Help

Frequently Asked Questions

Please read these FAQ's if you have any questions about MoneyExchange. If you need further assistance, feel free to contact us here. Or call us at 1-800-794-9071 at any time between 7 a.m. and 9 p.m. Eastern Time seven days a week to speak with a customer service representative.

Top Level Categories

     I. Top Questions
    II. Security and Privacy
   III. Account Basics
  IV. Add Money
   V. Send Money
  VI. Receive Money
VII. Request Money
VIII. Withdraw Money
  IX. MoneyExchange Card
X.  Fees
XI. Company Information

I. Top Questions
What is MoneyExchange?
How does MoneyExchange work?
Why should I use MoneyExchange?
How much does MoneyExchange cost?
How can I contact MoneyExchange?
Who is Revolution Money?
Who is First Bank & Trust?
Is Revolution Money a bank?
Is MoneyExchange a new service?

Q. What is MoneyExchange?

A. MoneyExchange is an easy and reliable way to send and receive money online between accountholders. It's a great way to exchange money with friends, colleagues, or online sellers. Share restaurant, travel or household expenses. It's easy, reliable and secure.

Q. How does MoneyExchange work?

A. To use MoneyExchange, the first thing you need to do is sign up for a MoneyExchange account. When you sign up, you will establish a stored value account with First Bank & Trust, Brookings, South Dakota (Member FDIC), which is also referred to as your MoneyExchange account. With your MoneyExchange account, you can send funds to and receive funds from other MoneyExchange accountholders.

Linking your MoneyExchange account directly to your existing bank (checking or deposit) account will allow you to transfer money to your MoneyExchange account electronically (i.e. Add Money) or withdraw funds electronically to your bank account. When you provide us with your bank account information, we will verify your authority and access to the account you identify by using the Account Verification Services, which is offered in connection with Yodlee, Inc. It is not a requirement however, to link your MoneyExchange account to your bank account to receive funds from other MoneyExchange accountholders, request funds from others, or withdraw funds from your account by check.

Q. Why should I use MoneyExchange?

A. With MoneyExchange you can securely send money to other accountholders with just a few clicks of the mouse. MoneyExchange helps you repay others for covering your restaurant, travel, or household expenses when you don't have cash handy:

You're dining with a friend and you realize you're short on cash. No worries. If your friend can pick up the tab, all you have to do is simply send them your portion of the bill through MoneyExchange. It's easy and you won't have to stop at an ATM, make change, or write a check.
If you have roommates, you know what a hassle paying monthly bills can be. MoneyExchange makes it easy to share expenses without writing checks, withdrawing cash, or making a trip to the bank. One roommate can pay the bills and the others can send their portions through MoneyExchange. It's one less thing to worry about.
Traveling with friends and you realize you're out of cash? Rest easy. If a friend can spot you a few bucks, simply pay him/her back using MoneyExchange.
Looking for an easy way to collect money from online buyers? MoneyExchange is a safe and secure way to receive payments from online buyers into your bank account.

MoneyExchange brings you the convenience of sending and receiving money. Protecting the security of your financial information is the most important thing to us. We take multiple steps to ensure that all transactions are secure.

Q. How much does MoneyExchange cost?

A. MoneyExchange is an easy and secure way to send and receive money online for FREE.

FREE to add money from your bank account
FREE to send money
FREE to receive money
FREE to request money
FREE to electronically transfer money to your bank account
A transaction fee applies check stop payments ($20 per check), paper statements ($5 per statement), and ACH returns ($35 per returned ACH). If you use your MoneyExchange RevolutionCard a transaction fee applies for ATM withdrawals ($1.50 per withdrawal) and ATM balance inquiries ($1.50 per inquiry). See Accountholder Agreement for more detail.

MoneyExchange does not charge you any fees for electronically adding money to your account or electronically transferring money to your linked bank account. You should check with your bank to determine whether they will charge you any fees for adding or withdrawing money from your MoneyExchange account.

Q. How can I contact MoneyExchange?

A. Please click here to email us or call our customer service line at 800-794-9071 at any time between 7 a.m. and 9 p.m. Eastern Time seven days a week.

Q. Who is Revolution Money?

A. Revolution Money is an alternative payments company that seeks to change the way people pay by providing secure, easy and flexible payment solutions for everyone. MoneyExchange is a product and service of Revolution Money. Learn more about us at Company Information.

