Q1.  What choices do I have for receiving my child support payments?

A1.  You can choose to have your child support payments deposited directly into your bank account or transferred into a debit card account (Nevada Debit Card). Checks will no longer be issued, unless you qualify for an exemption.
 

Q2.  What is Direct Deposit?

A2.  The child support program sends an electronic payment to your bank account with the exact amount of the child support payment we received on your behalf. You can then withdraw the money, keep it in your account, or pay bills. With direct deposit your money is available sooner than if you wait for the check to come in the mail or clear at the bank. Best of all, direct deposit protects your payments from being lost or stolen.
 

Q3.  What is the Nevada Debit Card?

A3.  The Nevada Debit Card is a Visa debit card. Child support payments are transferred electronically into your card account from which you can access your money at any Automated Teller Machine (ATM). In addition, the card will carry the Visa logo, allowing you to make purchases wherever Visa debit cards are accepted. Although the Nevada Debit Card carries the Visa logo, it is not a credit card. You are using your own money from child support payments deposited on your behalf.
 

Q4.  What choice is best for me?

A4.  Your best choice depends on your situation. Both direct deposit and the Nevada Debit Card provide many of the same benefits. There are no checks to get lost or stolen, the money is available to you as soon as it is deposited, and your payments will not be interrupted, even if you move. One important consideration is cost. The child support program does not charge any fees for using the direct deposit service or the Nevada Debit Card. However, the Nevada Debit Card is offered by J P Morgan Chase Bank and there could be ATM and other transaction fees charged by JP Morgan when using the Nevada Debit Card. These fees will be fully disclosed to you when you receive a debit card, and you will be given instructions on how to minimize these fees.
 

Q5.  How do I choose direct deposit?

A5.  To request direct deposit you must complete the Direct Deposit Information and Authorization Agreement. To print the form click here http://www.churchillcounty.org/da/csd/dirdep-req.pdf. Mail or fax the completed form to the address or fax number listed on the application. Direct deposit will begin approximately 30 days from the date your direct deposit application is received by the State Disbursement and Collection Unit (SCaDU).
 

Q6.  How do I choose the Nevada Debit Card?

A6.  A Nevada Debit Card will be automatically issued to you if you do not request direct deposit.
 

Q7.  What fees will I have to pay if I choose Direct Deposit?

A7.  The Child Support Enforcement Program offers direct deposit free of charge. Although most banks provide direct deposit services without charge, you should check with your bank about any fees it may charge.
 

Q8.  What fees will I have to pay if I receive the Nevada Debit Card?

A8.  The Nevada Debit Card is offered by Chase Bank. While we have worked together to keep the costs associated with this service as low as possible, certain ATM and other transaction fees will apply. The Nevada Debit Card current schedule of fees and services are listed below (scroll down).

Q9.  Will the card say that it is child support money?

A9.  No. There is nothing on the card itself to indicate that the funds associated with the card are child support payments. The front of the card has the Visa logo and looks like a credit card.
 

Q10.  My credit is bad. Can I still receive a Nevada Debit Card?

A10.  Yes. While the Nevada Debit Card looks like a credit card, it is not a credit card, and your credit rating has no effect on you receiving a Nevada Debit Card.
 

Q11.  Can I sign up for direct deposit after I have received the Nevada Debit Card?

A11.  Yes. You may enroll in direct deposit at any time.

 

NEVADA DEBIT CARD PROGRAM SCHEDULE OF FEES AND SERVICES

Card Attributes:

• Card Brand - VISA Debit
• Currency of Issue - US Dollars
• Card Expiration - Cards will expire within 3 years from date of issuance. New cards will be automatically issued to active accounts prior to the expiration of the old card for the duration of the program.
• Card Type - One primary card per participant. ("Cardholder")
• Card Design - Unique Card design to be approved by the State of Nevada with acceptance marks on front and back of Card.
• Card Acceptance - Cardholders may access funds by using their Nevada Debit Card for transactions at Visa retail locations and at Cirrus, Star, NYCE, Chase and Allpoint ATM locations. Cardholders may request cash back through PIN-based transactions at Visa retail locations, subject to that location's cash-back policy.
• Card Package - will include the Direct Payment Card "Nevada Debit Card" Card Carrier, User Agreement and instructional brochure.

Activation Process: Cardholder self-activation via toll-free number or by first use of the PIN for replacement cards.

Statements: Cardholders will receive monthly statements of their activity.

