It’s your refund, why wait?

Don’t wait for a check! Save time when you load your tax refund directly to your FasterMoney® Discover® Prepaid Card.

Use FasterMoney

Manage your refund with the MetaWallet app3

Download Apple Download Android

Why FasterMoney?

It's your money - why wait?

Get your money faster1, so you can take care of bills, groceries or maybe even a night out.

mother and daughter with cell phone and faster money card

Faster Money

Speed up payday with free2 direct deposit - get paid up to 2 days faster1

Skip the check casher! Load checks to your card in minutes with the Meta Wallet app and your mobile phone.3,4

Add cash conveniently with MoneyGram, Western Union, Visa ReadyLink or GreenDot at thousands of locations nationwide including pharmacies and grocery stores.


man holding faster money card

Faster Payments

Pay bills by phone or online, 24/7 - faster¹ than mailing checks or paying with money orders

No overdraft fees - spend only what you load

No lines, no rushing to pay bills

mother and child buying produce

Less Stress

Safer than cash - your money is protected by Discover Zero Liability policy5

Account management at your fingertips using the MetaWallet app3,4

Get cash from 24,000 fee-free2 ATM* locations nationwide

No hidden fees - they’re clear and predictable

*For each Out-of-Network ATM withdrawal, FasterMoney charges a $2.50 fee. Plus, the ATM owner may charge a fee. Terms may vary; to see terms associated with your card, see terms & conditions and cardholder agreement.

Add Money6

Fast and convenient - no hassles, less stress.

Direct Deposit

With free direct deposit, receive your pay up to 2 days faster1.

Load Checks

Load checks to your card in minutes1 - simply take a picture with your phone and your check can be loaded the same day for a fee.

Add Cash

Load with cash at thousands of places you visit every day - from the grocery store to the pharmacy.

Cash Load Partners Include

Direct Deposit

Get paid up to 2 days faster1 - your money’s available as soon as we receive it.

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Loading with Direct Deposit is free2.

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Get paid up to 2 days faster1 - no check-cashing lines, no waiting for checks to clear.

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It's safer than cash - your money is protected by Discovers Zero Liability policy5.

You Can Direct Deposit

Paychecks, Tax Refunds, Pensions or Government Benefit

How to Direct Deposit

  1. Have all or part of your paycheck deposited directly to the card

  2. Get your direct deposit information by logging into your online account

  3. Submit the form to your employer, government benefit provider or or tax preparer 

  4. Sign up to receive deposit alerts - get a text3 or email to easily track your deposit

Note: It can take a couple of pay periods for direct deposit to take effect. Until then, you will continue receiving your paycheck as usual.

MetaWallet homescreen

MetaWallet Mobile App

MetaWallet Mobile App

Anywhere, anytime access

Card management at your fingertips

  • Easy sign up and sign in—Use your device camera to capture your card information for faster signup, and eliminate sign-in hassles by using fingerprint authentication.

  • Simple, time-saving and comprehensive—See balances, transactions, and deposits in real time as they are available.

  • Know your balance—For those unexpected purchases or payments, view your current balance without having to sign in to the app.

  • Stay on top of your money—Get text or email alerts3 for low balance, verified transactions, and when funds are loaded.

  • Quickly reload funds—Find reload locations to quickly add cash to your card, get your direct deposit information, or load a check4 right in the app.

The MetaWallet app is a free2 download3 for Android and iPhone.

Download Apple Download Android

1. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds is subject to payer’s support of the feature and timing of payer’s funding.

2. While this feature is available for free, certain other transaction fees and cost terms and conditions are associated with the use of this Card. See cardholder agreement for more details. Feature available after identity verification is completed.

3. Standard text message rates, fees, charges, and other third-party fees may apply.

4. Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details. Under Discover rules, your liability for unauthorized transactions that take place on the Discover Network is Zero dollars ($0) if you notify us within two (2) business days and you are not grossly negli
gent or fraudulent in the handling of your Card. This reduced liability does not apply if you have reported more than two unauthorized events in the last 12 months or if you derived benefit from the unauthorized use of the card. In addition, if you directly gave permission or implied that a person had the right to use your Card, that use is not unauthorized, even if the person exceeded the scope of your permission.

5. Feature available after identity verification is completed.

6. For each out-of-network ATM withdrawal, FasterMoney charges a $2.50 fee. Plus, the ATM owner may charge a fee. See terms & conditions for specific details associated with your card.

7. Important information for opening a Card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties 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 your driver’s license or other identifying documents.

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