rapid! Cardholder FAQs
Learn More about the rapid! PayCard
The power behind the ultimate payout platform

Q. What is the rapid! PayCard?

A. It is a prepaid card that does not require a credit check¹; therefore, only a successful identity check and US Residency is required. It allows you to collect and spend your pay without hassle or inconvenience. The rapid! PayCard can be used at millions of ATMs and merchant locations worldwide, wherever Debit Mastercard or Visa debit cards are accepted. This card provides you with added safety² and security² over carrying cash.

Q. What is the difference between the personalized rapid! PayCard and the instant issue rapid! PayCard?

A. The first card you receive is the instant issue rapid! PayCard. It has a Mastercard or Visa brand mark but it does not have your name embossed on it. When you call Customer Support 1.877.380.0980 to activate your card you may also request an upgrade to a personalized card with your name embossed on it at no additional cost. When the personalized rapid! PayCard arrives in the mail (7-10 business days) the instant issue card remains fully usable until you activate your new personalized card.

Q. When will my payroll funds be available on my rapid! PayCard?

A. Your pay will typically be available by 10:00 am EST in the morning on your payday. You can check your balance then or anytime by calling 1.877.380.0980 or by visiting www.rapidfs.com.

Q. What happens if I lose my rapid! PayCard? What should I do?

A. Most importantly, your money is protected with Networks³ Zero Fraud Liability4,5 Policy. Just call 1.877.380.0980 to report it lost/stolen and request a new card, or ask your employer for a new card. Call 1.877.380.0980 (press 0) and tell the representative this is a replacement card.

Q. Is this payroll direct deposit different from other types of direct deposit?

A. Not at all. The funds deposited on your card can be available by 10:00 am EST in the morning on your payday.

Q. How can I get a rapid! PayCard and get started with Direct Deposit?

A. It’s easy to obtain your own rapid! PayCard. Just ask your employer or the Payroll department of your company for a rapid! PayCard direct deposit form.

Q. Can I add additional funds to my rapid! PayCard?

A. The rapid! PayCard is fully portable. This means you can take the card to any other employer (second or part-time job), regardless of who gave you the card, and sign up for a direct deposit payment. In addition, you can direct deposit your income tax refund, social security benefit, military pension, or any other payment that can be direct deposited. Please login to www.rapidfs.com to access your direct deposit account number or ask one of our customer service representatives.


  1. Because this is not a credit card, your credit will not be checked.
  2. Funds are FDIC insured. MetaBank® or The Bancorp Bank® are FDIC-insured members. For additional information regarding FDIC insurance and what it means for you as a cardholder visit fdic.gov/consumers
  3. Mastercard or Visa
  4. Mastercard Zero Liability: Conditions and exceptions apply. Please see website for more information about Mastercard Zero Liability: mastercard.com/general/zero_liability.html
  5. Visa Zero Liability: Visa’s Zero Liability Policy covers U.S.- issued cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.