To activate your card or sign in, please select the image that matches your card.

Unlock the power of Vault

  • Receive pay up to two days earlier.*
  • Use anywhere Visa® debit cards are accepted, including online.
  • Get Offers and Perks from Visa.†
  • Say goodbye to check-cashing fees with electronic pay.
  • Monitor funds in the app or online.

FAQs

What is the Vault card?

The Vault Visa Payroll Card allows you to:

  • receive direct deposit payments from your employer or government benefits
  • avoid check-cashing fees by receiving your wages by direct deposit
  • receive your payroll direct deposit up to two days early*
  • get cash for no fee at thousands of Allpoint® ATMs nationwide††
  • make purchases everywhere Visa debit cards are accepted
  • shop online

How do I add funds to my card?

You may add funds to your card via direct deposit by providing the routing and account number assigned to your card to your employer or benefits provider, receive funds via electronic fund transfer from another financial institution or load cash at thousands of Green Dot® reload locations across the U.S.

Is the Vault card a credit card?

No, the Vault card is not a credit card, and we do not check your credit when applying for the Vault card. The transactions you perform on your card are not reported to any credit reporting agency and will not impact your credit score.§

Can my employer see the transactions I perform on my card?

No, your employer does not have any access to your balance or transaction history. Your Vault card may be loaded with funds from a new or additional employer if you desire. You may also deposit your tax refund and government benefits to your Vault card and receive funds transferred electronically from your bank account.

Is my money insured by the FDIC?

Yes. Your funds on your Vault card are insured by the Federal Deposit Insurance Corporation through The Bancorp Bank, N.A., Member FDIC. The Vault card Program Manager, Paycom Payroll, LLC, is not FDIC-insured. Deposit insurance only protects against failure of The Bancorp Bank, N.A.

Are there places where I cannot use my card?

Yes. Your Vault card may not be used for illegal online gambling or any other illegal transactions. We may also restrict purchases from certain restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity. For more details about restrictions and limits related to your card, see your Cardholder Agreement.

How do I know which card I need to select?

If you have a physical or digital Vault card, please select the option that matches the look of your card. If you do not have your physical card or haven’t downloaded the app yet, please reference the card image in your Vault welcome email.

How do I contact Vault Visa Payroll Card customer service?

For 24/7 customer service or questions related to your Paycom-provided card, call the toll-free Vault Customer Service number corresponding with your card design.

White card: 888.333.4698
Black card: 844.482.8585

The Vault Visa® Payroll Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Visa is a registered trademark of Visa International Service Association. All other marks and logos are the property of Paycom or the respective owners of such marks and logos.

*Early direct deposit availability depends on timing of payor’s payment instructions, and fraud prevention restrictions may apply. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. As such, the availability or timing of early direct deposit may vary from pay period to pay period.

†Offers are made by participating merchants. The Bancorp Bank, N.A., and Paycom are not the sponsors of Offers and Perks and are not responsible for fulfilling orders.

††See app or visit myvaultcard.com or allpointnetwork.com for surcharge-free ATM locations. Fees apply for out-of-network withdrawals. See your Cardholder Agreement for full list of applicable fees for your card. ATM limits apply.

When loading cash, third-party fees, limits and restrictions may apply. See the Cardholder Agreement for more information.

§To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.