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OnCard®

Budget. Share. Manage. Enjoy.

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WITH THIS CARD, IT'S ON

Most cards just spend. As a reloadable, prepaid debit card with a built-in money management app, OnCard does so much more. It lets you budget intelligently, share money and track your spending. Can it save the world? No, but it can save you from some of the hassles of managing your money.

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Easy-to-Use App

The power is in your hands with the OnCard mobile app and webpage. Think of it as the command center for all card-related activity. From the app, you can:

 

Add money to your card

View balances, transactions and spending trends

Manage your account and set a budget

 

Share money

OnCard Apple Store App Download

OnCard Google Play App Download

Successful Budgeting

Budgeting isn't always fun, but it's essential. The good news is OnCard makes it easy – and realistic. The OnCard app helps you establish a budget based on your first month of actual spending. The card and app help you:

Plan a budget based on how you want to spend

Track your actual spending against your monthly budget

 

See your spending trends month to month

Adjust your budget categories as necessary

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Simple Money Sharing

OnCard lets you share the wealth. You can seamlessly transfer money to additional cardholders while maintaining visibility and controls. It's fast and easy. You can:

Add a secondary cardholder & up to five additional cardholders

Transfer money to and from additional cardholders

 

View activity for all cardholders

 

Lock and unlock all cards

 

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FAQS

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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. 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.

How do I enroll in OnCard?

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.

What are the age requirements to have an 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.

Who is a good fit for OnCard?

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

Is there a fee to enroll in OnCard?

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.

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. OnCard is a reloadable prepaid debit card and no credit check is performed.

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