The Monthly Maintenance Fee is assessed and charged on the same day of each calendar month unless the calendar day does not exist for the month, in which case the billing date will be the last day of the calendar month, reverting back to your original billing day the following month. The fee amount is assessed on the first period where $10 or more funds are added.

If you have a qualifying direct deposit in the previous billing period, the Monthly Maintenance Fee will be waived. Direct deposit refers to ACH payments from a payroll or federal benefits source, excluding tax refund deposits. You will need to have a qualifying direct deposit every month to continue to get the fee waived.

The billing period begins the day following the fee assessment date and ends on the day of the fee assessment. Any direct deposits received during this period are used to calculate the Monthly Maintenance Fee waiver.

Your fee assessment date is assigned with your first deposit of $10 or more to your Account. If the first direct deposit meets the qualification, your first fee will be waived. If your first direct deposit does not meet the qualification requirements a Monthly Maintenance Fee will be charged.

To determine the amount of your Monthly Maintenance Fee and the monthly deposit amount required to qualify for a Monthly Maintenance Fee waiver, review the Fee Schedule for your Account. See your Account Agreements. For new customers, click our Standard Terms and Fee Schedule.

We have prior offerings with different Terms and Fee Schedules that are available to customers who retained prior Terms and Fee Schedules. A current customer must log in to their Account to see the current Terms and Fee Schedules applicable to your Account or you may contact Customer Service at 844-227-3602.

A Qualifying Direct Deposit is a deposit electronically deposited into your Account by a payroll or benefits provider. Typically, only recurring payments from a payroll or benefits provider source qualify. Tax refund deposits, adding cash, Ingo funds transfers, bank-to-bank transfers, and person-to-person transfers do not qualify.

You can perform most account-related actions in your online Account on our website or using our mobile app⁶ easily yourself, 24 hours a day. This includes replacing a lost, stolen or damaged Card, seeing your balance and recent deposits, updating your Account information such as address or phone number, and more.

If you still need help, you can contact us by calling (844) 227-3602 and using our automated support services. You may also call us to speak with a live agent, Monday – Friday, 7:00 a.m. to 7:00 p.m. CST. There are no additional costs or fees when using any of our Account Support Services¹.

You can take peace of mind in knowing you will not be held accountable for unauthorized transactions, as your Account is protected by The Visa® Zero Liability policy. Some limitations may apply.

Visa’s Zero Liability Policy* is our guarantee that you won’t be held responsible for unauthorized charges made with your account information. You’re protected if your Visa credit or debit card is lost, stolen, or fraudulently used, online or offline.

See your Demand Deposit Account Agreement for details or visit Visa’s Zero Liability Policy | Visa

You’ll have access to your money as soon as the funds are electronically deposited into your Account. You may even get paid up to 2 days faster³ with our QuickPay Direct Deposit feature, depending on your payer’s support.

QuickPay Direct Deposit provides faster access to funds based on a comparison of traditional banking policies and deposits of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to the payer’s support of the feature and timing of the payer’s funding.

If your Card is lost or stolen, immediately log into your online Account on our website or use our mobile app⁶ to report your Card lost or stolen and follow the prompts.

If you are not replacing your card design with a new design, replacement Cards are free¹. See your Demand Deposit Account Agreement for details. If you’d like to replace your Card with a new design:

1. Log in to the website or mobile app⁶.
2. Select “Replace Card Design” in the My Cards section.
3. Follow the instructions to select your new design and complete your order. Please confirm your address before completing the request to ensure we’ll be able to deliver your Card to you successfully.

With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Account may be “preauthorized” for an amount greater than the transaction amount to cover gratuity or incidental expenses. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. During this time, you will not have access to preauthorized amounts. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds.

If you use your Card at an automated fuel dispenser (“pay at the pump”), your Card may be preauthorized for the transaction amount of up to $100 or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier.

Your preauthorization transactions will appear along with all other transactions in our mobile app⁶ and your Transactions page in your online Account on our website.

If you have questions or need more information about your electronic transactions you can call 844-227-3602, or write to Premium Bank Account Processing Center, P.O. Box: 3120, 901 N Francisco Ave #3120, Mission, TX 78573.

You may review a written history of your transactions by logging in to your online Account on our website or mobile app⁶. You may also request a written history of your transactions at any time by calling 844-227-3602. In the case of errors, we will ask you to complete the Dispute Form to help with our investigation process. The Dispute Form will be provided to you by one of our agents and will include the instructions for return and will ask you to provide the following details.

• Your name and Card or Account number.
• A good telephone number where we may reach you with questions related to your claim.
• Why you are disputing the transaction.
• The amount of the transaction you are disputing.
• The date (or approximate date) the error occurred.

