FamZoo Prepaid Card FAQs

How FamZoo Cards Work

You’ll find answers to frequently asked questions on two pages:

  1. General FAQs — applicable to all FamZoo families.
  2. Prepaid Card FAQs (below) — specific to families using our prepaid cards.

Use the Jump To Section link at the bottom of the page to navigate quickly between main topics.

Don’t see an answer to your question? Please contact us.


Introduction

What are FamZoo prepaid cards?

FamZoo prepaid cards are a uniquely affordable, convenient, and educational MasterCard® reloadable card offering designed specifically for families. Linked together and accessed online through FamZoo’s award-winning Virtual Family Bank software, the cards are used collaboratively to share funds between family members and develop financial responsibility.

One of the parent cards — the primary funding card — serves as the automated funding source for allowance, chores, odd jobs, ad-hoc transfers, reimbursements, compound interest, and matching contributions delivered to child cards. Children sign in separately to monitor spending, while parents retain control through a shared dashboard. Additional tools include collaborative budgets, interactive savings planners, “child bill pay”, and automated IOU tracking.

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How do FamZoo cards work?

How FamZoo Cards Work

  1. Order one or more cards for each family member. You can start super simple and just order one card for each family member. Alternatively, you can order multiple cards per family member with each dedicated to a specific purpose — like clothing, lunch money, allowance, charitable giving, saving for a vacation, building an emergency fund, etc. Remember, our MasterCard® prepaid cards are accepted virtually everywhere whether it’s in stores or online. Unlike credit cards or bank debit cards, FamZoo prepaid cards carry no risk of debt, late fees, or overdraft charges. Watch this video to see exactly how ordering FamZoo cards works.
  2. Load your primary funding card. One card in the family is special. It’s called the primary funding card. From time to time, you load your primary funding card from the “outside world” using your favorite load option. There are lots of options — many of which are free: direct deposit, bank transfer, MasterCard rePower, Reload At the Register, and a variety of popular payment services like PayPal and PopMoney.
  3. Distribute money within your family. Once you load up your primary funding card, you can distribute money between your family members instantly and frequently with no fees. Move money whenever you need to by using the FamZoo app or automatically move money at predefined times by creating your own money rules. One of the most popular money rules is a regular allowance paid from the primary funding card to a child card (or a parent card!). Other popular money rules include:
    • paying kids for the completion of chores or odd jobs,
    • billing your kids for their portion of shared family expenses like smart phone data charges,
    • paying kids a parent defined interest rate to encourage good saving habits,
    • splitting payments between spending, saving and giving accounts, and
    • automatically collecting contributions from family members for a shared family vacation fund.
  4. Earn. Save. Budget. Spend. Donate. Together. Use our cards and integrated family finance tools to develop smart money habits together.
    • Monitor account balances and card activity through our web and mobile app.
    • Set and track goals.
    • Make budgets and track spending.
    • Set aside money for saving and giving through automated deductions.
    • Reward your child’s saving with parent paid interest.
    • Reward your child’s hard work with parent paid commissions on chores or extra jobs.

Want to see more information about how our prepaid cards work together to help families develop good money habits?

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How do I get started?

Watch this video or read this post for a step-by-step guide to getting started with your FamZoo cards.

If you’re looking for some inspiring examples of clever chore, allowance, or incentive systems for kids, see here.

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Why are FamZoo prepaid cards better than cash?

Here are just a few of the key reasons FamZoo cards are better than cash when it comes to putting everyday funds in your family’s hands:

  • Safer. A FamZoo prepaid card is safer than cash because it can be locked at any time if it’s lost or stolen — or if you just need to put the brakes on some out-of-control spending. The card’s funds are also securely stored in an FDIC insured financial account. And, lastly, Cardholders are protected against certain unauthorized purchases with the MasterCard® Zero Liability policy.
  • More convenient, especially online. Unlike cash, FamZoo cards can be used almost anywhere online, and there’s never any fumbling with loose change in stores. Check out our top family convenience features here.
  • More mobile. Money can be moved instantly between family members anytime, anywhere via the web or mobile phone. It’s the perfect solution for those little unplanned fiscal emergencies that kids (and even spouses!) invariably encounter.
  • More transparent. FamZoo cards automatically record your complete transaction history. Authorized family members can securely browse the history of deposits, transfers, purchases, donations, and withdrawals anytime online. Family members can also receive instant alerts to monitor card activity.
  • More educational. Kids learn about online banking, handling the responsibility of a card, and personal finance through our integrated family finance tools. Check out our top financial literacy features here.
  • Cleaner. Cash is infested with up to 3,000 types of bacteria. Yuck! FamZoo cards are nice and clean. :-)

Tip: Don’t protect your kids from “magic money”.

Tip: Transition your kid’s allowance to the digital world.

Tip: Stop giving cash to your teens.

Tip: Put some pain in cashless teen payment with instant notifications.

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Why are FamZoo prepaid cards better than credit cards or bank debit cards?

Here are just a few of the key reasons FamZoo cards are better than credit cards or bank debit cards when it comes to putting everyday funds in your family’s hands:

  • No risk of debt. Unlike a credit card, you can’t run up a debt on a FamZoo prepaid card. You can only spend as much as has been loaded onto the card ahead of time.
  • No risk of late fees. Unlike a credit card, you never make any monthly payments to pay of past purchases, so you can’t rack up any late fees.
  • No overdraft fees. Unlike a bank debit card, a FamZoo prepaid card is not tied to a traditional checking account, so there’s never a chance of incurring an overdraft fee. As an added bonus, you never have to try to understand the intentionally confusing and sneaky terms of an Overdraft Protection program.
  • Easier to acquire. Getting a FamZoo card does not require a credit check or credit history. You can order immediately online as long as you meet our minimal verification requirements.
  • More kid friendly. FamZoo cards can be used by or for family members of any age — even kids under 13. Meanwhile, parents maintain visibility and control.
  • More educational. Kids learn about online banking, handling the responsibility of a card, and personal finance through our integrated family finance tools. Check out our top financial literacy features here.

Tip: See how free checking isn’t free.

Tip: Watch out for the automatic billing overdraft loophole on debit cards.

Tip: Realize that bank overdraft “protection” really means overdraft penalties.

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How can FamZoo cards help my family stay on budget?

FamZoo prepaid cards are the perfect modern digital version of the popular cash-based envelope budgeting system. Instead of labelled envelopes holding cash for each key spending category, use labelled FamZoo cards loaded with funds. It has all of the simplicity and effectiveness of the cash envelope method, but it’s much safer, convenient, and e-commerce friendly.

If you have just one or two problem spending areas you’re trying to get under control, try this simple card-per-category technique.

If you have more than a handful of categories and multiple family members juggling the spending responsibilities, try this more flexible IOU Account technique with just one spending card per family member.

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Ordering Your FamZoo Cards

Who can order FamZoo prepaid cards?

FamZoo prepaid cards can be ordered by paying FamZoo subscribers who reside in the United States and have family members who meet our cardholder requirements. Families must remain subscribers in good standing to use their FamZoo cards or to place orders for additional cards.

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How do I order FamZoo prepaid cards?

Watch this video for a step-by-step guide to ordering cards for your family. In a nutshell, once you become eligible to order FamZoo prepaid cards, you can follow these steps to place your order:

  1. Review the cardholder requirements and gather the verification information you’ll need on hand for each cardholder in your family.
  2. New to FamZoo?
    • Click on Try It Now at the top of the FamZoo home page.
    • Click on Order Now in the Prepaid Card Accounts section and follow the screens to register your family, pick a subscription plan, and order your cards.
  3. Already a FamZoo member?
    • Sign in to your FamZoo account as a parent.
    • Visit the Store tab.
    • Click on the Order Cards link in the left hand sidebar, and you’ll be guided through the rest of the steps.

Once you receive your cards in the mail, the activation process will step you through setting up your family’s prepaid card accounts and any optional settings like allowance schedules, chore lists, interest payments, etc. The initial load amount that you selected while ordering your cards will appear on the primary funding card as soon as it is activated.

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Can I order more cards later?

Yes, you can order additional cards for your family members after you’ve placed your initial order. You’ll also need to order a separate new card if your child transitions into a new cardholder age group. (Note: if you need to replace an existing lost, stolen, or damaged card, see here instead). To order additional cards, follow these steps:

  1. Sign into your FamZoo account as a parent.
  2. Visit the Store tab.
  3. Click on the Order More Cards link in the left hand sidebar, and you’ll be guided through the rest of the steps.

Once you receive your cards in the mail, the activation process will step you through setting up the associated online accounts and any optional settings like allowance schedules, chore lists, interest payments, etc.

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How do I order a replacement card?

If you think a card in your family has been lost or stolen, be sure to see the comments here before requesting a replacement.

If your card is nearing its expiration date, a new card will be automatically sent to you in advance. See here for details. There should be no need to order a replacement.

Before ordering a replacement, please note these two important items:

  1. Replacement cards are automatically shipped to the address on file for the card being replaced. You’ll find the original address for each card listed in the email receipt for your order. You can also contact us to find out the current address on file. If the address has changed, follow these instructions to update it first.
  2. The original card account will be blocked (unable to receive or transmit funds or make purchases) from the time you initiate the replacement with us until the replacement card arrives in the mail and we activate it for you. So, you’ll need to plan accordingly — especially if you are replacing your primary funding card.

You can order a replacement for a lost, stolen, or damaged card as follows:

  • Sign into the FamZoo application as the registering parent.
  • Note the last four digits of the card number for the lost, stolen, or damaged card. You’ll see the last four digits listed next to its account name in the Overview or Accounts page.
  • Click on the Contact Us link at the top of the page.
  • Fill in the Message field with the request: “Please replace the card ending in NNNN.” Substitute NNNN with the last four digits of the card number for the card being replaced. Note: for your security, please do not send the full card number in your message — just the last four digits.
  • Indicate whether the card was lost, stolen, or damaged.
  • Also include the mailing address for the card so we can be sure it matches and is up to date.
  • Click Send
  • We will send you a response by email confirming your request.
  • Your replacement card should arrive within 7 to 10 business days of our confirmation.

