Click on any of the links below to learn more about using your ethos Visa Debit Card Account. If you need more information on how to add funds to your ethos Visa Debit Card Account, see Deposit Options. Or if you have more specific questions, feel free to contact us.
HOW DO I MAKE A PURCHASE?
As an ethos Visa® Debit Cardholder, you may use your account to make purchases anywhere you see the Visa debit symbol, at over 32 million merchants worldwide!
Point of Sale (POS) Terminal — PIN based transaction
Just present your card to the merchant and they will guide you through the process. Be sure to tell them if you want cash back with your purchase. Keep your receipt for your records.
Card Swiped by Store or Restaurant — Signature based transaction
Just present your card to the merchant and sign the receipt. (You will not be able to get cash back with this type of transaction.) Keep your receipt for your records.
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HOW DO I GET FUNDS FROM AN AUTOMATED TELLER MACHINE (ATM)?
You may use your ethos Visa Debit Card to get cash from nearly one million ATMs worldwide, anywhere you see the STAR® or PLUS® logos!
- Insert your card into any ATM that displays the Visa or STAR® logos (you must have your PIN).
- When prompted, choose withdrawal from the option labeled "checking".
- Follow the remaining prompts to complete your transaction.
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HOW DO I ACCESS MY ACCOUNT?
The Interactive Voice Response (IVR)
- Dial 1-866-695-5400.
- You will be prompted through the call. You must have your 16-digit card number and last 4 digits of your Social Security Number ready.
- Information is available 24 hours a day, 7 days a week.
Online
- To view your account online, go to View Your Account.
- Your first time there, you will need to create an account. To do so, choose the menu option labeled "No Login Account? Click here..." Follow the prompts to set-up your account.
- Once registered, you can access your account 24 hours a day, 7 days a week.
Customer Service
- If you have a question or an issue that requires a Customer Service Representative (CSR), call 1-866-695-5400.
- Select option '0' to speak with a Customer Service Representative. Please note that you will be charged a $1.50 convenience fee for most CSRs calls.
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HOW DO I SET-UP MY MOBILE BANKING?
Online
- Access your online account from the View Your Account page.
- Login using your previous established login information
- At the main menu, choose the option labeled 'notification'
- Choose which mobile banking and security features you would like to activate and enter in the necessary information.
- Begin enjoying free mobile banking with consumer-activated fraud prevention!
Customer Service
If you do not have access to the internet, but, do carry a cell phone with text messaging, cardholder services will be happy to assist you in setting up your mobile banking features by calling 1-866-695-5400. ($1.50 customer service convenience fee applies.)
If you do not have a cell phone, but, would like to be able to turn your card on and off from any touchtone phone, Cardholder Services can also assist you with the set of this feature by calling 1-866-695-5400. ($1.50 customer service convenience fee applies.)
Begin enjoying free mobile banking with consumer-activated fraud prevention!
Congratulations!!!
Now that you have enabled your consumer-activated fraud prevention and mobile banking, below are a few shortcuts to help you effectively and efficiently use the Interactive Voice Response (IVR) System.
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WHAT SHORTCUTS EXIST FOR NAVIGATING THE IVR?
If you have enabled your consumer-activated fraud prevention and mobile banking, here are a few shortcuts to help you effectively and efficiently use the Interactive Voice Response (IVR) System.
Link your primary phone number to your account:
- When you complete the cardholder account application, list your cell phone and/or your primary phone number on the application. When you call the IVR system from either of these numbers, the system will automatically link your call to your Visa debit card account information. You must then enter your 4 digit security code (last four digits of your Social Security Number) to access your account information.
- Linking your debit card account to a primary phone number will save you the time and effort when calling the IVR in the future. You may still access your account information through the IVR from any phone, however, number other than the primary or secondary, will be required to complete additional security steps.
Hint: If you have reason to change your phone numbers, you must contact a Customer Service Representative to request a change to your registered phone numbers on file in order for the IVR system to recognize the new number. ($1.50 customer service fee applies.)
IVR MENU CHOICES
To check your available balance: Option 1
Account to account transfers: Option 4
While accessing your account, press "4" to transfer money to another account.
- Enter either the 10 digit phone number or 16 digit account number of the cardholder to whom you are sending money followed by the "#" (pound) sign.
- You will hear the number you entered read back to you. If correct, press "1" and continue, if incorrect, press "2" and re-enter the correct number.
- You will be prompted to enter the amount of money ($) you want to send to the other cardholder. Enter the amount using "*" (star) key for the decimal point followed by the "#" (pound sign).
- You will hear the amount you entered. If correct, press "1" to complete the transfer. If incorrect, press "2" and re-enter the correct amount. You may always abandon the transaction by simply hanging up.
Please note, that only registered phone numbers may be used as a destination number for money transfers.
If activated, both parties will receive a cell phone text message or email message confirming the transaction.
Fraud prevention/Toggling the card on and off: Option 5
When accessing your account, press 5 to turn your card on or off.
One time use: To turn your card "on" and have it automatically turn "off" after the next purchase or ATM withdrawal, press "5", followed by then "1".
Manual on/off: To enable your card and keep it on until you manually disable it, press "5", then "2". If your card is on and you want to turn it off, repeat the same step: press "5", then "2".
Helpful notes: The activation status of your card will change within 4 seconds.
When the card is off:
- No new purchases or ATM withdrawals can be made.
- Deposits and transfers to your account will be accepted, "auto-bill-payments" will be made, and card fees due will be debited.
- Pending transactions that were previously "authorized" will still clear with merchant settlement (actual posting of the final purchase amount to your account).
Report card lost or stolen: Option 9
The IVR will walk you through the necessary steps to take.
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