Cardholder Best Practices

It’s Your card

Your ReadyFUND$® Mastercard® Payroll Card is yours, not your employer’s, even if you leave your job. You can set up paychecks from your next job to be direct deposited to your ReadyFUND$® Card with your account numbers.

Get your Money

Each time you are paid, one of the following transactions below is provided at no charge*, when it is your first transaction following your payroll deposit:

  • All POS transactions with or without cash back
  • Bank teller cash withdrawal
You can make Point of Sale purchases at no charge, anytime and anywhere Mastercard debit cards are accepted.

How much money can I keep on my card?

You can maintain a balance up to $10,000 on your card and may receive a maximum of $5,000 in daily deposits.

How much money can I withdraw or spend per day?

Generally, you can spend or withdraw up to $5,000, however, various ATMs set limits to the amount of funds they will disburse with each transaction and some merchants limit the amount of cash-back they will provide.*

How do I know how much money is on my card?

You can check your balance at no charge through the following options: or 1-877-323-9363.

Can I order a card with my name on it?

Yes, just call 1-877-323-9363 to request a personalized card for a fee. Check your cardholder agreement for details.

How do I update my contact information or get answers to questions?

You can change your contact information and get answers to many questions by going to, or you can call 1-877-323-9363.

What does “no surcharge” mean?

Many ATM machine owners will charge a usage fee for using their machine; this is known as a “surcharge”. Money- Pass ATM machines do not add a surcharge which saves you money. To locate one of the surcharge-free ATMs, log on to

What if the ATM machine didn’t work... should I try another one?

There are four possible reasons why the ATM did not work:

  1. The machine may simply be out of cash or down for repairs.
  2. The machine may not support the network logos listed on the back of your card.
  3. You must select “checking” when prompted for the account type
  4. You have insufficient funds to cover the withdrawal for cash and/or the fees associated with that transaction.
You are charged for each attempt through the ATM machine. If you are unsure of your balance, you should call the toll free number listed on the back of your card to check your balance before attempting another ATM transaction.

What is my PIN and when do I use it?

Your four-digit PIN (personal identification number) is a number you choose when you activate your card. You should keep this number in a safe place so it isn’t lost or stolen—it is for your use only. Never write your PIN on your card. This PIN is the number used to make POS (point-of-sale) transactions and to withdraw money from an ATM machine. You should memorize this number for security purposes. If you’ve forgotten your PIN you can re-set it by going to

Can I get cash back at a POS terminal?

You can receive cash back, up to the limit of each merchant and there is no charge to get cash back.*

What if I lost my card or it was stolen?

If your card is lost or stolen, call 1-877-323-9363 immediately to report the card missing and to freeze funds in the account. Doing this quickly after noticing your card is missing will allow customer service to block your lost/stolen card so you can avoid any loss of funds. You can request a replacement card from your employer if they carry their own card inventory. Otherwise, when you call customer service, you can request to receive a ReadyFUND$ card by mail within 7–10 days. You can also expedite delivery for a fee.

More than one Job?

The ReadyFUND$ card is yours to use for direct deposit of pay from any employer that offers direct deposit. You can also have government benefits deposited to your card. Simply provide them with your direct deposit authorization form and the following information:

Bank Name/ACH Originator: First Covenant Bank
ABA Routing #: 061120835
Account Number: To obtain your personal account information visit and login to the cardholder portal
Account Type: Checking
What if the ATM machine keeps my card?

First, check with the bank, company or person in charge of the ATM machine’s operation to determine if the ATM equipment is malfunctioning. If no resolution is reached, contact the Customer Service Center toll free at 1-877-323-9363.

Does the receipt from the ATM machine and POS terminal reflect my current card balance?

Your current card balance is transmitted back to the ATM with each transaction. If the ATM has the proper software, this balance will be printed on your receipt. Point-of-sale terminals do not generally report available balances.

How do I return goods I purchased with my card account?

It depends upon the merchant’s policy. In some cases the merchant will credit your card, and in others the merchant will refund you with cash. As with any purchase, always keep your receipt.

What are the transaction fees for using my ReadyFUND$ card?

(For a complete list of ReadyFUND$ terms, conditions, fees and eligibility requirements, see the ReadyFUND$ Cardholder Agreement)

Transactions that are at No Charge:
Direct DepositNo Charge
Everyday PurchasesNo Charge
Cash Back at Point of SaleNo Charge
First Bank Teller Withdrawal Per Pay PeriodNo Charge
Toll Free IVR and Online Account AccessNo Charge
Card to Bank Account TransferNo Charge
Optional Cardholder Transaction Fees:*
POS Decline (Domestic or International)$1.00
ATM Balance Inquiry (Domestic or International)$1.00
ATM Decline (Domestic or International)$1.00
ATM Cash Withdrawal (Domestic or International)$2.50
Bank Teller Cash Withdrawal$2.50

The ReadyFUND$ Premier Access Mastercard Payroll Card is issued by First Covenant Bank pursuant to license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. First Covenant Bank, Member FDIC. For a complete list of ReadyFUND$ terms, conditions, fees and eligibility requirements, see the ReadyFUND$ Cardholder Agreement. ReadyFUND$ Premier Access Card program and eZsuite is licensed through Performance Benefits, Inc. and its affiliates and service providers are responsible for the operation and administration of all other products and services offered in the eZsuite of financial services. Fees and eligibility requirements apply. *Daily ATM limits may vary, store POS cash back limits may vary and other third party charges may apply. *Contact your cell phone provider for details on your plan’s text messaging rates.