How do I link a debit card for instant transfers?

Eligible Found users can link a debit card to transfer funds into and out of their accounts instantly. Not only are these transfers fast, they can happen at any time—including weekends and holidays. 

Step 1: Link your debit card

You can link a card by following these steps:

• Open the Settings menu and choose Business banking.

• Select Linked accounts and cards from the menu.

• Select Debit card to link your debit card to Found.

• Enter your debit card details and select Next when done. 

Note: Found supports linking debit cards issued by Visa or Mastercard. Be sure that you aren’t attempting to link a credit card, pre-paid card, an unsupported card network, or other type of non-debit card.

Tip: If you see an error message when adding a debit card, double check that your billing address in Found exactly matches the address associated with your card.

Step 2: Verify your card 

In order to verify that you’re authorized to link this debit card, we may send a micro-deposit to the bank account associated with that card.

• Log into your debit card’s bank account and look for a small deposit from Found. This will be an amount less than $1.

• In Found, enter that amount from your bank account on the micro-deposit confirmation screen.

Note: You only have a few chances to verify this micro-deposit amount, so take care to enter the correct amount in Found.

Step 3: Move money to and from this linked debit card

To move money from your linked debit card into Found:

• Select Add money.

• Choose your linked debit card under Quick Add.

• Enter the amount you want to transfer and select Next. Confirm the transfer and your funds will be on their way instantly.

To send funds from Found to your linked debit card:

• Select Move money and choose External transfer.

• Choose your linked debit card to transfer

• Enter the amount you want to transfer and select Next. Keep in mind that transferring funds from Found to your linked debit card carries a 1.75% fee.

• Enter the verification code sent to your phone and confirm the transfer.

FAQs

How do I unlink my linked debit card from Found?

If you need to remove or replace the card that you’ve linked in Found, you can unlink your card by navigating to Settings and choosing Business banking, then selecting Linked accounts, and tapping the trash can icon next to your linked debit card to remove it.

Why can’t I link my card?

There are a few reasons why you may not be able to link your debit card to Found:

• Your billing address doesn’t match the address on your linked account. Be sure that this exactly matches, including any suite or apartment numbers that may apply.

• Your linked card or account is expired, locked, or disabled. Your card must be valid in order to make transfers to and from your linked account.

• You tried to link a credit card, prepaid card, or other unsupported card. Be sure that you’re linking a valid debit card and not a credit card.

Why can’t I transfer money from a linked card?

• You have insufficient funds. Double check that the account linked to your debit card has sufficient funds to cover the transfer money that you are trying to make into Found.

• Your bank requires additional verification. Some banks will ask for additional verification (e.g. 3D Secure authentication) for any unknown transaction on their card. Keep an eye out for a notification from your bank, often by text or email.

• Your bank doesn’t support instant transfers. Not all banks allow instant transfers using their debit cards. You may want to reach out to your bank or card provider to confirm that they support transfers to and from your card.

Are there any fees for instantly transferring funds into or out of my account?

Transfers out of Found via linked debit card carry a 1.75% fee, taken from the amount transferred. For more information about Found fees, see our Fee Schedule.

Do any limits apply to linked card transfers?

Yes, eligible Found users are able to deposit $1,000 per week via linked debit card, and transfer $4,000 per day from Found to their linked debit card. For more information on limits, including higher limits for established accounts, see our limits article.

How else can I transfer money instantly into Found?

You can link your Found debit card to payment apps like Cash App, PayPal, and Venmo. Instant transfers from each of these providers to your Found account are subject to a fee, charged by the provider.

Learn more: How do I transfer money to my Found debit card instantly?