MemberPay Help

Using Your Card

The MemberPay card can be used for purchases in person, online, and over the phone. 

The card may also be used to get cash in local currency at domestic or foreign ATMs if a Personal Identification Number (PIN) has been established online, with the MetaWallet mobile app, or over the phone.

The card may be used everywhere Visa debit cards are accepted worldwide. It can also be used for online and phone purchases or payments. "See Can I use my card in a foreign country?" for details on using the card while traveling abroad.

Yes, but keep in mind many service-oriented merchants automatically hold an additional percentage to cover any gratuity or incidental charges incurred. When using the card at restaurants, it's best to have an available balance that is 20 percent greater than your bill.

Yes, but when using the card at hotels and car rental agencies, check with the merchant to find out how much, if any, they over-authorize their transactions.

Yes, however, an authorization of at least $100 may be placed on the account when you pay at the pump. This authorization may not be removed from the account for several days. To avoid this over-authorization, simply pay for gas inside the service station.

Yes, the MemberPay card can be used domestically or internationally. It is accepted worldwide, excluding current OFAC-sanctioned or prohibited countries. The official list of these countries can be found at Remember, foreign transaction fees may apply when using the card internationally. See Cardholder Agreement for details.

Withdrawing Cash

Cardholders may withdraw funds at no cost by using a MoneyPass® ATM. To find a nearby MoneyPass ATM, click here. Select “Checking” from the withdrawal options.

Some merchants also offer cashback at the point of sale; use the PIN to take advantage of this option. Cash may also be withdrawn at banks or credit unions; transaction fees may apply. Please reference the Cardholder Agreement for the associated fees.

The daily cash withdrawal maximum is $1,000 with three withdrawals per day from an ATM; or $2,500 with three over-the-counter withdrawals per day.

PIN Setup & Use

Log into or the Manage My Card by Pathward app or call the customer service number on the back of the card to setup a PIN. Third-party phone and data fees may apply.

Log into or the Manage My Card by Pathward app. Cardholders may also call the customer service number on the back of the card and follow the automated instructions for changing the PIN. Third-party phone and data fees may apply..

Cardholders can reset a PIN by logging into or the Manage My Card by Pathward app or through the customer service number provided on the back of the card. When prompted, select “2” (for “All Other Calls”), and a customer service representative will verify the cardholder identity to reset the PIN. Third-party phone and data fees may apply.

Loading Funds

There are several reload options available for cardholders.

  • ACH:  Reload your card from your personal bank account via
  • Direct deposit: Retrieve the routing and account number under the “Direct Deposit” tab on the Manage My Card by Pathward app to provide to the employer or funds provider
  • Mobile app check load: Simply snap a photo of the check using the Manage My Card by Pathward mobile app. All checks are subject to approval by Ingo in its sole discretion. Fees and other terms and conditions apply to check load services. Visit for complete details.
  • Western Union locations: Find participating U.S. locations by visiting to load cash
  • Green Dot locations: Find participating U.S. locations by visiting

Funds may be added up to two (2) times per 24 hours, four (4) times per seven (7) days and ten (10) times per 30 days. The MemberPay card is reloadable, up to a maximum of $5,000 per 24 hours. Please note funds can be applied to the primary card only; secondary cards cannot be reloaded. Fees may apply and are disclosed in the Cardholder Agreement.



Managing Your Account

Yes, the Manage My Card by Pathward app is available for download from either the App Store℠ for iOS devices or from the Google Play™ Store for Android devices. Third party phone and data fees may apply

App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

Cardholders can activate a card, manage the account profile for multiple cards, add cards by taking a picture, view card balance and transaction history, setup and change the PIN, setup direct deposit, reload a card or find reload locations, add funds from a check with photo capture, set up email, text and mobile alerts, lock and unlock a card, track spend by category, and utilize the currency conversion tool.

Note: Standard text message rates, fees, charges, and other third-party fees may apply for alerts. Cardholders may withdraw funds at no cost by using a MoneyPass® ATM, but other fees and costs, Terms and Conditions are associated with this card. See Cardholder Agreement for more details.

The address on the account can be updated by calling the customer service number on the back of the card.

