What's the difference between Munch Money and a Podium Account? Quick Guide

DESCRIPTION
Munch Money Podium Credit Card/Cash
Part of a Meal Plan Optional Account Your Own
 
WHERE CAN IT BE USED?
Munch Money Podium Credit Card/Cash
University dining locations and University vending machines. University dining locations, vending machines, University Bookstore, Performing Arts Center, Registrar's Office, Library copiers and printers, and designated off campus retail locations. Cash can be used everywhere except library copiers and printers; credit cards can be used at designated dining locations and University Bookstore. Credit Cards can be used in some vending machines.
 
WHEN CAN IT BE USED FOR VENDING MACHINE PURCHASES?
Munch Money Podium Credit Card/Cash
Can be used in vending machines 24/7. Can be used in vending machines 24/7. Cash can be used at any time; credit cards can be used in some vending machines.
 
HOW DOES IT WORK?
Munch Money Podium Credit Card/Cash
Declining balance account - purchases are subtracted from the Munch Money balance. Declining balance account - purchases are subtracted from the Podium balance. Credit cards allow charges up to a set limit.
 
DO I PAY TAX ON PURCHASES?
Munch Money Podium Credit Card/Cash
Purchases are non-taxable because they are part of your meal plan. Purchases are taxable. Purchases are taxable.
 
DOES THE BALANCE CARRY OVER?
Munch Money Podium Credit Card/Cash
Munch Money balances that remain at the end of the fall semester will roll over to the spring semester for all enrolled students. Balance carries over from semester-to-semester, as long as you are a registered student.  
 
CAN I ADD MORE FUNDS TO THIS ACCOUNT?
Munch Money Podium Credit Card/Cash
Funds can be added to this account at any time, on line or in the SUNYCard office. Funds can be added to this account at any time, on line or in the SUNYCard office.  
 
WHAT ABOUT REFUNDS?
Munch Money Podium Credit Card/Cash
If you are not enrolled for the following semester, any remaining balance is not refunded. To request a refund either visit or call the SUNYCard office.  
 
WHAT IF MY CARD IS LOST?
Munch Money Podium Credit Card/Cash
You must deactivate it immediately online at www.albany.edu/uas. You must deactivate it immediately online. A lost credit card could be a liability.
 
IS THIS CONVENIENT?
Munch Money Podium Credit Card/Cash
Very convenient for food purchases at dining locations and vending machine purchases. Very convenient for purchases at various locations on campus, including dining, and a few off campus retail locations. You will need to carry your SUNYCard ID for identification, etc. - and you would need a credit card or cash for purchases.
 
WHAT DO MOST STUDENTS USE?
Munch Money Podium Credit Card/Cash
All residential students have Munch Money as a part of their meal plan. Many students living in apartments or off campus also choose to use Munch Money for food purchases because of the tax advantage. Most students have Podium in addition to Munch Money because Munch Money can only be used for food and vending purchases. Some commuter students choose to have only Podium. Many students also have credit cards as a back up and for off-campus purchases.