Understanding OnCard

What is OnCard?

OnCard is a powerful money-management app connected to a reloadable prepaid debit card that allows you to both budget and share money with family and friends.

How does OnCard work?

OnCard works best if you utilize both the money-management app and the reloadable prepaid debit card together.

As a reloadable prepaid debit card, you load money to your card account and only the amount you load is available to access. You can add money to your OnCard over and over, making it an everyday payment tool. OnCard can be used to make purchases at a store, online, to pay bills, and to make person-to-person payments.

With the app, you turn your everyday payment tool into a money-management solution for budgeting and sharing money.

To budget, simply use your OnCard for all your everyday purchases. The app will establish a starting budget for you after 30 days. You can then plan the budget you want by adjusting budget categories. The app will help you track where you're within budget and where you're over budget. Trend reports are created to give you visibility month to month so you can continue to fine-tune and adjust your budget as desired.

To share money, you can add more OnCards to your account. You can add one secondary, which has the same rights as the primary, and up to 5 additional OnCard cardholders. The primary and secondary can transfer money to any of the additional OnCards. The primary can also receive money from any of the additional OnCards. This capability is great for managing allowance, providing college students controlled access to money, or delegating expense purchases.

The app also offers the ability to set aside funds for later use. This allows you to plan for future expenses by reserving money in a separate, visible space within your OnCard account. Additionally, the app provides you card controls like lock and unlock and alert services.

What are the age requirements to have an OnCard?

To enroll in your own OnCard account, you must be 18 years old or older. You may add a secondary cardholder that is also 18 or older. When adding up to five additional OnCards, cardholders must be age 13 or older. Cardholders under 18 must be on an account of a parent or legal custodian.

Who is a good fit for OnCard?

OnCard is a great solution for you if you are interested in:

  1. Managing your money through budgeting to help: stay out of debt, plan for expenses, grow your savings, prepare for retirement, manage a fixed income.
  2. Sharing money with others, such as paying your child’s allowance, supporting your college student, providing an expense card for a nanny, delegating purchase responsibility, teaching financial literacy.
  3. Having a card to use online or with person-to-person payment services.

Where can I use OnCard?

You can use your OnCard to make payments anywhere Visa is accepted, including person-to-person platforms. You may also get cash at an ATM, or by getting cash back from a transaction. OnCard is also a great way to pay bills and purchase online.

Is there a fee to enroll in OnCard?

There is a one-time fee of $5 to enroll for OnCard, with a similar $3 fee per additional OnCard.

Will my credit report be checked to determine if I can get an OnCard?

No, a credit check is not required to open an OnCard account. Since no credit check is performed, your usage does not affect your credit history or rating.

Establishing your OnCard Account

How do I enroll in OnCard?

You can enroll online by logging into your regular California Bank & Trust Online Banking account, selecting Services < Apply Now > OnCard® Prepaid Debit Card. You may also visit a branch location. You must have a California Bank & Trust deposit account (checking or savings) with us to qualify for the OnCard.

If you do not yet have a checking or savings account, you may open one at a branch or online. If you apply online, you will need to wait until you receive email confirmation of your new checking or savings account before enrolling in OnCard.

How do I enroll additional OnCards?

You can enroll an additional OnCard any time by opening your OnCard App, selecting My Account/Add Additional OnCard. Additional OnCard cardholders do not require a California Bank & Trust checking or savings account to be enrolled.

Why do you need my Social Security Number?

We are required to collect this information to identify all cardholders in compliance with the USA Freedom Act, which helps minimize the risks associated with money laundering and terrorist funding.

Is the information I submit online safe?

Yes. The technology supporting OnCard is PCI (Payment Card Industry) compliant and uses Transport Layer Security (TLS) to secure any data transferred to and from pages where you submit or view personal information.

How many OnCards can I order?

There is a limit of one primary OnCard account per individual. Once you have your primary OnCard account, you may allow one secondary cardholder and up to five additional OnCards within your account.

Although you may only have one primary OnCard account, you are allowed to be a secondary or dependent on up to 5 other accounts.

How long will it take to receive my OnCard?

If you enroll for your OnCard at a branch location, we can issue the primary cardholder a temporary card instantly. A permanent card will be mailed to the primary and all additional enrolled OnCards within 7-10 days. The timeframe of 7-10 days also applies to online enrollment.

Where will additional OnCards be sent?

All OnCards will be sent to the primary cardholder’s address on file.

How do I activate my OnCard?

You may activate your card by visiting the OnCard activation pages below, or by calling into the customer service number on the back of your card.

How do I set up my personal identification number (PIN)?

You can set up or update your PIN by opening your OnCard app or accessing the website, selecting Card Management > Change PIN.

Loading your OnCard

How do I put money on my OnCard?

There are several ways to load your OnCard. You can transfer funds from your California Bank & Trust bank account, add cash at a branch location, direct deposit funds, or transfer funds from a third-party bank.

How do I load using my California Bank & Trust bank account?

