Ingo may or may not accept checks you have written to yourself, in Ingos sole discretion. Capitalized terms have the same meaning as given in the Cardholder Agreement unless otherwise specified herein. If you use Brink's Money Prepaid Mastercard Online Banking, don't share your username and password with anyone. What Are Different Types of Credit Cards? If you do not want this card, you can simply shred or dispose of it securely. Check with your payor to find out when the direct deposit of funds will start. The Factors That Actually Matter When Revising Your Credit, Brink's Fourth-Quarter and Full-Year 2022 Webcast, Brink's Fourth-Quarter and Full-Year 2022 Presentation, Brinks Delivers Strong Fourth-Quarter and Full-Year Revenue and EPS Growth, Brinks Fourth-Quarter and Full Year 2022 Earnings Release and Conference Call Scheduled for February 22, 2023. These Terms and Conditions apply to Ingo and supplement the Brinks Prepaid MasterCard Agreement governing your use of the Card Account (the Cardholder Agreement). What is the Maximum Balance for Brink's Prepaid Mastercard? What is mobile check deposit and how does it work? When making purchases at many retailers, such as grocery stores, select "DEBIT" and enter your PIN to get cash back. How Do I Add My Brink's Card to a Mobile Wallet? 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. Depositing your checks via mobile deposit can save time and help you get your money into your account faster. What Do I Do If Someone I've Sent an Invitation to Hasn't Received it? With the Brinks Money Card, you can have your paycheck direct deposited to your Brinks Money Account. What do I do if my Card is lost or stolen? We may also ask to see your driver's license or other identifying information. Use of the Card Account is subject to activation, ID verification, and funds availability. If your check clears prior to the end of the 10-day period, Bank will hold the funds until the end of the 10th day (provided that the transaction is not reversed), during which time the funds will not be FDIC insured. All customers: $2,000 per day and $5,000 every 30 days. Download the Mobile App The Brinks Money Mobile App doesnt cost anything to download, and its available in the App Store or on Google Play.4. All Wells Fargo customers: $2,500 per day and $5,000 every 30 days. If Ingo Money does not approve the check for funding for any reason in its sole discretion, or if the check is returned unpaid for any reason prior to the end of the 10th day, the funds from your check will not be credited to your Card Account, you will be notified, and the transaction will be terminated without charging you a fee. Netspend is a registered agent of Republic Bank & Trust Company. You shall endorse, assign and transfer to Bank all checks approved for funding. The card is not active, nor does it have any monetary value. Because changing mobile deposit limits is possible, its important that you keep abreast of communication from your bank. Once youre enrolled, a personalized card with your name on it will be sent to your home mailing address. Instead of going to a financial institutions branch, you can now manage your money from your own couch. See your Cardholder Agreement to understand your limits, and manage your account funding transactions to remain within such limits. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. Sure thing. Accounts opened less than 30 days: $1,000 per day, $2,500 per month. 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. 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. Immediately call Customer Service at our toll-free number,1 (877) 849-3249. Accounts opened for more than 12 months: $2,500 per day, $6,000 every 30 days. Choose 10-day delayed funding and Bank will credit your Card Account for the amount of the check in 10 days if Ingo approves your check and it is not returned unpaid within the 10-day period. If we are unable to resolve the issue and credit your Card Account, Bank may, in its sole discretion, mail you a check at the address registered to your account, credit the funds back to the account of the check writer, or take other action to return the funds to you or the check writer. Are links on www.BrinksPrepaidMastercard.com safe? 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. You are responsible for any transactions initiated by you or anyone else who uses your username and password. Errors in Connection with Account Funding. If you lose your card, contact us immediately so your lost card can be cancelled. Login credentials can be used to conduct financial transactions in your name. Its important to be aware that your mobile deposit limit can change anytime. After the Paycard is funded via direct deposit three times, the employee will receive a permanent Paycard with his or her name embossed, sent to the address provided during enrollment. A. Depending on your banking habits, you may end up choosing a bank based on its flexibility regarding mobile check deposit limits. You'll also have