Acc Universal/PCA


	Universal Stored Value Card (Personal-Cash- Account)

If you like using a Merchant Gift Card at your favorite store -- Can you imagine going to any merchant location and being able to load or debit funds using your card?

EPC not only imagined it, we also *U.S. patented a system called the Personal-Cash-Account (PCA) that will allow you to save everyday. The PCA account will allow you to leave excess funds with multiple merchants and know that the funds will safely arrive at a financial institution. In the future, when you are ready, you will be able to use the funds in your PCA account for multiple purposes.

Personal Cash Account (PCA) -- A U.S. Patented EPC Product
In 1993, EPC created the PCA system that would allow consumers to save excess funds at a cash register or a point of sale terminal (POS). In April 1997, July 2000, and August 2000, the U.S. Patent and Trademark Office issued Every Penny Counts three U.S. patents that provides EPC with protection from competitors imitating the PCA account.

How the PCA Works!
Simply stated, the PCA invention provides consumers with the opportunity to use a transaction card in to multiple merchant locations and tell the clerk to load funds into their account by:

(a) Sending any part of their store change (coins and/or bills) to their PCA account.

(b) Converting their rebates or coupons to real savings -- by sending the funds to their PCA account.

On a daily basis, merchants will send their customers PCA deposits to the financial institution(s) that manages the consumers PCA account.

When account holders are ready to use their PCA accounts funds, consumers simply reverse the process by using their transaction card and a personal identification number at the POS, online, ATM, etc.

Saving All Day Long!
Imagine going to multiple stores (i.e. supermarkets, convenience stores, quick service restaurants, retail stores, etc.) and having a clerk accept your savings simply by having a PCA transaction card scanned at any POS terminal.

Receipts and Reporting
Also imagine every time you use your PCA card to make a deposit, the merchant’s cash register will provide you with a receipt verifying all the details of your transaction.

Account Reporting
And when you are ready to see a monthly report, your PCA statement will be available online or by U.S. mail, fax, or telephone.

PCA -- A Valued Service
Also imagine that such a simple and yet elegant customer service will soon be available to everyone regardless of their age, credit rating, or income level!

The PCA account is for every one! Even millionaires are not protected from the hassle of receiving burdensome, store change.

The PCA account would even make Andy Rooney happy! (See excerpts from the 8-12-01 “CBS 60 Minutes” program.)








	EPC Products PowerPennies Credit Card CreditCard Save/Invest Club PowerPennies Checking Save/Invest Checking Universal Stored Value Card Merchant Gift Card ”CaringGift” Card AutoGive CharityCoins CouponShare CreditCard Builder EasyLifeInsurance CreditRecover POS Smart Card Load POS Enroll EPC Aggregation Easy Deposit

Management of the PCA Account
Once you leave your funds with a merchant, the merchant will EFT (electronically transfer) the saved funds to the financial institution that you have selected to manage your PCA account.

When You Are Ready -- Debiting Your Funds
After you have saved, any part or all of your funds can be released by your financial institution to:

Store Merchants for goods or services
Online Merchants for goods or services
Nonprofit Organizations as a donation
Financial Institutions for mutual funds, insurance, or annuities
Credit Card Issuers to fund a secured credit card
Credit Institutions as partial or full payments
Or withdrawn for cash at ATMs

When debiting funds, customers will have the option of releasing funds per individual transaction and/or by prearranged instructions, i.e. apportioning monthly deposits by percentages (or dollar amounts) as follows: 10% to investments, 40% for a vacation, 20% for holiday gifts, 4% to nonprofits, and 26% for store spending.

Note: PCA Account Versus Gift Card or Merchandise Card
To further appreciate what a PCA account can do for you, many of you are already buying and reloading a gift or merchandise card.

As you know, gift and merchandise cards are really prepaid debit cards that are usually purchased by consumers for special purposes.

In contrast, over and above the gift/merchandise card, the PCA account solves the following real problems, as well as offers new opportunities such as:

Removes the problem of receiving store change
Allows saving in multiple merchant locations
Elevates coupons & rebates to real savings
Accepts deposits without needing to make a store purchase
Apportions and delivers funds to satisfy multiple account
Can be given as a gift card that is reusable


	Please click here, if you want us to find a proactive bank/card issuer who will offer you the world class Universal Stored Value Card program!


		Pennies, Just Pennies!

	home / introduction / site map login / products / individuals nonprofits / providers / network myepc / npo hub / contact us