IF YOU ACCESS THE INGO SERVICE THROUGH ANY METHOD OTHER THAN THE PAYPAL PREPAID APP, FEES MAY BE DIFFERENT, HIGHER OR LOWER, THAN THOSE LISTED HERE AND IN THE PAYPAL PREPAID APP. SEE YOUR CARDHOLDER AGREEMENT FOR DETAILS. 5% for all other accepted check types, including hand-signed payroll and government checks, with a minimum fee of $5.00.ĪDDITIONAL FEES MAY BE ADDED OR IMPOSED BY NETSPEND.2% for payroll and government checks with a pre-printed signature, with a minimum fee of $5.00.Money in Days (10-Day Delayed Funding):.Because Ingo Money is assuming the risk of collection of the amount of your check from the writer of the check, Ingo Money may approve or reject your check for funding in its sole discretion based on a variety of factors. If Ingo Money approves your check for funding, Ingo Money is agreeing that it will assume the losses associated with any approved and funded check which Bank is unable to collect. Neither we nor NetSpend are responsible for processor or internet outages. If Ingo approves your check, Bank will initiate a credit to your Card Account for the amount of your check, less the Ingo fee, within a few minutes. Money in MinutesĬhoose expedited funding and Ingo will review your check for approval within 1 hour. Money in DaysĬhoose 10-day delayed funding and Bank will credit your Card Account for the amount of the check in 10 days if Ingo approves your check and it is not returned unpaid within the 10-day period. Bank is responsible for compliance with all regulatory requirements, including but not limited to, verification of your identification, money transmittal, and check cashing to the extent applicable.Ĭhecks which return unpaid will be transferred and assigned to Ingo Money for collection. ![]() Bank will deposit your check in its own account for clearing and collection and is responsible for crediting funds from your check to your Card Account (less applicable fees). ![]() You shall endorse, assign and transfer to Bank all checks approved for funding. Ingo Money will verify your identity, enroll you in the service and review your checks for approval. You may use the Ingo service in the PayPal Prepaid app to submit checks to Bank for credit to your Card Account, following Ingo Money’s review of your check for funding approval. In that event, you will be provided with the terms and conditions applicable to that service. Pricing, terms and conditions may differ if you use the Ingo service through any app other than the PayPal Prepaid app. These terms are for use of Ingo through the PayPal Prepaid app. In order to participate in Ingo, you must be eligible for and comply with the Ingo enrollment process. Generally the term “Ingo” means the Mobile Check Load Service and “we,” “us” or “our” means Bank and Ingo Money, although some obligations will be performed solely by Bank or solely by Ingo Money. In these Terms and Conditions, “You” and “your” means the Primary Cardholder who has enrolled in Ingo. Capitalized terms have the same meaning as given in the Cardholder Agreement unless otherwise specified herein. The Cardholder Agreement also applies to your use of Ingo, INCLUDING THE PROVISION WHICH PROVIDES FOR BINDING ARBITRATION, but if there is any difference between the Cardholder Agreement and these Terms and Conditions, these Terms and Conditions control with respect to Ingo. You may do so by contacting 1-86 or by visiting These Terms and Conditions apply to Ingo and supplement the PayPal Prepaid MasterCard Agreement governing your use of the Card Account (the “Cardholder Agreement”). You must activate and register your Card Account with NetSpend Corporation (“NetSpend”) before you can use Ingo. In order to use Ingo, you must have an active Card Account that is (i) issued in your name, (ii) active, and (iii) eligible to be credited using Ingo. ![]() (“Bank”), a nationally chartered financial institution, and Ingo Money, Inc. Ingo is offered by First Century Bank, N.A. These Terms and Conditions (“Terms and Conditions”) govern your use of the Mobile Check Load service (“Ingo”) to credit funds from checks to your PayPal Prepaid MasterCard ®(“Card Account”).
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