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Before you get started

Congrats, you're about to take control of the way you get paid. A couple of important tips:

1. If you’ve previously had an Instant account, DO NOT create a new one. Seriously. Click here to get help reconnecting to your Instant account.
2. If you're new to Instant, create your account right away and pair your Instant card immediately to ensure there are no delays in getting paid.

Quick Links:

  • How do I set up my Instant account?

    Lucky you! Your employer offers the benefit of Instant. Grab your Instant Welcome Letter, card kit, a web-enabled device, and watch this video that will guide you to set up your new Instant account!

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  • What is Instant Pay?

    Instant Pay program allows you to access a portion of your pay through Instant Financial app after each shift without having to wait for payday.

  • What is Instant Tips?

    Instant Tips program eliminates the need for cash tips and streamlines tip disbursement electronically to your Instant prepaid card immediately after each shift.

  • Everything you need to know about your Instant Card

    Here is what you need to know about your Instant Card.

    Your Instant Card:

    • Can only be activated once and under one account (your account is registered by your email address)
    • Can only be used at locations that take VISA Cards (or debit)
    • Can only be funded by your employer
    • Your card cannot go into overdraft. It is a prepaid Visa debit, so you will need to have funds on the card to make a purchase
    • Does not have a routing number or account number
    • Can only be used in the United States. If you are traveling, we recommend you let us know! Get in contact with us and we will help you with this.

    If you need more information, please check out the following article Where can I make Purchases with my Instant Card.

  • Trouble signing into Instant?

    If you have forgotten your Password, or would like to update it, follow these instructions.

    When signed into the Instant app already (you know your password):

    1. From the Dashboard, click the Menu icon in the top left corner.
    2. Select Settings
    3. Select the option Update Password
    4. You will need to enter your current password and enter your new password twice. Your new password must pass our strength indicator bar, and you must enter it twice to ensure you have not made a typo.

    When not signed into the Instant app (forgot your password):

    1. From the first app screen, select Sign In
    2. If you do not know your current password, below the Log In button, select “Need help logging in?”
    3. Select Forgot Password
    4. Enter the email address associated with your Instant account and hit “Reset Password.” You will receive a password reset link in your email.

    *Note: If you enter an email address, hit “Reset Password” and get the pop up “Oops User not found,” it means this is not your correct email address associated with your Instant account. Please check the spelling of your email address and try again.

    When you have forgotten your EMAIL: If you cannot remember the email address associated with your Instant account, DO NOT create a new account.

    • From the first app screen, select Sign In
    • If you do not know your current password, below the Log In button, select “Need help logging in?”
    • Select Forgot Password
    • Enter the email address you believe is associated with your Instant account and hit “Reset Password” to send yourself a password reset link in an email. If you get the pop up “User not found” it means this is not your correct email address.
    • Follow the link below “Reset Password” and select “Forgot email? Contact our Team.”
    • A live chat will pop up with Instant Support. The agent there will verify your identity with details from your account, and then can help you recover your email address to your Instant account.

    *Note: As a financial institution, we take security VERY seriously. We will not proceed to assist a caller or chatter if they fail security and identity verification protocol.

  • How can I protect my Instant Visa Debit Card from fraudsters, skimmers, and more?

    This information will provide general recommendations and best practices on protecting a Visa Debit card from potential fraud.

    In this day and age, one can never be too careful. Please read and follow these best practices.

    • Treat your Instant Card like cash – never give it to anyone.
    • Sign the back of your card for security and identification purposes.
    • Don’t share your Card Account number or Personal Identification Number (PIN) with anyone.
    • Don’t write your PIN on your card. If someone steals your card, they can withdraw all your money.
    • Never share receipt information about your Instant Card with anyone else (for example, your ATM receipt).
    • Always check your balance in private. If someone asks to listen as you call to confirm the balance of a card, it is likely a fraud scam.
    • Avoid letting friends or family use your card so they don’t make unauthorized purchases.
    • If you see an unauthorized transaction on your account, go into the Instant Financial app and freeze your card immediately to prevent any other transactions. Then call us with the number of the back of the card so we can protect your account.
    • If your card is lost or stolen, go into the Instant Financial app and freeze your card immediately to prevent any other transactions. Then call us using the number on the back of your card, so we can make sure that anyone who finds your card can’t use it.
    • Don’t use your Instant Card for any offer that requires you to pay before you get the item unless it’s a trusted merchant. Most cases, this is a fraud scam. Look for secure websites (the lock symbol in front of the URL), logos such as the Better Business Bureau or TRUSTe, and positive customer reviews. Avoid sites that trigger browser phishing alerts or ask for more information than necessary.
    • Always be aware of your surroundings when using your card. If the person behind you is crowding you while at an ATM or when making a purchase, this may be an indication they are trying to see your Instant Card Account number or PIN. Politely ask them to give you some space.
    • Beware of card “skimming”. Generally, card skimmers use card reading devices that fit over an existing device or ATM. Common occurrences of card skimmers include gas stations, parking garages, and ATMs.
  • Looking for more information?

    Visit our Support Center FAQ page. From there, you can also chat with our Support team. We’ll be happy to answer general program questions.