You must activate and register your Card Account with NetSpend Corporation (NetSpend) before you can use Ingo. Bank Notes ; Fine Arts ; Insights Get a Quote; Login - Brink's US. . Brink's Prepaid Mastercard sets a daily direct deposit limit of $7,500. ADDITIONAL FEES MAY BE ADDED OR IMPOSED BY NETSPEND. Most banks say that you should expect your mobile deposit to show up in your bank approximately one to three business days after you complete your deposit. What is mobile check deposit and how does it work? The card is not active, nor does it have any monetary value. The interest rates of many popular credit cards are now hovering close to 30%. Copyright 2023 SuperMoney, LLC. Don't write your PIN anywhere on your card, on any of the other materials that came with your card, or on print-outs of your card activity summaries. Card activation and identity verification required before you can use the Card Account. How Do I Link and Verify My Bank Account to Transfer Funds? We do not warrant that the use of Ingo will be error-free or without interruption, and we are not responsible for errors or issues caused by the Internet, any processor, or any other third party. Which Account Fits You Best? What do I do if I see something unusual on my Card Account? Many institutions allow you to mobile deposit a large check if you have a specific account. Once you have sent your check to Ingo Money for funding approval, you must retain the check until we inform you of the approval or decline of your check. 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. Mobile check deposit can make adding money to your bank account quick and easy, without having to pay a visit to a branch. Accounts opened for more than 12 months: $2,500 per day, $6,000 every 30 days. How To Deposit Your Paycheck Safely, Daily ATM Withdrawal Limits: The Complete Guide. Text BAL to (415) 942-0692. Brinks Money reserves the right to request additional documentation that may or may not be listed here for review at any time. Once you send us a check for approval, you must not attempt to deposit or cash your check anywhere else. Other check cashers set their own policies regarding check acceptance and may charge you a fee to cash Skylight Checks. These terms are for use of Ingo through the Brinks Money Mobile Banking app. Sign up for Anytime Alerts You can receive notifications whenever there is a transaction by text or email.4 You can also text the short code BAL to us, and well respond with your balance. How Long Before My Mobile Deposit Shows Up in My Account? Why Do I See An Additional Pending Amount Being Held on My Card? Another reason, though less common, is because of an unreadable or invalid account number and information. US Login Page. 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. How Do I Add My Brink's Card to a Mobile Wallet? Getting a Mortgage With a Smaller Down Payment and No PMI. You may not send us any check you have deposited or cashed anywhere else. $1,000 per day/$3,000 per month for accounts six months or older. There are two ways for the employer to receive employee Brinks Money Account information. D. Money in Minutes. Provide information about the check and its original value. To view the fee plans and other costs associated with using the Card ordered through this website, see ourfee schedule. To opt out of future mail offers, call 877-849-3249, e-mailbrinksprepaid@netspend.com, or write to: NS Consumer Opt-Out, P.O. Second, the employee can get an Instant Card Replacement from their employer. You will also be able to order a new Card. Depositing your checks via mobile deposit can save time and help you get your money into your account faster. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? A. 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. How Do I Deposit Funds and Check My Brink's Account Balance by SMS Text? Your ability to receive a credit of funds to your Card Account is also subject to funding limits and availability restrictions set forth in your Cardholder Agreement, taking into account all account funding transactions, maximum balance limits, daily and other load limits, and other limitations imposed by NetSpend. Certain products and services may be licensed under U.S. Patent Nos. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. With $500 in qualifying direct deposits, you get access to a $10 Purchase Cushion 7, Reduced Monthly Plan 8, and an optional Savings Account. From time to time as you use Ingo, we may ask you additional questions to confirm your identity. This includes making deposits. All rights reserved worldwide. Once you activate the Card and verify your identity1, you may be able to choose from our selection of fee plans. They can visit the Online Account Center, and update their Brinks Money Account information with the new address. Depositing your checks using a mobile deposit app is safe, as banks use the highest levels of encryption to protect their mobile deposit apps, just as they do with online banking. 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. How do inactivity fees work for inactive Paycards, with and without balances remaining? Duplicate transactions using the same check can be a type of fraud and may be subject to civil claims and criminal penalties. Transactions & Card Management. Fees apply for approved Money in Minutes transactions funded to your card. No, when the employee calls customer service to activate the new Paycard, the representative will note that he or she already had a Paycard, and will link the new Paycard number to the existing Account number. Check Requirements. Capitalized terms have the same meaning as given in the Cardholder Agreement unless otherwise specified herein. A mobile check deposit works by endorsing the check, taking a picture of the front and back of the check, and submitting the information through the institutions mobile app. What Documents are Used for Enrollment Verification? We are not responsible for the information provided by, or the security of sites linked to or from our website. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. US Bank. Ingo is operated by Bank and Ingo Money. The temporary Paycard is attached to a card carrier. How Do I Replace, Reissue or Cancel a Card? What is the re-issue process for expired Paycards? The employer then uses that information to create the employees Brinks Money Account in the Corporate Portal. Follow the printed instructions that arrive with your Card. 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. Requesting money: Single request limit (i.e., dollar amount for one-time requests). Accounts open for at least three months: $10,000 per month. How Do I Add/Transfer Funds to My BBE Account? Refused wire transfers will be returned to the account they were initiated from. From reloadable consumer prepaid cards to payroll and expense management cards, Brink's Money offers financial solutions that bring you peace of mind. You'll also have earlier access to important documents, such as your tax statements. Bank Accounts, Deposits, and Funds To use the Card, you will need to activate the Card, verify your identity1and register the Card. Brinks Money will set up a Corporate Portal profile where the employer can enroll employees in the program upon activation and ID verification. We may also ask to see your drivers license or other identifying information. $50,000 per day or $250,000 in a 30-day period. Security and Privacy Policies and Best Practices, Policy Settings - Overview and Management, Card Management - Overview, Controls, and Departments, Non-QuickBooks Accounting Software Set Up, QuickBooks Accounting Software Set Up and Troubleshooting. These cookies will be stored in your browser only with your consent. Home Equity Loan vs. Line of Credit: Which Should You Choose? No late fees or interest charges because this is not a credit card. Call Customer Service at our toll-free number. 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. Its a convenient way to get paid, each pay period. C. Retain Your Check. Card may be used everywhere Debit Mastercard is accepted. We may require that you send us an image of your approved check with VOID or another word or phrase written on it. 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. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. For security reasons, we may further limit the amount or number of transactions described below.We determine the maximum cumulative amount of your value loads and your Card Account by aggregating activity and value of all Card Accounts you have that are managed by Netspend (issued by any bank), whether you are a Primary Cardholder or Secondary Cardholder. Territories and Commonwealths and be inside the United States or the U.S. How do I remove my name off of future offer mailing offers? You must log in to the Brinks Money Mobile Banking app to access Ingo. Set your deposit frequency (daily, weekly, or monthly) > Save, Low-balance Reload1. All customers: $500 to $2,500 per day depending on the account. 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. For additional information, please review our advertising disclosure. When your free trial ends, you will automatically be billed from your Brink's account balance based on the total number of cards on your account. Additionally, you can withdraw cash surcharge-free at Allpoint ATMs. 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. This amount will be adjusted directly from your Brink's account balance. Government payments must be deposited in full. Learn more in our full review. 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). What Are Different Types of Credit Cards? Here is a list of banks that will allow you to deposit a check of up to $10,000 via mobile deposit. Alpharetta, GA 30009. capital One. Sure thing. 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. That includes in stores, over the phone or online. You can use a Skylight Check to withdraw all of the money that is in your Brinks Money Account. K. Your Representation and Warranty; Rights Upon Dishonor. Consolidating vs. For payroll and government checks with a pre-printed signature: 2% of the Check Amount, with a minimum fee of $5.00. After a Violation is Resolved, When Will My Card Turn Back On? Mobile check deposit is a banking feature that allows customers to deposit checks through their banking app, as opposed to in person. Ingo accepts most types of government, payroll, personal or other checks for review and approval. Get more with Brink's Preferred! The Ingo portion of the Brinks Money Mobile Banking app is the proprietary intellectual property of Ingo Money, Inc. and its partners and suppliers subject to copyright and other protection. 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. 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. 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. Navigate to the Funds tab > Click the Bento Transfer icon2. > You must have a verifiable address inside of the United States or the U.S. 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. 2 Mobile Check Load is a service provided by First Century Bank, N.A. Once your bank processes your transfer, your funds will be made available the same business day*. Only you can decide if depositing your check using a mobile device is worth the risk. How can I enroll in Mobile Deposit? Generally. That's where Tradeline Supply Company comes in. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. 