The myFloc Primary account can be funded in a number of ways:

• Any of your other personal bank accounts. 
• Deposits from other sources such as the Social Security Administration. 
• Deposits or transfers from friends or family members who provide funds for ongoing support.

• Your myFloc Team is your trusted group of people who help with shopping, groceries and other errands and who may help you manage your finances.
• You might have your spouse, a child, a grandchild, a financial advisor, a professional caregiver, a friend or a neighbor in your myFloc Team. It is completely up to you. 
• For each person in your myFloc Team, you can decide who has a myFloc Card Account, what types of controls are on each card, and who has visibility into your myFloc account.

With your myFloc cards:

• You can specify spending controls - by dollar amounts and/or what types of stores a card can be used at - for each of your myFloc cards. 
• You can also set alerts so you will be notified when a myFloc card has been used with transactional history.  
• When you log into your myFloc Card Account, you can see the amount of spending, by card, and the current balance on each card. 
• You can invite others in your myFloc Team to see what is happening in your myFloc Card Account as well. This way, all those you trust to help you manage spending can see what is going on and assist if necessary.

Setting up your myFloc account is straightforward and should not take a lot of time but there are some steps that are important for your security and the security of the platform so they might take a bit longer.  This might include, for example, verification of your identity. 

There are three steps to setting up your myFloc Card Account: 

• Setting up your login credentials on the myFloc platform
• Establishing your myFloc Card Account and connecting your funding account if you wish
• Deciding who will be on your myFloc Team, whether they will have a myFloc card or not, and what other permissions you want to give to them

No, the person who owns the account must create the myFloc Card Account.  They can get assistance in establishing the account from a trusted friend or family member if they choose. 

Please click on the Resend link on the email verification screen in the myFloc platform.

myFloc and our partners are very serious about security. Your personal information is encrypted using Secure Socket Layer (SSL) technology and securely transmitted and stored.

To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account.

WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for personal information in order for us to verify your identity and the identity of any person that you may wish to designate as a Secondary Cardholder, including name, address, date of birth, and government ID number, and we may also ask to see other identifying information. Additionally, we may require identifying information regarding any person that you may wish to designate as a myFlocTeam Member.

The verification code is part of the standard process to verify your email address.

If you need to replace any Card for any reason, please contact us at 1-833 myFloc1 (1-833-693-5621) to request a replacement Card.  You will be required to provide personal information that may include the Card Number, your name, the Secondary Cardholder or myFloc Team Member’s full name (if applicable), transaction history, and similar information to help us verify identity.  There will be a fee for replacing a Card, which will be assessed to the Primary Card Account.  See the Fee Schedule for more information about the fee.  Only the Primary Cardholder or Secondary Cardholder may request a replacement Card.

Contact us AT ONCE if you or another Cardholder believe a Cardholder’s Card, online login credentials, or PIN has been lost or stolen or that an electronic funds transfer has been made without your permission. Telephoning us at 1-833-myFloc1 (1-833-693-5621) is the best way to minimize your possible losses.  If you notify us within two (2) business days after you learn of the loss or theft of any Card or PIN, you can lose no more than $50.00 if someone used any Card or PIN without your permission. 

No, you do not need to have a myFloc Insider on your myFloc account. It is completely up to you. If you do choose to have someone in this role to help manage your account, they will have authority to do the following: 

• Initiate any transaction on the Card Account as provided in this Agreement, including but not limited to withdrawing cash at ATMs;
• Initiate transfers to or from the Card Account on behalf of the Primary Cardholder to/from Subaccounts
  • (NOTE: If the myFloc Lead has elected to link an external bank account to fund the myFloc Account, the myFloc Insider does not have access to transfer funds to or from that external bank account through the myFloc application.)
• Create and close Subaccounts and authorize the issuance of associated Cards to myFloc Team Members;
• Designate individuals as myFloc Friends to receive view-only access to Card Account information; and,

You are liable for any and all usage of your Card Account, and any associated Card(s), by any Secondary Cardholder and anyone that they allow to use your Card Account, or any associated Card.   Only an adult of legal age is eligible to be a Secondary Cardholder.

All myFloc Team members are required to have an email address at this time.  They can select to receive certain notifications via text instead of email but there are regulations that require certain notifications be sent via email.

Email addresses can be updated in an individual’s myFloc profile page.

You can see account balance information by going to the Summary tab on the myFloc platform.  

Please call myFloc Card Account Customer Care for further assistance. 

You can cancel a card by calling myFloc Card Account Customer Care.

• Please go to the app.myFloc.com homepage and click on the Login link. 
• On the account login screen, click Don't remember your password?
• Provide your email address and submit. You will receive an email that provides further instructions on resetting your password.

You can change your myFloc Insider by removing the person currently in that role and adding a new person. The new person will be required to go through the identity verification process. 

A myFloc Lead (Primary Cardholder) or myFloc Insider (Secondary Cardholder) must be at least 18 years old.  A myFloc Team Member must be at least 13 years old.

Identity verification is very important for the security of your account.

• You may have up to 5 myFloc Team Members (Subaccounts) on your myFloc account in addition to yourself and a myFloc Insider (Secondary Cardholder) if you choose to have one. 
• You may have up to 5 people who have myFloc Friends (view-only access) to your myFloc master account; they can see what is happening in your myFloc account but are not able to spend on your behalf. 
• You can remove or add members of your myFloc account at your discretion.