When your replacement card arrives in the mail, see here. We have to activate it manually for you.

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What if my card is nearing its expiration date?

Our cards expire after 3 years. You will automatically receive a replacement in the mail a few months before the expiration date. The replacement card will be delivered to the address on file for the expiring card. If you need to update your address, see here.

When the replacement for your expiring card arrives in the mail, see the activation instructions here.

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Can I order cards as a gift for another family?

Federal law requires card issuers to collect sensitive personal info about the cardholder before opening an account, so you can’t just order cards for your friends or their kids directly. With FamZoo, you can do the next best thing though: you can pay the monthly fees for your friend in advance with a gift subscription. When your friend redeems the gift code during registration, she’ll be credited for the free months that you purchased and can place her card order (as long as the family members are eligible).

Click here to order a gift subscription.

For some examples of how to present your gift subscription along with printable gift certificates, see here.

If you’d like to bulk order gift subscriptions at a discount for a group of friends, colleagues, or clients, please contact us. We even offer a co-branded version of the FamZoo app(lication) for your company or organization.

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Will you be supporting chip-based cards?

Probably, in the near future.

Our card processor is currently testing their support for chip-based cards.

The biggest issue for FamZoo families will be the extra cost. The chip-based cards are going to cost us in the neighborhood of $5 to $6 apiece according to our processor. That’s an enormous jump in price and not one that we could just absorb with FamZoo’s current fee structure. So, we’re going to try to devise a way for the chip-based cards to be an extra option when ordering. Families who want them would have to cover the added cost. Many families may opt to avoid that cost for a couple of reasons:

  1. Kids lose their cards frequently.
  2. The balances on the cards are often pretty low making it hard to justify paying that much for the marginal extra security.
  3. FamZoo cards support real-time alerts and easy locking from our app which also reduces fraud exposure.

We’ll keep everyone updated on our chip-based card progress via our newsletter, social media, and FAQ.

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Cardholder Verification

Why do you need our sensitive personal info like SSNs?

We are required by law to verify the identity of our prepaid cardholders. To do so, we gather the required personally identifiable information (including each legal cardholder’s social security number) during the card ordering process and send it securely to our card processing partner, TransCard.

Here’s how we keep your sensitive personal info safe.

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How do you keep our sensitive personal info safe and secure?

We do not store your most sensitive verification or account information on FamZoo’s servers. For example, your social security numbers and card account numbers are never stored in a FamZoo database. Each time a cardholder is verified during the card ordering process, we securely transmit the verification info to our card processing partner, TransCard, and immediately discard the most sensitive personal data. Furthermore, we never store your actual card account numbers, TransCard does.

So what about the safety and security of your data at TransCard? They are required to meet financial industry standards. Consequently, TransCard is:

Lastly, we store your passwords in encrypted format, so don’t ask us to tell you your password — we don’t know it! If you do forget your password, see here.

Obviously, we take the security of our own FamZoo servers very seriously, too. But if some nefarious hackers somehow break in, they won’t find any of your social security numbers, card account numbers, or passwords. That’s a relief.

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What are your cardholder age and verification requirements?

You must supply the following personally identifiable information for each applying cardholder in the family:

  • Legal name
  • Date of birth
  • Social Security Number
  • U.S. physical residential address
  • Email address
  • Telephone number

Cardholders fall into one of the following categories:

  • Adult parent: must pass our online adult verification process. There must be at least one adult parent cardholder in each family. If an adult parent cardholder in your family is unable to pass the online verification service while attempting to order cards, please see here.
  • Adult Child (age 18 or older): must pass our online young adult verification process while ordering cards or a subsequent manual verification process before activating cards by contacting our telephone customer support and following their instructions to supply the required cardholder documentation.
  • Teen Child (age 13 to 17): must pass our online teen verification process.
  • Young Child (age 12 or younger): cannot have a card issued in his or her name; however, an adult parent can order a separate card that can be used to track purchases or donations made on the child’s behalf. Read here for more information on how that works.

Here’s how we keep your sensitive personal info safe.

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What are the steps for manual cardholder verification?

If we are unable to fully verify cardholder info for a family member through our online process, you’ll be asked to submit the following documentation for that family member as part of our manual verification process.

  • Legal name
  • Date of birth
  • U.S. physical residential address
  • Social Security Number (required for all FamZoo cardholders)
  • Two forms of identification, at least one of which must be a primary form:
    Primary Identification (At least one) Secondary Identification
    Current passport School or work ID with cardholder photograph
    Current state-issued driver’s license Social Security Card
    Current United States military identification Utility bill, lease agreement or current paystub printed with an address that matches the primary identification address
    United States government issued document evidencing nationality or residence and bearing cardholder photograph ATM card or credit card with name and signature matching primary identification
    Mexican Matricula Consular card Bank statements issued within last 6 months, with an address that can be verified

Note: otherwise qualifying identification will not be accepted if:

  • The identification is expired
  • The identification is damaged, illegible, or shows other signs of tampering or alteration
  • The driver’s license is clipped, unless accompanied by valid renewal papers
  • The information on any identification is inconsistent with information provided on any other identification
  • The address provided is a post office box, general delivery address, or other non-physical residential address

To complete the manual verification process:

  • Gather the required documentation from the list above.
  • Compose an email to our card processor at customerservice@transcard.com with the subject line “Cardholder verification for admin number: NNNNNNN”. Replace NNNNNNN with the (typically 7 digit) admin number of the card being verified. You’ll find it in the bottom right hand corner on the back of the card. If the same cardholder is verifying multiple cards, include the admin number for each card. Attach scans or clear pictures of the two required verification documents.
  • Once the documentation has been emailed, have the legal cardholder (which might be your child) call the 1-800 number on the back of the card to speak to a customer service representative for our card processor. For security reasons, the cardholder will be asked for the card’s admin number and often the cardholder’s social security number, so be sure to have that info handy. Important note: Be sure to tell the customer service representative the admin numbers for all of the cards needing manual verification, even if they have the same cardholder.
  • Ask the customer support representative to locate your email with the attached documents and, if they’re in order, complete the verification.
  • Activate your card(s) online within the FamZoo application by following the steps here. Important note: This must be done even if you attempted online activation previously, and even if the telephone customer service representative indicates that your manually verified cards have been activated.

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How do you track purchases and donations for kids under 13?

For kids under 13, we issue what we call “on-behalf-of” cards. In this case, the parent is the legal cardholder and the card is used to track purchases made on a pre-teen’s behalf. Pre-teen children will see their on-behalf-of cards and transactions when signed into the FamZoo app(lication). The parent should be with the child for in-store payment transactions in which the merchant might verify that the legal cardholder is present. Of course, this is irrelevant to online payments which are cardholder-not-present scenarios.

For example, when the child wants to purchase a toy at the store (presumably after checking his or her balance on FamZoo first), the parent walks into the store with the child, brings the item to the check out stand, and purchases the toy saying something like “OK, Johnny (or Suzy), now we’re going to purchase your toy using ‘your’ spending card which holds the money you’ve been saving up from chores (or allowance or odd jobs, etc).” After the purchase, the child will be able to see the resulting card transaction by signing in and visiting the Transactions page for the corresponding prepaid card account.

Note that each card has a customizable emboss line that appears just beneath the legal cardholder name. Typically, parents put the name of the child or something like “Johnny’s Spending” or “Suzy’s Spending” on that line.

Hesitant? Nearly half of the kids using FamZoo cards are under 13. Parents and kids alike have been very happy with the “on-behalf-of” arrangement.

You’ll find more information on why FamZoo prepaid cards are great for kids under 13 here.

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What happens when my child transitions to the next cardholder age group?

Once your child exceeds the age limit of a cardholder age group, you’ll need to order a new card in the next age group. To do so, follow the same steps you would to add a new card to your family.

When the new card arrives, follow these steps:

  • Update any allowances, chore rewards or penalties, auto-debits, etc. that referenced the old card to reference the new card.
  • Transfer any funds remaining on the old card to the new card.
  • Lock the old card.
  • Hide the old card account if desired.

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Do FamZoo cards require a credit check or affect credit history?

Nope and nope.

No credit check (neither hard nor soft inquiry) is performed during FamZoo cardholder verification, and using a FamZoo card has no impact on your credit history. By using a FamZoo card, you can’t do anything to your credit score: you can’t damage it, you can’t improve it, you can’t establish it. That’s because FamZoo cards simply aren’t a credit instrument. Attempting to spend more than the amount of money currently loaded on the card will just result in the purchase being declined.

If you are seeking to build a credit history for your child, one technique you might consider is having your child use a credit card for a very narrow category of predictable expenses — like a fixed recurring bill. Then use prepaid cards for remaining expenses as a way to stay on budget and out of debt. If your child does use a credit card, be sure to pay the balance off in full every month!

Tip: Use a hybrid card strategy to help teens build credit and stay on budget.

Tip: Build your teen’s credit score with a secured card.

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Pricing, Fees, Limits, and Other Legal Stuff

How much do FamZoo prepaid cards cost?

A paid FamZoo subscription entitles you to order and use up to four FamZoo prepaid cards (one parent funding card and three family member cards) at no extra charge for as long as your subscription remains active.

Note: all FamZoo subscription fees, whether monthly or pay-in-advance, are billed to your credit card or PayPal account. Subscription fees are not assessed to your FamZoo cards.

Need more than four cards? No problem. You can order additional cards for just $2 each — that’s a one-time only fee just to help cover the cost of manufacturing and shipping.

There are no additional fees for using FamZoo cards as long as you’re using one of our free load methods, making purchases within the United States, and using ATMs within our network. Our whole philosophy when it comes to fees is that families should only have to pay one predictable recurring subscription fee instead of a bunch of “gotcha” per transaction fees — parents just don’t need any more surprises when it comes to kids and money!

The following table lists all fees associated with the FamZoo prepaid card:

FEE TYPE FEE AMOUNT
Monthly Subscription Fee

Covers all cards in the family.

