UpTogether Virtual Wallet FAQs
Can’t find your question?
Getting My Money
-
As of March 27, 2023, UpTogether is introducing a virtual wallet to provide payouts to members. A virtual wallet is simply a place to access the money you receive from UpTogether. The funds are held at a bank Sunrise Banks, N.A.
This is not a savings account and you will not receive interest.
We encourage you to register your card in order to qualify for FDIC insurance. To register, provide your full name and mailing address in your virtual wallet account.
Any money you receive from UpTogether will be automatically added to your virtual wallet.
You have multiple options for how to withdraw cash from your virtual wallet:
- Virtual UpTogether card
-
- This is the default option where money from your virtual wallet is stored.
- Physical UpTogether card
-
- In addition to using the card to make purchases, you can use it at ATMs or get cash back in stores.*
*Fees may apply. See your cardholder agreement for details.
- Transfer the money to your bank account
-
- The first transfer out of your bank account each month is at no cost. All other transfers are debited from your account at $1.00 per transfer.
- The maximum amount you can transfer per day is $2,500.
- Paper check
-
- There is a $3.50 fee per check.
- There is no fee when you request account closure and a check for the full amount of the balance on your account.
- The maximum check amount you can request per day is $2,500.
- You’ll get the check in 5 – 10 business days.
- You may request account closure and a check for the full balance on your virtual card by calling 1-855-925-4626.
- There is a $3.50 fee per check.
- Apple Pay, Google Pay or Samsung Pay
-
- You can add your virtual or physical card to a digital wallet like Apple Pay, Google Pay or Samsung Pay
-
If you use a virtual or physical UpTogether card, any money you get from UpTogether will automatically be added to the card. You won’t need to do anything.
If you are transferring money to your bank account, this isn’t an automatic process. So every time you get money from UpTogether, you will need to request the transfer manually. We know that can be a pain, so we’re working to automate this process in the future. We will notify you when it’s available.
-
If you have a physical card or virtual card, your available balance stays in your virtual account or physical card account. This means you can always transfer all or part of your available balance to a bank account or request a paper check.
If you had previously requested a check or transfer from the virtual account to your own bank account, you can change the payout method the next time you receive money from UpTogether.
-
Cash Withdrawals (ATM or POS)
$1,025.00 per day (This includes Over the Counter withdrawals from a Bank Teller and Cash Back transactions at the register)
Card Purchases (Signature & PIN)
$10,000.00 per day
Push to Debit
$2,500.00 per day
Check Request
$2,500.00 per day (You may request account closure and a check for the full balance on your card by calling 1-855-925-4626)
Electronic Transfers (to a bank account, or via Venmo or PayPal)
$2,500.00 per day
Virtual Wallet FAQs
-
As of March 27, 2023, UpTogether is introducing a virtual wallet to provide payouts to members. A virtual wallet is simply a place to access the money you receive from UpTogether. The funds are held at a bank Sunrise Banks, N.A.
This is not a savings account and you will not receive interest.
We encourage you to register your card in order to qualify for FDIC insurance. To register, provide your full name and mailing address in your virtual wallet account.
Any money you receive from UpTogether will be automatically added to your virtual wallet.
You have multiple options for how to withdraw cash from your virtual wallet:
- Virtual UpTogether card
-
- This is the default option where money from your virtual wallet is stored.
- Physical UpTogether card
-
- In addition to using the card to make purchases, you can use it at ATMs or get cash back in stores.*
*Fees may apply. See your cardholder agreement for details.
- Transfer the money to your bank account
-
- The first transfer out of your bank account each month is at no cost. All other transfers are debited from your account at $1.00 per transfer.
- The maximum amount you can transfer per day is $2,500.
- Paper check
-
- There is a $3.50 fee per check.
- There is no fee when you request account closure and a check for the full amount of the balance on your account.
- The maximum check amount you can request per day is $2,500.
- You’ll get the check in 5 – 10 business days.