If there is any documentation that you feel may assist us with our investigation, please include it along with your signed letter or Dispute Form.

Yes, we have a feature-rich app⁶ available in Google Play^TM and the App Store®. Quickly view your balance, and recent transactions, find ATM locations and reload locations near you, and even deposit funds from a check⁹ directly within the app.

Yes, you can add a second or third Card to your Account. To do so:

Log in to the Website or mobile app⁶.

Select “Add New Card” in the My Cards section.

Follow the instructions to select your new design and complete your order. Please confirm your address before completing the request to ensure we’ll be able to deliver your Card to you successfully.

**Note: A fee of $5 fee will apply for each additional Card order.

Complete the application on our website or mobile app⁶ to open an Account featuring your favorite card design. There are no upfront fees¹ and your enrollment can be approved in seconds once we verify your identity¹⁰.

We request your Social Security number to verify your identity to comply with the USA PATRIOT Act¹⁰. We take the privacy and security of your personal information very seriously; your information is safe with us.

Your Card should ship within four (4) business days after your order is processed and arrive within 14 business days after it has been shipped, depending on mail delivery to your area. If you haven’t received your Card after 14 business days from the ship date, please call Account Support Services at (844) 227-3602 to process a Card replacement.

You can set up your Direct Deposit, bill payments, or transfer money from an external bank account as soon as you open your Account⁵. Once you receive your Card, successfully deposit funds to your Account, and activate your Card, you may begin to use it.

The Monthly Maintenance Fee is assessed and charged on the same day of each calendar month unless the calendar day does not exist for the month, in which case the billing date will be the last day of the calendar month, reverting back to your original billing day the following month. The fee amount is assessed on the first period where $10 or more funds are added.

If you have a qualifying direct deposit in the previous billing period, the Monthly Maintenance Fee will be waived. Direct deposit refers to ACH payments from a payroll or federal benefits source, excluding tax refund deposits. You will need to have a qualifying direct deposit every month to continue to get the fee waived.

The billing period begins the day following the fee assessment date and ends on the day of the fee assessment. Any direct deposits received during this period are used to calculate the Monthly Maintenance Fee waiver.

Your fee assessment date is assigned with your first deposit of $10 or more to your Account. If the first direct deposit meets the qualification, your first fee will be waived. If your first direct deposit does not meet the qualification requirements a Monthly Maintenance Fee will be charged.

To determine the amount of your Monthly Maintenance Fee and the monthly deposit amount required to qualify for a Monthly Maintenance Fee waiver, review the Fee Schedule for your Account. See your Account Agreements. For new customers, click our Standard Terms and Fee Schedule.

We have prior offerings with different Terms and Fee Schedules that are available to customers who retained prior Terms and Fee Schedules. A current customer must log in to their Account to see the current Terms and Fee Schedules applicable to your Account or you may contact Customer Service at 844-227-3602.

To determine the amount of your Monthly Maintenance Fee and the monthly deposit amount required to qualify for a Monthly Maintenance Fee waiver, review the Fee Schedule for your Account. See your Account Agreements. For new customers, click our Standard Terms and Fee Schedule.

We have prior offerings with different Terms and Fee Schedules that are available to customers who retained prior Terms and Fee Schedules. A current customer must log in to their Account to see the current Terms and Fee Schedules applicable to your Account or you may contact Customer Service at 844-227-3602.

Yes, you will be eligible for a Monthly Maintenance Fee Waiver if you deposit a Qualifying Direct Deposit totaling the amount outlined in your Fee Schedule within your billing period. See your Account Agreements. For new customers, click our Standard Terms and Fee Schedule.

We have prior offerings with different Terms and Fee Schedules that are available to customers who retained prior Terms and Fee Schedules. A current customer must log in to their Account to see the current Terms and Fee Schedules applicable to your Account or you may contact Customer Service at 844-227-3602.

A Qualifying Direct Deposit is a deposit electronically deposited into your Account by a payroll or benefits provider. Typically, only recurring payments from a payroll or benefits provider source qualify. Tax refund deposits, adding cash, Ingo funds transfers, bank-to-bank transfers, and person-to-person transfers do not qualify.

Get started by activating your Card and if you haven’t yet, add funds to your Account.

You can use your Card everywhere Visa debit cards are accepted, online and in-store.

Activate online by visiting the Card Activation page, in our mobile app⁶, or by calling (844) 227-3602.

There may be limits based on the source of the funds. Our limits are available in your Demand Deposit Account Agreement. Please log in to view your Demand Deposit Account Agreement.