$5.99/month/family
if you pay each month (auto-renews).

$4.33/month/family
if you pay $25.99 in advance for 6 months.

$3.33/month/family
if you pay $39.99 in advance for 12 months.

$2.50/month/family ← BEST DEAL!
if you pay $59.99 in advance for 24 months.

So, if you choose the best deal above and order 4 cards for your family, you’ll be paying the equivalent of $0.63 per card per month. Yes, that’s an insanely great offer.

Overdraft Fees None.

You cannot overdraft with a FamZoo prepaid card.

Credit Fees None.

FamZoo prepaid cards are not credit cards — you cannot spend more than what is loaded on the card.

Reload Fees $0 for direct deposit from payroll.

Fees vary by provider for other load methods and some are free. FamZoo does not assess any load fees on top of what the provider charges. See a list of load options here.

Note: all transfers between cards within the family are free and instant. That includes allowance, interest, chore, reimbursement, bill sharing, and ad hoc payments within FamZoo. That’s why the suggested usage is to occasionally load larger sums from the “outside world” onto your primary funding card, and then frequently distribute smaller amounts between family member cards.

Per Purchase Fees $0 in United States.

3% of the amount for transactions outside the United States. That’s the high end of the typical 1% to 3% foreign transaction fee, but unfortunately FamZoo doesn’t have control over the charge. So, we don’t recommend extended international use, but the cards are handy for limited trips abroad.

ATM Fees $0 in-network.

Varies for out-of-network ATMS. Fees are set by out-of-network ATM operator, and FamZoo does not assess any extra fees on top of the operator’s fees.

New Card Order Fees $0 for the primary funding card and the first 3 family member cards.

$2 for each additional card beyond the first 4. (One-time fee, not monthly.)

Replacement Card Fee $0 for replacing an existing card that is lost or stolen. Yeah, like that never happens with kids and teens...
Inactivity Fee $0. We think inactivity fees are totally bogus. Saving is a good money habit, and we don’t want to discourage it.
Customer Service Fee $0. Our telephone and email customer support services are free.

There are amount and frequency limits for loading cards, transferring money between cards, withdrawing cash from cards, and making purchases. See here for amount and frequency limit details.

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Are there any fees for using FamZoo cards?

All of our fees are listed in one consolidated table above.

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Are there any amount or frequency limits on card usage?

FamZoo cards are subject to certain amount and frequency limits when it comes to putting money on the cards, transferring money between cards, withdrawing cash from the cards, and making purchases. The specific limits are:

Activity Limits
Card Load Amount $2,500 per day
Card to Card Transfer Amount $2,500 per day
Number of Loads and Transfers 99 per day
Total Card Balance $5,000
Maximum Purchase/Donation Amount $5,000 per single POS transaction
$5,000 per day
Maximum ATM Withdrawal
(Domestic and International)
$510
Maximum Cash Withdrawal from Issuing Bank
(Parent Card)
Full Balance on Card
Maximum Cash Withdrawal from Issuing Bank
(Child Card)
$500 per single transaction
$500 per day

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Where can I find your Cardholder Agreement?

You can download and read a PDF document containing the Cardholder Agreement for prepaid cards ordered directly from FamZoo.com here: http://famzoo.com/legal/CardholderAgreement.pdf.

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Are the card accounts FDIC insured?

Yep.

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Receiving Your FamZoo Cards

How do I activate our cards?

If you have received a replacement for a damaged, lost, stolen, or expiring card, see here instead.

Before a new FamZoo card can be used, it must be activated online. (A FamZoo card cannot be fully activated over the phone. Even if you called the customer service number on the back of the card to activate it, you still must activate the card online to complete setup.) When you receive your FamZoo cards in the mail, activate them by following the instructions here.

If one or more of your cards requires manual verification, please see the additional instructions here.

For each card you receive, set the PIN, and have the appropriate cardholder sign the back.

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How do I activate a replacement card?

We have to activate replacement cards manually for you. When you receive a replacement for a lost, stolen, damaged, or expiring card, please:

  • Sign into FamZoo as the registering parent.
  • Click on the Contact Us link at the top of the page.
  • Fill in the Message field with the request: “Please activate the card ending in NNNN.” Substitute NNNN with the last four digits of the card number on the face of the new replacement card. Note: for your security, please do not send the full card number in your message — just the last four digits.

If you are receiving a replacement for a lost, stolen, or damaged card, it will have:

  • A new default PIN setting instead of the PIN from the old card, so you’ll need to update the PIN right after we activate the new card.
  • A new card number listed on the front of the card, so you’ll need to update your payment info stored with any merchant.

If you are receiving a replacement for an expiring card, it will have:

  • The same PIN setting as your expiring card, so there’s no need to update your PIN.
  • A new expiration date listed on the front of the card, so you’ll need to update your payment info stored with any merchant.
  • The same card number on the front of the card.
  • The same Admin number on the back of the card, bottom right corner.

All replacement cards have the same bank routing and account numbers as the replaced card, so any card load options that depend on those numbers, like direct deposit, should continue to work properly.

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How long will it take our cards to arrive?

After successfully completing an order online, it will take 7 to 10 business days (which excludes weekends and holidays) for your cards to arrive in the mail. You’ll receive an order confirmation email right away.

Please note: the cards in an order are mailed separately. Each arrives in its own envelope, and it is not unusual for cards to arrive on different days. Please wait until all the cards in your order arrive before activating online. Also, note that cards are sent to shipping as soon as they are verified. So, if you verify some cards and pause or cancel your order, those verified cards will still arrive. If you receive cards from a cancelled order, check with us and we’ll let you know which cards you can safely discard.

Tip: Use this printable card template if you need to present FamZoo as a gift before the real cards arrive.

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What if I have address forwarding with the USPS?

If you have a forwarding notice on file with the USPS, we can’t guarantee the “ADDRESS SERVICE REQUESTED” directive stamped on our shipping envelopes will be honored consistently by the USPS. We’ve seen forwarded cards take as long as a month to arrive.

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I’m transitioning from IOU accounts to prepaid cards. What do I do?

If your family has already been using FamZoo’s IOU accounts, and you are transitioning some or all of your accounts to prepaid card accounts, you’ll want to edit your existing automatic payment definitions (allowances, splits, automatic debits, chore rewards/penalties, etc.) to deliver all or some of those payments to your new prepaid card accounts. You’ll find a blog post that walks through the transitioning steps here.

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How do I set or update each card’s PIN?

You should set the PINs on your FamZoo cards as soon as you receive and activate them. You can change the PIN any time after the card has been activated.

Follow these steps to set or change the PIN on each of your cards:

  • Sign into FamZoo as a parent or the member who is the legal cardholder.
  • Visit the Bank tab.
  • Click on the Card Status viewing link.
  • Click on the Change PIN link next to the desired card.
  • Fill in the secure form fields and click the Submit button. Note: If this is your first time setting the PIN for this card, enter its default PIN value in the Current PIN field. When you see feedback confirming the PIN change, click I’m Done Updating My PIN.

Tip: Teach kids a simple secure PIN strategy. (Video)

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What is my card’s default PIN value?

Your card comes with a default PIN value of 0 followed by the three digit card security code which is located on the back of your card just to the right of the signature stripe. To keep your card secure, you should change the PIN as soon as you activate your card.

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Moving Money Between Family members

How are parent payments for allowance, chores, interest, and one-off credits funded?

As a parent, you can direct FamZoo to automatically deliver payments to your child for allowance, chores, or parent-defined compound interest. What’s the source of funds for those parent payments? The money comes from the primary funding card. Behind the scenes, whenever FamZoo processes an automated parent payment or a manual one-off credit to a child’s card, it transfers the amount from the primary funding card to the child’s card.

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Where do child payments for debits, chore penalties, and bill sharing go?

As a parent, you can direct FamZoo to automatically charge your children for missed chores or their portion of a shared family expense. Where does the child’s payment go? Whenever FamZoo processes an automated child payment or a manual one-off debit from a child’s card, it transfers the amount from the child’s card to the primary funding card.

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Which card is our primary funding card?

Your primary funding card is the source of funds for parent payments and the recipient of funds for child payments. It’s the very first parent card you created in your original card order. To see which of your cards is the primary funding card, you can:

  • Sign in to your FamZoo account as a parent.
  • Click on the Store tab.
  • Click on the Activate Cards link. Note: It’s OK to do this even after some or all of your cards have already been successfully activated.
  • Look for the parent card in the family card listing that says “this is your primary funding card“ beneath it.

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How do I set up automated allowance payments?

You can set up automated allowance payments to your children when you activate their cards. Just look for the Set Up Allowances and Splits screen during the activation steps.

If you have already activated your cards, follow these steps to add or change an allowance:

  • Sign into FamZoo as a parent.
  • Click on the Bank tab.
  • Click on the Allowances/Splits link.
  • To create a new allowance, click on the Create Allowance link.
  • To change an existing allowance, hover your mouse over the desired allowance, and click on the pencil icon. Alternatively, you can click or tap on the Edit action link in the left-hand sidebar and pick the desired allowance from the drop-down list.
  • Watch this video for more detailed info.

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How do I set up payments for chores?

You can set up chore charts in FamZoo that automatically make payments to your child’s card (or cards) whenever a chore is completed. Follow the steps here and be sure to pick the desired card accounts in step 10.

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How do I set up penalties for chores blown off by my child?

Follow the same instructions for setting up chore payments, but in step 10, indicate that you’d like to debit your child’s card account rather than credit it. The debit can happen either when the chore is checked off explicitly or when the chore expires. See an example of the former here.

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How do I set up parent-paid compound interest to encourage saving?

You can encourage your child to save by paying compound interest on the current card balance at regular intervals. Remember, the interest payment is coming from your primary funding card, not from FamZoo. Follow these steps to set up automatic interest payments for your child’s card:

  • Sign into FamZoo as a parent.
  • Click on the Bank tab.
  • Click on the Accounts link.
  • Hover your mouse over the desired card account, and click on the pencil icon. Alternatively, you can click or tap on the Edit action link in the left-hand sidebar and pick the desired account from the drop-down list.
  • Fill in the interest fields and click the Save button.