earlier access to important documents, such as your tax statements. If Ingo Money does not approve your check for funding, you may terminate the transaction and deposit or cash your check elsewhere, or you may be given the option to request check approval for Money in Days. We will take reasonable steps to investigate and correct any error, and we will notify you of the results of our investigation. You agree to cooperate at your own expense with any investigation of your dealings by any Federal, state, or local regulatory or law enforcement agency and with any court-ordered production of your enrollment or use of Ingo and transaction records. How can I find the lowest-cost reload location nearest to me? The cookie is used to store the user consent for the cookies in the category "Other. One way to improve your credit score is to be added as an authorized user on another persons credit account. You must activate and register your Card Account with NetSpend Corporation (NetSpend) before you can use Ingo. A full list of fees is included in the materials provided with your card. Skylight Checks can be cashed at no cost at any U.S. Bank branch, at participating Walmart locations, and at participating ACE Cash Express locations. Bank Accounts, Deposits, and Funds. From the Profile icon, click Statements. 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. Please note we are unable to accept EIN documents for business verification. From reloadable consumer prepaid cards to payroll and expense management cards, Brink's Money offers financial solutions that bring you peace of mind. Log in to your Online Account Centerto transfer money between your Brink's Money Prepaid Card Account and your Savings Account. Any communication we send to your contact information on file will be deemed received by you. There is no credit check and there is no fee to order the Card. See the Skylight Checks enclosure for step-by-step instructions. The Account will have a balance limit of $15,000.00. Go to the Funds tab > Click to connect a bank under the Bento Transfer Icon2. Avoid These Costly Mistakes, Compare Specialty Homeowners Insurance Reviews, Expert Strategies to Invest in Real Estate, How To Start Investing with $1,000 or Less, Investment Strategies to Start Building Wealth, Finding the Right Investor for Your Startup, Strategies On Increasing Your Current Income, How To Manage Your Personal Finances Successfully, Retirement Savings: Making Up for Lost Time. Find Your Best Match for Student Loan Refinancing. As an Amazon Associate, I earn from qualifying purchases. C. Retain Your Check. 1. You will receive your Card in the mail in approximately 7-10 business days. 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. B. Ingo Money Obligations. If you do not receive your Card within 10 business days, call Customer Service at1 (877) 849-3249. 2 Mobile Check Load is a service provided by First Century Bank, N.A. Account & User Management. L. Account Funding Failures. If you suspect that someone has stolen your identity or acquired unauthorized access to Ingo using the Brinks Money Mobile Banking app, contact NetSpend immediately at 1-877-849-3249. First, employees will be given Skylight Checks5 in their Instant Issue Pack, which can be made payable to themselves in the exact balance of the Brinks Money Account. Box 2136, Austin, TX 78768. Ingo Money will collect the funds from the writer of the check. Here is a list of factors that might affect how much money you can add to your bank account via mobile deposit. How Do I Reassign a Utility Card to a Different User? 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. How Do I Replace, Reissue or Cancel a Card? Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. The employer will then enroll the employees into the program via the Corporate Portal by entering the employees name, physical address, date of birth and government ID number. D. Cancellation of Use of Ingo. No late fees or interest charges because this is not a credit card. She specializes in writing complex information in understandable ways. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. We rely on affiliate marketing services as a source for reaching potential new customers. How Many Reminders Can I Set to Rectify a Policy Violation? Once Bank has credited funds from your approved check to your Card Account (less any Ingo fees), the funds are yours to keep even if the check bounces or is returned unpaid or for any other reason. Her work has been published in the HuffPost, KSL.com, Deseret News, and more. That includes in stores, over the phone or online. If received after 4:00 pm CST/CDT, the funds will be made available the next business day. C. Security of Login Credentials. Customers who have been members of the Bank of America Preferred Rewards program for at least three months: $50,000 per month. If any provision of these Terms and Conditions is held to be invalid or unenforceable, the remaining provisions will remain in full force. Integrations. Depositing checks via your mobile device can be a convenient way to get money in the bank quickly. You may do so by contacting 1-877-849-3249 or by visiting www.BrinksPrepaidMasterCard.com. The employer is never responsible for unpaid employee fees. For lost, stolen or damaged cards, you will receive one replacement card at no cost every 12 months. How Do I Troubleshoot Two-factor Authentication Issues? Deposit limits depend on the institution and how long your account has been open. To use the Card, you will need to activate the Card, verify your identity1and register the Card. Brink's, 1801 Bayberry Ct., P.O. You can also go to a Mastercard member bank and withdraw cash from over the counter. