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Frequently Asked Questions

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What is the Compass Bank PaySource Card?
Do I have to accept the Terms and Conditions?
Do I have to select a personal identification number (PIN) when I activate my Card?
What is my personal identification number (P.I.N.)?
How do I get a new PIN if I have forgotten my old one or want to change the number?
Can I set up preauthorized payments to be debited from my Compass Bank PaySource Card account?
Can I use my Compass Bank PaySource Card to pay for purchases over the Internet?
Can I keep my Compass Bank PaySource Card if I change jobs?
May I have additional cards with my account for family members?
Will I receive checks to use on this account?
Is there a minimum balance required for this account?
Most ATMs dispense cash in $20 increments. How can I get the full amount of my pay from the Compass PaySource Card in cash?
Will I receive a monthly statement on my account?
How do I change my address?
Where can I use my Compass Bank PaySource Card?
Can I use my Compass Bank PaySource Card at ATMs?
What is the maximum dollar amount I can withdraw per day from ATMs?
Are there maximum dollar limits on purchases or other cash withdrawals?
Is my Compass PaySource Card a credit card?
Can I use my Compass Bank PaySource Card at a gas station?
What do I do if my Compass Bank PaySource card is lost or stolen?
My Compass Bank PaySource Card does not have my name on it. Do I still sign my name when I make purchases?
What is the difference between a pending transaction and a posted transaction?
Why is my available Balance different than my actual Balance?
Does my Compass Bank PaySource Card include an overdraft limit?
Do I have to have an e-mail address to use my Compass Bank PaySource Card?
How do I know how much I’ve spent?
Can I check my balance online?
Can I check my balance by phone?
May I speak with a customer service representative?
What do I do if a merchant tells me the card was declined?
What do I do when the merchant’s sales terminal asks me to press the “Debit” or “Credit” button?
What are text message alerts?
How do I sign up to receive text message alerts?
Is there a fee for using text message alerts?
What type of text message alerts are available?
How can I get help with text message alerts?
What happens if I change my mobile phone number?
Can I add a second phone number to my text message alerts service?


What is the Compass Bank PaySource Card?

The Compass Bank PaySource Card is a Visa or ATM branded card that allows you to receive the benefits of direct deposit of payroll.  Only direct deposit funds can be deposited to this account.  Your payroll will be available to you on your regular payday. 


Do I have to accept the Terms and Conditions?

Yes.  Using your Compass Bank PaySource Card signifies that you accept the Terms and Conditions.


Do I have to select a personal identification number (PIN) when I activate my Card?

Yes. When you call to activate your card, you must select a PIN to complete activation of all card functions. You will need to use the PIN to make certain transactions with your card. To obtain your PIN, call 1- 866-416-5689 and follow the prompts. When presented with menu options, select option #2 to choose your 4-digit PIN.


What is my personal identification number (P.I.N.)?

A personal identification number (“PIN”) is required in to use your Compass PaySource Card at an ATM or with some merchants.  You must establish a PIN by calling 1-866-416-5689 or go to www.visaprepaidprocessing.com/Compass/PaySource.


How do I get a new PIN if I have forgotten my old one or want to change the number?

Visit www.visaprepaidprocessing.com/Compass/PaySource or call 1-866-416-5689.


Can I set up preauthorized payments to be debited from my Compass Bank PaySource Card account?

Yes.  Any bill that can be paid by credit card can be debited from your account (Visa branded Compass PaySource Card only).  Just provide the account number on the front of your Compass Bank PaySource Card.


Can I use my Compass Bank PaySource Card to pay for purchases over the Internet?

Yes, you can.  However, in most cases, only Visa branded Compass PaySource Card can conduct internet, non-PIN based purchases.


Can I keep my Compass Bank PaySource Card if I change jobs?

No.  Any funds remaining on your card will be available to you.  However, your employer will no longer make deposits to your account.  The card is not transferable to another employer.


