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How to Become an Express Card Cardholder

Follow these instructions to obtain an Express Card.

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1. Request an Express Card

  • Contact your Express Card Department Administrator (ECDA) to become a cardholder.
    • ECDA uses ECManager and creates a new Express Card account.
Note: If you do not know who your ECDA is, contact your business officer.

2. Complete cardholder training

  • Complete the required UCLearning Express Card Cardholder Orientation with a score of 80% or better.
  • Course can also be accessed manually via UCLearning by searching Express Card Cardholder Orientation.
  • Click Exit the Course to send your results to UC Learning Center.
  • Submission of your training certificate is not required; the Express Card Team is automatically notified. The course will appear on your UC Learning Center training history.

Note: Express Cards are not issued solely on the basis of passing the cardholder orientation.

3. Complete the agreement

  • Download the cardholder agreement (PDF)
  • Sign and date the agreement and acquire signatures from your:
    • Supervisor
    • Department business officer DBO/MSO/PI
  • Submit the completed agreement to your Express Card Department Administrator (ECDA) to upload in ECManager on your behalf.
  • Once you complete Steps 1– 4 and your ECDA submits your new card request via ECManager your Express Card will arrive within 10 business days.

4. Activate your card

  • Contact U.S. Bank by calling the number that appears on the sticker located on the front of your card.
  • Follow the prompts to activate your card.
  • When prompted for your Social Security number, provide your UCSD employee ID number.
  • Sign the back of your card on the space provided.

5. Register your account

First time users need to register their account.

  1. Go to U.S. Bank Access Online.
  2. From the Welcome page, click the Register Online link.
  3. From the Online Registration page:
    1. In the Organization Short Name field, enter ‘UCSD’.
    2. In the Account Number field, enter the 16-digit account (card) number (no dashes or spaces).
    3. From the Account Expiration Date fields, select the month and year that the account (card) expires.
    4. Click the Register This Account button.
      1. If you have more than one Express Card to register, click the Additional Account button and enter the account information.
  4. From the Licensing Agreement page, click the I Accept button at the bottom of the page.
  5. From the Online Registration page:
    1. In the User ID field, enter a User ID using 7 – 20 alpha-numeric characters.
    2. In the Password field, enter a Password using 8 – 20 alpha-numeric characters.
    3. Re-enter the password in the Re-enter New Password field.
    4. Select an Authentication Question from the dropdown menu.
    5. Enter a response in the Authentication Response field.
    6. Complete the Contact Information fields (fields with red asterisk are required).
    7. Click the Continue button, this will bring you to the Access Online page, with a confirmation message that your User ID has been successfully added.
Note: If you entered invalid information or encountered an error message, you have 3 attempts to correct your information. If all 3 attempts fail, you will be locked out of self-registration and will need to contact U.S. Bank Customer Service at (800) 344-5696.

6. Sign-up for Real-Time Fraud Alerts

U.S. Bank cardholders can elect to receive a real-time fraud alert via SMS text and/or email when suspicious activity has been detected on their Express Card. You will be able to reply on the spot that the transaction is valid or fraudulent, ensuring fewer unnecessary declines and quick protection in the event of attempted fraud.

To register for fraud alerts:

  • Log in to Access Online.
    • Go to My Personal Information > Account Alerts > Fraud Alerts to enroll.
    • Provide or confirm your contact information, select how you would like to receive your alerts (text/email), accept the terms and conditions, and click Submit.
      • For text alerts, you will receive a text confirming your selection.

USBank Access Online

Once your account has been registered these tools will become available through USBank

View Transactions

  1. Go to U.S. Bank Access Online.
  2. From the Welcome/Login page:
    • Enter Organization Short Name (UCSD), User ID and Password.
    • Click the Login button.
  3. From the Access Online page:
    • Click Transaction Management in the left-hand navigation bar.
    • From the Transaction Management page, click the Transaction List link - you will see a list of transactions for the open billing cycle.
    • To view transactions from a different billing cycle, click the arrow next to ‘Open’, select a billing cycle and click the Search button. You can also search for specific transactions using the expanded Search Criteria.

View Statements

  1. After logging in, click Account Information in the left-hand navigation bar.
  2. Click the Cardholder Account Statement link.
  3. Using the drop-down menu, select a billing cycle and click the View Statement button. You can view statements for the last 2 years.

View Available Credit

  1. After logging in, click Account Information in the left-hand navigation bar.
  2. Click the Cardholder Account Profile link.
  3. Click the Authorization Limits link - you will see your available credit for the current cycle.

Note: The new cycle begins the 16th of each month unless the 16th falls on a weekend or holiday, in which case the cycle begins on the next business day.

Account Alerts

Account Alerts

U.S. Bank and UCSD work together to monitor suspicious activity on Express Cards. The bank can often recognize fraud by comparing it to UCSD's account profile and the cardholder's typical purchasing pattern.

If the bank suspects fraudulent activity on your Express Card, it will put an "account alert" on the card and call you to:

  • Review recent transactions and account activity
  • Identify fraudulent activity
  • Cancel the card (if necessary) and issue a replacement card
  • Credit the account for any fraudulent transactions

Note: The bank will never request private information by e-mail

If U.S. Bank calls you to verify your Express Card activity

  • Give your employee number instead of your Social Security number. (You should never have to give your Social Security number.)
  • Give your own UCSD phone number as the telephone number.
  • Give 9500 Gilman Drive and your department Mail Code as the address.
  • Review recent transactions for possible fraudulent activity.
  • Notify your Express Card Department Administrator if the bank canceled your card.

Note: If the bank can't reach you and leaves a message, your account will stay on alert status until you call U.S. Bank Fraud Investigations, (800) 523-9078 or (701) 461-2042 (you can call collect).

How to answer a fraud alerts

U.S. Bank cardholders can elect to receive a real-time fraud alert via SMS text and/or email when suspicious activity has been detected on their Express Card. You will be able to reply on the spot that the transaction is valid or fraudulent, ensuring fewer unnecessary declines and quick protection in the event of attempted fraud.

  • If you receive a fraud alert via SMS text, your card will be put in “FR” (fraud) status, and subsequent activity will be declined. You will have 15 minutes to respond “valid” or “fraud.”
    • By responding “valid,” the fraud block on your card will be cleared, and no further transactions will be affected.
    • By confirming “fraud,” your card will be protected from additional activity. You can either call the number provided in the text, or a U.S. Bank fraud agent will contact you shortly.
    • If you receive an email alert, you should call the service center number provided in your email.
      • You will not be able to respond to the email to clear the fraud.
      • The alert will follow the existing fraud-detection process, and a U.S. Bank fraud analyst will call you.

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