SmartyPig

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• SmartyPig
  • What is SmartyPig?

    What is SmartyPig?

    SmartyPig is a unique savings program that was designed to help people save for specific goals. Goals may be funded with scheduled recurring contributions from your existing checking or savings account. You can also make one-time additions of money toward your goals and receive contributions from your friends and family members. SmartyPig is unlike your typical savings account!

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    Is SmartyPig a bank?

    SmartyPig is a technological platform designed to help people save for specific savings goals, and is not a bank. However, your funds are held by our banking partner, BBVA Compass, an FDIC insured bank.

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    How Much Can I Really Save With SmartyPig?

    It depends, but using one example: A $2,000 charge on an average credit card will take at least 15 years to pay off, and will cost you $5,400 in principal plus interest if you only make the minimum monthly payments of roughly $30. So, when all is said and done, you would have paid around $5,400 for something that was only supposed to cost you $2,000.
    
    Now, if you save $2,000 with SmartyPig, once you reach your goal, you have $2,000 in your pocket plus interest. Free and clear. Don’t owe a thing. And if you decide to redeem your hard earned funds using a retail gift card like one from Lowes®, Best Buy®, Zales® or Amazon, you can get an additional boost of up to 5% on your money. That’s why we call it Simple, Smart Savings.

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    Are there any hidden fees?

    Opening, funding, and redeeming a goal to your funding source with SmartyPig is absolutely FREE. SmartyPig account holders may also make contributions to other users’ goals or buy SmartyPig gift cards at NO cost if they use their existing SmartyPig funding source. The fee to make a contribution or buy a SmartyPig gift card using a credit card is a flat 2.9%.

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    How much does it cost to open an account with SmartyPig?

    Opening an account on SmartyPig is absolutely free.

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    Who is BBVA Compass?

    BBVA Compass is the 15th largest bank in the United States and the American arm of one of the biggest banks in the world. Your SmartyPig account is a separate account held in your name at BBVA Compass, an FDIC insured bank.

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    Is SmartyPig secure and are my funds safe?

    SmartyPig.com is tested and certified daily to pass the McAfee® SECURE Security Scan. McAfee® is the world’s leading provider of website security services and probes SmartyPig.com daily for known vulnerabilities. SmartyPig.com utilizes the most trusted and secure option for SSL, VeriSign® True 128-bit Extended Validation SSL. This provides the strongest encryption available. SmartyPig also undergoes regular financial and security audits. SmartyPig accounts are held at BBVA Compass and are insured by the FDIC to the full legal maximum. At present FDIC insures everything up to $250,000 per account holder. The legislation authorizing the increase in coverage limits of deposit insurance became effective October 3, 2008, and continues through December 31, 2013.

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    What information about me do you share?

    We do not share customer information with non-affiliated parties who may wish to market their products to you. You do not have to take any action or instruct us to keep your information confidential. We will protect your privacy automatically.

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    What is the privacy policy of SmartyPig?

    SmartyPig is a licensee of the TRUSTe Web Privacy Seal Program. TRUSTe is an independent, non-profit organization whose mission is to build user’s trust and confidence in the Internet by promoting the use of fair information practices. SmartyPig has disclosed its information practices and its privacy practices have been reviewed for compliance by TRUSTe. Please review our Privacy Policy..

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  • My SmartyPig Account Information

    Where are my funds held?

    Your SmartyPig account is a separate account held in your name at BBVA Compass, an FDIC insured bank.

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    Are my funds FDIC Insured?

    Your SmartyPig account is a separate account held in your name at BBVA Compass, an FDIC insured bank. FDIC insurance covers an individual account holder for up to the maximum amount allowed by law in accounts held at BBVA Compass.

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    Can I add a Payable on Death (POD) Beneficiary to my SmartyPig profile?

    Yes, you may add a Payable on Death (POD) Beneficiary to your SmartyPig profile. Only one (1) U.S. Citizen over eighteen (18) years of age is eligible to be a beneficiary on a payable on death account. You may add a POD Beneficiary by going to the "My Profile" page in your SmartyPig profile.

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    Can my child or a minor under my care have a SmartyPig account?

    Anyone can have a SmartyPig account. But for our minor (under 18 years old) customers, a parent or legal guardian must open his or her own account first and then invite the minor to be a limited access user.

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    What is my account number?

    SmartyPig account numbers are encrypted for security reasons. For support and tracking purposes, we refer to accounts by account and goal name. You can only transfer funds into your SmartyPig account via ACH by logging into your account.

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    Will I receive an account statement each month?

    Yes. Each month SmartyPig will generate an eStatement showing your account activity. This will be available for viewing in your SmartyPig profile and can be downloaded in a PDF format. This eStatement can be found in the Account Activity section of your profile.

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    What if my bank or lender requires a Verification of Deposit for my SmartyPig account?

    Monthly eStatements are available for viewing in your SmartyPig profile and can be downloaded in a PDF format. In the event you require a Verification of Deposit other than your eStatement, please contact our Customer Support Department and our banking partner will be able to provide you with this information.

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    Will I get a 1099-INT form for my SmartyPig Savings Account to assist in filing taxes?

    Users earning at least $10 in interest from our banking partner will receive a 1099 INT. 1099's issued from our banking partner, BBVA Compass, will only be available online and will appear in the Account Activity section of your profile by January 31.

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  • Interest

    How is interest determined?

    Average Interest Yield (APY) is determined by our bank partner, BBVA Compass. The APY may be changed without notice.

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    What is the current interest rate?

    To view the current interest rate and and other relevant information, please go to truth-in-savings account.

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    Can I earn more than one interest rate for my SmartyPig account?

    No. For purposes of determining the applicable rate tier for your Savings Account, your daily collected balance shall include the total daily collected balance of ALL of your SmartyPig Savings Accounts. The daily collected balance in each of your SmartyPig Savings Accounts will be added together and your applicable interest rate and APY will be based on the total daily collected balance of all your SmartyPig Savings Accounts. For more information, please go to truth-in-savings account.

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    How is interest paid?

    Interest is configured using a daily accrual method with quarterly postings to a customer’s account. Interest is paid on March 31, June 30, September 30, and December 31.

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    When does interest begin to accrue?

    Interest begins to accrue once the funds have been received by SmartyPig and have posted to your account. This means that SmartyPig has collected the funds and BBVA Compass has full use of said funds. For your security, funds may take up to 2-business banking days to post to your account.

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    If I close my goal before interest is paid, will I still get the interest that I have accrued?

