Rules and Regulations (2012-2013)

1. Use and Ownership

The VCUCard is issued to you as part of the privilege you are entitled to as a member of the Virginia Commonwealth University and Health System community under the following terms and conditions of use. Each individual card user is responsible for their knowledge of the terms, conditions, and policies of the VCUCard Office. Use of the VCUCard by the cardholder signifies agreement with all VCUCard terms, conditions and policies. This policy is updated yearly and is available at vcucard.vcu.edu. Please read all terms as these constitute legal obligations between you and the University. You must have a government issued picture ID to obtain a VCUCard.

Although the card is the property of Virginia Commonwealth University and VCU Health System, it is entrusted to you for your convenience while at the University. No account should be accessed by anyone other than the cardholder. Only the person pictured on the VCUCard is entitled to spend money from their RamBucks debit account. Unauthorized use, alteration or duplication for fraudulent use warrants confiscation and/or disciplinary action.

The VCUCard is the property of Virginia Commonwealth University and must be surrendered upon demand or when the relationship for which the card was issued is no longer in effect.

2. Lost, Damaged and Stolen Cards

The cardholder is responsible for maintaining a valid VCUCard that is in proper working condition. A replacement fee of $20.00 will be charged for lost, stolen, misplaced or abused cards. Abused cards consist of, but are not limited to: cards that have been marked on or bent, contain hole punches, have had their stripe scratched, have been used to pry open or scrape objects, or have had stickers adhered to them. The replacement fee for VCUHS dual role cards is $25.00. This fee is nonrefundable even if your old card is found. If an old card is recovered it is invalid and should be returned to the VCUCard Office to be disposed of properly.

Monroe Park Campus
Technology Administration Building
701 West Broad Street
804.827.CARD (2273)

MCV Campus
Sanger Hall
1101 East Marshall Street,
Room B1-018
804.628.CARD (2273)

Until such notice has been received, you will be responsible for all use of your VCUCard, whether or not such use is authorized by you. Upon issuance of a replacement card, any remaining debit and meal plan balances will be transferred to your new card. If your VCUCard is replaced due to theft or loss, the old card number will be deactivated and cannot be reactivated should you find it at a later date. VCUCard staff will confiscate replaced VCUCard’s and dispose of the old card properly.

3. RamBucks Function

You may use your VCUCard as a declining debit (RamBucks) card where accepted, provided funds are available in your account. The VCUCard is a debit card only and does not provide credit arrangements. The RamBucks debit account is not a bank account and does not allow for ATM type withdrawals.

You are responsible for use of the VCUCard in accordance with instructions at each location where RamBucks is accepted. Debits or negative balances resulting from your failure to properly utilize the VCUCard are your responsibility as the cardholder. The University is not responsible for any loss or inconvenience to you or to others arising as a result of lack of funds in your RamBucks account. You can obtain your current account balance, make deposits, and check your transaction history by visiting the VCUCard Online Card Office.

4. Usage

VCU and the VCUCard Office has the right not to accept or honor your VCUCard RamBucks at any of the participating establishments under, but not limited to, the following circumstances:

There are insufficient funds in your account at the time the purchase is requested.
The equipment being used by the merchant or vendor initiating the transaction is not functioning correctly at the time the transaction is attempted.
Your account has been temporarily or permanently suspended due to violation(s) of this agreement.
Your VCUCard has been reported as lost.

Improper Use of your VCUCard It is against VCUCard policy to provide your VCUCard numbers to anyone including the cardholder. If you do not have your VCUCard with you, you are required to purchase a new card. For security reasons you will be issued a new card number and your old card number will be deleted and cannot be reactivated under any circumstances.

The cardholder shall be subject to disciplinary and/or criminal or civil action for:

Any use of or attempted use of the VCUCard for purposes other than that intended.
Any use of or attempted use of the VCUCard by any individual other than the cardholder.
Permitting the VCUCard issued to him/her to be used by another individual.
Failure to fully and truthfully report the circumstances pertaining to a lost, stolen or damaged VCUCard.
Failure to appear and truthfully and fully testify at any criminal or disciplinary action resulting from the report of a lost or stolen VCUCard.

5. Refunds and Error Resolution Procedures

The University will not debit your account other than in accordance with transactions authorized through the use of your VCUCard or as permitted under these terms. Statements of your RamBucks account can be obtained through the VCUCard Online Card Office or by contacting any VCUCard Office.

RamBucks refunds are subject to the restrictions applicable on those accounts. Refunds are given only to the cardholder. A Refund Request Form must be submitted to the VCUCard Office. A $5.00 processing fee will be deducted from the account balance prior to a refund unless the cardholder is graduating or separating from Virginia Commonwealth University or VCU Health System. Refunds over $20.00 require the refund check be mailed to your address and will take 2-4 weeks to process.

Any requests for financial adjustments must be made in writing to the VCUCard Office within 7 days of the transaction date. Requests for adjustments to accounts must be accompanied by sufficient documentation (receipts, cancelled checks, statements, etc.) to allow for research and resolution. Please allow 7 business days for research of your request.

Refund requests resulting from a transaction error must be submitted to the appropriate vendor or merchant.

6. Dormant RamBucks Account Policy

If a RamBucks account has been dormant for a period of 2 years, it will be considered abandoned property by the University. Dormant accounts are RamBucks accounts that have had no financial transactions (charges or deposits) for a period of two (2) years and have not had a refund request submitted. After the two year dormant period your account will be suspended and a $24.00 administrative fee will be deducted. Any funds over $24.00 will be forwarded to VCU Financial Reporting and will be processed according to State of Virginia escheat policies. It is the responsibility of the cardholder to maintain activity or to request a refund within the provided timeframe.

7. Photograph Policies

Your digital photograph will be printed on the front of your VCUCard and will be stored in our database. A new picture will be taken only if there has been a significant change in one's appearance. Your VCUCard image is considered part of your official record at the University and may be shared with other VCU departments for administrative purposes. VCUCard reserves the right to refuse to issue a VCUCard to any applicant who appears for photographing in a disguise or intentionally distorts their face to alter their appearance. In accordance with the United States Department of State policy, photographs must be taken with no visible obstruction of the face necessary for positive identification. Headgear, sunglasses, costumes, and any other items that obstruct the head or face must not be worn at the time the ID picture is taken.

8. Acceptance of Agreement

Each individual card user is responsible for their knowledge of the terms, conditions, and policies of the VCUCard Office. Use of the VCUCard by the cardholder signifies agreement with all VCUCard terms, conditions and policies. By initiating deposits and transactions on your VCUCard RamBucks account you have agreed to the terms and conditions of the agreement as set forth in this document.

9. Privacy Policy

Your account and personal information will be kept strictly confidential as per the Family Educational Rights and Privacy Act. Outside parties will not be privileged to information about you, your account, or the purchases you make without your express consent or unless such disclosure is in compliance with a court order or government legislation.

10. Changes to Terms

Future changes in terms and conditions regulating use of this card will apply to all cards in circulation and use at that time and will supersede the terms and conditions in effect at the time the card was acquired. The University reserves the right to change any of the aforementioned policies without notice. These terms are available at vcucard.vcu.edu.

11. Wells Fargo Account

VCUCard is not responsible for any transactions connected to the use of your VCUCard as an ATM card for a Wells Fargo account. Using the VCUCard as a Wells Fargo ATM card is at the sole discretion of the VCUCard cardholder.