Q. Who is First Bank & Trust?

A. First Bank & Trust is a state chartered bank located in Brookings, South Dakota. First Bank & Trust is a member of the FDIC and a part of Fishback Financial Corporation. Learn more about us at www.bankeasy.com.

Q. Is Revolution Money a bank?

A. No, Revolution Money is not a bank. The money in your MoneyExchange account is held for you at First Bank & Trust Brookings, South Dakota (Member FDIC). Please see the Accountholder Agreement for more detail.

Q. Is MoneyExchange a new service?

A. Yes, our goal is to create a service that provides exactly what consumers want. Therefore, we've launched our product with many of the features that we think you would want to have with a MoneyExchange service. However, we want to get feedback from you right away so we can continue to improve our service every day until we get it exactly right, which means exactly how you want it. So please let us know! Click here to provide feedback.

II. Security and Privacy

Q. I am concerned about security. Are my MoneyExchange transactions secure? How?

A. Absolutely. RevolutionMoney takes the security of your transactions very seriously. We use advanced security technology to help guard against unauthorized access to your accountholder data. All MoneyExchange transaction information is transmitted with a Secure Socket Layer (SSL) connection via the Internet. SSL is a protocol for transmitting sensitive information over the Internet using an asymmetric cryptographic system that uses two keys a public key that is used to encrypt the data and a private key known only to the recipient to read the encrypted message. SSL encrypts your personal information before it leaves your computer, ensuring no one else can read it.

In addition, we provide protection against unauthorized use of your account by requesting a personal identification number (PIN) before authorizing any transfer of money, thus ensuring an extra layer of security. We use the PIN to generate a 128 bit key that is used to encrypt the message with state of the art encryption algorithm. Once the message is encrypted, your PIN is no longer necessary and thus not stored or transmitted. And on top of that, the whole process is secured via a multi-factor authentication process.

Q. I must provide Revolution Money with my personal bank account information in order to fund my MoneyExchange account. Is storing my bank account information on the MoneyExchange site secure?

A. Yes. Personal information is stored in encrypted form.

Q. How else does MoneyExchange assure me about its level of security?

A. Our number one priority at Revolution Money is to maintain a high level of security, as we know protecting your financial information is a primary concern when registering with our service.

You might wonder why we ask for certain pieces of information that you may be nervous to share, such as your Social Security Number. We would not ask for any information that was not necessary to enable the security we promise to you. Also, to help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

With identity theft on the rise, we use your Social Security Number to confirm your identity by cross referencing it against other personal data you provide. This way, if someone were to get a hold of your Social Security Number, a MoneyExchange account could not be set up in your name without knowing your other personal information. So, sometimes it may seem as if you have to share more information about yourself, but in the end it actually protects your financial information to an even greater degree.

Finally, we have set limits on adding, sending, and receiving, money to or from your account to help guard against fraud. It's not that we're trying to control your spending behavior. We came up with the idea of MoneyExchange because we wanted to make it easier for you to exchange money with others, not to impose limits. But we also have to be concerned about fraud, so we have set up limits on how much money can move between accounts each day to limit the risk that there is any fraudulent behavior. Again, protecting your money is our utmost priority.

Q. Do you have a privacy policy?

A. Yes, we are committed to protecting our consumers' privacy and security. Please review the Privacy Policy Notice to understand how personal information is collected, used, and protected.

III. Account Basics

Q. Does it cost anything to use MoneyExchange?

A. MoneyExchange is an easy and secure way to send and receive money online for FREE.

FREE to add money from your bank account
FREE to send money
FREE to receive money
FREE to request money
FREE to electronically transfer money to your bank account
A transaction fee applies for check stop payments ($20 per check), paper statements ($5 per statement), and ACH returns ($35 per returned ACH).If you use your MoneyExchange RevolutionCard a transaction fee applies for ATM withdrawals ($1.50 per withdrawal) and ATM balance inquiries ($1.50 per inquiry). See Accountholder Agreement for more detail.

MoneyExchange does not charge you any fees for electronically adding money to your MoneyExchange account or transferring money electronically to your linked bank account. You should check with your bank to determine whether they will charge you any fees for adding or withdrawing money from your MoneyExchange account.

Q. Is there a maximum amount I can have in my account?

A. Yes, your aggregate account balance may not exceed $2,500 at any time.

Q. What if I forget my User ID or Password?

A. If you forget your User ID or Password, click on the "Forgot User ID or Forgot Password" link next to the Login box. We will ask for your email address, your Social Security Number, and then you will be asked the secret question that you've selected. Your answer must match the one we have on file for your account. Once you have verified the information for the Forgot User ID process, your User ID will display. When you have completed verification for a forgotten Password, a password reset code will be sent to the email address we have on file for you for security reasons. Once you receive the Password reset code and entered it on the website, you will be prompted to create a new pssword.