Yes, cards may be managed at

Transactions, Authorizations & Declines

View the card balance and a list of all transactions through, the Manage My Card by Pathward app, or customer service number listed on the back of the card. Third party phone and data fees may apply.

Pending transactions are reflected in the available balance but won’t be finalized until posted by the merchant. The amount listed may not be the actual final amount.

When making a purchase in-person, the merchant may have attempted to process the purchase for a greater amount than what is available on the card. If this happens, ask the merchant to split the payment across multiple methods (see "What is a split-tender transaction and how does it work?"). Only the amount loaded on your card can be spent; any amounts beyond that will cause a decline. If the merchant offers a “gift” selection, ensure “gift” was not used instead of “credit” or “debit” to run the transaction (see “How can I use my card?”).

Yes, it’s possible but only if the merchant allows split-tender transactions (see “What is a split-tender transaction and how does it work?”).

When the purchase is for an amount greater than the available balance, the payment must be split across multiple payment methods. Depending on the merchant’s policy, the cardholder can request a split-tender transaction – just use an additional card or alternative payment method to cover the remaining cost of the purchase beyond the card’s balance. There is no guarantee that every merchant will accept two different forms of payment.

The mobile check capture service is provided by Ingo Money. Visit for complete details.



It is a reloadable prepaid card that can be loaded with $10 to $5,000 and used to make purchases at millions of Visa merchants, online or by phone. It can also be used to access cash in local currency at millions of ATMs worldwide. It’s also a travel card with added security, stronger theft protection, and a wide international acceptance.

 Effective September 30, 2022, AAA and Pathward, N.A. have discontinued their relationship. MemberPay Cards are no longer affiliated with AAA and are managed solely by Pathward, N.A. Prior to September, 2022, AAA offered prepaid card products that were issued by Pathward, N.A. 

Since January 1, 2004, Visa regulations have required issuers to label non-credit products such as prepaid cards with the term “debit.” Although the card is labeled “debit,” the cardholder may select “credit” and sign for purchases to indicate the transaction is authorized. If selecting "debit," the cardholder must also use a PIN to complete the transaction.


Secondary & Personalized Cards

At the time of initial purchase only, the cardholder may purchase up to two secondary cards in addition to the primary card. All cards will be tied to the same card account and balance but will have different card numbers. All cards will be fully functional, but if one becomes lost or stolen, that card may be cancelled without impacting the use of the other cards. For that reason, a secondary card can act as an immediate replacement card for any lost or stolen card on the account.

Secondary cards can be used as backup for the primary card, a way to share funds during travel, a tool for household budgeting, or a way to share money with a dependent such as a college student away from home.

Yes, a personalized card will be automatically mailed for the primary accountholder to the address on file after the first reload occurs on the account. The new card will have a new number, and all funds will automatically transfer to the new card once it’s activated. Personalized secondary cards can be requested for a $2.50 fee by calling customer service.

Cardholders must be 16 years or older to purchase an AAA MemberPay Visa Prepaid Card. Secondary cardholders must be 13 years of age or older.



There are a few fees to keep in mind. The Cardholder Agreement that accompanied the card lists the associated fees. For any questions about fees, contact customer service at the number on the back of the card or see the MemberPay Cardholder Agreement.

It is a fee assessed by a financial institution to a consumer who uses an electronic payment card to make a purchase outside the United States. Transactions in U.S. Territories (e.g., Puerto Rico) may be considered foreign transactions, as well as online transactions with a merchant based in another country.


Fraud / Theft

If the card has been lost or stolen, report it by calling customer service at 1-866-261-1971. If outside the United States, collect-call 571-526-3975 from anywhere. A customer service representative will assist in cancelling the lost/stolen card and send a replacement card with the remaining balance within 7-10 business days. There will be a $5.95 fee assessed to the card balance for the replacement card. 

If there are fraudulent or unauthorized transactions on the card account, contact customer service immediately (866-261-1971). The dispute process begins once all required documentation is received and may take from 45 to 90 days to finalize. Pathward abides by the Zero Liability Policy provided by Visa, which you may access at Visa stipulates that the Zero Liability does not apply to ATM transactions.