How Can We Help You?

There are many ways to add money to your spendwell account. You can add money to your account using any of the following methods:

• Direct Deposit - Setting up direct deposit is free and helps you get your paycheck or government benefits up to 2 days faster.¹
• Funds - You can add funds to your account directly at the register at Dollar General locations or at thousands of participating retailer locations. Just give the funds you want to add to the cashier and use the spendwell Mobile App to generate a barcode on your smartphone for the cashier to scan or swipe your spendwell card, and your money will be available in your account. There is no fee for adding funds with barcode reload at Dollar General, but a per transaction fee of $3.95 will apply if loading funds by swiping your card at other locations.
• Checking or savings accounts – You can add money to your spendwell account by transferring from an external bank account.
• Check – Conveniently cash a check using Mobile Check Capture from Ingo^® Money² on the spendwell Mobile App.³
• Money Request – You can send a request for money to another spendwell accountholder.

To set up Direct Deposit, follow the steps below:

1. Log in to your spendwell account and go to Money In.
2. Select direct deposit to view your spendwell account number and bank routing number.
3. Print out and complete the spendwell Direct Deposit Form and submit it to your employer or benefits provide to process the request. Certain employers may require you to use their own form or process. It may take one or two pay periods before your direct deposit will take effect.

Yes, once you receive and activate your personalized spendwell card and set up a PIN, you can use the Visa® debit card issued with your spendwell Bank Account for ATM withdrawals anywhere Visa debit cards are accepted, including international ATMs.

Certain types of transactions where the full amount is not known at the time of payment come with a preauthorization hold – which means that until the transaction clears, the merchant will hold additional funds to make sure you have enough funds to cover the transaction.

The funds subject to the hold will not be available until the transaction has fully completed or after the hold time expires (typically 7 days but could be up to 30 days with rental car agencies).

These merchants/types of transactions include:

• Paying for gas at the pump
• Travel reservations (hotels, motels, etc.)
• Restaurants
• Rental car agencies
• Cruise lines
• & other similar merchants

When this happens, your available balance may look lower than you were expecting, and it you may wonder if you were overcharged. If the transaction was one of the above or something similar, wait until the transaction clears as it is likely that the merchant has placed a “preauthorization hold” on your account for more than the purchase amount until the transaction has closed out. If after the transaction has cleared, you still feel the amount is more than you were expecting, contact the merchant directly or contact customer service. 

When using your spendwell card for the above transaction types, there is no way to avoid the preauthorization holds.

For travel and reservation-related transactions, you can avoid having excess funds held on your account by always completing the transaction with the same card you used to make the reservation. If you use your card to make a reservation, but then use a different card to close it out, it could put a hold on your funds for up to 30 days. However, if you use your card for the reservation and to complete the transaction, the hold on your card will be much shorter.

To avoid a preauthorization hold when purchasing gas with your spendwell card, be sure to know your balance and always go inside to pay before you pump your gas rather than paying at the pump. This will complete the transaction immediately and additional funds will not be held.

If you need to change the ATM PIN associated with your account, follow the steps below:

1. Log in to your spendwell account and go to My Profile.

2. Select Change ATM PIN, located under the settings section.

3. Confirm the current ATM PIN associated with your account.

4. Now choose a new ATM PIN and enter it in the form fields provided. Your new ATM PIN must meet the following requirements:

• Cannot be the same four numbers, i.e. 1111, 2222, etc.
• Cannot be four sequential numbers, i.e. 1234, 9876, etc.
• Cannot be the last four digits of your Social Security Number
• Cannot be the year you were born

5. Confirm your new ATM PIN and select Save Changes to save your new ATM PIN.

The ATM PIN will be updated and you should use this ATM PIN moving forward.

Yes, follow the below steps to add your tax refund to your spendwell account:

Follow the steps below to successfully add your tax refund to your spendwell account:

1. Ensure that the primary name and Social Security Number on your tax return matches the name on your spendwell account exactly.
2. In the refund section of the tax return:

• Fill in your spendwell routing number
• Fill in your spendwell account number
• Select Checking as the type of account

To find your Account and Routing Numbers, Log in to your account and click/tap “My Profile.”

Visit spendwell.com/tax-refund for more details & FAQs on tax refunds. 

You can earn unlimited 1% cash back when you make in store or online purchases with your spendwell Cash Back card (less returns/credits). 1% cash back is rounded to the nearest dollar which means you won't earn a fraction of a penny in cash back. For example, a purchase of $0.01-$0.49 rounds to $0.00 (you don't earn cash back), a purchase of $0.50-$0.99 rounds to $1.00 (you earn $0.01 cash back), and so on. There is no limit to the amount of cash back you can earn. spendwell limits apply.

1% cash back is added to your account after your purchase but could take up to 60 days to show. Your cash back will never expire. Once redeemed, it is ready to spend at Dollar General on future purchases.

