The Bold Account is a demand deposit account issued by Pathward®, N.A., Member FDIC. Bold.org, Inc. is a financial technology company, not a bank.
The Bold Account is a demand deposit account issued by Pathward®, N.A., that allows you to transfer funds, set up direct deposits, view transactions, withdraw funds, earn Bold Points,* and more. The Bold Visa® Debit Card is a debit card issued with your Bold Account that allows you to use your account. The Bold Account is designed for students and graduates who want a straightforward way to manage their finances while earning rewards* that can help pay for school.
How the Bold Debit Card Works
The Bold Debit Card functions like any other debit card and can be used anywhere Visa debit cards are accepted, including online, in stores, and at ATMs.
Transactions & Payments
Use the Bold Debit Card for everyday spending, including shopping, dining, and bill payments.
Withdraw cash from ATMs or at the grocery store.
Make contactless payments using Apple Pay® or Google Pay™.
Earning & Redeeming Bold Points*
Earn 1 Bold Point for every $1 spent on eligible purchases.
Redeem points for cashback or student loan payments.
Banking & Fund Transfers
Direct Deposit – Receive paychecks and other deposits directly into your Bold Account associated with your Bold Debit Card.
Bank Transfers – Move money between linked bank accounts.
Smart Transfer¶ – Automate fund transfers when your balance reaches a set threshold.
Debit Card Transfers – Transfer money within minutes from another debit card to your Bold Debit Card without needing to link a bank account.
Key Features and Benefits
The standout feature of the Bold Debit Card is its innovative rewards system.* For every $1 spent on eligible purchases across categories, you’ll earn 1 Bold Point. You can redeem your points for cashback or student loan payments. For example, 6,000 Bold Points can be redeemed for $30 cashback or $45 toward a student loan payment.*
Pro Tip: You can also accumulate Bold Points* by engaging with the Bold.org website! By applying for scholarships, referring friends, submitting surveys, and more, you can earn additional Bold Points to redeem.
However, the rewards program is just one of the many unique features. Here are some additional features:
No Annual Fees. No hidden fees. No foreign transaction fees. No credit limit fees. No monthly fees.
Early Pay – Access direct deposits up to two days early.**
Direct Deposit – Receive payments directly into your account.
Scholarship awards from Bold.org can be deposited onto the Bold Debit Card.||
Smart Transfer – Automate fund transfers when your balance reaches a threshold you set.¶
Contactless & Digital Wallet Payments – Compatible with Apple Pay and Google Pay.
FDIC-Insured Deposits – Coverage up to $250,000.†
Mobile App Access – Manage your account on the go.
Subscription Payment Rewards – Earn Bold Points on recurring subscription payments.#
View our Bold Debit Card page to learn about all our features!
Managing Your Account
Through your Banking dashboard, you can:
Redeem Bold Points for cashback or student loan payments.*
View all transactions
Track all your Bold Points*
Transfer funds between linked accounts
Add funds to your account
Set up Early Pay**
Lock and unlock your card
Change your PIN
Order a new card
View your statements
View subscription payments
Redeem your Bold Points for cashback or student loan payments*
And so much more!
Security Measures
The Bold Account and Bold Debit Card include comprehensive security features to help protect your account.
We employ advanced security protocols and cutting-edge technology to protect your financial information and help prevent fraudulent activities.
You'll receive real-time transaction alerts for every transaction so you can identify and respond to any unauthorized activity.
Your deposits in your Bold Account are FDIC insured up to $250,000 by the United States government.†
You can lock your debit card, update your PIN, and request a replacement debit card directly through the platform.
Customer Support
We understand that even with the most user-friendly online interfaces, a call or email to an agent might be what you need to resolve your issues. For assistance, contact our customer support at contact@bold.org or call 833-238-7992 (the number is also on the back of your debit card).
Frequently Asked Questions About the Bold Debit Card
How does the Early Pay** feature work?
Early Pay allows you to receive your paycheck up to two days earlier** by linking your payroll to your Bold Account associated with your Bold Debit Card. Your paycheck will be deposited directly into your account on the day we receive the funds.
Learn more about Early Pay here.
Does the Bold Debit Card really have no annual fees?
Yes, the Bold Debit Card really has no annual fees. Additionally, there are no hidden fees, foreign transaction fees, or credit limit fees. We want to make the Bold Debit Card as accessible as possible to teens and students so that they have a tool they can use to help pay for school.
Learn more about Bold Debit Card fees here.
Is there a limit to how many Bold Points* I can earn?
No, there is no limit to how many Bold Points you can earn.
Learn more about Bold Points here.
The Bold Account is a demand deposit account provided by Pathward®, N.A., Member FDIC. Bold Visa® Debit Card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa debit cards are accepted. Visa is a registered trademark of Visa U.S.A. Inc. Bold.org is a registered trademark of Bold.org, Inc. All other trademarks and service marks belong to their respective owners.
All trademarks and registered trademarks are the property of their respective owners. All trademarks are used for informational purposes only and do not imply any affiliation with, endorsement by, or sponsorship by the trademark owners.
*Rewards, Bold Points, cashback, and student loan payments are not products or services offered or endorsed by Pathward. Pathward does not endorse these offerings.
**Early direct deposits will generally be posted on the day they are received, which may be up to two business days prior to the scheduled payment date. Some direct deposits may not be eligible for Early Pay. Early Pay may be delayed due to fraud prevention screening, system processing, or account restrictions. Get in touch at contact@bold.org with any Early Pay questions.
†Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. Bold.org, Inc. is not itself a bank or a FDIC-insured institution and the FDIC’s deposit insurance coverage only protects against the failure of a FDIC-insured institution. Pathward, National Association is a FDIC-insured depository institution.
‡Bold.org publishes and hosts more exclusive scholarships than any other scholarship platform and is the only major scholarship platform to feature integrated banking rewards. Banking rewards are not a Pathward product or service. Pathward does not endorse this offer.
||Receiving a scholarship on the Bold Debit Card is a service provided by Bold.org and is not affiliated with our Bank partners/Pathward®.
#Switching your subscription payments to your Bold Debit Card is a service offered by Bold.org and is not affiliated with our Bank partners/Pathward®.
¶Smart Transfer is a service offered by Bold.org and is not affiliated with our Bank partners/Pathward®. The service automatically initiates a transfer when the user's account balance reaches the specified threshold, but it does not guarantee an immediate deposit of funds. Transfer times are subject to standard processing periods.
††The features associated with the Bold Debit Card discussed in this blog post are provided by Bold.org and are not affiliated with our Bank partners, Pathward®, or Visa.