There is no minimum balance or maximum balance that you must maintain in your Account.

Funds are FDIC insured up to $250,000⁷. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.

This varies by transaction. Please log in to your online Account on our website or our mobile app⁶ to view your spending limits in your Demand Deposit Account Agreement.

Generally, you may not exceed the Available Balance in your Account through an individual transaction or a series of transactions. Any permissible transactions to overdraw your Account are subject to the terms applicable to our Optional Overdraft Protection Service². Review the terms associated with our Optional Overdraft Protection Service to see if you may qualify for this service².

If a transaction to your Account exceeds the balance of the funds available in your Account, you will remain fully liable to us for the amount of the transaction and any corresponding transaction fees(s). You must also pay us promptly for the negative balance. If your Account has a negative balance, any deposits will be used to offset the negative balance. We may also, to the extent permitted by applicable law, use any deposit or balance on another account you have with us to offset a negative balance in your Account that has remained negative for a minimum of 35 days.

If you have not deposited sufficient funds to your Account to cover the negative balance within ninety (90) days of its creation, we may close your Account. Additionally, we have the right to pursue collection, including the right to collect funds, equal to or less than the negative balance, from any other account(s) you may have with us.

You can check your Account balance by logging in on our website, using our mobile app⁶, or by calling (844) 227-3602.

If you are entitled to a refund for any reason for goods or services purchased with your Account, the return and refund will be handled by the merchant. If the merchant credits your Account, the credit may not be immediately available. While merchant refunds are applied to your Account as soon as they are received, we have no control over when a merchant sends a refund transaction, and the refund may not be available for a number of days after the date the refund transaction occurs. We are not responsible in any way for any goods or services you decide to purchase, including without limitation, their quality, safety, legality, or delivery.

We will not become involved in any dispute involving such goods or services. If you believe that the refund should have been credited by now, please contact the merchant directly.

Yes, you can change your card design at any time for a fee of $5.

If you would like to replace your current Card with the same design because your Card has been lost, stolen, or damaged, there is no fee¹.

You can add up to three (3) card designs to your collection to match your personality as a Premium Bank Account owner. The maximum number of Cards that you can have at one time is three (3) active Cards. There is no charge for your initial Card that you select at Account opening¹.

There is a fee of $5 for any second and third Card you order for your Account (Additional Card Design Fee); however, you are free to change the design on any of your Cards for a $5 Replacement Card Fee at any time.

You will not be charged a fee for a Card replaced as lost, stolen, or damaged when replaced with the current design¹.

You can close your Account by contacting supportDDA@card.com and requesting that your Account be closed, or at (844) 227-3602 and by speaking to an Account Support Specialist.

Log in to your Premium Bank Account, navigate to Account Settings, and then Notifications. From there, you can personalize which text alerts⁶ you would like to receive.

You can change your address by going to the Account Settings page, and then “Update Personal Info”.

A PIN (Personal Identification Number) is a 4-digit numeric code used to identify and authenticate yourself at an ATM or for any PIN-based purchase.

You will set your PIN when you activate your Card. Please remember this number, and do not, for any reason, share it with anyone or keep it with your Card. When you set your PIN, set it to a number that is easy for you to remember, but is not known by anyone else.

**Please note that we will never ask you for your PIN.**

To maintain the security of your Account, from time to time we may require identity verification from you. The documents we will require will depend on the nature of your request and the verification we must perform.

For specific documentation requirements, review the following:

• Name Change:
  To change your name, you will need to send a clear copy of your unexpired government-issued photo ID and an official document supporting the name change (e.g., court record of marriage or divorce, Social Security card, etc.).
• Address Change:
  To update your address, you can use our convenient self-service features within your online account on our website or using the mobile app⁶ by navigating to your Account Settings Personal Information Page and editing your address.If you do not meet the self-service conditions, for updating your address and you are requesting a new card, you may be required to send a clear copy of your unexpired government-issued photo ID, as well as a copy of another document such as a utility bill current within 60 days that reflects the address to which you are requesting the change.
• Date of Birth Change:
  To update your date of birth, you will need to send a clear copy of your unexpired government-issued photo ID and a copy of your birth certificate.Occasionally, in the event that your information cannot be confirmed, you may be asked to send additional documentation to help us verify your identity.
• Phone Number Change:
  To update your phone number, you can use our convenient self-service features within your online account on our website or use the mobile app⁶ by navigating to your Account Settings Personal Information Page and editing your phone number.If you do not meet the self-service conditions for updating your phone number you will be required to send a clear copy of your unexpired government-issued photo ID, as well as a copy of your phone bill to confirm that the phone belongs to you.
• Email Address Change:
  To update your email address, you can use our convenient self-service features within your online account on our website or use the mobile app⁶ by navigating to your Account Settings Personal Information Page and editing your email address.If you do not meet the self-service conditions for updating your email address, you will be required to send a clear copy of your unexpired government-issued photo ID, as well as a second piece of documentation that confirms your identity, such as a signed Social Security card or a utility bill current within 60 days that reflects the physical address associated with your account.The verification documents may be sent to verifyDDA@card.com. Occasionally, if your information cannot be confirmed, you may be asked to send additional documentation to help us verify your identity.

