4 Ways to Reload FamZoo Cards Instantly

“I need to get more money on my FamZoo card. Right. Now.

I hear that often from panicked parents.

Good news on that front! Apple just joined the instant reload party.

On August 5th, Apple added instant transfer support for MasterCard debit cards — like ours. I tested it myself the following weekend. Worked like a charm. 99 bucks to my Bank of Dad card instantly for a $1 fee. (Apple has since bumped up the fee from 1% to 1.5%.)

That brings the digital wallet instant transfer support count to three: Apple, PayPal, and Venmo. So, if you have money sitting in any one of those digital wallets, you can move it over to FamZoo within minutes.

All three digital wallets now charge the same fee for instant transfers: 1.5% of the amount, with a minimum fee of 25 cents and a maximum fee of $15.

Unfortunately, CashApp is the one remaining instant transfer hold out. CashApp doesn’t support linking the FamZoo card as a debit card yet. So, only the slower 1 to 3 business day transfer option is available there.

Here’s a summary of the FamZoo reload support for the major digital wallets:

Digital Wallet Instant
(1.5% fee)
1-3 Business Day
Apple Cash

To perform an instant transfer:

  1. Move some funds into your digital wallet (if you don’t already have a balance).
    Apple Cash Instructions
    PayPal Instructions
    Venmo Instructions
  2. Add your FamZoo card as a debit card to your wallet (first time only).
    Apple Cash Instructions
    PayPal Instructions
    Venmo Instructions
  3. Initiate an instant transfer from your wallet to your FamZoo card.
    Apple Cash Instructions
    PayPal Instructions
    Venmo Instructions

If you aren’t in a hurry and want to avoid the fee, you can add your FamZoo card account as a bank account to your digital wallet instead. Then, select the slower 1 to 3 business day option when transferring. To add your card as a bank account, you’ll need its routing and account numbers which you can find on the FamZoo Card Information screen.

Pro Tip: you must enter your card’s routing and account number manually, not by searching on our issuing bank’s bank name. That’s because the FamZoo card program has a special routing number at our bank. It’s different from traditional retail banking routing number that you’d find in a name search for our bank. So, if you’re prompted for a bank name on a search screen, type in “add manually’ instead of the bank name. That should yield an alternate screen allowing you to type in the numbers explicitly.

Not digging the Internet’s digital wallet scene? No worries!

There’s always the trusty in-the-real-world option number 4: the “sneakernet” option. Hoof it down to your nearest Walmart, CVS, Rite Aid or other participating retailer with some real cash in your real wallet. You can reload your card within minutes at the register — typically for a flat fee of $4.95. See here for instructions and store locators.

So, that’s 4 ways to reload your parent card in a pinch. Right. Now.

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