institution.  Once  there,  your  funds  are  insured  up  to  $250,000  by  the  FDIC  in  the  event  TIB  The 
is  registered.  See 
Independent  BankersBank,  N.A. 
fdic.gov/deposit/deposits/prepaid.html for details. 

insurance  requirements  are  met  and  your  card 

if  specific  deposit 

fails, 

. 

Contact TIB The Independent BankersBank, N.A.by calling 1-800-924-9222 between the hours of 8am-7pm CST, by mail at Card Services, 
TIB The Independent BankersBank, N.A., PO Box 560528, Dallas, TX 75356-0528, or visit us online at 
https://www2.consumercardaccess.com/main/tib/Home.  

For general information about prepaid accounts, visit cfpb.gov/prepaid. 

If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint. 

 
 
 
 
 
 
 
 
 
 
 
 
 
TIB THE INDEPENDENT BANKERSBANK, N.A. 
PAYROLL CARD TERMS AND CONDITIONS

30316I004

These Payroll Card Terms and Conditions (these “Terms and Conditions”) govern the terms and 
conditions  under  which  you  may  use  a  payroll  card  (the  “Card”).  Please  read  this  Document 
carefully  and  keep  it  for  your  records.  By  signing  or  using  the  Card,  or  authorizing  another 
person to use the Card, you are agreeing to these Terms and Conditions. The card is issued to 
you  by TIB THE  INDEPENDENT  BANKERSBANK,  N.A.,  a Texas  banking  association.  In  these 
Terms and Conditions, the words “Bank”, “we,” “our,” and “us,” all refer to that bank, and the words 
“you” and “your” refer to the person to whom the Card is issued and any other person that you 
authorize to use the Card. 

Obtaining a Card
In order to obtain a Card, you must agree with your employer to receive all or a portion of your 
wages, salary or other compensation from the employer by means of funds loaded onto the Card. 
Your employer is responsible for instructing the Bank to load the amount of funds designated by the 
employer onto the Card each pay period or as otherwise agreed. Once the funds are loaded onto 
the Card, the funds belong to you, and you may use the Card for the type of transactions described 
in these Terms and Conditions.

Availability of Funds
The funds on the Card are available for your withdrawal as provided in these Terms and Conditions 
by the later of (i) our opening of business on your payday or (ii) the close of business on the day on 
which we receive the funds from your employer. If your payday or the day on which we receive the 
funds from your employer, as applicable, is not a business day for us, the funds will be available 
to you by the opening of business on the next business day on which we are open. For purposes 
of  these  Terms  and  Conditions,  a  business  day  is  considered  every  official  working  day  of  the 
week. These are the days between and including Monday through Friday and do not include bank 
holidays and weekends.

Role of Your Employer
The employer is not the issuer of the Card, and is not responsible for your Card or for your use of 
the Card. Your employer will transfer funds to the Bank to load onto your Card according to the 
schedule agreed to by your employer and the Bank. The Bank has no obligation to you in the event 
your employer delays in providing or fails to provide funds to load onto your Card. Your employer 
may  retain  the  right  to  deduct  funds  from  the  amount  stored  on  the  Card  in  order  to  correct  a 
previous  error  or  overpayment  to  you  or  for  other  reasons.  You  hereby  authorize  the  Bank  to 
accept instructions from your employer to add or deduct funds from your Card, and in the case of a 
deduction, to return those funds to your employer. If you have a dispute with your employer about 
the amount of your wages, salary or other compensation, or the amount that the employer loads 
onto or deducts from the Card, you will resolve that dispute directly with your employer and not 
involve the Bank in such dispute. 

About Your Card
The Card is a pre-paid, stored-value card. The Card is not a credit card or charge card. We have 
not established any separate deposit account for you associated with the Card. We do not pay 
any interest on funds stored on the Card. The Card has no minimum balance requirements. The 
amount of funds shown on our records as being stored on the Card will determine the balance on 
the Card, unless you can show us differently to our satisfaction. The prepaid value will decrease as 
you use the Card, or you incur, or we assess, a fee or charge. You may use your Card to access 
funds only to the extent that you have an available balance.

Before Using Your Card
You must sign your Card on the back signature panel. Your Card requires activation which can be 
done  by  calling  Customer  Service  at  1-877-878-0449.  We  encourage  you  to  register  your  Card 
on-line at https://www.onlinepaycard.com/tib. You may also change your PIN, receive Card activity 
and Card information, and view monthly statements via the Payroll Card website.

