ATM Locator

Frequently Asked Questions

Getting Started

About the Card

Q: What are the KAIKU Cards?
A: The Cards are personalized, reloadable Visa Prepaid cards that you can use anywhere in the world that Visa debit cards are accepted.1
Q: Who can get the KAIKU Cards?
A: You must be at least 18 years of age and provide the required cardholder documentation to apply for a Card. Minors between the ages of 13-17 can be approved as a secondary cardholder on a primary cardholder's account.1
Q: How is the KAIKU Card different than a gift card?
A: The Cards are prepaid like a gift card, but gift cards are not reloadable, personalized, or governed by the same federal requirements. You can add money, use ATMs, add your paycheck with Direct Deposit or mobile money deposit, pay bills, and transfer money to other cardholders.
NOTE: Other fees may apply. See your Cardholder Agreement for a complete list of Terms and Conditions.

Applying for a Card

Q: How do I get the KAIKU Card?
A: Complete our quick online application form, and upon approval, we will send you a Card. Approval is based on verification of required cardholder documentation.1
Q: When do I get charged the $3.95 Service Fee when I order a new KAIKU Angry Birds Card?
A: The $3.95 Service Fee will be debited from your account at the time you first load funds to your new Card.
Q: How do I order a KAIKU Angry Birds Card if I already have a KAIKU Card?
A: Ordering a new KAIKU Angry Birds Card is easy. Just login to your account (www.kaiku.com/myaccount) and select, "New Card Designs" from the left-hand side navigation menu, then choose from one of the two card designs, and click "Order Card." The $3.95 Service Fee will be charged immediately and you will receive an email confirmation confirming your order.
NOTE: Once you receive and activate your new KAIKU Angry Birds Card, your KAIKU Card will become inactive. If you are using Direct Deposit, you do not need to update your information with your employer or benefits provider, however, you will need to update your Card number with any merchants where you have auto pay or bills deducted each month.
Q: How much does it cost to order the KAIKU Cards?
A: There is no additional cost to order and activate a KAIKU Card with the black design.2 Once the Card is activated there is a low $1.95 Monthly Maintenance Fee. For a complete list of all fees and costs associated with the Cards please refer to the Cardholder Agreement or visit: www.kaiku.com/card/fees.
Q: How does the monthly fee work?
A: Once your Card is activated and used, you will be charged the Monthly Maintenance Fee amount of $1.95 once every 30 days. Your Monthly Maintenance Fee is billed in advance of the coming month and your first load determines your billing cycle. For example, if you load your Card on the 16th of January, you will be charged the Monthly Maintenance Fee the following day for the period between January 17th through February 16th.
Q: Can the KAIKU Card be mailed to a Post Office Box or an international address?
A: No, federal law requires a U.S. physical residential address, so we are not able to ship Cards to a PO Box address or any international locations.
Q: I'm not a U.S. Citizen - can I still apply for a KAIKU Card?
A: Yes! However, we require a valid form of ID from legal aliens who reside in the U.S. such as a Martricula Consular or Resident Alien Card. In addition, you must have proof of a valid U.S. residential address and a Social Security Number or Taxpayer Identification Number.
Q: Can I open a KAIKU Card in the name of my business?
A: No, at this time we only offer personal Cards.
Q: Can I order a KAIKU Card for a person living outside of the United States?
A: No, you may only order a Card for yourself and you must reside within the U.S.

Receiving the Card

Q: How long does it take to receive my KAIKU Card?
A: You should receive your new Card in the mail at the address you provided within 7-10 business days. If you do not receive your Card within 10 business days, please call Customer Service toll-free at (1-855-285-2458), or email us at: customerservice@kaiku.com

Activating the Card

Q: What should I do when I receive my KAIKU Card?
A: Once your Card arrives, simply activate it online or over the phone, set up your PIN, and then load it. Full instructions are included with your Card.

