What is the Young Money Prepaid Discover Card?
The Young Money Prepaid Discover Card is a convenient and secure alternative to carrying cash.
It is a prepaid card where you add your own money and only spend what you load. There is no credit check.
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Where can I use a Young Money Card?
You can use your Young Money Card in stores, over the phone and online everywhere that Discover cards are accepted.
Just look for the Discover acceptance mark.
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How do I get one?
You can get your own Young Money Card by submitting your contact information
here.
Once your identity is confirmed, please allow 7–10 business days to receive your card by mail.
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How old do I have to be to apply for a Young Money Card?
You must be at least 18 years old to apply for a Young Money Card.
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I received an error message when I tried to apply for a Young Money Card, what do I do?
If you received an error message when trying to enroll, please try again. Be certain to adhere to the following:
- Enter your legal first and last name
- Enter your legal address
- You are at least 18 years old
- Enter your social security number
- Enter your email address
- Check the box to agree to the Cardholder Agreement and Esign Act
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How do I activate my card so that I can begin using it?
When you receive your card in the mail, there should be a sticker on the front of your card with
instructions on how to activate it. If you have already removed the sticker,
simply call 1-855-8YM-CARD (1-855-896-2273) or go online to
www.youngmoneycards.com
and click "Activate" in the upper right-hand corner.
Enter the 16 digit card number from the front of your card and the last four numbers of your social security number and your card will be activated. top
How do I add money to my card?
There are multiple ways to add money to your card.
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Purchase a GreenDot MoneyPak at retail locations with a debit, credit card or cash. MoneyPaks are sold at the following stores nationwide: Walgreens, CVS Pharmacy, Rite Aid, K-Mart, Kroger, Meijer, Ralphs, Winn-Dixie, and Wal-Mart. To load your card using a MoneyPak, simply pick up a MoneyPak and take it to the cashier. The retailer will charge you $4.95 for the MoneyPak and load your money onto the MoneyPak. You will then need to follow the directions on the MoneyPak to apply the funds to your card, which will be available immediately
Where is a MoneyPak location?
- Go online and login to your card account to load with a credit card. (Go to Add Money / Online Reload)
- Sign up for Direct Deposit to have your paycheck automatically deposited to your Young Money Card
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What is my PIN number for and how do I change it?
Your PIN number is used for everyday transactions like debit purchases or ATM withdrawals.
You may change your PIN by calling the number on the back of your card, or by logging in to your card account
at www.youngmoneycards.com
You will create your PIN at the time you activate your card. top
What should I do if I lose or forget my PIN?
Call the number on the back of your card to have your PIN reset.
Young Money recommends that you keep your PIN secure at all times. top
What should I do if my card is lost or stolen?
Call Young Money Customer Service at 1-855-8YM-CARD (1-855-896-2273) to have your card
account transactions suspended. Your balance will be transferred to a new Young Money card.
Young Money will send you the new personalized card that will arrive at your home in 7–10 business days. top
What is the maximum dollar amount I can add to my card in a single load?
$2500.00 at retail locations, 500.00 through online reload from your Card Account. top
What is the least amount of money I can add?
$20.00 top
What is the most I can have on my card at a single time?
$5,000 top
How soon will my money be available after I add it?
You will have access to your funds within one (1) hour after reloading. top
Is my money safe on the card?
Yes. Your money on the card is safer than carrying cash. The card is issued by an FDIC insured bank, and cardholders' deposits are FDIC insured up to $250,000. Plus, you are also protected against unauthorized purchases if your card is ever lost or stolen with $0 Fraud Liability Guarantee. top
Are there fees for using the card?
The Young Money Card fees are simple and offer a great value. View fee structure top
Can I use ATMs?
Yes. To get cash at the ATM, insert your card into the machine and enter your PIN. Select "checking" to make a withdrawal and enter the amount of cash you want to withdraw. Then take your cash, card, and receipt to keep track of your balance. To avoid ATM fees you can also get cash back after making purchases. top
Can I send money to other Young Money cardholders?
