Help
Frequently Asked Questions
Getting Started
Who can open an AMPD account?
AMPD accounts are available to U.S. residents who are at least 18 years old with a valid Social Security number and government-issued identification. Additional eligibility requirements may apply.
How long does sign-up take?
Opening an AMPD account typically takes just a few minutes. Most applicants receive a decision shortly after completing identity verification.
Do I need a credit score to join?
No. A credit score is not required to open an AMPD account.
Is there a minimum deposit?
No. There is no minimum deposit required to open your account.
Is AMPD a bank?
AMPD is not a bank, it's a financial technology company. Banking services are provided by Cross River Bank (CRB), Member FDIC. Deposits are insured up to applicable FDIC limits.
Cashback
How does cashback work?
When you use your AMPD Visa® debit card for qualifying purchases, you earn cashback rewards in the form of AMPD Bucks. Rewards are automatically tracked within your account.
How fast do rewards appear?
Rewards typically appear after the transaction settles, usually within 24–72 hours.
Are all purchases eligible for cashback?
Most everyday purchases qualify. Certain transactions such as ATM withdrawals, cash advances, peer-to-peer transfers, and restricted merchant categories may not be eligible.
Is there a limit to how much cashback I can earn?
Cashback limits may vary depending on your membership tier. Higher tiers may offer enhanced earning potential.
How do I track my rewards?
You can view pending and earned rewards directly within the AMPD mobile app.
Account & Payments
Does AMPD offer traditional banking features?
Yes. AMPD offers traditional banking features including checking accounts, debit cards, direct deposit, ACH transfers, mobile wallet compatibility, and online account management.
Can I set up direct deposit?
Yes. You can set up direct deposit for payroll, government benefits, or tax refunds using your AMPD routing and account number provided through Cross River Bank.
Do you offer early direct deposit?
Eligible direct deposits may arrive up to two days early, depending on when the payer submits payment instructions.
Can I transfer money to other apps like Cash App or Venmo?
Yes. You can link your AMPD account to most third-party payment platforms that support ACH bank transfers.
Are there overdraft fees?
AMPD does not charge traditional overdraft fees. Transactions may be declined if sufficient funds are not available.
Fees & Limits
Are there monthly fees?
Monthly fees depend on your selected membership tier. Some tiers may have no monthly fee, while premium tiers may include additional benefits.
Are there ATM fees?
In-network ATM withdrawals may be free. Out-of-network ATM operators may charge a fee. Please refer to your account agreement for full details.
Are there spending limits?
For security purposes, daily spending and withdrawal limits apply. Limits may vary based on account type and membership tier.
Security
Is my money safe?
Yes. Funds are held at Cross River Bank (CRB), Member FDIC, and are insured up to applicable FDIC limits. AMPD uses bank-level encryption and fraud monitoring systems to protect your account.
What if my card is lost or stolen?
You can instantly freeze or lock your card within the AMPD app. Contact customer support to request a replacement card.
How do I contact support?
You can contact AMPD support directly through the mobile app or through the Contact page on our website.
