What is UPside?
UPside Visa is an inexpensive and easy way for parents to improve greatly the management of money allowance for their teenage children.
Instead of cash allowances that are unsafe, offer no spending control and require trips to the ATM:
- you register for a card online, in just a few minutes.
- we ship a reloadable Visa prepaid card to your home address, in the name of your teen, which you or your teen can activate over the phone.
- you create your online card account, where you can load funds, create an allowance schedule or add another child.
- and your teen creates his/her own online access, entirely separate from yours, to monitor his/her own spending, check the remaining card balance, and much more, from any computer or even from his/her cell phone.
The UPside Visa Prepaid Card is not a credit card: you can only spend the money that has been loaded beforehand into the UPside card account. There is no credit card bill to pay at the end of the month, no late fees, no risk of going into debt.
If you lose the card, you don't lose the money in the UPside card account: as long as you notify us promptly of a loss or theft, this money is 100% safe.
And with thee plan options to choose from - Edge, Access, and Clear - it's all about which UPside plan fits your lifestyle. If you give money to you child only occasionally, then the UPside Access plan may suit your needs. Does your teen get a weekly allowance? UPside Clear is best for you. Or choose UPside Edge to get even more bang from your buck with ATM access and our best UPoint reward program.
Your teen stays safe…in more ways than one
UPside provides you with the peace of mind that wherever your teen is at, he or she will never be out of cash in an emergency.
Is your teen at summer camp or away on a school trip? Does his car need to be towed? Is she low on gas?
By funding with your credit card, you’re assured that your funds will appear in the card account instantly.*
And, with value loads able to be completed both online and by phone, your child is taken care of, no matter where you are.
As a Visa prepaid card, UPside also assures zero liability on purchases made if the card is lost or stolen.
And, one quick phone call or visit to our website and your card is suspended immediately. Your teen will never lose money again.
*A $2.50 convenience fee will apply for value loads from a debit or credit card.
How does UPside compare?
-
Safer and more convenient than cash
- Safety of Visa’s Zero Liability Policy.* Funds are also FDIC-insured
- No need to go to an ATM to withdraw cash for allowances
- Parents have access to details of payment transactions and can track spending
-
Not a credit card
- Your teen will not go into debt
- It’s a great short-term saving tool
-
A flexible solution
- No minimum balance required
- Funds transferred from a credit or debit card are made available instantly*
-
Better than most prepaid cards
- Convenience of an online service designed for the family
- One of the lowest fee plans available
If you are thinking about getting a prepaid card or bank account for your teen,
there are a lot of factors to take into consideration – ease of use, value-added services, and cost, among others.
So how does UPside stack up?
Unlike most retail banks, UPside requires
no minimum balance in the card account –
we won’t charge you a penny if your balance is zero. And with
our free or low cost value loads,
you no longer need to worry about the usually hefty transfer fees required to transfer funds to another account.
Plus,
value loads initiated from your credit card appear instantly*…few banks can say that.
Are there other prepaid cards out there? Sure. But UPside gives you flexibility in plans, tailor-made online accounts
for you and your teen, and extras like the UPside loyalty program, UPoints – all for a lower cost than other prepaid cards.
And unlike those cards you see in your local drugstore or superstore, there’s
no need to return to that store to reload your card…
just go online or pick up a phone – it’s that easy.
As the UPside Visa prepaid card is
not a credit card, there’s no APR. Unlike any credit card out there, we don’t want to see your teen in debt.
In fact, we are working hard to find new ways to guarantee that
your teen remains as far away from debt as possible with programs
such as Spend Responsibly, where you and your teen are provided with educational tools to help learn about budgets and finance.
*A $2.50 convenience fee will apply for value loads from a debit or credit card.
UPside Clear & Other Plans
In addition to UPside Clear, UPside provides two other plan options –
UPside Access and
UPside Edge.
| PLAN OPTIONS |
UPside Clear |
UPside Access |
UPside Edge |
| Activation fee |
FREE |
$4.95 |
FREE |
| Membership fee |
FREE |
$0.99 monthly |
$24.95 annually |
| Funds Load from Checking/Savings |
FREE |
$0.99 |
FREE |
| Funds Load from Credit/Debit Card |
$2.50 per load |
$2.50 per load |
$2.50 per load |
| Maximum Balance |
$1,000 |
$1,500 |
$1,500 |
| Choice of Card Graphics |
NO |
YES |
YES |
| Rewards Program |
No Rewards Program |
Points credited for Sponsorship Program |
Points credited for Sponsorship Program and Point-for-Dollar funds load |
| ATM Access |
Choose another plan to activate ATM access |
$1.95 for withdrawl |
$1.95 for withdrawl |
- Looking to move your teen's allowance to plastic for FREE? UPSIDE CLEAR provides you with no-fee reloads (originating from a checking or savings account) and no activation, monthly or yearly fee. It's a simplified prepaid card, so unlike our other UPside plans, UPside Clear does not provide spending alerts and you can only earn points by purchases at the UPside Mall.
