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.

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. 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 Dependent OnCard cardholders that have limited rights. The Primary and Secondary can transfer money to and from any of the Dependent OnCards. This capability is great for managing allowance, providing college students controlled access to money, or delegating 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, unlock and alert services.

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

account.

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.

To enroll in your own OnCard account, you must be at least 18 years old. You may add a Secondary cardholder that is also 18 or older. When adding up to five additional Dependent OnCards, cardholders must be age 13 or older. Dependent cardholders under 18 must be on an account where the Primary is their parent or legal custodian.

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

1. Managing your money 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 allowance, supporting your student providing an expense card for a nanny, delegating purchase responsibility, or teaching financial literacy.
3. Having a card to use online or with person-to-person payment services.

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.

There is a one-time fee of $5 to enroll for OnCard. If you’d like to add additional cardholders to your account, there is a one-time fee of $3 per additional cardholder.

There is a one-time fee of $5 to enroll for OnCard. If you’d like to add additional cardholders to your account, there is a one-time fee of $3 per additional cardholder.

No, a credit check is not required to open an OnCard account. OnCard is a reloadable prepaid debit card and no credit check is performed.