Frequently Asked Questions

What is a ClaimsCard Mastercard^® Prepaid Card?

The Claim Card Prepaid Card is a new and more efficient way of delivering claims payments. You will have access to your funds 24 hours a day; 7 days a week everywhere debit Mastercards are accepted. Bank transfers from your prepaid card account to a checking or savings account are available, as well as cash access through tellers at any bank or credit union that displays the Mastercard Acceptance Mark.

Is this a credit card?

No, this is not a credit card. Credit is not extended to cardholders, only money that is added to the card can be used.

What are the benefits of having the prepaid card?

Card benefits:

• No waiting for checks in the mail.

• No check-cashing fees.

• Use everywhere debit Mastercards are accepted – in stores, online, or by phone.

• Get access to cash at ATMs, point of sale* terminals, and at banks and credit unions that display the Mastercard Acceptance Mark.

• Use your card to pay bills.

* A point of sale is a business or place where a product or service can be purchased.

How can I use my Claim Card Mastercard ?

You may use the card at over 1 million ATMs that display the Mastercard^®, Maestro^®, or Cirrus^®, Acceptance Mark worldwide to withdraw the money from your Claim Card Mastercard as cash Or spend your money at any of the millions of locations everywhere debit Mastercards are accepted for shopping.

How can I transfer my funds to my checking or savings account?

You may transfer some or all of your benefits to your checking or savings account by performing a bank transfer online at mycard.oneinc.com or by calling customer service at 1-888-774-8020.

How can I check the current balance on my Claim Card Mastercard?

You can check your prepaid card balance 24 hours a day at no cost by using automated account information via the toll-free customer service number: 1-888-774-8020. You may also check your balance by doing a balance inquiry at an ATM, or online at mycard.oneinc.com. It is recommended you perform a balance inquiry before performing a transaction so you will know how much money is available in your prepaid card account.

Who should I call with questions about my Claim Card Mastercard?

The toll-free Cardholder Service number is 1-888-774-8020 and is displayed on the back of your card, as well as within your user guide information. You may also obtain account information via online customer service at mycard.oneinc.com.

Will I need to maintain a minimum balance on my Claim Card Mastercard?

No minimum balance is required.

Will I receive a monthly statement of transactions on my Claim Card Mastercard?

You will not receive a monthly statement, but you will be able to see your transactions online at any time by logging into your account at mycard.oneinc.com. You can make a request to receive a paper statement*.

* Fees apply. Please refer to Fee Schedule in Cardholder Agreement.

Why is the charged amount more than the amount on my receipt?

For certain purchases, the merchant may preauthorize the purchase amount with an additional amount to cover incidental charges that may not be available at the time the transaction was concluded. When you use your Claim Card Mastercard at hotels, car rental agencies, or for similar purchases, the merchant may add up to 20% to the preauthorized amount to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Restaurants may hold up to an additional 20%, and gas station purchases conducted at the pump may be preauthorized for up to $75.00. To avoid having money held when purchasing gas, you can pay at the cash register of the gas station for the exact amount of gas that you want to purchase rather than paying at the pump.

When will the preauthorized amount be available to me?

The preauthorization will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take between 7-10 days for the hold to be removed for most merchants. Remember, some travel merchants, including hotels and rental cars, can place a preauthorized hold for up to 60 days. During the hold period, you will not have access to the preauthorized amount.

Why was my card declined - I know I have the funds available?

Your transaction may be declined for insufficient funds if you are making a purchase from a merchant who has a higher preauthorization amount than your purchase amount. Purchases for rentals, hotels, restaurants, and gas purchases are all subject to higher preauthorization amounts due to the possibility of other charges being incurred. The additional preauthorization amounts vary by merchant.

How do I report my Claim Card Mastercard as lost or stolen?

Please call 1-888-774-8020 immediately to report your card as lost or stolen.