Loading Money

Direct Deposit

Get fast access to your entire paycheck on payday.

Photo Check Upload

Load checks via Ingo™Money1 directly from the App.

Cash Reload Network

Load cash at over 60,000 retail locations including 7-11, Walmart, Walgreens, CVS, Rite Aid and Kmart.2

Auto Categorized

Spending Insights

Control your spending by reviewing your auto-categorized spending graphically.

Save up your Round Ups

Round Ups

Save your spare change and set aside 1-99 cents every time you make a purchase.3

Sending Money

Transfer Funds

Connect other accounts and transfer funds out via ACH.

Send Money

To anyone with a smartphone at no cost.4

No Cost ATM Network

No cost to withdraw funds from over 25,000 MoneyPass™ ATMs.

What Our Customers Are Saying

"Absolutely love it! I have my paycheck direct deposited on it without any issues and was also able to recently receive my tax refund on it without any delays!"

Nicole S.

Cardholder since 2017

"I absolutely LOVE this app. The customer support team is awesome. It's a convenient, must have, on the go alternative to a traditional bank."

Alex P.

Cardholder since 2017

"I wish everyone had the ChimpChange app. It's simple, has lightening fast customer service, no charges lurking, and I feel totally safe using it."

Shelley B.

Cardholder since 2016

Security & Service

Top-notch security and 24/7 customer service.


Mastercard Zero Liability Policy

Which means you won’t have to pay for unauthorized transactions.5

FDIC Insured Funds

By Central Bank of Kansas City, Member FDIC.

Top-Notch Security

Via two factor authentication, biometric verification and 256-bit encryption.

24/7 Customer Support

Call, message or email all day, every day.

We pride ourselves on our 24/7 Customer Support.

Our Cardholders are our #1 priority, so don’t ever hesitate to give us a call, write us a message in the App, or email us!

(1) The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy available in the ChimpChange App or at ingomoney.com/partners/chimpchange-terms-conditions/ and Privacy Policy available in the ChimpChange App or at ingomoney.com/privacy-policy/. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details. Ingo Money, Inc. and First Century Bank, N.A., are not affiliated with Central Bank of Kansas City.

(2) A fee applies from the third party retailer.

(3) ChimpChange’s Automatic Round Up feature allows you to collect the change from your day to day purchases and set it aside (“Round Up Balance”). The Round Up Balance is not a separate account. The total balance of the Card Account will be comprised of the balance available for spending (“Card Balance”) and the Round Up Balance. The Round Up Balance is a separate part of your Card Balance that is set aside and cannot be accessed by the direct use of your Card. The Card Account is FDIC-insured through Central Bank of Kansas City, Member FDIC.

The amount you set aside when using Automatic Round Up will still be part of your overall Card Account, but is not available to complete a purchase, or ATM withdrawal using the ChimpChange Prepaid MasterCard® unless the Round Up funds are transferred to your Card Balance first. If you check your balance at an ATM, the Round Up Balance will not be included in the available balance disclosed. Cardholders may modify or remove the Round Ups Balance portion of their balance at any time online or by calling the number on the back of your card without cost or penalty.

The Round Up Balance will not receive interest.

(4) Provided recipient has a ChimpChange Card or becomes a ChimpChange cardholder.

(5) Does not apply to certain prepaid cards, or corporate cards. Certain terms, conditions and exclusions apply. Please see Cardholder Agreement or www.mastercard.us/zero-liability.html for more details.