Your continued use of Ingo after we have made such changes available will be considered your acceptance of those changes. The use of Ingo is limited to $2,500 per check, $5,000 per day and $10,000 per month. Once you have regained access to your online bank account, use your new credentials to link your bank account to Bento. More information. What Documents are Used for Enrollment Verification? Check Requirements. The temporary Paycard is attached to a card carrier. All rights reserved. From time to time as you use Ingo, we may ask you additional questions to confirm your identity. Restrictions include: no international transactions, accountto-account transfers and additional loads. Check your Cardholder Agreement for the terms that apply to your Card Account for a complete statement of your rights in the event of an error or unauthorized transaction, and the steps you need to take to protect those rights. When your Card arrives, read the enclosed materials including theCardholder Agreementthen activate your Brink's Money Prepaid Mastercard. To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. What Are Different Types of Credit Cards? The decision to approve a check is based upon the assessment of multiple factors and is not necessarily a reflection on either you or the writer/maker of the check. That will help minimize the chances that someone else can use the lost card. C. Retain Your Check. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". Shes psyched about teaching others how to manage their money in a way that aligns with their values and has been quoted in Bankrate. Paycards expire every few years and require replacement. E. Suspension or Termination of Use of Ingo. If you like using mobile deposit or are interested in learning more about how it works, youve come to the right place. These Terms and Conditions apply solely to your use of Ingo to credit funds from approved checks using Ingo in the Brinks Money Mobile Banking app. When Will a Card Turn Off for Violating a Policy? You can use it to make purchases wherever Debit Mastercard is accepted. In 1-2 business days, check your bank account activity for 2 penny deposits from Bento4. 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. You are responsible for any transactions initiated by you or anyone else who uses your username and password. Please allow 30 days for processing of your request. By using Ingo, you represent and warrant to Ingo Money and Bank that: (i) you are at least 18 years of age or higher based on the age of majority in your jurisdiction (for example, you must be at least 19 if you reside in the states Alabama and Nebraska where the age of majority is 19, or 21 if you reside in the Commonwealth of Puerto Rico); (ii) you are a U.S. citizen or legal alien residing in one of the 50 states, the District of Columbia or the U.S. territories and commonwealths, including Puerto Rico, Guam, Northern Mariana Islands, U.S. Virgin Islands, American Samoa, and the U.S. Minor Outlying Islands (collectively known as the U.S. There may be additional transaction, daily, monthly, and other limits that apply to your Card Account, as well as maximum card balance limits, that would include transactions using Ingo and other account funding transactions that you conduct elsewhere. How can I find the lowest-cost reload location nearest to me? What do I do if I see something unusual on my Card Account? There is no cost to order and activate a Brink's Money Prepaid Mastercard . What is mobile check deposit and how does it work? Toll-free:1 (877) 849-3249Monday through Friday: 8AM-10PM (Central Standard Time - CST)Saturday & Sunday: 8AM-8PM (Central Standard Time - CST)Closed on federal holidays. These terms are for use of Ingo through the Brinks Money Mobile Banking app. What KInd Of Credit Do You Need For An Auto Loan? This cookie is set by GDPR Cookie Consent plugin. No late fees or interest charges because this is not a credit card. All customers: $2,000 per day and $5,000 every 30 days. Its best to use a dark background when taking a picture of the front and back of your check. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. Bank Transfer1. Additional Information- To pause or turn off the Scheduled Reload or Low-Balance Reload, simply switch the On/Off toggle to turn Off and click Save.- If your available balance is less than the low-balance threshold at the time the Low-Balance Reload is turned on, an additional transfer to bring your available balance above the set low-balance threshold will be prompted.- If a transfer is already in process, the processing transfer amount will be taken into consideration when the low-balance reload is initiated. Maximum requests you can make per day. How can I enroll in Mobile Deposit? However, most major U.S. banks, as well as many smaller financial institutions, allow you to deposit checks using this method. Most major financial institutions offer this feature on their mobile app, and the steps are fairly easy as well. D. Money in Minutes. Once you activate the Card and verify your identity1, you may be able to choose from our selection of fee plans. What Are the Different Types of Controls I Have on a Card? You will be charged a fee of $2.50 for this convenience (applies to domestic ATM withdrawals; see theCardholder Agreementfor details). You represent and warrant to Ingo Money and Bank that any check you present to Ingo Money (i) is a bona fide check for funds owed to you that has been obtained by you by lawful means, (ii) you are not aware of any facts or circumstances which would limit the value, legality, collectability, or negotiability of the check, (iii) the check does not