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FAQ: Stock-Back® Card

How do I earn Stock-Back® rewards1, 2?

To earn Stock-Back® rewards2, you will need to have a funded Stash Banking account and an active Stock-Back® Card1.

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.

How do I get a Stock-Back® Card?

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.

How do I activate my Stock-Back® Card?

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.

How do I lock and unlock my Stock-Back® Card?

Misplaced your wallet and worry 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.

In the app:
  1. Open this link to view your “Banking” screen.
  2. Tap your card image to flip it over.
  3. Tap the slider next to Lock Card.

To unlock your card, tap the slider again.

On the web:
  1. Open this link to view your “Banking” screen.
  2. Click Manage account.
  3. Click the toggle next to Card unlocked.
  4. Click Lock Card to lock your card.

To unlock your card, click the slider again.

How do I change the PIN for my Stock-Back Card?
In the app:
  1. Open this link to view your “Banking” screen.
  2. Tap the settings gear icon on the upper right-hand corner.
  3. Select Reset Card PIN.
  4. Enter a new 4 digit PIN, then re-enter your new PIN.
On the web:
  1. Open this link to view your “Banking” screen.
  2. Click Manage account.
  3. Click. Reset card PIN.
  4. Enter a new 4 digit PIN, then re-enter your new PIN.

How can I request a replacement card?

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.

Note: Please confirm that your shipping address is correct, as this cannot be changed after the card is ordered.

In the app:
  1. Open this link to view your “Banking” screen.
  2. Tap the image of your card.
  3. Tap Replace Card.
    1. If you haven’t received your card yet, tap I never received my card.
  4. Follow the prompts to replace your card.
On the web:
  1. Open this link to view your “Banking” screen.
  2. Click Manage account.
  3. Scroll down and click Replace Card.
    1. If you haven’t received your card yet, click I never received my card.
  4. Follow the prompts to replace your card.

Can I still use my old card while I’m waiting for my new one?

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.

How do I turn Round-Ups3 on or off?
On the app:
  • Open this link to view your “Banking” screen.
  • Tap Your Stock-Back® Card benefits.
  • Tap Stock Round-Ups.
  • Tap Turn on Round Ups to turn round-ups on; or tap Turn off Round Ups to turn round-ups off.
On the web:
  • Open this link to view your “Banking” screen.
  • Click Your Stock-Back® Card benefits.
  • Click Stock Round-Ups.
  • Click Turn on Round Ups to turn round-ups on; or tap Turn off Round Ups to turn round-ups off.

How do I add my card to the digital wallet on my phone?

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

How does my card work with local ATMs?

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.

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 ATMs.

Why was my card declined?

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.

How do I dispute a transaction?

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
In the app:
  1. Open this link to view your “Banking” screen.
  2. Scroll down to the list of transactions.
    1. Note: Click See all to view more transactions if needed.
  3. Tap the transaction you wish to file a dispute for. This will show you the transaction details.
  4. Scroll down to the bottom of the *Transaction Details* page, click Need help with this transaction?, then tap Dispute Charge.
    1. You will then be routed to the website to complete the dispute.
  5. Answer all applicable questions and provide any additional information you may have to assist us in investigating your dispute. After your dispute is filed, we will send you an email as soon as we have any updates, but no later than 10 business days from the day you filed.
On the web:
  1. Open this link to view your “Banking” screen.
  2. Scroll down to see the list of your transactions.
  3. Click the transaction you wish to file a dispute on. This will show you the transaction details.
  4. Click Need help with this transaction?, then click Continue.
  5. Answer all applicable questions and provide any additional information you may have to assist us in investigating your dispute. After your dispute is filed, we will send you an email as soon as we have any updates, but no later than 10 business days from the day you filed.

DISCLOSURES:

1 Stash Banking services provided by Stride Bank, N.A., Member FDIC. The Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to license from Mastercard International. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Any earned stock rewards will be held in your Stash Invest account. Investment products and services provided by Stash Investments LLC and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

2 All rewards earned through use of the Stash Stock-Back® Debit Mastercard® will be fulfilled by Stash Investments LLC and are subject to Terms and Conditions. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Stash. In order to earn stock in the program, the Stash Stock-Back® Debit Mastercard must be used to make a qualifying purchase. Stock rewards that are paid to participating customers via the Stash Stock Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

3 This Program is subject to terms and conditions. In order to participate, a user must comply with all eligibility requirements and make a qualifying purchase with their Stock-Back® Card. All funds used for this Program will be taken from your Stash Banking account.

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