A prepaid card for business disbursements

Whether you’re paying contractors or providing ongoing employee incentives, you can reduce costs and simplify non-payroll disbursements. Plus, this prepaid Visa® card can be used anywhere Visa debit cards are accepted.

Benefits for your business

  • Reduce costs
    Save on paper, postage, reconciliation and lost checks.
     

  • Easy implementation
    Complements your existing direct deposit processes.
     

  • Secure spend management
    Register cardholders, fund and issue cards and access timely reports.

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Benefits for your cardholders

  • Easy to use
    Funds are loaded automatically and cards can be used anywhere Visa debit cards are accepted worldwide.

  • Cost savings
    Save on fees that recipients may otherwise incur to cash their check.

  • Everyone is eligible
    No existing bank relationship is necessary.

  • Security
    Zero Liability1 protection for lost or stolen cards.

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Which U.S. Bank prepaid card is the best choice for your business?

U.S. Bank Focus Card (non-payroll) and U.S. Bank Expense card comparison.

  


U.S. Bank Focus Card (non-payroll)


U.S. Bank Expense Card

Types of payments

Employee awards, non-payroll funds, stipends, university and athletic payments

Athletic team expenses, travel expenses, other business expenses

Ability to sweep back unused funds

No

Yes

Administrator role assignment

Cannot view cardholder transactions

Can view cardholder transactions

Cash access

Yes

Option with or without cash access

Card issuance

Personalized cards or instantly issued

Personalized cards or instantly issued

Funding

ACH or funding account - immediate or scheduled funding

Funding account only - immediate or scheduled

Ability to block transactions at the Merchant Category Code

No

Yes

Reporting

Standard Reporting Suite: no cardholder spend or balance transaction reports due to federal privacy law

Standard Reporting Suite: plus run reports showing detailed transactions or real time balance reporting
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Types of payments


U.S. Bank Focus Card (non-payroll)

Employee awards, non-payroll funds, stipends, university and athletic payments


U.S. Bank Expense Card

Athletic team expenses, travel expenses, other business expenses

  

Ability to sweep back unused funds


U.S. Bank Focus Card (non-payroll)

No


U.S. Bank Expense Card

Yes

  

Administrator role assignment


U.S. Bank Focus Card (non-payroll)

Cannot view cardholder transactions


U.S. Bank Expense Card

Can view cardholder transactions

  

Cash access


U.S. Bank Focus Card (non-payroll)

Yes


U.S. Bank Expense Card

Option with or without cash access

  

Card issuance


U.S. Bank Focus Card (non-payroll)

Personalized cards or instantly issued


U.S. Bank Expense Card

Personalized cards or instantly issued

  

Funding


U.S. Bank Focus Card (non-payroll)

ACH or funding account - immediate or scheduled funding


U.S. Bank Expense Card

Funding account only - immediate or scheduled

  

Ability to block transactions at the Merchant Category Code


U.S. Bank Focus Card (non-payroll)

No


U.S. Bank Expense Card

Yes

  

Reporting


U.S. Bank Focus Card (non-payroll)

Standard Reporting Suite: no cardholder spend or balance transaction reports due to federal privacy law


U.S. Bank Expense Card

Standard Reporting Suite: plus run reports showing detailed transactions or real time balance reporting

  


U.S. Bank Focus Card (non-payroll)
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U.S. Bank Expense Card
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Why choose the prepaid U.S. Bank Focus Card for your non-payroll disbursements?

Convenience

Optimize your non-payroll disbursements with our comprehensive client portal, automated card inventory management system, robust client reports and more.

A trusted name

U.S. Bank is a nationally recognized, highly rated leader in payments, offering an in-house prepaid solution.

Cardholder satisfaction

Your cardholders will appreciate the added value of the prepaid Focus Card, with features like a mobile banking app, text2 and email alerts, and more.

Security and protection

We invest in the data security, fraud protection and compliance programs needed to protect cardholder information.

Our prepaid experience by the numbers

3000+ corporate and government partners

60M+ cards used

20+ years of experience

1 of 2 top issuers of prepaid cards

Take control of your non-payroll business disbursements.

A dedicated onboarding manager guides you through setup and training. You’ll manage the day-to-day activities with a secure and easy-to-use administrative portal. Here, you’re able to register cardholders, fund cards, update cardholder demographic data and access reports.

What types of disbursements can benefit from a prepaid U.S. Bank Focus Card (non-payroll)?

Contract employees

Deliver timely payments to contractors or hourly workers while eliminating the risk of cash. Plus, no credit check or bank account are necessary for the cardholder.

Employee incentives

Award employees with ongoing sales incentives. Express appreciation while increasing employee loyalty with a reloadable prepaid card.

Athletic and education per diem

Eliminate cash by disbursing funds for coach and student athlete per diems. Simplify student and faculty travel while providing a secure way to access funds.

Explore other prepaid card options

Payroll services

Make short work of processing payroll with innovative tools for your business.

Learn more about payroll services

Business expenditures

Simplify payroll disbursements and business expenses.

Learn more about managing expenses

Employee and customer rewards

Show your appreciation to employees and customers.

Learn more about rewards

Ready to get started?

Maximize your electronic non-payroll distribution with our prepaid U.S. Bank Focus Card. For cardholder questions, visit the U.S. Bank Focus Card cardholder website.

Schedule a consultation

Get answers to frequently asked questions about the U.S. Bank Focus Card (non-payroll).

The U.S. Bank Focus Card (non-payroll) is a reloadable prepaid card for non-payroll disbursements such as: employee awards, incentives to non-employees, research and clinical trials and consumer incentives. The Focus Card (non-payroll) is Visa branded and can be used anywhere Visa debit cards are accepted.

Fund the U.S. Bank Focus Card (non-payroll) with existing Automated Clearing House (ACH), Direct Deposit (using standard NACHA file layout) processes or instantly fund using a funding account.

A cardholder does not need to be an existing U.S. Bank customer. In fact, no existing bank relationship is necessary. This makes it a great fit for seasonal and contract employees.

A U.S. Bank Focus Card (non-payroll) allows businesses to limit spending to what has been loaded onto the card. Innovative fraud controls and monitoring systems allow U.S. Bank to help protect customers against fraud and misuse.

Yes, the bulk card creation feature allows you to create multiple cards at the same time using a file process.

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Disclosures

  1. You are generally protected from all liability for unauthorized transactions with Zero Liability. You must call the number on the back of your card immediately to report any unauthorized use. Certain conditions and limitations may apply. See your Cardholder Agreement for details.

  2. For text messages, standard messaging charges apply through your mobile carrier and message frequency depends on account settings.

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The Focus Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. Member FDIC.