Loading the Card

Q: Am I able to add funds to my KAIKU Card before it's been activated?
A: Yes! Before your Card arrives in the mail, you can add funds using Direct Deposit. Simply login to your account (www.kaiku.com/myaccount) and select Direct Deposit to access your ABA and account numbers. There, you can find our Direct Deposit setup form, which you can print and give to your employer. You may also be able to load funds from a U.S. bank account. All you have to do is login to your bank's website and follow their instructions to setup an ACH Transfer (sometimes referred to as "electronic funds transfer") using your Direct Deposit ABA and routing numbers.
Q: How do I load funds?
A: Once you have activated your Card, you can load funds, including cash at one of thousands of retailer locations using Visa ReadyLink or U.S. MoneyGram.3 Also, funds may be loaded from a participating U.S. bank account or through Direct Deposit.

1 IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions 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 a copy of your driver's license or other identifying documents.
2 The KAIKU Angry Birds Card has a Service Fee of $3.95.
3 KAIKU does not charge a fee to load cash onto your Card. However, an independent fee may be charged by the operator/owner of the retail location.

Basic Information

PIN Numbers

Q: How can I set up or change my PIN number?
A: Activate your Card and set your PIN online at: www.kaiku.com/activate or call toll-free 1-855-285-2458.

Lost Password

Q: What do I do if I forget my password?
A: To reset your password, click on "My Account," and then "Password Recovery." An email will be sent to you with instructions on how to change your password, and you will be asked to answer the security questions that you provided when you signed up.

Account Balances

Q: How do I check my account balance?
A: To check your balance, log into your account at www.kaiku.com/myaccount, where you can view your balance, deposits, and transaction history. You can also use your mobile device to sign up for text message alerts.
NOTE: Standard text messaging rates from your wireless service provider may apply.
Q: Can I check my balance by mobile app or phone?
A: Yes, you can also check your balance on one of our mobile apps, or by logging in to m.kaiku.com. You can also check by calling our toll-free number 1-855-AT-KAIKU (1-855-285-2458).
Q: Will KAIKU assess a monthly charge even with a $0 balance?
A: Yes, but the Monthly Maintenance Fee of $1.95 is not charged until after your Card has been activated and loaded with funds.

Card Acceptance

Q: Where are the KAIKU Cards accepted?
A: The Card is welcome everywhere Visa debit cards are accepted.1 You can also use your Card to withdraw cash at ATMs worldwide where Interlink®, Plus®, STAR®, or Allpoint® Acceptance Marks are displayed.2
1 Please note that federal regulations restrict the use of VISA debit Cards in the following countries: Solvenia (Balkins) SI and SVN, Croatia/Hrvatska (Balkins) HR and HRV, Bosnia-Herzegovina (Balkins) BA and BIH, Yugoslavia (Balkins) MK and MKD, Albania & Macedonia (Balkins) AB and ALB MK and MKD, Albania AB and ALB, Belarus BY and BLR, Cote D'Ivoire (Ivory Coast) CI and CIV, Congo CG and COG, Cuba CU and CUB, Iran IR and IRN, Iraq IQ and IRQ, Lebanon LB and LBN, Libya LY and LIE, Macedonia MK and MKD, Myanmar (Burma) BU and MMR, North Korea KP and PRK, Sudan SD and SDN, Somalia SO and SOM, Syria SY and SYR, Zimbabwe SW and ZWE. Additionally, the following countries have been restricted by our issuing bank (The Bancorp Bank): Columbia CO and COL, Nigeria NG and NGA, Mauritius MU and MUS, Latvia LV and LVA.

2 Please note that our issuing bank (The Bancorp Bank) has restricted ATM usage in the following countries: Jamaica, Dominican Republic, and Vietnam.
Q: Where can I find in-network Allpoint ATM locations?
A: You can find the nearest in-network Allpoint ATM locations by downloading one of our mobile apps, available at the Apple App Store, Google Play, or BlackBerry App World. You may also look on our website (www.kaiku.com/locations). Currently, there are more than 55,000 convenient domestic and international locations.

ATM Fees

Q: Are there any fees associated with using an in-network ATM from Allpoint?
A: There are no additional fees for withdrawing money or checking your balance at any of these locations inside the U.S. If your Card is declined, you will be charged $0.95 for each ATM Withdrawal Decline Domestic and $1.45 for each ATM Withdrawal Decline International. International ATM operators may also charge an additional fee.
Q: Is there a fee to use an out-of-network ATM to withdraw money or check my balance?
A: Yes. For ATM Withdrawals Domestic, you will be charged $1.45 per transaction and $0.95 for any ATM Balance Inquiries Domestic and International. If the ATM declines your Card because you do not have enough funds, you will be charged an ATM Decline Fee of $0.95.
Q: What is the fee to use an international out-of-network ATM to withdraw money or check my balance?
A: For international ATM Withdrawals, there is a $2.45 fee. For international balance inquiries, there is a charge of $0.95. If your Card is declined internationally, you will be charged an ATM Decline Fee (International) of $1.45. For all international transactions there is a POS Purchase Fee - Signature - International of 1.5%.