If you’re rewarding your child with an aggressive Bank of Mom/Dad compound interest rate, you may want to put a cap on it before you land yourself in the poor house! Watch this video for more info.

Tip: Motivate your kid to save in a way that traditional savings accounts can’t.

Tip: Offer parent-paid interest for spending, giving, and even (not) spending.

Tip: Set the stage for socking away savings in college.

Tip: Run your own teen card program that rewards less spending.

Tip: Play the Sweep-To-Savings game with your teen.

Tip: Offer kids a savings match with strings attached.

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How do I make a one-off credit or debit to/from my child?

Click on the credit button next to your child’s card account to move money from your primary funding card to your child’s card.

Click on the debit button next to your child’s card account to move money from your child’s card to your primary funding card.

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Can kids transfer money between their own accounts?

No. Currently, only parents can move money between the prepaid card accounts in a family. You can, however, use a trick with checklists to allow your kids to make very specific money movements. Read about the trick here.

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How do I set up automatic bill sharing with my kids?

To automatically charge your child for a portion of a recurring family expense (like a cell phone plan), follow these steps:

  • Sign into FamZoo as a parent.
  • Click on the Bank tab.
  • Click on the Automatic Debits link.
  • Click on the Create link and choose your child from the drop down list.
  • Fill in the fields and be sure to select your child’s card account in the drop down list.
  • Click the Create Automatic Debit button.

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Handling IOUs

What if there aren’t enough funds to complete a family payment?

Suppose it’s time to make an allowance, interest or other payment to your child and you don’t have enough funds on your primary funding card to cover the amount? No worries! FamZoo will automatically track the amount owed as an IOU owed to your child’s card. Later, when you reload your card, FamZoo will automatically pay off any outstanding IOUs you may have.

This works in the reverse direction for child payments. If a child’s card balance can’t cover a penalty, shared expense or other payment to the parent, the amount owed will be tracked as an IOU for the card. Any subsequent parent payments will go toward reducing the outstanding IOU amount before moving any additional money to the card.

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How do I turn off automatic IOU repayment?

To turn off the automatic repayment of IOUs to a family member’s card account (or to turn it back on), follow the instructions here for editing the account, and update the Repay IOUs Automatically setting.

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How do I manually repay an IOU?

To manually repay all or part of an IOU amount that is owed to a family member’s card:

  • Sign into FamZoo as a parent.
  • Click on the Bank tab.
  • Click on the name of the prepaid card account for which you wish to repay the IOU.
  • Click on the Repay IOU link under Actions in the left-hand sidebar of the Transactions page.
  • Fill in an amount up to the amount of the IOU but no greater than the current balance on your primary funding card.
  • Click the Repay button.

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How do I cancel an IOU owed to a card?

If there is an automatic IOU owed to a card that you do not intend to repay, you can cancel the IOU as follows:

  • Sign into FamZoo as a parent.
  • Click on the Bank tab to get to the Accounts page, and find the entry for the card with the IOU.
  • Click on the IOU amount listed just beneath the balance amount for the card.
  • Now you’ll be on the Transactions page for the card’s built-in IOU account.
  • Click on the Debit link under Actions in the left-hand sidebar (or the Credit link if the IOU amount is negative meaning this card owes money to the primary funding card).
  • Enter an amount equal to the card’s outstanding IOU balance, and click the Debit (or Credit) Account button.

This will reset the IOU balance for this card to zero, which means it is not owed money by or nor owes money to the primary funding card.

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What happens when I transfer money between IOU and prepaid card accounts?

When you transfer money from a prepaid card account to an IOU account, you’re moving money from an account that holds actual dollars to one that doesn’t. You’re effectively converting dollars to IOUs. Those dollars have to go somewhere, so they’re returned to your family’s primary funding card. After the transfer, you’ll see a debit to the source prepaid card account, a credit to the destination IOU account, and a credit to the primary funding card.

Conversely, when you transfer money in the other direction — from an IOU account to a prepaid card account, you’re converting an IOU amount to cash. Since cash can’t be materialized out of thin air, the funds are pulled from your family’s primary funding card behind the scenes. After the transfer, you’ll see a debit to the source IOU account, a credit to the destination prepaid card account, and a debit to the primary funding card.

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Using Your FamZoo Cards

Where can I use my card?

You can use your FamZoo card anywhere Debit MasterCard® is accepted. That’s gazillions of places worldwide in stores as well as online. Seriously, it’s about as close to ubiquitous as you can get from a merchant acceptance standpoint.

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What’s the best way to pay for gas?

ALWAYS take the card into the gas station attendant first and tell him/her to charge the card beforehand for the exact amount you want to pump — just like you would do with cash. Otherwise, the card reader device at the pump will try to preauthorize a large sum up front which may exceed your current balance. Even more frustrating, if the card is declined as a result, there may be an authorization hold on your money for up to 30 days! That’s totally outrageous as far as we are concerned, but unfortunately there is nothing FamZoo can do about such holds. So, avoid all that potential aggravation and teach your teens to take the card in to the attendant and say: “Please charge my card exactly $X dollars for gas on pump number Y.”

Tip: Teach teens how to use prepaid cards at the pump.

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Can I use my card outside the US?

You can generally use your FamZoo card worldwide anywhere MasterCard is accepted. However, please note the following critical items:

  • Lack of Chip Support — In some countries (predominantly Continental European ones), merchants may require chip-based cards which we do not support yet. So, you’ll need a back-up plan just in case.
  • Foreign Transaction Fees — Anytime you use your card for a transaction outside the 50 United States, you will incur a foreign transaction fee. Please see our cardholder agreement for the specific details of how the charge is calculated.
  • Travel Note — Transaction activity in a foreign country can trigger our card processor’s automatic fraud detection system. To minimize that possibility, please contact us and communicate the last 4 digits of the card(s), the dates of the trip, and the destination countries. We’ll make sure your travel information is placed on file with our card processor.

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How do I get cash back from an in-store purchase?

If you’d like to get cash from your card while you’re making a purchase at a store, ask the merchant if they offer a cash back option. If so, then:

  • choose the DEBIT option on the point of sale device when paying,
  • enter your PIN, and
  • the merchant will give you the cash amount you choose.

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How do I get cash from an ATM?

Locate an ATM machine, enter your PIN, select CHECKING, and complete the withdrawal transaction. Be sure to avoid annoying ATM fees by locating an ATM in our network.

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How do I avoid ATM fees?

To avoid ATM fees when withdrawing cash or checking your card balance, be sure to locate an ATM that is part of the MoneyPass network. How do you find one? Use the MoneyPass online ATM locator from your browser or download their handy mobile app to your smart phone.

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How do I set up text or email alerts for activity on our cards?

Family members can receive text or email alerts whenever there is activity (like a purchase, an allowance payment, a load, etc.) on a card. Your kids can be alerted to what is happening on their cards, while you as a parent can be alerted to activity on both your own cards and your kids’ cards. See here for instructions on setting up card activity alerts in your family. See here for a typical example of how activity alerts can help you nudge your child toward good money habits.

Tip: 5 reasons to turn on card activity alerts for your kids.

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How do I silence activity alerts at night?

It isn’t unusual for FamZoo card activity to happen in the middle of the night. When it’s 1am, you probably don’t want to be jolted awake by allowance delivery messages from FamZoo, but you definitely do want to receive urgent text messages from your teens. The best way to silence incoming FamZoo (and other non-critical) messages during quiet periods is to use the Do Not Disturb settings supported by most recent model smart phones. Adjust your settings to allow only messages from favorite contacts or specific group members during quiet time. You’ll find Do Not Disturb help for iPhones here and Android here.

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How do I lock or unlock a card?

Locking a card temporarily prevents the card from being accepted for purchases or participating in card-to-card transfers until it is subsequently unlocked. Direct deposits are unaffected by locking.

To lock (or unlock) a card:

  • Sign in as the parent.
  • Visit the Bank tab.
  • Click on the Card Status viewing link.
  • Click on the Lock Card (or Unlock Card) link next to the desired card. You will be asked to confirm the operation.

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What does it mean when there’s an asterisk next to a card balance?

On rare occasions, the running balance calculated by FamZoo for a card won’t match the latest balance reported for the card by the underlying payment platform. This is typically a temporary condition due to brief delays in the overall system. Whenever FamZoo detects this situation, we’ll display an asterisk next to the balance to indicate that there is a mismatch. To be safe, places in FamZoo that show a single balance will show the minimum of the FamZoo calculated balance and the card balance last reported by the payment system. If the mismatch persists for more than an hour after refreshing the page and the card balance, please contact us, and we’ll investigate the source of the mismatch.

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Our card has a negative balance! How is that possible?

A negative balance results when a merchant authorizes your family member’s card for a certain amount, but then later settles the purchase for a greater amount that exceeds the card’s current balance. A classic example: you’re paying for a meal in a restaurant, and the waiter initially authorizes the card for the amount of the bill — say $9 — but then you generously add a tip of $2. If the card had a balance of $10 before paying for the meal, it will end up with a balance of -$1 afterwards when the payment ultimately settles. (The $10 starting balance minus the $9 bill minus the $2 tip equals an ending balance of -$1.)

Attempting to make any additional purchases on a card with a negative balance will result in declines, so you’ll want to transfer enough funds to get the card balance back above zero as soon as possible.

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Loading Funds onto Your FamZoo Cards

How do I load money onto my FamZoo funding card?

First things first! Remember, the way FamZoo is designed to work is as follows: every once in a while you (the parent) push a chunk of money from “the outside world” onto your primary funding card. Once you have a pool of funds on your primary funding card, you can move money between it and the other cards in your family instantly or automatically using the FamZoo app(lication). The transfers between your family’s cards happen immediately, have no fees, and have no minimum amount. On the other hand, when you occasionally replenish your primary funding card using one of the methods below, there may be a small outside fee (see the Cost column) or a time lag (see the Availability column). Consult the table below, and choose a method that works best for your situation.