Enrolling in Direct Deposit is one of the most convenient ways to fund your Account, because all (or part) of your pay or benefit payments can be deposited easily and automatically. Not only that, with QuickPay Direct Deposit you can get your paycheck up to 2 days earlier³!

QuickPay Direct Deposit provides faster access to funds based on a comparison of traditional banking policies and deposits of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to the payer's support of the feature and timing of the payer's funding.

To enroll in Direct Deposit, you must either have an employer, receive government benefits, or be receiving a tax refund. Also, the name associated with the Direct Deposit must be the same as the name associated with the customer.

• Employer Paycheck:
  Automatically deposit all (or part) of your paycheck directly to your Account. You will need to give your employer the bank routing number and your Account number (you can find this information on the QuickPay Direct Deposit page when logged in). To log in click here.
• Government Benefits:
  If you are receiving government benefits, you can have them automatically deposited to your Account. You will need to give your benefits provider the bank routing number and your Account number (you can find this information on the QuickPay Direct Deposit page when logged in). To log in click here.
• Tax Refund:
  You can receive your tax refund to your account with Direct Deposit. You will need your routing and account number. Enter your routing and account number in the fields indicated on your tax forms, or when prompted if filing online.

To set up QuickPay Direct Deposit and get paid up to 2 days faster³, provide your completed Direct Deposit Form to your payroll or government benefits provider. Your payroll or benefits payment deposit will be applied when it is received.

QuickPay Direct Deposit provides faster access to funds based on a comparison of traditional banking policies and deposits of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to the payer's support of the feature and timing of the payer's funding.

You may be paid up to 2 days faster³ than you would normally.

QuickPay Direct Deposit provides faster access to funds based on a comparison of traditional banking policies and deposits of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to the payer's support of the feature and timing of the payer's funding.

How early we can provide your payroll or benefits payment deposit depends on how far in advance your payroll or benefits provider initiates the payment file for processing. There are limited windows in which we may process deposit files, but we can assure you that we will process your eligible payroll or benefits payment within the next processing window following receipt of the information from your payroll or benefits provider.

You can find your Account information by going to the QuickPay Direct Deposit page when logged in to the website or in our mobile app⁶.

QuickPay Direct Deposit provides faster access to funds based on a comparison of traditional banking policies and deposits of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to the payer's support of the feature and timing of the payer's funding.

Please contact your employer or government benefits provider for guidance on how to change your Direct Deposit amount.

You'll have access to your money as soon as the funds are electronically deposited into your Account. In most cases, we do not place holds on any Direct Deposit, and you have access to the deposit upon receipt. Direct Deposit capability is subject to the payer's support of this feature.

Check with your payer to find out when the Direct Deposit of funds will start.

There are no minimum or maximum deposit limits for your Account. See your Demand Deposit Account Agreement for restrictions on certain types of deposits. Funds are FDIC insured up to $250,000⁷ through Pathward®, N.A., Member FDIC. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.

There are many convenient ways to add funds to your Account:

• QuickPay Direct Deposit:
  An easy and free¹ way to direct deposit your paycheck or government benefits to your Account. Connect to your employer or payment provider instantly with our automated deposit switch⁵ feature provided by Pinwheel, allowing you to have every paycheck go to your Premium Bank Account two days early³.Connecting instantly will require successful authentication using the verification methods provided by your employer or payment provider. If we are unable to successfully complete the authentication, we will not be able to facilitate the movement of your deposit. In that case, you can download our Direct Deposit form by logging into your Account here and providing it to your payroll or benefits provider.
• Add Cash⁸:
  Add cash to your Account typically within 30 minutes. Bring your Card and your cash to a participating location and add cash with Green Dot®‡ or Western Union®⁵. Visit our Add Cash page to find a location near you by logging into your Account.
• Bank Transfers⁸:
  Add money from virtually any U.S.-issued bank account. If you have a checking or savings account, use it to add money to your Account. Simply provide your routing number and Account number.
• Deposit Check Funds⁵:
  Deposit check funds to your Account using our mobile app⁶, tap the Deposit Check Funds button, and follow the instructions.

