How Does It Work?

RTO Product Protection



PTS Direct Benefits will provide a member with a One-Year Paid-Off Product Protection Benefit, after the member owns the merchandise. This benefit will allow the member to have 1 year of Paid-Off Protection after the rental term has been completed and they own the merchandise. Protection is provided against product failure and mechanical breakdown of the merchandise not caused by external conditions. Without this benefit, any repairs required on previously rented merchandise, including home electronics, furniture, appliances, and computers would be the responsibility of the member. Members can contact PTS Direct Benefits at (706)602-0597 option 5 for service on their rental items. 


PTS Direct Benefits will provide a member with an On-Rent Product Protection Benefit. This benefit for members will allow them to receive a replacement item, at the same rental rate, should they suffer a covered loss of rental merchandise. A covered loss will include damage of loss due to fire, flood, windstorm, lightning or other acts of God, and theft. If the claim is due to theft, a police report must be filed within 48 hours of the loss and there must be visible signs of forced entry 


In the event of involuntary unemployment, a customer’s monthly rental payment(s) will be covered by club (including applicable sales tax and other covered fees) up to a maximum of $1,000 on all rental agreements combined or when customer is able to return to work, whichever occurs first. 

Involuntary unemployment means that customer has totally and continuously lost their full-time employment as a result of (1) a permanent involuntary termination of employment; or (2) an involuntary layoff or suspension of employment; or (3) an authorized, unionized strike or labor dispute by a charted or previously organized trade or labor union.

Stores must provide signed claim form, proof of unemployment, copy of all rental agreements, club agreement, rental and club payment histories when filing an Unemployment Benefit claim. Customers must provide continuous proof of unemployment for the duration of the benefit. 



Club members are eligible to receive up to $200 per year in rebates for purchases on (1) groceries, (2) utilities, and (3) gasoline. Members are entitled to one rebate per category every ninety (90) days up to the following amounts per period: $25 for groceries; $15 for utility bills; and, $10 for gasoline. Members are eligible for these rebates every ninety-day period while they are a current club member.


Members are eligible for Telemedicine Benefit at a discounted rate of $5 month. Direct Access to board certified medical Doctors across the US, in all 50 states via phone or web chat 365 days a year/24/7. Customers can simply call into My Doctor, or pull up the app on their phone (or other device), and instantly be connected to a nurse or doctor of their choosing while being in the privacy and comfort of their home or space. Members must contact PTS Direct Benefits to enroll in this program. 

More Big Benefits

Juice Prepaid Mastercard


  PTS Direct Benefits will provide a member with a Prepaid Debit MasterCard®. 

Benefits of the Prepaid Mastercard

· No Enrollment Fee**

· No Activation Fee**

· No Swipe Fees**

· Pay for Purchases Using Your PIN and Get Cash Back – At no charge

· At no charge Payroll Direct Deposit and government Benefits Direct Deposit

· No charge Text and Email Alerts (all transactions/real time account balance) Standard text messaging rates from your wireless service provider may apply.

· 24/7 Automated Voice System Customer Support

· No Charge Online Statements

· Ability to Use Your “Signature” or “PIN” for Purchases

· No charge Juice Card to Juice Card Money Transfer 

· Use Everywhere Debit Mastercard is accepted

Metropolitan Commercial Bank does not manage or endorse any other PTS Benefits included with this flyer.

The Juice Prepaid Mastercard is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank (use the "C" inside a circle mark before the year) 2014.

Then leave two spaces and place the following sentence: Card program marketed and administered by Praxell, Inc.

**Other fees apply-see Cardholder Terms and Conditions

AT&T 10% Wireless Discount


PTS Direct Benefits is proud to offer members a 10% discount for AT&T Wireless customers on their base voice/data plan billing each month when the plan is over $30. 

Contact us today for instructions on how to claim this AT&T Premiere benefit on your AT&T Wireless plan. 706-602-0597 option 5.

Free Prescription Discount Card


  PTS Direct Benefits will provide a member with a free discount prescription card where a member can save at more than 54,000 national and regional pharmacies. This card is not insurance, but it can provide members with an average savings of 32-35% off usual and customary pricing and savings as high as 75%.  

Lease Cancellation Benefit


PTS Direct Benefits will provide a member with a lease cancellation benefit. This benefit will allow the liability on the rental agreement to be forgiven if the first, or second person listed on the rental agreement dies if under the age of 70. 

Even More Benefits

1-800-FLOWERS Discount

PTS Direct Benefits will provide a member with discount on flowers from Personal service is available 24 hours a day, 7 days a week for delivery the same day or any day. Members can save a minimum of 15% off flowers, plants, gift baskets, plush toys, gourmet foods and more. There is a 100% satisfaction guarantee. The discount does not apply to delivery fees or any applicable taxes.

Child Fingerprint Kit

PTS Direct Benefits will provide a member with a Child Identification Kit that will include a fingerprint kit. This benefit, which must be ordered from PTS Direct Benefits, will provide parents with peace-of-mind knowing that their child’s personal information is recorded in case of an emergency. A parent will be able to record personal, contact, dental and medical information. A photo of the member’s child can be attached to the paperwork. 

Simply request your Child Fingerprint Kit by phone, fax or email.

