Pay Cards [1]
Employee Services recommends all employees enroll in Direct Deposit as it provides quick access to pay, it's secure and easy to set up. Click here to sign up [2].
What are pay cards?
The University of Colorado works with Brinks to issue employees not enrolled in Direct Deposit Brink's Money cards.
- Pay cards are an alternative to paper checks. This alternative allows CU to comply with regulations and saves printing and mailing costs. Paper checks are only issued to student employees.
- Each pay day [3], your pay will be loaded onto your card at 7 a.m. MT. From here, you can withdraw money at a bank or ATM.
- Pay cards hold your money in an FDIC-secured bank.
- If your card is lost or stolen, you can report it to Brinks. They'll cancel your card and send you a new one.
How pay cards work
Pay cards provide a secure method to get paid.
- If you're an eligible employee who does not set up an account for Direct Deposit before payroll is processed (two weeks before pay day for monthly-paid employees), you will be mailed a pay card and a pay card packet. Two important points:
Check your mailbox for the pay card packet! Look for a thick envelope with the CU logo.
Check your mailing address information in the portal [4] to make sure it's correct. If it's not, we won't be able to deliver your pay card packet or your new pay method to you.
- Call the number on the front of the card to activate it. Follow the instructions on your card to set your PIN at least 24 hours before your first deposit.
- The first card you receive is temporary. It can be used to make signature-based purchases in restaurants, stores, online and by phone anywhere debit MasterCard is accepted. Once you enroll, a card with your name on it will be sent to your mailing address.
- Want all of your pay in cash? You can do that. After you activate your pay card, take it to a U.S. Bank branch, member bank or any bank with a MasterCard logo to withdraw cash.
- Each pay day, your newly deposited funds will be available starting at 7 a.m. MT.
Pay card benefits
Pay cards provide increased security and services compared to paper checks:
Free bank and ATM use. You will have access to hundreds of banks and ATMs within a short distance of each CU campus, and you won’t be charged additional fees. To find an Allpoint Network ATM visit allpointnetwork.com [5] or brinksmoney.com [6].
Get your money faster. You’ll be able to use your card to withdraw or transfer deposited funds starting at 7 a.m. MT on pay day.
Free replacement of lost cards. If you lose your card, call Brinks customer service for a free replacement. You’ll be eligible to receive one free replacement card each year.
Online money management. Access everything from your balance to your account history via Brinks’ online account center.
Free checks from Skylight Financial, the processing side of Brinks. Order and receive free checks for your personal use.
Ask for cash back at stores. When making a PIN-based purchase at participating stores, including grocery stores, discount outlets and convenience stores, ask the cashier for cash back or use the PIN pad to indicate you’d like cash back.
Take your card with you. If you leave your position at CU, you can use your pay card to set up Direct Deposit with your new employer.
When to cancel
While you get paid at the end of each month, CU's payroll team begins processing pay weeks in advance. If you want your next pay to be directly deposited into a new bank account, you must enroll in Direct Deposit [7] before CU starts collecting your time and processing your pay.
To enroll in Direct Deposit, log in to the employee portal [8] and select My Info and Pay from the dropdown menu at the top, center of the page. Click the Direct Deposit tile. (You'll be prompted to authenticate your identity [8] via our security feature, which ensures your direct deposit bank account information is safe.)
Deactivating your pay card
Only deactivate your pay card after you’ve been paid via Direct Deposit.
Once you've confirmed Direct Deposit is working, call the number on the back of your pay card to deactivate it. Note: If you fail to deactivate your card within 90 days of opting out of using it, you will be charged a monthly inactivity fee.
What is the Brink's Money Program?
Where can I use my Brink's Money Card?
What are Skylight Checks and how can I use them?
You will receive two checks in your new account packet. You can order additional checks for free by calling Customer Service at the number on the back of your card.
What does the Brink’s Money Program cost?
Will I get a new card each pay day?
My Brink’s Money Card doesn’t have my name on it. Can I still use it to make purchases?
Can I request more than one card?
What happens if I lose my card?
How can I check my balance and track my spending?
A toll-free automated telephone service provides 24/7 account information. Plus, after you register for online access at brinksmoney.com [9], you can visit the online Account Center anytime to check balances, review transactions, and view or print statements.
You can sign up for Anytime Alerts at no charge to schedule balance, deposit or payment updates to be sent directly to your cell phone or email inbox. Or, text Brink’s and they will text your balance to you.
What if I want to talk to someone about my account?
Spanish FAQ
Based on how you use your card, some fees pay apply. These fees will be automatically debited from your account. Please review the following list, so you understand the fees related to your account.
| Service | Fee |
|---|---|
| Maintenance Fee - Primary Card | No Charge |
| Signature Debit Purchase | No Charge - At participating MasterCard merchants |
| MasterCard Over-the Counter Cash Withdrawal (down to the penny) | No Charge - Available at any MasterCard Member banks |
| Balance Inquiry by calling the automated phone system (IVR) | No Charge |
| Balance Inquiry via Anytime Alerts | No Charge - Cardholder must opt-in for free Anytime Alerts, which are sent via email or text. Cardholder's standard rates or other charges for receiving text messages may apply. |
| Balance History Inquiry via Live Customer Agent | $0.50 |
| Domestic AllPoint ATM withdrawal | No Charge - ATM transaction on the Allpoint network are fee-free and surcharge free |
| Other Domestic ATM withdrawal | $1.50 - ATM transaction are surcharge free within Skylight's sponsored networks; other ATM owners may assess a surcharge |
| International ATM withdrawal | $1.50 |
| International (Foreign) Transaction-Conversion Surcharge Fee | 3.5% of transaction amount - Skylight charges a fee of 3.5% of the U.S dollar amount of any international transaction, including ATM withdrawals, signature-based purchases and internet, mail or telephone orders processed in countries outside the U.S. Funds dispensed in local currency. The amount of any foreign transaction will post to the cardholder's account in U.S. dollars |
| PIN Debit Purchase | No Charge - At participating MasterCard merchants |
| Skylight Checks | No Charge - using/cashing and reordering |
| Purchase transaction Decline | $1.25 |
| Balance inquiry via ATM | $1.25 |
| ATM Transaction Decline | $1.25 |
| Maintenance Fee -Secondary Card | No Charge |
| Card Replacement | No Charge - Delivered regular mail |
| Card Replacement - expedited delivery | $20 |
| Overdraft Fee | If you DO NOT enroll in overdraft protection, your transactions will be declined if there is not enough money in your account. If you DO enroll in overdraft protection, you will be charged: $25 - for any overdraft transaction Brinks chooses to pay; fee is per transaction, up to five (5) fees per month. |
| ACH Return Fee | No Charge |
| Stop Payment Fee | No Charge |
| Monthly Electronic Statements | No Charge |
| Monthly Paper Statement | No Charge - Must opt-in for paper statements |
| Paper Statement Reprints | No Charge |
| Inactivity Fee | $2.50 - Per Month. Assessed after 90 days of continuous inactivity. For former employees/ported cards only. |
| Live Customer Support | No Charge - Other than balance inquiries |