- You may request account closure and a check for the full balance on your virtual card by calling 1-855-925-4626.
- There is a $3.50 fee per check.
- Apple Pay, Google Pay or Samsung Pay
-
- You can add your virtual or physical card to a digital wallet like Apple Pay, Google Pay or Samsung Pay
-
No. You cannot add personal funds to your virtual or physical account.
-
Our members told us they want more choices in how to receive their UpTogether cash investments. So we transitioned to a virtual wallet to meet that need.
Previously, the only options available were virtual or physical UpTogether cards or a transfer to your bank. With a virtual wallet, you’ll have those options, plus you’ll be able to request a paper check, use your physical card at ATMs, and in the future, you’ll be able to get your payouts through Venmo and PayPal.
Virtual UpTogether Card
-
A virtual UpTogether card works just like a physical card. The difference is to use it to make purchases in stores, you will have to add it to a wallet app like Apple Pay, Google Pay or Samsung Pay.
-
You don’t have to take any additional steps to activate your virtual card. You can begin using it right away.
-
You may use your UpTogether Mastercard everywhere Debit Mastercard is accepted, in participating stores or online, or to pay bills.
To use it online, just enter the card details at checkout.
To use it in stores, you’ll need to add it to your Apple Pay, Google Pay or Samsung Pay wallet app on your cell phone.
-
You can check your card account balance in two ways:
1) Log in and view your virtual wallet here.
2) Call 1-855-449-2273 and choose option “3” to hear your current balance.
-
An inactivity fee of $4.95 per month will be deducted from your balance beginning on the 13th month after each 12-month period of inactivity. (Activity includes payouts from UpTogether, even if you have not spent any of the money.) To avoid this fee, use your card at least once a year after your last payout from UpTogether, even if it’s just to buy a pack of gum.
-
Yes, just like other types of accounts your may have, your transactions are recorded and shared in your digital wallet. UpTogether will not be able to see exactly what you purchased, only how much you spent and where.
For example: We’ll see Amazon – $45 as the transaction, but we won’t be able to see what you bought.
-
Yes. You can use this card online.
-
Yes, you can use your UpTogether card outside of the United States. International currency conversion fees apply. See the fee schedule and cardholder agreement for details.
However, due to banking regulations, you CANNOT use the cards in prohibited countries. If you want to confirm that you can use your card in a particular country, please contact the customer service team at 1-855-449-2273, Monday-Friday, 7 a.m. to 7 p.m. CST, except holidays.
-
Yes. You can transfer money from your virtual card to a physical card or your bank account.
-
Sure! You can add your virtual card to Apple Pay, Google Pay, Samsung Pay. See the steps below:
Apple Pay
- If using your Wallet app
- Select the “+” sign at the top right.
- Choose “Credit or Debit Card.”
- Enter your virtual card details.
- If using your Wallet from the phone Settings
- Select “Add Card.”
- Choose “Credit or Debit Card.”
- Enter your virtual card details.
Google Pay
- From the Home Screen, select “Payment” at the bottom.
- Select “+ Payment method” at the bottom.
- Choose “Credit or debit card.”
- Enter your virtual card details.
Samsung Pay
- If this is the first card you’re adding to Samsung Pay
- From the Home Screen, select “+ Credit/debit.”
- Select “Add credit/debit card.”
- Enter your virtual card details.
- If you have added cards to Samsung Pay before
- From the Home Screen, select “+ Credit/debit.” You will then see the cards you previously added to Samsung Pay.
- Select the blue icon on the bottom right of your screen to add a new card.
- Select “Add credit/debit card.”
- Enter your virtual card details.
-
If you no longer have access to your phone which contains your UpTogether virtual card information, you can recover your card information by visiting your virtual wallet here.
UpTogether cannot replace any money spent while your card is lost or stolen. If you need to dispute a transaction, please file a dispute by calling 1-855-449-2273, Monday-Friday, 7 a.m. to 7 p.m. CST, except holidays.
