Thank you for choosing the EchoPay Visa® Prepaid Card. The following information will provide helpful tips on how to use your card and highlight some of the features and benefits to you the Cardholder. Complete terms and conditions, including all fees, for your EchoPay Visa Prepaid Card account can be found in the Cardholder Agreement.
EchoPay is a mobile money app2 and online dashboard paired with a Visa Prepaid card. All cards are issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Standard data charges may apply.
There are two ways to get EchoPay:
EchoPay is for U.S. citizens and permanent residents age 18+ with a valid Social Security Number.
We accept you as you are. EchoPay does not require a credit check.
You cannot enroll using only a box number. A full address is required. This is a necessary security requirement.
To make EchoPay as secure as possible, we require your info to match exactly. If you didn’t pass the ID verification, don’t worry. It may have just been a typo or another small issue. Simply follow the prompts on the screen to submit required ID’s to verify your identity. If you have an issue you can reach us at 1-833-280-6144.
You need to activate your card before you can use it. To activate your card, please visit the online dashboard, or download the EchoPay Visa Prepaid app, or call the number on the back of your card. Simply follow the prompts and your card will be activated. It’s that easy!
Once you sign up for EchoPay we print your custom card and mail to you. Your card should arrive within 10-12 business days.
EchoPay is accepted everywhere Visa Debit cards are accepted.
If your card is lost or stolen you can cancel your card and order a new card in the EchoPay mobile app or online dashboard (by signing in at www.EchoPay.me). You can also call us at 1-833-280-6144. There will be a one-time fee of $4.99 to replace your lost card.
You can temporarily lock and unlock your card at any time using the EchoPay mobile app or online dashboard (by signing in at www.echopay.me). In the menu, go to manage card, then click on ‘Lock Card’. This will momentarily lock your card. To unlock your card, simply go back to ‘Manage Card’ and click on ‘Unlock Card’.
Login to the EchoPay mobile app or online dashboard (by signing in at www.EchoPay.me). Go to ‘Manage Card’ > ‘Set PIN’.
You can withdraw funds at any ATM. There is no fee4 for ATM’s at the Visa Plus Alliance Network. Other ATM’s may charge you a fee to withdraw cash. This fee is not charged by EchoPay, but by the ATM network.
We will reissue your new EchoPay card before your old one expires. When it arrives please activate it following the information in the envelope and destroy the old card.
To receive early direct deposit with your employer:
To receive early direct deposit with your government benefits, provide your government agency with your EchoPay routing number and account number. You can view this info in the EchoPay mobile app or online dashboard (by signing in at www.echopay.me). To view this info, go to: Add Money > Direct Deposit.
You can deposit cash at over 100,000 locations across USA including: Wal-Mart, CVS, Walgreens, 7-11, Safeway, Family Dollar, Dollar General, and many other locations. EchoPay doesn’t charge for this feature, but the location may charge up to $4.95 per cash load. You can find a location near you by using our Load Locator feature in the EchoPay mobile app or online dashboard (by signing in at www.echopay.me). It usually takes about ten minutes for the funds to show up in your account. You can deposit cash up to four times per day, with a maximum of $1,000 cash deposits per 24-hour period. You can make up to five loads per rolling twenty-four (24) hours. $10.00 minimum and $1,000 per transaction. See our Transparent Fees page for fee details.
You can deposit funds from approved checks using your mobile device. Follow these three steps:
Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.
IRS will send the tax refund to the card; however, the primary name on the refund check must match the primary name on the card, otherwise, the bank will reject the deposit and IRS will send a paper check to the receiver and that may take up to 6 weeks for the person to receive it.
Ex. I file as a single filer therefore my name is the only name on the refund check. I want it to go through my prepaid card. It will go through because my name on the tax return matches my name on the card as I am the primary.
Ex 2. Jane and John Doe file their taxes jointly. Janes’s name is the primary on the tax return. Jane wants to deposit their refund check on her EchoPay card. Jane’s prepaid card information must be the one on file on their tax return, for the deposit to go through, because she is the primary name on the tax return. If John attempts to deposit on to his card, it will be rejected by the bank because John is the secondary name on the refund check.
To view your EchoPay routing number and account number, sign in to your Echopay online dashboard and go to: Add Money > Direct Deposit.
Use your card everywhere Visa debit cards are accepted.
Forgot Your Card? We’ve Got Your Back. With EchoPay, pay conveniently with your mobile wallet wherever mobile payments are accepted. EchoPay works with Apple Pay, Samsung Pay, and Google Pay.
Add your EchoPay card to Apple Pay, Samsung Pay, or Google Pay wallet. Simply open your wallet app and add your EchoPay card. You can now ‘tap’ to pay where contactless payments are accepted.
Pay bills easily with our network of over 64,000 vendors, and view past payments to monitor your spending. To pay bills, login to your Echopay Online Dashboard and go to ‘Bill Payment’. Enter your vendor and amount. You can also schedule bill payments for future dates.
EchoPay offers no-fee4 money transfers to friends and family when they have an EchoPay Visa Prepaid Card. Login to your EchoPay account and go to: ‘Send Money’. The funds are sent within seconds. Note: there’s a daily Echo-To-Echo transfer limit of $500 per day.
