How to Load Your Card

Your family’s funding card typically comes pre-loaded with a modest amount of money — from $5 to $50.

Once loaded, parents can move money instantly between any of the cards in the family using the FamZoo app.

Before long, you’ll need a secure way to reload your funding card.

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Choose from these secure load options:

	Bank Account Transfer funds from your bank account to your card. Takes 1-3 business days. Often free. SEE INSTRUCTIONS HERE
	Direct Deposit Instruct an employer or government agency to deposit funds on your card. Takes 1-5 business days. Free. SEE INSTRUCTIONS HERE

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Digital Wallet Transfer funds from an online digital wallet like Apple Pay. Takes 0-3 business days. Free except for instant transfers. SEE INSTRUCTIONS HERE

Help!

Are you having trouble reloading and need some help?

Contact us online or call us at 412-326-9661.

Note: Our load options work for any FamZoo card. Most families load only the funding card, but there are times when loading the other cards directly is handy — like loading a teen’s card via direct deposit from a summer or part-time job.

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The Most SECURE Solution

How is loading FamZoo cards so secure?

FamZoo. Funny name. Serious security.

You can rest easy knowing:

• Nobody can steal your main bank account info from FamZoo. We never ask for it. We never store it.
• Nobody can drain your main bank account using the FamZoo app. We never automatically pull funds from your bank account.

For the highest security from fraudsters (and crafty kids!), you always PUSH funds into FamZoo from your own secure online banking application or by using one of our other load options.

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Bank Account

Transfer funds from your bank account to your card.

You can transfer funds to your FamZoo card from almost any conventional bank account using the online banking service provided by your bank or credit union.

If you ordered your cards through...

• Amboy Bank — see the steps here.
• Claremont Savings Bank — see the steps here.
• Community Bank & Trust Waco — see the steps here.
• Decorah or Cresco Bank — see the steps here.
• Firelands Federal Credit Union — see the steps here.
• Kohler Credit Union — see the steps here.
• Lake City Bank — see the steps here.

Otherwise, follow these two-part instructions:

1. One-time setup: Link your FamZoo card to your bank as an external checking account.
2. Whenever you want to reload: Transfer funds from your bank account to the linked FamZoo card.

Note: If your financial institution does not support ACH transfers to external accounts, try using a money transfer service like Xoom or one of our other reload options.

Part 1: Link your FamZoo card to your bank

You only need to complete these steps once for each FamZoo card you want to fund from your bank.

1. Get your FamZoo card’s routing and account numbers

   Each FamZoo card has its own bank routing and account numbers used for ACH transfers and direct deposit. These are different from the card number printed on the card and used for purchases.

   To find them, sign into FamZoo as a parent and open the Card Information screen for the desired card.

   Desktop UI:

   • Select Bank › Accounts.
   • Click the desired card’s balance to open its Transactions listing.
   • Click Card Information in the left-hand sidebar.

   Mobile UI:

   • Tap Accounts at the bottom of the screen.
   • Tap the desired card’s balance to open its Transactions listing.
   • Tap Card Information from the menu in the upper-right corner.
2. Add the FamZoo card as an external checking account

   Sign into your financial institution’s online banking website and look for an option such as Add External Account, often found in the Transfers section.

   Add the FamZoo card manually using its routing and account numbers. You may be asked to search for our bank’s name first. Because FamZoo cards use a different routing number from the bank’s retail checking accounts, bypass that search and enter the FamZoo routing number directly.

   Be sure to identify the FamZoo card as a checking account, not a savings account.

   If you cannot find an external-account option in your bank’s mobile app, check the bank’s full online banking website instead. Some banks do not provide this setup option in their mobile apps.

3. Verify the FamZoo card using trial deposits

   Choose trial deposits as the verification method.

   Your bank will typically send two small trial deposits to the FamZoo card, then reverse them.

   Do not use instant verification through account sign-in. Our card processor does not support that verification method. Trial deposits are the only supported method.

4. Complete verification

   Allow 1–3 business days for the trial deposits to appear in your FamZoo card’s transaction history.

   Once they appear:

   • Note the trial-deposit amounts you see on the card’s Transactions screen in FamZoo.
   • Sign back into your bank’s online banking service.
   • Find the pending external account, often found in the Transfers section.
   • Enter the trial-deposit amounts to complete verification.

Setup complete. Your FamZoo card should now appear as an available destination when you make transfers from your bank.

Part 2: Transfer money to your FamZoo card

Once the one-time setup above is complete, reloading your card is simple.

1. Start a transfer at your bank

   Sign into your bank’s online banking service and open its Transfer screen.

   Select:

   • From: The bank account you want to fund the card from.
   • To: Your linked FamZoo card account.
   • Amount: The amount you want to transfer.

   Be sure the amount is below your FamZoo card’s maximum transfer limit.

2. Submit the transfer as an ACH transfer

   Submit the transfer using your bank’s normal ACH transfer option.

   Do not choose an expedited option if it sends a wire transfer. FamZoo cards can receive ACH transfers, but not wires.

3. Wait for the funds to arrive

   Transferred funds typically appear on your FamZoo card within 1–3 business days. Weekends and bank holidays do not count as business days.

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Direct Deposit

Instruct a payor to deposit funds directly on your card.

You can load paychecks, tax refunds, government benefits, and more onto your card via direct deposit. There is no fee.

Provide the routing and account numbers for your FamZoo card to your payor. You’ll find the numbers on the Card Information screen.

In most cases, you can elect to deposit a percentage of your pay or a specified fixed amount.

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Digital Wallet

Transfer funds from an online digital wallet to your card.

You can reload your FamZoo card through supported digital wallets such as Apple Cash, PayPal, Cash App, and Venmo.