Q. Can I have multiple accounts?

A. No, you may only have one MoneyExchange account per person.

Q. Can I send or receive money internationally?

A. At this time, money cannot be sent or received internationally. You must be a U.S. resident to register for MoneyExchange. In addition, your MoneyExchange account can only be linked to a U.S. bank account at this time. If you are interested in sending or receiving money internationally and would like to have MoneyExchange add this option, please let us know by filling out the form on the Contact Us page.

Q. How do I withdraw money from my MoneyExchange account?

A. There are a few ways to withdraw money. You can either transfer funds electronically from your MoneyExchange account to your linked bank account at no charge or you can request that we send you a check in the mail. If you have activated your MoneyExchange Card, you can use it to withdraw available funds from your account via participating ATMs nationwide. Fees apply for ATM withdrawals. Please refer to the Accountholder Agreement for a list of applicable fees.

Q. Can I use MoneyExchange to pay merchants?

A. You can pay merchants with funds from your MoneyExchange account only if the merchant also has a MoneyExchange account. If the merchant you wish to pay is not registered for MoneyExchange, send them an invitation by going to Refer a Friend and encourage them to join. This way, once the merchant has registered for MoneyExchange, you will be able to make your payment using MoneyExchange.

Q. Can I earn interest on the funds in my MoneyExchange account?

A. No, the money in your MoneyExchange account does not earn interest.

Q. Will I receive statements?

A. Yes, you will receive electronic statements on a monthly basis at no charge. When your statement is ready, you will receive an email notification with a link to the Login Page. You will then find your statement on the "My Account" page. You can request a paper copy of your monthly statement by calling Customer Service at 1-800-794-9071. Please be aware that you will be charged $5 fee per statement. You can also view up-to-date account summary and transaction history information online, at any time, under the My Account and Transaction History tabs.

Q. I have questions about MoneyExchange. Where should I go?

A. If you can't find the information you are seeking in these FAQs, please submit an email to us at anytime by clicking here. If you would prefer to speak with a customer service representative over the phone, please call us at 1-800-794-9071 between 7 a.m. and 9 p.m. Eastern Time, seven days a week. If you are calling outside these hours, please feel free to leave a message and someone will get back to you promptly.

Q. How do I cancel my MoneyExchange account?

A. We value your account with us and will do our best to address any questions or concerns. Should you nevertheless decide to cancel your account, you can do so by going to the terminate your Revolution MoneyExchange account link which can be found on the User ID screen under the My Profile tab. In order to close your account, you must recall any transactions awaiting approval and have a zero balance in your MoneyExchange account. You can withdraw any balance in your MoneyExchange account by transferring the funds via ACH to your bank account at no charge, or you can request to have a check sent to you. On the "Cancel Account" page, you will be led through these steps. Before selecting the "Cancel Account" button, please specify a reason for cancelling the account and any additional comments you'd like us to know. We will send you a confirmation email letting you know that the request has been processed and that the account has been cancelled.

Q. What is the Accountholder Agreement?

A. The Accountholder Agreement is the contract outlining the terms regarding your use of the MoneyExchange acount that has been established for you by First Bank & Trust, Brookings SD (Member FDIC). Click here to review the Accountholder Agreement.

IV. Add Money

Q. What does it mean to "Add Money"?

A. Add money lets you load funds into your MoneyExchange account from your existing personal bank account. You can start receiving funds from other MoneyExchange accountholders and requesting funds of others immediately upon registration, but to be able to send money after establishing your MoneyExchange account, you need to add money to it from a linked bank account.

Q. How do I add money to my MoneyExchange account?

A. You can add money to your MoneyExchange account directly from your existing personal bank account. First, designate an existing personal bank account from which you would like to add funds to your MoneyExchange account..

To designate a bank account, login to your account and then go to the Funding Source tab link under My Account. You will then be guided through the bank verification process to ensure that it is, in fact, your bank account and to help protect you against fraudulent use of your bank account. If Instant Account Verification is available through your bank, when you provide us with your bank account information, we will verify your authority and access to the account you identify by using the Account Verification Services, which is offered in connection with Yodlee, Inc. and you will be able to begin the process of Adding Money right away. As part of the Standard Verification process, we will make two small deposits to your bank account. You should wait 2-3 business days for the deposits to appear in your bank account. Then the next time you log into your MoneyExchange account, we will ask you to enter the exact amount of those deposits. Please note that you have not completed adding a bank account to fund your MoneyExchange account payments until you verify the amount of the deposits.

