Tapcheck Mastercard®

Apply for the Card That Puts You in Charge of Payday!

If payday always feels too far away, you’re going to love this card! Load your on-demand earnings directly to the Tapcheck Mastercard, and use it to make in-store purchases, online payments, and ATM withdrawals. No waiting for weeks. No checks to cash. Just your wages, your way.

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Disclaimer Earned Wage Access is not sponsored, endorsed, administered by, or associated with Central Bank of Kansas City, the issuer of the Tapcheck Mastercard, who has no liability in relation to Earned Wage Access.

CONVENIENCE. CONTROL. SECURITY.

Tapcheck Mastercard®

​​When you apply for the Tapcheck Mastercard via the Tapcheck app, you get more than just a prepaid card. You get financial flexibility and protection with benefits that include:

  • Direct deposit (2 day early direct deposit available to employees on our Tapcheck Mastercard)
  • In-app management
  • No hidden fees*
  • Digital card information & physical card
  • On-Demand earnings
  • Mobile wallet
  • Spending tracker
  • Surcharge-free MoneyPass® ATM withdrawals (in-network)
  • Transfers between Tapcheck Card holders
  • Financial education included
  • Fraud protection
  • Accepted everywhere Debit Mastercard is accepted
Learn More

*Click here to see the full listing of fees.

Your Money

The Tapcheck Mastercard ensures the wages you’ve earned are available when you need them.

Your Schedule

On payday or right away, use the Tapcheck Mastercard to get the money you’ve earned whenever you want.

Your Choice

Use your card for everything from day-to-day purchases and ATM withdrawals to mobile payments and online transactions.

Frequently Asked Questions

We want to deliver the best experience and service for those using the Tapcheck Mastercard. That’s why we’ve listed out additional features, benefits, and answers to frequent questions we get asked.

How do I activate my new card?

There are two ways to activate your new card after you receive it in the mail:

  • Go to the “Card” section in the Tapcheck mobile app, click the “Track My Card Delivery” option, and then select the “Activate My Card” button. 
  • Or call the activation number listed on the back of the card and follow the prompts to activate your new card.

How do I set up the initial card PIN for my new card?

When you receive your new card in the mail:

  1. Open the Tapcheck mobile app
  2. Go to the  “Card” section
  3. Click on the “More Card Options” menu on the screen
  4. Select the “Set/Reset Card PIN” option.

How do I set up direct deposit to my Tapcheck Mastercard?

  1. Open the Tapcheck mobile app
  2. Go to the “Card” section
  3. Click on the “More Card Options” menu on the screen
  4. Select the “Direct Deposit Account Info” option to find the account number, routing number, and direct deposit setup form.

How can I replace a lost or damaged card?

  1. Open the Tapcheck mobile app
  2. Go to the “Card” section
  3. Click to the “More Card Options” button
  4. Tap “Replace Lost or Damaged Card” to request a replacement card.

How do I set up alerts for my card activity?

Go to the “Notification Settings” page in the Tapcheck mobile app, located in the “More” Menu, and turn on the card-related notifications to customize your alerts for purchases, fraud activities, direct deposit, and more!

How can I track my card delivery?

  1. Open the Tapcheck mobile app
  2. Go to the “Card” section
  3. Click to the “More Card Options” Button on the Card Management page
  4. Tap “Track My Card Delivery” to track your card shipment.

How long will it take to get my Tapcheck Card?

Once approved, your Tapcheck Mastercard should arrive within 7-10 business days. If you have still not received your card, please contact us by chatting with us in the app.

How can I view my card information in the app?

  1. Open the Tapcheck mobile app
  2. Go to the “Card” section
  3. Click on the “Full Card Info” button that is on the card image to view your card’s full number, expiration date, and 3-digit security code.

How can I transfer funds into my card account?

  1. Open the Tapcheck mobile app
  2. Go to the “Card” section
  3. Click on the “Add Money to Card” button and follow the transferring process to transfer the funds.

How can I lock/unlock my card?

  1. Open the Tapcheck mobile app
  2. Go to the “Card” section
  3. Click on the “More Card Options” button
  4. Tap “Lock/Unlock Card”.

How can I download my monthly statement(s)?

  1. Open the Tapcheck mobile app
  2. Go to the “Card” section
  3. Click on the “More Card Options” button
  4. Tap “Download Monthly Statement”.
  5. Select the desired month and year to download your statement.

How do I add my Tapcheck Card to my mobile wallet?

  1. First make sure your card PIN is already set up.
  2. Then add the card information to your mobile wallet.

What is the Tapcheck Mastercard?

The Tapcheck Mastercard is a Mastercard prepaid card. It is linked to your Tapcheck account and allows you to spend your earned wages everywhere Debit Mastercard is accepted.

How can I get the Tapcheck Card?

If this is your first time, open the Tapcheck app and select the “Tapcheck Card” option on the bottom to apply for a card.

Does it cost money to apply for the Tapcheck Card?

No, there is no cost to apply for the card and no fees for domestic purchases where Debit Mastercard is accepted.*

*See Cardholder Agreement and Fee Schedule for full listing of fees and limitations here.

Can I use my Tapcheck Card outside of the U.S?

Yes

TAKE CONTROL OF YOUR EARNINGS

Apply for the Tapcheck Mastercard!

Just download the Tapcheck app*, log into your account, and apply for your card.
That’s all it takes to start doing payday your way!

*Standard text message and data rates from your wireless service provider may apply.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions 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 your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

Early ACH Disclosure: Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC) will post the funds to your (Program Name) prepaid card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator. If you already have a (Program Name) prepaid card issued by another bank, you need to complete the enclosed form to have your direct deposit sent to CBKC to be eligible for the early direct deposit feature.