ATM, Balance, Spend, and Cash Back Limits

(To enhance the security of your account, there are limits affecting how much money can be loaded, withdrawn, and spent)

Q: What is the maximum balance I can keep on my Card at any one time?
A: $10,000.
Q: What are my ATM withdrawal limits?
A: For domestic ATMs, you can withdraw up to $500 per day. For international ATMs, you can withdraw up to $200 per day, subject to individual bank policies and restrictions. For international withdrawals, transaction fees will also apply.
NOTE: See your Cardholder Agreement for a complete list of fees.
Q: Can I withdraw cash from inside a bank?
A: Yes, Over-the-Counter cash withdrawal is available from inside a bank. Currently, the maximum amount you can withdraw is up to $500 daily.4 An Over the Counter Withdrawal - Domestic Fee of $4.95 will be charged for each transaction.
Q: How much money can I receive if I select "cash back"?
A: The maximum amount you can receive with "cash back" is $150 per transaction, subject to individual retailers' policies and restrictions.
Q: What is the maximum amount I can spend each day?
A: The maximum amount you can spend on any one transaction is $1,500.
Q: Does KAIKU place authorization holds on hotels, car rentals, and sometimes restaurants and other merchants?
A: Yes. When you use your Card to pay for goods or services, merchants may authorize the transaction in advance before determining its final value. This authorization confirms that your account is open and the appropriate amount is available. Once the purchase is authorized, a hold is placed on the funds in your account until the actual purchase is received by us and deducted from your account. Typically, this hold is removed within 2 to 3 business days. However, it could be as long as 7 days. For hotel or car rental purchases, it could be as long as 14 days.
Q: Does KAIKU pre-authorize the purchase amount at gas stations?
A: Yes. When you use your Card at the pump, the gas station pre-authorizes up to $74 or more to ensure that there is enough money on your account to cover the authorized transaction. Every gas station pre-authorizes a different amount. You can avoid the pre-authorization by paying for your gas in advance at the cashier.
Q: Does KAIKU charge for domestic or international PIN/POS transactions?
A: KAIKU does not charge for domestic PIN or POS (Point of Sale) transactions, either online or via signature. For international PIN/POS transactions, there is a 1.5% fee charged to the total transaction amount.
Q: What are KAIKU's transaction limits for general purchases, Cash Back, domestic and international ATM withdrawals, Card-to-Bank transfers, and Over-the-Counter cash withdrawals?
A: For general purchases, you can make up to 25 transactions daily. If you are withdrawing funds from either a domestic or international ATM, you can get cash up to 5 times daily. For complete transaction limits, please refer to our Table of Fees.

4 Subject to individual ATM/bank daily limits.

Loading Funds

General - Balances, Fees, and Loads

Q: What is the minimum load amount required on the KAIKU Card?
A: The minimum amount required to use the KAIKU Card is $20 with a cash load. There are no minimum load requirements for Direct Deposit or from a bank account.
Q: Is there a minimum balance required?
A: There is no minimum balance requirement, but there must be sufficient funds to cover the Monthly Maintenance Fee. As a courtesy, KAIKU will send you a reminder when your balance drops below $10.00 (you must enable "text messages" in MyAccount to receive this notification).
NOTE: Standard text messaging rates from your wireless service provider may apply.
Q: How is the low balance reminder sent?
A: The reminder will be sent via text alert, and standard text messaging rates will apply.
Q: What is the maximum amount I can load onto my KAIKU Card?
A: It depends on the method of loading you are using. For Direct Deposit, you can load up to $10,000 per transaction. If you load your Card from a bank account, you may transfer up to $10,000 per transaction. For cash loading, KAIKU has a limit of $950 per day that you may load; however, merchants can set their own cash loading limit. Therefore, cash loading limits vary depending on the retailer and location. The maximum amount you can load onto your Card within 30 days is $25,000, and this total includes cash, Direct Deposit, Card-to-Card, PayPal™, or bank account transfers.
Q: How many times can I load my KAIKU Card in a 30-day period?
A: You may load your Card up to 45 times for each 30-day period. The maximum amount of times to load your Card includes cash, Direct Deposit, Card-to-Card, PayPal or bank account transfers.
Q: Can I load cash when I'm traveling outside the United States?
A: No, the cash loading option is not currently available internationally.
Q: Is there a fee to use my KAIKU Card internationally?
A: Yes, you will be charged a POS Purchase Fee - Signature - International 1.5% of the purchase amount for each transaction. This fee is charged in addition to the ATM Transaction Fee (International).
Cash Loading (Visa Readylink Or Moneygram)

