CARA

ACH Direct Deposit

• Locate the Direct Deposit Authorization Form that came with your card or click here to obtain one.
• Sign and Date the form.
• Provide a copy to your employer(s) and to anyone that is able to pay you electronically.
• That's it! Your employer(s) will credit your card every payday, free! Enjoy all of the tremendous benefits your CARA Card has to offer!

• Load cash onto your prepaid card at participating Visa Ready Link and MoneyGram locations.
• Have instant access to your money after a participating provider successfully loads your prepaid card.
• There is NO program fee to load your card. However, there is a modest store charge to load money to your prepaid card. Store charges range from $3.95-$4.95.

VISA ReadyLink

• Locate a participating Visa Ready Link location by clicking here.
• Provide the cashier with your paycard and the money you want loaded onto it.
• The cashier will load your prepaid card and your cash will be available on your card instantly.

Money Gram

• Locate a participating MoneyGram location by clicking here.
• NOTE: When searching for a location, select "Reload other Prepaid Card".
• MoneyGram has two different processes for loading cash. The process depends on the location. The following are the two different processes.
• MoneyGram locations, such as Walmart and Albertsons, require you to complete a Blue MoneyGram Express Payment Form.
• Important: Click here to obtain detailed instructions and take them with you to the MoneyGram Stations that require you to complete the Blue MoneyGram Express Payment Form.
• Note: The Receiver Code is 7034 and the Account Number is your 16-digit card number.
• MoneyGram locations, such as CVS, require you to utilize the RED MoneyGram phone.
• Important: Click here to obtain detailed instructions and take them with you to the MoneyGram Stations that require you to use the RED MoneyGram phone.
• Note: The Receiver Code is 7034 and the Account Number is your 16-digit card number.

Free Online Card to Card Transfer!

• Log-in to your source account (the sending account) and choose “Card to Card Transfer” from the menu options on the left hand side.
• Fill in appropriate “Target Card Number” and “Amount”, then click “Submit”.
• Confirm or correct your entries. Once confirmed, the money will transfer and be available for the other cardholder's use!

Free Telephonic Card to Card Transfer!

• Call the number on the back of your card.
• Listen carefully, and follow the voice-prompts.
• Confirm or correct your entries. Once confirmed, the money will transfer and be available for the other cardholder's use!

ACH Funds Transfer

• Get ACH Funds Transfer (account to account transfer) instructions from the bank or credit union from which you want to transfer funds.
• You will need the routing and account numbers associated with your card. These are on the Direct Deposit Authorization Form that came with your card. You can obtain a copy of this form here
• Follow the originating financial institution instructions to make the transfer. After you confirm the transfer, funds should be available on your card in 2-3 business days.