You can transfer funds to your bank account at any time. There is a fee for this transaction, so please check your fee schedule. NSP Managers are allowed one free transfer each month.

Where can I use this card?

You can use your card to purchase goods and services at any merchant that accepts signature-based Visa®.

Why is the word “Debit” on the front of my card?

In response to Visa and MasterCard regulations, Issuers are required to label non-credit products with the term “Debit” after January 1, 2004. Although your card may have the word debit on it, please remember to push credit and sign for purchases at the point of sale in order to indicate you authorize your transaction.

Where can I withdraw cash?

You can use your card to withdraw cash from any ATM that bears the Visa® logo. Please note that there could be a service fee for each withdrawal. This fee, along with any other fees assessed by the ATM machine associated with your ATM transaction, is automatically deducted from your balance. For a complete list of fees associated with your card, please refer to the Disclosures and Fees page.

Can I have an account that has a billing address outside of the United States?

No, not at this time. However, we are currently working to develop international-based products. We’ll let you know when these products are available.

What is an “Account Maintenance” fee?

Your account may be subject to a monthly “Account Maintenance Fee” if it is inactive. An inactive account is defined as an account that meets all three of the following criteria: (1) Your account has been open for at least six months; and (2) You have not added funds or received a payment; and (3) You have not made a transaction that resulted in journal activity with the account in a 90 day period.

How is my card different than a credit card?

A credit card gives you a line of credit, which you have to pay back. Conversely, this card is a debit card that is loaded with YOUR money. You can spend or withdraw the funds as you see fit, but you can’t spend more than your current available card balance.

Will I receive a separate billing statement for my card?

All transactions that you make with your card are available online. When you want to double-check your transaction activity, simply log in to your account on the website (www.prepaid.citi.com/naturessunshine). If you are not able to access your statement online, please contact Customer Service at: 1-800-422-1992 to find out if other statement options are available for your card.

MANAGING YOUR CARD

How do I view my card activity online?

Viewing your card activity online is as simple as one, two, three… 1. Visit the website, the address is printed on the back of your card. 2. Register at the site by providing a username and password. 3. Click the “My Account” icon on the top of your screen. Your card activity will be listed for your review.

Can I change my PIN?

Yes. You can change the PIN. Just call the number on the back of your card, and enter your account information. At the prompt, select 1 for Automated Account Service. Then select 2 to change your PIN, and follow the instructions as presented. You will be prompted to enter the 4-digit PIN that you originally assigned to your card. If you have lost or forgotten your assigned PIN, or feel like the security of your PIN has been compromised, please call Customer Service at: 1-800-422-1992.

What should I do if my card is lost or stolen?

Call 1-877-855-7201 immediately to report a lost or stolen card, and to order a replacement card. If you report the lost or stolen card in a timely manner, you will not be responsible for any unauthorized charges per the Terms and Conditions.

How do I change my address?

If you have moved, or the billing address to which your card was mailed has an error, please update your information in your Account Profile on the website address found on the back of your card. If you need assistance updating your account information, please contact our Customer Service Team (1-800-422-1992). Please update your information with Nature’s Sunshine as well.

Does my card ever expire?

Yes. You can find the expiration date on the front of your card. If your card is about to expire, and is still active, you can obtain a new card (with an extended expiration period) by calling the Customer Service number on the back of your card.

How do I cancel my card?

Please call NSP Customer Service at 800-223-8225 to sign up for direct deposit and cancel your card. Direct Deposit form (PDF)

SHOPPING WITH YOUR CARD

Can I use my card to purchase goods and services?

You can use your card to purchase goods and services at any merchant that accepts Visa signature-based debit cards (depending on the brand presented on the front of your card). To complete a transaction, select “credit” as your payment option to indicate you will sign to authorize your transaction. If the funds are available in your account, the purchase will be approved.

How do I use my card at self-swipe merchant locations?

At certain merchant locations (example: grocery stores), the merchant may require that you swipe your card yourself. On these occasions, make sure that you choose “Credit” as the payment option. Even though your card is a signature-based debit card, the processing network requires you to select “credit.”

Why does my card not work when I try to pay at the pump?

