The Basics
Is Marygold & Co. a bank?
Marygold & Co. is a financial technology company and not a bank. Depository services provided by . Deposits insured by the FDIC up to the allowable limit. is not an affiliate of Marygold & Co. (“Marygold”) and is not responsible for the products and services provided by Marygold.
What is Marygold & Co’s mission?
Our mission at Marygold & Co. is to provide financial peace of mind by changing the way people think about banking. You can open FDIC-insured accounts through our app, providing a digital alternative to traditional banking. Marygold & Co. empowers you to take control of your finances anytime, anywhere with no minimums and no credit checks. We’ve created a new approach that helps you control your money with interest earning money pool savings accounts and automated funding options to save for life’s important milestones.
How does Marygold & Co. make money?
Rather than charging fees to our clients, Marygold & Co. makes money from “interchange”. Every time you use your Marygold & Co. Debit Card, MasterCard processes the transaction and charges an interchange fee for the service. We get a percentage of that interchange fee every time you use your Marygold & Co. Debit Card, which means we never have to charge you unnecessary fees to run our business. Win-win!
Who is eligible for Marygold & Co.?
U.S. Citizens 18 years and older are welcome to apply! While Marygold & Co. Mastercard Debit Cards work all over the world, currently we can only offer accounts to members with a valid US ID.
Does Marygold & Co. charge any fees?
We don’t believe in unnecessary fees. We have no fees to sign up, no overdraft, no monthly or service fees, no minimum balance fees, and no undisclosed transaction fees.
Please note that third-party money transfer services used to deposit or withdraw funds to your Marygold & Co. Spend Now Account may impose their own fees per transaction.
What type of cards does Marygold & Co. offer?
When you open an account through Marygold & Co, you will receive a Marygold & Co. Mastercard Debit Card that can be used at any merchant that accepts Mastercard. Your Marygold & Co. Debit Card can also be used with mobile-payment providers such as Apple Pay and Google Pay; Tap & Pay, and Wearables like Keychains and Bracelets.
When do I receive my Marygold & Co Debit Card after opening an account?
Your Marygold & Co. debit card should arrive between 5-7 business days by mail to the address provided.
If you do not receive your Marygold & Co. debit card within 10 business days after opening your account, please contact our Member Services team at: support@34.75.128.40 or 877-249-8973.
Is there a fee to use the mobile app?
There is no fee to download and access the Marygold & Co app. However, your carrier standard rates may apply.
Can I open more than 1 Marygold & Co. Account?
Individuals can only open 1 account.
What is a Money Pool?
Marygold & Co. offers the ability to create unlimited Savings pools to save for life’s expected and unexpected expenses. These can be customized with a photo, name, goal amount, and date. We want to assist you in any way we can to get to your financial goals as quickly and seemlessly as possible.
Can I pay for something directly from a Money Pool?
Money Pools are created for just that reason…saving. If you decide that it is time to spend that money on what you’ve been saving for (or something else), simply move that money over to your Spend Now Account to start spending.
What does the Split Feature do?
Splitting costs has never been easier! Splitting allows you to divide up a bill or expense however you would like with multiple people. For example, if you are out to dinner with friends and you want to split a bill, you can open the splitting feature, add the participants, and assign amounts to each person! The feature will also track who has paid and who has not. Easy!
Security
What is your security policy?
Our top priority is protecting our members, which is why the Marygold & Co. security team has developed a robust customizable security dashboard within the app to empower our members to take security into their own hands. Marygold & Co. deposits are backed by , Member FDIC, pursuant to license from Mastercard International. We use a EMV chip for the highest security as well as having features like freezing your card. If you notice an unauthorized transaction, you can freeze your card instantly on the Marygold & Co app and/or contact customer support immediately at 877-249-8973.
Are my deposits insured by the FDIC?
Depository services provided by . Deposits insured by the FDIC up to the allowable limit. is not an affiliate of Marygold & Co. (“Marygold”) and is not responsible for the products and services provided by Marygold. The content on this page is for informational or advertising purposes only and is not a substitute for individualized professional advice.
Can you use your Marygold & Co Debit Card in other countries?
You can use your Marygold & Co. debit card anywhere Mastercard Debit Cards are accepted, including outside the U.S. International transactions can be enabled or disabled in the settings menu found in the Marygold & Co mobile banking app.