We apologize for any inconvenience. Please contact myFloc Card Account Customer Care for more assistance. 

Yes, you may set a specific amount for each myFloc card.

The myFloc Lead (Account Owner)  or myFloc Insider (Secondary Cardholder) will determine who can see what within the myFloc Card Account. 

At this time, you are able to prevent spending at stores categorized by a specific business type (merchant category code). Please note, purchases for items in these categories may be made when they are available at stores that are not categorized by that business type. 

These permissions can be specifically set for each myFloc card on your myFloc Card Account. 

This means that myFloc is not able to connect to your external bank account to transfer funds from into your myFloc Card Account.  Please try reconnecting your account or call myFloc Card Account Customer Care for more assistance.

No, you are not able to block the purchase of specific items on your myFloc cards at this time.

You can see purchase activity by going to the Summary tab on the myFloc platform.  There you will have the option to view transactions.

There are a number of possible reasons for this notification.  Please call myFloc Card Account Customer Care for further assistance. 

As the myFloc Lead or myFloc Insider you determine what notifications you will receive, how you will receive them and how often. 

A card that has been frozen can be unfrozen by a myFloc Lead or myFloc Insider. 

If a Cardholder uses their Card at an automated fuel dispenser (“pay at the pump”), the Merchant may pre-authorize the transaction amount up to $100.00 or more.  If a Cardholder’s Card is declined, even though the Cardholder has sufficient funds available, the Cardholder should pay for the purchase inside with the cashier.  If a Cardholder uses their Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the Merchant may pre-authorize the transaction amount for the purchase amount plus up to 20% more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. 

Any pre-authorized amount will result in the placement of a “hold” on the related amount of funds available in the Primary Account or Subaccount associated with the Card until the Merchant sends us the final payment amount of your purchase.  Once the final payment amount is received, the pre-authorized amount on hold will be removed and replaced by the actual amount of your purchase.  If we do not receive the final payment amount, the pre-authorized amount on hold will remain in place for thirty (30) days. During a hold period, the Cardholder will not have access to the pre-authorized amount.  

Your assigned Account Number and the bank routing number can be used for arranging both direct deposits and recurring payments to merchants, internet service or other utility providers.  You may also arrange for recurring payments to Merchants using your Card Number.

If you have arranged to have ACH direct deposits made to your Primary Card Account at least once every sixty (60) days from the same person or company, you can call us at 1-833-myFloc1 (1-833-693-5621) to find out whether or not the deposit has been made.

Requests cannot be completed if there are not enough funds to cover the transactions.

Please call myFloc Card Account Customer Care for any transaction questions.

Once you are logged into your myFloc Card Account, please click on the Summary tab at the top of the page. This will take you to an overview of your myFloc Card Account. Here, you will see Card Activated or Card Not Yet Activated. To activate your myFloc card please call myFloc Card Account Customer Care.

Please contact myFloc Card Account Customer Care for assistance.

• Normal delivery of a card takes 7 to 10 business days. 
• To receive your card within 3 business days there is an expedited delivery fee of $25.
• Please contact myFloc Card Account Customer Care. 

Please see the section on limits in the Card Account Agreement. A summary is below.  

You can find your routing and account numbers by logging in to the myFloc Online Account Center.

• myFloc uses trusted provider Plaid to help step through the process of finding and linking your personal bank account to your myFloc Card Account. 
• While Plaid currently integrates with nearly 11,000 financial institutions, they haven’t integrated with them all yet.
• If you are having trouble finding your financial institution using Plaid, you can set up a transfer directly from your bank.  Here is a link to those instructions.

Funds transferred from your primary myFloc account to a specific myFloc card are available in near real time. 

You can have only one “linked” bank account to your myFloc Card Account.  If you want to change that account, you need to remove the current account that is linked and add a new account via the linking process.

There is no limit to the number of sources that can deposit funds into your myFloc Card Account.

There are different ways money can be transferred into your myFloc account.  Some of them require hold periods of 1-4 days for security purposes. 

• The owner of the myFloc Primary account can decide who can deposit funds into the account.

• If a family member, friend, or financial advisor is transferring funds into your myFloc account, you will need to provide them with the myFloc account information including routing code and account number.    

• Part or all of a government or other institutional payment can be deposited directly into your myFloc account. You will need to provide the payment provider(s) with the myFloc routing number and your account number. 
• You can get your federal and state tax refunds directly deposited into your myFloc account. You will need to provide your tax preparer with the myFloc routing number and your account number or enter them on the tax forms if you are doing your own taxes.

You can find your bank routing number at the bottom of a check from your personal account. The 9 digit number on the left is the routing number. The number to the right of this is your bank account number. 

Please call myFloc Card Account Customer Care for assistance. 

• ATM usage is only available to myFloc Lead and myFloc Insiders.  MoneyPass ATMs are in network and surcharge fees (ATM owner operator) will not be charged by MoneyPass ATM to the end user.  $2.50 fee will be waived for the first two ATMs per month and will be charged on all subsequent ATMS both in and out of MoneyPass network.
• Outside of the MoneyPass ATM network, the withdrawal fee is $2.50 and you may also be charged a fee by the ATM operator.