Paycards expire every few years and require replacement. I may be compensated through 3rd party advertisers but our reviews, comparisons, and articles are based on objective measures and analysis. The employer can view the employees' account number and routing number in the portal. You may also be prevented from crediting funds to your Card Account if you have not met the requirements for adding funds to your account as specified by your Cardholder Agreement, which may include registration of your Card Account, completion of identity verification by NetSpend, or other requirements. You will need to pay $9.95, if you need a card replacement. Card may be used everywhere Debit Mastercard is accepted. If any provision of these Terms and Conditions is held to be invalid or unenforceable, the remaining provisions will remain in full force. Netspend is the federally registered U.S. service mark of Netspend Corporation. Which government payments can I have directly deposited into my Brink's Money Prepaid Card Account. Bank and Ingo Money (and not Google or Apple) are solely responsible for the Ingo portion of the Brinks Money Mobile Banking app, all intellectual property rights and related claims associated with this app, your use of this app, the services provided herein, all representations and warranties, all support hereunder, and all claims and liabilities related to the use or possession of this app or any services provided hereunder. How does an employer enroll an employee into the Brink's Money Program? Log in to your Brink's Services. All rights reserved. If you have exceeded your limits or failed to meet any other requirements of NetSpend, Ingo or NetSpend may decline the credit of funds to your Card Account. If you havent already, download your institutions mobile banking app. How did you acquire my contact information for the offer mailing? No late fees or interest charges because this is not a credit card. We do not guarantee the permanent availability of Ingo, including, but not limited to, the availability of the systems of affiliates, Ingo Money, Bank or other parties. How do I find the routing number and my account number to enroll in Direct Deposit? On the first day of the new billing cycle, you will be billed in full from your Brink's account balance at the new plan rate. Using your banks mobile check deposit feature is fairly simple. To opt out of future mail offers, call 877-849-3249, e-mailbrinksprepaid@netspend.com, or write to: NS Consumer Opt-Out, P.O. Approval of Enrollment; Ongoing Use; Contact. What Are Different Types of Credit Cards? Will I Be Notified When a Policy is Violated? If you have questions regarding a transaction using Ingo, please email Ingo at help@ingomoney.com, or call Ingo at (229) 276-3990. Some fees may be charged depending on how you use the card. ACH Reversal initiated only from an employer's bank as long as funds are available, and 2. Government payments must be deposited in full. Carefully take a picture of both the front and the back of the check. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. By continuing to use this site, you are consenting to the storing and accessing of cookies on your device. $10,000 per day or $50,000 . SEE YOUR CARDHOLDER AGREEMENT FOR DETAILS. Funds may be delayed in the event of a bank holidayFunds will be posted to your account during business hours Monday to Friday (except Bank Holidays)Brinks Money does not charge any fees for transferring funds into your Brinks Money account but your financial institution may. How Do I Reassign a Utility Card to a Different User? Requesting money: Single request limit (i.e., dollar amount for one-time requests). Text LOAD and the dollar amount you wish to load to (415) 942-0692. She shares powerful insights on her blog, Great Passive Income Ideas, that will show you how you can create passive income sources of your own. Ways to check your balance for a $0.50 fee: The card carrier has the Brinks Money Account information listed and a detachable consent form in which the employee can fill out their personal information, which is then submitted to the employer. Make note of the banking information provided3. What do I do if my Card is lost or stolen? Bank Accounts, Deposits, and Funds. Accounts opened less than six months: $500 per day, $1,500 per month. Box 323 Reasons for rejection may include: For that reason, its important to securely store a check that youve deposited via a mobile app for at least two weeks. You may also cancel your enrollment with Ingo at any time by emailing us at help@ingomoney.com. D. Force Majeure. If you have met or exceeded your account limits, Bank may not be able to credit funds from your check to your Card Account, even if Ingo Money has approved your check. Other check cashers set their own policies regarding check acceptance and may charge you a fee to cash Skylight Checks. Attention: Customer Service Call Customer Service at our toll-free number. THE WARRANTIES STATED IN THESE TERMS AND CONDITIONS, IF ANY, ARE LIMITED WARRANTIES AND ARE THE ONLY WARRANTIES MADE BY US AND OUR AFFILIATES. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. How can I find the lowest-cost reload location nearest to me? An inactivity fee6 will be charged monthly to a Brinks Money Account with funds after it has been inactive for a period of time, which is described in the Cardholder Agreement. See your Cardholder Agreement for details. Use this chart to determine the limits. Notwithstanding the foregoing, if Bank funds your check and the check is returned unpaid for any reason and if Ingo Money or Bank determines in its sole discretion that there is evidence or potential evidence that you knew the check was bad, you deposited or cashed the check with a third party before or after sending it to us, or we otherwise find evidence of fraud or illegal activity by you, Ingo Money and Bank have full recourse against you for the full amount of the funds credited to your Card Account, along with any other rights or remedies available under law. Ingo Money and Bank may transfer their rights under these Terms and Conditions. If you do not want this card, you can simply shred or dispose of it securely. Ingo Money and Bank may amend or change these Terms and Conditions (including any applicable fees) from time to time in our sole discretion by sending you written notice by electronic mail or postal mail, by notifying you in the Ingo portion of the Brinks Money Mobile Banking app, or by posting the updated Terms and Conditions on the Ingo website at https://ingomoneyapp.com/partners/brinks-money-terms-conditions. Enter your online banking credentials to complete the verification process. In no event will Ingo Money or Bank, or our respective officers, directors, agents, employees, suppliers or affiliates, be liable for lost profits, loss of goodwill or for special, indirect, consequential, incidental, exemplary, or punitive damages arising from your use of our website, our mobile app, Ingo, or these Terms and Conditions, including, without limitation, any decline of a third-party check, regardless of whether such claim arises in tort (including negligence) or in contract, whether or not such losses or damages were foreseeable or we were advised of the possibility thereof. Chandrika Chandwani. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. All checks are subject to approval for funding in Ingo Money's sole discretion. If Ingo Money or Bank determines that you knew a check was bad when you sent it, if you have already deposited or cashed the check elsewhere or try to deposit or cash the check elsewhere after it has been funded by Ingo, or if you otherwise engaged or engage in fraudulent behavior, Ingo Money and Bank reserve the right to pursue you for the return of all funds credited to your Card Account, and may pursue any other remedies available under applicable law. These Terms and Conditions (Terms and Conditions) govern your use of the Mobile Check Load service (Ingo) to credit funds from checks to your Brinks Prepaid MasterCard (Card Account). The second way an employer can access account information is after the employer enrolls an employee. Some banks have a limit on the amount of money you can deposit in a month. Any communication we send to your contact information on file will be deemed received by you. The time it takes for a mobile deposit transaction to be credited to your account can vary. Camilla has a background in journalism and business communications. The fees associated with Ingo are as follows: NetSpend may impose additional fees or charges on account funding transactions. From time to time as you use Ingo, we may ask you additional questions to confirm your identity. Statements are generated on the 5th of the month at 12:00 AM. Here are a few things you can do to keep your online bank account safe and secure: A mobile deposit does not exempt a check from the possibility of bouncing. Use of the Card Account is subject to activation, ID verification, and funds availability. 6 The Inactivity Fee ("IF") applies if Card Account has not had any activity, that is, no Balance Inquiry Fee, purchase, cash withdrawal, or load transaction for 90 consecutive days. If you have questions about these Term and Conditions, please contact Ingo at by phone at (229) 276-3990, by email at help@ingomoney.com, or write to Ingo us at: Ingo Money, Inc. Ingo Money or Bank may suspend or terminate your use of Ingo at any time if you fail to perform any of your obligations to us as set forth in these Terms and Conditions, or if Ingo Money or Bank determines in their sole discretion that you are or potentially are misusing or abusing the Ingo service. See our privacy policy athttps://ingomoneyapp.com/privacy-policy.htmlfor how we treat your data. The waiver by either party of any default or breach of these Terms and Conditions shall not constitute a waiver of any other or subsequent default or breach. The maximum balance you can have on Brink's Prepaid Mastercard is $15,000. In order to use the card it must first be activated. When there are material changes to these Terms and Conditions, including changes to fees, policies, transaction limits, or terms affecting your use of Ingo, you will be asked to accept such changes prior to your next transaction. You may send us most types of government, payroll, personal or other checks for review and approval by Ingo Money. This includes making deposits. 