On the OnCard app or website, navigate to Add Money > Load Card.

How do I load using another bank account?

You can establish funding from another bank account by logging in to the OnCard app or website, selecting Add Money > Funding Accounts. After inputting the account information, we will send two trial deposits to that account that you will need to verify. These trial deposits may take two to three days to show in your history. When you find them, return to the OnCard app or website and click Verify Funding Source. Enter the trial deposit amounts in the two fields provided (the order doesn’t matter). Once you’re finished, you will be able to load by clicking Load Card any time from the app or website. Transfers from third-party banks take 3-5 business days to be funded to your OnCard account.

How long do I have to verify a funding account?

The trial deposits are valid for 45 days from the date you requested to add that account. After 45 days, or if you enter the amounts incorrectly 3 times, you will need to remove the funding account and start over.

Where can I load cash?

You can load cash to your OnCard at any location in our great family of banks. This includes: Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank, and Zions First National Bank. OnCard cannot be loaded at an ATM.

How do I set up Direct Deposit?

Log into the OnCard app or website and select Add/Transfer Money > Direct Deposit. Your direct deposit information will include the routing number and account number, including the option to view and print (website).

Can I use OnCard for person-to-person payments, such as Venmo?

OnCard works with all Visa connected person-to-person applications. Please refer to the specific application for possible restrictions.

How do I transfer money to other OnCards within my account?
You can transfer money by logging in to the OnCard app or website and selecting Add/Transfer Money > OnCard to OnCard Transfer.

You can also load funds directly to another OnCard by the same process used to load your own OnCard – just select their card when loading.

Is there a minimum balance for OnCard?

No, there is no minimum balance requirement. However, if all OnCards within your account maintain a zero balance with no activity, the account may be subject to closure after a year.

What is the maximum balance I can have on my card?

Maximum monthly balance of all OnCards combined is $10,000.

Is there a minimum or maximum load amount?

The first load has a minimum of $25 and a maximum of $1,000. After that, there is no minimum load amount for loads from your account, direct deposit, or loading cash at a branch location.

When loading from a third-party bank account, the minimum load is $25.

There is a maximum load amount of $3,000 per day per account. Maximum requirements are established on prepaid accounts in compliance with anti-money laundering measures.

Spending with your OnCard

Can OnCard be used for online purchases?

Yes. OnCard is a great tool for online purchases.

Can OnCard be used for PIN purchases?

Yes, you can use OnCard for PIN purchases.

Can OnCard be used for credit/signature purchases?

Yes. If the merchant’s terminal accepts credit, select the credit option. You will be asked for your signature and will not be asked for your PIN. Please note that your card is still a prepaid debit card and can only be used for the funds available on your account. Selecting credit only changes the way the card processes. It does not change your card type, and therefore does not extend you credit.

Can I pay bills with my OnCard?

Yes. You can use your OnCard the same way you would use any Visa card for payments.

What happens when I return something I bought with my OnCard?

Any refund for goods or services will be provided in the form of a credit to your OnCard. While most merchants settle these at night, this may vary depending on the merchant. Verify with the merchant when you should expect to see a credit. Typically, a credit from a return should reflect on your OnCard within a few business days.

Can I use Apple Pay, Samsung Pay, or Android Pay with OnCard?

These services are currently not supported by OnCard.

What is an Authorization Hold?

When paying for certain kinds of transactions with your OnCard, the merchant accepting the card may request advance authorization of that transaction and may estimate the amount of the transaction. This is usually because the final purchase amount is not known at the time you present your card. For example:

  • Gas stations will accept the OnCard to prepay for fuel inside the station, but "pay at the pump" purchases may be authorized for an amount greater than the gas purchase.
  • Restaurants, hotels, and car rental agencies may get authorization for an estimated purchase amount, rather than the actual purchase amount.

An “Authorization Hold” is a temporary hold on the funds available on your card for the amount of that authorized transaction. An Authorization Hold generally will be released within 3 business days after the date we authorized that transaction. However, certain merchants—especially rental car companies, hotels, and others that authorize high dollar amounts—may cause an Authorization Hold to remain in effect for an extended period of time. You can see each Authorization Hold on the funds available on your card at any time by calling the number on the back of your card or logging in to the OnCard app or website. Certain transactions may be handled differently by different merchants. If you are unsure of a merchant's policy, it's best to ask before presenting your card.

Are there limits on purchases or other withdrawals?

There is a daily limit for cash from an ATM of $500. The maximum amount for cash back from merchants is $100 per transaction and $500 per day. The daily limit for over-the-counter cash at a third-party bank $100 per transaction and $300 per day. The daily limit for all transactions, including purchases at Visa Merchants, is $3,000.

What’s the difference between my pending transactions and posted transactions shown on the OnCard app or website?

Pending transactions are authorizations for a specific amount that have not yet been processed for payment. The funds are still in your account, but are reserved and cannot be used. A posted transaction has been submitted and cleared for payment. The amount of the transaction has been deducted from the funds available on your OnCard.