Download our mobile app⁶, tap the Deposit Check Funds button, and follow the instructions.

It's easy. Position the camera at a slight angle so there are no shadows on the check. Be sure the check is framed properly so it fits just inside the guidelines-not too far to the left or right. Don't hold the check in your hand. Lay the check on a solid-colored background so that none of the numbers are covered up. Be sure the lighting in the room is good. If the check is too dark, it won't be readable. Finally, make sure the check is not crumpled in any way.

In addition to your traditional printed payroll and government checks, Ingo accepts attorney checks, cashier's checks, handwritten payroll checks, insurance checks, money orders, rebate checks, refund-anticipation checks, and two-party or personal checks. You can't add checks that aren't made out to you, including conditional-endorsement checks, counter checks, credit card checks, customer-appreciation certificates, gift certificates, starter checks, traveler's checks, and warrants. All checks are subject to approval by Ingo in its sole discretion. Fees and other terms and conditions apply to check load services. Visit https://ingomoney.com/tc.html for complete details.

Ingo Money uses systems and technology to protect your personal information and won't share your information with outside parties except as outlined in the Ingo Privacy Policy, or with your permission. To comply with government regulations of the financial industry, Ingo uses your Social Security number only to verify your identity. For more information, go to https://ingomoney.com/privacy.html.

All checks submitted to Ingo are subject to approval. There are several reasons why your check might not have been approved. For instance, if the payee's name on the check doesn't match the name on your Ingo account, if the check was written on a closed account, or if Ingo has had bad checks in the past from the person who gave you the check. Your check may also be declined if the amount of the check exceeds the limits imposed by Ingo.

You decide. If you choose the no-fee option, your funds will be added to your Account in 10 days, as long as the check is approved and not returned unpaid. If you need your money sooner and select to pay the fee, your money will be available if your check is approved after a short review by Ingo that can take as few as 2 minutes or, on rare occasions, as long as an hour.

Ingo Money is a mobile check cashing service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & Conditions and Privacy Policy. Approval review usually takes 3-5 minutes but may take up to one hour. All checks are subject to approval for funding at Ingo Money's sole discretion. Funds for unapproved checks will not be transferred to your Account. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding, or if you otherwise act illegally or fraudulently. Fees may apply for transferring funds or using your Account. See your Account Agreement for details.

Please contact Ingo Customer Service at 229-276-3990.

You can add cash⁸ directly to your Account at ACE Cash Express® CVS/pharmacy® Dollar General® 7-Eleven® Walgreens, and Walmart (not available in VT) stores nationwide using the Green Dot service.

Just ask the cashier to add cash directly to your Account at the register. You'll need your Card. A fee of up to $4.95 applies and is charged by Green Dot. Account limits apply. Please keep your receipt.

You can get cash fee-free¹ from your Account at any time from in-network (MoneyPass) ATMs. Please refer to your Demand Deposit Account Agreement for out-of-network fee information.

The available locations are subject to change. It is important that you use the ATM locator on our website after logging in or use our mobile app⁶ before you make a withdrawal to ensure the location is a participating location.

If you have used an in-network ATM and still see a surcharge fee that has been charged by the ATM provider, please contact Customer Service at (844) 227-3602 and be prepared to provide the date and time of the transaction, the amount, and the name and address of the ATM provider.

If you are unable to find an in-network ATM (MoneyPass) location near you, you can go to any ATM that accepts Visa. Please refer to your Demand Deposit Account Agreement for fees that may apply.

Some merchants, especially gas stations, hotels, and sometimes restaurants, will preauthorize or “hold” an amount that is higher than the actual purchase price. Your preauthorization transactions will appear along with all other transactions in our mobile app⁶ or on your Transactions page in your online account on our website. Please refer to your Demand Deposit Account Agreement to learn more about preauthorization holds.

You can call your company’s customer support number to verify that the payment has been received or check your transaction history online in our mobile app⁶, or in your online account on our website.

With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Account may be “preauthorized” for an amount greater than the transaction amount to cover gratuity or incidental expenses. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. During this time, you will not have access to preauthorized amounts. If you authorize a transaction and then fail to purchase that item as planned, the approval may result in a hold for that amount of funds. You do not have the right to stop payment on an authorized purchase transaction.