Once the bank verification process has been completed, you can add money to your account via an ACH transaction (see next Question and Answer for an explanation of an ACH transaction) whenever you would like by going to the Add Money tab.

Q. What is ACH?

A. ACH stands for Automated Clearing House. It is the electronic transfer system used to transmit funds such as direct deposits, tax payments, and other monetary transactions from one account to another. Clearing is provided electronically rather than through the physical movement of checks or cash. The ACH network is an electronic processing and delivery system through which funds are disbursed and settled among a large number of financial institutions. The ACH network is the nation's largest electronic payments network. For example, when you make purchases on a debit card, the money is transferred via ACH.

Q. Why should I designate a bank account with my MoneyExchange account?

A. Designating a bank account to associate with your MoneyExchange account is required to add money to your MoneyExchange account or to withdraw money electronically by an ACH transfer to your linked bank account. Through an ACH transaction, you can add money to or withdraw money from your MoneyExchange account. Adding money to your account will take about 3-4 business days. Withdrawing money from your account will take about 2-3 business days.

You do not have to worry about storing your account information online; we ensure that stored information is secure.

Also, you may change or remove your designated bank account from your MoneyExchange account at any time by going to the Manage Money Source tab under My Account.

While we suggest designating a bank account for ease of use, it is not a requirement in order to begin requesting money from others or receiving money from other MoneyExchange accountholders. Should you choose not to designate a bank account however, please be aware that to withdraw money from your MoneyExchange account, you will need to request that a paper check be issued.

Q. I am a RevolutionCard holder. Can I add money to my MoneyExchange account from my RevolutionCard?

A. Currently, you cannot add money to your MoneyExchange account from your RevolutionCard. If this is a feature that you would like to see in the future, please let us know by clicking here. We welcome your feedback and ideas.

Q. What about other ways to add money?

A. MoneyExchange wants to know what features you would like. If there are other ways in which you would like to add money, please email us your ideas by clicking here.

Q. Can I designate more than one bank account?

A. Currently, you may only designate one bank account with your MoneyExchange account.

Q. Can I substitute designated bank accounts?

A. Yes, you can substitute designated bank accounts by going to the My Accounts / Funding Source page. This will require the same verification process previously described.

Q. Is there a fee associated with adding money?

A. MoneyExchange does not charge you a fee to add money to your MoneyExchange account. You should check with your bank to determine whether your bank will charge you a fee for transferring money from your designated bank account to your MoneyExchange account via the ACH network.

Q. Are there any limits on the amount of money I can add to my account?

A. You can add (transfer electronically from your linked bank account to your MoneyExchange account) up to $1,000 per day, not to exceed $2,500 per calendar month, to your MoneyExchange account. We may change the limits in the future. You can add money electronically via an ACH transfer from your linked Bank account up to 30 times in a calendar month. Please note that your designated bank account from which you transfer money to your MoneyExchange account may also have a limit on how much you can withdraw daily, which may affect how much you can add to your MoneyExchange account.

Q. When I add money to my MoneyExchange account, will it be available to transfer right away?

A. When you add money to your MoneyExchange account from your designated bank account via an ACH transaction, the funds will generally be available within 3-4 business days.

Q. How do I know that my transaction is complete?

A. When your funds have been added to your account, you will receive a confirmation email from MoneyExchange confirming the transaction.

Q. I tried to Add Money to my account and was taken to an error page. Why?

A. Your aggregate account balance may not exceed $2,500 at any time. If you tried to add an amount that would cause your total account balance to exceed the allowable limit, you might have been taken to an error page for that reason. If you still have questions, please feel free to call customer service at 1-800-794-9071 between 7 a.m. and 9 p.m. Eastern Time, seven days a week.

V. Send Money

Q. How do I Send Money?

A. You can send money to another MoneyExchange accountholder by clicking on the Send Money page. Then all you have to do is enter an email address of the person to whom you would like to send money or select their email address from your list of contacts and then enter an amount to be sent. You will have the opportunity to include a message as well. Please be sure to review all the information carefully on the confirmation screen before pressing the "Continue" button! You will receive a final confirmation summary receipt after the transaction has been processed.