May I have additional cards with my account for family members?

You may designate up to three additional Authorized Users on your Compass PaySource Card online at www.visaprepaidprocessing.com/Compass/PaySource or by calling 1-866-416-5689. The cards will be mailed to you with the names of the users embossed on the cards. Each Authorized User will have access to all available funds on the account.


Will I receive checks to use on this account?

No.  This account is intended for electronic transactions only.


Is there a minimum balance required for this account?

No, however accounts that remain at a zero ($0.00) balance over an extended period of time are subject to closure.


Most ATMs dispense cash in $20 increments. How can I get the full amount of my pay from the Compass PaySource Card in cash?

In addition to obtaining cash at ATMs, you may also obtain cash at a bank teller window that accepts Visa Check Cards and cash back at merchants with point-of-sale terminals.


Will I receive a monthly statement on my account?

Yes. We will mail monthly statements for your Compass PaySource Card showing all transactions posted to your Compass PaySource Card that month, including any fees assessed by us during the statement period. If no transactions are posted to your Compass PaySource Card during a statement period, you may not receive a statement for that period, but you will receive a statement at least quarterly. You may elect to receive electronic statements by visiting www.visaprepaidprocessing.com/Compass/PaySource or calling 1-866-416-5689.


How do I change my address?

Visit www.visaprepaidprocessing.com/Compass/PaySource or call 1-866-416-5689.


Where can I use my Compass Bank PaySource Card?

You can use your Compass Bank PaySource Card anywhere Visa Check Cards are accepted. However, if you have a Compass Bank PaySource ATM Card, you will only be able to use this card at ATMs with the Visa/PLUS signs or at merchants with point-of-sale terminals.


Can I use my Compass Bank PaySource Card at ATMs?

Yes. You can use your Compass PaySource Card worldwide at ATMs with the Visa/PLUS signs. You may be charged an ATM surcharge fee by the ATM owner (in addition to any Compass Bank surcharges, if applicable) if you use another bank’s ATM.


What is the maximum dollar amount I can withdraw per day from ATMs?

All ATMs have individual withdrawal limits. In any case, there is a maximum individual withdrawal limit of $2.500 and a daily limit of $5,000.


Are there maximum dollar limits on purchases or other cash withdrawals?

There is an individual transaction limit of $2,500 and a daily limit of $5,000 for purchases and cash withdrawals at a bank teller window that accepts Visa Check Cards.


Is my Compass PaySource Card a credit card?

The Compass PaySource Card is not a credit card. It is your pay that is deposited to the card.


Can I use my Compass Bank PaySource Card at a gas station?

Yes. However, if you elect to swipe your card at a gas pump, the purchase authorization will be $75.00 regardless of how much gas you plan to pump. Purchase authorizations are deducted from your available balance and will clear when the actual transaction is posted to your account or within three days, whichever is sooner. It is strongly recommended that you go inside to pay for the exact amount of gas you plan to purchase if you wish to avoid this.


What do I do if my Compass Bank PaySource card is lost or stolen?

Call 1-866-416-5689 immediately any time of the day if your card has been lost or stolen. You will be issued a new card. Your card is protected, so you will not lose money if someone used your lost or stolen card.


My Compass Bank PaySource Card does not have my name on it. Do I still sign my name when I make purchases?

Yes.  You can still use your card even though your name does not appear on the card.  Your identity is verified by a retailer by checking your signature on the back of your card to ensure that it matches the signature on your sales draft.


What is the difference between a pending transaction and a posted transaction?

Pending transactions are authorized transactions, and a hold is placed for the authorized amount on your card.  Posted transactions are purchases that have cleared on your card and the funds have been removed.  There are some pending transactions that are more or less than the amount you have actually spent.  This is because certain kinds of merchants in specified situations are permitted to request authorization for a card transaction in an amount different from the amount of the actual transaction.  For example, certain merchants may request authorization for the estimated amount of a transaction, and others such as restaurants may request authorization for an amount up to 20% over the amount of the actual bill in order to cover an anticipated tip.  Pending transactions will clear when the actual transaction is posted to your account or within three days, whichever is sooner.