• Gas stations:
  Many gas stations preauthorize transactions for amounts up to $100 at the automated fuel pump because they do not know how much gas you will pump in advance of your transaction. If you purchase gasoline as a credit transaction at the pump, a hold amount may be placed on your Account for an amount of $100 or more, which may limit access to your Account balance for up to four (4) days. To avoid such holds, we recommend that you purchase gasoline using a debit transaction or take your Card inside to the cashier and use your Card to pay for the gasoline where you can instruct the cashier of the amount you wish to charge to your Card.
• Hotels:
  When using your Card to make reservations in advance, hotels generally preauthorize an amount equal to an overnight stay, or more, depending on the length of your stay. This will result in a hold on your Account until the merchant sends us the final amount, or the hold expires, whichever comes first. When you arrive, the hotel may place another preauthorization on your Account, often larger than the cost of your stay, to cover possible incidental expenses. If you cancel the reservation or use a different card to settle your stay, please make sure to ask the hotel to cancel the preauthorization, otherwise, the preauthorization will not be dropped until the hold expires
• Restaurants:
  Often restaurants will preauthorize the total amount of your purchase, plus 20%. For example, if your meal is $50, the restaurant may “hold” $60, so you must have $60 available, otherwise your Card will be declined.

CARD may apply an additional percentage to the hold for these merchants and others to cover incidentals. Please refer to your Account Agreement for additional details.

An authorization hold will typically drop off your Account automatically within four (4) days from the date of service or transaction if the merchant does not submit the transaction before that timeframe. Hotel and rental car merchant holds may remain on your Account for up to 30 days from the date of the transaction date. It is important to note that hotel and rental car agencies may add additional amounts for incidentals and may authorize additional amounts based on your length of stay at a hotel or days of rental for a rental car. It is up to you to work with the merchant to release any holds that are no longer necessary if you have completed your stay at a hotel or returned your car rental. We will not release these outstanding authorizations without specific documentation sent to us directly from the merchant.

If you would like to have the authorization hold released early because the transaction was canceled or you have finalized the transaction, please have the merchant send a letter on their letterhead with the following details:

• Account number
• Dollar amount of the transaction
• Authorization code
• Merchant ID
• Date of the authorization
• Reason for the hold release
• For a hotel stay, a copy of the final folio is also required

You can then send this documentation to supportDDA@card.com.

Your preauthorization transactions will appear along with all other transactions in our mobile app⁶, in your online Account on the website, or by calling (844) 227-3602 and following the prompts.

You will be required to provide personal information that will allow us to confirm that you are the same person who ordered the Card.

• Treat your Card like cash.
• Never give your 16-digit Card number to anyone.
• Never give out your PIN.
• Verify the authenticity of retailers you do business with before giving them your Card number over the phone or internet.
• Do not email your Account or Card numbers to anyone on the Internet, even if someone offers you money or “winnings”.
• If an offer seems too good to be true, it probably is.

All of our Cards are currently issued with EMV chips. During the EMV shortage cards were issued without the EMV chip. If your Card does not have an EMV chip, the chip will be included upon reissue. EMV chips are the global standard of authentication technology. They keep your Card and personal information more secure than swiping with magnetic strips.

Yes, we do offer an optional Savings Account⁴ feature. To be eligible, your Primary Account must be active, in good standing, you must have at least $10 to open an optional Savings Account, and you must have received at least one direct deposit from a payroll or government benefits source.

If you are eligible for an optional Savings Account⁴, you will see the option to obtain the Savings Account in your dashboard.

1. Log into your Premium Bank Account.
2. Press the "Add Savings Account" button below your Primary Account Balance. If you do not see the option, you are not currently eligible for the optional Savings Account feature.
3. Transfer at least $10 to open your optional Savings Account.

Please note: You must have a minimum balance of $10 in your Premium Bank Account and have received at least one direct deposit of at least $10 from a payroll or government benefits source in order to open an optional Savings Account.

No, you must have a Premium Bank Account with a balance of at least $10 to open an optional Savings Account. There is only one optional Savings Account per Premium Bank Account allowed.

You can fund your optional Savings Account by transferring from your Premium Bank Account at any time after your optional Savings Account is opened. The initial opening deposit is $10, and once open, there is no minimum ongoing deposit.

There is no limit to the amount of money you can transfer in or out of your optional Savings Account. You can transfer into your optional Savings Account from your Premium Bank Account as much as you like.

The optional Overdraft Protection Service allows you to exceed the balance in your Premium Bank Account and drive your balance negative. Each transaction greater than $5 that exceeds your balance and takes you further negative will incur an Overdraft Protection Service Fee of $15 per transaction. You will have 24 hours from the initial transaction that causes you to exceed your balance to deposit enough money to bring your balance to zero or to a positive balance, and if you do so, you will not be charged any Overdraft Protection Service Fees.

