Frequently Asked Questions

Getting Started:

How much does it cost to order a SurgePays™ Visa® Prepaid Card?

There is no cost to sign up or to activate your SurgePays^TM Card. For complete details, see the Fee Schedule.

How long does it take to receive my SurgePays™ Card?

Once your order is complete, you should receive your card within approximately 7-10 business days. If you have not received your card within 10 business days, call Customer Service at 1-833-459-3444.

What should I do once I receive my SurgePays™ Card?

When your card arrives, it will be accompanied by printed instructions to activate your card.

Can I get an additional SurgePays™ Card to share my account with a friend or family member?

No. Each account may only be accessed by the card issued in the name of the account holder.

Adding Money:

How do I add money to my SurgePays™ Card?

Choose from several ways to add money to you SurgePays^TM Card:

Direct Deposit – provide your employer or benefits provider with your routing and account number to start your automatic deposit.
Retail Locations – reload at participating locations who offer Green Dot Reload @ the RegisterTM or Visa ReadyLink. Service fees of up to $4.95 may apply. Subject to cardholder load limits.
Mobile Check Deposit – Take a photo of your check with your smartphone and deposit it with the Ingo Money App†.
Bank Transfers
Tax Refunds – Get your refund faster than waiting for a paper check by providing your tax preparer with your bank routing and account number. Your Federal and/or State tax refunds will be deposited directly to your card account.

How do I enroll in Direct Deposit?

Your funds can be Direct Deposited from a variety of sources. Simply complete the direct deposit form that came with your card and provide it to your employer or benefits provider. You can also get your form by logging in to your account online.

Paychecks. Simply provide your employer with your bank routing number and account number.
Government Benefits. Your government benefits, from any government source, can be deposited directly to your card. Visit your benefits provider’s site for direct deposit enrollment instructions.
Tax Refunds. Simply provide your tax preparer with your bank routing number and account number to have your Federal and/or State tax refunds deposited directly to your card account.

Using Your Card:

How do I check my card balance?

Login to surgepayscard.com
Call customer service at 1-833-459-3444
Have alerts‡ sent to your mobile device.
Perform a balance inquiry at the ATM. Fees may apply. See the Fee Schedule for complete details.

‡Standard message and data rates from your wireless service provider may apply

Where can I use my SurgePays™ Card?

You can use your card to make purchases at retail locations, over the phone and online. You can use the SurgePays^TM Card anywhere Visa^® debit cards are accepted. Use ATMs nationwide to withdraw cash. Fees may apply. Withdraw cash fee-free from MoneyPass^® (in-network) ATMs. See the Fee Schedule for out-of-network ATM fee information.

Can I send money to another SurgePays™ cardholder?

Yes. However, there is a fee for card-to-card transfers. See the Fee Schedule for complete details.

Why is the amount pending from my account different from my total spent?

Some merchants, such as restaurants, hotels, gas stations, and car rental agencies, will preauthorize and temporarily hold an amount that is higher than the actual purchase amount. Once the final amount is processed by the merchant, any of the remaining hold amount will be restored to your available balance. In some cases, the initial pending transaction may not include a tip amount. Once you finalize your purchase by adding a tip and signing the receipt, the transaction will be settled for your total purchase amount.

What should I do if my card is lost or stolen?

If your card is lost or stolen, contact Customer Service immediately at 1-833-459-3444.

How do I dispute a transaction?

Contact Customer Service at 1-833-459-3444.

To order your personalized SurgePays^TM Visa^® Prepaid Card, you will be required to provide your name, address, date of birth and other information that will allow us to identify you. Federal law requires all financial institutions and their third-party affiliates to obtain, verify and record information that identifies each person who opens a Card Account. The SurgePaysTM Visa® Prepaid Card is currently not offered to residents of Connecticut and Vermont.

The SurgePays^TM Visa^® Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Certain fees, terms and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and Fee Schedule. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 1-833-459-3444, 24 hours a day.

²Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds is subject to payer’s support of the feature and timing of payer’s funding.

†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..

*Service fee up to $4.95 applies. Subject to cardholder load limits.

‡Standard message and data rates from your wireless service provider may apply.

**Central Bank of Kansas City is not affiliated with the ability to earn cashback, tokens, rewards, or rewards redemption. Central Bank of Kansas City does not endorse or sponsor these offers.

Upon activation of your card, your funds are FDIC insured up to the current coverage limit.

All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.