How do I access funds in my account?

There are multiple ways to access your funds for free with Instant

  1. Use your card for purchases online or in-store, just like any other credit or debit card, at no cost.
  2. Transfer to an external bank account:
    1. 1-2 day option - 1 free per week (fees may apply for additional usage, review your card agreement for details) - send before 1pm Eastern Time to receive next business day
    2. Real-time option - please review your card agreement for applicable fee amount - expected in your account within 30 minutes
  3. ATM cash withdrawal:
    1. Free access to over 37,000 MoneyPass ATMs in our partner network. find the ATM locator on the MoneyPass website
  4. Cashback at participating merchants at no charge
    1. Instant does not charge for cashback, but confirm with the merchant if they charge for their service.

    An off-network ATM will charge you a fee for using their service, and Instant has no control over this.

    Avoid ATM fees by using a MoneyPass ATM