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Everyday Spend Prepaid Debit Card, from CUMONEY®

The convenience of a debit card, with spending control built right in. Load the card with the amount you want, spend only the amount you have. Use worldwide wherever Visa® cards are accepted.

Perfect for:

  • College students, travelers and the budget-conscious spender
  • Those that wish to avoid overdrawn accounts and overdraft fees

It's safe:

  • Not linked to any checking account—there's no risk if lost or stolen
  • Safer than carrying cash

Every card includes:

  • Online account management tool to track spending
  • CUMONEY mobile app
  • Online bill pay
  • Easy reload of funds in branch or online from a Heritage checking or savings account, at any Visa ReadyLink location (retailer may apply a reload fee) or with direct deposit

Get a card! Contact your local branch to order >
Have a card? Check your balance and load funds at


How do I activate my CUMONEY card?

To activate your card, call the CUMONEY Voice Response Unit (VRU) 877-850-9650, and a temporary PIN will be assigned to you (the last 4-digits of your phone number). Follow the prompts to change your PIN and activate your card.

How can I view my account and statement information online?

Log in to with your card number and PIN or download the CUMONEY mobile app.

How can I change my PIN?

You may change your PIN at any time. Simply call the VRU and follow the prompts or log into and select Change PIN. You will be required to enter your old PIN before selecting a new PIN.

Are there limits to how much I can load on my card?

The minimum load amount per instance is $10, with a maximum load amount of $5,000. Maximum daily load limits are $5,000 at a branch and $2,500 online.

How do I add funds?

  • In person
  • Stop in at any Heritage branch or Visa ReadyLink location
  • Online at or with the mobile app, if you are transferring from a Heritage account (a 3-day hold is placed on funds transferred online)

Are there fees? Can I avoid them?

There are some fees associated with a CUMONEY Everyday Spend card. If there's a way to get around them, we've noted it below.

  • $4 for a new card
  • $1.75 monthly maintenance fee
  • $.50 per reload 
  • 1% surcharge for foreign currency exchange
Fees and how to avoid them

Avoidable Fee

Avoid By

$1.50 per ATM withdrawal

Getting cash at point-of-sale (merchant)

$0.50 per denied transaction at an ATM or point-of-sale (merchant)

Checking the balance at an ATM or online

$0.50 for each VRU call over 4 per month

Using the website or mobile app

$5.00 for each in-person service call

Using the website or mobile app

$15.00 to close out your account and receive remaining funds by check

Using the whole balance before closing the card

$3.00 inactivity fee if card is not used over a 3-month period

Using it regularly

$5.00 per replacement card

Keeping your card in a safe place

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