    Yes. You will be paid for all accrued interest up until the day you close your goal.

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    Will I get a 1099-INT form for my SmartyPig Savings Account to assist in filing taxes?

    Users earning at least $10 in interest from our banking partner will receive a 1099 INT. 1099's issued from our banking partner, BBVA Compass, will only be available online and will appear in the Account Activity section of your profile by January 31.

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  • Registration

    What are the requirements to open a SmartyPig Account?

    To open an account, you must be at least 18 years of age and have an existing checking or savings account. You must also be one of the following: 1) U.S. citizen, 2) U.S. permanent resident alien with a green card and social security number or 3) Resident with a social security number.

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    Can my child or a minor under my care have a SmartyPig account?

    Anyone can have a SmartyPig account. But for our minor (under 18 years old) customers, a parent or legal guardian must open his or her own account first and then invite the minor to be a limited access user with view only capabilities.

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    I am receiving a message that my application is pending. How long will this take?

    Online applications requiring further verification by our banking partner, BBVA Compass, are generally reviewed in 2 to 3 business days. Once your application has been verified, you will receive notification via email with your next steps.

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    I am receiving a message that I failed the quiz. I am certain I answered the questions correctly. What happened?

    The identity verification quiz is provided by Equifax, one of the world’s largest online verification services. For the security of our users, SmartyPig does not see the questions or the answers that you are given during the registration process. By failing the quiz, it simply means that Equifax was unable to verify your identity, and this could have been from a number of different reasons other than answering the questions incorrectly. In this event, a form will be mailed to the address you provided during registration. Once you receive the form, simply complete, sign, and mail it back in the pre-stamped return envelope. Then when we receive the completed letter, we will process your application manually.

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  • Logging in to your SmartyPig Profile/Password Reset

    I forgot my username and/or password, what now?

    Follow the steps on SmartyPig.com if you forgot your username. Passwords are case specific and must be at least 8 characters and contain at least one uppercase letter, one lowercase letter and one number. If you forgot your password, click on the “forgot password” link.

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    The temporary password sent to me by SmartyPig won’t work?

    Please try to copy the password from the email and paste it in the password field. Also, be sure there are no spaces before and after the password. If you try typing the password, please make sure all characters are case specific. If you are still having trouble, please contact us at support@smartypig.com.

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    How do I change my temporary password?

    After logging into your profile, please click “My Profile” on the left hand side of your Dashboard. Please select “Security Settings” from the options provided to change your password. Please be sure to save you changes when done.

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  • Starting and Funding a Goal

    What are the minimum and maximum savings goal limits?

    The minimum requirement for a savings goal is $250. The maximum amount for a savings goal is $250,000.

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    What are the minimum and maximum deposit limits?

    A minimum deposit of $25 is required to start and maintain a savings goal. There is a maximum deposit limit of $50,000 in a 24-hour period to any savings goal, including contributions made to other SmartyPig account holders' savings goals. The minimum recurring contribution is $10 and the maximum recurring contribution is $50,000. The minimum one time, non-recurring contribution is $1 and the maximum one time, non-recurring contribution is $50,000.

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    Will my monthly deposit to my goal be automatically reduced if friends and family make contributions to my goal?

    No. SmartyPig will never automatically adjust your monthly contribution. SmartyPig will suggest a new monthly contribution if you edit your goal to reflect any contributions you may have received from friends and family, but you will have to push SAVE for it to actually change the amount of your monthly deposit.

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    How long does it take for my funds to clear or post into my SmartyPig account?

    Credit card transactions take 1 business banking day to clear. ACH transactions take 2 business banking days to post to your account. The earliest a goal can be closed, once all funds are verified, is 5 business days after the most recent transaction has posted to your goal.

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    Do I have the option to put my monthly contribution on hold?

    Once an automatic recurring contribution has been set up, it will continue until you meet or stop your goal. You may, however, change your funding source at anytime, provided you do not have a pending transaction. You may edit your goal to change your funding frequency, and you may void a contribution on the day it was initiated.

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    What if I want to change my goal?

    You can change your goal at anytime up until the point of redemption. To make any changes to your goal, select "Edit Goal" and be sure to SAVE your changes.

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    What if I have insufficient funds or have closed my designated funding source at the time when a recurring monthly contribution is set to occur?

    SmartyPig will attempt to withdraw the funds once. If you have insufficient funds, SmartyPig will not reattempt to withdrawal the funds. Your monthly contribution will continue to draft the following month on the day you specified. For security reasons, we may lock your funding source. If this occurs, you will need to contact SmartyPig customer service to resolve the issue.

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    What if I don’t have a specific savings goal?

    Select the category of “Miscellaneous Savings.” If you want to change it to something specific or change the amount you want to save or change when you want to reach your goal, you can do that up until the point of redemption.

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    Can I make a one-time add money contribution to my goal?

    In addition to your scheduled recurring contributions, you can add money to your goal anytime, up to $50,000 per day, by clicking “Add Money” directly underneath your goal.

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  • Funding Source Verification

    What is funding source verification?

    The funding source verification process is in place to ensure your funding source is compatible with SmartyPig and supports ACH transfers, and to prevent user’s goals from being closed to unknown funding sources. To verify your funding source, SmartyPig will credit your funding source with two small transactions that will immediately be debited out of your funding source and returned to SmartyPig. User’s will then log into their SmartyPig profile and verify the funding source by entering the deposit amounts in the required fields.

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    How do I verify the funding source?

    Once you set up a new funding source, SmartyPig will send two separate transactions to the funding source added. The transactions will arrive in your funding source within 2 business days. Once you have received the deposits, simply log in to your SmartyPig account to verify the funding source. You will have an alert notification display on your dashboard indicating you have an unverified funding source. Simply enter the two deposit amounts you received and click “Verify”.

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    How long does the process take?

    Once you set up a new funding source, SmartyPig will send you two separate transactions. These will arrive in your funding source within 2 business days. Once you have received the deposits, simply log in to your SmartyPig account to verify the funding source.

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    Can I still contribute to my goal while my funding source is unverified?

    Yes, you may contribute to your goal from an unverified funding source.

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    Will my initial deposit and scheduled contributions still take place if my funding source has not been verified?

    Yes. You may still contribute to a goal with an unverified funding source. However, SmartyPig goals cannot be closed if a funding source used to contribute to the goal has not been verified.

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    Can I close my goal if I have an unverified funding source?