Adding Funds

Q: Where can I load cash using Visa ReadyLink and what's the minimum amount required per load?
A: The minimum load amount is $20. To find the nearest location, use our locator at: www.kaiku.com/locations.
Q: How do I add funds using Visa ReadyLink at U.S. MoneyGram locations?
A: Loading cash with Visa ReadyLink at any MoneyGram location is easy. To add money, simply complete the Blue Form provided or use the MoneyGram phone and provide the following information:
Company Name: KAIKU
Account #: 16-digit card number
Receive Code: 7034

Fees

Q: How much does it cost to load cash with Visa ReadyLink and MoneyGram?
A: Cash loading fees vary by individual location and range between $2.95-$4.95. You can load cash for as low as $2.95 at Marathon Oil at more than 3,000 locations across the U.S.

Availability of Funds

Q: After I load cash onto my KAIKU Card, how long is it before the funds are available?
A: Your funds are available immediately for use.

Limits

Q: How much cash can I load onto my KAIKU Card domestically?
A: KAIKU has a limit of $950 per day that you may load; however, merchants can set their own cash loading limit. Therefore, cash loading limits vary depending on the retailer and location.
Direct Deposit

Adding Funds

Q: How do I add money using Direct Deposit?
A: Using Direct Deposit is easy. Before your Card arrives in the mail, you can access your ABA and account numbers online at: www.kaiku.com/myaccount. There, you can print the form and give it to your employer, and they will handle the rest! Or, use the enrollment form that arrives with your Card and hand it to your employer. Either way, setting up Direct Deposit is easy!

Fees

Q: Is there a fee for Direct Deposit?
A: No, there is no additional fee for Direct Deposit.

Availability of Funds

Q: When will my Direct Deposit be available?
A: You can access your money as soon as the funds are electronically deposited to your account by the payor.
Q: My Direct Deposit was supposed to be deposited today, but I don't see it on my available balance. What should I do?
A: If your funds are not appearing in your account, check with your employer that they have the account information correct.

Limits

Q: What are the maximum amounts for Direct Deposit?
A: You can load up to $10,000 per transaction.

Deposit Options

Q: Can I split my paycheck or request a specific amount to be deposited?
A: Yes, all or a portion of your paycheck can be directly deposited into your Card Account.
Q: Can I load government benefits like disability, Social Security or my tax refund?
A: Yes, just provide the same information as any other Direct Deposit.
PayPal Account Transfers

Adding Funds

Q: How do I add funds using my PayPal account?
A: Transferring funds from a PayPal account is simple. Log in to your PayPal account and enter both your account and ABA routing numbers that were provided with your Card and follow their instructions.
Q: Can I transfer funds from my KAIKU Card to my PayPal account?
A: No, you may only transfer funds from PayPal to your Card, not from your Card to PayPal.
Q: Can anybody transfer funds from their PayPal account to my KAIKU Card?
A: No, fund transfers must be in the name of the cardholder.

Fees

Q: Is there a fee to transfer funds from my PayPal Account to my KAIKU Card?
A: No, there is no additional fee for transferring money from your PayPal Account to your KAIKU Card.

Availability of Funds

Q: How long does it take to post the funds that are added from my PayPal account?
A: Fund transfers from PayPal typically take 3-4 business days.