Yes. You can share funds with other Young Money cardholders.
Simply login to your card account and go to Send Money/Card to Card Money Share. top
How can I retrieve my card account balance?
You may access your available balance any time for free* by accessing your card account online or by calling 1-855-8YM-CARD (1-855-896-2273). Also, we offer free text balance alerts that can inform you when your balance is low, a transaction has been debited or your card has been loaded. You can sign up for these anytime by logging in to your card account. Once you sign up, you can make a balance request by texting short code BAL followed by the last 4 digits of your card number to 91315.
*Your mobile carrier's standard text messaging rates may apply. Other cardholder fees may apply; consult your Cardholder Agreement for details.
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How can I get a statement?
You can generate a free* electronic statement by logging into your card account online. You may also request to have a paper statement mailed to you by calling 1-855-8YM-CARD (1-855-896-2273) for a fee of $2.50.
*Other cardholder fees may apply; consult your Cardholder Agreement for details.
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How do I use the card to pay bills?
If your biller offers payment by Discover, you may follow the credit card payment instructions provided by your biller. You may also use the bill payment functionality on our website. Many billers offer the option to pay by phone or online using a Discover card. top
Who should I contact if I have a question about paying bills online?
Please send an email to support@billeo.com. top
What is "Cash Back?"
When making a debit card purchase that requires a PIN number, some merchants will allow you to get cash from your card for no additional charge. Ask your cashier if they offer cash back and save money on ATM fees. top
What is Ebates?
A Young Money partner that's offered cash back shopping since 1998. Cash back shopping means: you
start here, go to one of 1,500 ecommerce stores like Gap and Nike, buy something - and get 1-30%
(depends on store) cash back on your card. Free to you and simple to do! And if you have a Young Money
Card, you are already a member!
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For Ebates Cash Back Shopping, how quickly is cash back credited to my Ebates account?
Most cash back rewards are credited within 48 hours! Some stores can't confirm your purchase until the
merchandise return period has passed and may take up to thirty days to confirm your cash back.
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For Ebates Cash Back Shopping, how quickly is cash put back on my card?
Every month, if you have cash back coming from shopping, Ebates puts all of your cash back straight onto
your Young Money Card. But if you earned less than $5.01 cask back, Ebates will carry over your money
to the next month. Bonus Reqards do not count toward the $5.01 minimum. "Bonus rewards" includes
cash earned as Tell-A-Friend Bonus.
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Should I use credit or debit when making a purchase?
Either one is fine. Debit purchases require you to enter your PIN code at the register and allow you to get cash back where merchants offer this service. Credit purchases require a signature. Your price is the same either way. top
What are text message alerts and how do I sign up?
To sign up for text alerts, you must log into your card account online at www.youngmoneycards.com. Young Money does not charge you for the text alert service; however, please check with your cellular service to see if they charge fees for sending and receiving text alerts. top
Can I pay for gas using my Young Money Card?
Yes, you can use your card to pay for gas; however, you must pay inside with the cashier instead of paying at the pump. top
How do I have my pay deposited to my card?
It is free* to have your pay deposited directly to your card. Simply give a completed copy of the Direct Deposit Authorization Form to your payroll administrator. On the direct deposit form, you may select to have all or a portion of your pay to be automatically loaded to your Young Money Prepaid Discover Card. You can find the direct deposit form by logging in to your account online. All you have to do is print it out, fill the information and hand it to your employer.
*Other cardholder fees may apply; consult your Cardholder Agreement for details.
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Can I have my federal benefits deposited directly to my Young Money Card?
Yes, you may also have your federal benefit payments directly deposited to your card for FREE*. Load your social security, supplemental income (SSI) or other federal benefits to your card.
*Other cardholder fees may apply; consult your Cardholder Agreement for details.
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Can I have my pay from a 2nd job or other income source deposited directly to my card?
Yes, download the direct deposit authorization form by logging in to your card account online. All you have to do is print it out, fill the information and turn it in to a second employer, the IRS for tax refunds, or to a government agency for disbursement checks. top