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. After you've signed up for Anytime Alerts, text the letters "BAL" to 22622 anytime, and your Card Account balance will be sent to your mobile phone. Box 18100 Richmond, VA 23226-8100,U.S.A. We use cookies to understand how you use our site to improve your experience. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 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. Your online banking credentials are protected by 256-bit Secure Socket Layer (SSL) encryption to keep your information safe and secure. You can access additional information on how to protect yourself and your personal information by visitingwww.brinksprepaidmastercard.com. Set your deposit frequency (daily, weekly, or monthly) > Save, Low-balance Reload1. Approval review usually takes 3 to 5 minutes but can take up to one hour. If you think something unusual is going on with your Brink's Money Prepaid Card Account or if you receive a communication (email/phone call/text) that doesn't seem right, call the Customer Service number on the back of your Brink's Money Prepaid Mastercard at1 (877) 849-3249. Its best to use a dark background when taking a picture of the front and back of your check. There is a chance that you may redeposit a check that you already deposited via mobile deposit. Government payments must be deposited in full. Can I still use it to make purchases? Heres a brief overview of what the limits are for some of the customers at the top U.S. banks. Use the Mango mobile-enabled cardholder portal to check your balance, send money to family and friends, and upload checks to be deposited into your account. If you lose your card, contact us immediately so your lost card can be cancelled. 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. With Brink's Direct Deposit, you can get paid faster* than a paper check. What Happens When You Deposit Over $10,000 Cash? 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. She has written on a variety of topics including money, science, personal finance, politics, and more. Netspend is the federally registered U.S. service mark of Netspend Corporation. For all other accepted check types, including checks with a handwritten signature: 5% of the Check Amount, with a minimum fee of $5.00. One of the best things you can do to protect yourself from scams is to consistently keep an eye on your accounts and never give your personal or bank account information to another person. Your personal data is collected during your enrollment in Ingo, when you submit checks for funding, when you otherwise provide it to us, and when we collect it during performance of our obligations under these Terms and Conditions. WE DISCLAIM, AND YOU HEREBY EXPRESSLY WAIVE, ALL OTHER REPRESENTATIONS, CONDITIONS, OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY, ACCURACY, OR NON-INFRINGEMENT. To learn more check out our policy. If you select Money in Days, Ingo Money will review your check for funding approval and you shall endorse and transfer your check to Bank for deposit in Banks account for clearing and collection. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. What Are the Differences Between Federal and Private Student Loans? 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. Why Do I See An Additional Pending Amount Being Held on My Card? *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. Learn more in our full review. Personal Loan Vs. Line Of Credit: Which Is Better? Ingo is offered by First Century Bank, N.A. How Do I Add Funds to My Brink's Account? How do I find the routing number and my account number to enroll in Direct Deposit? Ingo fees will not be reflected on your Card Account statement or the transaction history provided by NetSpend. But what if you dont have another person with good credit who can add you as an authorized user? You should receive your Card in approximately 7-10 business days after you place your order. How Do I Export or Download Multiple Receipts at Once? As mobile deposits become available to you, they will no longer count toward the limit, making room for future deposits. How can I enroll in Mobile Deposit? All you will see on your Card Account statements and transaction history is the amount actually credited to your Card Account. 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