Do I have to accept the terms and conditions?

Using your Visa Prepaid Card signifies that you accept the Terms and Conditions.

Where can I use my Visa Prepaid Card?

You can use your Visa Prepaid Card anywhere Visa Check Card is accepted.

Can I use my Visa Prepaid Card at ATMs?

If your website menu shows a link for “Create PIN” or “Change PIN,” then you can use your Visa Prepaid Card at ATMs. If you aren’t sure, you can contact your Customer Service Representative at the toll-free number provided on the back of your card to find out.

Why do I have to register my card?

Visa recommends that you register your card to protect your rights if your Visa Prepaid Card is ever lost or stolen. By registering your card, it makes the process of refunding your money for unauthorized purchases easier. You will want to register your card and provide your address if you wish to use your card for mail orders, telephone orders, or internet transactions.

Does my Visa Prepaid Card affect my credit?

No. Your Visa Prepaid Card is not tied to your credit in any way.

Can I add money to my Visa Prepaid Card?

Yes. You can re-load your Visa Prepaid Card.

Why can’t I use my Visa Prepaid Card at a gas pump?

If you have a low balance on your Visa Prepaid Card, and you are attempting to use it at a gas pump, you may not be able to because of the required “pre-authorization” amount set by your financial institution. Some financial institutions place a higher “pre-authorization” on gas pump purchases to ensure you have enough money on the card for a potential full tank of gas. If you want to use your remaining balance on a gas purchase, pay inside with the cashier instead.

What do I do if my Visa Prepaid Card is lost or stolen?

If your Visa Prepaid Card is lost or stolen, you can contact us to order a new card and to file a dispute for the purchases you did not authorize. You can find their contact information under Contact Us.

My Visa Prepaid Card doesn’t have my name on it. Can I really use it?

Yes. You can still use your card even though your name does not appear on the card. Your identity is verified by a retailer by checking your signature on the back of your card to ensure that it matches the signature on your sales draft.

My Visa Prepaid Card doesn’t have my name on it. Do I still sign my name when I make purchases?

Yes. Even if your Visa Prepaid Card has a greeting, like “Happy Holidays” instead of your name, you will still sign your name on the sales draft when you make purchases. Make sure you sign the back of your card, so that retailers can compare your signature to the one on the back of the card.

What is the difference between a “pending transaction” and a “posted transaction?”

Pending transactions are authorized transactions, and a hold is placed for the purchase amount on your card. Posted transactions are purchases that have cleared on your card and the funds have been removed. There are some pending transactions that are more or less than the amount you have actually spent. This is because some retailers that place a pre-authorization amount on your card for more or less than the total of the purchase. For example, gas stations make a pre-authorization for a smaller amount, such as $1.00 to ensure the account is active. Once you have completed your purchase an actual authorization is sent in the amount of your purchase. Restaurants, however, will typically send a pre-authorization amount for 20% higher than the total of your bill to ensure you have enough money on your card to cover the tip that you authorize.

Why is my Available Balance different than my Actual Balance?

Typically, your Available Balance is less than your Actual Balance because your Available Balance reflects purchases you have made that have been authorized, but have not cleared your account. However, there are some cases, such as when you have returned merchandise, where the Available Balance will be more than your Actual Balance.

Can I spend more than the balance on the card?

Your Visa Prepaid Card is prepaid and can only be used to make purchases up to the amount on the card. Most retailers send a pre-authorization for the amount of the purchase to ensure that you card has enough money for the purchase. If you attempt to make a purchase for more than the amount available on the card, the transaction will be declined.

Do I have to have an e-mail address to use my Visa Prepaid Card?

Your e-mail address is helpful if you ever forget your password on the website or if we need to send you other useful information requested by you. We can then send that information to the e-mail address we have on file.

Where can I download the Ingo Money app?

You can download the Ingo Money app either from the App StoreSM for iOS devices or from the Google PlayTM Store app for Android devices.

What kinds of checks can I load?

Ingo will review most check types for funding approval up to $2,500. This includes traditional preprinted payroll and government checks, attorney checks, cashier’s checks, handwritten payroll checks, insurance checks, money orders, rebate checks, refund anticipation checks, and two party or personal checks.

Please note that you can’t load checks that aren’t made out to you, such as conditional endorsement checks, counter checks, credit card checks, customer appreciation certificates, gift certificates, starter checks, traveler’s checks, and warrants.

How much does it cost to use Ingo?

Downloading the Ingo Money app is free, and there’s no cost to sign up or have the app on your phone. When you send us a check to review for approval, you have a choice. You can choose to pay a fee and we will review your check for approval in a few minutes, although in some instances it can take up to an hour. The fee is 1% for preprinted payroll and government checks and 4% for all other checks. If we don’t approve and fund your check, no fee is charged. Alternatively, you may choose 7-day funding for no fee, and we will deposit your funds to your card in 7 days if the check is approved and does not return to us unpaid during the 7 day period.

How do I add more money to my BEKEN Prepaid Card?

Direct Deposit is an easy way to deposit your paycheck or government benefits to your BEKEN prepaid card.

Is there a Mobile App for managing my BEKEN Prepaid Card?

Yes. BEKEN offers a mobile application solution that will work on nearly any mobile device iPhone, Android, and many other handsets. We have dedicated mobile apps downloadable through the app stores via the mobile device as well as via desktop web access.

How do I sign up for the Mobile App?

  1. Download the Mobile Service from the iTunes App Store, Google Play (formerly known as the Android Market), or Blackberry App Store.
  2. Load the application and follow the enrollment flow – this process is similar to the flow found within the website.
    – You will receive a verification code via SMS, retrieve it and make a note of it.
    – Enter the activation code into the application where requested.
  3. You’ll be asked to input some personal information, answer a few questions to verify your identity, and then add your cards associated with us.
  4. Once you have finished and have verified your identity, you can start accessing your financial information.

What if the application won’t load on my phone?

If the application will not load on your phone, check your settings to make sure that you mobile device meets the minimum requirements to run the application or that your device settings allow the downloading of applications.

How do I upgrade the app on my mobile phone?

Upgrades are automatically handled by the app store. If there’s a new version out, your app store will show the new version and you can download the latest version through the store.

What if I lose my mobile device?

Report the loss to your mobile network operator who will bar the phone and stop it from functioning. As long as your passcode remains secure, then it will protect you from fraudulent use of the mobile services app. In addition, SMS notifications are a one-way communication to the mobile user and will not contain personally identifiable information. In most cases, you will keep your current mobile number when you receive your new mobile device. Once received, you can download a new application again and use your existing credentials to access your mobile account.