The FasterMoney Discover Prepaid Card is more than just a way for you to receive your tax refund. It’s a reloadable prepaid card account with low fees that you can use all year long. It can be used at stores, online, to pay bills and to get cash at ATMs.  Best of all, Direct Deposit your paycheck or benefits check for free²  and avoid costly check cashing fees! Because this is a prepaid card, there is no risk of overdraft fees.

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷ .

No, this is not a credit card. A credit check is not required to get a card, though you are subject to identification verification⁷ .

In order for your Card to be fully verified, you would have provided Pathward either online or by phone or given to your tax preparer, key identifying information like name, address, phone, DOB and SSN⁷ . There are certain thank you or bonus cards that are given to consumers that have a limited amount of money on them and are not considered “identity verified”. Those cards cannot be used outside of the U.S. and cannot be reloaded.

It’s easy to enroll. When you open a card, we will ask for your name, street address, date of birth and other information that will allow us to verify your identity. We may also ask to see a copy of your driver’s license or other documents at any time. 

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷ .

You need to be 18 years old to get a FasterMoney Card.

Yes, each month a $4.95 monthly fee is charged. See fee schedule for more details.

Note: Each month that you have $500 or more in direct deposits to the Card, the monthly fee will be waived for that month.

If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only if a tax refund is being deposited to the card⁷.

Yes; some limits apply. For more detailed information, please refer to the Cardholder Agreement.

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed.

Allow seven (7) to 10 business days from the date you ordered the card until the day it arrives in the mail.

No; you’ll need to activate your card for security purposes. You can call the number on the back of your card to activate your card and setup your 4 digit PIN. Your PIN must be setup in order for you to make debit and ATM transactions with your card.

You can use your card everywhere Discover^® cards are accepted worldwide. There are some restrictions for fraud protection. See your Cardholder Agreement for specific information.

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

Yes; after you set up a 4-digit PIN you can withdraw cash from ATMs. You can set up your PIN by calling the number on the back of your Card. For fees associated with ATM withdrawals, see Cardholder Agreement⁶ .

If you forget your PIN, you will need to call Customer Service at the number on the back of your card and you can reset your PIN through our automated call system.

The merchant may have attempted to process the purchase for a greater amount than what is available on the card. If a purchase is for more than your available balance, you may be able to perform a “split-tender transaction,” which means using multiple payment methods to pay for your transaction, as further described below.

Note: Download our Manage My Card app³ so you know your balance at any time.

If you wish to use your FasterMoney Card to make a purchase for more than your available funds, depending on the merchant’s policy, you may be able to use your card toward a portion of the final purchase price and then use another form of payment to pay the remaining balance. This is called a “split-tender transaction,” because you are splitting the final transaction amount between your card and another form of payment. Before you request a split-tender transaction, you will need to know your card balance. Then, you must ask the merchant if two forms of payment will be accepted. If the merchant agrees, request that the amount on your card be used as the first form of payment, and then use another form of funds to pay the remaining balance. Some retailers will only allow a split-tender transaction if the second form of payment is cash or check. Online and most mail-order merchants do not permit split-tender transactions. We do not guarantee that merchants will accept two forms of payment, such as two prepaid cards.

Since this is a prepaid card, you may only use the amount of funds you have available on your card. If you create a negative balance on your card, you are responsible for repayment of the negative balance. Some merchants can run a split-tender transaction, which will allow you to pay a portion of your purchase with your card and the remaining balance with another form of payment.

There are no overdraft fees because you can only spend what you load on the prepaid card.

Yes; you may use your card at a restaurant the same way you would at any other merchant. However, it is common for service-oriented merchants to automatically factor in an additional percentage (often times as much as 20 percent more than the purchase price) to cover any gratuity you may leave on the card. You should ensure that your card has an available balance that is 20 percent greater than your total bill.

Yes; you can rent a car with your card. However, the merchant may put a pre-authorization on the card to hold the reservation, and it may be for much more than the amount of the car rental to cover the cost of gas, car damage, etc. While that pre-authorization is in place, you will not have access to those funds. We recommend that you speak to the car-rental merchant to understand how it handles reservations before using your card to rent the car.

Like restaurants and other service-oriented merchants, companies associated with travel services may automatically factor in an additional percentage to cover incidental charges that you might incur. Each merchant varies in the amount it is able to over-authorize. To prevent a decline of your card, we advise you to check with the merchant in advance of making the transaction to determine its policy for over-authorizing.