2 No ATM-owner surcharge on ATM withdrawals conducted at an Allpoint Network ATM. Once you have regained access to your online bank account, use your new credentials to link your bank account to Bento. All other trademarks and service marks belong to their owners. Although online banking is quite safe, it is not failproof. Ingo Money will collect the funds from the writer of the check. 1. The employer will not have to change any information in their payroll (ACH) system as the new Paycard number will be linked to the old account number of the cardholder. Visit. To use SMS text with Brink's, the text must be sent from the primary account holders phone number that is linked to the Brink's account. What do I do if I think I am a victim of fraud? If your employer issues paper paychecks, you receive checks for rebates . How do I dispute a charge from a merchant? How Do I Upgrade or Downgrade My Subscription Plan? Currently mobile deposit is available in our mobile banking apps for iPhone and iPad users running iOS 5 or later and Android users running OS 2.3.3 or later, (API level 10). Please read these Terms and Conditions carefully. Heres a basic rundown of how to deposit a check using your mobile device: Mobile check deposit has proven to be a valuable banking feature for many people. Search for your credit union or banking institution3. You authorize us to obtain information and reports about you and your financial and transaction history from credit reporting agencies and from NetSpend to help us assess the risk of transactions you submit for our approval. We may not issue a refund check for any unused balance amount less than $1.00. Maximum and Minimum Check Limits. Provide your name and transaction confirmation number. Note: Standard text messaging rates from your wireless service provider may apply. Ally Bank. Method 2: Deposit Verification1. Enter the desired deposit amount3. IF YOU ACCESS THE INGO SERVICE THROUGH ANY APP OR METHOD OTHER THAN THE BRINKS MONEY MOBILE BANKING APP, FEES MAY BE DIFFERENT, HIGHER OR LOWER THAN THOSE LISTED ABOVE AND IN THE BRINKS MONEY MOBILE BANKING APP. We hope you find these frequently asked questions useful. You should receive your Card in approximately 7-10 business days after you place your order. How it works: The Brink's Money Prepaid Mobile App offers mobile check cashing to a prepaid Mastercard debit card with many of the same benefits as bank debit cards. G. Carrier Provided Information. The Brink's Money Prepaid Mastercard gives you access to your money as soon as the funds are electronically deposited to your Card Account - that can be up to 2 days faster than you'd expect. Each financial institution has different mobile check deposit limits, but they generally range from $500 to $2,500 per day. 5% for all other accepted check types, including hand-signed payroll and government checks, with a minimum fee of $5.00. 5% for all other accepted check types, including hand-signed payroll and government checks, with a minimum fee of $5.00. Here is a list of factors that might affect how much money you can add to your bank account via mobile deposit. This blog has partnered with CardRatings for our coverage of credit card products. Accounts opened three to six months: $1,000 per day, $2,500 every 30 days. We do not generally accept credit card checks, travelers checks, starter checks or other checks which do not have the check writers name and address pre-printed on the check, U.S. Savings Bonds, or checks drawn on accounts located outside of the United States or payable in currency other than US Dollars. The Cardholder Agreement also applies to your use of Ingo, INCLUDING THE PROVISION WHICH PROVIDES FOR BINDING ARBITRATION, but if there is any difference between the Cardholder Agreement and these Terms and Conditions, these Terms and Conditions control with respect to Ingo. One way to improve your credit score is to be added as an authorized user on another persons credit account. *Must be filed with the Secretary of State and/or county in which you operate, *Select other forms ofgovernment-issued photo identification are accepted, Funds may be delayed in the event of a bank holiday, 1. 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