smiONE™ Circle Visa® Prepaid Card

Getting Started

What is smiONE?

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 funds with direct deposit or mobile check load, withdraw cash, transfer funds to authorized users, and make purchases in stores and online wherever Visa debit cards are accepted.

The smiONE mobile app is available on Android and iOS.

How does the smiONE Circle Card work?

The smiONE Circle Card lets you sign up for direct deposit to receive your IHSS payments, paycheck, or other regular payment on your smiONE Card.

Use your smiONE 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 ATMs, banks, or credit unions. The amounts of purchases or cash withdrawals are automatically deducted from the available balance on your card.

How do I get an smiONE Circle Card?

If you’ve been approved to receive in-home supportive services by the State of California, then you can choose to get your funds on the smiONE Circle Card. Enroll now.

Do I need an existing bank account to get an smiONE Card?

No, you don’t need an existing bank account.

How do I activate my card?

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.

Does smiONE charge any fees?

We believe in keeping fees easy and transparent. Check out the complete Fee Schedule here.

Are my funds insured by the FDIC?

Your funds are FDIC insured through our partner The Bancorp Bank, N.A., Member FDIC.

Is the smiONE Card secure?

Keeping you safe is top priority. The smiONE Card features advanced chip technology that generates an encrypted one-time code for each transaction you make, ensuring that your money stays secure. Our powerful fraud engine also 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.

When will my smiONE Circle Card arrive?

Once approved, we’ll immediately mail you a card. It should arrive within seven (7) to ten (10) calendar days. Be on the lookout for a plain, white, windowed envelope.

How long does it take to be approved?

Once you submit your enrollment application, we'll let you know if you're approved within a few minutes.

Using My Card

Where can I use my card?

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. There is no fee to withdraw cash or check your balance at MoneyPass® ATMs, but a third-party ATM operator fee may apply.

Can I add my smiONE Card to my mobile wallet?

If you have a Google Pay or Apple Pay³ mobile wallet, you can add your smiONE Card to make mobile payments where accepted.

What are contactless payments?

The smiONE Circle Card features 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.

Managing My Account

Can I manage my account with my smartphone?

Yes. You can use the smiONE Mobile Banking app to check your account balance, enroll in and manage alerts, view your transaction history, pay bills, transfer funds to authorized users, and find an in-network ATM near you. Search for “Platinum smiONE” in the App Store or Google Play.

How do I check my balance?

Check your balance for free anytime online or on the app. Balance inquiries at MoneyPass ATMs are fee-free; third-party ATM operator fees may apply.

How can I keep track of my available funds and other activity?

The best way to monitor activity on your smiONE Card is to sign up for text or email account alerts. Text ALERTS to 42627 or log on to the mobile app or website to get started. Reply HELP for help, reply STOP to unsubscribe. Standard msg. & data rates may apply.

How do I view my monthly statement?

To view and print your smiONE statements 24/7, log on to the Online Account Center or mobile app.

Who do I contact if I have questions about my card?

For questions about your deposit, such as when you will receive your next payment or the amount of a particular deposit, check with your government agency. For all other questions about the smiONE Card, log on to the Online Account Center.

What should I do if I don’t recognize a transaction?

If you do not recognize a transaction on your smiONE card, we strongly recommend that you temporarily suspend your card:

1. Use the Platinum smiONE mobile app or log in to your account at https://cardholderweb.smionecard.com/.
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.

Replacing My Card

What happens if my card gets lost or stolen?

You can order a replacement card online, on the app, or by calling us 24/7. Standard card shipping is free, but a $15.00 fee applies for expedited shipping.

How long does it take to receive a replacement card?

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 $15.00 fee, your card will arrive via UPS within three (3) to five (5) business days.

Deposits & Withdrawals

Can I add other funds to my smiONE Card?

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.

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.

Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & Conditions and Privacy Policy. Approval review usually takes 3-5 minutes, but may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Unapproved checks will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding or if you otherwise act illegally or fraudulently. Fees may apply for loading or use of your card. See your Cardholder Agreement for details.

How can I deposit checks?

You can 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. 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.

Mobile check load is only available to primary cardholders of an smiONE card account. Secondary cardholders are not eligible. See your Cardholder Agreement for complete details.

How can I find my card's routing and account numbers?

To locate the routing number and account number, click the Deposit menu on the app or Online Account Center.

How can I withdraw funds at the ATM?

Use your smiONE Card at the ATM to withdraw cash. We don’t charge a fee to withdraw cash at any MoneyPass ATM, but there is a $2.50 fee at any non-MoneyPass ATM. Third-party ATM operator fees may apply, even if you do not complete a transaction.

California ihss card

Welcome, IHSS Providers.

Features

Features & Benefits

Contactless Cards

Savings

Mobile Check Load

Simple Fees

Advanced Security

24/7 Live Support

Add Money to Your smiONE Card

Direct Deposit

Tax Refunds

Cash Loads

Card-to-Card Transfers

Stay Safe

How We’re Fighting Fraud

Frequently Asked Questions

Getting Started

Using My Card

Managing My Account

Replacing My Card

Deposits & Withdrawals

Ready to get started?