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. This editorial content is not provided by any financial institution. All products, logos, and company names are trademarks or registered trademarks of their respective holders. Compare Business Checking Accounts Reviews. How Do I Reassign a Utility Card to a Different User? Note: Standard text messaging rates from your wireless service provider may apply. Copyright 2020, Brink's Incorporated. We may or may not accept checks you have written to yourself, in our sole discretion. If you dont have this option with your current financial institution, consider opening a checking account with one of the institutions below. How Do I Grant an Employee Login Access to the Web and Mobile App? Depending on your banking habits, you may end up choosing a bank based on its flexibility regarding mobile check deposit limits. She specializes in writing complex information in understandable ways. It's simple to activate it online or over the phone. What is that? Card load limits apply. Subscription Downgrade - You may first need to cancel cards from your account before the downgrade capability is available.Once your cards are deleted to match the card allowance of your desired plan, you will then be allowed to choose that plan. Youve likely heard the stories about the IRS being notified when you deposit a large amount of cash. You shall endorse, assign and transfer to Bank all checks approved for funding. You are responsible for any transactions initiated by you or anyone else who uses your username and password. Card activation and identity verification required before you can use the Card Account. Your Ingo account and your obligations under these Terms and Conditions may not be assigned. But what if you dont have another person with good credit who can add you as an authorized user? 6,000,608 and 6,189,787. You can use your Card to withdraw cash at virtually any ATM that displays the Mastercard Acceptance Mark. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. 3 No charge for this service, but your wireless carrier may charge for messages or data. If you do not receive your Card within 10 business days, call Customer Service at1 (877) 849-3249. $2,500 per day/$5,000 per month for accounts 30 days or older, Varies based on account type, deposit history, Sign the back of your check the way you usually would, Sign into your bank account using the sites mobile login system, Use the banks menu to find the Mobile Deposit tab, Follow the instructions, choosing which account to deposit to, Take a photo of the front and back of the check when prompted, Verify the details and complete the deposit as directed, Bank of America Preferred Rewards Members over 90 days old, Citizens Bank, Citizens Quest Checking accounts over 90 days old, Citizens Bank Circle Checking accounts over 90 days old, Bank of America Preferred Rewards Accounts less than 90 days old, Citizens Bank One Deposit, Ever Value, Student Checking, and Personal Checking with Interest. Ingo Money or Bank may accept or reject your Ingo enrollment for any reason or no reason in our absolute discretion. 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. 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. Some banks have a limit on the amount of money you can deposit in a month. 8 You will endorse, transfer and assign all checks approved for funding to Bank for processing and funding. When will my Direct Deposit funds be available? What Security Measures Does Brink's Take to Protect My Information? Your Card Account must be active and in good standing in order for electronic direct deposits to be credited. Enter the desired deposit amount3. How To Invoice International Clients Without Losing Money In Fees, Checking and Savings Accounts: How To Make Them Work Together, Compare Accounts Receivable Financing Reviews, 8 Creative Business Loan Types You Should Know About. If you believe that any suspension or termination of your account is in error, you may contact us at help@ingomoney.com or by calling (229) 276-3990. How Do I Troubleshoot Two-factor Authentication Issues? Note that most banks have a daily and monthly deposit limit. How Do I Upgrade or Downgrade My Subscription Plan? 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. As an Amazon Associate, I earn from qualifying purchases. The fees associated with Ingo are as follows: NetSpend may impose additional fees or charges on account funding transactions. Download the most recent version . Ingo is offered by First Century Bank, N.A. I didn't order a card but I received a Brink's Money Prepaid Mastercard in the mail. Accounts opened at least 30 days: $2,500 per day, $5,000 per month. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". Transfers must be made in US Dollars from a U.S. Bank Account that is held in the exact same name of the business owner on the Brinks Money account. (Bank), a nationally chartered financial institution, and Ingo Money, Inc. (Ingo Money). Generally the term Ingo means the Mobile Check Load Service and we, us or our means Bank and Ingo Money, although some obligations will be performed solely by Bank or solely by Ingo Money. 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. A limited number of banks will accept checks of up to $50,000 via mobile deposit: Many banks will accept a check of up to $25,000 via mobile deposit. Certain products and services may be licensed under U.S. Patent Nos. If you become aware of an error with respect to the crediting of funds to your Card Account from an Ingo transaction, please notify Ingo as soon as you can by calling (229) 276-3990 or send us an email at help@ingomoney.com. 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. There is no credit check and there is no fee to order the Card. Netspend is a registered agent of Republic Bank & Trust Company. A. B. Ingo Money Obligations. ; Mobile Deposit** - Deposit checks anytime, anywhere for free using your smartphone or tablet. Why Should You Get a Business Credit Card? H. Ingo Fees. Method 2: Deposit Verification1. Pros and Cons of Refinancing Your Mortgage, Questions to Ask Before Refinancing Your Mortgage, SuperMoney's Student Loan Refinance Marketplace, How To Get The Best Student Loan Refinance Rates.