Limits

Q: What are the maximum amounts for PayPal?
A: You can load up to $10,000 per transaction.
Card-to-Card Transfers

Adding Funds

Q: How do I add funds using the Card-to-Card feature?
A: Transferring money with the Card-to-Card feature is easy and can be done online or through your mobile device. All you need is the cardholder's email address and the last four digits of their phone number!

Fees

Q: Is there a fee to use the Card-to-Card loading feature?
A: No, there is no additional fee for Card-to-Card transfers.

Availability of Funds

Q: Once I have transferred funds from my KAIKU Card to another KAIKU Card when are the funds available?
A: Immediately.

Limits

Q: What is the limit of funds I can I transfer when I use the Card-to-Card feature?
A: You may transfer up to $500 per transaction. The minimum amount required is $5. You may transfer money to as many as 6 different KAIKU cardholders in any 30-day period. The number of transfers allowed for each day is 3, and the maximum number of transfers for any 30-day period is 15.
From (or to) a Bank Account

Adding Funds

Q: How do I load funds from a U.S. bank account?
A: To transfer funds from a bank account, login to your bank's website and follow their instructions to set up an ACH Transfer (sometimes referred to as "electronic funds transfer"). Each bank has their own setup process, but you will need to provide your account number and ABA routing number to initiate a transfer to your KAIKU Card (this can be obtained by logging in to your account at www.kaiku.com/myaccount and selecting "Transfer + Reload" and then "Reload from a Bank Account"). NOTE: Not all banks allow this feature, so please check with your bank for further details.
Q: Can I use my bank's bill pay option to add funds to my KAIKU Card?
A: No, we do not accept bill pay as a loading option. If we receive a transfer initiated from your bank with bill pay, it will not be accepted.
Q: How do I move funds to a U.S. bank account?
A: Transferring money to a U.S. bank account is simple. Just login to your account at www.kaiku.com/myaccount, select "Transfer + Reload" and then "Transfer to a Bank Account". Provide the account and routing numbers, then enter an amount and click transfer. It's that easy!

Fees

Q: Is there a fee to load money from my bank account to my KAIKU Card?
A: KAIKU does not charge a fee for this service, but your bank may. Please check your bank's website or contact them for details.
Q: Is there a fee to transfer money from my KAIKU Card to a U.S. bank account?
A: Yes, you will be charged the DDA Transaction Fee of $0.95 for each transaction. This transaction fee is non-refundable and charged each time a transfer request is initiated, whether or not the transfer is successful or returned for any reason outside of KAIKU's control.

Availability of Funds

Q: How long does it take to post the funds that are added to my KAIKU Card from a bank account?
A: Fund transfers from your checking or savings account typically take 2-3 business days.

Limits

Q: How much money can I load from my bank account to my KAIKU Card?
A: You may transfer up to $10,000 per transaction.
Q: How much money can I transfer from my KAIKU Card to a U.S. bank account?
A: You may transfer $500 per transaction.
Tax Refunds

Adding Funds

Q: How can I receive my IRS tax refund on my KAIKU Card?
A: When you fill out your tax return, simply enter your Card's routing and Direct Deposit number in the space provided on your tax form. Since your Card is designated as a "checking account," be sure to check that box on your tax form.

Fees

Q: Are there fees to have my tax refund deposited onto my KAIKU Card?
A: No, there is no additional fee for adding funds with your tax refund.

Availability of Funds

Q: How long will it take to receive my IRS tax refund?
A: The IRS provides estimated dates for when federal refunds will be sent. If you have not yet received your refund and would like to check the status, please visit the IRS web site at www.irs.gov and select "Check on Your Refund." You may also call the IRS Refund Hotline at: (800) 829-1954.

Limits

Q: Since my tax refund is from the government, is there any limit to the amount I can load through Direct Deposit?
A: Yes. You can load up to $10,000. If your tax refund is greater than $10,000 you cannot load it directly to your Card.