You can also send money to people who have not yet registered for a MoneyExchange account by going through the same send money process. Once you have sent the funds, the intended recipient will be sent an email notification and invitation to register for the service within 30 days. Upon registration the recipient will be able to collect the funds that had been sent.

Q. Is there a fee associated with Send Money?

A. No, it is free to send money online between MoneyExchange accountholders.

Q. Are there any limits on the amount of money I can send?

A. Yes, you can send up to $1000 per day, not to exceed $2500 per calendar month. These limits are there as a fraud protection measure. We may change the daily limit in the future.

Q. Why are there limits on Send Money?

A. We impose a limit on sending money as a fraud protection measure.

Q. How long does it take to Send Money to another MoneyExchange accountholder?

A. Sending money is instantaneous if the recipient has a MoneyExchange account and you have the funds available in your MoneyExchange account. If the recipient does not have an account, he or she must register and accept the funds that you have sent.

Q. Will I be notified when the recipient accepts funds? What if the person I send money to does not accept funds?

A. When you send funds, the recipient has the opportunity to either accept, cancel, or propose a new amount. You will receive an email notification of whichever action the recipient takes. If the recipient accepts the funds, you will see the amount deducted from your MoneyExchange account. If the recipient cancels the funds, you will receive an email advising you of the cancellation and the funds will be available in your MoneyExchange account. The recipient also has the option to propose a new amount back to you, the sender. You can then accept or cancel the proposal, or again, propose a new amount to the recipient. The funds will not be paid to the recipient or released back to your MoneyExchange account until this negotiation is completed. There is no limit as to how many times the sender and receiver can propose new amounts. When an agreement has been reached on the amount, both parties will receive a confirmation.

Q. I tried to send a payment to someone but was taken to an error page instead. Why?

A. You might have been taken to an error page if the amount you were trying to send was an amount that would cause the other party to exceed the allowable receive money or account balance limit. You might try contacting the other party directly. If you do no think this is the reason and need further assistance, please feel free to call customer service at 1-800-794-9071 between 7 a.m. and 9 p.m. Eastern Time, seven days a week.

Q. Can I track my Send Money requests?

A. Yes, Send Money requests can be tracked under "Sent Items" on your "My Account" page.

Q. Can I cancel a payment?

A. You can only cancel a payment in situations where the recipient has not yet accepted the funds. As long as the recipient of your payment has not yet accepted the funds, the transaction will be displayed under "Sent Items" on your my Account summary page. A "cancel" button will appear next to the details of the transaction and if selected, fund will be credited back to your MoneyExchange account immediately. You will receive a confirmation email and a notification of the cancelled transaction will be sent to the original recipient of the payment as well.

Please note, if you have sent payment to someone who has not yet accepted the funds, after 30 days, we will automatically cancel the transaction and credit your account.

Q. What if "My Account" shows transactions I didn't make?

A. Please call customer service right away at 1-800-794-9071 between 7 a.m. and 9 p.m. Eastern Time, seven days a week, to discuss potential misuse of your account.

As explained in the Accountholder Agreement, if you think your periodic statement or receipt is wrong or if you need more information about a transaction listed on the periodic statement, please contact us as soon as you can by calling 1-800-794-9071 or contacting us online at the MoneyExchange Site. You can also write to us at P.O. Box 989, Saint Petersburg, FL 33731.. We must hear from you no later than sixty (60) days after we made available the first statement (online at the MoneyExchange Site) on which the problem or error appeared. When notifying us, you must: (a) tell us your name, address, and Account number; (b) describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Account within ten (10) business days for the amount you think is in error so that you will have the use of the value during the time it takes us to complete the investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Account. We will tell you the results within three (3) business days after completing our investigation and we will correct any error promptly. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Please be aware that you may be liable for unauthorized use of your Account. You will not be liable for unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft, or possible unauthorized use. If you tell us within 2-3 business days after you learn of the unauthorized use, you can lose no more than fifty dollars ($50) if someone used your Account without your permission. If you do NOT tell us within 2 business days after you learn of the unauthorized use, and we can prove we could have stopped someone from using your Account without your permission if you had told us, you could lose as much as five hundred dollars ($500).

VI. Receive Money

Q. How will I be notified that I have received money?

A. You will be notified via email that you have received money. In the future, we may offer other methods of notification as well.

Q. Is there a fee associated with receiving money?

A. No, there is no fee to receive money into your MoneyExchange account from another MoneyExchange accountholder.

Withdrawing funds by electronic transfer to a linked bank account and by a paper check is free.

