Account Holds and Dispute Help

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Who can I talk to if I don't understand or agree with my balance?

Call us if you have questions regarding your balance.

How do I dispute charges on my prepaid account?

If you see a charge that you don't recognize, call us to file a dispute. Have the transactions details available when you call. Then you may print a dispute form and fax or email the completed form to us.

Why does my prepaid account have a hold?

Holds are placed on signature-based transactions like rental cars, hotels and some restaurants.

Why do I have a hold on my account balance after purchasing gas?

If you purchase gasoline using a credit transaction some gas stations may place a hold on your account for approximately $126 or more which may limit access to your account balance for up to 5 business days.

To avoid such holds, we recommend that you purchase gas using a debit transaction. Simply swipe your card at the pump or take your card inside to the cashier and use your card and PIN to pay for the gas using a debit transaction.

Why is my hold greater than my purchase?

Some holds are placed on your funds in an amount higher than the actual service. This does not mean a merchant is charging you more; it is to ensure sufficient funds are available in case additional charges need to be applied, such as late fees or damage fees.

How long do holds stay on my prepaid account?

Holds usually fall off your prepaid account automatically in approximately 5 business days from the date of service. Hotels and rental car merchant holds may take longer depending on policies.
  • If there is no charge on your card yet: Please give the merchant time to process the charge. This usually takes 5 days.
  • If there is still a hold after the actual charges were posted to your card: Temporary holds usually take 5 days to clear after the charge is posted. If the hold is still present after 5 days, contact customer service for assistance.

How do I release a hold on my prepaid account?

All holds automatically drop off; you don’t need to do anything. The time varies depending on the merchant. To release an authorization early, we’ll need a fax from the merchant. Call us for details.

I just added money to my prepaid account for the first time and the balance shows an amount less than what I added, what happened to my money?

There is an Activation Fee (applied at First Load of Card) of $4.95 for the AccountNow Classic Prepaid Visa Card. Once you load your card your Monthly Fee will begin. See our pricing & fees for more details. There is no account set up or activation fee for the AccountNow Gold Visa Prepaid Card.

Why did I receive an AccountNow card in the mail with my name on it?

We send personalized cards to customers who sign up for our cards. In addition, we periodically send marketing offers to potential customers via postal mail which may include a personalized prepaid card. In the case of a marketing offer, the card is not active and cannot be used unless you activate it by providing information to open the account, such as your Social Security number, date of birth, and contact information. This is not a credit card and no credit report was obtained to make this offer. If you received an AccountNow prepaid card in the mail you can either activate the card account or destroy the card if you are not interested in the offer. If you feel that you received the offer in error and would like to speak with an AccountNow representative, please call AccountNow Customer Service at 800-708-7166.

Why did I receive an automated voice message from AccountNow?

You may have received an automated phone call when you signed up for an Accountnow prepaid card. We place courtesy calls to new customers to let them know their card is being shipped and give them helpful "getting started" tips. If a prospective customer entered an incorrect phone number in their application, the message would go to an unintended phone number. If you did not sign up for a card and believe you received a call in error we can remove your number from our call list by calling 800-708-7166.



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





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AccountNow, Inc. is a BBB Accredited Financial Service in San Ramon, CA


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. Eligibility Requirements.

There is no additional charge for this feature. Fees apply to your use of 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 second 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.

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.

AccountNow is a trademark of AccountNow, Inc. All other trademarks, service marks and other registered marks are the property of their respective owners.
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