About the Vault card


What is the Vault card?

The Vault Visa® Payroll Card allows you to:

  • receive direct deposit payments from your employer or government benefits
  • avoid check-cashing fees by receiving your wages by direct deposit
  • receive your payroll direct deposit up to two days early*
  • get cash for no fee at thousands of Allpoint® ATMs nationwide
  • make purchases everywhere Visa® debit cards are accepted
  • shop online

Back to list of questions 

Who is eligible for a Vault card?

The Vault card is available to U.S. citizens or legal residents who are 18 years old or older, work for a participating employer, are enrolled in their employer's self-service portal and have a valid Social Security number. Prior to issuing you a card, we will collect your name, address, date of birth and other personal information in order to validate your identity. If we cannot validate your identity, you will not be issued a Vault card.††

Back to list of questions 

How do I sign up for a Vault card?

Sign up for the Vault card through the Employee Self-Service® application provided by your employer. Once approved, you will receive a digital card that you can add to your smartphone's mobile wallet. A plastic card with your name will be mailed to you.

Back to list of questions 

How soon will I receive my personalized card?

After your account is approved, we will mail a personalized Vault card to your address of record. Your Vault card should arrive within 7-10 business days. Your Vault card will arrive in a plain, white business envelope, so make sure to check your mail carefully.

Back to list of questions 

How do I activate my Vault card?

When your personalized card arrives, you should activate it right away! To activate your Vault card, call customer service toll-free at 888-333-4698 or visit www.myvaultcard.com and create your online account.

Back to list of questions 

How do I choose my PIN?

You will need a personal identification number (PIN) to obtain cash at ATMs and make PIN purchases at merchants. You may select your PIN when you activate your Vault Card.

Back to list of questions 

Will I need to update my mobile wallet once I get my physical Vault Visa payroll card?

Yes, once you receive and activate your physical Vault card, your initial digital Vault card number will no longer be active, and you will need to update your card information in your preferred mobile wallet.

Back to list of questions 

How do I add funds to my card?

You may add funds to your card via direct deposit by providing the routing and account number assigned to your card to your employer or benefits provider, receive funds via electronic fund transfer from another financial institution or load cash at thousands of Green Dot® reload locations across the U.S. Click here to find a Green Dot® cash reload location near you.

Back to list of questions 

How can I obtain cash using my Vault card?

You may obtain cash without a fee at thousands of ATMs in the Allpoint® Network in the U.S. and Puerto Rico. You may also get cash at any ATM that displays the Visa® or PLUS logo; however, you may be charged a fee by the ATM owner as well as by us for this transaction. See the Cardholder Agreement at www.myvaultcard.com for details about the fees and cash withdrawal limits associated with your card. In addition, you also may obtain cash at any Visa® member bank by asking a bank teller for an over-the-counter cash withdrawal. You also may request cash back when you make a purchase at retailers offering this service; however, the retailer may charge a fee and have its own limit on the cash-back amount. See the Cardholder Agreement for more details.

Back to list of questions 

How do I manage my account online?

To manage your account, visit our website at www.myvaultcard.com or download the Vault mobile app to your device. After creating your online or mobile profile, you can use the website or mobile app to view recent transactions, view your current balance, suspend or unsuspend your card if it is misplaced, and set up alerts to inform you of activity on your account.

Back to list of questions 

How do I get help with my account if I have questions?

Most answers to your questions can be found when you visit www.myvaultcard.com or use our mobile app. If you need additional assistance, contact our customer service team toll-free at 888-333-4698 24 hours a day, seven days a week.

Back to list of questions 

Is the Vault card a credit card?

No, the Vault card is not a credit card, and we do not check your credit when applying for the Vault card. The transactions you perform on your card are not reported to any credit reporting agency and will not impact your credit score.††

Back to list of questions 

Can my employer see the transactions I perform on my card?

No, your employer does not have any access to your Vault card information, your balance or transaction history. Your Vault card may be loaded with funds from a new or additional employer if you desire. You may also deposit your tax refund and government benefits to your Vault card and receive funds transferred electronically from your bank account.

Back to list of questions 

How old must I be to apply for the Vault card?

You must be at least 18 years old to apply for the Vault card.