The process generally has two steps:

1. Fund your digital wallet. Add money from your bank debit card or checking account, or receive a person-to-person payment from another user. If your wallet already has enough money in its balance, you can skip this step.
2. Transfer funds from the wallet to your FamZoo card. Depending on the wallet, you may be able to transfer:
   • within 1–3 business days for free using your FamZoo card’s routing and account numbers, or
   • instantly for a fee using the FamZoo debit card number.

The available funding and transfer methods vary by wallet, as described below.

• Apple Cash
• PayPal
• Cash App
• Venmo

Apple Cash

You can reload your FamZoo card through Apple Cash in two steps:

1. Add money to your Apple Cash balance. You can fund Apple Cash from your bank debit card or receive an Apple Cash person-to-person payment from another Apple Cash user. If you already have enough money in your Apple Cash balance, skip this step.

   See Apple’s instructions here under the section “Add money to Apple Cash”.

2. Transfer the money from Apple Cash to your FamZoo card. You can transfer from Apple Cash to your FamZoo card in either of two ways:
   • Bank transfer: Transfer to the FamZoo card using its routing and account numbers. Bank transfers are free and typically take 1–3 business days.
   • Instant transfer: Transfer directly to your FamZoo card using its debit card number. The funds typically arrive immediately, but can take up to 30 minutes. Apple currently charges 1.7%, with a $0.25 minimum and $25 maximum.

   See Apple’s instructions here under the section “Transfer money in Apple Cash to your bank account or debit card”.

Troubleshooting Tips

My FamZoo card account is not listed as a free bank transfer option. Apple Cash keeps one bank account on file for 1–3 business day transfers. If another bank account is already linked, update or replace it with your FamZoo card’s routing and account numbers. See Apple’s instructions here under the section “How to update your bank account information”.

My FamZoo card is in my Apple Wallet but is not shown as the destination for Instant Transfer. Apple may show a single debit card on the Transfer to Bank screen. If you have multiple debit cards in your Apple Wallet, it may not show your FamZoo card. Continue anyway and you should have the option to change the selected debit card to your FamZoo card on the final authorization step. If you do not see this option, remove debit cards other than your FamZoo card from your Apple Wallet and try again.

I do not see all of the transfer options listed above. In some cases, large text or display settings can cause Apple Cash controls to disappear from view. Try temporarily reducing your text size or display zoom and check again.

PayPal

You can reload your FamZoo card through PayPal in two steps:

1. Add money to your PayPal balance. You can fund PayPal from your bank debit card or checking account, or receive a person-to-person payment from another PayPal user. If you already have enough money in your PayPal balance, skip this step.

   See PayPal’s instructions here.

2. Transfer the money from PayPal to your FamZoo card. You can transfer from your PayPal balance to your FamZoo card in either of two ways:
   • Bank transfer: Transfer to the FamZoo card using its routing and account numbers. Bank transfers are free and typically take 1–3 business days.
   • Instant transfer: Transfer directly to your FamZoo card using its debit card number. The funds typically arrive within minutes, but can take up to 30 minutes. PayPal currently charges 1.75%, with a $0.25 minimum and $25 maximum.

   See PayPal’s instructions here and here.

Troubleshooting Tips

The PayPal Balance and Transfer Money options are not visible. You must open a PayPal Balance Account before you can accumulate funds in your PayPal wallet. See PayPal’s instructions here.

I can’t add my FamZoo card as a bank account. PayPal is asking for a bank name and login. Your FamZoo routing and account numbers must be added manually — not by searching for the bank name — and the account must be confirmed using trial deposits rather than the instant confirmation option that requires a bank login. See the step-by-step instructions here.

Cash App

You can reload your FamZoo card through Cash App in two steps:

1. Add money to your Cash App balance. You can fund Cash App from your bank debit card or receive a person-to-person payment from another Cash App user. If you already have enough money in your Cash App balance, skip this step.

   See the Cash App instructions here.

2. Transfer the money from Cash App to your FamZoo card. You can transfer from your Cash App balance to your FamZoo card in either of two ways:
   • Bank transfer: Transfer to the FamZoo card using its routing and account numbers. Bank transfers are free and typically take 1–3 business days.
   • Instant transfer: Transfer directly to your FamZoo card using its debit card number. The funds typically arrive within minutes. Cash App currently charges 0.5%–2.5% for instant transfers, with the exact fee disclosed before you complete the transfer.

   See the Cash App instructions here and here.

Venmo

You can reload your FamZoo card through Venmo in two steps:

1. Add money to your Venmo balance. You can fund Venmo from your bank debit card or checking account, or receive a person-to-person payment from another Venmo user. If you already have enough money in your Venmo balance, skip this step.

   See Venmo’s instructions here.

2. Transfer the money from Venmo to your FamZoo card. Add your FamZoo card to Venmo using its debit card number, then make an instant transfer to the card. The funds typically arrive within 30 minutes. Venmo currently charges 1.75%, with a $0.25 minimum and $25 maximum.

   See Venmo’s instructions here and here.

Troubleshooting Tips

I can’t link my FamZoo card as a bank account. When you try to add a FamZoo card account manually using its routing and account numbers, Venmo may incorrectly report that the 16-digit account number is a card number rather than a bank account number. We reported this bug to Venmo, but it remains unresolved. As a result, the free 1–3 business day bank transfer option from Venmo to a FamZoo card is not supported.

My instant transfer could not be completed. Venmo may decline an instant transfer without providing a specific reason. In our testing, linking and verifying a bank account with Venmo resolved the problem and allowed the instant transfer to go through. This is not required for everyone, but it may help if your transfer is being declined.