    SmartyPig goals cannot be closed if a funding source used to contribute to the goal has not been verified. If you are attempting to close a goal to a verified funding source, but have contributed to the goal using an unverified funding source, the goal cannot be closed until all contributing funding sources have been verified.

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    Can I transfer money to a SmartyPig Cash Rewards Card from an un-verified funding source?

    No. If using a funding source attached to your SmartyPig account, that funding source must be verified before you may use it to transfer money to the SmartyPig Cash Rewards Card.

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    Do all the funding sources used to fund my goal have to be verified before transferring money from the goal to the SmartyPig Cash Rewards Card?

    Yes. Each funding source that was used to fund the goal must have successfully gone through the SmartyPig verification process before any funds from that goal can be transferred to the SmartyPig Cash Rewards Card.

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    What if I don’t receive the deposits?

    Please contact SmartyPig Customer Support to request the verification deposits be resent.

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    Will I receive any fees from SmartyPig or my funding source for this process?

    You will not be charged any fees by SmartyPig for this process. To verify your funding source SmartyPig will credit your funding source with two small transactions that will immediately be debited out of your funding source and returned to SmartyPig. Regulation D limits the number of electronic ACH transfers that can be made from a savings account to six per statement cycle. If your funding source is a savings account, these transactions may be included within Regulation D restrictions. SmartyPig is not responsible for any fees or penalties assessed by your financial institution that may occur by validating this funding source.

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    How many transactions are made?

    To verify your funding source, SmartyPig will credit your funding source with two small transactions that will immediately be debited out of your funding source and returned to SmartyPig. This process is required for each funding source added to your account.

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    Will you take the deposits made to verify my funding source back out?

    Yes. To verify your funding source SmartyPig will credit your funding source with two small transactions that will immediately be debited out of your funding source and returned to SmartyPig.

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    I am receiving an error message that my funding source is now locked – what should I do?

    If your funding source is locked, this is because we were unable to verify your funding source as the transactions were not accepted by your bank. In this circumstance, you will need to contact your funding source in regards to this failed transaction.

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  • Partial Withdrawals, Goal-to-Goal Transfers, Void Transactions

    What if I want to withdraw only part of the funds in my goal?

    SmartyPig does not permit partial withdrawals back to a user’s funding source. Users who have been issued a SmartyPig Cash Rewards Card are allowed one withdrawal per month from each goal to be placed on their debit card. We also offer the option of transferring money between goals in the same savings account. Simply click on the Goal to Goal Transfer link in your goal, and you will be taken through the steps to transfer funds to another goal.

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    Can I transfer funds from one goal to another?

    Yes. Funds may be transferred from one goal to another within the same savings account. Funds that are still pending cannot be transferred, and are not eligible for transfer until 10 business days after the funds have posted to a goal. Funds can be transferred in any amount, however, a minimum balance of $25 is required in each goal. There is a limit of five outgoing transfers per calendar month per goal. Accrued interest cannot be transferred and will remain in the goal where it was earned.

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    How do I void a transaction?

    An ACH transaction can be voided for a limited time on the day in which it was initiated. If your transaction is voidable, you can find the void button under the “Transaction History” tab of your goal. If a scheduled recurring contribution is voided, your recurring contribution will continue to draft as you have specified.

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  • Closing a Goal and Redeeming Your Funds

    Can I stop my goal before it has been reached?

    SmartyPig savings goals may be closed at any time without penalty. You will have the option of receiving your current savings plus interest on a gift card of a retailer partnering with SmartyPig, placing your funds on a SmartyPig Cash Rewards Card, ACH transfer the funds back to your existing checking or savings account, or a combination of all three.

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    How do I close my goal?

    To close your goal, simply click on Close Goal. You will then have the option of receiving your current savings plus interest on a gift card of a best-in-class retailer partnering with SmartyPig, placing your funds on a SmartyPig Cash Rewards Card, ACH transfer the funds back to your existing checking or savings account, or a combination of all three.

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    How can I put my funds back into my bank account?

    SmartyPig offers a reverse ACH redemption option so you can place your funds back into your funding source when you are ready to close your goal. Just simply select the ACH option when you stop your goal.

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    What happens when I reach my goal?

    Once you have met your savings goal your automatic recurring contributions will stop. Your funds will continue to earn interest until you manually close your goal.

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    Why can’t I close my goal?

    Goals cannot be edited or closed if you have a pending transaction. To view your pending transactions, click on Transaction History. The earliest a goal can be closed is 5-business days after the most recent transaction into your goal has posted.

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    When trying to close my goal, I am being told I cannot close my goal until all my funds are verified by my bank. How can this happen when my funds have settled to my goal?

    Goals cannot be closed until 5-business days after the most recent transaction into your goal has posted. The 5 business day wait from the time this transaction posts to your goal is to make sure we do not receive any reversal requests from your funding source, which would generally happen during this time window.

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    Why is my funding source not showing in the list of funding sources I can close my goal to?

    Only funding sources that have made at least one successful transaction into the goal are eligible to have funds returned to it. Even if a funding source has been verified, a successful contribution from the funding source is required into the goal to be eligible to have the goal closed to it.

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    Can I transfer my funds to an existing funding source, like my bank?

    Yes! You may transfer your funds back to your existing checking or savings account at no additional fee. This process takes 2 business days for the funds to post to your bank account. Funds may only be sent back to existing checking or savings account that has successfully funded the goal.

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    If I choose to close my goal and place my funds on a retail gift card, can I divide my savings between multiple retailers?

    Yes. You may elect to close your goal to gift cards from multiple retailers we partner with.

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  • Retailer Gift Cards

    Where can I find a list of SmartyPig's Retailer Gift Card Partners and the incentive rate boosts they offer?

    Specific boosts from each retailer can be found on the Retailer Gift Cards page in the “How It Works” section of our website.

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    How long are retail gift cards valid?

    Please refer to the terms and conditions of each retailer partnering with SmartyPig here.

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    Are there any fees for the Retailer Gift Cards?

    There are no fees associated with closing a goal to a Retailer Gift Card. Users will have the option of free shipping or special shipping at an additional cost.

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    If I choose to close my goal and place my funds on a retail gift card, can I divide my savings between multiple retailers?

    Yes. You may elect to close your goal to gift cards from multiple retailers we partner with.

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  • Sharing Your Goals and Accepting Contributions

    What is a “Shared” savings goal?

    A SmartyPig shared savings goal is one where a customer chooses to let his or her friends and family members see his or her savings goals, and allow them to make contributions. SmartyPig customers can also choose to make their savings goals Private where no one except them or a limited access user can view their goals.

