Securityplus Account FAQ

This FAQ was written to answer some questions you may have about your Securityplus Federal Credit Union checking/savings account. To activate your card, report a lost or stolen card, or if you have any issues using your Securityplus account or debit card, call 1-410-281-6200. 

Just in case you need it, save this number in your phone contacts for later.

 

You can also check out this video for some tips on how to use your card:

 

 

When will I get paid?

Paydays for Session 1 (youth working June 26-July 28) are July 21, August 4, and August 18.

Paydays for Session 2 (youth working July 10 - August 11) are August 4, August 18, and September 1.

 

Why did I have to wait so long for my first pay day?

Most youth are on the Baltimore City payroll and are paid according to the City's pay schedule. This pay schedule is normal even for those who work in private business. A short delay allows employers to determine the number of hours worked and enter the information into the payroll system.

 

How will I get paid?

You will get an debit card linked to a Securityplus checking account that your pay will be directly deposited into. You can use the card to make purchases at stores and other merchants with your PIN number. You can add money to the account by going to a Securityplus or any of the shared branches in the city and across the country, which you can locate with this tool. You can pull money from the account at an Allpoint or Securityplus ATM (locate using this tool), using cashback at points of purchase, or going directly to a Securityplus or shared branch.

 

Do I get a new debit card for each pay?

No, your pay will be loaded onto the same card during each payday. Do not throw away your card between paydays, as you will have to order a replacement card to receive your pay.

 

What do I do when I get my card?

Activate your Securityplus debit card by calling 1-866-985-2273 (written on the back of the card). Give your birth date and Social Security number and set a four-digit PIN number you can remember. Don't use a PIN that is easy to guess, like 0000, 1234, or your birthdate.

You will need to call from a number you associated with your account when you signed up for it. If you need to call from a different number, you will have to update your personal information on your Securityplus account (call 410-281-6200 and press 3). It may take a day to process this request, which means your card won't be useable until you activate it the following day.

 

Why isn't the account letting me activate when I call the number?

You will need to call from a number you associated with your account when you signed up for it. If you need to call from a different number, you will have to update your personal information on your Securityplus account (call 410-281-6200 and press 3). It may take a day to process this request, which means your card won't be useable until you activate it the following day.

 

I forgot my PIN number?

No worries. Call the same number you called to activate your card to reset your PIN (1-866-985-2273). This phone number is also on the back of your card.

 

Why did I get my card early? Is there money on my account now?

Cards were delivered early to give you time to activate them. Money will be in your account on pay day by 12 pm Workers are paid based on the number of hours they work during the two-week pay period. Session 1 youth are paid up to 45 hours for the first pay (the July 4 holiday is unpaid), up to 50 hours for the second pay, and up to 25 hours for the last pay. Session 2 youth are paid up to 50 hours for the first pay, up to 50 hours in the second pay, and up to 25 hours in the last pay.

The amount that you see in your Securityplus checking account is based on three factors: hours worked, pay per hour, and taxes. The number of hours worked depends on the length of the pay period and your attendance. Most youth are paid $9.25 per hours. A small amount of federal and local taxes are taken out of each pay. A small amount of federal and local taxes are taken out of each pay. This pays for programs like Social Security, Medicare, Medicaid, and unemployment insurance.  If you have questions about your pay amount, call YouthWorks at 410-545-1820 with your name, birth date, and worksite number.

 

I want to get money off my card. Where can I find a free ATM?

Allpoint and Securityplus ATMs are free when you use your Securityplus debit card. You can download the Securityplus FCU Mobile app from an App Store to find an ATM near you. You can also search the Allpoint ATM locator online: http://goo.gl/GArPYp. CVS Stores have Allpoint ATMs.

 

What do I do if I lose my card?

Call Securityplus (410-281-6200, press 2) to request a new card. It will cost $5 for each replacement and will take 7-10 business days unless you pay extra for rush delivery. Rush deliveries take 3 business days and cost $40.

If you need your money immediately and lost your card, you can always go to a Securityplus or shared branch in person.

 

Do I have any limits or fees?

Many checking/savings accounts have limits on them to prevent anyone who takes someone's debit card from draining the account. This account puts a limit of $250 per day on spending with your debit card. You can still withdraw more money by going to a credit union branch in person.

Many checking/savings accounts have fees for maintaining accounts, having a low balance, and spending more money than you have (over draft). This account does not have those fees and typically your card will be declined if your try to spend more than you have.

There are a few ways (like buying gas or tipping at a restaurant) that the account may overdraft and if you do end up over drafting your account (spending more money than you have) and you don't clear the balance, your checking account may be closed for misuse.

 

Can I deposit checks into my account?

If you want to deposit a check, you need to go to a Securityplus or shared branch in person. There will be a hold on your deposited check for up to 9 days, which means the money won't be available immediately. This is to make sure you don't have to pay any fees in case the person/organization that gave you the check doesn't have enough money to pay for it.

Be careful when someone gives you a check to make sure they have enough money, especially when they ask you to give them cash for it. They may not have enough, and you'll end up losing money you can't get back.

While many checking accounts come with personal checks that the owner can use, this account does.

 

I didn't sign up for this yet. Can I still get an account now?

The deadline to open up a Securityplus checking/savings account and have your pay directly deposited into it closed in April. If you did not open up an account, you are welcome to open up an account anywhere you would like; however, your pay will be received on a debit PayCard for this year.

 

Go back to the YouthWorks Payroll Guide page->>