What is Direct Deposit?

Direct deposit is a service that allows you to authorize your employer or benefits provider to electronically send your pay directly to us for deposit into your prepaid account. Plus, you may get paid up to 2 days faster!

How do I setup Direct Deposit?

  1. Ask your employer or benefits provider if direct deposit is available.
  2. Login to your prepaid account and click the 'Add Money' tab.
  3. Click your paycheck type and follow the instructions on the next page

Where can I get a Direct Deposit form?

  1. Login to your prepaid account and click the 'Add Money' tab.
    1. Click 'Paycheck' if you will be receiving a payroll check from your employer.
    2. Click 'Benefits' if you will be receiving your paycheck from a benefits provider, such as Social Security.
  2. Once you select your paycheck type, you can choose to print the direct deposit form, email it to yourself (for payroll checks only), or enroll online with your benefits provider.

How do I find my routing and account numbers?

  1. Login to your prepaid account and click the 'Add Money' tab.
    1. Click 'Paycheck' if you will be receiving a payroll check from your employer.
    2. Click 'Benefits' if you will be receiving your paycheck from a benefits provider, such as Social Security.
  2. If you chose 'Paycheck', you can either print your direct deposit form or email it to yourself. Which ever you choose, your routing and account number will be included on the form.
    If you chose 'Benefits', your routing and account number will be displayed on the following page.

If I setup my Direct Deposit, how long will it take to start working?

Generally, it takes 1-2 pay periods for your employer or benefits provider to start depositing your check in your prepaid account.

Am I eligible for Direct Deposit?

Yes. Most employers and benefits providers offer direct deposit as an option to get your money. Check with your employer or benefits provider to verify.

When will the money from my payroll check be available with Direct Deposit?

Direct Deposit is the fastest way to get paid and avoid the hassles of dealing with a paper check. With Direct Deposit your funds are electronically deposied into your card account so there's no waiting for a check to clear. Once you set up Direct Deposit with your Employer or Benefits Provider, AccountNow will process deposits as soon as they are received-which may be up to 2 days faster than you would normally receive a check from your employer or benefits provider.

How much does Direct Deposit cost?

AccountNow offers direct deposit at no cost. This service is easy to set up and a convenient way to access your cash immediately without paying check cashing fees.

Can I use Direct Deposit to deposit my tax refund?

Yes. You can direct deposit tax refunds or other one time payments from institutions that offer direct deposit. Use the routing number and Direct Deposit Account (DDA) number provided on your direct deposit form. There is a Direct deposit limit of $10,000, so if you expect your tax refund to be more than $10,000 you should not set up direct deposit because the deposit will be refused.

How do I qualify for the $15 Direct Deposit bonus?

To qualify for the $15 Direct Deposit bonus, within 6 months after being approved to receive a card you must deposit at least $500 in qualifying deposits per month via recurring Direct Deposit in two or more consecutive months. Also:
  • You must Redeem your $15 bonus offer before your bonus is credited.
  • Direct Deposit must be active to receive bonus.
  • You can Redeem your bonus once you have activated your AccountNow Card and have met the Direct Deposit requirements. When you login to your account online there will be a notification under the ‘Get a $15 Bonus’ link once you are eligible to redeem your bonus.
  • Call our toll-free Direct Deposit bonus Redemption number, 877-553-3767, and follow the prompts.
  • A recurring Direct Deposit must be set up from your payroll or benefits provider. PayPal, loan, balance transfers, merchant deposits and tax refund transactions do not make you eligible for the bonus.
  • Bonus must be redeemed within 30 days of meeting Direct Deposit bonus eligibility requirements. Offer will expire after the 30days. You cannot redeem this offer until the requirements are met.
  • Only one bonus is payable per account.
  • Bonus is not available if you received a Direct Deposit bonus from a previous offer.
  • If you upgrade or change to a different AccountNow Card product and receive a new AccountNow Card, you are not eligible for the bonus if you had been on Direct Deposit at any time while your former card was in effect.
  • If you upgrade or change to a different AccountNow Card product and receive a new AccountNow Card, and you had never been on Direct Deposit at any time while your former card was in effect, you are eligible for the bonus if you meet the requirements; the date you are approved to receive the new card will be used for purposes of the bonus offer.
The $15 Bonus will be posted to your account within 15 days after redeeming the offer at 877-553-3767 if all eligibility requirements are met and your direct deposit is still active.

What happens to my Direct Deposit if I change jobs?

The payments from your previous job will stop automatically. To restart direct deposit with your new employer, fill out another direct deposit form, sign it and hand it to your new employer.

How will I get paid up to 2 days faster?

Direct Deposit is the fastest way to get paid and avoid the hassles of dealing with a paper check. With Direct Deposit your funds are electronically deposited into your card account so there's no waiting for a check to clear. Once you set up Direct Deposit with your Employer or Benefits Provider, AccountNow will process deposits as soon as they are received-which may be up to 2 days faster than you would normally receive a check from your employer or benefits provider. Learn More.



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100% Approval subject to ID verification*
No Credit Bureau Check
$15 Direct Deposit Bonus§





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AccountNow Gold Visa Prepaid Cards and AccountNow Prepaid Visa Cards are issued by The Bancorp Bank or MetaBank® pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. The AccountNow Prepaid MasterCard (Classic) is issued by MetaBank pursuant to license from MasterCard International Incorporated and may be used everywhere Debit MasterCard is accepted. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Funds are FDIC insured through the Issuer to at least $250,000. Please see the back of your card for its issuing bank. The Bancorp Bank and MetaBank, Members FDIC.

*IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

**The Visa Zero Liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or other certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

***Conditions and exceptions apply – see Cardholder Agreement.

§This offer is available to all AccountNow Gold Visa Prepaid Card customers. To qualify for the $15 direct deposit bonus, within 6 months after being approved to receive a card you must deposit at least $500 in qualifying deposits per month via recurring direct deposit in two or more consecutive months. Bonus must be redeemed by phone at 877-553-3767 within 30 days of meeting qualifications. Please see help for eligibility and redemption requirements.

There is no additional charge for this feature. Fees apply to the prepaid card. See your Cardholder Agreement for fees, terms and conditions.

Applies to customers with recurring direct deposits, and will be effective after the first direct deposit is received. Faster access to funds is based on comparison of traditional banking policies versus eligible electronic direct deposit. Direct deposit and early deposit capability is subject to payer's support of the feature and timing of payer's funding.

This is not a credit card. Subject to ID verification.

Ingo Money Disclaimer: Ingo Money is operated by Ingo Money, Inc. and all check funding services are provided by First Century Bank, N.A. (collectively, "we", "us" or "our"). Use of Ingo Money is subject to the Ingo Money and First Century Bank Terms and Conditions, and the information you send to us is subject to the terms of our Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to an hour. All checks are subject to approval for funding in our sole discretion. Unapproved checks will not be loaded to your card. We reserve the right to recover funds from bad checks if you knew the check was bad when you sent it, if you attempt to cash or deposit it elsewhere after funding, or if you otherwise act illegally or fraudulently. App Store is a service mark of Apple, Inc. Google Play is a trademark of Google, Inc. Data rates may apply.

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