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Security

Stay protected from fraud with these features included on your spendwell account.
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You’re Safe with spendwell

After you register your account, you will not be held responsible for fraudulent purchases. And you can easily freeze your card if it’s ever lost or stolen.

Built-in security for your spendwell account:
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FDIC Insurance

Your funds are FDIC insured once we receive them in your account.
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Visa’s Zero Liability

means you won't be held responsible for unauthorized charges on your card.
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Safe & Secure

Quickly & easily freeze your card if it gets lost or stolen to help protect against fraudulent charges.

FAQs

What is fraud protection?

Use your spendwell® card online or off, knowing you are protected against fraudulent charges. It’s important that you monitor your transactions closely and call us immediately if there are suspicious charges on your account. You should review your monthly statements and consider setting up text and/or email alerts to stay in the know about your account.

 

Your spendwell transactions are covered by Visa®’s Zero Liability Policy. See the spendwell Cash Back Bank Account Deposit Account Agreement and the spendwell No Monthly Fee Bank Account Deposit Account Agreement for details, including your obligations for reporting fraudulent transactions immediately. If you notice any suspicious charges, please call us immediately at 1-833-609-8472.

What should I do if I can't find my spendwell card and I am concerned it is lost or stolen?

You can temporarily freeze your card to prevent further transactions, including any automatic or recurring payments made from your spendwell account, while you search for it. Please note: Your card will automatically unfreeze after 7 days.

 

Follow the steps below to temporarily freeze your card:

  1. Log in to your spendwell account
  2. On the home screen, select your Main account
  3. Click or tap the gear icon
  4. Select Freeze Card 
  5. Click or tap the button next to Freeze Your Card.
  6. You will return to your main account and your card is now frozen

 

If you find your card: Log in to your spendwell account. On the home screen, select your main account then click or tap Unfreeze My Card. Click or tap the green button to unfreeze your card and return to your main account.

 

If you cannot find your card: See “How do I replace my spendwell card if it is lost, stolen or damaged?” FAQ below to replace your card.

 

Please note: If you do not unfreeze or replace your card, your card will automatically unfreeze after 7 days.

 

How do I replace my spendwell card if it is lost, stolen or damaged?

 

You can request a replacement card online:

  1. Log in to your spendwell account
  2. On the Home screen, select your Main account
  3. Click or tap the gear icon
  4. Select Replace Card
  5. Confirm your address. Your replacement card will be mailed to the address we have on file for you.
  6. Select the reason you are requesting a replacement card
    • If your card was lost, stolen, or never originally received, we will cancel that card. You should review your transaction history to ensure no unauthorized transactions have occurred. See the Dispute a Transaction FAQs to find instructions on what to do if you find an unauthorized transaction.
    • If your card was damaged, you can still use your existing card for transactions that don't require the 3 or 4-digit security code on your card while you wait for your new card to arrive. When you activate your new card, your old card will no longer work.
  7. Choose your shipping preference
    • $5.00 - Standard Shipping: USPS first class mail delivery. Card will arrive in 7-10 business days.
    • $20.00 - Expedited Shipping: Fedex delivery. Card will arrive in 3-4 business days.*
  8. Select Continue to confirm your card replacement request and then submit your request If you have any questions or cannot successfully replace your card online, contact Customer Service at 1-833-609-8472 to request a replacement card

 

*Expedited Shipping is not available to customers in Alaska, Hawaii, Puerto Rico, Guam, or the U.S. Virgin Islands.

Are funds in my spendwell® Bank Account protected by FDIC insurance?

Yes. The spendwell Bank Account is a demand deposit account established by Pathward®, National Association, Member FDIC. When we receive the funds that you deposit to your spendwell Bank Account, the funds are insured by the Federal Deposit Insurance Corporation (“FDIC”), subject to applicable limitations and restrictions of such insurance. Add Funds transfers will not be FDIC-insured until we receive the funds, even if we make the funds available to you prior to receipt as described in the spendwell® Cash Back Bank Account Deposit Account Agreement and the spendwell® No Monthly Fee Bank Account Deposit Account Agreement.

If I’m concerned about fraud, how do I dispute a transaction on my account?

If you feel that an unauthorized transfer was made to or from your spendwell® account, or there is an error on your monthly statement or transaction receipt, or you need more information about a transaction listed on your monthly statement or transaction receipt (each circumstance, a "Dispute"), you may contact us 24 hours a day, 7 days a week at 1-833-609-8472.

 

You may also write to us at:

spendwell Customer Care

P.O. Box 826

Fortson, GA 31808

 

You must include the following when notifying us of a dispute:

  • Your name and spendwell account number.
  • Description of the transfer or transaction you are unsure about, and an explanation of why you believe it is in error or why you need more information.
  • The dollar amount and, to the extent possible, date of the suspected error.

 

If you choose to call Customer Service and tell us of the dispute verbally, we may require that you send us your dispute in writing within 10 business days.