What to do if I don’t recognize a transaction on my account?
If you do not recognize a transaction, we ask that you temporarily freeze your card:
Log into your Marygold & Co. mobile app, click ‘freeze card’ .
Contact Customer Support immediately by calling 877-249-8973.
Getting Started
Can I get help from a person if I have a question?
At Marygold & Co., we strive to offer the best customer service for our members. Our phone specialists are available 24/7 and can be reached at 877-249-8973 or via email, support@marygoldandco.com
What personal information is needed to open a Marygold & Co account?
Marygold & Co. uses the highest level of security to protect from fraud activity. To open an account, Marygold & Co. will need the following: Selfie for liveness check, US government issued ID, Home address, Date of birth, Social security number, Phone number, and Email address. In some rare cases we may need additional documentation to verify your identity.
Does this impact my credit score?
No. Marygold & Co. does not perform a credit check on individuals applying for an account.
How can I add money to my Marygold and Co account?
Direct deposit is the quickest and simplest way to add funds to your account. Enrolling in direct deposit with Marygold & Co. gives you the option to receive payroll up to 2 days early! Marygold & Co. partners with ClickSWITCH to make direct deposit as seamless as possible.
Marygold & Co. accepts mobile check deposit and electronic transfers from other institutions by linking an external bank account through the mobile app.
Cash deposits can also be made to your account at over 6,000 MoneyPass ATMs. To find an ATM accepting cash near you visit the MoneyPass website: https://www.moneypass.com/atm-locator.html
Can I send money to family and friends who don’t have a Marygold & Co. account?
You can send real-time payments to anyone in the US direct to their email and/or mobile phone number through the Marygold & Co. app for free! To Pay Anyone immediately, simply log into your Marygold & Co. app and select “Move Money” tab on the home page, then select “Pay”. You will then be prompted to enter the receiver’s name, phone number or email, or select from your contacts.
Are there fees for my family and friends to receive the money I send them from the Marygold & Co app?
There are free options for the recipient to receive their funds from you. There are also a variety of channels and expedited options that will have the fees clearly displayed, should they choose one of those options.
What is Marygold & Co’s ATM Network?
We have a network with more than 35,000 ATMs nationwide through our alliance with MoneyPass. To find an ATM near you visit the MoneyPass website: https://www.moneypass.com/atm-locator.html
Can I deposit paper checks with Mobile Check Deposit?
Yes! In the Marygold & Co app, choose ‘Move Money’ and then ‘Deposit a Check’.
How soon will my funds be available after depositing a check?
We have a number of security measures in place to prevent fraud. In most cases, funds are available within 1-4 business days after deposit.
How do I invite friends to join Marygold & Co?
Occasionally, we’ll offer incentives to invite your friends to join. We’ll notify you through email or in the mobile app when a referral offer is available.
How long will it take for a promotional bonus to appear in my account?
The bonus should post to your account 10 business days after you open it. If you do not receive the bonus within 10 business days, please reach out to the Customer Support Email: Support@Marygoldandco.com
Why do I have 2 PINs?
Marygold & Co. members are directed to create 2 different PINs during the signup process: One for your app and one for your card/ATM. Clients are instructed not to use the same 4 digits for both for security purposes.
Where can I see my ATM PIN if I forget it?
Log into your account and navigate to the “account” section in the bottom, right of the app. Tap the 3 dots next to the image of the card. Then scroll down to View ATM PIN. Tap to see your ATM PIN.
Are there any transaction limits?
We have a number of security measures in place to prevent fraud, so it depends on the type of transaction, size of the transaction, and how long your account has been open. To see your current transaction limits, you can navigate to the “account” section in the bottom, right of the app and then tap the 3 dots next to the image of the card. Then scroll down to “Card Limits”. In some cases, we can assist you with increasing your transaction limits. You can contact us at 877-249-8973 for assistance.
Why do you need my Social Security Number (SSN)?
All financial institutions are required by federal law to collect a customer SSN to verify identity when opening an account and supply tax documents when necessary. We have strong privacy practices that secure your personal information.
How do I find my routing and account number so I can link my other accounts to SoFi Money?
Your routing and account numbers can be found in the app by navigating to “Account” in the bottom, right and then tapping on the image of the debit card.
