Direct Deposit & ACH

Make Life Easy and Save Money With Direct Deposit of Your Paycheck into Your Alterna Prepaid Mastercard® Account!

How to Sign-Up for Direct Deposit of Your Payroll Check

You will receive a direct deposit form with your card in the mail or you can download it here. The routing number and the instructions to obtain your account number are printed on the form. Once you filled it out, please give the form to your employer to begin receiving direct deposit into your Alterna Card account after 1-2 pay periods.

Keep in mind that the daily load limit for Direct Deposit is $5,000. The total monthly load limit onto your Alterna Prepaid Mastercard (which includes all types of loads: cash, checks and transfers ) is $9,500. Therefore, you should always keep track of your balance to avoid having deposit delays.


There Are No Fees for Direct Deposit!

Alterna gives you access to your money as soon as the funds are electronically deposited into your card account. Your employer will make those funds available on the day you would have received your paycheck, and it may arrive up to two days earlier.6

You will have all of the benefits of the Alterna card with the added convenience of recurring automatic payroll deposit every pay period. For non-banked employees, this means not only the convenience of immediate1 access to funds through the ATM network, but you will also not pay a fee when loading via direct deposit,5 unlike many check cashing stores.


In order to receive direct deposit to your card account, your card account must be active and in good standing. Also the name associated with the direct deposit must be the same as the name associated with the card account

1 Receipt of funds is contingent upon connectivity and an approved Card issued by the recipient’s bank.
2 MetaBank is not affiliated with, nor does it endorse, the recipient’s bank or the card issued by the recipient’s bank.
3 Third-Party fees, standard text messaging fees, and/or data rate fees may apply.
4 There is a monthly inactivity fee if there is 120 days of inactivity. See Cardholder Agreement for a full list of fees.
5 While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the full Terms and Conditions for more details.
6 Earlier access to funds is based on comparison of traditional banking policies and deposit of paper checks versus deposits made electronically and the additional methods available to access funds via a Card as opposed to a paper check.


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1. Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions, any transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
2. To minimize losses, Cardholder must notify Customer Service promptly of any loss of the card or compromise of the Card Account. Other terms apply. See the Terms and Conditions for details.

How to Refer Family and Friends for the Referral Cards

You must have an Alterna Card to refer family and friends

  1. If you already have an Alterna Card CLICK HERE to login to your account online and follow the instructions on how to refer family and friends for your Referral Card(s).
  2. If you do not already have an Alterna card CLICK HERE to enroll for your Alterna Card and you will then be prompted to refer family and friends for your Referral Card(s).