Your primary funding card comes pre-loaded with the amount of funds you specified at the time of your initial order. Don’t panic if your funding card runs dry while making automated payments to your kids before you have a chance to reload it. The FamZoo system automatically remembers missed payments between family members and tracks them as IOUs. The IOUs will be repaid as soon as you reload your primary funding card.

While the typical target for an outside load is the primary funding card, all the other cards in the family can be loaded using the same methods below. That’s because they each have their own account and routing numbers that make them look like checking accounts to the outside world. For example, a teen with a summer or part time job can have paychecks direct deposited right to his or her card.

Important note: please review the amount and frequency limits before loading your card.

Here are the most popular options for reloading your FamZoo funding card:

Source Quick Instructions Funds availability Cost
Bank Transfer

You can load your FamZoo card from almost any conventional checking account using the online banking app(lication) provided by your bank or credit union.

  1. First time only: Link your card as an external checking account. Instructions vary from bank to bank. Typically, you’ll find the capability in a Transfers section of your online banking app(lication). You must identify your FamZoo card as a checking account using its routing and account numbers.

    The initial setup can take a few days as your bank initiates a one-time verification process involving two small trial deposits to your card. To locate the trial deposits within FamZoo, see here. Then, return to your online banking app(lication) to enter the trial deposit amounts and complete the verification.

  2. Use your online banking app(lication) to initiate a transfer from your bank account to your linked FamZoo card.
  3. Wait a few business days for the transferred funds to appear on your FamZoo card.

For a step-by-step example with screenshots of setting up bank transfers from a major bank, click here.

WARNING: Do not choose the expedited option if it results in a wire transfer. Our card processor cannot accept wire transfers.

Typically 2 to 3 business days. A few days longer the first time due to the initial verification step. Free at many banks for un-expedited transfers. But, we’ve seen fees up to $3.00. Check with your bank or credit union.
Direct Deposit

Fill in the direct deposit form attached to the bottom of the card carrier page that comes with your FamZoo card, and give it to your employer. Note that you can have just a percentage of your paycheck or even a specific amount deposited to your FamZoo card each pay cycle.

Typically 1 to 5 business days. Typically FREE.
Popmoney
  1. Sign up on popmoney.com.
  2. Click Send Money.
  3. Identify your FamZoo card as the recipient of the funds by giving your card a name, selecting Bank Account with Checking as the account type, and entering the routing and account numbers for your card.
  4. Enter the amount and send date.
  5. Identify the source of funds for your transfer, like the bank debit card for your checking account.
  6. Click Send.

To watch a video of how it works, click here.

To see screenshots and more info, click here.

Typically 1 to 3 business days. $0.95, although offered for free within the online banking of some banks and credit unions.
MasterCard rePower
  1. Take your FamZoo card and cash to a participating MasterCard rePower retail location. See the MasterCard rePower locator to find a location near you. Remember to bring cash! Retailers rarely accept any other form of payment.
  2. Depending on the location, you will either swipe your card, fill out a form and hand it to an agent (Western Union), or purchase a reload pack (like MoneyPak) to add money to your card. In the latter case, the money will be loaded after entering a code online or by phone.
10 minutes or less. Typically $4.95 but varies by retailer.
Reload @ the Register
  1. Take your FamZoo card and cash to a Reload @ the Register retail location like your local Walmart (accepts checks too), CVS, Kmart, Rite Aid, 7-Eleven, Walgreens, and more. See the Reload @ the Register site for a complete list of retailers and detailed information. Remember to bring cash (or a check at Walmart)! Retailers rarely accept any other form of payment.
  2. Hand the cashier your cash (or check where accepted) along with your card. If the cashier asks you to select from a menu of load types listed on the point of sale device, choose the GreenDot Universal Swipe Reload option. See what the option looks like on a Rite Aid screen here.
  3. The cashier will swipe your card, and the money will load automatically.
10 minutes or less. Up to $4.95 for cash.
$6.74 for check at Walmart.
MoneyPak
  1. Take cash to a MoneyPak retail location like your local Walmart, CVS, Kmart, Rite Aid, 7-Eleven, Walgreens, and more. Remember to bring cash! Retailers rarely accept any other form of payment for a MoneyPak.
  2. Purchase a MoneyPak with cash at the register.
  3. Go to www.moneypak.com and follow the instructions to reload your card from the MoneyPak.
Within minutes after step #3. Typically $5.95.
From your PayPal balance
  1. Link your card to PayPal as a bank checking account using its routing and account numbers.
  2. Transfer money from your PayPal balance to your linked card.

See the detailed instructions here.

Note: this load method is really only appropriate for those who regularly hold funds in PayPal because they receive payments there, or for those seeking a free (albeit slow) alternative to bank transfer when their bank or credit union still charges a fee for transfers.

Typically 2 to 3 business days after the first time which takes several days more due to the verification of the accounts. FREE.
Square Cash

NOTE: As of October 27, 2013, Square is no longer allowing customers to directly link our MasterCard® prepaid debit cards — only bank debit cards. Darn! We have an inquiry into Square’s customer support to find out the details and whether support will be re-enabled in the future. We’ll update the FAQ as soon as we hear back. In the meantime, some families have reported success with Square by using the steps below. Your mileage may vary. Our testing found this method to be unreliable.

  1. Send an email from one email address in your family to another email address in your family. The email addresses can both be associated with you (for example, your personal and work email addresses), but they must be distinct. Put the dollar amount (for example, “$100”) in the Subject line and the email address "cash@square.com" in the CC line.
  2. Follow the instructions that Square subsequently sends to the sending email address. It will describe how to link that email address with the debit card associated with your desired funding source. This is typically the debit card for your bank checking account. Remember, your debit card must have the VISA or MasterCard® logo on it. A bank card without either logo won’t work. You’ll only have to link your sending card the first time.
  3. Upon receiving the instructions that Square sends to the recipient email address, click on the link that says “Don’t have a debit card?” The next screen will describe how to deposit the cash to a bank account. Enter the routing and account number for your FamZoo prepaid card.

Having trouble or have question? Consult the Square Cash Help Center.

Up to 1 to 2 business days. FREE.

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How do I find the bank routing and account numbers for direct deposit or debit?

Each FamZoo card has a separate set of bank routing and account numbers (distinct from the number on the face of your card) that makes the card electronically accessible as a checking account. That means you can have bank transfers, paychecks, tax refunds, and more delivered right to your card. You can also set up direct debits from your card.

If you have a card that was ordered in October of 2014 or afterwards, you can find the bank routing and account numbers printed on the back of your card. The numbers can also be found on the direct deposit form at the bottom of the printed card carrier page — the page that your card was attached to when you first received it in the mail. See here for more detailed info. If you can’t read the teeny-tiny numbers on the back of your card and you can’t find the original card carrier, see here to retrieve your card’s account and routing numbers.

Important note: Be sure to count the number of zeros in your account number carefully! There are quite a few of them, and getting the number wrong will result in your direct deposits failing to go through.

Another important note: if you look up the routing number, you’ll see it corresponds to The First National Bank of Central Texas. That differs from our issuing bank listed on the back of your FamZoo card — Four Corners Community Bank. No cause for alarm! This is just due to the way our card processor centralizes direct deposit activity through one bank and then routes the funds to (or from) the issuing bank for a specific card.

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I lost the paper with my bank routing and account numbers. How else can I get them?

If you misplaced (or prematurely shredded) the card carrier with your bank routing and account numbers on it, no worries! Just call the 800 number on the back of your card, and telephone support will be able to give you the information you need.

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Where do I find the two trial deposits during verification?

Many load methods (like bank transfer and PayPal) require a one-time verification process that involves identifying two small trial deposits on your card. Each will be less than a dollar. You prove you are the card owner by finding those two deposits and reporting the amounts back to the payment provider or financial institution. Here’s how you can find the amounts in FamZoo after they have been sent (which often takes a couple of days):

  • Sign into FamZoo.
  • Visit the Accounts or Overview page.
  • Locate the prepaid account for the card you are attempting to load.
  • Click on the balance amount to get to the Transactions page.
  • Scroll through the history until you see the two transactions for the trial deposits.

Alternatively, you can enable activity alerts for your card, and you’ll receive text or email messages containing the amounts as soon as they appear.

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Can I wire funds to a FamZoo card?

No. Our card processor cannot process wire transfers. Any attempt to wire funds will be rejected. You may even get stuck with a wiring fee from the initiating financial institution for up to $30.

FamZoo cards do however handle ACH transfers using their associated account and routing numbers. See our FAQ entry for Bank Transfers.

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Reimbursing Expenses for Family Members

How does reimbursing expenses work in FamZoo?

Any family member can request reimbursement of an expense using funds from the family’s primary funding card. In FamZoo, an eligible reimbursable expense is any debit transaction on any family member’s prepaid card other than the primary funding card.

If the family member requesting the reimbursement is a child, the request can be routed to any parent in the family. If a parent requests a reimbursement, the request is always sent to the cardholder of the primary funding card.

The reimbursement request is delivered to the designated recipient via an email and a text message. Each contain a link that can be clicked to approve or deny the request. If approved, the specified amount (which may be more or less than the original amount requested) is transferred from the primary funding card to the card that incurred the expense. The reimbursement transfer results in a debit transaction on the primary funding card and a credit transaction on the reimbursed card. Both transactions send out activity alerts (if enabled).

To learn more about how to handle a typical reimbursement scenario in FamZoo and get a glimpse of the application screens involved, check out this blog post.

Tip: Reimburse your kid’s expenses afterwards instead of paying up front.

Tip: Use reimbursements to encourage this good money habit.

Tip: Reimburse your teen’s Uber and Lyft rides.

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How does a family member request a reimbursement?