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    What can my friends and family members see if I choose to share my goal?

    That depends on the individual customer. Users have the ability to set up their own sharing page. After logging into your SmartyPig Account, go to the “Sharing” tab on the left hand side of your dashboard and click “Page Settings”. Here you can choose if you want to have a public page, what name you want displayed, the ability to add a personal bio, add your personal webpages to share, select which of your open goals you wish to make public, and what information about your goals you wish to share. No banking or personal information is displayed.

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    How do friends and family find my account if I choose to share it?

    Two ways: First, when you set up your shared savings goal, you can invite as many people as you want via e-mail to view your savings goal. Second, anyone can search for you in the SmartyPig Find Users tab. If you choose to make your account public, friends and family can search for you by entering your contact info. We also have the ability to search for SmartyPig users through Facebook and Twitter.

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    Why can’t my friends and family view my sharing page?

    In order for others to view your public goals and your sharing pages, you must make sure you have enabled your sharing features. To do this, go to the “Sharing” tab on the left hand side of your dashboard and click on “Page Settings”. In the “Enable Sharing” section at the top of the page, please make sure you have selected “On”. You also must make sure you have indicated that you allow others to search for you using your contact information in the “Privacy Settings” on the same page.

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    What if I don’t want to share my goals or allow anyone to view my public page?

    If you do not want anyone to view your public page, go to the “Sharing” tab on the left hand side of your dashboard and click on “Page Settings”. In the “Enable Sharing” section at the top of the page, please make sure you have selected “Off”. You will also want to make sure that you have indicated you do not want to accept contributions for any of your goals which can be done on the “Goal Sharing Settings” on the same page.

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  • Refer a Friend

    What is the Refer a Friend program?

    For each friend you refer who sets up an account and goal with a successful contribution, you will receive the referral reward amount designated by SmartyPig at the time the invitation was sent! Referral rewards are issued by SmartyPig 4-7 business days after your friends first contribution posts to their goal. We will reward you for up to 100 friend referrals.

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    How do I participate in the Refer a Friend program?

    Log into your SmartyPig account and click “Refer a Friend” on the left hand side of your dashboard. Please click “Refer a Friend” where you will be able to invite 5 people at a time. Simply enter their name and email address, confirm the Terms and Conditions of the program, and click “Submit”. Once your referral signs up for an account and creates a goal with a successful transaction, SmartyPig will send you an electronic gift card for the designated referral reward amount at the time of invitation. Referral rewards are issued by SmartyPig 4-7 business days after your friends first contribution posts to their goal.

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    How many people can I refer to SmartyPig through the Refer a Friend program?

    You can invite up to 100 people to become active SmartyPig members.

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    How much can I earn for each referral?

    For each successful referral, you will receive a SmartyPig electronic gift card for the referral reward amount that can be applied to any of your goals. A successful referral means the invitee must successfully register to become a SmartyPig member and create a goal with a cleared deposit that has been verified. Referral rewards are issued by SmartyPig 4-7 business days after your friends first contribution posts to their goal.

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    What is required to happen before I receive a reward for my referral?

    A successful referral means the invitee must successfully register to become a SmartyPig member and create a goal with a cleared deposit that has been verified. Referral rewards are issued by SmartyPig 4-7 business days after your friends first contribution posts to their goal.

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    I sent a referral code to someone, but they haven’t received it?

    Please log into your SmartyPig account, and click on “Refer a Friend” on the left hand side of your dashboard. On your list of referral invitations sent, find the referral and click “Resend Invite”.

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    How can I tell how many referrals I have sent?

    Please log into your SmartyPig account, and click on “Refer a Friend” on the left hand side of your dashboard. On this page you will see have many invites you have remaining that can be sent.

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    How long will it take before I receive my reward for a referral?

    It depends. In order to receive a reward, the invitee must successfully register to become a SmartyPig member and create a goal with a cleared deposit that has been verified. The invitee has 60 days to complete this process. Once all the requirements are met, SmartyPig will send you an electronic gift card for the referral reward amount that can be applied to any of your goals. Referral rewards are issued by SmartyPig 4-7 business days after your friends first contribution posts to their goal.

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    How long do referral invitations and gift cards last?

    Invites to your friends expire after 60 days. SmartyPig electronic gift cards expire after 90 days.

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    How will I receive the reward for a successful referral?

    Once all the requirements for a successful referral are met, SmartyPig will send you an electronic gift card for the referral reward amount that can be applied to any of your goals. Referral rewards are issued by SmartyPig 4-7 business days after your friends first contribution posts to their goal.

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    I successfully referred someone to SmartyPig, but I have yet to receive my reward?

    A successful referral means the invitee must successfully register to become a SmartyPig member and create a goal with a cleared deposit that has been verified. Referral rewards are issued by SmartyPig 4-7 business days after your friends first contribution posts to their goal.

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    I referred a friend to SmartyPig before this program was initiated. Can I still receive a reward for the referral?

    SmartyPig will only credit referrals who register for an account and meet the requirements of the program starting on December 6, 2010. Registrations prior to this are not eligible for Refer a Friend rewards.

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  • Mobile Apps

    What mobile apps is the SmartyPig app available on?

    The SmartyPig app is available on the iPhone and the Android.

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    How do I download the SmartyPig iPhone app onto my iPhone?

    On your iPhone, go to “App Store” and search for SmartyPig. Simply click install and enter your Apple ID password.

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    How do I download the SmartyPig Android app onto my Android?

    On your Android, go to “Android Market”, search for SmartyPig and simply click install.

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    What functions can I perform using the SmartyPig app?

    Users can view their goal details, see their transaction history, void a contribution, add money to an existing goal, do a goal to goal transfer, make contributions to friend’s goals, view messages in your SmartyPig profile, and share messages through Twitter and Facebook.

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    Can I edit my goal from the SmartyPig app?

    Goals may only be edited from your computer and cannot be edited from the SmartyPig application.

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    How do I contribute to a friend’s goal using the SmartyPig app?

    In order to contribute to a friend’s goal using the SmartyPig app, they must first be a friend of yours on SmartyPig. Click on the “Friends” tab on your app, select your friend and the goal you would like to contribute to. All contributions to your friends using the SmartyPig app must be made using an existing funding source attached to your account.

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    How do I share messages through SmartyPig on Twitter and Facebook?

    First you must log-in to your SmartyPig profile using your computer to connect your phone to these sites. To do this, select “Sharing” on your dashboard and choose “Mobile” where you can connect to Facebook and Twitter.