When making a purchase, there are some merchants such as gas stations, car rental agencies, restaurants and hotels that will pre-authorize your card for an amount that is more than the actual purchase.
A preauthorization hold will reduce the available balance on your card until the merchant releases it or it expires. Here are some examples:
Fuel Purchases – If paying at the pump, many gas stations preauthorize up to $100.00 to cover the final authorized fuel purchase. Although you will only be charged for the amount pumped, the amount authorized (up to $100) may be held 7-10 calendar days, or until the transaction settles, whichever is first.
NOTE: If you go inside the store to pay, there will not be any holds placed on your card. It is recommended to do this when using your EchoPay Visa Prepaid Card to avoid any holds on your account.
Restaurants, Nail & Hair Salons, – Some merchants will add up to 20% of the total sale to cover estimated tips. This is common with restaurants (including fast food establishments) and salons. While you may not choose to tip this amount, the hold may remain on your card for 7-10 calendar days, or until the transaction settles, whichever comes first.
Travel – Hotels and car rental companies require a preauthorization hold on your card to cover the total amount of the final bill. The hold that is placed on your account will not be removed until the transaction is settled, or the hold expires. Hotels may hold up to 30 calendar days and car rental companies may hold for up to 60 calendar days.
During the hold period, you will not have access to the preauthorized amount. If the merchant no longer intends to settle the preauthorized transaction, you may request to have the hold removed. You’ll need to work with the merchant and have them fax the follow pieces of information to 1-801-298-6404 (MUST BE ON MERCHANT’S COMPANY LETTERHEAD):
If it pertains to a hotel or car rental, the car must be returned, and you must include:
We will review the information. Once everything matches up with the transaction, we can release the preauthorization hold and release the funds being held.
Two cards, one account. A partner card allows you to share your EchoPay account with your partner. You will share a balance. Both parties will be able to make payments, pay bills, withdraw funds at ATM’s, etc.
To order your card, login to your Echopay online dashboard and go to: Get Additional Cards > Partner Card.
We’ve designed Family Cards for parents to teach their teenagers how to be responsible with their finances. An important part of this is transparency and accountability. For this reason, Family Cards have some important differences from regular EchoPay Cards:
We’ll mail your card(s) to the address used. Please allow 10-12 business days for your card(s) to arrive.
Family Cards are for youth ages 13-17. At age 18 your teenager may order their own EchoPay card.
You may order up to five Family Cards. There is an initial fee of $4.95 per card you order. This covers the cost of the card and shipping to your address.
There is no additional monthly fee when you add Family Cards. You will continue to pay the $4.95 monthly fee.
If you load $1,000+ per monthly billing cycle we will continue to waive the monthly fee. This means the entire family can use EchoPay with no monthly fee4 if you load $1,000+ per monthly billing cycle.
You can monitor your teenager’s balance and transaction history by signing in and selecting their account. This will only be available to you once their card has arrived and is activated.
Note: The teenager cannot view their parent’s balance or transaction history.
Teenagers with Family Cards can use their own login info to sign in with the EchoPay mobile app or online dashboard at www.EchoPay.me.
Note: a valid email address is required to create an account.
Your family card can be used with Apple Pay, Samsung Pay, and Google Pay.
How to refer and earn:
There’s no limit to the number of people you can refer. Track your bonuses to see how much you’ve earned by logging in at EchoPay.me and click ‘Referrals’.
Once you signup for EchoPay, you can login to your online dashboard at www.echopay.me. Click ‘Login’ on the top-right and enter your email address and password. Once logged in you can view your balance and access to all our features.
Once you signup for EchoPay, you can login using the EchoPay mobile app. Once logged in you can view your balance and access to all our features.
You can set up fingerprint/facial recognition in the mobile app for fast access to your account overview. To set this up, sign in with the EchoPay mobile app and go to: ‘Settings’ (top-right) and select ‘Fingerprint’ or ‘Facial Recognition’ access. Enable the feature using the selector.
You can view your account balance quickly and easily using the EchoPay mobile app. Simply tap the ‘QUICK BALANCE’ button on the login screen.
You can receive notifications2 for activities such as Daily Account Balance and Deposits. You can select which notifications you receive. Sign in to the online dashboard and click on “Alerts Settings”.
The EchoPay ATM locater allows you to find the nearest ATM anywhere in the world and indicates which ones are surcharge-free with a PLUS icon. Sign in to the online dashboard and click on the ATM Locator found on the menu.
Your monthly statement is available anytime on our mobile app or online dashboard.
Your security is extremely important to us. You can change your password with the EchoPay mobile app or online dashboard. There are two ways to change your password:
If your address has changed, please change your address. Simply log in and go to: Account Settings > Change Address
To view this, please see our ‘Transparent Fees’ page
Yes. We utilize 256-bit AES Encryption to ensure the utmost security of your information. The safety and security of you and your funds is our top priority!
Your account is FDIC insured up to $250,000. Register your card for FDIC insurance eligibility and other protections.
Important information for opening a Card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties 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 your driver’s license or other identifying documents.
Visa’s Zero Liability Policy5 is our guarantee that you won’t be held responsible for unauthorized charges made with your account or account information. You’re protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.
Click here to view our Privacy Policy
