Alterna® Prepaid Mastercard® - Direct Deposit/ACH

Make Life Easy and Save Money With Direct Deposit of Your Paycheck into Your Alterna® Prepaid Mastercard® Account!

How to Sign-Up for Direct Deposit of Your Payroll Check

You will receive a direct deposit form with your card in the mail or you can download it by logging into or find the form in your AlternaCard App. The routing number and the instructions to obtain your account number are printed on the form. Once you filled out the form, give the form to your employer and begin receiving direct deposit into your Alterna Card account after 1-2 pay periods.

The daily load limit for Direct Deposit is $10,000. The total monthly load limit onto your Alterna Prepaid Mastercard (which includes all types of loads: cash, checks and transfers ) is $15,000, as long as the balance is not higher than $10,000. Therefore, you should always keep track of your balance to avoid having deposit delays.


There Are No Fees for Direct Deposit or ACH!7

Alterna gives you access to your money as soon as the funds are electronically deposited into your card account. Your employer will make those funds available on the day you would have received your paycheck, and it may arrive up to two days earlier.6

You will have all of the benefits of the Alterna Card with the added convenience of recurring automatic electronic deposit every pay period. For non-banked employees, this means not only the convenience of access to funds through the ATM network, but you will also not pay a fee when loading via direct deposit,5 unlike many check cashing stores.

Alterna cardholders who receive electronic direct deposit into their Alterna Card account will receive two WAIVED FEE cash withdrawals per month (at least one electronic direct deposit in the previous calendar month is required to receive the two WAIVED FEE ATM withdrawals).


In order to receive direct deposit to your card account, your card account must be active and in good standing. Also the name associated with the direct deposit must be the same as the name associated with the card account

  1. Receipt of funds is contingent upon connectivity and an approved Card issued by the recipient’s bank.
  2. First National Bank is not affiliated with, nor does it endorse, the recipient’s bank or the card issued by the recipient’s bank.
  3. Third-Party fees, standard text messaging fees, and/or data rate fees may apply.
  4. Any month in which you receive a direct deposit, the monthly fee will be waived the first of the following month. There is a monthly inactivity fee if there is 120 days of inactivity. See Cardholder Agreement for a full list of fees.
  5. While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the Cardholder Agreement for more details.
  6. Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.
  7. See your cardholder agreement for a complete list of fees.