To protect cardholders, we have disabled all cards at self-service pay-at-the pump gas stations. Please note that while you can’t pay-at-the-pump; you can still use your card at these locations by asking the attendant to process your card.

How do I shop online using my card?

Shopping online is easy. Just follow these simple steps: (1) Select the items you want to buy; (2) Proceed to “check out”; (3) Select Visa as your payment option, depending on your card type; (4) Enter your 16-digit card number, and the 3-digit Security Code (if required, it can be found on the back of the card, and it is the last three digits printed in the signature panel), and your expiration date; (5) Enter the billing address that you have associated with your card. That’s it. The merchant will process your transaction.

When shopping online, can I split a payment between my card and a credit card?

Only if the online merchant permits “split” payments. Please note however, that most online stores only accept one credit or debit/check card for payment. And since your card is processed like a Visa transaction, you likely won’t be able to enter more than one card type to complete the transaction.

Can I spend more than my available balance?

No. You will not be able to spend more than your available balance. The merchant will decline your transaction.

What if the amount of my purchase is more than my available balance?

In this case, your purchase will be declined.

Is there a limit on purchases and transactions?

Yes, there is a $10,000 purchase limit per 24-72 hours and a daily limit of 15 purchase transactions.

Why did my balance only decrease by $1 after I made a purchase at a merchant?

Often, online merchants do not immediately charge customers for the full amount of the purchase. Many will “authorize” (temporarily deduct) $1 from your balance for verification purposes. This is a routine practice that affects all standard credit and debit card users. In most cases, merchants that operate in this manner will debit your balance for the full amount of the purchase and return the “authorized” $1 to your balance. The merchant may take up to 30 days to return these funds to your account.

What if a transaction is not approved by an online store?

In the unlikely event that your transaction is declined by an online store, please make sure that you have done the following:

Verified that the merchant accepts signature-based debit cards
Chosen “credit card” as the payment method
Selected “Visa”
Correctly entered your 16-digit card number
Correctly entered your 3-digit Security Code (if required)
Correctly entered your expiration date
Correctly entered your name (as it appears on your card)
Correctly entered your billing address (same address on file for your account)
Not generated a purchase amount that is greater than your available balance

If these tips do not resolve your issue, please contact Customer Service by using the number printed on the back of your card.

WITHDRAWING MONEY

What ATMs can I use to access my funds?

You can use your card to withdraw cash at any ATM that bears the Visa logo. Please note that there is a service fee for each withdrawal. This fee, along with any other fees assessed by the ATM machine associated with your ATM transaction, is automatically deducted from your balance.

How much money can I withdraw from my card at an ATM on a daily basis?

You can withdraw up to $2,500 per day, with a minimum withdrawal amount of $10. If your daily cash requirements are greater than these limits, contact our Customer Service team (1-800-422-1992) for adjustments. Please note, however, that certain ATMs have machine-imposed limits that may not allow you to withdraw the maximum daily amount.

Is there a Daily limit on ATM transactions?

Yes, There is a daily limit of 5 ATM transactions.

How do I know how much money I have in my available balance?

You can check your available balance at this web site, by texting BAL to 445544 or by calling Customer Service at: 1-800-422-1992 .

What buttons do I push to withdraw cash at an ATM?

To withdraw cash from an ATM, select the “withdraw from CREDIT” option. Even though your card is not a credit card, the ATM processing network requires you to select credit.

Can I deposit money onto my card at an ATM?

No. You cannot deposit money onto your card at an ATM.

ADDING MONEY

Can I add funds to my card from my paycheck?

You can instruct your employer to transfer all or a portion of your paycheck directly into your account. It’s a great way to budget your funds or manage your money.

How do I set up a transfer from my paycheck to my prepaid account?

To obtain instructions, log into your account, select “Add $” and choose the direct deposit option. This will link you to a form that contains the information you need to sign up with your employer. Print the form and present the information to your Payroll or Human Resources office. They will set up your direct deposit. If you have any questions, please contact our Customer Service Team (1-800-422-1992).

How much does a transfer from my paycheck cost?

The direct deposit feature is free. Citi Prepaid will not charge you when you add funds to your account via direct deposit.

