Commuter Check is proud to announce the new Commuter Check Card Prepaid MasterCard ®. The card makes it easier, faster and more convenient for Employees to take advantage of pre-tax transit benefits offered through their Employer.
Commuter Check Card Features:
- Convenience of purchasing monthly commuter benefits at fare media outlets or ticket vending machines and the ability to use the same card at more than one transit provider to meet individual commuting needs.
- IRS compliant for use in your Commuter Benefit Program.
- Designed to purchase eligible transportation benefit services at Transit Agencies or designated transit retail centers where ONLY transit passes, transit tickets, fare cards and vanpool passes are sold pursuant to IRS Code Section 132.
- The ability to complete a “split transaction” if you do not have enough value on your Card. Acceptance of a split transaction and the condition of acceptance is at the discretion of the transit agency according to their processing guidelines. You can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash, check or another card.
- Non-redeemable for cash.
- No PIN to remember.
- Processed as “CREDIT” transactions (“DEBIT” options cannot be used because there are no PIN numbers associated with the card).
- Initial card value embossed on the front of the card.
- Ability to check the available balance online at www.commutercheckcard.com .
The Commuter Check Card Prepaid MasterCard ® is issued by MetaBank, pursuant to license from MasterCard International.
Commuter Check Card and using it at the Commuter Store FAQ’s
Q. What is the Commuter Check Card?
The Commuter Check Card is a non-personalized prepaid card used specifically for purchasing transit products within the guidelines of your agencies transit benefit program.
Q. How can I get a Commuter Check Card?
A. You can only get a Commuter Check Card through your employer’s Commuter Benefit Program. There are different Commuter Check Benefit Programs available for your employer. To access tools and information to provide to your employer to encourage their participation in a Commuter Benefit Program, go to www.commutercheck.com.
Q. What denominations are available for Commuter Check Cards?
A. The Commuter Check Card comes in any whole dollar denomination you require with a $10 minimum and a $600 maximum initial balance load.
Q. Where can I use the Commuter Check Card?
A. The card can be used at any Commuter Store location or online at CommuterDirect.com.
Q. Can I use the Commuter Check Card to pay for parking expenses?
A. Your employer can order the Commuter Check Card for Parking in addition to the Commuter Check Card for Transit. These will be distributed as two separate cards. The Commuter Check Card for Parking is just like the Commuter Check Card except that you can use it to pay for commute related parking expenses at any parking provider that accepts debit cards for payment.
Q. How do I use the Commuter Check Card at the Commuter Store?
A. Use your card the same way you would use a credit card at any Commuter Store or order online at CommuterDirect.com.
Q. When I am asked to use my Commuter Check Card as a “DEBIT” or “CREDIT” transaction which one should I choose?
A. The card should be processed as a “CREDIT” transaction. If a signature is required than provide a signature as requested. The “DEBIT” option cannot be used because a PIN number would be required and there are no PIN numbers associated to the card.
Q. I am asked for a PIN Number when using my card, what is my PIN?
A. The transaction is attempting to be processed as a “DEBIT” transaction. The transaction needs to be processed as a “CREDIT” transaction. PIN’s are not used in association with the Commuter Check Card, so transactions cannot be processed via the “DEBIT” option. Cancel the “Debit” transaction and complete a “Credit” transaction.
Q. Can I use the Commuter Check Card to make multiple purchases from the Commuter Store and/or multiple agencies?
A. Yes. A card with enough funds on it can be used to purchase products the Commuter Store or from multiple transit authorities to meet your commuting needs. For example, purchase a SmarTrip card at the Commuter Store and load value to it at a Metro fare vending machine. Some transit agencies may limit the amount of transactions per card, per day.
Q. Can I make a purchase at the Commuter Store that is more than the value of the card?
A. Yes. If there are insufficient funds on your card to purchase your desired transit pass, you will need to use a secondary form of payment to cover the difference. You will need to know your card balance in advance of your purchase. Notify the Commuter Store ticket agent how much to charge to the Commuter Check Card and how much you will pay via another payment mechanism such as cash, check, or credit.
Q. How do I know how much money is available on the Commuter Check Card?
A. The initial value is embossed on the front of the card. To check the available balance on a card, visit www.commutercheckcard.com and provide your Commuter Check Card number and the card security code which is available on the back of the card. You can also call 800-385-7087.
Q. Can I make a “Renewable Order” purchase online at CommuterDirect.com that is more than the value of the card?
A. Yes. You can pay for all or part of your order using the Commuter Check Card. If you are creating a renewable order, there will be a field in the order form to promise payment by the Commuter Check Card. For one-time orders, the opportunity to promise payment by the card is provided during the checkout process if you have a valid credit card on file. If you promise payment by the Commuter Check Card, you must download the Commuter Check Mail-in form print it out, and send it in within 10 business days of your order date. If your promise payment isn't received by CommuterDirect.com within 10 business days, your order will be charged to your submitted payment account .
If you promise to pay with the Commuter Check Card, your primary credit card will be preauthorized — but not charged — for the full amount of your order. If we are unable to collect the promise amount within 10 business days, your primary payment account will be charged the promise amount, otherwise the authorization will be released once the funds have cleared. While preauthorized, these funds will not be available to your bank account or credit card until the payment promise has been received by CommuterDirect.com.
Q. Can I make a “One-Time Order” purchase online at CommuterDirect.com that is more than the value of the card?
A. Yes. Place your order online and Click the "Checkout" button. If you have not created an account and logged in, you will be asked to do so at this time. Choose a shipping method and address. You can choose a shipping address you already have on file, or enter a new address. Choose a billing method and address. You can choose billing information that you already have on file, or enter new billing information. Click "pay with this account" under the account information you wish to use.
You will have an opportunity at this point to promise payment by the Commuter Check Card and click "Continue to Step 3."
Note: A valid credit card must be on file to pay by the Commuter Check Card.
Your primary credit card will be preauthorized - but not charged - for the full amount of your order. Download the Commuter Check Mail-in form print it out, and send it in within 10 business days of your order date. If we don't receive the Payment Voucher(s) within 10 business days, your order will be charged to your submitted payment account.
Review your order carefully before submitting. If you make any changes, click the orange "Update Order" button. When you are sure that all of your order information is correct, click "Submit Order."
Q. Can I load personal funds onto the Commuter Check Card?
A. No. If you have insufficient funds on your card to purchase your transit pass you will have to complete a “split transaction”.
Q. Are there any cardholder fees?
A. If an active Commuter Check Card is not used for 13 months, your card account will be charged a monthly inactivity fee of $3 per month.
Q. What happens if I lose my Commuter Check Card?
A. The card should be treated like cash and is non-refundable in the event of loss or damage.
Q. Where can I find the terms and conditions?
A. Your employer can provide you a copy of the current Terms and Conditions or you may visit www.CommuterCheckCard.com, log in and access the terms and conditions.
Q. I don’t see my Commuter Check Card question here , how can I contact Customer Support?
A. Customer Support is available from 8:00 AM to 8:00 PM Eastern time and can be reached by phone at 800-385-7087.