Q. Are there any limits on the amount of money I can receive?

A. You can receive a maximum of $1,000 per day, not to exceed $2,500 per calendar month.

Q. Is there a maximum amount I can have in my account?

A. Yes, your aggregate account balance cannot exceed $2,500 at any time.

Q. I tried to accept a payment that someone sent me and I was taken to an error page. Why?

A. Your aggregate account balance may not exceed $2,500 at any time. If you tried to accept an amount that would cause your total account balance to exceed the allowable limit, you might have been taken to an error page for that reason. If you still have questions, please feel free to call customer service at 1-800-794-9071 between 7 a.m. and 9 p.m. Eastern Time, seven days a week.

Q. Why are there limits on receiving money?

A. This is another security measure that we have implemented to protect against fraud.

Q. How long does it take to Receive Money?

A. As long as you have a registered MoneyExchange account, receiving money from another MoneyExchange accountholder is instantaneous. If you do not have an account, you must sign up for an account first. The money will be posted to your account right after you indicate that you accept the funds.

Withdrawing money from your account electronically to a linked bank account generally takes about 2-3 business days. Withdrawing money by paper check can take 7-10 business days.

Q. Do I have to accept money sent to me or is it automatically posted to my account?

A. As part of the MoneyExchange service, when someone sends money to you or requests money from you, you have the option to enable the negotiation feature which allows you to suggest a different amount to the other party than the original amount sent or requested. Alternatively, you can just accept or cancel the amount sent or requested. The funds will be posted to your account if you accept.

You have the option to keep the negotiation feature enabled or disable it at any time. You can change the setting at any time by going to the Preferences tab under My Profile. By keeping the feature on, whenever someone sends you money or requests it from you, you will have the option to propose a new amount. Once you and the other party have settled on the amount of the transfer, you will then have to accept the funds before they will be posted to your account. Both parties will receive an email notification of the final transaction details.

If you choose to disable this feature, you will not be able to propose new amounts and funds will automatically be posted to your account without your having to accept them. Both parties will receive an email notification of the final transaction details.

VII. Request Money

Q. What is Request Money?

A. Request Money is a feature that allows you to initiate a request for payment from another person. For example, if someone owes you money, go to Request Money tab and enter the person's email address, the amount he/she owes you, as well as a message if you'd like. An email will be sent to the person with your request for the money. If the person is a registered MoneyExchange accountholder and the request is accepted, funds will be sent to you.

Q. How do I Request Money?

A. To request money from someone, go to the Request Money page. You will enter the email address of the person from whom you are requesting money, an amount, a subject that will be used in the email, and a message if you so choose. An email request will then be sent to the person from whom you are requesting funds.

If the person is a MoneyExchange accountholder, he/she will either "accept" the money request, cancel it, or propose a new amount. If the person is not a MoneyExchange acountholder, a request will not be sent and you will receive an error message.

Q. Is there a fee associated with Request Money?

A. No, there is no fee to receive money in your MoneyExchange account from another MoneyExchange accountholder.

Q. Are there any limits on the amount of money I can request?

A. Because a MoneyExchange accountholder can only receive a maximum of $1000 per day (up to $2500 per calendar month) and a sender is limited to sending up to $1000 a day ($2500 per calendar month), you are limited to requesting up to $1000 a day from any one person.

Q. How long does it take to Request Money?

A. Once you have entered the correct information to Request Money, a notification will be sent immediately to the person from whom you are requesting funds. If the recipient is registered and if the person elects to send the money, payment will be instantaneous. If the person is not a MoneyExchange member, a request will not be sent and you will receive an error message.

Q. Can I track my Requests for Money?

A. Yes, Requests for Money can be tracked under "Sent Items" on your "My Account" page.

Q. Can I cancel a request for payment?

A. Yes. If a recipient of your request has not accepted it, you can cancel the request by selecting the "cancel" button next to the transaction posted on your My Account summary page under Sent Items. Both parties involved in the transaction will receive a confirmation email of the cancellation. Please note that these transactions automatically expire after 30 days if the recipient of the request has not responded within that timeframe.

