How do I add money to my Spending Account?

Direct Deposit:

Simply provide your routing and account number to your employer or payroll provider to receive direct deposit to your Spending Account. Your routing number can be found in the Move Money and Settings sections of the app or at ccxx.com. You can also have a direct deposit enrollment form emailed to you from the Move Money section of the mobile app.

We will only post deposits that are sent under your name. All others will be returned to the sender.

Early direct deposit may provide you with access to your paycheck up to two days early. Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically.

Bank Transfer Initiated from App or Website:

You can link an external account you own to your Spending Account by logging into the mobile app or online at ccxx.com. From the app, go to Settings, tap “Link a Bank Account”, choose from one of the banks listed and enter your other bank’s login credentials.

To link an external bank account online, log in to ccxx.com, select Move Money, click the Transfers button and select Transfer Funds. Click the drop-down arrow in the FROM field, then click LINK ANOTHER BANK ACCOUNT and select from one of the banks listed (see below for a list of supported banks). You will then be prompted to enter your other bank’s login credentials.

Once the external account is linked, you can use the mobile app or website to make transfers from the external account to your Spending Account of up to $10,000 per calendar day and $25,000 per calendar month. Transferred funds will be available within 5 business days.

We support the following banks: Chase, Bank of America, Wells Fargo, Citi, US Bank, USAA, Fidelity, PNC Bank, TD Bank, SunTrust, Navy Federal & Charles Schwab. We hope to add others in the near future!

Bank Transfer Initiated from an External Account:

Many banks will allow you to make transfers from their website. If you have an external bank that offers this service, just log in to their website and add your mobile Spending Account using the routing and account numbers you would use for direct deposit.

Mobile Check Deposit:

We will determine if you are eligible for the Mobile Check Deposit feature based on the history of any branded accounts you have, direct deposit history, direct deposit amounts, and other risk-based factors. For example, we offer mobile check deposit to members who have received at least one direct deposit of $1 or more since June 1, 2021* from one of the following sources:

• Employer or payroll provider
• Gig economy payer via automated clearing house (ACH) transfer or Original Credit Transaction (OCT)
• Government benefits

Thirty days after you receive your qualifying direct deposit, Mobile Check Deposit will be automatically enabled in your mobile app. You may receive access to the feature based on other risk-based factors.

*If you already had access to Mobile Check Deposit before June 1, 2021, you can still use the feature even if you haven’t had a qualifying direct deposit since that date.