Do I need a bank account to transfer the funds from my paycheck to my prepaid card?

No. The funds you designated from your paycheck will be transferred automatically to your account.

If I choose to have money placed onto my prepaid card from my paycheck, do I have to put all of my pay into my account?

No. You can choose to have all or a portion of your pay deposited to your account. You specify the amount when you sign up with your employer.

What happens if I am set up to have money go from my paycheck to my card and then I switch jobs?

You can continue to use your account even if you switch jobs. Just work with your new employer to set up direct deposit again.

TRANSFER FUNDS TO A BANK ACCOUNT

What is ACH?

ACH is an electronic transfer of funds from your card account into a personal bank account.

How much can I transfer at a time?

There is no limit on how much you can transfer although transactions will post to your bank account in maximum loads of $9999 until the full amount requested posts.

When can I set up my ACH transfer?

You can set up a transfer through the cardholder website as soon as they receive their card whether there are funds on the card or not.

What are the fees associated with the ACH bank transfers?

There could be a fee associated with making an ACH transfer. It is important to note that you would pay a fee per each $9,999.99 transfer.

Can the transfer be one time or recurring? How does each one work?

You can set up a recurring or a one-time transfer via the website, prepaid.citi.com/naturessunshine or by calling Citi Prepaid Customer Service at: 1-800-422-1992 .

Are the recurring transfers available multiple times each month, or is it only available every time the card is loaded?

Transfers are available every time a payment is made to the card. Recurring transfers are completed on a per payment basis.

Can I transfer my funds to multiple bank accounts, or can I have multiple cards transfer to the same bank account?

Unfortunately, at this time you can only transfer funds to one bank account and multiple accounts cannot transfer to the same bank account.

How many days after the bank transfer does it take for the funds to be available in the allocated bank?

It takes 1–3 business days for funds to be available, depending on the size of the bank. Larger banks have a tendency to process more quickly.

SECURITY AND PRIVACY

How do I know my personal and card information is secure?

All transactions with us take place on a secure server, and all of your personal and card information is encrypted using a Secure Socket Layer (SSL). We encourage you to carefully review our Privacy and Security Policies if you have further questions about these matters.

Will you divulge my personal information to anyone?

No. Citi Prepaid Services will not divulge your email address or other personal information to any third party without your authorization. Upon registering your account on the website, you can choose whether or not you want to receive communications from us or our partners. Please read our Privacy and Security Policies for more details. If a partner of Citi Prepaid provides your card, it may be necessary for Citi Prepaid and the partner to transfer your personal data between one another to set up and maintain your profile. Please contact the partner providing the card for more details.

Summary of Fees
Account Maintenance Fee (if applicable)*		$3.00 per month
Domestic ATM Withdrawal Fee		$1.50 per transaction
International ATM Withdrawal Fee		$3.50 per transaction
Domestic ATM Balance inquiry		$0.75 per balance inquiry
ATM Transaction Decline		$0.75 per transaction
Point-of-Sale (POS) Transaction Decline		$0.75 per transaction
ACH Withdrawal Fee (if applicable)		$1.50 per transaction
A Plastic Replacement Fee		$6.95 per request
Secondary Accountholder Plastic Fee (if applicable)		$6.95 per request
International Transaction Fee**		3.00% per transaction

*Account Maintenance Fee: Subject to applicable law, a monthly maintenance fee will be applied to all accounts, provided that the fee for months 1-6 will not be collected until the six month anniversary date. Fees thereafter will be collected monthly. Fees will be postponed if either of the following criteria [are/is] met: 1) There have been funds added to your account in last three months; 2) There have been purchases made with your account in last three months. The charge will be recurring each month unless the account is active as stated in (1) or (2) above or the balance of the account is $0.00.

**International Transaction Fee: A 3% fee will be applied to all transactions made outside the United States. This fee is included in the total amount of the settled transaction. See the Terms of Use for additional information regarding Foreign Transactions.

Resources

Prepaid Card Overview

Update mailing address and email

Request Direct Deposit (PDF)

View Your Bonus Statement

better than a check

Prepaid Card FAQ

ABOUT YOUR CARD

When will I be paid each month?

Can I transfer from my card to my regular bank account?