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  • Closing Your SmartyPig Profile

    How do I close my account/profile?

    To close one of your accounts or your profile, please first stop and close any existing goals. Once your goals have been closed, contact SmartyPig customer support at support@smartypig.com and we will be happy to assist you.

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• SmartyPig Cash Rewards Card
  • What is the SmartyPig Cash Rewards Card?

    What is the SmartyPig Cash Rewards Card?

    The SmartyPig Cash Rewards Card gives you the power to make purchases wherever MasterCard debit cards are accepted. The SmartyPig Cash Rewards Card can be used to make online, phone or mail order purchases and it can also be used at ATMs worldwide. If your SmartyPig Cash Rewards Card is ever lost or stolen, unauthorized transactions are protected by the MasterCard Zero Liability Policy. The SmartyPig Cash Rewards Card cannot be used for gambling. The amount of every purchase or ATM withdrawal you make will automatically be deducted from the value on your SmartyPig Cash Rewards Card. When completing a transaction, select "Credit" if you would like to sign for your transaction and "Debit" if you would like to use your PIN.

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    Is the SmartyPig Cash Rewards Card a gift card?

    No, the SmartyPig Cash Rewards Card is a prepaid card.

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    Is the SmartyPig Cash Rewards Card a credit card?

    No. The SmartyPig Cash Rewards Card is not a credit card - it is a prepaid card. To spend money you must first load money onto your SmartyPig Cash Rewards Card account. When you use the SmartyPig Cash Rewards Card, the amount of your purchase is automatically deducted from the loaded balance.

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    Does using my SmartyPig Cash Rewards Card build my credit rating?

    No. Since credit is not granted, your SmartyPig Cash Rewards Card does not build credit history nor does it affect your credit rating.

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    Where can I view the list of retailers participating in the SmartyPig Cash Rewards Card program?

    Please click on the "How It Works" tab and then click on "Retailer Offers". To view the Cash Back Offers available through the SmartyPig Cash Rewards Card please select "Reward Card Offers".

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  • Eligibility

    How do I get a SmartyPig Cash Rewards Card?

    You must be a registered SmartyPig account holder to get a SmartyPig Cash Rewards Card. You may request a card at any time once you have an active SmartyPig account by clicking on “Cash Rewards Card” on the left hand side of your Dashboard. There is a $4.95 fee for the initial card.

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    How old do I have to be to get a SmartyPig Cash Rewards Card?

    You must be at least 18 years old.

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    Can I get a SmartyPig Cash Rewards Card if I am not a U.S. citizen?

    To get a SmartyPig Cash Rewards Card you must be one of the following: 1) U.S. citizen, 2) U.S. permanent resident alien with a green card and social security number or 3) Resident with a social security number.

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    Can I still get approved for a SmartyPig Cash Rewards Card if I have bad credit?

    Yes. We do not perform a credit check when processing your enrollment.

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  • Ordering/Activating the SmartyPig Cash Rewards Card

    How do I order the SmartyPig Cash Rewards Card?

    SmartyPig Cash Rewards Cards can be ordered directly from your SmartyPig profile for existing account holders. To order a card from your SmartyPig profile, please click on “Cash Rewards Card” on the left hand side of your Dashboard. You must load the required initial dollar amount onto the card at the time of ordering. You have two options for initially loading funds to your SmartyPig Cash Rewards Card. You can transfer all or part of a SmartyPig goal to your SmartyPig Cash Rewards Card (1 transfer per goal per month) or you can request funds be transferred from an existing SmartyPig funding source (it can take up to 7 business days for funds to become available on your SmartyPig Cash Rewards Card when transferring funds from a SmartyPig funding source). All funds transferred to the card must come from a verified funding source. If transferring funds to the card from an existing SmartyPig goal, each funding source that has contributed to the goal must be verified (Funding Source Verification Link). You may not transfer funds until 10-business days after they have settled to your SmartyPig goal.

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    How do I activate my SmartyPig Cash Rewards Card after receiving it in the mail?

    You must login to your SmartyPig account to activate your SmartyPig Cash Rewards Card upon receiving your card in the mail. Once in your account go to the “Cash Rewards Card” page to activate your SmartyPig Cash Rewards Card and choose your PIN. Funds loaded onto the card at the time of ordering will be on the card upon activation.

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  • Using the SmartyPig Cash Rewards Card

    Where can I use my SmartyPig Cash Rewards Card?

    The SmartyPig Cash Rewards Card can be used at any location worldwide that accepts MasterCard debit cards. In addition, you can also use your SmartyPig Cash Rewards Card to get cash at most ATMs. Your SmartyPig Cash Rewards Card can also be used to make purchases online, over the phone, or through mail order. Please note that some car rental companies and hotels may not accept your SmartyPig Cash Rewards Card.

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    Can I use my SmartyPig Cash Rewards Card to “pay at the pump”?

    No, your SmartyPig Cash Rewards Card cannot be used to “pay at the pump.” You must present your card to an attendant inside prior to purchase.

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    Can I use my SmartyPig Cash Rewards Card for online purchases?

    Yes, you may use your SmartyPig Cash Rewards Card wherever MasterCard debit cards are accepted. Most websites also ask for your security code (3 digit code on the back of card near signature panel). To earn cash back savings, you MUST start at smartypig.com and log into your profile. On the left hand side of your dashboard, click on the “Cash Back Offers” link located under the “Cash Rewards Card” section.

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    Can I use my SmartyPig Cash Rewards Card at hotels, restaurants or car rentals?

    It depends on the merchant. When you use your SmartyPig Cash Rewards Card at any of these types of merchants or any other service-oriented merchant, it's called a "pre-authorization.” That means the total amount due is unknown. The merchant has the right to authorize more than the transaction amount (i.e. an additional 20% at restaurants for a tip). The merchant also has the right to hold funds on your SmartyPig Cash Rewards Card until the funds have cleared. Once the funds clear, your SmartyPig Cash Rewards Card will reflect the actual purchase price. It can take up to 10 business days for holds to clear. In order to avoid these types of holds, we recommend you call hotels and rental car companies first to inquire about their prepaid card policy.

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    Can I use my SmartyPig Cash Rewards Card at merchants outside of the U.S.?

    Yes, you can use your SmartyPig Cash Rewards Card outside of the US. If you know you will be traveling outside of the US, please call (888) 567-6278 to alert SmartyPig of your travel plans prior to your departure so you do not experience an interruption in service.

