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FAQ
Frequently Asked Questions
Below is a list of commonly asked questions about the Signature Card:

SpacerQ: My deposit failed, why is the charge showing up on my bank statement?
SpacerQ: I recently moved and I updated my billing address with my credit card company. Why doesn't my address work when making a deposit?
SpacerQ: Why do I receive an e-mail every day telling me my balance is low?
SpacerQ: Why can't I pay Tuition and Fees with my Signature Card?
SpacerQ: May I withdraw funds from my Signature Card account?
SpacerQ: Why is there a minimum deposit amount of $5.00?
SpacerQ: I have a payroll deduction plan. Why am I unable to make deposits to my account?
SpacerQ: Why do you require address verification when I make a credit card deposit?



Q: My deposit failed, why is the charge showing up on my bank statement?
A: When you request a funds transfer to your Signature Card, your funds are encumbered, then your credit card billing information is checked. (This is different than most online transactions because you are requesting an immediate funds transfer rather than purchasing an item that will be shipped.) If the billing information does not match, the funds transfer is rejected but the funds may not be immediately released. It usually takes 2-5 business days for the encumbered funds to be released - for the transaction to be removed from your statement. Please be aware that banks have up to 30 days to release encumbered funds but most banks do not take that long and will release encumbered funds if you call them.
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Q: I recently moved and I updated my billing address with my credit card company. Why doesn't my address work when making a deposit?
A: Your credit card company has several databases where they'll need to update your billing address. The database associated with a money transfer is one of the last databases to be updated. Signature Card deposits are handled like a money transfer so it may take up to 3 months for your new address to work. Try using your old address. If this does not work either you may want to contact your credit card company.
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Q: Why do I receive an e-mail every day telling me my balance is low?
A: If you have indicated you would like an e-mail to be sent when your balance is low, the e-mail will be sent daily for as long as your balance is under the designated amount.

To stop receiving the email, go to the Low Balance Warning link in the upper right corner, delete the email setting, and save.
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Q: Why can't I pay Tuition and Fees with my Signature Card?
A: Signature Card payments for tuition and fees were discontinued as of Winter 2006 in an effort to reduce certain fixed banking card transaction fees to the university. This allowed Signature Card Services to continue processing banking card deposits to the Signature Card without passing any fees on to you.

The Signature Card is a debit account for use at campus retail locations.
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Q: May I withdraw funds from my Signature Card account?
A: Withdrawals from your Signature Card account are limited to one weekly withdrawal with a maximum amount of $300.00. A $10.00 processing fee will be charged. Withdrawals are issued by check and usually take 1-2 weeks to process.
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Q: Why is there a minimum deposit amount of $5.00?
A: As per the university's contractual agreement for processing bank card transactions, certain fixed fees are applied to each bank card transaction. These fixed fees make ‘low dollar’ transactions more expensive to process and over time will increase the percentage assessed to all BYU bank card transactions. Therefore, it is necessary that we set a minimum transaction amount.

Because of the quantity of multiple $1, $2 and $3 dollar transactions being made by individual students, and keeping in mind student finances and the purpose of Signature Card accounts, we have chosen to set this minimal deposit amount to $5.00.

You can still make a cash deposit of less than $5.00 on the 2nd and 3rd floors of the HBLL, in the WSC ID Center or at most clerk locations accepting the Signature Card.
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Q: I have a payroll deduction plan. Why am I unable to make deposits to my account?
A: Payroll Deduction plans are credit plans and are designed to deduct your purchases from your paycheck. You can raise or lower your credit limit for a pay period at any time. To raise or lower your credit limit, please contact our office at 422-3866.
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Q: Why do you require address verification when I make a credit card deposit?
A: Address verification is an industry practice which helps prevent credit card fraud.
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BYU Home | Signature Card Services | --U.S. Patent No. 6,963,857
Personalize
Give A Guest Access
Give access to parents and guests
Low Balance Warning
Notify Me When My Balance Is Low
Request Money
Send an email requesting money
Automatic Deposits
Setup recurring deposits when your balance gets too low.
Signature Card Services
SPECIAL HOURS
Sat, Jun 22: 10am-4pm
Thu, Jul 4: CLOSED
Wed, Jul 24: CLOSED


REGULAR HOURS
Monday-Friday 8am-6pm
Saturday 10am-2pm

*Closed for Devotionals and Forums
Tuesdays 10:50 am-12:00 noon

2310 WSC
Provo, Utah 84602
801-422-3866
signaturecard.byu.edu
signature_card@byu.edu

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