To earn Stock-Back® rewards, you will need to have a funded Stash Banking account and an active Stock-Back® Card.¹

You can learn more about Stash Banking and funding your account in this guide

You can learn all about Stock-Back Rewards in this guide.

Your Stock-Back® Card will be sent to you once you fund your Stash Banking account with at least $1. Once it arrives, you will need to activate it.

After you receive your Stock-Back® Card, you can activate it right in the app. Follow these steps:

• Open this link to view your “Banking” screen.
• Tap Activate.
• Enter your card information and tap Activate Card.

Misplaced your wallet and worried that fraudsters have it? Don’t panic—Stash offers the ability to lock and unlock your Stock-Back® Card (your debit card). You can keep looking for your card without worrying about unauthorized transactions. Locking is easy—here’s how:

You can easily order a replacement Stock-Back® Card, 24/7 right from your Stash account. Your new card should arrive in the mail in 7-10 business days.

Follow these steps:

If you reported your Stash Stock-Back® Card lost or stolen, your old card will no longer work. You will need to wait until your replacement Stock-Back® Card arrives to use your card.

If your card was damaged or if you never received your replacement card, you can continue to use your current Stock-Back® card number.

If you have any automatic payments set up with your old Stock-Back® Card number, please update your card information after you activate your new card.

Stock Round-Ups allows you to invest spare change from qualifying purchases made with your Stock-Back® Card.¹³ Each time you spend with your Stock-Back® Card, Stock Round-Ups will round up your purchase to the nearest dollar and automatically invest the spare change in a matching stock or a custom stock of your choice.

For example, if you spend $10.20, we’ll automatically round up the purchase by $0.80. That $0.80 will be invested in a matching stock or your chosen custom stock. You can turn this tool on from the Stock-Back® screen—and pause or resume at any time.

To add your card to your digital wallet on your Apple, Samsung, or Google device, check out your device’s wallet for platform-specific instructions.

Smart devices have powerful security features that should be turned on if something happens to them.

If your device is lost or stolen, your first step should be to view a device-specific guide on ways to find or secure your device remotely:

• Visit the Apple support site for Apple Pay
• Visit the Google support site for Google Pay
• Visit the Samsung support site for Samsung Pay

If your device is unable to be locked, immediately report your Stock-Back® Card (your debit card) stolen or lost on the web.

This freezes your account and makes sure we can get another card to you as soon as possible.

Learn how to lock your card in the How do I lock and unlock my Stock-Back® Card? section of this guide.

Follow these steps to locate an in-network ATM:

• Use this link to go to your banking screen.
• Tap the gear icon in the upper-right corner.
• Tap Move Money.
• In the “Move money out“ section, Tap Find fee-free ATMs²

The out-of-network ATM fee is $2.50 plus any fee assessed by the owner of the ATM you’re using.

The out-of-network balance inquiry fee is $0.50.

Certain purchases (hotels, car rentals, gas stations, etc.) require pre-authorization and may temporarily hold money from your card balance that could be greater than the actual purchase amount.

This is a temporary hold, and after your purchase is processed and settled, the extra funds on hold will be released and your balance will be adjusted.

For example: You swipe your Stock-Back® Card at the pump and spend $50 on gas. The gas station places a temporary hold of $100 on your card. Once the payment is processed, and the hold is released, the transaction settles for $50. The remaining $50 that was held will be released back into your account.

If the hold has been released and you were still charged an incorrect amount, please open a dispute with us so we can get to the bottom of it.

Your Stock-Back® Card (debit card) transaction could be declined for several reasons, such as insufficient funds in your account to cover the transaction, or if the activity is outside of your normal spending patterns.

We understand the importance of knowing what’s going on with your money. If you see something that doesn’t look right, you can dispute a charge directly from the app or web 24/7.

Notes:

• Please dispute your charge in the app or on the web.
• A dispute can only be filed on a banking transaction that shows completed (not pending), and does not have a dispute already filed on it.
  • If your transaction shows as pending or otherwise is not completed, you must wait until the transaction is completed to dispute your charge.
• Your debit card will be deactivated and a new one will be sent to you if the transaction is an unauthorized transaction.

Please have the following information ready to help speed up the dispute process:

• Why you believe there is an error
• The dollar amount involved
• The date of when the error took place