Q.  Why should I sign up for a Direct Deposit Access Card? What features does it include?

A. The Direct Deposit ATM Pay Card has three different features:

1. Direct Deposit ATM Pay Card: It allows you to receive Direct Deposit even if you do not have a bank account. On payday you will have instant access to your pay at over 1,000,000 ATM machines nationwide. You never have to deal with the hassles of check cashing. No more waiting for mail to arrive, lost or stolen checks, standing in a long line to cash your check or showing ID.
2. Direct Deposit Bank Account: You will have your own FDIC insured check-less bank account. You can pay your bills electronically or have your account debited.
3. Get up to Extra Cash(available on the card):  If you are ever short all you have to do is go to any ATM and get up to * cash over your paycheck. Extra cash is always available on the card. There is No Credit Check or application to fill out, Bad Credit is Ok and with Direct Deposit you are Pre-Approved. Additional money is available on top of your pay and there is no charge if you do not use it.

Q. How do I qualify for a Cash Access Card?

A. If your employer offers Direct Deposit, you are already qualified!  Just fill out our simple questionnaire and provide one form of picture ID. You may fax or mail your application back to us.(Social Security, Pension, Retirement, Payroll, etc. )

Q. Is there a credit check?

A. No. There is no credit check, but in order to get approved for Extra Cash Privileges, you must transfer and receive Direct Deposit on the Card.

Q. How do I know if my pay was deposited to the Access Card?

A. On payday, money is already available with your Access Card! You'll also get a pay stub with all the usual tax, deductions, and other information from your employer.

Q. How do I get my pay?

A. You can make purchases at any retailer displaying the ATM/Debit logo, or withdraw cash 24 hours a day at any automated teller machine.

Q. How do I determine my account balance?

A. Information is available 24 hours a day, using an 800 number and a touch-tone phone. You also get a monthly statement showing all deposits, withdrawals, purchases and fees for the month.

Q. What are the fees associated with this card**?

A. Cash Access Card charges a monthly maintenance / statement fee of .00, a $1.00 fee for each ATM/POS transaction, a .00 ATM cash withdrawal fee and overdraft fee if applicable. These fees are not more than what banks usually charge, however - *For people currently using a check cashing service, Access Card fees can be much less than those paid to check cashing services.*

Q. Is my money safe?

A. Yes. All accounts are FDIC insured up to ,000. (Republic Bank & Trust.)

Q. What if I already have a checking account? Do I need to close it?

A. No, you may have both. All you have to do is sign up for the Cash Access Card and have your direct deposit go to the ACCESS card. Remember there is no NSF fee on the card and you will have access to extra cash when you need it.

How To Apply

How long does it take to get my account?

Day 1)  Fax the completed application & Picture ID to 1-312-577-0626(Agent#AG008)or

1-866-254-9866(ID#AG008)       

If you have a fax number, we will fax back to you, your new bank account number & a Voided Check* the same day. (To start your Direct Deposit, please turn this in to your Employer immediately.)

Day 2)  We will mail you a Debit card, your new Bank Account number and a Voided Check.* (To start your Direct Deposit, please turn this in to your Employer immediately.)

Day 3)  We will mail you your PIN number.

*Voided Check: Some companies require a voided check to start direct deposit. This is a checkless account, and you may not write or print checks on this account.