Getting Started with rapid! PayCard®

The rapid! PayCard® is a prepaid payroll card that offers employees fast, safe, and convenient access to their wages—without the need for a traditional bank account.

Frequently Asked Questions

What is the rapid! PayCard?

The rapid! PayCard is a prepaid card that allows you to receive and use your pay without a traditional bank account. It’s accepted anywhere Debit Mastercard® or Visa® debit cards are accepted, and it offers greater security than carrying cash.

How do I get a rapid! PayCard?

You can request a rapid! PayCard from your employer or payroll department. They will provide you with a direct deposit form to enroll.

What’s the difference between the instant issue and personalized card?

Your first card is an “instant issue” card without your name printed on it. Once activated, you can request a personalized card with your name on it at no additional cost. The personalized card arrives by mail within 7–10 business days.

When will my payroll be available on the card?

Your pay will typically be available by 10:00 a.m. EST on payday. You can check your balance anytime via the mobile app, online at www.rapidfs.com, or by calling 1.888.727.4314.

What if I lose my card?

Call 1.888.727.4314 immediately to report the card lost/stolen and request a replacement. Be sure to mention that this is a replacement card when prompted.

Is this different from other direct deposits?

Not at all. Funds are deposited directly to your rapid! PayCard just like any other direct deposit.

Can I add other funds to my rapid! PayCard?

Yes. You can add other direct deposit sources such as tax refunds, social security, or pensions. Visit www.rapidfs.com to access your direct deposit account number or call Customer Support.

How to Use Your Card

Making Purchases

Use your card like any debit or credit card. For debit, enter your PIN. For credit, sign to complete the purchase.

Getting Cash Back (at participating merchants)

1. Select “debit” and enter your PIN.

2. Tell the cashier how much cash back you want.

3. Take your cash, card, and receipt.

Getting Cash from an ATM

1. Insert your card and enter your PIN.

2. Select “checking” and enter your amount.

3. Accept any applicable fees and withdraw cash.

Accessing Your Account

Online – www.rapidfs.com

• Check your balance and transaction history

• View monthly statements

• Set up text alerts and savings

• Update your information

• Get a direct deposit form

By Phone – 1.888.727.4314

Call the toll-free number to use the automated system or speak to a representative.

Card Features

• Text Alerts: Get real-time balance updates by texting “BAL” to 90831 or enrolling online.

• Cash Back Rewards: Earn rewards for qualifying purchases.

• Savings Account: Set aside money automatically and earn interest.

• Bill Pay: Pay bills directly from your card online or by phone.

Convenient Ways to Access Your Pay (at no cost)

• Store purchases (with optional cash back)

• ATM withdrawals via Allpoint® and MoneyPass® networks

• Request a check or USPS Money Order

• Bank transfers

• Convenience checks (via ChekToday)

• Over-the-counter cash withdrawals at participating banks

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Need help? Contact rapid! Customer Support at 1.888.727.4314 or visit www.rapidfs.com.