Physical UpTogether Card
-
Your UpTogether card will be mailed to the address you specified when you requested the card.
-
You should receive your card within 7 – 10 days after requesting it.
-
Yes. Your card works like a debit card, so you can use it at ATMs and get cash back in stores. There are no ATM fees if you withdraw money using an Allpoint ATM. Click here to find a location near you.
If you use your card at an international ATM to withdraw cash, there are international currency conversion fees. Please review the cardholder terms and conditions and fee schedule for details.
-
If you don’t receive your card within 10 days after requesting it, please reach out to the UpTogether Support Team before making an additional request for a new card as shipping delays may have occurred.
-
To activate your card, call the number on the back or go to your virtual wallet and select the “activate your card” option.
-
You can use your card everywhere Debit Mastercard is accepted, online and in stores that accept purchases via mobile wallets.
-
You can check your card account balance in two ways:
1) Log in and view your virtual wallet here.
2) Call 1-855-925-4626 and choose option “3” to hear your current balance.
-
No. You cannot add money to your virtual wallet or physical UpTogether card. However, if you get additional money from UpTogether in the future, you can add that money to your physical card.
-
Sure! Once you have a physical card as your primary card, any future payouts you get from UpTogether will automatically go to your physical card. You won’t need to take any additional actions.
-
Replacement card fee
- The fee to replace a lost or stolen card is $3.50.
- If there are unauthorized debits to your card, there is no fee to replace your card.
Inactivity fee
An inactivity fee of $4.95 per month will be deducted from your balance beginning on the 13th month after each 12-month period of inactivity. (Activity includes payouts from UpTogether, even if you have not spent any of the money.) To avoid this fee, use your card at least once a year after your last payout from UpTogether, even if it’s just to buy a pack of gum.
- The fee to replace a lost or stolen card is $3.50.
-
Yes, just like other types of accounts your may have, your transactions are recorded and shared in your digital wallet. UpTogether will not be able to see exactly what you purchased, only how much you spent and where.
For example: We’ll see Amazon – $45 as the transaction, but we won’t be able to see what you bought.
-
Yes, you can use your UpTogether card outside of the United States. International currency conversion fees apply. See the fee schedule and cardholder agreement for details.
However, due to banking regulations, you CANNOT use the cards in prohibited countries. If you want to confirm that you can use your card in a particular country, please contact the customer service team.
-
If your card is lost or stolen, please contact the card provider immediately at 1-855-925-4626 and report it missing. At that time, a customer service representative will be able to place a hold on your card so that no unauthorized activity may occur.
The fee to get a replacement card is $3.50.
UpTogether cannot replace any money spent while your card is lost or stolen. If you need to dispute a transaction, please file a dispute by calling 1-855-449-2273, Monday-Friday, 7 a.m. to 7 p.m. CST, except holidays.
-
No. You cannot add personal funds to your virtual wallet or virtual UpTogether card. However, if you get additional money from UpTogether in the future, you can add the money to your physical card.
Transfers to Your Bank Account
-
Yes. To transfer money from your virtual wallet to your bank account simply click the “withdraw to bank” button. You will need to do this every time you get money from UpTogether. We know that can be a pain, so we’re working to automate this process in the near future. We will notify you when it’s available.
-
Generally, the money is in your account 1 – 3 days after you make the request.
-
The first transfer to your bank each month is at no charge. All other transfers are debited from your account at $1 per transfer.
Paper Check
-
You will receive a paper check in the mail in 5-10 calendar days.
-
Call customer service at 1-855-449-2273, Monday-Friday, 7 a.m. to 7 p.m. CST, except holidays.
-
Call customer service at 1-855-449-2273, Monday-Friday, 7 a.m. to 7 p.m. CST, except holidays.
-
Yes there is a $3.50 fee for each check.
There is no fee when you request account closure and a check for the full amount of the balance on the account.
The funds in this account are held in a virtual or physical card account managed by FiCentive, Inc. The card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Mastercard International.