Refunds for Others

Q: Can I receive tax refunds for other people on my KAIKU Card?
A: No. In accordance with IRS guidelines you can direct your refund to your Card; you cannot direct your refund to someone else's Card (except for your spouse's account, if this is a joint refund). If we receive a tax refund intended for individuals other than the cardholder, the refund may be rejected and/or your Card may be blocked, pending additional verification. For more details from the IRS about tax refunds, click here.
Wire Transfers
Q: Does KAIKU accept wire transfers?
A: No, we do not accept any wire transfers.
Safety and Security
Q: How is my money protected with the KAIKU Card?
A: All your funds are held in The Bancorp Bank and insured by the Federal Deposit Insurance Corporation (FDIC) in accordance with the FDIC's applicable terms and conditions. For more information please visit www.fdic.gov.
Q: How am I protected against unauthorized transactions?
A: The Visa Zero Liability policy protects you from fraudulent charges made with your Card or account information. The Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
Q: How does KAIKU ensure that my transactions are safe?
A: KAIKU uses one of the most robust processing platforms currently available with a network infrastructure that is compliant with Payment Card Industry Data Security Standards (PCI-DSS). Our transactions are processed on multiple, secure servers with advanced software applications.
Account Services

Card Reissue, Replacement, and Suspension

Q: What do I do if my KAIKU Card is lost or stolen?
A: If your Card is ever lost or stolen, you can login to your account at www.kaiku.com/myaccount and select "Report Lost/Stolen," or call us toll-free 1-855-285-2458 to speak to a live representative. You may also email us at: customerservice@kaiku.com. There is a Card Replacement Lost Stolen Fee of $3.95 to replace your Card.

Disputes

Q: Do we offer refunds on merchant disputes?
A: Yes, you can log in directly to your account at www.kaiku.com/myaccount, choose the transaction from "Transaction History" and submit a dispute form (www.kaiku.com/myaccount) about any transactions on your account. We will respond within 10 business days

Card Cancellation

Q: How do I cancel my KAIKU Card?
A: To cancel your KAIKU Visa Prepaid Card at any time, you may call our live Customer Service (24/7) toll-free: 1-855-285-2458.
Q: Is there a fee to cancel my account?
A: No. KAIKU doesn't charge a separate fee to cancel your account.
Q: If there's a remaining balance on my KAIKU Card, how do I receive those funds?
A: You will receive a check with the remaining balance (less any applicable fees) within 7-10 business days. There is a Refund Check - Debit Cardholder Fee of $12.50 charged to issue the check.
Secondary Cards
Q: Can I order Additional KAIKU Cards for friends or family?
A: Yes, you can purchase up to 3 Secondary Cards for $2.00 each. Secondary cardholders must pass the same federal "Know Your Customer" requirements as the Primary Cardholder. However, if the Secondary cardholder is under the age of 22 and their last name matches the Primary account cardholder's last name, they can be manually approved by a KAIKU Account Team Member. There is no additional Monthly Maintenance Fee of $1.95 for adding a Secondary Card, but the one-time fee of $2.00 will be charged for each Secondary Card that's added to the Primary account.
Q: Can each individual cardholder have a separate balance?
A: No, all Secondary Cards share the same balance as the primary cardholder.
Q: Can a secondary cardholder use the same features as a primary cardholder?
A: No, secondary cardholders cannot initiate Card-to-Card transfers (but can receive them), or transfer money from the Secondary Card to a U.S. bank account. All other features of spending and accessing ATMs are the same, along with Direct Deposit and cash loading.
Q: How does a secondary cardholder access their account?
A: After the primary cardholder adds a Secondary Card to the account, the secondary cardholder will receive an email with a temporary password. The secondary cardholder can then log in to their new account and change the password in the Profile settings.
Q: Can the primary cardholder view and access the secondary cardholder's information?
A: The primary cardholder has access to all of the secondary cardholder's account information, including transaction history.
Q: Can the secondary cardholder see the primary cardholder's information?
A: The secondary cardholder cannot see the primary cardholder's account or transaction information.
Q: What's the maximum amount I can add to share between Cards?
A: You can add up to $10,000 to the primary Card to share between all accounts.
Account Access from Mobile Devices
Q: How can I access my account from my mobile device?
A: You can access your account by downloading one of our mobile apps for the iPhone, Android, or Blackberry smartphones. Use your mobile device to transfer money to another KAIKU cardholder, check your account balance, review your transaction history, or search for in-network Allpoint ATMs or Visa ReadyLink and MoneyGram cash loading locations.
Q: How can I download the iPhone™, Android or BlackBerry® smartphone mobile apps?
A: You can download it from the Apple App Store, Google Play, or BlackBerry App World.
Q: Is my account information protected when I use KAIKU Mobile?
A: Yes, all data that is processed and transmitted across our mobile platform is protected by industry standard encryption methods and security standards.
Online Bill Pay
Q: Where can I find Online Bill Pay?
A: You can access Bill Pay by logging in to your account (www.kaiku.com/myaccount).
Q: How does Online Bill Pay work?
A: With Bill Pay, you can make one-time or recurring payments to anyone, such as your utility, cable company, physician, or even a friend or family member.
Q: How are payments issued?
A: Payments are issued electronically or via paper checks, depending on the payee's capabilities. For payees that don't accept electronic payments, we recommend that you set the "send on" date at least 5 business days in advance of your bill's due date. And for payees that do accept electronic payments, we recommend that you set the "send on" date at least 3 business days in advance of the due date. Currently, paper checks are issued daily Monday thru Friday.
Q: How much does Online Bill Pay cost?
A: There is no fee to initiate any Bill Pay transaction and there is no fee to use the service. However, we do charge a Bill Payment - Stop Payment Fee of $25 and a Bill Payment - Returned Item Fee of $25 for any stopped or returned bill payments.
Q: Can I cancel a payment?
A: Yes, just click the Cancel link in the Pending Payments section on the Make Payments page within our Online Bill Pay program.
Q: Does a cancelled payment count as a stop payment?
A: No, you can cancel the payment up until the time it begins to process (typically 1-2 days for electronic and 4-5 days for check payments). A stop payment is requested after it begins to process, but prior to the payee receiving the funds.
Q: Can I pay a person or a business if I don't have an account number?
A: Yes, you don't need an account number to make a payment.
Q: Who can authorize payments?
A: Only you can authorize a payment. Whether you are making a one-time or recurring payment each month, you have complete control over whom you are issuing payment to.