- Want flexibility and no commitment? Try our regular plan, UPside Access, at the low rate of $0.99 a month and one-time registration fee of $4.95.
This plan allows you to fund-as-you-go through low value load rates of $0.99 for checking/savings account value loads and $2.50 for credit or debit card loads.
- If you want to load your teen’s card more than once a month, UPside Edge is the perfect choice for you.
With an annual cost of only $24.95, you’ll receive UNLIMITED FREE VALUE LOADS originating from your checking or savings account.
And there’s no additional monthly charge. Your teen gets the benefit of point-for-dollar value added to his or her UPside Reward balance.
So what does this mean for you? It’s all about which UPside plan fits your lifestyle. If you give money to your child only occasionally, then the UPside Access plan may suit your needs. Does your teen get a weekly allowance? UPside Clear is best for you. Or choose UPside Edge to get even more bang for your buck with ATM access and UPoints rewards program. Below are two examples of how our two plans can fit your lifestyle:
*A cardholder with the UPSIDE ACCESS plan over one year loads funds once per month from a checking or savings account,
1 value load from a credit card and one phone inquiry every other month pays a total of
$32.20.
*Over one year, a cardholder on UPSIDE EDGE with 2 reloads every month from a checking or savings account,
2 occasional reloads from a credit card and one phone inquiry every month
will be charged $29.95 total.
For a detailed list of fees, click here
How does it work?
As a parent or guardian, you are the legal owner of the card account and signatory of the card contract with the bank.
Your teen is the designated cardholder. You can load money onto the card from your checking account or credit/debit card
for all your teen’s needs…lunch money, books, movies, clothes, emergencies.
You can even set up weekly or monthly payments for automatic allowances.
If your teen has an after school or summer job, he or she can also ask the employer to deposit all or part of the
paycheck onto the card by simply giving his or her direct deposit information, provided by UPside, to the employer.
Other benefits for your teen
- Independence and flexibility to make purchases without having to borrow a credit card or use cash.
-
Demonstrate financial responsibility:
- Tracking and planning their spending 24/7 with up-to-the-minute online card account statements.
- Being always aware of their standing by setting up instant access to the card balance
from their cell phone and setting up alerts when the card balance of available cash gets too low.
- Becoming security conscious by being able to suspend the card through a simple message
from their cell phones in case they have misplaced it or lost it.
- Earn cashback with the UPoints Reward Program from point-for-dollar loads (Edge only), sponsoring friends and purchases on the UPside Mall.
Compare Plans
With UPside, you get your choice of three different plans –
UPSIDE CLEAR, UPSIDE ACCESS and
UPSIDE EDGE!
| PLAN OPTIONS |
UPside Clear |
UPside Access |
UPside Edge |
| Activation fee |
FREE |
$4..95 |
FREE |
| Membership fee |
FREE |
$0.99 monthly |
$24.95 annually |
| Funds Load from Checking/Savings |
FREE |
$0.99 |
FREE |
| Funds Load from Credit/Debit Card |
$2.50 per load |
$2.50 per load |
$2.50 per load |
| Choice of Card Graphics |
NO |
YES |
YES |
| Loyalty Program |
Points credited for UPside Mall purchases |
Points credited for Sponsorship Program and UPside Mall purchases |
Points credited for Sponsorship Program, UPside Mall purchases and Point-for-Dollar funds load |
- Looking to move your teen's allowance to plastic for FREE? UPSIDE CLEAR provides you with no-fee reloads (originating from a bank account) and no activation, monthly or yearly fee. It's a simplified debit card, so unlike our other UPside plans, UPside Clear does not provide spending alerts and is not usable for ATM transactions.
- Want flexibility and no commitment? Try our regular plan,UPSIDE ACCESS, at the low rate of $0.99 a month and one-time registration fee of $4.95. This plan allows you to fund-as-you-go through low value load rates of $0.99 for bank transfers and $2.50 for credit or debit card loads. Your teen also enjoys the benefits of the UPoints Loyalty Program
- If you would like to get more from your UPside service, UPSIDE EDGE is the perfect choice for you.
