What is the EmployeeEdge Card?
The EmployeeEdge Card is a cost-effective and safer alternative to carrying cash and paying check cashing fees.
Here's how it works. You enroll in a prepaid card account, and upon successful identification verification you will receive a prepaid card in the mail. Once you deposit money into your card account, you can use your card to access that money and use it everywhere Discover® cards are accepted. Every time you use your card, you draw down on the balance. That means no overdraft fees, no late fees and no interest. It is not a credit card. It’s similar to a debit card, but without the checking account. When your card funds run low, you’ll have to add more money to your card account or wait to use your card until your employer deposits your wages on payday.
Also important to know is that this card is safer than cash because if it is lost or stolen you are protected by the Discover Zero Liability policy*. You must call us at 1-888-248-6738 as soon as possible after you learn your card was lost or stolen. An EmployeeEdge Customer Service Representative will order a new card for you, and any funds on the old card will be transferred to your new card once you activate it. (A Replacement Card Fee of $3.95 will be charged to your card account.)
*Note: Conditions and exceptions apply – see Cardholder Agreement.
You can use the EmployeeEdge Card to make purchases at millions of merchants worldwide, everywhere Discover cards are accepted — in stores, online, by phone and at ATMs. The EmployeeEdge Card is convenient, safer than cash, and gives you the freedom to pay with a prepaid debit card instead of carrying cash around.
How do I enroll for the EmployeeEdge Card?
Enrolling for the EmployeeEdge Card is easy and takes only minutes!
Click here to fill out our online Enrollment Form.
How long does it take to get my EmployeeEdge Card in the mail?
Your personalized EmployeeEdge Card will arrive in the mail at your home within 7-10 business days after you complete your enrollment for a card and successfully pass identity verification. To get a card, simply complete the online enrollment form. If we are unable to successfully verify your identity at the time of enrollment, there will be a delay in delivery of your card until we can successfully complete identity verification.
Is the EmployeeEdge Card a credit card?
No. The EmployeeEdge Card is a reloadable and reusable prepaid card. To spend money you must first load money into your EmployeeEdge Card account. You can add cash at Western Union® locations, and direct deposit funds from your paycheck or a benefits provider such as Social Security, Disability, Tax Refund and others. (See the questions about adding money for more detail.) When you use the EmployeeEdge Card, the amount of your purchase is deducted from the loaded balance.
Can I add another EmployeeEdge Card to my card account to give to a family member or friend?
Yes, you can add three Companion Cards to your EmployeeEdge Card account and give the other cards to a family member or friend. Companion Cardholders must be age 13 or older.
The name of your family member or friend will be embossed on the additional EmployeeEdge Card, and the card will have its own unique card account number. You will be able to transfer funds to the Companion Card, but the Companion Cardholder will not be able to load funds to the card from any other source.
Note: The primary cardholder is responsible for all transactions and fees incurred by themselves; any authorized person; and any additional cardholder on the card account according to the terms of the Cardholder Agreement. The primary cardholder is required to notify EmployeeEdge Customer Service to revoke permission for any person previously authorized to use their card.
How do I get an additional EmployeeEdge Card?
To order an additional EmployeeEdge Card for a friend or family member, login at myedgecard.employeeedge.org and click on "Order Supplementary Cards".
How do I load money to my EmployeeEdge Card?
The BEST way to have money added to your EmployeeEdge Card is through our Direct Deposit service. With Direct Deposit, you can have your pay, disability, and government checks (i.e. Social Security, Tax Refund, etc.) sent directly to your EmployeeEdge Card account, at no additional charge. For your convenience, we include a pre-filled Direct Deposit Form with your card when it arrives in the mail. Just complete this form, sign it and take it to your employer and your pay will be automatically deposited to your prepaid card account. If you need additional Direct Deposit forms (for example, if you have more than one employer) visit myedgecard.employeeedge.org and go to the “Load Funds” menu, then select "Set Up Direct Deposit".
Can I load my tax refund* to my EmployeeEdge Card account?
Yes. Have your tax refund loaded directly to your card account by including the EmployeeEdge Card account routing number and Direct Deposit Account (DDA) number (NOT your 16-digit card account number) provided on your Direct Deposit form. You can use this information whether you are filing online, by mail, or through your local tax preparer.
*Refund Direct Deposits MUST be in the name of the cardholder (or the cardholder's spouse) to be accepted and posted by EmployeeEdge Card.
Is the EmployeeEdge Card FDIC insured?
Yes, deposits are FDIC insured to at least $250,000 through The Bancorp Bank. The Bancorp Bank; Member FDIC.
What are Cash Rewards?
Cash Rewards are specially negotiated savings with select merchants that are exclusive to EmployeeEdge Card Users. Cash Rewards will be received by simply using your EmployeeEdge Card at the selected merchants when making your purchase. The agreed upon Cash Reward amount will automatically be credited to your card account within 90 days of purchase. Once deposited to your card account, this credit is added to your card balance with no requirements on where or how you spend it.
Where can I get Cash Rewards?
Cash Rewards are available at several leading merchants nationwide! To view a list of merchants, please visit http://www.employeeedge.org/getrewards
Is there any cost to participate in Cash Rewards?
No! Cash Rewards are a benefit offered to all EmployeeEdge Cardholders at no additional cost.