*For a complete list of FAQs regarding Online Bill Pay, please login to your Bill Pay account and select, "Help" on the left-side navigation bar.

Mobile Money Deposit
Q: What is mobile money deposit and how does it work?
A: With mobile money deposit, you can use your smartphone to take a picture of a check and load the funds to your Card. Ingo accepts any of the following types of checks: preprinted payroll or government checks, attorney, cashier's, handwritten payroll, insurance, money orders, rebate, refund anticipation, two-party, and even personal checks.
Q: When will my funds be available?
A: You decide. If you choose the no-fee option, your funds will be loaded to your Card in 10 days as long as the check is approved and not returned unpaid. If you need your money sooner, a $5 minimum fee will be applied to each approved check load transaction, so that the fee charged on each transaction will be the greater of either (1) $5.00 or (2) 1% or 4% of the total check amount depending upon the type of check. Ingo does not accept checks in a face amount of less than $5.00

If you choose to pay the fee to receive your deposit sooner, your money will be available after a short review by Ingo that can take as few as 2 minutes or, in rare occasions, as long as an hour.
Q: How much does the service cost to use?
A: KAIKU does not charge a service to use mobile money deposit, but fees from Ingo, the remote deposit capture provider, may apply. Please visit www.ingomoney.com for more information on applicable fees.
Q: How much money can I load onto my Card?
A: The maximum amount that Ingo accepts is $2,500 per check, $5,000 per day, and $10,000 per month. These amounts are subject to the daily and monthly load limits imposed by your card program, the maximum account balance allowed on your card, and other limits your card program may impose.
Q: What do I do if my check is not approved?
A: All checks submitted to Ingo are subject to approval for funding. There are a number of reasons why your check might not have been approved. If you have questions, please contact a trained Ingo Consultant available 24/7 at 866-984-HELP or email Ingo at help@ingomoney.com.
Q: Why can't I register in the Ingo Money app?
A: If Ingo cannot verify your identity - for instance, if your name and address don't match or your name and social security number don't match - you will not be able to register. If you have questions, please contact a trained Ingo Consultant available 24/7 at 866-984-HELP or email Ingo at help@ingomoney.com or visit http://ingomoney.com/faq.html.

For more information visit http://ingomoney.com/faq.html

About KAIKU
Q: Who is Kaiku Finance, LLC?
A: Kaiku Finance, LLC (KAIKU) is a leading provider of convenient and affordable prepaid payment solutions.