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    Can I spend more money than I have on my SmartyPig Cash Rewards Card?

    No, your SmartyPig Cash Rewards Card is not a credit card.

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    Can I transfer funds from my SmartyPig Cash Rewards Card to a SmartyPig funding source or SmartyPig goal?

    No, once funds have been transferred to your SmartyPig Cash Rewards Card they can not be transferred back to a SmartyPig funding source or goal.

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    Can I shop directly at a retailer's website using my SmartyPig Cash Rewards Card and still earn cash back savings?

    No, if you go directly to retailer's website and complete your purchase with a SmartyPig Cash Rewards card, you will not earn cash back savings. To earn cash back savings, you MUST start at smartypig.com and log into your profile. On the left hand side of your dashboard, click on the “Cash Back Offers” link located under the “Cash Rewards Card” section. Then click on the online retailer you wish to make a purchase from in order to earn cash back from that retailer.

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  • International Use

    Can I use my SmartyPig Cash Rewards Card at merchants outside the U.S.?

    Yes, you can use your SmartyPig Cash Rewards Card outside of the US. If you know you will be traveling outside of the US, please call (888) 567-6278 to alert SmartyPig of your travel plans prior to your departure so you do not experience an interruption in service.

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    Do I need to notify SmartyPig if I am going to use my SmartyPig Cash Rewards Card internationally?

    Yes, please contact SmartyPig Customer Service to notify them if you plan to use your card outside of the US. This will help prevent any disruption in service.

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  • Loading Money

    What sources can I use to transfer money to my SmartyPig Cash Rewards Card?

    You have two options for funding your SmartyPig Cash Rewards Card. You can transfer all or part of a SmartyPig goal to your SmartyPig Cash Rewards Card (1 transfer per goal per month) or you can request funds be transferred from an existing SmartyPig funding source (it can take up to 8 business days for funds to become available on your SmartyPig Cash Rewards Card when transferring funds from a SmartyPig funding source). All funds transferred to the card must come from a verified funding source. If transferring funds to the card from an existing SmartyPig goal, each funding source that has contributed to the goal must be verified (Funding Source Verification Link). You may not transfer funds until 10 business days after they have settled to your SmartyPig goal.

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    Can I transfer money to the card from an un-verified funding source?

    No. If using a funding source attached to your SmartyPig account, that funding source must be verified before you may use it to transfer money to the SmartyPig Cash Rewards Card. (Funding Source Verification Link)

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    Do all the funding sources used to fund my goal have to be verified before transferring money from the goal to the SmartyPig Cash Rewards Card?

    Yes. Each funding source that was used to fund the goal must have successfully gone through the SmartyPig verification process before any funds from that goal can be transferred to the SmartyPig Cash Rewards Card. (Funding Source Verification Link)

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    How often can I transfer money from my SmartyPig goal to my SmartyPig Cash Rewards Card?

    You may transfer money from your SmartyPig goal to your SmartyPig Cash Rewards Card one time per calendar month. Any attempt after the first attempt during that calendar month will be declined, unless you are closing the goal.

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    Can I transfer funds to my SmartyPig Cash Rewards Card prior to closing a goal?

    Yes, you may transfer any portion of each SmartyPig goal to your SmartyPig Cash Rewards Card at any time. You do not have to close a goal to transfer funds to your SmartyPig Cash Rewards Card. You may only do a partial transfer of funds one time per calendar month from each goal to your SmartyPig Cash Rewards Card. Each funding source that was used to fund the goal must have successfully gone through the SmartyPig verification process before any funds from that goal can be transferred to the SmartyPig Cash Rewards Card verified (Funding Source Verification Link). You may not transfer funds until 10-business days after they have settled to your SmartyPig goal.

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    How long will it take for my funds to become available on my SmartyPig Cash Rewards Card?

    If you transfer funds from an existing goal (with cleared funds), your funds will be available immediately on your SmartyPig Cash Rewards Card. If you transfer funds from a SmartyPig funding source, your funds will be available on your SmartyPig Cash Rewards Card within 8 business days.

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    How do I know if my money was added to my SmartyPig Cash Rewards Card account?

    To verify funds have been added to your SmartyPig Cash Rewards Card, login to your account and view your transaction history.

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    Can I transfer funds from my SmartyPig Cash Rewards Card to a SmartyPig funding source or SmartyPig goal?

    No, once funds have been transferred to your SmartyPig Cash Rewards Card they can not be transferred back to a SmartyPig funding source or goal.

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  • Viewing Transactions

    How do I check the balance on my SmartyPig Cash Rewards Card account?

    You may check your balance in the following two ways:
    • Logging into your SmartyPig account.
    • At an ATM (charges may apply).

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    What are pending transactions?

    Pending transactions are funds that have been allocated for purchases made with your SmartyPig Cash Rewards Card, but haven't been collected by the merchant. The merchant also has the right to hold funds on your SmartyPig Cash Rewards Card until the funds have cleared. Once the funds clear, your SmartyPig Cash Rewards Card will reflect the actual purchase price. It can take up to 10 business days for holds to clear.

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    My transaction history online shows that a merchant charged me for more than what I authorized. Why?

    Certain merchants, such as restaurants and hotels often obtain authorization amounts for more than the transaction amount. Many restaurants factor in an automatic tip of up to 20% when authorizing card purchases. The merchant also has the right to hold funds on your SmartyPig Cash Rewards Card until the funds have cleared. Once the funds clear, your SmartyPig Cash Rewards Card will reflect the actual purchase price. It can take up to 10 business days for holds to clear. If your restaurant bill plus the estimated tip exceeds the amount on your SmartyPig Cash Rewards Card, it may be declined. Should this situation occur, instruct the cashier to deduct a specific amount from your SmartyPig Cash Rewards Card and use another form of payment for the balance or tip.

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    Why is the dollar amount of pending transactions sometimes different than what I spent?

    Restaurants, hotels and car rental merchants are required to pre-authorize and place a temporarily hold on funds that are greater than the actual purchase amount. The merchant also has the right to hold funds on your SmartyPig Cash Rewards Card until the funds have cleared. Once the funds clear, your SmartyPig Cash Rewards Card will reflect the actual purchase price. It can take up to 10 business days, in some cases 30 days for car rentals, for holds to clear. Keep this in mind when using your SmartyPig Cash Rewards Card at these types of merchants.

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    Why are some transactions not posted to my transaction history immediately?