Customer Service: Cardholders may obtain Account balance information, transaction history, PIN services, lost or stolen card assistance, and initiate transaction claims via the web or by call Chase's customer service 1- 866- 865-1382 24 (toll-free) 24 hours a day, 7 days a week. If a Nevada Debit Card is lost or stolen, Cardholders can mitigate their fund losses due to fraud by calling Chase immediately.

FEE SCHEDULE
Pricing Components for Nevada Debit Card Program

Cardholder services fees will be fully disclosed to recipients in the Disclosure Statement and User Agreement distributed with cards upon enrollment.

Cardholder Service Service Fee	Service Fee
Monthly account maintenance	No fee
Account inactivity (following 12 months of inactivity)	$1.50 per month
Free ATM cash withdrawals per month at any ATM	1 per deposit
ATM cash withdrawal fee after first deposit	$1.50 per transaction
ATM surcharge through the Allpoint network	No fee
POS transactions	No fee
ATM balance inquiries	$0.50 per transaction
Web balance inquiries	No fee
Customer service calls, including telephone balance inquiries: Limited to 5 free per month.
Each additional call after the 5th. Call	$0.25
ATM denial for insufficient funds	$0.50 per transaction
Check issuance per check	$12.50
International ATM transaction	$3.00
Replacement card
First replacement per year requested by a cardholder or for replacing expired cards	No fee
Each additional card per year	$5.00 per card
Additional cards on account	No fee
Expedited card replacement or expedited check issuance	$10.00
Card-to-card transfer	$4.95
Overdraft or negative balance	No fee
PIN changes	No fee
Account closure	No fee
Research and retrieval	No fee
Postage assessment	No fee

Description of Cardholder Service Fees:

Monthly Account Maintenance— Core account services will be provided to cardholders receiving payments through the Nevada Child Support Program with no monthly account maintenance fees other than those defined in the fee schedule.

Account Inactivity— Monthly fee assessed for accounts with no deposit or transaction activity for a consecutive period of twelve months.

First ATM Cash Withdrawal per Deposit at Any ATM— No fee is assessed by JP Morgan for the first successful withdrawal of cash from any Cirrus, Visa, STAR, NYCE, or Allpoint ATM per deposit made in a one month period,

ATM Cash Withdrawal Beginning the second transaction each Deposit— Applicable ATM fee beginning the second ATM transaction per deposit.

ATM Surcharge through the Allpoint Network— Cardholders will not be assessed an ATM surcharge at any ATM displaying the Allpoint logo.

POS Transactions— Cardholders will not be charged by J P Morgan for performing purchase, or purchase with cash-back transactions at retail POS, including mail order, telephone, and Web at retail locations that accept Visa debit transactions.

ATM Balance Inquiries— Fee for performing account balance inquiry transactions at ATM's.

Web Balance Inquiries— There will be no fee for performing balance inquiries using the Web.

Customer Service Calls Including telephone Balance Inquiries— Callers will have access to the Customer Service Helpdesk for services such as balance inquiry and reporting lost and stolen cards. JP Morgan limits the number of free calls to the helpdesk to five per month with a nominal fee for calls exceeding that number.

Bank Teller Withdrawal at Visa Member Banks— Fee for withdrawing funds over-the-counter (OTC) at any Visa member bank locations.

ATM Denial for Insufficient Funds— Fee per ATM transaction denied due to insufficient account balances.

Check Issuance— Fee for a check requested by cardholders, and supported by adequate account balances.

International ATM Transaction— Fee per ATM withdrawal transaction at ATM locations outside of the United States.

Replacement Card— Fee per replacement card requested by cardholders. Cardholders may request one replacement card per year with no fee and cards issued to replace expired cards will be replaced with no fee. Card replacement fees will apply beginning with the second card requested by a cardholder in a year.

Additional Cards on Account— There will be no fee to cardholders who request additional cards or cash transfer cards associated with a primary card account.

Expedited Card Replacement or Check Issuance— Fee for expedited delivery of replacement cards or checks requested by cardholders using an overnight courier service. Card-to-Card Transfer-Fee per transfer of funds from primary accounts to cash transfer cards at the request of primary cardholders.

Overdraft of Negative Balance— No fees assessed to cardholders for overdrawing account balances. JP Morgan will not assess any charges for overdrafts. There is no possibility of overdrawing an account with normal usage at an ATM or POS. On rare occurrences and overdraft can occur when merchants per-authorize transactions.

Personal Identification Number (PIN) Changes— Cardholders will not be charged to select a new PIN or change existing PINs.

Account Closure— No fees to close accounts.

Research and Retrieval— No fees to research claims, disputes, or any other account activity.