Benefits On The Go


Emergency Travel Expense

If member is more than 100 miles from home and his or her automobile become disabled, Club will reimburse member up to $300 in actual expenses of continuing their journey by car rental or commercial transportation and/or room and board while waiting on auto repairs.  If master member and associate member are traveling together this benefit is limited to $300.  If disabling event occurs where member is temporarily employed, benefit is limited to transportation expense only.  

Request reimbursement with this Form.

Travel Discounts

To book discounted travel anywhere in the world, go to my and book online all travel of any type as well as other products and services. This is an independent agent and PTS Direct Benefits receives no monetary consideration from your use of travel agent’s services.  

Enterprise and National Discounts

  A Direct Benefits Program Member will be entitled to a discount on rental cars with Enterprise and National Rental Car. This will entitle the customer to a fixed percentage discount of 5% on Enterprise and 10% on National Rental Car over the standard rate.

Emergency Automobile Service Reimbursement

Member calls for road service of member’s choice and Program will reimburse member up to $50. PTS Direct Benefits Program will reimburse for towing or wrecker service and service call by garage or mechanic to member’s disabled auto. Included is opening locked vehicle, ignition or garage door if member’s key has been lost or broken. Roadside mechanical repair includes labor and service call only. Gas, parts, new keys and repairs in garage or at service station not included, except tire repair and battery charge which are limited to $15 each. Only one wrecker charge or service call per disablement. Assistance of a private citizen or services of a family member in the wrecker business is not reimbursable.   

Send a copy of your paid invoice to us by fax or mail.  Be sure to include your membership information and a way for us to contact you.

Stolen Automobile Reward

Club will pay a reward of $2,500 for any person responding to the member’s posting of reward and giving information to law enforcement officials that directly leads to the arrest and conviction of anyone stealing Member’s automobile.  

Use this Form to claim this benefit. 

$150 Traffic Court Defense

  Club will reimburse up to $150 for member’s attorney for defending member if the member is charged with a traffic violation while involved in an accident in which someone is injured or killed.

Tax Time Benefits

Free Tax Return Overlook

  PTS Direct Benefits will provide a member with a free tax return overlook. If PTS did not prepare customer’s tax return in the last four years, our member services group will review return to ensure that the member received the maximum tax refund available for the taxpayer.  If the original return was not filed correctly, member will be given advice on how to proceed. Please provide all documents used in the initial tax return preparation as well as the completed tax return that was submitted to the IRS. Please forward your information with the Request Form to the address below.

Free Tax Liability Estimate


  PTS Direct Benefits will provide a member with a Free Tax Liability Estimate at any participating PTS affiliate office. A member can take tax documents including W-2’s, 1099’s, etc. and a trained preparer will enter tax information to provide an estimate on the current year tax return. Please contact PTS Direct Benefits to find a participating PTS affiliate location*.

*This benefit is only available at participating locations.

$20 Tax Return Preparation Discount


 When you go to a PTS Financial Services Affiliate to have your tax return prepared, you will receive a credit of $20 on your tax return preparation fees. Just bring in your current PTS Direct Benefits Program Membership Card to the PTS Affiliate you purchased your membership from, and the credit will be applied to fees owed*.

*Discount available at participating locations.

Coupon Program


By using the Direct Benefits coupon program, members can save money each month with a variety of coupons. It’s simple and the savings begin immediately!


  • The Direct Benefits program allows you to choose the coupons you want to receive for the items you are interested in buying.
  • Choose from our variety of coupons ranging from groceries to baby and pet care.
  • As long as you maintain your Direct Benefits membership you can continue to order coupons and save money.


  • Fill out your information on the following order form.
  • Check off which categories of coupons you are most interested in.
  • Print out the form.
  • Send the completed form to: PTS Direct Benefits, Attn: Member Services, 113 North Park Avenue, Calhoun, GA 30701 or  or call 706-622-5390. 


Sample of recent coupons that have been offered in the past.

Sample Grocery Coupons:

$1.00 off any Frozen Pilsbury Egg Scrambles OR Biscuit Sandwiches 

Sample Pet Care Product Coupons

$3.00 off any Purina Pro Plan Brand Dog Food, Any Size, Any Variety

Sample Pharmacy Coupons:

$4.00 off any Non-Drowsy Claritin Allergy Product

Sample Household Items Coupons:

$4.00 off any Scrubbing Bubbles One Step Toilet Bowl Cleaner Starter Kit

$10,000 Bond


 If a member is charged in an auto accident in which someone is injured or killed, the Club will reimburse for the fee charged by a licensed bail bondsman in an amount that is the lesser of 10% of the face amount of the bail bond set in your case or $1,000. Club will not be a surety on any bail bond. This provision does not include an appeal bond of any kind.    (NOT AVAILABLE IN ALL STATES INCLUDING OKLAHOMA AND VIRGINIA.) 

Personal Defense Fees


  When charged with vehicular homicide due to an auto accident, the Club will pay attorney of member’s choice up to $250 to defend current member in preliminary hearing and up to $250 each for subsequent trials or hearings, but not exceeding $750 per accident. 



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PTS Direct Benefits

113 N. Park Avenue, Calhoun, GA 30701

(706) 602-0597 option 5


Monday - Friday: 9am - 5pm Eastern

Closed On National Holidays