VIII. Withdraw Money

Q. How can I Withdraw Money from my MoneyExchange account?

A. There are a few ways to withdraw money from your MoneyExchange account:

Transfer money from your MoneyExchange account to your designated bank account via an ACH transaction. This service is free. To do this, you must have a bank associated with your MoneyExchange account. If you do not have a bank account associated, please go to the Funding Source page under My Account. Once you have associated your account, you can go to the Withdraw Money page.
Use your MoneyExchange Card to withdraw money from your account via participating ATMs nationwide. Fees will apply for ATM withdrawals and balance inquiries, please click here for a list of all applicable fees.
Request that we send you a physical check in the mail. To do this, go to the Withdraw Money page under My Account page and enter the amount of the withdrawal. Once you have confirmed the information you've entered, we will go ahead and process a check for you. We will send the check to the primary address you have on file.

Q. Is there a fee associated with withdrawing money?

A. No. There is no fee for withdrawing money via ACH transaction to your designated bank account or paper check. It is free.

Q. Are there any limits on the amount of money I can withdraw from my account?

A. Yes. The maximum amount you can withdraw from your MoneyExchange account with your Card is $1,000 per day and $2,500 per month, subject to your funds availability.

You can use your MoneyExchange Card to withdraw funds at an ATM a maximum of three (3) times per day, and the maximum amount that can be withdrawn from an ATM with your MoneyExchange Card is five hundred dollars ($500) per day. You can conduct a maximum of fifteen (15) transactions with your MoneyExchange Card per day; these transactions can be all purchases or a combination of purchases and cash withdrawals at ATM withdrawals. ATM withdrawals remain subject to the ATM limitations set forth in this section.

Q. How long does it take to withdraw money from my account?

A. If you withdraw money by a transfer into your designated bank account via an ACH transaction, it is likely to be processed usually within 2-3 business days. If you request a physical check, MoneyExchange will process and generally send the check to you within 7 to 10 business days.

IX. MoneyExchange Card

Q. What is the MoneyExchange RevolutionCard?

A. The MoneyExchange Card is a safe and convenient way to access the available funds in your Revolution MoneyExchange account. You can use the Card to make purchases at retail locations and to get money from participating ATMs. The MoneyExchange Card is accepted at hundreds of thousands of retail locations (we're adding more locations everyday) and select ATMs nationwide.

Q. Is the MoneyExchange Card a credit card? Was my credit report pulled without my knowledge?

A. No, the MoneyExchange Card is not a credit card. It's another safe and convenient way to access the available funds in your MoneyExchange account. As this is not a credit card, we have not pulled a credit report or contacted any credit rating agency in order to provide you with this Card.

Q. How do I activate my MoneyExchange Card?

A. Activating your Card is easy and FREE! Simply log in to your MoneyExchange account at www.revolutionmoneyexchange.com and look for "Activate My Card" on the "MoneyExchange Card" page. You may also activate your Card by calling Customer Service at 1-800-794-9071.

Q. Will I pay fees for using my MoneyExchange Card?

A. There are no fees to activate your Card or to use it to make purchases at participating retail locations. There is a fee for ATM withdrawals, ATM balance inquiries and a lost/stolen replacement Card. To see a complete list of fees, please refer to your Accountholder Agreement.

Q. How do I know how much value I have on my MoneyExchange Card?

A. The available balance in your MoneyExchange account is the same amount you can access with your Card. To check your balance, log in to your MoneyExchange account at www.revolutionmoneyexchange.com and click on "My Account." You can add funds to your MoneyExchange account by linking and transferring money from your bank account or by receiving money from other MoneyExchange accountholders.

Q. Can I withdraw cash from an ATM?

A. Yes, the MoneyExchange Card is accepted at ATMs nationwide that are part of the STAR® Network (visit www.star.com for locations), Jeanie® Network or AFFN (Armed Forces Financial Network visit http://affn.org/atm_locator.phpfor locations).

Q. What Personal Identification Number (PIN) do I use with my MoneyExchange Card?

A. The Personal Identification Number (PIN) you have already set up for your MoneyExchange account is the same PIN you will use with your MoneyExchange Card. If you forget your PIN, you can log in to www.revolutionmoneyexchange.com and generate a new PIN. You can also get help generating a new PIN by calling Customer Service at 1-800-794-9071.

Q. What should I do if my MoneyExchange Card is lost or stolen?

A. Please call Customer Service immediately at 1-800-794-9071 between the hours of 7 am - 9 pm ET seven days a week. But remember: because your Card does not carry your name or your signature, your identity is protected. No one can use your Card without knowing your PIN.

Q. What are your Customer Service hours?

A. Customer Service representatives are available at 1-800-794-9071 between the hours of 7 am - 9 pm ET seven days a week.

