How to Check My Available Balance:

You can check your available balance 24/7 by doing one of the following:

 

Login to your account online. You can also visit the Set Up Text Alerts page and register to request your balance via text (standard text message rates, fees and charges may apply); OR

 

Call our automated telephone service toll free at (866) 78-DEBIT; (866) 783-3248 (Restrictions may apply if you access the automated telephone system more than 10 times per day. You will not be assessed a fee to check your balance using the automated telephone system.)

 

How to Check My Transaction History and Monthly Statements:

You can check your transaction history and monthly statements 24/7 by Logging in to your account online. Visit the balance and transaction page and/or Statements page to access your account information.

 

You also have the right to obtain at least 24 months of written history of your Card Account transactions by calling (866) 783-3248, or by writing us at Debit Card Network, LLC, at 2640 Cordova Lane, Ste. 105, Rancho Cordova, California 95670. You will not be charged a fee for this written history.

 

How to Use My Card for Purchases:

Life Freedom Prepaid Mastercard^® products may be used everywhere Debit Mastercard is accepted. You may use it to pay for purchase amounts that are less than or equal to your available balance.

 

How to Get Cash by Using My Card:

Cash Back When making Point of Sale Purchases:

 

Many retailers have agreed to provide cash back with a PIN purchase (see cardholder agreement for limitations that may apply).

 

ATM Access:

 

How to Minimize ATM Service Fees:

You can avoid ATM fees by receiving cashback when making Point of Sale purchases. 

 

 

ATM Safety and Security Tip Recommendations:

For your safety, we suggest you keep the following tips in mind when using ATMs:

 

Have your card readily accessible and decide which transactions you want to perform before approaching the ATM to minimize the amount of time at the ATM; 

 

Maintain awareness of your surroundings before, during, and after making your ATM transaction;

 

Wait until you are in a safe place to count any cash withdrawals made at an ATM;

 

Only use ATMs at night while accompanied by a companion;

 

Always request and keep receipts of your transactions;and

 

Review your online history and monthly statements for accuracy.

 

How to View My Statements:

You can view and download your account statements online. Simply Login to your account and click on "Statements."

 

To request a written statement call (866) 783-3248, or write to us at Debit Card Network, LLC, at 2640 Cordova Lane, Ste. 105, Rancho Cordova, California 95670. You will not be charged a fee for this written history.

 

Why Does My Card Not Work?

Available Balance

Only transaction amounts equal to or less than your available balance will be authorized.

 

Login, or call our 24/7 automated telephone service to check your balance, (866) 78-DEBIT; (866) 783-3248.

 

Keep in mind any fees associated with card usage will lessen your available balance. To avoid ATM fees, see our section above about "How to Minimize ATM Service Fees."

 

PIN Number

A PIN is a four-digit code that may be used to make purchase transactions instead of signing for your transaction to prevent unauthorized access to the Card balance. You agree to keep your PIN confidential. We recommend that you memorize your PIN and do not write it down.

 

If you enter your card’s PIN number incorrectly three consecutive times your card will be disabled. This safety feature is in place to ensure that someone else has not gained access to your card and is trying to use it.

 

If you have disabled your card due to excessive PIN failure, you may call our 24/7 automated telephone service to reactivate your card, (866) 78-DEBIT; (866) 783-3248.

 

To change your card’s PIN call (866) 78-DEBIT; (866) 783-3248.

 

You can only change your PIN once every 24 hours through our automated telephone service.

 

If your PIN or card has been compromised, contact us immediately. See section below "How to Report a Lost or Stolen Card."

 

IMPORTANT NOTICE ABOUT YOUR CARD’S CONFIDENTIAL PIN:

It is important that you do not share your PIN with anyone. Do not write your PIN on your card or store it with your card. Should your PIN be compromised, see our section below "How to Report a Lost or Stolen Card."

 

How to Report a Lost or Stolen Card:

If your card is lost or stolen, or your PIN has been compromised, report it at once.

 

Login to your account and select "Report lost or stolen card." Then follow the instructions provided on the screen to disable your card; OR

 

Access our 24/7 automated telephone service and follow the prompts to report your card lost or stolen, (866) 78-DEBIT; (866) 783-3248.

 

Cardholder Agreement, Fees & Transaction Limits

Please Login to your account online to reference your cardholder agreement; Point of Sale and ATM Transaction limits vary by product. Transactions that exceed daily limits will not be authorized.

 

A copy of the cardholder agreements for all Life Freedom Card products can also be found at newsite.debitcardnetwork.com/lfc/Thrive-Terms-and-conditions. Please note: you will need to know your specific program name as fees and limits vary based on program type.  The program name is printed on the front of your card.  If you are unsure of which agreement applies to your card, please login to your online account to see a copy of the specific schedule for your card account.

 

Error Resolution:

 

Information about Your Right to Dispute Errors:

 

In case of errors or questions about your Card Account, please contact us as soon as possible at (866) 783-3248 or write to us at Debit Card Network 2640 Cordova Lane, Ste 105, Rancho Cordova, CA 95670. We must allow you to report an error until 120 days after the transfer allegedly in error was credited or debited to your Card Account.  You may request a written history of your transactions at any time by contacting us at the telephone number or address above. You will need to tell us: 

 

 

(1) Your name, 

(2) Your Card Number, 

(3) Why you believe there is an error, 

(4) The dollar amount involved, and 

(5) Approximately when the error took place.  

 

If you tell us orally, we may require that you send your complaint or question in writing or that you complete a Transaction Dispute form which will be made available to you within 10 business days.

 

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. 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 provisionally credit your Card Account 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. 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 Account.

 

For errors involving new accounts, 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 provisionally credit your Card Account for the amount you think is in error.

 

We will tell you 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.

 

If you need more information about the error-resolution procedures, call us at (866) 783-3248.