InsurCard

Using your InsurCard MasterCard Prepaid Card is easy and convenient.

A payment has been made to your card by a Claims Adjuster. You need to activate the card to access your funds.

You can activate your card by phone or internet:

  • By Phone
    Call Cardholder Services at 1-855-511-6848, Be prepared with your card number, Social security number (or TIN), and one additional form of government identification (e.g. driver’s license, passport, military ID, etc).
  • By Internet:
    Go to www.yourinsurcard.com. Enter the required information to activate your card. Be prepared with your card number, Social security number (or TIN), and one additional form of government identification (e.g. driver’s license, passport, military ID, etc).
Deposits

Monies have already been added to your card by your insurance company. The insurance company may make additional payments to you on the card by direct deposit.

Make Purchases

You can use your card to make purchases wherever MasterCard debit cards are accepted.
If you are asked by a merchant if your purchase is “credit” or “debit” purchase, we recommend that you select “credit.” For a “credit” purchase you may be asked to sign the sales receipt. For a “debit” purchase, you will be asked to enter your PIN. With this type of purchase, some merchants will allow you to get cash back at the end of the transaction. In either case, the purchase amount will be deducted from your available balance on the card. You will not receive a bill at the end of month. Your spending is limited to the amount of money available on the card at the time of the transaction.

Getting Cash

As long as funds are available on your card, you may get cash using one of the following methods:

  • ATM
    You may withdraw cash at any ATM that displays the MasterCard, STAR®, or Cirrus® brand. However, we cannot guarantee that you will not be assessed a fee. When making a withdrawal, request money from a “checking” account. You may find the nearest ATM location by using our ATM locator service.
  • Retail Banks
    A service charge free way for you to get cash is by visiting a participating bank. This is a way to get cash with no service charge fee. Visit a retail bank or branch office that accepts the MasterCard brand and request a cash disbursement from a teller or bank officer. You will need to present your card along with picture identification. This service is free even if you do not have a banking relationship with the financial institution. You will need to know the balance on your card to be sure there are adequate funds for your cash disbursement. The teller will not be able to check your balance.
Check Balances and Activity

Only you know how much money is available on your card. A merchant cannot access your card balance prior to you making a purchase.
Use the following options to check your card balance or recent activity.

  • Internet
    Go to www.yourinsurcard.com and log in  with the UserID or Card Number and Password your created during card activation. You will be able to see your available balance along with recent deposits, withdrawals, and purchases.
  • Phone
    Call Cardholder Service at 1-855-511-6848 and follow the automated instructions. You can access your available balance and recent transactions.
  • ATM
    At any ATM displaying the MasterCard, STAR, or Cirrus brand. Only your available balance is available through an ATM. Insert or swipe your card, enter your PIN and follow the prompts for your balance. Ask for a balance from a “checking account”.

About Your Card

What is the InsurCard MasterCard® Prepaid Card?

Your InsurCard is a special-purpose prepaid MasterCard card which will be how your insurance company will be paying you your claim payments. Payments will be loaded onto the card for you to access.

How does the InsurCard work?

The insurance company loads funds onto your card. Once the card has been loaded by the Claims Adjuster and the card is activated by you, you can access the funds. Your InsurCard may be used to make purchases wherever MasterCard debit cards, STAR® cards, or Cirrus® cards are accepted. The amount of your purchase will be deducted automatically from your available balance on the card. You can get cash at ATMs displaying STAR, Cirrus, or MasterCard symbols. You can also get cash, over-the-counter, from tellers at most banks.

Is this just like other prepaid MasterCard cards?

It is similar to other MasterCard prepaid cards. It can be used wherever MasterCard debit cards are accepted. It is not a credit card. You will not receive a bill at the end of the month. Your spending is limited to the amount of money available on the card at the time of a transaction.

What if my InsurCard is lost or stolen?

Contact Cardholder Services immediately at 1-855-511-6848 if your card is lost or stolen. We will put a freeze on your card so no purchases can be made. You may also request a new card to be mailed to you. It will take approximately 7 business days for you to receive the replacement card.

Was a credit check done prior to issuing me an InsurCard?

No, a credit check was not done prior to issuing the card.

Getting Started and Activating Your Card

How do I activate my InsurCard?