Your Personal Identification Number (PIN)
A PIN will be issued to you on or around the time the Card is issued. A PIN will be required for 
a  transaction  with  the  Card  at  an ATM. Your  PIN  is  a  security  feature  that  identifies  you  as  the 
proper user of the Card and authorizing any transaction that you make with the Card. It is solely 
your responsibility to not reveal your PIN to unauthorized users of the Card and you assume full 
responsibility for any and all transactions made through your Card with the use of your PIN. If you 
voluntarily give your Card and/or PIN to another person, you have authorized such person to use 
your Card and access your funds, and you will be responsible for their use of your Card. Do not 
write down your PIN. If the security of the Card or PIN is compromised, immediately notify 
our Automated Customer Service toll-free at 1-877-878-0449.

Card Usage 
If  funds  are  available  on  your  Card,  you  may  perform  the  following  types  of  transactions  in 
accordance with these Terms and Conditions.

VISA Branded Payroll Cards
If your Card displays the VISA logo, you may use your Card at any merchant displaying the 
VISA logo as a Signature or POS (point-of-sale) transaction to purchase goods and services 
or at any ATM displaying the STAR®, NYCE®, PLUS and PULSE® logos by using your PIN.

ATM Payroll Cards
You may use your Card at any merchant displaying the STAR®, NYCE®, PLUS and PULSE® 
logos  as  a  POS  (point-of-sale)  transaction  to  purchase  goods  and  services  or  at  any ATM 
displaying the STAR®, NYCE®, PLUS and PULSE® logos by using your PIN.

Card-To-Card Money Transfer
You may instruct your employer to issue more than one Card in your name or in the name of 
another person. Each person you authorize to use a secondary Card is authorized to access 
funds loaded onto your Card, subject to these Terms and Conditions, in the same way as if you 
yourself had accessed those funds. 

Transaction inside the United States

ATM withdrawals after first transaction 
(First withdrawal per pay period is waived)

Balance inquiry

POS transactions (Non-Visa branded cards only)

Transactions outside the United States

ATM withdrawals

Balance inquiry

$1.25

$1.00

$0.45

$4.00

$1.00

International Transaction Fee

Three percent (3.0%)

Other Fees

Automated telephone inquiry

Talk to Customer Service Representative

$0.50

$2.50

The Bank may change these fees in the future upon appropriate prior notice to you.

Non-Usage and Restrictions

•  For any unlawful purpose. We reserve the right to deny transactions or authorizations for any 

unlawful purpose, such as use of the Card to facilitate or participate in internet gambling.

•  To make regular preauthorized payments to third parties.
•  For any car rental establishment, hotel, cruise lines or airlines.

Foreign Transactions
If you make a transaction in a currency other than U.S. Dollars, VISA will convert the transaction into 
a U.S. Dollar amount. The currency conversion exchange rate used by VISA will either be (1) a rate 
selected  by  VISA  from  a  range  of  rates  available  in  wholesale  currency  markets  for  the  applicable 
central  processing  date,  which  rate  may  vary  from  the  rate  VISA  receives,  or  (2)  the  government-
mandated rate in effect for the applicable central processing date. The exchange rate in effect on the 
applicable processing date may differ from the exchange rate in effect on the date you used your Card. 
In each instance,  we  will  add  a  3%  International Transaction  Fee  to the  U.S. Dollar  amount  of  any 
transaction that is made in a foreign currency. If you use your Card to purchase goods or services (or 
to obtain cash from an ATM or participating financial institution) outside the United States even if you 
pay in U.S. Dollars, we will charge and deduct the amount on your Card a 3% International Transaction 
Fee on top of the amount of the transaction. Any International Transaction Fee will be shown in your 
Account History. The same conversion process and fee may apply if any International Transaction is 
reversed or credited back to your account. 

Documentation of Card Transactions
You are entitled to receive the following documentation with respect to Card transactions:

•  At  the  time  you  make  a  Card  transaction  at  an ATM  or  a  merchant  POS  terminal,  you  are 

entitled to receive a transaction record or receipt.

•  Statements  will  be  available  to  you  for  a  12-month  rolling  average  in  electronic  format  for 

viewing online at https://www.onlinepaycard.com/tib.

•  You  may  obtain  your  available  balance  on  the  Card  (i)  at  any  ATM  displaying  the  STAR®, 
NYCE®,  or  PULSE®  logos,  (ii)  by  calling  toll-free  1-877-878-0449,  or  (iii)  via  the  internet  at 
https://www.onlinepaycard.com/tib.