Your 1% cash back will be added to your account as you make purchases. To redeem: 

1. Log in to your account; on the main dashboard under “Summary,” click “Redeem” on your Cash Back Balance.
2. Then you will see your “Earned Balance” – click “Redeem”
3. You will then receive a prompt to confirm you want to redeem your cash back; click “Yes”
4. Once you click “Yes,” your “Earned Balance” will be $0 and when you go back out to your main account dashboard, you will see your “Cash Back Balance” under “Summary.”
5. This cash back will then be applied to your next Dollar General purchase! It will not appear on your receipt – check your account after the purchase clears and you will see your cash back deducted and the remaining balance will come from your account balance.

Yes, spendwell subaccounts can earn cash back once their permanent/personalized card is received and activated. The subaccount cash back earnings will be separate from the main accountholder’s cash back earnings.

Yes, you can add any spendwell card to your digital wallet. ​

• For more information on how to add your spendwell card to your digital wallet and use it via Apple Pay^TM, visit apple.com/apple-pay.

• For more information on how to add your spendwell card to your digital wallet and use it via Google Pay^TM, visit pay.google.com/about.

If your card is lost/damaged or expires and you receive a new card, you will need to go into the digital wallet app (Apple Pay or Google Pay) and update the card information. Instructions on how to do this can be found in the respective app you use – see links above.

You can close your account online. Please note: In order to close your account, and all subaccounts, your balance, including all subaccounts and goals, must be $0 and all pending transactions must be cleared. ​

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Follow the steps below to close your account online:​

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1. Log in to your spendwell Account​

2. Review this checklist to see if you need to take any actions prior to closing your account:​

• Close any subaccounts (see “How do I close a subaccount” FAQ below)​

• Transfer any funds in your goals to your account ​

• Clear or cancel any pending transactions​

• Remove all funds from your account. You must have a $0 balance.​

3. On the home screen, select your main account​

4. Click or tap the gear icon​

5. Select Close account​

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You can still log in to your account for up to 90 days after your account is closed to access past statements.​

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If you need additional assistance, please call us at 1-833-609-8472.

Only the Main accountholder can close a subaccount. Please Note: In order to close a subaccount, all pending transactions must be cleared and once you close a subaccount you will not be able to reopen it. When you close a subaccount, the remaining balance will be automatically transferred back into the main account.​

1. Log in to the subaccount​

2. On the Home screen, select the subaccount​

3. Click or tap the gear icon to access Subaccount Settings​

4. Click or tap Close Subaccount​

5. Select Close Subaccount​

6. You will return to the home screen and the subaccount is now permanently closed​

If you need additional assistance, please call us at 1-833-609-8472.​

Present the Visa debit card issued with your spendwell Account to a teller at a Visa® member bank location and request the amount of cash you’d like to receive. This is known as an over-the-counter (OTC) cash withdrawal.​

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There is a $2.00 per transaction fee to get cash over-the-counter (OTC) at a Visa member bank. OTC withdrawals are available up to the daily withdrawal authorization limits, provided the available balance in your account is greater than or equal to the cash withdrawal amount requested.​

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For more details, please see the spendwell Account Deposit Account Agreement.

Getting cash back at a merchant is a convenient way to get cash without having to go to an ATM. If permitted by the merchant, you can use the Visa® debit card issued with your spendwell Account to get cash back from point of sale (POS) devices when you shop in stores. When making a purchase, tell the cashier or select on the PIN pad the amount of cash back you’d like to receive. The cash back amount will be added to the transaction amount. Select debit and enter your PIN to complete the transaction. The cash back amount will be deducted from your account in addition to the amount of your purchase and the cashier will provide you with the cash.​

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There are no spendwell fees to get cash back at point-of-sale, but certain retailers may charge a fee for this transaction. Cash back at point-of-sale withdrawals are available up to the daily withdrawal authorization limits, provided the available balance in your account is greater than or equal to the cash withdrawal amount requested. Cash withdrawals may also be subject to varying daily limits at the terminal owner’s discretion.​

You can use your spendwell Card anywhere Visa® debit cards are accepted. If a merchant provides the option, you can choose either “credit” (no PIN required) or “debit” (provide your PIN).​

Yes. At home or abroad, your card can be used for purchases wherever Visa® debit cards are accepted internationally, including at international ATMs.​

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If you return any merchandise purchased with a spendwell Account, card, Subaccount or Subaccount card, you will be subject to the merchant’s return policies. If the merchant agrees to issue a credit, the funds may take seven (7) days or longer to return to your account or Subaccount.

Online, in store, over the phone or through the mail – how you shop is up to you! When you aren’t making in store purchase, be sure to have your full card number, security code (or CVV) and expiration date. The Visa^® debit card issued with your spendwell Account can be used at merchants that accept Visa® debit cards. The CVV is a 3-digit code on the back of the card next to the signature strip. The card is good through the “Card Expires” date on the front of the card.