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We're Here to Answer Your Questions


General Questions

What is the Debit Card Network Life Freedom Prepaid Mastercard®?

The Life Freedom Prepaid Mastercard is a prepaid card program designed for individuals served by representative payees or fiduciary agencies. The program gives the agency the ability to maintain greater accounting and control over dispersed personal and incidental funds, while allowing their clients a greater sense of financial freedom.

How do our clients enroll for a Life Freedom Prepaid Mastercard?

Once your agency has enrolled in the program, your clients will be able to enroll or register. Enrollment is completed online and can be done from any PC, tablet, smart phone or other mobile device with internet access.

Card Funding & Use

Are the funds FDIC insured?

FDIC insured up to $250,000 through Sunrise Banks, N.A., Member FDIC.

How does our agency fund the prepaid cards?

Through a traditional ACH credit in which you deposit funds to a card account. Your client then accesses the funds by using the associated prepaid card.

Is the prepaid card tied to a checking account?

No. The prepaid card is tied to a card account in Debit Card Network’s system. There is no checking account associated with it.

Is this a PIN-based or a signature-based prepaid card?

This card is a prepaid card. At the point of sale, you may select “credit” to sign for your purchase or “debit” to enter your PIN.

Do the prepaid cards expire?

Yes. All of the prepaid cards expire within five years of the issue date. However, your funds will never expire, regardless of the expiration date on the front of your card.

What happens to unused funds if a card account is closed?

Unused funds are returned from the card account to the client’s trust account through the agency.

Requirements & Implementation

What are the requirements for enrolling in this program?

To qualify for the program, you must have internet access, accounting software and ACH origination capability. It is helpful, though not required, for your bank to be able to generate a Receiver File, as well.

Do you require a minimum number of cardholders?

No. There is no minimum required. We support small and large agencies, ranging from 20 to thousands of cardholders.

How long does it take to implement the program?

Implementation typically takes 45 to 60 days from the date of your executed contract.

Reporting & Training Support

What types of reports can we receive?

Our system can create many types of reports designed to help you to more easily assist your clients and to meet your reporting requirements to the Social Security Administration or other institution. Our standard daily reports include cards with a high balance, cards with a negative balance, cards lost and denied transactions. We also can provide custom reports specific to your agency and clients.

What training do you provide to our agency?

We make it easier for you to convert from check-based disbursements to electronic funding via our prepaid card program. To help your agency make the transition, we provide personalized training over the phone or via computer and training materials – all at no additional cost. We also can provide training at your site for an additional fee.

Other Questions

How do we get an answer to a question that is not covered here?

We are happy to answer other questions. You may either send us your question via our Contact form or call us at 1-866-983-3248.