•  To  receive  information  regarding  the  activity  on  your  Card  or  to  request  a  60-day  written 
history of card transactions, you may contact us at 1-800-924-9222 or by writing to us at Card 
Services, TIB The Independent BankersBank, N.A., PO Box 560528, Dallas TX 75356-0528.

Confidentiality of Information on the Card
We will disclose information to third parties about the Card or the transactions you make with it:

• 
• 
• 

If it is necessary for completing a transaction
In order to comply with government agency or court orders
If you give us written permission

Our privacy policy tells how we treat and protect your personal information that we obtain under these 
Terms  and  Conditions  and  by  providing  Card  services  to  you.  By  your  acceptance  and  use  of  the 
Card, you consent that we may make our privacy policy available to you in an electronic format via the 
internet at https://www.onlinepaycard.com/tib.

Your Liability for Card Use 
If you believe the Card or your PIN has been lost or stolen, you must notify us IMMEDIATELY at 
1-877-878-0449, and report it to your employer.

Tell  us AT  ONCE  if  you  believe  your  Card  or  PIN  has  been  lost  or  stolen,  or  if  you  believe  that  a 
transaction  has  been  made  without  your  permission  using  information  using  your  Card  or  PIN. 
Telephoning is the best way of keeping your possible losses down. You could lose all the money in 
your account. If you tell us within two (2) business days after you learn of the loss or theft of your Card 
of PIN, you can lose no more than $50 if someone used your Card or PIN without permission. 

If you do not tell us within two (2) business days after you learn of the loss or theft of your Card or 
PIN, and we can prove we could have stopped someone from using your Card or PIN without your 
permission if you had told us, you could lose as much as $500.

If you do not notify us within 60 days after the statement was made available electronically to you, you 
may not get back any money you lost after the 60 days if we can prove that we could have stopped 
someone from taking the money if you had told us in time. If a good reason (such as a long trip or a 
hospital stay) kept you from telling us, we will extend the time periods. 

Daily ATM withdrawal and transaction limits do apply

−  $3,000  overall  limit  per  day  at  any  ATM  or  POS  terminal.  This  is  a  combined  amount 

whether withdrawal or at a merchant terminal that accepts the Card.

−  The  Payroll  Card  may  not  be  used  for  more  than  five  (5)  transactions  per  day,  either  at 

ATMs, POS terminals at merchants, or both ATMs and POS terminals at merchants.

If  your  Card  displays  the  VISA  logo,  and  notwithstanding  the  foregoing  provisions  concerning  your 
liability for Card use, you will not be liable for any unauthorized transactions using your lost or stolen 
VISA Card unless you have been grossly negligent or have engaged in fraud. This limitation on liability 
does not apply to ATM transactions outside of the United States, to ATM transactions not sent over 
VISA or PLUS networks, or to transactions that require your PIN and that are not processed by VISA. 

Fees
The following fees and charges are imposed by the Bank on your use of the Card. You may be 
charged a fee by an ATM owner other than the Bank over and above the fee disclosed in 
these Terms and Conditions.

Disputes with Merchants
If you use your Card at a merchant, and a dispute with such merchant arises, you agree to make a 
good faith effort to settle the dispute with the merchant. Any unresolved dispute may be sent to us in 

writing for assistance in settlement. You cannot stop payment to merchants for transactions 
made through the use of your Card. 

Error Resolution
In case of errors or questions about your Card, please contact us at 1-800-924-9222, between the 
hours of 8am-7pm CST, or write to us at Card Services, TIB The Independent BankersBank, N.A., 
PO Box 560528, Dallas, TX 75356-0528, as soon as possible. If you think an error has occurred 
on your Card, we must allow you to report an error until 60 days after the earlier of the date you 
electronically access your Card, if the error could be viewed in your electronic history, or the date 
we sent the FIRST written history on which the error appeared.

In the event of an error you will need to tell us:

•  Your name and Card number.
•  Why you believe an error occurred and the dollar amount involved.
•  Approximately when the error occurred.

If you initially tell us this information orally, we may require that you send your complaint or question 
in writing within 10 business days. If we ask you to put your complaint or question in writing, and we 
do not receive it within 10 business days, we may not credit your Card.

We will determine whether an error occurred within 10 business days after we hear from you and 
will  promptly  correct  any  error.  If  we  need  more  time,  however,  we  may  take  up  to  45  days  to 
investigate your complaint or question. If we decide to do this, we will credit your Card within 10 
business days for the amount you think is in error, so that you will have the money during the time 
it takes us to complete our investigation.