To request reimbursement for an expense, a family member can follow these steps:

  • Sign into FamZoo.
  • Navigate to the Transactions page for the prepaid card account containing the expense for which a reimbursement is desired.
  • Find the transaction corresponding to the expense.
  • Bring up the Request Reimbursement form:
    • In the desktop interface, hover the mouse over the transaction, and click on the green arrow icon that appears.
    • In the mobile interface, tap the arrow beneath the transaction amount. If the family member has permission to edit the transaction (as is the case for parents), an additional tap will be required on the Request Reimbursement link appearing near the top of the Edit Transaction form.
  • Fill in the fields to select a recipient for the request (only relevant for kids), indicate the desired amount, and supply a reason for the request.
  • Submit the form to send the request off to the recipient.

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How do I approve or deny a reimbursement request?

You’ll be notified of reimbursement requests from other members in your family via an email and a text message from FamZoo. To approve or deny the request, click on the link at the bottom of the email or at the end of the text message to get to the Reimburse This? form.

Alternatively, if you do not have the email handy, you can navigate to the Reimburse This? form as follows:

  • Sign into FamZoo.
  • Find the expense with the reimbursement request pending in the Transactions page of the appropriate prepaid card account.
  • Bring up the Reimburse This? form.
    • In the desktop interface, click on the Reimbursement Pending status label.
    • In the mobile interface, tap the arrow beneath the amount, and then tap on the Reimburse this? link near the top of the Edit Transaction form.

Once you’re on the Reimburse This? form, fill in the fields to indicate the reimbursement amount (if any), whether the request is approved or denied, and any message you might have for the requesting family member. Submit the form to finish handling the reimbursement.

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Can I reimburse an expense without waiting for a request?

Yep. You don’t have to wait for your family member to request a reimbursement in order to pay them back. You can go right in and initiate a reimbursement yourself. Just:

  • Navigate to the desired expense in the Transactions page for the card upon which the purchase was made.
  • If you’re in the desktop interface, hover your mouse over the expense transaction, and click on the green arrow that appears.
  • If you’re in the mobile interface, tap the arrow beneath the amount, and then tap on the Reimburse... link near the top.
  • Fill in the Reimburse Expense form to initiate the reimbursement.

To see a parent-initiated reimbursement in action on mobile, watch this video.

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How do I see the status and history of a reimbursement?

Once a reimbursement request is in progress or has been handled, FamZoo displays the current status above the description of the expense transaction in the Transactions page. The status will be one of: Reimbursement Pending, Reimbursement Approved, Reimbursement Denied, or Reimbursed (for the case when an expense is reimbursed without a request).

You can also navigate to a detailed Reimbursement Status page that shows the complete history of the request including comments, amounts, and specific times actions were taken. If you’re in the desktop interface, just click on the reimbursement status label above the transaction’s description. If you’re in the mobile interface, tap on the arrow beneath the transaction amount. If the family member has permission to edit the transaction (as is the case for parents), an additional tap will be required on the Reimbursement Status link appearing near the top of the Edit Transaction form.

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Requesting Money from Parents

How do money requests work in FamZoo?

A child can make a money request to parent by filling in a form that indicates the desired amount, the receiving prepaid card, and an optional reason for the request. Once the form is submitted, the request is delivered to the selected parent via email and text message. The parent can then approve, partially approve, or deny the request and supply an optional explanation. Any approved amount is automatically transferred from the family’s primary funding card to the child’s card. The transfer results in a debit transaction on the primary funding card and a credit transaction on the receiving card. Both transactions send out activity alerts (if enabled).

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How does a child make a money request?

To initiate a money request, a child can click (or tap) on the arrow appearing next to a prepaid card account. Once the child fills out the Money Request form and submits it, a notification will be sent to the selected parent who can then approve or deny the request.

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How do I approve or deny a money request?

You’ll be notified of your child’s money request via an email and a text message from FamZoo. To approve or deny the request, click on the link at the bottom of the email or at the end of the text message to get to the Approve This? form.

Alternatively, if you don’t have the notification email or text message handy, you can navigate to the Approve This? form as follows:

Once you’re on the Approve This? form, fill in the fields to indicate the approved amount (if any), whether the request is approved or denied, and any message you might have for your child. Submit the form to finish handling the request and initiate the money transfer (if any).

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How do I see the history of money requests?

To visit the Money Requests page and see a listing of pending and completed money requests, follow these steps:

  • Sign into FamZoo.
  • In the desktop interface:
    • Click on the Bank tab.
    • Click on the Money Requests viewing link.
  • In the mobile interface:
    • Tap on Accounts at the bottom of the screen.
    • Tap on the message at the top of the screen that indicates how many pending money requests are waiting for you.

When viewed by a parent, pending request entries include an Approve? link beneath the amount that can be clicked (or tapped) on to approve or deny the request. Completed request entries include a Status link beneath the amount that can be clicked (or tapped) on to see detailed information about the history of the selected money request.

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Referral Program

Can I get paid for referring new families to FamZoo?

Yes, indeed! If your family has an active FamZoo primary funding card and your FamZoo account is in good standing, you’re eligible to receive a $15 bonus for each family that signs up and subscribes to FamZoo using your special referral link. There’s something in it for each family you refer, too: when you receive your referral bonus, they’ll receive an extra free month of FamZoo — thanks to you!

Note: If you’re serious about referring a significant volume of families to FamZoo — perhaps through your personal finance blog or some other online business — you’ll want to check out our affiliate program instead. It takes a little more effort to sign up, but it’s free to participate, and the program offers a more long term revenue sharing opportunity.

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To locate and share your special referral link:

  • Sign into the FamZoo application as a parent.
  • Click on the Store tab.
  • Click on the Referrals viewing link.
  • Click on the Refer a Family action link.

On the Refer a Family page, you’ll see several different ways to share your referral link.

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Where and when do I receive my referral bonus?

We deposit a $15 referral bonus on your primary funding card as soon as the referred family pays us at least $15 in subscription fees. At that time, we also credit the referred family with an extra free month of FamZoo. You and the referred family will both receive an email notification from FamZoo when the bonuses are delivered.

You will only receive your referral bonus if:

  • the referred family does not cancel before paying at least $15 in subscription fees,
  • your primary funding card is active and your FamZoo account is in good standing when we attempt to deliver your bonus, and
  • the referred family registered using your referral link.

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How do I check on the status of my referrals?

To see a full listing of the families who have registered using your referral link and the current status of your bonus payments:

  • Sign into the FamZoo application as a parent.
  • Click on the Store tab.
  • Click on the Referrals viewing link.

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Dealing with Problems and Getting Help

I’m trying to order cards, but online verification is failing. Help!

We are required by law to verify the identity of our prepaid cardholders. Typically, we do so by gathering some personally identifiable information and sending it securely to a third party identify verification service for approval. (Note: this is not a credit check, and we do not store your verification information on FamZoo’s servers.) Occasionally, the identity verification service has incorrect or incomplete information on file which causes online verification to fail for legitimate prospective cardholders.

Unfortunately, FamZoo has no way of correcting the information held on file by the third party verification service, but we do have the option of an alternate manual verification process. The process involves providing two forms of identification via email or fax to our card processing partner. If you have the required documentation and would like to use the manual verification process to complete your card order, please contact us and we’ll make the necessary adjustments so you can proceed to checkout.

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My card is being declined when attempting a purchase! Help!

To find out why a purchase attempt is being declined and what to do about it:

  • Click or tap on the balance for the card to go to its Transactions page.
  • Locate the declined transaction in the listing.
  • Click or tap on the Why? link under the red status box next to the declined transaction.

Here are some of the most common reasons for declines when attempting to make a purchase with your card:

  • Insufficient funds - the balance of funds on the card at the time of purchase was not enough to cover the amount of the item(s) or the amount the merchant was attempting to authorize. Note: there are cases when a merchant may authorize an amount greater than the amount of the eventual purchase — classic examples include gas stations (often up to $100 if you do not tell the attendant exactly how much to authorize beforehand) and restaurants (often as much as 20% extra to cover a potential tip). To determine the amount the merchant attempted to authorize for a transaction, see here.
  • Address mismatch - a purchase may be declined if the address you have on file with a merchant does not match the address you have on file with the card. For example, in iTunes, visit your Account Info page, look for the Billing Info section under Apple ID Summary, and confirm that the name and address under Billing Address matches the cardholder name and address associated with the FamZoo card tied to the iTunes account. A mismatch here may result in declines on your iTunes purchases. If you have moved and you need to update the address on file with your card, see here.
  • Too many failed PIN entry attempts - entering your card’s PIN incorrectly several times in a row can result in a temporary hold being placed on your card by the card processing system. This causes subsequent transactions to be declined until the hold is removed. Call the 1-800 number on the back of your card to see if you have a temporary hold and to have it removed.
  • Merchant does not accept prepaid cards - some merchants do not accept prepaid debit cards. Lame. Contact the merchant to see if this is the case.

Still not sure why your card is being declined? Contact us and we’ll help you get to the bottom of it.

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Where can I find the amount the merchant attempted to authorize?

To see the amount the merchant attempted to authorize for a purchase:

  • Find the transaction for the purchase on the Transactions page for the card.
  • Click on the status label next to the transaction to show its detailed history.
  • Look in the amount column to determine how much the merchant attempted to authorize. Note: there are cases when a merchant may authorize an amount greater than the amount of the eventual purchase — classic examples include gas stations (often up to $100 if you do not tell the attendant exactly how much to authorize beforehand) and restaurants (often as much as 20% extra to cover a potential tip).

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I don’t see our new cards in the FamZoo app(lication)!

If you aren’t seeing some or all of your FamZoo cards when you sign into FamZoo, it may be due to one of the following reasons:

  • You haven’t activated your new cards online yet. Activate your new cards online by following the instructions here. Cards will only appear within the FamZoo app(lication) after they are successfully activated online at FamZoo.com.
  • You activated your new cards over the phone. You can’t fully activate FamZoo cards by telephone. So if you have already called the 1-800 number to activate your cards, you will still need to activate them online. Note that in the process of activating your cards over the phone, you were probably required to update your PIN from the default setting. If so, be sure to enter your updated PIN when activating online (even if we ask for the default one).
  • You ordered a new or replacement card over the phone. All FamZoo cards must be ordered online from FamZoo.com. If you ordered a new or replacement card for your family pack via the 1-800 number, please contact us so we can do the magic to have it added to your family pack.
  • The card account has been hidden. It’s possible a parent in your family hid the card account and you just need to unhide it.

