Let’s answer any questions you might have about your card.
Two things you should know right away: we never charge you to use your card and your earnings are immediately accessible after they’re loaded onto your Instant account.
Your earned money should always be in your control—without fees and without delay.
Here are seven more things you need to know about using your card:
1. First, did you scan the barcode on your welcome letter?
If you did, your card should be ready to use. If you didn’t or don’t remember doing it, call the number on the back of your card and we’ll get you set up.More info>>
2. Save your earnings in your Instant account and use it whenever you’d like.
Think of it like a bank account: see your money build up and save for when you need it most. Though your Instant card works like a credit card, you’re only using money you’ve earned, so there’s never any debt. You can check your balance anytime on the Instant Financial app.
3. Spend with your Instant card anywhere credit is accepted—in-store, online, wherever.
Remember, choose the credit option whenever you make a purchase. Don’t worry, we’ll never charge you for using your Instant card.
4. Withdraw cash from any ATM that displays the Visa®, PULSE® or MoneyPass® acceptance marks.
You can access any of the ATMs in the networks listed, but it’s free when you withdraw on one of the 33,000 MoneyPass® ATMs nationwide. Use the ATM locator in the ‘Help’ screen on the Instant Financial app if you need help finding one near you.
5. We’ve made it easy for you to change your PIN.
Your initial PIN is placed under the Instant card in your card carrier, but you can call the number on the back of your card and get it changed to the PIN that works best for you.
6. Here’s what you do ifyour card gets lost or stolen.
Go to the ‘Help’ tab in the menu of your Instant Financial app and select ‘Freeze Card’. This will immediately and temporarily disable your card. If you find your card or get a new one from your employer, you can easily unfreeze your card under the ‘Settings’ tab.
7. Check that your billing address is correctin the Instant Financial app.
This address is associated with your card. So if it’s incorrect, online purchases may not be able to go through.
If you have any questions that weren’t answered, call us with the number on the back of your card.
Enjoy your Instant card!
FAQs
How does it work? If you work on an eligible assignment and do not have any active garnishments, Instant sends you an offer the following day for up to 50% of your earned wages from the previous day. If you want this pay ahead of your regular weekly paycheck, you have 12 hours to accept it.
Can I use my instant card like a debit card? ›
Yes, your card can be used anywhere Visa Debit cards are accepted. If you have issues using your card, call us at 800.843. 1552.
What are the benefits of instant card? ›
And the advantage is twofold: - When the account is opened: the payment card is issued and activated at the branch. The customer gets their card immediately, they can choose the PIN and use it right away. - If the card is lost or stolen: emergency replacement of a payment card is simple and there's no waiting.
What is instant financial DailyPay? ›
Instant Pay is a fee-free benefit that allows you to get up to half of your pay after every day you work. Simply finish your shift and you'll get a notification on your phone offering you a portion of your pay. If you accept, funds are added to your Instant account, to use immediately.
What companies use instant financial? ›
Increasing Demand For Pay Flexibility
With more than half of Americans worried about making their money last until payday, Instant is empowering countless workers across the country to access their earnings how they choose, at companies like Bloomin' Brands, Papa Johns, Gen Korean BBQ and more.
How do I activate my instant card? ›
Activating a Replacement Instant Card
Tap the three dots on the top right corner of the card displayed to open the "Card Controls" menu. Tap Order Replacement Card. Tap Activate Instant Card when prompted. Follow the on-screen instructions to activate your new Instant Card.
How do I check the balance on my instant card? ›
How do I check the balance on my Instant account?
- Open the Instant app and view your Account Balance on the refreshed Dashboard screen.
- Call the number on the back of your card to listen to an automated read out of your balance and recent transactions.
This is mainly because ATM and Debit Cards are quite similar in terms of their functions and use. However, what we must know is that they are two different cards. An ATM card is a PIN-based card, used to transact in ATMs only. While a Debit Card, on the other hand, is a much more multi-functional card.
Why won't my instant card work? ›
Make sure you are entering in the 16 digit card and CCV numbers correctly. Online purchases require addresses and names to match what is on your Instant Account. Your card could be in a Lost/Stolen status or blocked for some other reason. Blocks are put on your card to protect your funds.
Can I overdraft my instant card? ›
No overdraft/credit feature. Contact Instant Financial by calling 1-844-466-9361, by mail at P.O. Box 826, Fortson, GA, 31808-0826, or visit https://instant.co. For general information about prepaid accounts, visit cfpb.gov/prepaid.
Instant Payouts allow you to transfer funds to an eligible debit card or bank account within minutes of a transaction for a fee of 1% of the payout amount for most countries (1.5% for Australia). Funds paid out instantly to a bank account or debit card will appear in the associated bank account within 30 minutes.
What bank does Instant Card use? ›
Instant Card: A temporary credit card | Virtual credit cards | U.S. Bank.
What is instant card payment? ›
Instant payments are electronic pay- ment solutions that process payments in real time, 24 hours a day, all year long, where the funds are made available immediately for use by the recipient.
Is instant a prepaid card? ›
The Card is a prepaid card useable in the United States, wherever prepaid debit cards bearing the applicable payment network brands on your Card are accepted. The Card is not a gift card.
How does instant payout work? ›
Instant Payouts allow you to transfer funds to an eligible debit card or bank account within minutes of a transaction for a fee of 1% of the payout amount for most countries (1.5% for Australia). Funds paid out instantly to a bank account or debit card will appear in the associated bank account within 30 minutes.
How does instant payment system work? ›
Instant payments are digital payments that are processed in real-time, every day of the year, with the funds immediately available to recipients. Instant payments are a far faster payment option than the previous bank to bank payments which took one to three business days.
How does instant money work? ›
To send money at a retailer, give your ID and cellphone number at the till and confirm the amount you want to send. You'll receive a voucher number and a 4-digit PIN to share with the person who'll collect the money. To receive money at a retailer, give the cashier the voucher number and key in the 4-digit PIN.
How does instant funding work? ›
Instant funding refers to money that becomes instantly available in your trading account after you request more funds. Many online brokerage platforms that allow you to trade stocks, Forex, cryptocurrencies, and other assets offer instant funding options. This allows traders to capitalize on new trading opportunities.
