Add money, day or night

Add all or part of your paycheck automatically with direct deposit

  • Direct Deposit

    Best Option
  • One of the most convenient ways to add all or part of your paycheck to your prepaid account:

    • Free - No check cashing or load network fees to add money by direct deposit
    • Get Paid up to 2 Days Faster(with direct deposit)
    • Get a $15 Bonus§(with qualifying direct deposit) on your account. Learn More

  • We never charge a fee for Direct Deposit

Deposit Cash on you Prepaid Account at a Store

  • Cash Load Network
  • Nearby Locations
  • Availability

Add all or part of your paycheck automatically with direct deposit

  • Load checks to your AccountNow Card with your smartphone and the free Ingo Money App
  • check cashing deposit ingo money app accountnow
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    • Funds available right away for fee (charged by Ingo) or within 10 days for free. Learn More
    • Load Government, payroll or personal checks conveniently from your phone. Learn More
    • If you haven't deposited a check with your smartphone, get ready to love it!

Questions About Adding Money

Can I use direct deposit for one time deposits?

Yes. You can deposit your tax refund or other one time payments from institutions that offer direct deposit. Use the routing number and DDA number provided on your direct deposit form.

What happens to my direct deposit if I change jobs?

The payments from your previous job will stop automatically. To re-start direct deposit with your new employer, fill out another direct deposit form, sign it and hand it to your new employer.

How do I add cash to my prepaid account?

To add money to your prepaid account using cash, you will need to take your cash and card to a store location that offers one of the following money transfer services:

How much money can I add to my prepaid account at one time?

There is no minimum on the amount you can add to your account; however, there is a daily maximum you can add to your account. The maximum daily limit is $10,000 for Direct Deposit and $1,500 for cash loads, although certain third party money transfer services may have their own daily limits. For cash loads there is also a monthly limit of $9,500.

How often can I add money to my prepaid account?

Cash loads are limited to 5 per day and 30 per month (past 30 days). Third party money transfer services used to load funds to your Card Account, may have their own daily, weekly, or monthly limits.

Why do I have to pay a fee to add cash to my prepaid account?

AccountNow does not charge any fees for adding money. However, if you want to add cash at a store, most stores charge a fee of $3.95 to $4.95. Adding your paycheck automatically is fast, free and easy with direct deposit. We offer special promotions from time to time to rebate or discount the store fee.

How do I know if my money was added to my prepaid account?

When adding cash, the store should provide you with a receipt number or reference number for each transaction. Please save this transaction number. You can also get your balance information using our SMS Text Alert service. Standard text messaging rates from your service provider may apply.

When will the money be available?

Your money will normally be available on your payday if you are using Direct Deposit. If you are loading cash, your money will generally be available instantly.
Get a $15 Bonus
To qualify for the $15 direct deposit bonus, within 6 months after being approved to receive a card you must deposit at least $500 per month via recurring direct deposit in two or more consecutive months. See for additional direct deposit and bonus eligibility requirements.
Special Offer
Imagine getting a bonus just by adding $$ to your Visa Prepaid card. Learn more.


100% Approval subject to ID verification*
No Credit Bureau Check
$15 Direct Deposit Bonus§

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MasterCard Logo- AccountNow Prepaid MasterCard
AccountNow, Inc. is a BBB Accredited Financial Service in San Ramon, CA

AccountNow Gold Visa Prepaid Cards and AccountNow Prepaid Visa Cards are issued by The Bancorp Bank or MetaBank® pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. The AccountNow Prepaid MasterCard (Classic) is issued by MetaBank pursuant to license from MasterCard International Incorporated and may be used everywhere Debit MasterCard is accepted. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Funds are FDIC insured through the Issuer to at least $250,000. Please see the back of your card for its issuing bank. The Bancorp Bank and MetaBank, Members FDIC.

*IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions 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 a copy of your driver’s license or other identifying documents.

**The Visa Zero Liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or other certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit

***Conditions and exceptions apply – see Cardholder Agreement.

§This offer is available to all AccountNow Gold Visa Prepaid Card customers. To qualify for the $15 direct deposit bonus, within 6 months after being approved to receive a card you must deposit at least $500 in qualifying deposits per month via recurring direct deposit in two or more consecutive months. Bonus must be redeemed by phone at 877-553-3767 within 30 days of meeting qualifications. Please see help for eligibility and redemption requirements.

There is no additional charge for this feature. Fees apply to the prepaid card. See your Cardholder Agreement for fees, terms and conditions.

Applies to customers with recurring direct deposits, and will be effective after the first direct deposit is received. Faster access to funds is based on comparison of traditional banking policies versus eligible electronic direct deposit. Direct deposit and early deposit capability is subject to payer's support of the feature and timing of payer's funding.

This is not a credit card. Subject to ID verification.

Ingo Money Disclaimer: Ingo Money is operated by Ingo Money, Inc. and all check funding services are provided by First Century Bank, N.A. (collectively, "we", "us" or "our"). Use of Ingo Money is subject to the Ingo Money and First Century Bank Terms and Conditions, and the information you send to us is subject to the terms of our Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to an hour. All checks are subject to approval for funding in our sole discretion. Unapproved checks will not be loaded to your card. We reserve the right to recover funds from bad checks if you knew the check was bad when you sent it, if you attempt to cash or deposit it elsewhere after funding, or if you otherwise act illegally or fraudulently. App Store is a service mark of Apple, Inc. Google Play is a trademark of Google, Inc. Data rates may apply.

AccountNow is a trademark of AccountNow, Inc. All other trademarks, service marks and other registered marks are the property of their respective owners.
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