include any proceeds from or related to criminal activity, and (iv) there are no unfulfilled conditions that limit the negotiability or value of the check. The bank that issues the Card must collect this information in accordance with The USA PATRIOT Act, a Federal law that requires all financial institutions to obtain, verify and record information that identifies each person associated with an account1. For all other accepted check types, including checks with a handwritten signature: 5% of the Check Amount, with a minimum fee of $5.00. But what if you dont have another person with good credit who can add you as an authorized user? Use of the Card Account is subject to activation, ID verification and funds availability. Bank will deposit your check in its own account for clearing and collection and is responsible for crediting funds from your check to your Card Account (less applicable fees). How do I get a Brink's Money Prepaid Mastercard? There are no limits on the amount of deposits received, however if the Account has a balance of $15,000, it will be manually posted by the processing team after review. Processing of a direct deposit requires that the name associated with the direct deposit (the payee) be the same as the name associated with the Card Account. Mobile deposit limit (s) Capital One 360. Residents of the State of Vermont are ineligible to open a Card Account. If the recipient's identity cannot be verified or they are under the age of 18, the activation attempt is rejected. How Do I Set or Reset a PIN on a Brinks Money Card? How Do I Create Multiple Cards At A Time? Once youve activated your card and verified your identity,1 you can use it to make purchases wherever Debit Mastercard is accepted. All checks must have the writers name and address pre-printed on the check, be dated on or before the date of submission, be made out to you as your name appears on your Card Account, have matching numbers in the two amount lines, be signed by the check writer, be endorsed by you, and the endorsement must match the name on the payee line on the front of the check. Fill out a simpleonline order form, and we will ship you a personalized Card. You may cease your use of Ingo at any time, simply by not using it. How does an employer enroll an employee into the Brink's Money Program? Each checking account listed offers mobile check deposits without the check deposit fees. What do I do if I receive a suspicious email asking for my personal or account information? Once we have credited the funds from your check to your Card Account, you must destroy the check and not attempt to deposit it or cash it anywhere else. Most financial institutions in the U.S. offer customers the option to deposit their checks through their app as opposed to in person. > Terms ofUse. The change of address should be done by the employee. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3.7. Use the following link for more information about Phishing and how to protect yourself from these scams:What is Phishing? What Do I Do If My Card is Lost or Stolen? The Brinks Money Mobile Banking app contains third party code and such third parties are expressly made a beneficiary hereof and may enforce these terms directly. If you do not want this card, you can simply shred or dispose of it securely. Yes, there are two ways employees can access funds. How Do I Upgrade or Downgrade My Subscription Plan? 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. There is always a possibility of security breaches surrounding a mobile deposit. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. Details on how to send checks to us using the Ingo portion of the Brinks Money Mobile Banking app are available in the app. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us. The convenience check can be cashed at no cost at any U.S. Bank branch locations, at participating Walmart locations, and at participating ACE Cash Express locations. Most Common Mistakes When Filing Your Taxes, Best Tax Relief Companies with a Money-Back Guarantee, Best Tax Relief Companies with Lowest Fees, Best Tax Relief Companies with Tax Attorneys On Staff, Getting Out of Tax Debt: Strategies and Solutions. Online fintechs, including Chime and several Chime alternatives, also accept mobile deposits. Checks which return unpaid will be transferred and assigned to Ingo Money for collection. Use of Ingo is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. Statements are generated on the 5th of the month at 12:00 AM. The Brink's Money Prepaid Mastercard is not a credit card and no credit report has been or will be obtained in connection with this prepaid card offer. What's the Maximum Card Spend Limit on Brink's Cards? For lost, stolen or damaged cards, you will receive one replacement card at no cost every 12 months. Additionally, you can withdraw cash surcharge-free at Allpoint ATMs. Keep reading to see what that amount is, as well as how safe mobile check deposit actually is. A. Brink's, 1801 Bayberry Ct., P.O. Search for your credit union or banking institution3. You agree not to use Ingo for any purpose prohibited by law. You may use the Ingo service in the Brinks Money Mobile Banking app to submit checks to Bank for credit to your Card Account, following Ingo Moneys review of your check for funding approval. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. join our free newsletter and join 25,000+ subscribers learning how to make more money, invest better, enjoy more of life with our 100% free newsletter. Will I Be Notified When a Policy is Violated? 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. 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