    It could take 24 to 48 hours for some merchants to charge your SmartyPig Cash Rewards Card. In some cases your SmartyPig Cash Rewards Card will not be charged until the merchandise is available or has shipped. You should review your transaction history often.

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    Why did my online purchase fail when my SmartyPig Cash Rewards Card account had enough funds to cover the purchase?

    If the address you provided to the online merchant is different than the address we have on file for you, your transaction could be declined. Please make sure we have your current address.

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  • PIN

    What is the Personal Identification Number (PIN)?

    The PIN is a 4-digit security feature that is used to get cash at ATMs (select “checking”). You can also use this PIN when making purchases (if you select “debit”) to get cash back. Please remember to keep this PIN safe. Do not keep it in your wallet or write it on your SmartyPig Cash Rewards Card. When you select your PIN, choose a number that you are familiar with so you don’t easily forget it.
    
    You select your PIN when you activate your SmartyPig Cash Rewards Card online within your SmartyPig account.

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    How do I set up my initial PIN?

    You select your initial PIN when you activate your SmartyPig Cash Rewards Card online. When you select your PIN, choose a number that you are familiar with so you don’t easily forget it.

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    How do I change an existing PIN?

    Login to your SmartyPig account to change your PIN at any time by clicking on "Cash Rewards Card" on the left hand side of your Dashboard.

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    What should I do if I forget my PIN?

    If you forget your PIN, please contact SmartyPig Customer Support to have your PIN reset.

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  • ATM Withdrawals

    How do I use my SmartyPig Cash Rewards Card to withdraw cash from an ATM?

    You can use the SmartyPig Cash Rewards Card to obtain cash from any Automated Teller Machine (ATM) with the MasterCard acceptance mark. All ATM transactions are treated as cash withdrawal transactions. You will need to enter your PIN number when prompted and select “checking” to access money. A fee applies to each ATM transaction, in addition to any fees the ATM terminal owner may impose. For a complete list of surcharge free ATMs, please visit All-Point or Compass Bank.

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    How do I find a surcharge free ATM?

    For a complete list of surcharge free ATMs, please visit All-Point or Compass Bank.

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    I tried to do a withdrawal at a surcharge free ATM, but it indicated I would be charged a fee?

    Please make sure you are using an ATM machine with an Allpoint logo. If the surcharge screen appears during your Allpoint ATM transaction, press "yes" to accept the surcharge and proceed with your withdrawal. You will not be charged the surcharge or Allpoint will refund your money.

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    What if my ATM transaction is declined?

    A decline at an ATM could be the result of not having enough funds on your SmartyPig Cash Rewards Card. Always know your balance prior to attempting any transaction.

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    What is the maximum amount I can withdraw from an ATM per day using my Cash Rewards Card?

    The maximum amount that can withdrawn is $400 every 24 hours.

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  • Cash Back Savings

    What is cash back savings?

    With the SmartyPig Cash Rewards Card you can earn up to 10% cash back at more than 9,000 retailers. No need to activate any special offers – just use your Cash Rewards Card as you normally would and if your purchase qualifies, your cash back savings will appear on your Cash Rewards Card within 90 days.

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    Where can I view the list of retailers participating in the SmartyPig Cash Rewards Card program?

    Please click on the "How It Works" tab and then click on "Retailer Offers". To view the Cash Back Offers available through the SmartyPig Cash Rewards Card please select "Reward Card Offers".

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    How do I earn cash back savings?

    Earning cash back savings is easy. Simply use your SmartyPig Cash Rewards Card with a signature (PIN transactions are not eligible for cash back savings) to pay for your purchases when you shop at participating online or local retailers. Participating retailers are listed on the SmartyPig site.

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    Do the Retailer Gift Card cash back offers apply when using a SmartyPig Cash Rewards Card at those retailer locations or websites?

    Retailer Gift Card cash back offerings are only available on Retailer Gift Card purchases. Retailer Gift Card cash back offerings are not affiliated with or available on the SmartyPig Cash Rewards Card.

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    Which purchases are eligible for cash back savings?

    Only signature transactions are eligible for cash back savings. PIN transactions are not eligible.

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    Can I shop directly at a retailer's website using my SmartyPig Cash Rewards Card and still earn cash back savings?

    No, if you go directly to retailer's website and complete your purchase with a SmartyPig Cash Rewards card, you will not earn cash back savings. To earn cash back savings, you MUST start at smartypig.com and log into your profile. On the left hand side of your dashboard, click on the “Cash Back Offers” link located under the “Cash Rewards Card” section. Then click on the online retailer you wish to make a purchase from in order to earn cash back from that retailer.

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    I paid with my SmartyPig Cash Rewards Card, but my cash back savings never posted and it’s been more than 45 days since the transaction. What happened?

    In order to receive cash back savings, you must always sign for the purchase. If you used your SmartyPig Cash Rewards Card with your PIN, your SmartyPig Cash Rewards Card will not be credited.

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    How long does it take to receive my rewards from purchases on my Cash Rewards Card?

    Our cash back partners all operate on different schedules and send us their information at different times. The time it takes for your cash back savings to be deposited into your SmartyPig Cash Rewards Card account depends on when the partner you shop with sends the information to us. Once we receive this information, SmartyPig will credit your Smartypig Cash Rewards Card account. This may take 30-45 business days.

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    How do I receive my cash back savings?

    You can receive your cash back savings into the SmartyPig goal of your choice or have the savings deposited directly to your SmartyPig Cash Rewards Card. If you haven’t designated where you would like your cash back savings to be deposited, they will automatically be placed on your SmartyPig Cash Rewards Card. You can change where you would like your cash back savings to be deposited at any time by clicking “Cash Rewards Card” on the left hand side of your Dashboard.

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    How are the cash back savings I earn affected by returns, exchanges or back orders?

    Adjustments to your cash back savings may take up to 90 days, depending on the retailer and the status of the order.
    
    Returns: Returns will be credited back via the original method of purchase. Adjustments to your SmartyPig Cash Rewards Card cash back savings will happen within 60 days of the return.
    
    Exchanges: Revisions to your SmartyPig Cash Rewards Card will be made on exchanged merchandise as necessary.
    
    Back-ordered items: SmartyPig Cash Rewards Card cash back savings earned on back-ordered items will be processed upon notification from the retailer that the order has been fulfilled.
    
    Please note: The SmartyPig Cash Rewards Card program is only responsible for awarding cash back savings on purchases at participating retailers. All questions about returns, exchanges and back orders of merchandise should be handled directly with the retailer.

