Overview

Clients can request to have the point of sale limit on their debit card increased for a specific purchase. Generally, the limit cannot be raised more than double the normal limit. 

• Consumer limit $3500 – total increased limit not to exceed $7000
• Business limit $5000 – total increased limit not to exceed $10000

The increase remains in place for the specified transaction only.

The client’s daily debit card limit will be exceeded once the transaction is processed. No other purchases can be approved for the day.

All transaction exceptions are subject to TR&FP approval.

Office

1. Verify the client's identity.
2. Verify the following card related information:
   • Card number for the temporary increase
   • Embossed name on the card matches the name of the client making the request
   • Card status in Passport is listed as active
   • Checking account number
3. Ensure that the checking account linked to the debit card has sufficient funds to cover the purchase. If the client is opted in, include the bounce protection in the client's available balance.
4. Tell the client that the increase is in place for this transaction only, and no additional transactions will be approved for the day.
5. Create the Synapsys service event TR-TR & FP - Forced Authorization, and complete all applicable fields in the service event.

Client Service Center

1. Verify the client's identity.
2. Verify the following card related information:
   • Card number for the temporary increase
   • Embossed name on the card matches the name of the client making the request
   • Card status in Passport is listed as active
   • Checking account number
3. Ensure that the checking account linked to the debit card has sufficient funds to cover the purchase. If the client is opted in, include the bounce protection in the client's available balance.
4. Tell the client that the increase is in place for this transaction only, and no additional transactions will be approved for the day.
5. As a general rule, increases should be no more than double the current limit. Contact your supervisor or TR&FP for approval of transaction(s) exceeding limits below:
   • Consumer limit $3500 – total increased limit not to exceed $7000
   • Business limit $5000 – total increased limit not to exceed $10000
6. In Xperience do the following:
   1. Under customer profile, click Misc Accounts. 
   2. Click the client's card.
   3. Under account inquiry - passport, click edit.
   4. In POS limit enter the desired amount.
   5. Click Ok.
7. Stay connected with the client while completing the transaction. If the client is not ready to complete the transaction, instruct the client to call back or chat with an agent 7 AM - 10 PM Monday - Friday or Saturday 9 AM - 12 PM.
8. Once the transaction is complete, lower back to standard limits.
9. In Xperience do the following:
   1. Under customer profile, click Misc Accounts.
   2. Click the client's card.
   3. Under account inquiry - passport, click edit.
   4. In POS limit enter $3,500 for consumer or $5,000 for business.
   5. Click Ok.