See below for a list of frequently asked questions.

Click on a link below to jump to the answer you're looking for.

Yes! 👍 When you sign up for the ZayZoon Visa® Prepaid Card account, the digital card is created and we immediately get to work sending you out a physical card via USPS 1st class post. At this time, and until the time that you have received your physical card, your account status is "pending activation". This means:

Once you receive your physical ZayZoon Visa® Prepaid Card in the mail, you can complete the activation of your account by following these instructions. If you have not received your card within 7-10 business days after enrolment, please contact Cardholder Services at 1 (833) 660-1060.

Once you receive your physical card 7-10 days upon enrolment, you will need to unlock it in order to make in-person purchases. To activate your card:

This will set your account status to "active", the $3,000 deposit limit will be removed, and the ZayZoon Visa® Prepaid Card account will work as described in the Cardholder Agreement. If you have not received your card within 7-10 business days after enrolment, please contact Cardholder Services at 1 (833) 660-1060.

In order to deposit your payroll into your account, you'll need to provide your employer with two pieces of information related to your card account: (1) the accounting number and (2) the routing number. Your employer can then update your payroll information to deposit funds into your account. See below for instructions on where to find these numbers.

Note that if you receive a paycheck from more than one company, you will need to update your information with each one. You should never share this information with anyone who is not authorized to credit your ZayZoon Visa® Prepaid Card Account.

The routing and account number can be found under the ZayZoon Visa® Prepaid Card menu in the ZayZoon App. Simply login to your mobile app or at app.zayzoon.com/customers/sign_in/, select the ZayZoon Visa® Prepaid Card menu item, then click the "Direct Deposit" button.

You can view your balance by logging into the ZayZoon mobile app or at app.zayzoon.com/customers/sign_in/. There is a ZayZoon Visa® Prepaid Card tile on the dashboard that displays your balance, card status, and recent transactions. You can also view the balance from the ZayZoon Visa® Prepaid Card menu item.

You will be able to use your ZayZoon Visa® Prepaid Card anywhere debit Visa® is accepted, with the exception of the following (due to Prepaid Card restrictions nationally):

Yes, all cards are usable at the ATM. ATM operator may charge a separate fee. Fees may apply. See the Cardholder Agreement for more details.

Funds loaded on the ZayZoon Visa® Prepaid Card will never expire. The card plastic will expire just like any standard debit or credit card. In the event your ZayZoon Visa® Prepaid Card plastic expires, please contact the number on the back of the card for a replacement. Replacement details can also be found in your Cardholder Agreement.

A purchase with the ZayZoon Visa® Prepaid Card may be declined if the authorization amount exceeds the available balance. If a transaction is declined, you can easily check the available balance via the ZayZoon App as described here. If you are purchasing online, a website must take more than one form of payment if the purchase exceeds the balance on the card. For transactions made over the phone or online, you will need to ensure that you are entering in the billing address that matches your ZayZoon account.

If your card is lost or stolen, please contact Cardholder Services at 1 (833) 660-1060 immediately to lock the funds and to replace the lost card.

You can arrange for your paycheck, government benefits payment, tax refund, or other electronic funds transfer direct deposited to your Card Account using the Automated Clearing House (“ACH”) system (“ACH Deposit”). In order to receive ACH Deposits, you must provide the Routing Number and Account Number as described here. You should never share this information with anyone who is not authorized to credit your ZayZoon Visa® Prepaid Card Account.

Yes, if the ACH transaction exceeds the maximum daily limit the ACH could be returned. In that event, you would need to contact the sender of the funds to make alternative arrangements. Please refer to your Cardholder Agreement for limit details.

The following types of deposits will not be accepted:

Yes, you can arrange for your tax refund to be direct deposited to your ZayZoon Visa® Prepaid Card Account. In order to receive ACH Deposit value loads you must provide the Routing Number and Account Number as described here. You should never share this information with anyone who is not authorized to credit your ZayZoon Visa® Prepaid Card Account.

A: In order to stop ACH Deposit value loads on to your ZayZoon Visa® Prepaid Card Account, you must contact your Payer(s) to notify them to stop making such ACH Deposits.

Before canceling your ZayZoon Visa® Prepaid Card Account, you may use an approved method to remove the funds by completing an ATM withdrawal or making purchases.

You are not responsible for any fees to access your earned wages via the ZayZoon App. The card does not have a monthly maintenance fee.

Like many debit cards, there is an ATM withdrawal fee of $2.50, a $1 ATM decline fee and a $4.95 card replacement fee. There is a $3.95 cash reload fee, so we recommend using direct deposit or earned wage access to put funds onto your card to avoid this fee.

There is also a $0.50 ATM balance inquiry fee. To avoid this fee, check your card's balance, card status and recent transactions on the ZayZoon app or by signing into ZayZoon.

The ZayZoon Visa® Prepaid Card is portable, meaning you can bring the ZayZoon card with you to their next job. You can also use it now if you already have a second job. Note:

You need to be 18 years of age or older to get a ZayZoon VISA® Prepaid Card.

Yes, you can arrange for your tax refund to be direct deposited to your ZayZoon Visa® Prepaid Card Account. In order to receive ACH Deposit value loads you must provide the Routing Number and Account Number as described here. You should never share this information with anyone who is not authorized to credit your ZayZoon Visa® Prepaid Card Account.

Please be aware that there is a $3,000 deposit limit in place temporarily until you receive your physical card and activate it (i.e. within the 7-10 business day window after enrolling). For an active ZayZoon Card, the maximum cumulative daily deposit limit is $5,000. If your anticipated tax refund amount exceeds the amount of $5,000, you should plan to receive your tax refund by check or to a direct deposit account.

We created a short video that demonstrates how to add your ZayZoon Visa® Prepaid Card. Please click here to view.

Click here to watch a short video of the ZayZoon Visa Prepaid Card dashboard. We also go over how to request a payout and how to activate your card.

No, you are unable to use a P.O. Box as the physical address for your ZayZoon Visa Prepaid Card. You must use a residential address.