Why is my available Balance different than my actual Balance?

Typically, your available Balance is less than your actual Balance because your available balance reflects purchases you have made that have been authorized, but have not cleared your account.  However, there are some cases, such as when you have returned merchandise, where the available Balance will be more than your actual balance.


Does my Compass Bank PaySource Card include an overdraft limit?

No.  You should only utilize your card to get cash or make purchases up to the current balance in your account.  You may be charged an overdraft fee for each t ransaction in excess of your balance in accordance with the fee schedule you received with your card or at a later date .


Do I have to have an e-mail address to use my Compass Bank PaySource Card?

No.  You are not required to have an e-mail address to make purchases with your card.  However, your e-mail address is useful if you ever forget your password to access our website because we can send it to the e-mail address we have on file.


How do I know how much I’ve spent?

Pick up a Compass PaySource Card Personal Register from your Human Resources Department.  Use this register to record your pay, purchases, cash withdrawals and any fees you may be charged.  You will also receive a monthly activity statement and can also check your balance at most ATMs.


Can I check my balance online?

View your balance and transactions online at www.visaprepaidprocessing.com/Compass/PaySource.


Can I check my balance by phone?

Call 1-866-416-5689 to check your current balance and transactions.  You will be asked to enter you Compass PaySource Card number when you call.


May I speak with a customer service representative?

When you call 1-866-416-5689, you will be given an option to press ‘0’ to speak with a customer service representative.  You may speak with a representative Monday through Saturday 8:00 a.m. to 7:00 p.m. Central Time.


What do I do if a merchant tells me the card was declined?

Declines generally occur when the purchase amount is more than the available funds on your card.  You may offer to pay the merchant with part in cash and part with your Compass PaySource Card.  To avoid declines, be sure to check the balance in your Personal Register before making a purchase.


What do I do when the merchant’s sales terminal asks me to press the “Debit” or “Credit” button?

You should press the “Credit” button and sign the receipt.  The amount is automatically deducted from the funds on your Compass PaySource Card.  You will not receive a bill.  If you would like cash back, you should press “Debit” and enter your PIN.


What are text message alerts?

Text message alerts for your Compass PaySource Card are a way of getting automatic notifications on your mobile phone regarding your card balance, transactions and status. You choose the alerts you want to receive.


How do I sign up to receive text message alerts?

You can enroll for the Alerts by logging into www.visaprepaidprocessing.com/Compass/PaySource. Click on Profile in the upper left hand corner, select the alerts you would like in Alert Options and provide your mobile phone number in Alert Settings.  You can also contact a customer service representative at 1-866-416-5689.


Is there a fee for using text message alerts?

No, there is no fee for receiving text message alerts. *


What type of text message alerts are available?

How can I get help with text message alerts?

You can contact a customer service representative at 1-866-416-5689 for assistance with text message alerts.


What happens if I change my mobile phone number?

Please log into www.visaprepaidprocessing.com/Compass/PaySource.  Click on Profile in the upper left hand corner and provide your new mobile phone number in Alert Settings. You may also contact a customer service representative at 1-866-416-5689. Once your phone number is updated, a text message containing a Validation Code will be sent to your new phone number. Enter the Validation Code online or provide it to the customer service representative. Future text message alerts will be sent to your new mobile phone number.


Can I add a second phone number to my text message alerts service?

You can text “STOP” to 868472 or 288472. You can also stop receiving text message alerts by logging into www.visaprepaidprocessing.com/Compass/PaySource and removing your Alert Options and Alert Settings or by contacting a customer service representative at 1-866-416-5689.

*Standard text and data rates may apply, check with your wireless carrier for your text message rate plan and available plans.


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