Whether you have questions about your smiONE™ Card or need account support, live agents are always standing by.
Learn more about how to use your card and manage your account.
smiONE partners with state and local government agencies to give you fast, easy, and secure access to your funds on the smiONE Card. You can add other funds with direct deposit or mobile check load¹, withdraw cash, transfer funds to authorized users, and make purchases in stores and online wherever Visa debit cards are accepted.
Once funds are added to your card account, you can use your card to make purchases anywhere Visa® debit cards are accepted, including grocery stores, retail stores, restaurants, and pharmacies. You can also get cash back with approved purchases at participating merchants and withdraw cash at ATMs¹, banks, or credit unions. The amounts of purchases or cash withdrawals are automatically deducted from the available balance on your card.
If you’ve been approved to receive payments by one of our state or local government agency partners, then you can choose to get your funds on the smiONE Card. Contact your agency directly for more information on how to get started or for questions about the status of your benefits claim.
No, you don’t need an existing bank account.
You can activate your card and create a Personal Identification Number (PIN) on the smiONE mobile app or website. If you’re a new user, you’ll also be prompted to register your account.
We believe in keeping fees simple. Checking your balance is always free on the app or online. For a complete list of fees, please check your Cardholder Agreement. A copy will also be mailed to you with your card, so be sure to keep it handy.
Your deposits are FDIC insured through our partner The Bancorp Bank, N.A., Member FDIC.
Keeping you safe is important to us. The smiONE Card uses advanced chip technology to generate a one-time code for each transaction you make, ensuring that your money stays secure. Additionally, our powerful Fraud Engine works around the clock to prevent unauthorized transactions before they happen.
If your card is lost or stolen, you may be protected by the Visa Zero Liability Policy. Please refer to your Cardholder Agreement for complete details. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations, and other details, please consult your issuer.
Use your card everywhere Visa debit cards are accepted – in stores, online, and by phone. Get cash back with approved purchases and withdraw money from the ATM.¹
If you have a Google Pay, Apple Pay, or Samsung Pay mobile wallet² ³, you can add your smiONE Card to it for a fast, secure checkout.
Some smiONE cards feature a contactless option that lets you “tap to pay” at participating merchants. Simply look for the Contactless Symbol at checkout – fast, easy, no PIN entry required.
You can order a replacement card online, on the app, or by calling us 24/7. Standard card shipping is free in some programs, so check your Cardholder Agreement for details. A fee always applies for expedited shipping.
Cards replaced via standard mail will arrive within seven (7) to ten (10) calendar days after your order is placed. If you choose expedited shipping for a fee, your card will arrive via UPS within three (3) to five (5) business days.
Your card will arrive in a plain, white, windowed envelope.
Yes. Use our free direct deposit service to have your paycheck, tax refund, unemployment benefits, or other regular payment automatically loaded to your smiONE card account. To get started, download your direct deposit form and submit it to your payer.
If available in your program, you can also deposit checks on the go from the mobile banking app. To get started, log on to the app, navigate to the Deposit menu, and choose Deposit Checks.
Please note that direct deposit and mobile check load are only available to primary cardholders of an smiONE card account. Secondary cardholders are not eligible. See your Cardholder Agreement for complete details.
A tax refund may only be direct deposited into an account that is in your name. This means that if you file a joint return, the name of the primary filer must match the name on the account. If a tax refund is directed to an account that is not in your name, it may be rejected and returned to the IRS. See the following link for details on limitations and other information pertaining to tax refunds at https://www.irs.gov/refunds/direct-deposit-limits.
If mobile check load is available in your program, you can deposit checks on the go using our mobile app. We accept most check types, including personal, payroll, and government checks.
To get started, log on to the app, navigate to the Deposit menu, and choose Deposit Checks. Your check will be reviewed by our partner Ingo® Money, and a third-party fee will be deducted from the check amount if you choose to receive your money within minutes. There is no fee to receive your funds within 10 days. Please refer to your Cardholder Agreement for details.
Please note that mobile check load is only available to primary cardholders of an smiONE card account in certain programs. Secondary cardholders are not eligible. See your Cardholder Agreement for complete details.
To locate the routing number and account number, click the Deposit menu on the app or Online Account Center.
Yes. You can use the smiONE mobile app to check your account balance, enroll in and manage alerts, view your transaction history, pay bills⁴, transfer funds to authorized users, and find an ATM near you. Search for “Platinum smiONE” in the App Store or Google Play.
Check your balance for free anytime online or on the app. Fees may apply if you check your balance at an ATM, including third-party ATM operator fees.
The easiest way to monitor activity on your smiONE Card is to sign up for text or email account alerts. Text ALERTS to 42627 to enroll.
Message and data rates may apply. Message frequency varies. Reply STOP to cancel, reply HELP for help.
To access and print your smiONE statements 24/7 for free, log into the Online Account Center or mobile app.
For questions about your deposit, such as when you will receive the next payment or the amount of a particular deposit, check with your government agency. For all other questions about the smiONE Card, log into the Online Account Center.
If you do not recognize a transaction on your smiONE Card, we strongly recommend that you temporarily suspend your card:
1. Use the mobile app or log on the Online Account Center.
2. Go to Card Settings from the top right of your screen, then click Suspend The Card.
This will immediately prevent new purchases and ATM transactions on your smiONE card account. Then, give us a call right away so we can help minimize any potential losses.