Once you have opted into the optional Overdraft Protection Service, you are also eligible for Courtesy Coverage. Courtesy Coverage allows you to overdraw your Account up to $10 at no charge. An Overdraft Protection Service Fee is not charged until the first transaction that causes the negative balance to exceed $10. No Overdraft Fee will be charged on any transaction of $5 or less even if the transaction overdraws the Account by more than $10.

To qualify for the optional Overdraft Protection Service, you must opt-in, receive at least (2) Direct Deposits to your Account, receive at least $600 in Direct Deposits in the prior 14-day period, and have a positive balance. For initial eligibility, your Premium Bank Account must be open for at least 35 days. You must also agree to the Overdraft Protection Service Account Agreement. You may agree to the Overdraft Protection Service Account Agreement before you are qualified, but you will not have access to the optional Overdraft Protection Service, including the Courtesy Coverage until you have qualified. Should you agree to the Overdraft Protection Service Account Agreement and opt-in to the optional Overdraft Protection Service before you have met the qualification criteria, we will notify you via email once you have met the qualification criteria. You must maintain at least $600 in Direct Deposits every 14 days to become and remain qualified for optional Overdraft Protection.

To view your Agreements, opt-in to the optional Overdraft Protection Service, and see if you are already qualified for the optional Overdraft Protection Service, log into your online account on our website or our mobile app⁶ and navigate to the optional Overdraft Protection Service page.

Log in to your online account on our website or in our mobile app⁶ and navigate to the Account Settings page and select the optional Overdraft Protection Service. Select Opt-out.

While you may elect to opt-out of the optional Overdraft Protection Service at any time, any pending authorization(s) will still incur a fee(s), but deactivation will be immediate, and no new transactions will be approved that will cause you to become overdrawn or further overdrawn under the optional Overdraft Protection Service.

You will remain responsible for any negative balance(s) on your Account and agree that any credits or deposits made to your Account will be used to offset any negative balance(s), if any before the deposit is made available to you.

Yes. You can elect to have the optional Overdraft Protection Service enabled at a later date. However, you will have to meet the optional Overdraft Protection Service qualification criteria again. To enable the optional Overdraft Protection Service, you will have to have received $600 in Direct Deposits for the prior 14-day period and have a positive balance at the time you elect to re-enroll.

Our Bill Pay Service allows you to pay your bills directly from your online account on our website or using our mobile app⁶. You can pay common bills like your cable, internet, utilities and credit card bills, or you can pay an individual such as your landlord for your rent.

1. From the Move Money menu, select Pay Bills.
2. Enter your account number from your bill and the name of the biller you wish to pay.
3. Follow the instructions on the form. You will need to enter the amount of the payment you wish to make.
4. Submit the payment.

1. From the Move Money menu, select Pay Bills.
2. Select “Add Biller”, then select “Can’t find your biller? Add them here”.
3. Enter the unlisted biller’s information including company if applicable, full name, and delivery address.
4. Enter the amount to pay and submit the payment.

We do not support future payments at this time. When you request a bill payment, the processing of the payment transaction, will begin and the debiting of your Account may occur as early as the day of the request.

There is no cost¹ to schedule and send payments using the Bill Pay Service. However, there is a fee if you request us to stop payment on a check sent to an individual or unlisted biller. Please ensure that the details of your payment are accurate before you submit your payment. Consult your Demand Deposit Account Agreement for details on stop payment fees.

If you do not have sufficient funds, the payment will not be sent. We will notify you via email if a payment has not been sent due to insufficient funds.

To pause your Card, your Card must be in an active status. If your Card is active, navigate to the Manage Cards page in your web dashboard or mobile app⁶ click the three dots to access the actions menu, choose “Pause Card”, and select “Pause My Card” to confirm.

You can Unpause your Card at any time by selecting Manage Cards, selecting Unpause Card and then selecting Unpause My Card to confirm.

If you suspect your Card is lost but are still looking for it and do not wish to report it lost yet, “Pause Card” will help prevent new transactions from being initiated while you look for it. Once you have confirmed that your Card is lost, please report it lost or stolen via our website, mobile app⁶, or by calling customer service.

If you are going on a trip and plan to leave your Card at home, or simply plan not to use your Card for some time, consider pausing it until your next usage. That will keep your Account secure.

When you pause a Card, your Card will be suspended from performing any new transactions initiated after you’ve paused your Card. This includes using your Card for online shopping, in person at a register, or at an ATM. If you attempt to use your Card while it is paused, the transaction will be denied.

The “Pause Card” feature will NOT decline a transaction originating from your mobile wallet. If your Card has been added to your mobile wallet, it can still be used for transactions originating from the mobile wallet even if the Card is paused.