You can activate your card by phone or internet:

  • By Phone
    Call Cardholder Services at 1-855-511-6848 Be prepared with your card number, Social security number (or TIN), and one additional form of government identification (e.g. driver’s license, passport, military ID, etc).
  • By Internet
    Go to www.yourinsurcard.com. Enter the required information to activate your card. Be prepared with your card number, Social security number (or TIN), and one additional form of government identification (e.g. driver’s license, passport, military ID, etc).
What dollar amount will be available when I activate my card?

The dollar value on the card will depend on your individual claim. Please refer to the explanation of benefits sent by the insurance company for your specific amount, or contact your insurance claims adjuster.

What if I forget my PIN (Personal Identification Number)?

If you forget your PIN, please contact Customer Service for assistance. We will need to mail you a PIN reminder. For security reasons, our employees do not have access to the PIN.

Using the Card

Where may I use the InsurCard?
  • Making Purchases
    You can use your card to make purchases wherever MasterCard debit cards are accepted.
  • Getting Cash
    As long as funds are available on your card, you may get cash using one of the following methods:
    • ATM
      You may withdraw cash at any ATM that displays the MasterCard, STAR®, or Cirrus® brand. However, we cannot guarantee that you will not be assessed a fee. When making a withdrawal, request money from a “checking” account. You may find the nearest ATM location by using our ATM locator service.
    • Retail Banks
      A service charge free way for you to get cash is by visiting a participating bank. This is a way to get cash with no service charge fee. Visit a retail bank or branch office that accepts the MasterCard brand and request a cash disbursement from a teller or bank officer. You will need to present your card along with picture identification. This service is free even if you do not have a banking relationship with the financial institution. You will need to know the balance on your card to be sure there are adequate funds for your cash disbursement. The teller will not be able to check your balance.
If asked when making a purchase, should I select "Credit" or "Debit"?

A merchant may ask if you are making a “credit” or “debit” purchase, select “credit.” For a “credit” purchase you may be asked to sign the sales receipt. The purchase amount will be deducted from your available balance on the card. You will not receive a bill at the end of month. Your spending is limited to the amount of money available on the card at the time of a transaction.

How do I know how much money is available on my InsurCard?

Your balance, withdrawal, and purchase activity is available to you 24/7. Only you know how much money is available on your card. A merchant cannot access your card balance prior to you making a purchase.
Use the following options to check your card balance or recent activity.

  • By Internet
    Go to www.yourinsurcard.com and log in  with the UserID or Card Number and Password your created during card activation. You will be able to see your available balance along with recent deposits, withdrawals, and purchases.
  • By Phone
    Call Cardholder Service at 1-855-511-6848 and follow the automated instructions. You can access your available balance and recent transactions.
  • By ATM
    At any ATM displaying the MasterCard, STAR, or Cirrus brand. Only your available balance is available through an ATM. Insert or swipe your card, enter your PIN and follow the prompts for your balance. Ask for a balance from a “checking account”.
What if I have an expense that is more than the amount available on my InsurCard?

By checking your account balance often – either at an ATM, via the internet, or by calling Cardholder service at the toll-free number shown on the back of the card – you can easily know what is available on your card. When incurring an expense that is greater than the amount remaining in your card account, you may be able to split the cost at the register, but you will need to check with the merchant to be sure you can do this as not all merchants may be able to accept split transactions. For example, you may tell the clerk to use the InsurCard for the exact amount left in the account, and then pay the remaining balance separately by some other means.

How do I get cash back from a merchant?

Cash back is a service offered by some merchants that allows you to add an extra amount of money to the total purchase price and receive the extra amount (or change) back in cash. For example, a customer may purchase $18.99 worth of goods and ask for $20.00 cash back. This would make your purchase total $38.99. At the end of the transaction you would receive your goods along with $20.00 in cash. You may find this a useful way to obtain cash instead of making a separate trip to an ATM.

What are some reasons that my InsurCard might not work when making a purchase?

The most common reasons why your card may be declined when making a purchase are:

  • You have insufficient funds on your card to cover the entire expense of the transaction.
  • The merchant is encountering system problems and the transaction cannot be properly processed.
Can I add money to the InsurCard?

No, only your insurance company may add money to the card.

Website

Is your site secure?

Yes. We are committed to site security so that we can provide you with peace of mind when you access your card information. To ensure the security of your card information we use the latest internet technologies.

For Cardholder Service related to your InsurCard MasterCard Prepaid Card, you may contact us by:

Phone
1-855-511-6848
Email
customercontact@herringbank.com
Mail
Herring Bank
Customer Service Center
2201 Civic Circle
Amarillo, TX 79109

For assistance with your claim, please contact your insurance claims adjuster directly.