For errors involving new accounts, POS (point-of-sale) or foreign-initiated transactions, we may 
take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 
20 business days to credit your account for the amount you think is in error.

At the conclusion of our investigation, we will notify you of the results within three business days 
after completing our investigation. If we decide that there was no error, we will send you a written 
explanation. You may ask for copies of the documents that we used in our investigation.

Overdrafts
You  must  have  sufficient  funds  on  the  Card  at  the  time  of  a  transaction  in  order  to  pay  for  the 
transaction. If a merchant or an ATM operator attempts to submit a transaction on the Card for an 
amount that is greater than the current balance on your Card, the transaction may not be approved 
by the Bank. If the Bank, in its sole discretion, settles or pays a transaction with your Card when 
there  are  insufficient  funds  stored  on  the  Card  to  pay  for  the  transaction,  this  will  result  in  an 
overdraft on your Card. We have no obligation to allow an overdraft. You agree to pay the Bank the 
amount of such overdraft. We may deduct any overdraft amount from your Card.

Bank Liability
If the Bank does not complete a transfer to or from your Card on time or in the correct amount 
according to these Terms and Conditions, we may be liable for your losses or damages. However, 
there are some exceptions. The Bank will not be liable, for instance:

(1)  If, through no fault of ours, you do not have enough money stored on your Card to make the 

transaction.

(2)  If the ATM where you are making the transaction does not have enough cash.
(3)  If the terminal or system was not working properly and you knew about the problem when 

you started the transaction.

(4)  If we are prohibited by law from completing the transaction.
(5)  If circumstances beyond our control (such as fire or flood) prevent the Card transaction, 

despite reasonable precautions that we have taken.

Disclaimer of Liability
In providing the Card and related services to you, the Bank disclaims any duty or responsibility 
other than those expressly set forth in these Terms and Conditions.

Bank Right of Set-Off
You agree that the Bank is authorized at any time to set-off the funds stored on your Card or the 
related  stored  value  account  against  your  debts  or  liabilities  owed  to  the  Bank.  The  Bank  may 
exercise this right of set-off without notice to you.

Dormant Card Accounts
You acknowledge and agree that the Bank may be required by applicable law to turn over to a state 
government authority any funds remaining on your Card after a period of inactivity or dormancy.

Amendment
We may amend these Terms and Conditions by delivering notice of the amendment to you in the 
manner agreed to by you and the Bank or to your last address as shown on the records of the 
Bank. You will be given at least 21 days’ notice prior to the effective date of any amendment which 
results in an increased fee or charge, an increase in your liability, a reduction in services offered by 
the Bank, or stricter limitations on transaction or withdrawal rights.

Termination/Assignment
The Card is our property and we reserve the right to cancel, repossess, or revoke its use at any 
time without prior notice and demand return of our Card to your employer, subject to applicable 
law. You may terminate these Terms and Conditions at any time by returning your Card to your 
employer. Upon termination, the Bank will arrange to transfer any remaining funds stored on the 
Card to you or your employer for your benefit. Termination, whether by you or by the Bank, shall 
not affect prior transactions or obligations relating to your Card existing at the time of termination. 
You may not transfer or assign your rights and obligations under these Terms and Conditions to 
any  other  person  without  the  Bank’s  prior  written  consent.  However,  the  Bank  may  assign  our 
obligations to you under these Terms and Conditions without your consent or notice to you. Once 
the  Card  is  signed,  it  cannot  be  transferred  to  anyone  else.  Resale  of  Payroll  cards  is  strictly 
prohibited.

Severability/No Waiver
If  any  provision  of  these  Terms  and  Conditions  is  deemed  unlawful,  void,  or  for  any  reason 
unenforceable, that provision shall be deemed severable from these Terms and Conditions and 
shall  not  affect  the  validity  and  enforceability  of  any  remaining  provisions. The  Bank’s  failure  to 
enforce strict performance of any provision of these Terms and Conditions will not waive the Bank’s 
right to subsequently enforce such provision or any other provisions of these Terms and Conditions.

Governing Law
These Terms and Conditions, the Payroll Card and all transactions hereunder are subject to the 
laws of the State of Texas and the laws of the United States.

TIB – PayrollCardTermsandConditions_Rev. 201705

187379_30316I004 TIB Payroll Card.indd   1

8/15/17   2:43 PM