Reloadable Help

Yes, but keep in mind many service-oriented merchants automatically factor in an additional percentage to cover any gratuity you may leave or incidental charge you may incur. When using your card at restaurants, it’s best to have an available balance that is 20 percent greater than your bill, and when using your card at hotels and car-rental agencies, check with the merchant to find out how much, if any, they over-authorize their transactions.

Yes, however, an authorization of at least $75 may be held on your account. This authorization may not be removed from your account for several days. To avoid this over-authorization, simply pay for your gas inside the service station.

At a merchant or store, you can use your card with either a signature or PIN-based transaction. There is a daily spend limit of $2,500 for signature transactions and another $2,500 daily limit for PIN transactions. For cash withdrawals, you can also use your card at ATMs or financial institutions. If you are purchasing online or over the phone, make sure the billing address you provide matches the one registered to your card. All of these options are subject to transaction fees. Please see your Terms and Conditions for a listing of the associated fees and limits.

If you want to share access to the same funds while on the go, it’s as simple as adding a secondary card. You can request a secondary card (at the time of purchase only) that will carry a different card number but will share the same account information and balance as the primary card. Both cards will be fully functional, but if one is lost or stolen, you can cancel it without impacting the use of your other card.

You must be 16 years or older to purchase a Reloadable Card.  A secondary cardholder is permitted to be 13 years of age or older.

You can use your card everywhere Visa® debit or Debit Mastercard® is accepted. Just look at the checkout for the brand mark that matches your card – Visa or Mastercard. Plus, your card can also be used for online and phone purchases.

Funds may be added to the card at the location where the card was purchased, up to three (3) times per 24 hours. Your card is reloadable, up to a maximum of $5,000 per 24 hours. Fees may apply and are disclosed in the Terms and Conditions. Your card can be reloaded at your financial institution. Cards can also be reloaded through direct deposit or the Manage My Card mobile app*.

  • Direct deposit: click the “Direct Deposit” tab to retrieve your routing and account number to provide to your employer or funds provider
  • Mobile check load: Simply snap a photo of the check using the Ingo™ Money mobile app. All checks are subject to approval by Ingo in its sole discretion. Fees and other terms and conditions apply to check load services.* Download the Ingo™ Money mobile app to get started. Visit for complete details.
  • In-branch or office: visit the institution where your card was purchased and load funds in-person
  • Western Union locations: find participating U.S. locations by visiting
  • Green Dot locations: find participating U.S. locations by visiting

*Third party phone and data fees may apply. Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.


Simply call 866-261-7741. Keep in mind, it may take a little time for our system to register your new number. If you have trouble using your PIN, call back to customer service to make sure your PIN was set correctly. You may also set your PIN by logging into your account on or the Manage My Card app*.

*Third party phone and data fees may apply

Call 866-261-7741 and the automated system will provide easy instructions on how to change your PIN. You can also change your PIN by logging into your account on or the Manage My Card app*.

*Third party phone and data fees may apply

No worries. You can reset your PIN by calling 866-261-7741. You will need to speak with a live agent who will ask a few questions to verify your identity and walk you through resetting your PIN. You can also reset your PIN by logging into your account on or the Manage My Card app*.

*Third party phone and data fees may apply

You can withdraw cash from terminals carrying your card’s brand mark – Visa or Mastercard. All you need to do is select “Checking” from the withdrawal options. Some merchants also offer cashback at the point of sale – you can use your PIN to take advantage of this option. Or if your bank or credit union of choice is nearby, feel free to withdraw cash there. All of these options may be subject to transaction fees. Please reference your Terms and Conditions for the associated fees.

To find a MoneyPass® ATM near you, click here.

There can be three ATM or point-of-sale cash back withdrawals per day totaling $500 in total or three over-the-counter withdrawals per day totaling $2,500 in total.

Since January 1, 2004, Visa regulations have required issuers to label non-credit products such as prepaid cards with the term “debit.” Although the card is labeled “debit,” the cardholder should select “credit” and sign for purchases to indicate the transaction is authorized.

We recently created a new account center with expanded features. You will create new login information when using or the Manage My Card App* so you can view your balance, see transactions, create alerts, and more.

*Third party phone and data fees may apply

You can: check your balance, view transactions, set up account alerts1, deposit checks, find cash reload locations and locate fee-free2 ATMs.

  1. Standard text message rates, fees, charges, and other third-party fees may apply.
  2. While this feature is available for free, certain other transaction fees and cost terms, and conditions are associated with the use of this Card.  See cardholder agreement for more details.

You can get your card balance and a list of all your transactions by logging into or the Manage My Card app* or by calling 866-261-7741. 

*Third party phone and data fees may apply.

The Manage My Card App is available for download* from the App Store℠ for iOS devices or from the Google Play™ Store for Android devices.

*Standard text message rates, fees, charges, and other third-party fees may apply.

Yes, your Card can be used domestically or internationally*. Your card will be accepted worldwide, excluding current OFAC-sanctioned or prohibited countries. The official list of these countries can be found at

*Foreign transaction fees apply – see Cardholder Agreement for details.

There are some fees to keep in mind. Take a look at the Terms and Conditions that you received with your card for the associated fees. If you have any questions about fees, feel free to call 866-261-7741.

Yes, it’s possible but only if the merchant allows split-tender transactions (see “What is a split-tender transaction and how does it work?”).

These transactions are reflected in your available balance but won’t be finalized until posted by the merchant. The amount listed may not be the actual final amount.

Sometimes your purchase is for a greater amount than what’s on your card. And since you can only spend what you load, you will need to split the payment across multiple methods. Depending on the merchant’s policy, you can request a split-tender transaction – just use an additional card or alternative payment method to cover the remaining cost of the purchase beyond your card’s balance. Keep in mind, some merchants may only allow you to do this if the second method of payment is cash or a check. Also, online and most mail-order merchants do not permit split-tender transactions. There is no guarantee that every merchant will accept two forms of payment, such as two prepaid cards.

When making a purchase in-person, the merchant may have attempted to process the purchase for a greater amount than what is available on the card. If this happens, ask the merchant to split the payment across multiple methods. You can only spend what you load on your card – any amounts beyond that will cause a decline. You also may have selected “gift” instead of “credit” or “debit” to run the transaction (see “How do I use my card?”).

No worries. If your card has been lost or stolen, call 866-261-7741. A live agent will walk you through obtaining a replacement card. Keep in mind, there will be a $9.95 fee assessed to your card balance to replace your card. It may take up to 10 business days to receive your replacement card. 

Let us know! If you notice transactions on your account that you have not made, call the customer service number on the back of your card immediately. A live agent will follow a standard dispute process to investigate the fraudulent transactions and help remedy the situation.