Your card can be used at automatic fuel dispensers. However, an authorization amount, which could be as much or more as your final gas purchase, will be added to your account. This authorization may remain on your account for several days. To prevent this, we suggest that you pay for your gas at the service station counter.

Adding money to your card is easy.

• Add money for free² via direct deposit.
• Load cash at thousands of participating retailers. (Fees may apply.)
• Load checks using the Manage My Card app on your mobile phone.^3 4 

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

Direct deposit is the ability to have your paycheck or government benefit check automatically loaded to the card.

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

Paychecks, tax refunds, pensions and government benefits like social security are examples of the types of checks that can be direct deposited. Ask the organization issuing your regular checks whether it can set up direct deposit. To obtain the routing and account information you need to share with an employer, tax preparer, etc to set up direct deposit, log into your online cardholder account at the website on the back of your card and go to the Direct Deposit link.  

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

1. Fill out a direct deposit form – have all or part of your paycheck deposited directly to the card.
2. Submit the form to your employer, government benefit provider or the organization that makes payments to you.
3. Sign up to receive load alerts – set up text or email alerts from your online card account to easily track your loads. There is no charge for these alerts, although regular text-messaging rates may apply from your carrier.

Note: It can take a couple of pay periods for direct deposit to take effect. You will continue receiving your paycheck as usual until the direct deposit is processed.

If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

There is no fee for direct deposit².

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

The maximum balance you can have on your card at any time is $15,000. To see daily limits, see your Cardholder Agreement.

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

You can add cash at many participating grocery stores, pharmacies, Green Dot and Western Union locations.

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

You can load check funds to your FasterMoney Card anytime, anywhere with the Manage My Card app.⁴ If your check is approved, you can access your money in minutes for a fee or within in 10 days at no additional charge. And once your card is funded, the money is yours to keep and available to spend. No check-cashing lines. Whether it’s a paycheck, a personal check or almost any type of approved check (excluding checks that are not made out to you, conditional-endorsement checks, counter checks, credit-card checks, customer-appreciation certificates, gift certificates, starter checks, traveler’s checks and warrants), endorsed by you and approved by Ingo for funding, you are able to load your check funds.^3 4

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

The Manage My Card app³ is available in the App Store for iOS devices or the Google Play Store for Android devices.

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

Loading a check to your card in the Manage My Card app^3 4 is easy:

1. Sign into the Manage My Card app.
2. Tap “Load Check Funds.”
3. Follow the on-screen prompts to submit your endorsed check.
4. Choose when you would like access to your funds.

All checks subject to review before approval. Fees and data rates may apply. Refer to your Cardholder Agreement for more details.

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed.

Having your tax return loaded directly to your Card is easy and fast. When you fill out your tax return, simply enter your card routing and account number in the space provided on your tax form. Or provide that information to your tax preparer. Note that for direct deposit and tax refund purposes, your card is designated as a "checking" account, check that box on your tax form.

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

We do not have the status of your tax refund. If you have not yet received your refund and would like to check the status, please visit the IRS web site at www.irs.gov and select "Where’s My Refund" or call the IRS Refund Hotline at (800) 829-1954.

For information about your state refund, please contact your state government agency.

No. In accordance with IRS guidelines you can direct your refund to your card; you cannot direct your refund to someone else’s card. If we receive a tax refund intended for individuals other than the cardholder, the refund will be rejected and/or your card may be blocked, pending additional verification.

Daily withdrawal and cash limits apply. See your Cardholder Agreement for limits.

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed. For more information on identity verification, click here for Discover, click here for Visa.

You can use the FasterMoney card that your tax preparer gave you everywhere Discover^® cards are accepted in the United States. If you’d like to withdraw cash from an ATM, you would need to call the number on the back of your card to set up a 4-digit PIN number.

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

In order to have your tax refund loaded to your My FasterMoney Card, you will need to set that up with your tax preparer’s office.

Yes, if you load your Card with one additional load other than a tax refund, you qualify for free² in-network ATMs⁶ . Non-tax direct deposits and cash loads qualify.

Note: If you obtained your Card through your tax preparer, certain functions such as reloading and usage outside of the United States are available only after identity verification has been completed⁷.

To see the fees associated with your card, see your cardholder agreement. Click here.

Yes, some limits apply. To see the limits associated with your card, see your cardholder agreement. Click here.

You can withdraw cash from participating ATMs.  Plus you can withdraw cash at banks over the counter or get cash back at grocery or drug stores that allow cash back. To see the limits associated with your card, see your cardholder agreement.