Back to list of questions 

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

You should immediately report your card lost or stolen by calling customer service toll-free at 888-333-4698. If you think your Vault card has been used to make fraudulent transactions, call customer service immediately at 888-333-4698. Check your Cardholder Agreement for your responsibility to report a lost or stolen card and about your liability for any unauthorized transactions.

Back to list of questions 

Are there places where I cannot use my card?

Yes. Your Vault card may not be used for illegal online gambling or any other illegal transactions. We may also restrict purchases from certain restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity. For more details about restrictions and limits related to your card, see your Cardholder Agreement.

Back to list of questions 

Can I add my Vault card to my mobile wallet?

Yes! Your Vault card may be added to your Apple Pay®, Google Pay® or Samsung Pay® mobile wallet. After successful enrollment, you will receive an email confirmation about adding your Vault card to your preferred mobile wallet. When you receive and activate your personalized plastic card, your initial digital Vault card number will no longer be active. You will need to update your card information in your preferred mobile wallet.

Back to list of questions 

What are the fees on the Vault card?

A complete list of associated fees for your Vault card can be found in your Cardholder Agreement or at the Fee Information link at www.visaprepaidprocessing.com/Content/PRCZ94/_Docs/Program.Terms.MainContent.pdf.

Back to list of questions 

Is my money insured by the FDIC?

Yes. The funds on your Vault card are insured by the Federal Deposit Insurance Corporation to the maximum amount allowed by law through The Bancorp Bank, Member FDIC.

Back to list of questions

How do I use my Vault card at gas stations and restaurants?

  • Gas stations - If you use your card to pay at the pump prior to dispensing fuel, a temporary hold of $100 or more will be placed on your card for the anticipated purchase. This hold will be released within 7 days after you complete your purchase (depending on the gas station's policies). To avoid this hold, you may go inside the gas station and pay the cashier the exact amount of fuel you wish to purchase.
  • Restaurant and other tip-based services - Restaurants, salons, barbers and other merchants who accept tips may add 20% to the cost of your purchase to cover anticipated tips. Be sure the balance on your card is sufficient to cover this extra amount or your transaction may be declined. When the merchant finalizes the transaction, usually within 7 days, the exact amount of your purchase will be debited, and any excess funds held by the merchant will be available for use.
  • Hotels - Hotels may put a hold on your funds in the amount of the expected bill, plus any potential incidental charges you may experience. The hold may last from the time you check in to a few days after you check out.
  • Auto rentals - Most auto rental establishments may require you to reserve your car with a credit card. You may be able to finalize the payment using your Vault card when you return the vehicle. Please check the auto rental establishment's debit card payment policies for details.

Back to list of questions 

What are the main features of my Vault card?

  • Get your payroll direct deposit up to two days early*
  • Make contactless payments through your mobile device's digital wallet
  • Get balance and transaction alerts
  • View your balance and recent transactions
  • Suspend/unsuspend your card
  • Get cash without a fee at thousands of Allpoint ATMs nationwide
  • Make purchases everywhere Visa® debit cards are accepted
  • Get cash back at retailers who offer this service (retailer may charge a fee and limit cash back amount)
  • Load cash at thousands of Green Dot® reload locations nationwide (retailer fees apply)

Back to list of questions 

*Early direct deposit availability depends on timing of payor's payment instructions, and fraud prevention restrictions may apply. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. As such, the availability or timing of early direct deposit may vary from pay period to pay period.

See app or visit myvaultcard.com or allpointnetwork.com for surcharge-free ATM locations. Fees apply for out-of-network withdrawals. See your Cardholder Agreement for full list of applicable fees for your card. ATM limits apply.

††To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other identifying documents.

Vault does not charge a fee to load cash to your card; however, other fees such as third-party and cash deposit fees may be charged by the retailer.

By clicking on some of the links above, you will leave the Vault website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Vault. We recommend you review the privacy statements of those third-party websites, as we are not responsible for those third parties' privacy or security practices.

The Vault Visa® Payroll Card is issued by The Bancorp Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Green Dot is a registered trademark of Green Dot Corporation. Allpoint is a registered trademark of ATM National LLC. Visa is a registered trademark of Visa International Service Association. Apple, Apple Pay and the Apple Pay logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google, Google Pay and the Google Logo are registered trademarks of Google LLC. Samsung and Samsung Pay are trademarks owned by Samsung Electronic Co., Ltd. All other trademarks are the property of their respective owners.

Last updated June 24, 2022.