Instant Financial

Only available at employers offering Instant.

For verified employees who are paid by Instant, the Instant Financial app gives you daily access to your earned wages and/or tips for free. Your employer must offer Instant as a pay disbursement option in order to receive your pay on Instant.

Connect your Instant card with your Instant account to receive your wages and/or tips, make in-store and online purchases, and withdraw cash from ATMs. Use the Instant app to receive important notifications, claim Instant Pay offers, check your real-time balance and view your recent activity, find the nearest ATM for free cash withdrawals, and transfer your money to another bank account.

Instant puts you in control over how you get paid.

GETTING STARTED

1. Create an Instant account with your email address and password

2. Enter your personal information for verification purposes

3. Connect the Instant card you received from your manager by scanning the barcode to the right of your Instant card on your welcome letter (the paper your card was glued on)

4. Find your employer and add a job

5. Once you’re verified, you’ll receive your earned wages and/or tips right to your Instant card after your shift

FEATURES & BENEFITS

• Pair a new or replacement Instant card to your Instant account

• Get notified when Instant Pay offers are available

• Get notified when you’ve been paid your Instant Pay, the balance of your Net Pay, or Instant Tips

• Receive your daily wages and/or tips directly to your Instant card and have immediate access to your money

• Check your account balance and review your latest account activity

• Find the nearest ATM for free cash withdrawal across the MoneyPass ATM Network (US) or the Exchange ATM Network (Canada)

• Freeze and unfreeze your card so your money cannot be spent or withdrawn in case your card is lost or stolen

• Transfer money to another bank account - one-time transfers and scheduled recurring transfers

• Receive support via email, chat, or phone call

• Update your personal information in the app

• Pay your bills (in Canada only, US coming soon)

NO USAGE FEES

At Instant, we don’t believe in charging you fees to receive, spend, or access your own hard earned money. We only charge avoidable fees, such as a 90-day account inactivity fee or an off-network ATM withdrawal fee.

For a comprehensive list of fees, please refer to our US Cardholder Agreement (https://www.instant.co/us-cha/) or our Canadian Cardholder Agreement (https://www.instant.co/ca-cardholder-agreement/)

PRE-AUTHORIZATIONS

Please be aware that some merchants, such as gas stations, restaurants, hotels, and car rental agencies, may place a temporary pre-authorization hold to ensure your card is valid and that there are sufficient funds on the card to cover the final amount. Holds are usually removed and released back to your card when the transaction is completed within 5 days or sooner. Some merchants, such as hotels and car rental agencies, have pre-authorization holds that can last up to 45 days.

BANK TRANSFERS

Please be aware that bank transfers made before 1PM ET can take an estimated 1 business day to process and appear in the destination bank account.

Bank transfers made after 1PM ET will take an estimated 2 business days to process and appear in your destination bank account.

Need your money sooner? Visit an ATM to withdraw your cash and deposit it into your bank account the same day.

RESTRICTIONS

Please note, you can only load your Instant card through wages, tips, or reimbursements received from your employer.

SUPPORT

• FAQ: https://instant.zendesk.com/hc/en-us

• Chat Support: Tap on the menu icon, tap on “Help”, and tap on “Chat With Support”

• Phone Support: Call the number on the back of your card

仅适用于提供即时服务的雇主。

对于由Instant支付薪水的经过验证的员工，Instant Financial应用程序使您每天可以免费使用您的工资和/或小费。您的雇主必须提供Instant作为工资支付选项，以便在Instant上收到您的工资。

将您的Instant卡与Instant帐户相连接，以接收工资和/或小费，在店内和在线购物以及从ATM提取现金。使用即时应用程序接收重要通知，索取即时付款优惠，检查您的实时余额并查看您的近期活动，找到离您最近的自动柜员机以提取免费现金，并将您的资金转移到另一个银行帐户。

即时支付使您可以控制自己的付款方式。

入门

1.使用您的电子邮件地址和密码创建一个即时帐户

2.输入您的个人信息以进行验证

3.通过扫描欢迎卡（胶粘在其上的纸）上即时卡右侧的条形码，连接从经理那里收到的即时卡。

4.找到您的雇主并添加工作

5.验证后，您将在轮班后直接将收入的工资和/或提示发送到即时卡中

特点与优势

•将新的或替换的即时卡与您的即时帐户配对

•获得即时薪水优惠时得到通知

•在收到即时薪水，净薪金余额或即时提示时收到通知

•直接通过即时卡接收您的每日工资和/或小费，并可以立即使用您的资金

•检查您的帐户余额并查看您的最新帐户活动

•查找最近的自动柜员机，以便通过MoneyPass ATM网络（美国）或Exchange ATM网络（加拿大）免费取现。

•冻结和解冻您的卡，以防万一您的卡丢失或被盗，您的钱不会被花费或提取。

•转账到另一个银行帐户-一次性转账和定期定期转账

•通过电子邮件，聊天或电话获得支持

•在应用程序中更新您的个人信息

•支付账单（仅在加拿大，美国即将推出）

没有使用费

在Instant上，我们不相信会收取您收取，花费或使用您的来之不易的钱的费用。我们仅收取可避免的费用，例如90天的帐户闲置费或网络外ATM取款费。

有关费用的完整列表，请参阅我们的美国持卡人协议（https://www.instant.co/us-cha/）或我们的加拿大持卡人协议（https://www.instant.co/ca-cardholder-协议/）

预先授权

请注意，一些商家，例如加油站，饭店，酒店和汽车租赁公司，可能会设置临时的预授权暂挂，以确保您的卡有效，并且卡上有足够的资金来支付最终金额。交易通常会在5天或更早的时间内完成保留，然后将其撤消并放回您的卡中。一些商家，例如酒店和汽车租赁公司，拥有可能长达45天的预授权保留。

银行转账

请注意，美国东部时间1PM之前进行的银行转帐可能需要大约1个工作日才能处理，并出现在目标银行帐户中。

美国东部时间下午1点之后进行的银行转帐大约需要2个工作日才能处理，并出现在您的目标银行帐户中。

早点需要钱吗？当天，请访问ATM提取现金并将其存入您的银行帐户。

限制条件

请注意，您只能通过从雇主那里收到的工资，小费或报销来加载Instant卡。

支持

•常见问题解答：https：//instant.zendesk.com/hc/zh-cn

•聊天支持：点击菜单图标，点击“帮助”，然后点击“支持聊天”

•电话支持：拨打卡背面的电话