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    Do I need to enroll my SmartyPig Cash Rewards Card to be eligible for cash back savings?

    No, you do not need to enroll. Your SmartyPig Cash Rewards card is automatically enrolled.

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    What is the cost to participate?

    The cash back program is free for SmartyPig Cash Rewards Cardholders. You can become a SmartyPig Cash Rewards Cardholder by logging into your SmartyPig profile and clicking on Cash Rewards Card.

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  • Fees

    What are the fees for my SmartyPig Cash Rewards Card account?

    Monthly Maintenance Fee	Free
    Load Funds	Free
    POS and PIN Transactions	Free
    Customer Service	Free
    Email Alerts	Free
    Initial Card Fee	$4.95
    Domestic ATM Fee	$1.95* per withdrawal
    International ATM Fee	$4.95* per withdrawal
    Domestic Balance Inquiry Fee	$0.50* per inquiry
    International Balance Inquiry Fee	$0.95* per inquiry
    Exchange Rate Adjustment	2% of the amount of each foreign transaction
    OTC Fee	$10.00 per withdrawal
    Lost/Stolen Replacement Fee	$9.95 per instance
    Expedited Shipping Fee	$15.00 per instance
    Check Issuance Fee	$15.00 per instance

    * Additional ATM fees may apply by ATM owner. To find a surcharge free ATM near you, please visit All-Point or Compass Bank.

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    Is there a fee to transfer money to my SmartyPig Cash Rewards Card from a SmartyPig goal or a SmartyPig funding source?

    No. There is no charge to move money to your card from a SmartyPig funding source.

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    Will I pay overdraft fees?

    There are no overdraft fees. The SmartyPig Cash Rewards Card is a prepaid card – you can only spend what you have in your SmartyPig Cash Rewards Card.

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  • Minimums and Maximums

    Are there any minimums or maximums to the amount of funds I can load?

    You minimum load limit is $10. The maximum daily load limit is $5,000.

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    What is the maximum amount I can spend per day?

    The maximum amount you can spend per day is $2,500.

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  • Shipping

    How long does it take to get my SmartyPig Cash Rewards Card in the mail?

    Your personalized SmartyPig Cash Rewards Card will arrive in the mail at your home within 10 business days from the date of your request.

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    Can I have my SmartyPig Cash Rewards Card sent to a Post Office (P.O.) Box?

    No, for security purposes the SmartyPig Cash Rewards Card can only be mailed to a verifiable physical U.S. street address.

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    Can I get expedited shipping for my personalized SmartyPig Cash Rewards Card?

    Expedited shipping is available only for replacement cards and not initial cards. The fee for expedited shipping for replacement cards is $24.95 ($9.95 Lost/Stolen Replacement Fee + $15.00 Expedited Shipping Fee).

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  • Purchase Returns

    What happens when I return merchandise?

    Internet, phone and store merchants credit your returns back to your SmartyPig Cash Rewards Card account as they would any other MasterCard purchase.

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    How are the cash back savings I earn affected by returns, exchanges or back orders?

    Adjustments to your cash back savings may take up to 90 days, depending on the retailer and the status of the order.
    
    Returns: Returns will be credited back via the original method of purchase. Adjustments to your SmartyPig Cash Rewards Card cash back savings will happen within 60 days of the return.
    
    Exchanges: Revisions to your SmartyPig Cash Rewards Card will be made on exchanged merchandise as necessary.
    
    Back-ordered items: SmartyPig Cash Rewards Card cash back savings earned on back-ordered items will be processed upon notification from the retailer that the order has been fulfilled.
    
    Please note: The SmartyPig Cash Rewards Card program is only responsible for awarding cash back savings on purchases at participating retailers. All questions about returns, exchanges and back orders of merchandise should be handled directly with the retailer.

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  • Transaction Discrepancies

    How do I dispute a transaction on my SmartyPig Cash Rewards Card?

    If you think an error has occurred on your SmartyPig Cash Rewards Card, please contact our Customer Support Team so we can assist you further.

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  • Blocked/Expired Cards

    What if my SmartyPig Cash Rewards Card account becomes blocked?

    If your SmartyPig Cash Rewards Card account becomes blocked and you are unable to use it, please call (888) 567-6278 immediately.

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    Why would my account become blocked?

    There are a variety of reasons why your SmartyPig Cash Rewards Card account could become blocked. Please call (888) 567-6278 immediately to determine the cause of the block.

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    When does my SmartyPig Cash Rewards Card account expire?

    Your SmartyPig Cash Rewards Card expires on the expiration date printed on the front of your SmartyPig Cash Rewards Card. If your SmartyPig Cash Rewards Card has a balance when the expiration date is reached, you will be mailed a new card and the remaining funds will be added to your new card account. Please make sure that you check your contact information regularly so that we can deliver your SmartyPig Cash Rewards Card to the correct address. If your SmartyPig Cash Rewards Card account has a zero balance at expiration it cannot be renewed or reloaded.

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    Will I receive a new SmartyPig Cash Rewards Card when my current card expires?

    If your SmartyPig Cash Rewards Card has a balance and there has been activity on your SmartyPig Cash Rewards Card account in the last 90 days, we will automatically send you a new SmartyPig Cash Rewards Card prior to its expiration.

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  • Lost/Stolen Cards

    What happens if my SmartyPig Cash Rewards Card is lost or stolen?

    Tell us AT ONCE if you believe your SmartyPig Cash Rewards Card or PIN has been lost or stolen. Telephoning is the best way of notifying us. You will not lose any part of the money on your SmartyPig Cash Rewards Card based on unauthorized use if you have exercised reasonable care in safeguarding your SmartyPig Cash Rewards Card and PIN from risk of loss or theft. However, if these conditions are NOT met, you could lose the lesser of $50 or the amount of unauthorized use from your SmartyPig Cash Rewards Card before you notify us that your SmartyPig Cash Rewards Card has been lost or stolen. If you believe your SmartyPig Cash Rewards Card or PIN has been lost or stolen call (888) 567-6278. After you cancel your SmartyPig Cash Rewards Card, a replacement card with the remaining balance minus a $9.95 Lost/Stolen Replacement Fee will be mailed to you.

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  • Card Cancellations

    How do I cancel my SmartyPig Cash Rewards Card?

    Call (888) 567-6278 to speak with a Customer Service agent to cancel your SmartyPig Cash Rewards Card. If you have funds on your card at the time of cancellation, you will receive a check with the remaining funds minus a $15.00 Check Issuance Fee to the address we have on file within 2-3 weeks.

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