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Home > eCosway - Alliance Bank MasterCard Payment Card > Frequently Asked Questions > Card Balance Checking, Money Deposits

eCosway - Alliance Bank MasterCard Payment Card - Frequently Asked Questions

Card Balance Checking, Money Deposits

1. How soon can I use the Payment Card after I receive it?
2. What is my credit limit?
3. How do I deposit money into the Card account?
4. Will I get a receipt/transaction slip for money loaded into my Payment Card account?
5. How do I load money at locations without any Alliance Bank branches?
6. How do I check the balance in my Payment Card account?
7. How soon can I use the card after loading money into my Payment Card account?
8. I understand that there are incentives for the first RM 2500 / 6 months of eCosway Alliance Bank Credit Card usage. Would this be applicable also for Payment Card charges?
9. Are there any fees and penalties for Payment Card e.g. for replacing lost / stolen card, returned checks, overdrawn account?
10. What are the card renewal fees?

Card Balance Checking, Money Deposits

1. How soon can I use the Payment Card after receiving it?
   After you receive your card, you can load any amount you want into the card. However, you must load a minimum of RM 30 to cover the one-time joining fee that will be debited from your payment card account immediately upon activation.Once you have deposited / loaded at least RM 30, you can call Alliance Bank’s Customer Service Dept to activate your card. Once the card is activated, you can begin using it right away.

   Note: Cards can only be activated when there are sufficient funds to cover the joining fee for all cards (principal and all supplementary cards). For example, if the principal account is linked with 2 supplementary cards, then the initial deposit into the card account must be RM 90 (to cover all three cards). Back to top

2. What is my credit limit?
   There is no credit limit because this is not a credit card. It is a Payment Card where the funds are deducted directly from an account that you have loaded money into. It's like pre-paid spending. Your spending limit is determined by the balance in your account. Back to top

3. How do I deposit money into the Card account?
   Payment Card account loading can be done:

   • Over-the-counter at Alliance Bank branches (applicable for any walk-in cardholders)
   • Via ATM (for card holders who maintain bank accounts with Alliance Bank; they can sign-up for the Bill Payment facility to "load" their credit / payment card via ATM)
   • Via Cash Deposit Machine (applicable for any walk-in cardholders)
   • Via Check Deposit Machine (applicable for any walk-in cardholders)
   • Via the Internet at “Alliance Online” (cardholders who maintain bank accounts with Alliance Bank can sign-up with Alliance Online to "load" their credit / payment card)
   • By mailing a check (from any bank) to Alliance Bank at address below. Checks to be made payable to Alliance Bank for “cardmember’s name”. (Please state your name and payment card account number on the back of the check as well.)
     
     Alliance Bank Berhad
     2nd Floor Menara Multi-Purpose
     8, Jalan Munshi Abdullah
     50100 Kuala Lumpur
     
     Back to top

4. Will I get a receipt/transaction slip for money loaded into my Payment Card account?
   Yes. The receipts/transaction slips are similar to those for deposits into credit card payment accounts. Back to top

5. How do I load money at locations without any Alliance Bank branches?
   You have two choices. You can either mail checks to Alliance Bank (see FAQ no. 3), or you can got to an Alliance Bank Branch one time to set up a bank account and then use Alliance Online facilities to regularly load your payment card.A third option (Inter Bank GIRO – IBG) will be available sometime in the near future. Once it is ready, you will be able to load money into your Payment Card by transferring money from a different bank. You will be notified when this is available – please note that transfer fees may be charged by the other bank. Back to top

6. How do I check the balance in my Payment Card account?
   You can check your Payment Card account balance by calling Alliance Bank’s 24-hour Customer Service line at 03 - 5516 9988 (this is not a toll-free number). Alliance Bank is also working on Online checking facilities and balance request via SMS – we will inform you once these are ready. Back to top

7. How soon can I use the card after loading money into my Payment Card account?
   Most modes of deposit (via ATM, Alliance Online, Over-the-counter and Cash Deposit Machine) require a 1-day period for before the funds can be used. Check deposits require 2-3 working days for clearing. Note: Alliance Bank is working on a real-time top-up option (for cash deposits only) – cardholders will be informed when it is ready. Back to top

8. I understand that there are incentives for the first RM 2500 / 6 months of eCosway Alliance Bank Credit Card usage. Would this be applicable also for Payment Card charges?
   Yes, the first 2500 or 6 months (where applicable) of your Payment Card usage qualifies for higher eV. Back to top

9. Are there any fees and penalties for Payment Card e.g. for replacing lost / stolen card, returned checks, overdrawn account?
   Returned cheque penalty: RM 50 for each cheque returned.Replacement Fee of lost/stolen card: RM 50 per card.

   ** NOTE:If you overdraw the account, you will be charged an Overdrawn Fee of RM 5. So make sure that you carefully monitor the balance on your card and track your spending. If you are in doubt about your balance, call the bank before making your purchase.

   For more details on fees and penalties, please refer to the details on Card Terms & Conditions given with your card. Back to top

10. What are the card renewal fees?
    Principal - RM 30 per card every 4 yearsSupplementary - RM 30 per card every 4 years

    Similar to the one-time joining fee, system will charge RM 30 per card (for principal and all supplementary cards) to your account for card renewal every 4 years from the date your account was opened. Thus, you will have to maintain sufficient balance in your payment card account (RM 30 x total numbers of principal card & supplementary cards) in order to cover the card renewal fee. Back to top