For any questions specific to your tax refund please talk with your tax preparer, call the IRS hotline at 800-829-1954 or visit irs.gov/refunds.

Pathward does not have any specific information on the status of your refund.

• To check the status of your refund, call the IRS hotline 800-829-1954 or visit irs.gov/refunds.
• Register to receive a text alert³ the minute your refund hit your Card through your online card account at the website listed on the back of your card.

You will receive an instant issue card from your tax preparer when you fill out your forms in your tax preparer’s office.  It will not have your name embossed on the face of the Card.  However, you can use the Card and reload the Card.

If you reload your Card with one non-tax load (cash, direct deposit or check) we will send you a new Card personalized with your name embossed on it. When you receive your personalized card, simply call to activate the personalized card and all of the funds and direct deposit information associated with your instant issue card will roll over to the new card. Destroy your original instant issue card.

You can: check your balance, view transactions, set up account alerts³, load checks, find cash reload locations and locate fee-free² ATMs⁶ .

App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

The security of your user profile information and account information is very important to us. We know it is just as critical to you. We store your information in systems designed to prevent unauthorized access by others and we only share your personal information as set forth in our Privacy Policy

Yes. You can use the same login information you currently use at managemycard.com when using the Manage My Card App.

Simply log in to the Manage My Card app, continue to the main menu and tap Setup Alerts³. You can choose the Account Alerts to notify you via email or text message of low balance, when funds are loaded, and authorization of approved and declined transactions.

Yes. You can access your account from any Android/iOS device that the Manage My Card app is downloaded.

No. Manage My Card App is free³ to download. Your mobile carrier may charge access fees depending on your individual plan. Check with your carrier for specific fees and charges.

Once you’ve selected the Manage My Card app from your device’s app store, you’ll be guided through the steps for downloading³ to your device.

The Manage My Card App is available for download³ from the App Store℠ for iOS devices or from the Google Play™ Store for Android devices.

To create a profile for your FasterMoney Card, you will need the card number, date of birth of the primary cardholder and the card security code. Once your card is validated, you will create a user name and password.

Note: If you received your Card as a thank you from your tax preparer; we will not have your date of birth on file. You will need to call the number on the back of your Card and ask an agent to add your date of birth to the Card information on file before you can set up a profile.

You can change your user name and/or password by logging into the managemycard.com Account Center and visiting the “Profile” link at the top of the page.

To change or update your email or mailing address, you will need to select the product you wish to change or update. Click the appropriate link within the menu, and it will provide additional information and instruction on updating those. Please note, each product is a little different so you may need to do this for each bank product you have.

You can change or set email or text alerts (if available) by clicking the “Alerts” link under the “Quick Links” section on the particular product for which you wish to set up alerts. Each product provides different options for alerts and needs to be set up and managed separately.

You can reset your online password and username by clicking "I forgot my username/password" on the main menu on managemycard.com.

Call the customer service number on the back of your card and follow the prompts in the IVR to set your PIN. You can also set your PIN by visiting the "Change PIN" link via the Account Center menu.

You can reset your PIN by calling the customer service number on the back of your card and follow the prompts in the automated phone system.

You can get your balance and a list of all your transactions by logging into the Account Center and visiting the “Transactions” menu and logging into managemycard.com or by calling the customer service number on the back of your card. To check your balance on the website, you must first create your online account and profile.

You cannot close your account online. You will need to call Customer Service at the number on the back of your card to close your account. You may also write us at FasterMoney, P.O. Box 91607 Sioux Falls, SD 57109.

If your FasterMoney Card has been lost or stolen, call Customer Service at the number on the back of your card, or by calling 1-855-638-2226. A live agent will walk you through obtaining a replacement card. For card replacement there is a $9.95 fee. It may take seven (7) to 10 business days to receive your replacement card.

Yes, with the FasterMoney Card you have Discover^® Zero Liability protection⁵. You will not be liable for any unauthorized transactions if you follow the procedures outlined in your Cardholder Agreement. Cardholders must notify the card issuer promptly of any unauthorized use. Consult your Cardholder Agreement for additional details.

Yes; if your card is registered (meaning you provided key personal identification information like address, DOB and SSN), all funds loaded to your card are held in an account and are insured by the Federal Deposit Insurance Corporation, subject to applicable limitations and restrictions of such insurance.

Call us at the number on the back of your card or write to us at P.O. Box 91607 Sioux Falls, SD 57109, immediately if you think an error has occurred on your card account. For more details, see your Cardholder Agreement.