With an annual cost of only $24.95, you’ll receive UNLIMITED FREE VALUE LOADS originating from your bank account and Guaranteed Instant Funding from a credit card. And there’s no additional monthly charge. Plus, your teen gets the benefit of point-for-dollar value added to his or her UPoints Loyalty balance.
So what does this mean for you? It’s all about which UPside plan fits your lifestyle. If you give money to your child only occasionally, then the UPside Access plan may suit your needs. Does your teen get a weekly allowance? UPside Clear is best for you. Or choose UPside Edge to get even more bang for your buck with ATM access and UPoints loyalty program. Below are two examples of how our two plans can fit your lifestyle:
*A cardholder with the UPSIDE ACCESS plan over one year loads funds once per month from a checking account, 1 value load from a credit card and one phone inquiry every other month pays a total of
$32.20.
*Over one year, a cardholder on UPSIDE EDGE with 2 reloads every month from a checking account, 2 occasional reloads from a credit card and one phone inquiry every month
will be charged $29.95 total.
For a detailed list of fees, click here
How is UPside better?
Better than Most Prepaid Cards
- The cheapest fee plans on the market, including the only free plan available
- Convenience of an online service designed for the family
- Built-in rewards program
Safer and More Convenient than Cash
- Safety of Visa’s Zero Liability Policy.* Funds are also FDIC-insured
- No need to go to an ATM to withdraw cash for allowances
- Parents have access to details of payment transactions and can track spending
Not a Credit Card
- Your teen will not go into debt
- It’s a great short-term saving tool
Compare UPside with your Retail Bank
- Forget about hefty load fees charged by most banks
- No minimum balance required
- Load funds online or by phone even if your child is away from home
If you are thinking about getting a prepaid card or bank account for your teen,
there are a lot of factors to take into consideration – ease of use, value-added services, and cost, among others.
So how does UPside stack up?
Unlike many retail banks,
UPside requires no minimum balance in the card account – we won’t charge you a penny if your balance is zero. And with our
free or low cost value loads, you no longer need to worry about the usual hefty load fees required to send funds to another bank account. Plus, you can
load funds onto the card no matter where you (or your teen) are.
Are there other prepaid cards out there? Sure. But UPside gives you flexibility in plans, including our
new FREE UPside Clear plan – no activation, monthly or yearly fees, and value loads from your checking account cost you nothing,…not a single penny. We also provide tailor-made online card accounts for you and your teen, and more. And unlike those cards you see in your local drugstore or superstore, there’s no need to return to that store to reload your card…
just go online or pick up a phone – it’s that easy.
As the UPside Visa Prepaid Card is
not a credit card, there’s no APR. Unlike any credit card out there, we don’t want to see your teen in debt.
In fact, we are working hard to find new ways to guarantee that
your teen remains as far away from debt as possible with programs
such as Spend Responsibly, where you and your teen are provided with educational tools to help learn about budgets and finance.
Gift Money to an UPside Visa Prepaid Cardholder
Via Direct Deposit
Every UPside cardholder is given unique Direct Deposit (DDA) information that is linked to their card. Just follow these simple steps to load funds:
- Have the UPside cardholder email you their DDA information directly from their online card account at www.upsidecard.com.
- Go to your bank and complete a wire transaction using the DDA information given to you.*
*DDA transactions are free for UPside cardholders. Your outgoing funding bank may charge you for this service. Please note funds may take up to 5 days to receive.
Via Cash with a Green Dot® MoneyPak® New!
You can also gift money to an UPside cardholder by purchasing a Green Dot
® MoneyPak
® with cash at
thousands of locations nationwide including Walmart, Walgreens, Kmart, Rite Aid, CVS and more. The MoneyPak
® is a great way to load funds if you are going to gift the money in person. Here is how it works:
- Visit a Green Dot® retailer or www.moneypak.com to find a location near you.
- Pick up a Green Dot® MoneyPak® from the Prepaid Product section.
- Purchase it for any amount between $20 - $500. A $4.95 service fee will be added to your purchase.
- Visit www.moneypak.com or call 1-800-GREENDOT to add the funds to your card. Provide your UPside Card number and your MoneyPak number. Your funds are instantly available for purchases.
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Click here for more information on all of our UPside card account plans. |
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