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I’m trying to activate my cards online, and my PIN isn’t being recognized!

This typically happens when you’ve contacted our phone support via the 1-800 number prior to activating the cards online. The phone support process will often force you to select a new PIN for your card if it hasn’t been updated from its default value. If this is the case, enter your new updated PIN in the Card Activation PIN field instead of the card’s default PIN.

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I forgot my PIN!

If you can’t remember the updated PIN value you selected to replace your card’s default PIN value, call the 1-800 number on the back of your card. After walking through the security prompts, you’ll be able to talk to a customer service representative who can help you change the PIN after verifying your identity.

Tip: Teach kids a simple secure PIN strategy. (Video)

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How do I replace a lost, stolen, or damaged card?

If you think a card in your family has been lost or stolen, please lock the card right away to prevent any unauthorized purchases. If the card turns up after a brief period, you can just unlock it. If the card doesn’t turn up or is damaged, you can order a replacement following the instructions here.

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How do I change the address associated with my card?

If you have moved since you ordered your card, you can update the address associated with your card as follows:

  • Sign into the FamZoo application as the registering parent.
  • Click on the Contact Us link at the top of the page.
  • Fill in the Message field with the request: “Please update the address for the card ending in NNNN to ADDRESS.” Substitute NNNN with the last four digits of the card number for the card being updated, and substitute ADDRESS with your new address. If multiple cards need updating, include the last four digits for each.

For your security, please do not send the full card number in your message — just the last four digits.

If you don’t update your address, you may see declines from merchants who detect a mismatch between the address you have on file with the merchant and the address you have on file with the card.

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Am I responsible for unauthorized purchases?

The cardholder will not be held responsible for unauthorized purchases made in a store, over the telephone, or online as long as the conditions defined by the MasterCard® Zero Liability policy are met. For the specific conditions and exceptions, see here.

If you notice unauthorized purchases on your card, please:

  • Lock the card.
  • Replace the compromised card by following the instructions here.
  • Call the 1-800 number on the back of the card immediately to file a claim with our card processor about the fraudulent charges.

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How do I get MasterCard’s Chargeback purchase protection?

To receive MasterCard’s Chargeback purchase protection when making a retail purchase, choose the CREDIT option on the point of sale device and sign the receipt.

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If you’ve followed our instructions carefully for loading a FamZoo card from PayPal but you still receive a communication from PayPal indicating an error like “bank has been disabled” or “bank could not complete the transfer,” please try contacting PayPal customer support. Be sure to have the account and routing numbers handy for your card. Also make sure PayPal knows you want to link the card as a checking account. PayPal customer support should be able to set up the link manually for you. Other FamZoo families have reported success with this approach, but let us know if it doesn’t work for you, and we’ll see if we can help resolve the problem.

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How do I close one of the cards in my family?

If you are no longer using one of the cards in your family:

  • Sign into the FamZoo application as the registering parent.
  • Note the last four digits of the card number for the card to be closed. You’ll see the last four digits listed next to its account name in the Overview or Accounts page.
  • Use the Transfer link to move any funds on the card to another card in your family.
  • Click on the Contact Us link at the top of the page.
  • Fill in the Message field with the request: “Please close the card ending in NNNN.” Substitute NNNN with the last four digits of the card number for the card being closed. Note: for your security, please do not send the full card number in your message — just the last four digits.
  • Click Send.
  • We will send you a response by email confirming the card has been closed, and its associated account has been hidden within the app(lication).

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How do I reach customer support?

If you have questions or issues, be sure to check out our General FAQ as well as the card specific FAQ here.

If you:

please call our card processor, TransCard, using the 1-800 number listed on the back of your card.

Otherwise, for any other issue, please contact us one of the following ways:

  • Sign in to FamZoo web application, and click on the Contact Us link at the top of the page.
  • Sign in to FamZoo on a mobile device, and tap on the Contact Us entry in the menu at the top right corner of the Accounts screen.
  • Not signed in or can’t sign in? Click here: Contact Us
  • Call 1-412-FAMZOO1 (1-412-326-9661). If we don’t pick up right away, please leave a message describing your question. Don’t forget to include your callback number and the best time to reach you. We’ll call you as soon as we can. Note that we are on Pacific time in the United States.

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46 comments:

Anonymous aka The Blog Post Author

What happens if I sign my child up when he is 12 and he turns 13? How do I add a teen card for him and cancel the child card?

Bill Dwight aka The Blog Post Author

Excellent question about when your child transitions to a teen. Added this FAQ entry: http://blog.famzoo.com/p/famzoo-card-faqs.html#age-transition

MKI aka The Blog Post Author

I am checking Dwolla's website, and it seems there's a charge of 25cents per transaction over $10. Might be a new thing? Just wanted to share since it's not completely free (any longer, perhaps).

Bill Dwight aka The Blog Post Author

Hi MKI - it's still free. The trick is that you aren't doing a purchase transaction which incurs the fee that you correctly cite. Instead, your doing a deposit from one bank account (say your checking) into Dwolla followed by a withdrawal to another (your parent funding card). Dwolla does not charge you to move your money between Dwolla and your registered bank accounts. It's a little tedious and takes some patience, but it is indeed free.

Anonymous aka The Blog Post Author

What's famzoo contact number?

Bill Dwight aka The Blog Post Author

I just updated the "How do I reach customer support?" entry with our contact number.

Vicky aka The Blog Post Author

Can the child cards have their names printed on them if they are over 13 ?

Bill Dwight aka The Blog Post Author

Hi Vickey,

Yes, kids who are 13 and older can be the official cardholder and will have their name on the card as well as a custom emboss line of your choosing. So, for example, a card might have the following two lines printed on it:

JOHNNY SMITH
SAVING CARD

That second line is typically used to indicate the card's purpose (Clothing Expenses, Charitable Giving, Emergency Fund, etc.).
When a child is under 13, the official cardholder is the parent and the second emboss line is typically used to indicate the child AND the purpose. For example:

JANE SMITH
JOHNNY'S SPENDING

Here's the FAQ link for more info on how we handle cards for kids under 13:
http://blog.famzoo.com/p/famzoo-card-faqs.html#on-behalf-of-cards

Anonymous aka The Blog Post Author

One of the parents in my family is in the UK. I know he cannot have a card but, is it possible to allow him to see our family activity? He wants to be involved with teaching about finical matters

Bill Dwight aka The Blog Post Author

Yes, any parent within a given family's FamZoo account can see the activity on all of the cards in that family. There must be at least one parent cardholder residing in the US to be the legal cardholder for the parent funding card. The other parent(s) can be remote and need not be cardholders. This arrangement works great for military families, split families, etc.

Jason Sandry aka The Blog Post Author

Can you have 2 parental cards?

Bill Dwight aka The Blog Post Author

Hi Jason. Yes, you can have multiple parent cards, but only one can be the primary funding card which serves as the source for any allowance, chore, interest, etc payments as well as the destination for any penalty or automatic debit payments. Lots of parents have multiple cards that they use as the electronic equivalent of the classic cash envelope system.

Unknown aka The Blog Post Author

Am I able to restrict my childs ability to take cash at an ATM or receive cash back at a store?

Bill Dwight aka The Blog Post Author

Good question. No, we do not place any restrictions on the cards like that, but we do allow you to get a real-time notification every time the card is used. So, you can lay down your ground rules with your child ahead of time, and then have "the talk" if they're violated (as indicated by an alert). Some parents put their kids on a financial "time-out" with the lock/unlock card feature when they don't follow the rules. In general, we tend to design toward a "trust-but-verify" model and otherwise leave the options fairly open.

Activity alerts: http://blog.famzoo.com/p/famzoo-card-faqs.html#activity-alerts
Lock/unlock card: http://blog.famzoo.com/p/famzoo-card-faqs.html#lock-card

williams aka The Blog Post Author

how do you transfer money from your checking account to the primary card holders account?

Bill Dwight aka The Blog Post Author

Williams, you can use one of the methods mentioned in the section "How do I load money onto my FamZoo funding card?"
See: http://blog.famzoo.com/p/famzoo-card-faqs.html#how-load
One of the easiest is Popmoney. See:
http://blog.famzoo.com/p/famzoo-card-faqs.html#popmoney

Let us know if you have any trouble or additional questions.

Unknown aka The Blog Post Author

My child has some money adding up in her "savings" account and would now like to deposit it into her bank savings account at Wells Fargo. What's the best way to do this?

Bill Dwight aka The Blog Post Author

If you bank at Wells Fargo, you can (a) link your primary funding card to Wells as an external transfer destination if you haven't already - see http://blog.famzoo.com/2013/07/load-prepaid-card-wells-fargo.html (b) use FamZoo to transfer her savings balance to your primary funding card (c) use Wells Fargo online banking to transfer the funds from your primary funding card to your checking account (d) use Wells Fargo online banking to transfer the funds from your checking account to her savings account - assuming you have visibility to her savings account.

Or, you could (a) use FamZoo to transfer her savings balance to your primary funding card (b) write your child a check for the balance that she can deposit in her savings account.

There are other options, but those are probably the best to explore first.

Anonymous aka The Blog Post Author

I Cant find anything that specifically talks about setting up the savings portion of the card. Does the funds for this stay separate from their spending availability? I really don't understand how it works. I created a savings but there aren't any instructions on how to use it as far as I can see. is there? what exactly does this do? do you designate funds to this directly separate from their spending funds?

Anonymous aka The Blog Post Author

I RECEIVED BY CARDS AND ONCE I ACTIVATED MY MAIN PARENT CARD IT SHOWS MY TEENAGERS CARDS AS ACTIVATED NOW AS WELL. DO THEY STILL NEED TO ACTIVATE THEM SEPERATELY ONLINE TOO LIKE I DID OR ARE THEY GOOD TO GO NOW? ALSO, IF NOT DO NEED TO ACTIVATE SEPERATELY DO THEY USE THE SAME PIN I CHOSE OR DO I NEED TO GO TO THEIR CARD SEPERATELY TO SET THEIR OWN PINS?

