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Phone Terms of Use

These terms of service apply to promotional phone calls you may receive from Opt+®. Please read the Terms of Use carefully before opting in to receive phone calls from Opt+. If you do not wish to be bound by the terms of use, you can choose not to opt in.

  1. By consenting to the Phone Terms of Use, you authorize Opt+ to make telemarketing calls and deliver sales and marketing automated voice messages to any phone number you provide. This includes authorizing Opt+ to contact you regarding the advertising or telemarketing of products and services.
  2. You certify, warrant and represent that the telephone number you provided to Opt+ is your contact number. Your consent, if provided, will be effective even if the number you have provided is registered on any state or federal Do-Not-Call (DNC) list.
  3. You understand that consent for telemarketing calls shall remain in effect until you revoke it.
  4. You understand that consent is not a condition to apply for or have an account.
  5. You may revoke your consent at any time. By providing consent, you agree that Opt+ and its agents, representatives, or anyone calling on its behalf may contact you on a recorded line. You may revoke your consent to receive phone calls, other than to service your account or collect any amounts you may owe, by calling 1-866-331-3063. After this, you will no longer receive phone calls or automated voice messages from Opt+.
  6. If you have any questions regarding privacy, please refer to the Privacy Policy.

Opt+® is a registered trademark of Attain Finance, LLC

The Program Manager for the Opt+® Prepaid Visa® Debit Card is Attain Finance, LLC

Issuer Statement: The Opt+ Prepaid Visa Debit Card is issued by Axiom Bank, N.A. (Member FDIC) or Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa U.S.A. Inc. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank ©2014. BY USING THIS CARD YOU AGREE TO THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY.

In compliance with the USA PATRIOT Act* and other laws, anyone who is a US resident over 18 with a valid Social Security number and a verifiable physical US address (no PO boxes or APO addresses) can apply for an Opt+ Card. This information must be provided, along with other information pertinent to receiving approval, when applying for a Opt+ Card. Currently, we do not issue the Opt+ Card to residents of Puerto Rico, Guam, the Virgin Islands, American Samoa, or other US territories.

*Important information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a card account. What this means for you: When you open a card account, we will ask for your name, address, date of birth, social security number or country identification number, and other information that will allows us to identify you. We may also request a copy of your driver's license or other documentation bearing your photo as verification of your identity.

1Ingo Money® is a third party service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.

2Timing of direct deposit posting depends on when we get notice from the payor and may vary from deposit period to deposit period.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. Data rates may apply.

Opt+ may make phone calls or deliver SMS text messages to your phone number based on your account settings. To view details, please refer to the Phone Terms of Use and the SMS Terms of Use