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Help Center

Here's what other people just like you wanted to know.

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Card Fees

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How much does the Opt+ card cost?

In addition to the initial card cost, certain fees apply. Click to see the full fee schedule.

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Can I use my Opt+ Mastercard® to withdraw cash from ATMs?

Yes! Registered Opt+ Mastercard® cards can be used to obtain cash from any ATM that has the Mastercard®, Maestro®, or Cirrus® logo. Fees apply to each ATM transaction, in addition to any fees the ATM owner may charge.

Deposits, Withdrawals & Spending

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How do I load money to my card?

Add funds fee free at any Cash Money location.

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Is there a daily limit to the amount of money I can withdraw from an ATM?

Yes. Just like a bank ATM card, there is a limit. The Opt+ prepaid Mastercard® withdrawal limit is $1,000 per day, with a maximum of 4 withdrawals and a maximum of $300 per withdrawal.

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Where can I use my Opt+ card to make a purchase?

Opt+ prepaid Mastercards® are accepted worldwide wherever Mastercard® is accepted.

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Can I use my card to pay bills online?

Yes! Your Opt+ card can be used anywhere Mastercard® prepaid cards are accepted, including online and over-the-phone purchases.

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Can Opt+ cards be used to purchase gas at the pump?

Yes; we recommend you prepay inside. If paying at the pump, there will be a $75 hold on your funds to ensure your card has enough funds to cover your gas purchase. If your card doesn't have a $75 balance, it will be declined. By paying for your gasoline inside, only the actual purchase amount will be withdrawn from your card balance.

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Can an Opt+ card be used for pre-authorized payments or bill payments?

Yes. Just check with the company that is accepting the payment to see if they accept Mastercard® cards and follow their payment instructions. A pre-authorization means that a temporary hold is placed on a portion of your funds over and above the actual purchase amount until the merchant settles the transaction - usually within 3 days. During this time these funds will not be available to you to make additional purchases or ATM cash withdrawals.

Still have questions?

This card is issued by PACE Savings & Credit Union Limited pursuant to license by Mastercard International. Use of this card is governed by the agreement under which it is issued. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Tap & Go is a trademark of Mastercard International Incorporated. Data rates may apply. Card funds are not insured by Canada Deposit Insurance Corporation or any other government deposit insurer or agency.

Google Play and the Google Play logo are trademarks of Google LLC. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply

Opt+ may make phone calls or deliver SMS text messages to your phone number based on your account settings. To view details, please refer to the Phone Terms of Use and the SMS Terms of Use