Bill Dwight aka The Blog Post Author

Re: "savings portion of the card" question: each of the cards are like little individual envelopes or buckets of money, so if you'd like to keep savings separate from spending, you just order an additional card for savings so that you child has a spending "bucket" and a separate savings "bucket". Then you can split allowance or chore payments between the two, set up parent-paid interest on the savings card to teach your kid about the power of compound interest, etc. Additional cards can be ordered from the Store tab when signed in as the parent

Bill Dwight aka The Blog Post Author

Re "activating the cards" question: when you activate the main parent card, all of the cards in that family order are also activated. The kids cards will have their default PINs which you can (and should!) change by following the instructions in this FAQ entry: http://blog.famzoo.com/p/famzoo-card-faqs.html#update-pin

Anonymous aka The Blog Post Author

Then what is the savings option for that asks you for your goal and balance etc.. I apologize I'm still confused what that's for and I still can't find any instructions regarding it.

Bill Dwight aka The Blog Post Author

A savings goal simply shows progress towards a target balance amount for a given account - just a general way to say "show me how I am progressing towards reaching $X in Y account." You could have a savings goal in any type of account. For example, if your daughter has a goal to donate $50 to the Red Cross, she could create a savings goal named "Red Cross Donation" for $50 associated with her Charitable Giving account. Then, she'd see progress towards that goal.

Anonymous aka The Blog Post Author

hi, how do my teenagers signin to see their personal card accounts and activity? I can't find anything on the FAQs. How is that linked to mine? Do they need our family sign in name to do it? What info do they need to have to do it?

Bill Dwight aka The Blog Post Author

When you registered your family and ordered your cards, you specified a family sign-in name and member sign-in names plus passwords for yourself and each member of your family for whom you ordered a card. You can see the member names by signing into FamZoo as the registering parent (with your family name, member name, and password) and clicking on the family tab. From there you can update their member names, passwords, and other settings via the Settings link in the left hand sidebar. Please see: http://blog.famzoo.com/p/famzoo-faqs.html#edit-member. Feel free to contact us with any additional questions: famzoo.com/contactus - we're always happy to help!

Beth aka The Blog Post Author

I am having trouble with the reload at the register method of adding money. I am going to a green dot approved retailer but they are saying my card does not work when scanned. My card has been activated. When I am redirected to the green dot website from the reload at the register link on your faq page and I search approved cards neither famzoo nor the four corners bank show up in their list. Can you verify this is still a valid method of adding funds please?

Anonymous aka The Blog Post Author

I'M SURE THEY WILL RESPOND SOON TO YOU AS WELL. BUT I WANTED YOU TO KNOW THAT I REFILL MY FAMZOO AT WALMART AND WALGREENS AT THE REGISTER WITH CASH ALL THE TIME AND AGAIN YESTERDAY AT WALGREENS AND IT WORKED JUST FINE. MAYBE TRY A DIFFERENT RETAILER. I'M ASSUMNING THE PERSON HELPING YOU IS NOT TRAINED AND IS HITTING THE WRONG THING ON THEIR SCREEN FOR PREPAID CARDS. GOOD LUCK TO YOU. WE LOVE OUR CARDS AND HAS HELPED THE KIDS SO MUCH. :)

Bill Dwight aka The Blog Post Author

Hi Beth, Apologies for the inconvenience - very frustrating. I just ran an anonymous search through our recent transaction data and confirmed that we're processing a solid volume of Green Dot loads right up to the present time. That said, we do occasionally hear of problems like the one you're reporting. Unfortunately, we have no way of verifying whether it's an education problem with the person working the register (as Anonymous mentions as a possibility just above) or some problem with the point-of-sale configuration, or something else entirely. I think the suggestion to try another local retailer (if possible) is a good one. Or, perhaps try one of the other load options like Popmoney. You can also email us at "service at famzoo dot com" to discuss the problem in more detail.

SaXx aka The Blog Post Author

I have two spending accounts and a long term savings account for my son. If he has $10 in his general spending account and $15 in his maintenance account (haircut, deodorant etc) and $20 in his savings and only 1 spending card... How much is available for him to spend? How does he spend from the two accounts? Does it just spill over our does he do a transfer into the general spending when he is ready to use it? I'm sorry for all the questions but I cannot find any information on spending out of the accounts on the support site or blog. I appreciate your help.

Thanks,

Bill Dwight aka The Blog Post Author

Your example sounds like a mixture of IOU accounts (which simply track how much money you owe a kid) and prepaid card accounts (which hold actual money). Your child can only spend the amount that is currently available on the specific card being used for the purchase. If he had $15 in his Maintenance IOU account and needed to get a haircut for $10, you could transfer $10 from that IOU account to his spending card. Behind the scenes, that pulls $10 off your parent funding card, adds it to his spending card, and debits the Maintenance IOU account by $10. (See http://blog.famzoo.com/p/famzoo-card-faqs.html#transfer-iou-prepaid ) Alternatively, you could order separate cards for each category of spending and use the right card for the right purpose. Either way, having too many different buckets can get cumbersome. In general, I recommend keeping things pretty simple with a small number of buckets. The most effective way for us to help you develop the right setup for these types of scenarios is via our Contact Us link or emailing us at "service at famzoo dot com" - we can also set up a call to talk through it.

Teresa Edmunds aka The Blog Post Author

Can my 11 year old use their card to make a purchase in a store...
What time of the day does an automatic allowance transfer to their cards...

Bill Dwight aka The Blog Post Author

Hi Teresa, the legal cardholder is supposed to be present when purchases are made in stores (given how many kids are running around making purchases with their parent's credit cards, I'll let you decide how often merchants actually check that though!). Look for the entry "How do you track purchases and donations for kids under 13?" above for more details on how our cards work for kids under 13. Currently, our automated allowances are delivered very early in the morning on the designated delivery day - we do that just to reduce load on our system during peak usage times. You can, of course, move funds from your parent funding card to your kid's card anytime as needed by clicking/tapping the plus next to their card account in the FamZoo app(lication).

ScottO aka The Blog Post Author

Can multiple cards be backed by the same account? i.e. I'd like to setup a prepaid weekly account for food (groceries + restaurants) that both my wife and I can use to ensure we stay on budget.

Bill Dwight aka The Blog Post Author

ScottO, we don't have the ability to map 2 cards to one prepaid card account (each card is its own account). One possible workaround is to have 3 cards: a primary funding card and spending card for each of you. Then use an IOU account to track the family's consolidated spending for your Grocery+Restaurant budget. For example, if you need to make a Grocery purchase, you make a transfer from the Grocery+Rest IOU account to your spending card (behind the scenes, that moves money from your primary funding card - see http://blog.famzoo.com/p/famzoo-card-faqs.html#transfer-iou-prepaid). If your wife wanted to make a restaurant purchase, she'd transfer the amount from the Grocery+Rest IOU account to *her* spending card. The benefit is you don't have two cards for every category. The downside is that you might find the transfers from the IOU account to the spending cards before each purchase too cumbersome - but maybe that's a way to dampen spending :-)

scottyballgame71 aka The Blog Post Author

Hi. Our 13 year old son is going on a 1 month travel program this June 27 through July 24. Is the FamZoo card an option for him since we won't need this card again until next summer. We don't want to have any monthly fee when it's not being used. Please advise. Thank you.

Bill Dwight aka The Blog Post Author

Hi Scotty. If the card is just going to be used for a single month, a FamZoo card isn't really the right solution. Maybe just a non-reloadable MasterCard, VISA, or Amex card would fit the bill for your needs.

Anonymous aka The Blog Post Author

Can there be two cards per spending account for children under 13 so that each parent can keep a copy in their wallet (for children who are not yet old enough or responsible enough to carry their own cards)?

Bill Dwight aka The Blog Post Author

Hi there, unfortunately, we do not have the ability to have multiple cards map to a single account. So, the closest approximation you could do there is to have two separate cards/accounts for, say, Suzy - "Suzy With Dad" and "Suzy With Mom". You could have any allowance/chore/etc payments delivered to one of them, and transfer funds to the other on-demand when on an outing with the other parent that warrants a purchase. Related: http://www.familyfinancefavs.com/2017/06/get-kid-just-in-time-card-smarter-safer-spending.html

Unknown aka The Blog Post Author

Can the children's cards be loaded at a register as well?

Kari Sparks aka The Blog Post Author

Can other parents (such as when there has been a divorce) load money into the kids famzoo cards at stores?

Bill Dwight aka The Blog Post Author

All FamZoo cards have their own account and routing numbers which allows any individual card to be loaded by any of the load methods mentioned in the FAQ. That said, parents usually just load the primary funding card because they can use the FamZoo app(lication) to move funds from the primary funding card to any other card in the family instantly and for free. Kari, this post might be helpful for a divorce situation: http://blog.famzoo.com/2017/06/allowance-chores-multiple-parents.html

Anonymous aka The Blog Post Author

Couple of questions:
- Is there a way to allow my kids to transfer money between their own IOU accounts and their Debit Card Account?
- Is there a way to allow my kids to do transfers between their accounts without letting them also directly debit/credit their accounts outside of a transaction?

Bill Dwight aka The Blog Post Author

Generally, kids can't move real money themselves. But, you can use the trick mentioned in this entry to pull it off:
http://blog.famzoo.com/p/famzoo-card-faqs.html#kid-transfer
Worked well for my older teens.

Unknown aka The Blog Post Author

Can my teenager have their paycheck deposited directly to their card?

Bill Dwight aka The Blog Post Author

Yes, each card has its own account and routing number combo that makes it look like a checking account for the purpose of direct deposits and ACH transfers. So, you can use any of the load methods listed in the FAQs for any one of the cards in the family pack. We see lots of teens put summer and part-time job paychecks right on their cards this way. Just be aware of the card limits listed in the FAQs (but 99% of teens aren't making enough for those limits to be a problem.)

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