ADP TotalPay® Card
The Electronic Payment Solution for University of Pennsylvania
TotalPay® Card – Electronic Pay for the Public Sector
TotalPay Card Is . . .
• Prepaid stored-value card
– Personalized, reloadable Visa debit card
– PIN and signature based
• Replenished with each pay cycle
• Accepted at a global network of participating
ATMs, Visa merchants, and Visa member banks
• Instant-issue Visa card also available—a great
solution for “on-the-spot” disbursements
TotalPay® Card – Electronic Pay for the Public Sector
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Why Pay Cards Make Sense for Penn
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Direct deposit on plastic is an alternative for under banked
Reduce fraud exposure associated with checks
No escheatment required
Increase operational efficiency
– No check distribution or reconciliation
– Eliminate lost or stolen checks
– Reduce/eliminate manual checks
– Reduce fees for stop payments and expedited services
• Improve Business Continuity/Recovery
TotalPay® Card – Electronic Pay for the Public Sector
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Economics Make Sense for Employees
Cost savings for participants
• No check cashing fees
• No special trips to pick up a
check
Convenience
• Funds deposited
automatically
• 24-hour access to funds
• Transaction activity and
spending easily tracked
Safety and security
• No need to carry cash
TotalPay® Card – Electronic Pay for the Public Sector
Low-cost Access To Funds1
Average Annual
Consumer Expense
Check Cashing
$789
Checking Account
$115
Stored Value Card
$101
1. “The Cost Effectiveness Of Stored-Value Products”, May 2005,
James C. McGrath. Federal Reserve Bank of Philadelphia
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Participants Will Appreciate . . .
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Immediate access to funds
No check-cashing fees or waiting in long bank lines
No waiting for deposited checks to clear
Making purchases anywhere Visa® debit cards are
accepted—in person, online, by mail, or by phone
• Online or phone-based transfer of funds from the
card to a U.S.-based bank account
• Secondary cards are available for a spouse or other
trusted family member
• E-mail/Text balance alerts
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TotalPay Card Is for Everyone
No bank account? Don’t need one!
• A bank account is not required
No credit or poor credit?
• No credit approval is required
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TotalPay Card Is Convenient
Easy access to cash
• Cash withdrawal available at 924,000 Visa or
PLUS® ATMs*; 32,000 Allpoint ATMs
• Cash back with point-of-sale transactions at
participating merchants that accept Visa debit*
• Over-the-counter (OTC) Teller cash withdrawal
from Visa member banks*
• Load cash from other sources such as wages
from a job, tax refunds, government benefits,
and child support payments
* Nominal fees may apply.
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Be Assured
• No need to carry large amounts of cash
• Lost or stolen cards can be replaced with
their full remaining stored value
• No liability for fraudulent charges*
• Deposits and transactions are confidential
* Visa’s Zero Liability Policy provides protection from any unauthorized purchases.
U.S. issued only. Visa’s Zero Liability Policy does not apply to commercial card or
ATM transactions, or to PIN transactions not processed by Visa.
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Cardholder Services
Free unlimited cardholder Web access
provides the following:
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Card Activation
ATM Locator
Balance Inquiries
Transaction History
Visa Bill Pay
Print Dispute Form
Visit www.mycard.adp.com
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Surcharge-Free ATM Access
The Allpoint network provides the largest
surcharge-free ATM network in the U.S.
• 32,000 ATMs nationwide
• Over 1,800 in Philadelphia
• Conveniently located in national
retail locations including:
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Allpoint® ATM Network
CVS
Wawa Food Market
7-Eleven
Rite Aid
Sunoco
Network ATMs located in these states.
TotalPay® Card – Electronic Pay for the Public Sector
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Campus Allpoint ATM Locations
CVS
3925 Walnut Street
7-Eleven
106 South 38th Street
Pasquallys
202 1/2 South 43rd St
Wawa Food Market 1
3604 Chestnut St
7-Eleven
3401 Lancaster Ave
7-Eleven
4201-59 Walnut St
TotalPay® Card – Electronic Pay for the Public Sector
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Overview of Free Services
Unlimited Use Free Services
Allpoint in-network ATM Withdrawals Free
Purchase Transactions – Signature Free
Purchase Transactions – PIN code Free
Purchase with Cash Back – PIN Code Free
One free service per pay period
Visa Member Bank In-Person Cash Withdrawal
Two free services per month
Web Access Money Transfer
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Cardholder Services (Cont.)
24-hour toll-free Customer Service
• Automated Phone Service
• Live Customer Service Representative
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The
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Employee can write check(s) for up to their available balance
Money Network process designed to minimize overdrafts
There is no fee for overdraft (balance goes negative until next pay)
Resolving any overdraft is between merchant and employee
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Is Penn “Leading Edge?”
Not so much!
University of California
Emory University
Northwestern University
PECO
CBS
Kelly Services
Walmart
Wendys
Sears
Abercrombie and Fitch
IRS debit card for 2010 Income tax refunds!
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Implementation Timeline
Business Advisory Board update
BA / Payroll Admin Communication
Human Resource Council
Bank fair notification with checks
ADP option notification with checks
ADP/bank fairs
TotalPay® Card – Electronic Pay for the Public Sector
2/8
2/10
2/11
2/25
2/28
3/11
3/31
3/14
3/22
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Implementation Timeline
Direct deposit not elected by
April 15
• ~2,066 Permanent (Blue) Pay cards
mailed to current address in payroll system
• Faculty, Staff, Student Workers
• Daily FTP of new hires
• Red Temporary Pay Cards
Outsourced ADP option effective
• Weekly Paid
• Monthly Paid
Students not on payroll (reimbursements)
• Phased in approach
TotalPay® Card – Electronic Pay for the Public Sector
June 24
June 30
Fall 2011
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Closing Thought
“It’s a step in the right direction. It makes
sense and is in the direction that many
institutions are going.”
- Dr. Fred Scatena
Professor
Chair, Earth and Environmental Science
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Questions?
Website
www.finance.upenn.edu/comptroller/payroll/receiving_your_pay.shtml
Email
payroll@ exchange.upenn.edu
Phone
215-898-6301
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TotalPay Card
Get paid the TotalPay Card way!
TotalPay Cards are made available by ADP. The TotalPay Card is issued by ADP Federal Credit Union, or Palm Desert
National Bank pursuant to a license from Visa U.S.A. Inc. The ADP logo is a registered trademark of ADP of North America,
Inc. TotalPay is a registered service mark of ADP, Inc. Allpoint is a registered trademark of ATM National, Inc. U.S. Bank is
a registered trademark of U.S. Bancorp and its affiliates. TotalPay Card is a service mark of ADP, Inc. Visa and Visa Plus
are registered trademarks of Visa U.S.A., Inc.
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