How can I withdraw cash with my OnCard?
You can withdraw cash at any ATM that displays the Visa or STAR logo. There is no fee when receiving cash from any of our branch locations, which includes: Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank, and Zions First National Bank.

Some merchants will allow you to receive cash back when you use your OnCard and PIN to make a purchase.

Can I use my OnCard while travelling?
Absolutely. OnCard is great for travelling. The reserve feature helps you store money in advance for travel expenses. The OnCard app gives visibility to your spending. Also, additional OnCards are great for families with teens to establish or manage a travel budget.

As with other payment tools, we recommend notifying the bank of your travel plans to help avoid card disruption while traveling. While Visa is accepted worldwide, for international travel, please be aware that OnCard does not currently come with an EMV chip. Some countries require chip technology, so please check your country of travel for chip requirements before you leave.

Engaging with your OnCard

How do I start my budget?
Knowing where to start can be the hardest budgeting step. OnCard solves that issue. For the first month, simply use your OnCard for all your everyday purchases and the app will establish a budget based on your spend. Traditional budget tools use a template that assumes everyone spends the same way based solely on income.

After you've learned where you’re spending, you can plan the budget you want by adjusting category allotments to fit your needs.

The app will help you track where you're within budget and where you're over budget to help you be conscious about the spending choices you make.

Trend reports are created in the app that give you visibility month to month so you can continue to fine-tune and adjust your budget as desired.

OnCard helps make budgeting more personal, real, and puts you in control.

How do I set aside money within OnCard for later use?
OnCard allows you to remove funds from your available balance and save them for later.

Login to your OnCard app or website, select Add Money > Reserve, then specify the amount you want to reserve.

Funds in Reserve can’t be used towards purchases until you move them back to your available balance.

How do I check my balance or see my transactions?

You can check your balance and transactions any time in the OnCard app or website. You can also call the number on the back of your card.

Will I receive statements showing charges on my OnCard?

Yes. Once you activate your OnCard, you will receive periodic electronic statements showing all activity on your OnCard. To access your statements, go to My Account > Statements within the OnCard app or website.

Can I lock and unlock OnCard?

Yes. You can lock and unlock your OnCard using the app or website. The Primary OnCard account holder can lock and unlock additional OnCards within their account.

What are Alerts?

Alerts are a way of getting automated notifications about your balance, transactions, and status. You choose the Alerts you want to receive and how you want to receive them—either as an email, or push notification delivered to your wireless phone or other mobile device. Standard messaging or data rates may apply.

How do I set up Alerts?

Within your OnCard app or website, select My Account > Alerts. You can choose to receive alerts for additional OnCards as well. Remember to check your phone settings to allow push notifications from OnCard.

Can I have Alerts go to multiple phone numbers?

No. You can have alerts sent to only one mobile phone number. However, each cardholder can choose to receive alerts for their card. Additional OnCards cannot receive alerts for any other OnCard.

What if I need a replacement card?

You can order a replacement card using the OnCard app, website, or by contacting the number on the back of your card. Your first two replacement cards are free. There is a $5 fee per replacement thereafter.

What if my OnCard is lost or stolen?

First, lock your card using your OnCard app or website. Second, notify the bank. You can use your OnCard app or website by selecting Card Management > Report Card Lost/Stolen, or call (888) 202-0716. If your card has been used for unauthorized purchases, a customer service agent will be able to assist you with the dispute process.

What do I do when my OnCard expires?

We will send you a new card before your expiration date. Please remember to update any recurring payments, as your replacement card will have a new number.

How do I update my address?

You can update your address through online banking or by calling our customer care center at (800) 400-6080.

What controls do I have for the additional OnCards on my account?

Both the primary and secondary cardholders have full controls on all cards. You can transfer money in and out of each card, lock the cards, lock the ability to manage, or fund a card. You can lock or unlock various features at any time through the OnCard app or website.

To manage access controls in the mobile app or website go to Card Management>Access Controls.

Please note, our customer service agents will assist an additional OnCard cardholder if he/she reports a card lost or stolen, even if card management is disabled. All new and replacement cards are sent to the primary cardholder address on record.

What happens to funds on my OnCard account if I close it?

For additional cards, your remaining balance will be transferred back to the primary account. When a secondary cardholder cancels, the funds remain on the primary card holder’s account.

You should remove all funds from your card prior to canceling. You can do this by using your card in a split tender transaction or by bringing your card to a branch location to close. The bank can give you cash or transfer the remaining balance back to your California Bank & Trust bank account. If the primary cardholder closes their OnCard account, California Bank & Trust will transfer any remaining balance back into the primary cardholder’s California Bank & Trust bank account. If the California Bank & Trust bank account has also been closed, California Bank & Trust will issue a check to the latest address on file. The refund process may take up to 30 days, so please try to use your entire balance prior to closing.

How do I dispute a transaction?

To dispute a transaction please call (888) 202-0716, or the toll-free number on the back of your OnCard to speak to one our customer service representatives. For the phone numbers, you can use the list below: