True Blue Money

True Blue® Money FAQ


What is the True Blue Money reloadable card?


The True Blue Money reloadable card is a Visa® branded card that allows you to make purchases, withdraw cash and load additional funds. Your True Blue Money card is a general purpose reloadable card, and is not a deposit account.

What are the benefits of having a True Blue Money reloadable card?

  • Load funds for travel spending. This card gives you the flexibility to help budget while traveling or for loading funds for an emergency. Funds can be reloaded directly from your account even while you are away by calling 1-888-822-7333 and requesting a transfer from your Capitol Federal® checking, savings or home equity line of credit account.

  • Household budgeting. You can use multiple True Blue Money cards to help with household budgeting. Reload when necessary for the amount you want. 

  • Shopping online. Dedicate one card for online purchases.

  • Limit student spending. Enjoy the freedom of a Visa card without the worries of overdraft and over-the-limit fees. Load your student card for a predetermined amount and rest easy.
Where can I use my True Blue Money reloadable card?

You can use your True Blue Money reloadable card to make purchases anywhere Visa debit is accepted. You also may use your card at any CapFed® ATM and Visa or PLUS® ATM by entering your personal identification number (P.I.N.).

Is there a minimum balance required for my True Blue Money reloadable card?


There is a $25.00 minimum to open a True Blue Money reloadable card; thereafter it may be withdrawn to a zero ($0.00) balance. For cards with a balance greater than $0.00, no monthly service charge is applied in the calendar month of initial purchase and the next two following calendar months. A $4.00 monthly fee applies thereafter.

Cards that remain inactive for a period of 12 months are subject to closure.

What is the maximum dollar amount I can withdraw from ATMs or Point of Sale terminals?


The lesser of $500.00 or your card balance. Some ATMs may have lower limits.

What is the maximum dollar amount I can transact at a merchant?

The lesser of $2,500.00 or your card balance.

Are there limits on the amount I can load on my card?


Your initial card load must be between $25.00 and $2,500.00. The minimum subsequent fund load must be at least $25.00 and may not exceed $2,500.00. The total balance on your card may not exceed $3,000.00.

How do I load additional funds on my True Blue Money reloadable card?


Funds can be reloaded directly from your account even while you are away by calling 1-888-822-7333 and requesting a transfer from your Capitol Federal checking, savings or home equity line of credit account. You may also add funds to your card at any Capitol Federal branch, Visa ReadyLink location or by using the Ingo™ Money app for check deposits directly to your True Blue Money card. 

My True Blue Money reloadable card includes dollars and cents. How can I get the full amount?


You can check your balance at any time at www.visaprepaidprocessing.com/TrueBlueMoney. In addition to Visa and ATM transactions, you can also access your money by requesting cash back at point-of-sale debit terminals. To access balances to the penny, you can request a specific amount to be charged to your card for a purchase and then pay the remainder with cash or check. 

Will I receive a monthly statement on my True Blue Money reloadable card?


Yes. An electronic statement is available through www.visaprepaidprocessing.com/TrueBlueMoney. Simply sign in using your user ID and password. Paper statements are not available. 

Does my True Blue Money reloadable card include an overdraft limit?


No. You should only utilize your card to get cash or make purchases up to the current balance in your card. Transactions in excess of your balance usually will be rejected. In the event that your True Blue Money card does overdraft, it is possible your card will be closed. 

How do I apply for the True Blue Money reloadable card?

True Blue Money reloadable cards are available at all CapFed branch locations or by calling 1-888-822-7333 (please note that there is a fee for ordering by phone).

How do I activate my True Blue Money reloadable card once I receive it?

Call 1-877-876-4084 or visit www.visaprepaidprocessing.com/TrueBlueMoney and sign in.

Will I receive checks to use on this card?


No. This card is intended for electronic transactions only.

What dollar value is pre-authorized when I use 'pay at the pump' gas pumps?


A $75.00 pre-authorization will be marked up against your available balance. If you purchase less than $75.00, the amount in excess of the purchase will clear once that transaction is posted to your card. If the merchant does not participate in the partial authorization program, you may be denied if your balance is less than $75.00. In this instance, you may pay inside the gas station for an amount available on the card. 

What is my personal identification number (P.I.N.)?


You may establish a P.I.N. by calling 1-877-876-4084 or visiting www.visaprepaidprocessing.com/TrueBlueMoney and logging into your prepaid card account. Your initial log in password is the CVV2 code (three-digit number from the signature panel of your card).

Where can I go to change my personal identification number (P.I.N.) or address?


Simply call 1-877-876-4084, or go to www.visaprepaidprocessing.com/TrueBlueMoney and sign in.

Can I use my True Blue Money reloadable card to pay for online gaming?

No. True Blue Money reloadable cards may only be used for transactions that are legal.

Can I use my True Blue Money reloadable card to pay for purchases over the internet?


Yes. Once your card is activated you may begin making purchases over the internet. To activate your card, go to www.visaprepaidprocessing.com/TrueBlueMoney and sign in.

Why do I have to register my card?

Capitol Federal requires you to register your card to protect your rights if your True Blue Money reloadable card is ever lost or stolen. By registering your card, it makes the process of refunding your money for unauthorized purchases easier. You will want to register your card and provide your address if you wish to use your card for mail orders, telephone orders or internet transactions.

Does my True Blue Money reloadable card affect my credit?


No. Your True Blue Money reloadable card is not tied to your credit in any way. In the event that your card balance becomes negative, appropriate collections actions may be pursued.

What do I do if my True Blue Money reloadable card is lost or stolen?

If your True Blue Money reloadable card is lost or stolen, you can contact 1-877-876-4084 to order a new card and to file a dispute for the purchases you did not authorize. You may also contact the Visa's customer service at 1-866-906-4170.

My True Blue Money reloadable card doesn't have my name on it. Can I really use it?


 Yes. You can still use your card even though your name does not appear on the card. Your identity is verified by a retailer by checking your signature on the back of your card to ensure that it matches the signature on your sales draft. You may obtain a personalized card by completing the card registration at www.visaprepaidprocessing.com/TrueBlueMoney.

My True Blue Money reloadable card doesn't have my name on it. Do I still sign my name when I make purchases?

Yes. Even if your True Blue Money reloadable card says "True Blue Money" instead of your name, you will still sign your name on the sales draft when you make purchases. Make sure you sign the back of your card, so retailers can compare your signature to the one on the back of the card. 

What is the difference between a "pending transaction" and a "posted transaction"?

Pending transactions are authorized transactions, and a hold is placed for the purchase amount on your card. Posted transactions are purchases that have cleared on your card and the funds have been removed. There are some pending transactions that are more or less than the amount you have actually spent. This is because some retailers place a pre-authorization amount on your card for more or less than the total of the purchase. 

Why is my available balance different than my actual balance?


Typically, your available balance is less than your actual balance because your available balance reflects purchases you have made that have been authorized, but not have been charged to your card balance. However, there are some cases, such as when you have returned merchandise, where the available balance will be more than your actual balance. 

Do I have to have an e-mail address to use my True Blue Money reloadable card?

Your e-mail address is helpful if you ever forget your password on the website or if we need to send you other useful information requested by you.

What if I have a remaining balance after the True Blue Money reloadable card expires?


Your True Blue Money reloadable card will automatically expire on the date listed on the front of the card, or if the card has had no activity for a period of 12 months or longer. If you have had activity on the card within 30 days of the expiration date, a new card will be automatically sent to the address on file for your card. If the card has had no activity for a period of 12 months or longer, a check will be mailed to the cardholder for the balance of the account. 

How do I dispute a transaction?

To dispute a transaction, visit www.visaprepaidprocessing.com/TrueBlueMoney and download the dispute form which must be completed, signed and forwarded to Capitol Federal, Attn: Reg. E Resolutions, 700 S Kansas Ave., Topeka, KS 66603 or by fax at 785-231-6364. For card transaction questions, contact Customer Service at 1-877-876-4084.