Lastly, the “Pause Card” feature will not prevent transactions that have already been initiated before the Card was paused. For example, if you made a purchase online, and the transaction is authorized, pending settlement, the “Pause Card” feature will not stop the merchant from submitting the transaction for payment.

With RapidAlerts, you can stay in the know, even on the go. You can receive customizable alerts on your transactions, available balance, and even fraud alerts. We keep you apprised of the most up-to-date information on your Account so that you don't ever have to wonder.

You can set up email and SMS alerts⁶. Choose which alerts are best for your lifestyle or opt-in to both for maximum visibility.

First log into your online Account on our website or in our mobile app⁶. Then navigate to the Communications page in your Account, and select the types of messages you wish to receive via email and SMS⁶.

If you opt-in to risk and fraud alerts via SMS⁶, we will send you a text message the moment we recognize any unusual activity on your Account. In most cases, you will be given a chance to confirm whether you recognize the transaction(s) or not. If you confirm the transactions are yours, we will allow you to proceed without any actions taken on your Card. This prevents us from blocking your Card and causing you any inconvenience while trying to make a purchase. If you let us know you don't recognize the transactions, we will put a hold on your Card and/or Account right away so you are not subject to further unauthorized transactions, and walk you through what to do next.

Open your eWallet app^6®(Apple Pay®, Google Pay™, or Samsung Pay).

Follow your app’s instructions to add a new credit or debit card. Have your Card handy.

Input your Card information (16-digit Card number, 3-digit security code from the back of your Card, and your expiration date). Confirm the information.

Once your app has verified your Card information, you can use it at any merchant enabled for your eWallet service.

eWallets use Near-Field Communication (NFC) technology or Magnetic Secure Transmission (MST) to make payments. By tapping your NFC-enabled device on a card reader terminal at the merchant, the terminal reads and writes to the NFC chip in the device.

Magnetic Secure Transmission (MST) allows for the phone to be used for contactless payments at mag stripe terminals. It creates a magnetic field to communicate card information to the terminal – as if a card was being swiped – but through a tap of the phone.

Yes, eWallets increase transaction security through the use of a token. A token serves as a replacement for a physical 16-digit card number, or Primary Account Number (PAN) for use in digital payment transactions. Tokenization adds an additional layer of defense against fraud by masking your true card number. This can help reduce fraud because actual debit card numbers are not transmitted with the payment. Tokens, along with additional dynamic data, are used to process the payment securely.

You will see a tick mark with a success message on your device regardless of whether the transaction is successful or declined. If the terminal or clerk informs you your transaction was declined, it did not go through.

You can suspend/delete token through your carrier’s service. Please contact them immediately.

Yes, you will be able to see a history of transactions you’ve made on your device.

You can have up to eight cards on any Apple device.

Apple Pay can be used at millions of grocery stores, boutiques, restaurants, and hotels that have NFC-enabled terminals that are updated to accept Apple Pay. Apple Pay can also be used online within Apps. For a list of merchants, please visit the Apple website: https://www.apple.com/apple-pay/where-to-use/.

Apple Pay requires an internet connection for setup but does not require an active internet connection for a transaction at a merchant, as the token is stored on the device.

1. Open the Watch app on your iPhone, and go to the My Watch tab. If you have multiple watches, choose one.
2. Tap Wallet & Apple Pay.
3. Follow the steps to add a card. If a card is already on your iPhone, tap Add next to the card. To add a new card, tap Add Credit or Debit Card and enter your Card information.
4. Tap Next. Your Card information will be verified.
5. After your Card has been verified, tap Next. You may then start using Apple Pay with your Apple Watch.

To use your default card within the wallet, double-click the side button and hold the display of the Apple Watch within an inch of the contactless reader. You should then feel a gentle tap.

If prompted at the terminal to provide the last four digits of your card, use the Device Account Number. For the Apple Watch, open the Watch app on your iPhone, tap Wallet & Apple Pay, then tap the card to see the Device Account Number.

Samsung Pay will work with almost all point-of-sale systems, including magnetic stripe and EMV terminals for chip-based cards.

Samsung Pay will not work with readers where you need to physically insert your card into a slot such as those found at gasoline stations and on an ATM.

Yes, although you will only be able to make 10 payments without the device being on Wi-Fi or cellular data. They will also need to have an active internet connection to add a card and to access transaction history.

There is no limit to the number of cards you may have on the Google Pay wallet.

Google Pay can be used at millions of grocery stores, boutiques, restaurants, and hotels that accept Google pay. For a list of merchants, please see the Google Pay website: Where to Use Google Pay.

Yes, although you will only be able to make 10 payments without the device being on Wi-Fi or cellular data. They will also need to have an active internet connection to add a card and to access transaction history.

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