Q. Why did I receive a MoneyExchange Card?

A. All new MoneyExchange accountholders receive a MoneyExchange Card. The Card makes it easy to access the money in your MoneyExchange account to make purchases or withdraw money at participating ATMs nationwide.

Q. How do I get a Card if I have not received one?

A. If you have not received your Card at the address on your MoneyExchange account please contact Customer Service at 1-800-794-9071 between the hours of 7 am - 9 pm ET seven days a week. We'll send one out right away!

Q. How do I use my MoneyExchange Card to make a purchase?

A. To use your Card for purchases at accepting merchants, just swipe your Card, select "Debit/ATM" and then enter your PIN. That's it.

Q. Why is the MoneyExchange Card not personalized?

A. Your Card isn't personalized because we are determined to give you the best security and identity theft protection possible. You won't find your name or signature anywhere on the Card and, if it's lost or stolen, neither will anyone else. Because it's PIN-based, your Card cannot be used by anyone who does not know your PIN.

Q. How do I set up or change my PIN?

A. You can set up or change your PIN anytime by logging in to your MoneyExchange account at www.revolutionmoneyexchange.com. Then go to "My Profile" and click on "Change PIN."

Q. What if I forget my PIN?

A. If you forget your PIN, you can log into your account at www.revolutionmoneyexchange.com and generate a new one. You can also get help generating a new PIN by calling Customer Service at 1-800-794-9071.

Q. Where can I find a record of my transactions?

A. Log in to your MoneyExchange account at www.revolutionmoneyexchange.com and click on "Transaction History." If you would like to view a monthly statement, click on "Monthly Statement" and choose the month you would like to see. Your transaction history will include transactions made online and on your MoneyExchange Card.

Q. What if I want to dispute a transaction?

A. If you believe an unauthorized transaction or an error has occurred on your account and you wish to dispute the transaction, please contact Customer Service immediately at 1-800-794-9071. You can also write to us at: Revolution MoneyExchange Dispute Resolution, P.O. Box 989, Saint Petersburg, FL 33731. In accordance with the terms of your Accountholder Agreement, you must contact us within 60 days from the date any unauthorized or erroneous transaction appears on your statement.

Q. Are there limits on how much money I can access with my MoneyExchange Card?

A. Yes. The maximum amount you can withdraw from your MoneyExchange account with your Card is $1,000 per day and $2,500 per month, subject to your funds availability.
You can use your MoneyExchange Card to withdraw funds at an ATM a maximum of three (3) times per day, and the maximum amount that can be withdrawn from an ATM with your MoneyExchange Card is five hundred dollars ($500) per day. You can conduct a maximum of fifteen (15) transactions with your MoneyExchange Card per day; these transactions can be all purchases or a combination of purchases and cash withdrawals at ATM withdrawals). ATM withdrawals remain subject to the ATM limitations set forth in this section.

Q. What should I do if I don't want the MoneyExchange Card you sent me?

A. If you do not wish to keep the Card, simply cut it up and throw it away. There's no reason not to hold onto the Card, though, just in case you decide to use it later. It's an easy way to access the available funds in your MoneyExchange account.

X. Fees

Q. What fees do you charge to use MoneyExchange?

A. MoneyExchange is an easy and secure way to send and receive money online for FREE.

FREE to add money from your bank account
FREE to send money
FREE to receive money
FREE to request money
FREE to electronically transfer money to your bank account
A transaction fee applies for check stop payments ($20.00 per check), paper statements ($5.00 per statement), and ACH returns ($35.00 per returned ACH). If you use your MoneyExchange RevolutionCard to withdraw money a transaction fee applies for ATM withdrawals ($1.50 per withdrawal) and ATM balance inquiries ($1.50 per inquiry). See Accountholder Agreement for more detail.

XI. Company Information

Q. Who is Revolution Money?

A. Founded in 2005, we use our proprietary processing technology platform and integrated payment card network to bring value to consumers, merchants and issuers, which challenges the traditional payments industry model and aligns the interests of all of the participants. Revolution Money provides merchants and financial institutions with a new method of payment and consumers with a family of products designed to give more choice, convenience and control when it comes to personal finance. More choice because everyone has a different lifestyle and we believe you should be able to have the product that best suits you. More control means that, as our product line expands, you'll have access to products that can do as much or as little as you want - all in a more secure PIN-based system. And more convenience because we minimize your need to carry cash or send checks. Learn more about us at Company Information.

Q. Who is First Bank & Trust?

Accounts issued by First Bank & Trust, Brookings, SD, Member FDIC and part of the Fishback Financial Corporation.