Reloadable Cards

You can use your card everywhere Visa debit cards are accepted worldwide. Plus, your card can also be used for online and phone purchases when registered.

Your card is reloadable for the life of the card and you can reload your card up to three times per day.*

• Direct Deposit: When you login to the Card Portal, click the "Direct Deposit" table to retrieve your routing and account number to provide to your employer or funds provider.
• Mobile Money Deposit: Simply snap a photo of a 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 ingomoney.com/tc.html for complete details.
• In-Branch: Visit any CB&T location to load funds in-person.
• Western Union Locations: Find participating US locations by visiting WesternUnion.com.
• Green Dot Locations: Find participating US locations by visit AtTheRegister.com

*Fees may apply. See Cardholder Agreement for details.

** Third party phone and data rates 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 three- to five-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 you card or account. See your Cardholder or Account Agreement for details.

Call 855-887-1835 and the automated system will provide easy instructions on how to change your PIN.

You can withdraw cash from terminals carrying the Visa brand mark. All you need to do is select "Checking" from the withdrawal options. Some merchants also offer cash back at the point of sale - you can use your PIN to take advantage of this option. Or if you are located near a CB&T location, feel free to come in and withdraw cash there. All of these options are subject to transaction fees. Please reference your Terms and Conditions for the associated fees.

The daily cash withdrawal maximum is $500 at an ATM and $2,500 for an over-the-counter withdrawal. There can only be three cash withdrawals in 24 hours. See the Terms and Conditions for more details.

You can download Manage My Card* app either from the Apple App Store for iOS devices or from the Google Play Store for Android devices.

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

*Third party phone and data rates may apply.

You can get your card balance and a list of all your transactions by logging into YCNcard.com or Manage My Card app* or by calling 855-887-1835.

*Third party phone and data 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 YCNcard.com/prohibited-countries.

*Foreign transaction fees apply - See Cardholder Agreement for details.

There are some fees to keep in mind. Take a look at the Cardholder Agreement that you received with your card for applicable fees. If you have questions about fees, feel free to call 855-887-1835.

Yes, but keep in mind many service-oriented merchants automatically factor in an additional percentage to cover any gratuity you may leave or incidental charges 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 $100 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.

Let us know! If you notice transactions on your account that you have not made, call 855-887-1835 immediately. A live agent will follow a standard dispute process to investigate the fraudulent transactions and help remediate the situation.

If your card has been lost or stolen,* call 855-887-1835. A live agent will walk you through obtaining a replacement card. Keep in mind, there will be a $10 fee assessed to your card balance to replace your card. It may take up to 10 business days to receive your replacement card. 

*Cards are FDIC insured.

Prepaid Card is issued by Pathward, N.A. Member FDIC, pursuant to a license from Visa U.S.A. Inc.