How Can We Help You?

There are several ways to add money to your account:

• Direct deposit – Setting up direct deposit is free and helps you get your paycheck or government benefits up to two days faster.¹ Learn more here.
• Cash reload at a retailer – You can add cash to your account for free at Target store locations using the barcode reload feature in the Reloadable Target Circle Card app² or at thousands of participating retailers for a fee of up to $3.95 per transaction.³ Learn more here.
• Cash a check – Use the Mobile Check Capture by Ingo^® Money⁴ on the mobile app² to cash a check to your account. Learn more here.
• Transfer from an external account – You may be able to transfer money from an external bank account or money app (like Venmo or PayPal) to your account by initiating a transfer from your external bank account or money app. You are not able to initiate this type of transfer from your Target Circle Card Reloadable Account. We do not charge a fee for this, but the initiating bank or app may charge a fee. Check with them for details on availability, fees they may charge, and timing, as well as instructions for how to complete the transfer. To view your reloadable account and routing number log into your account and select “My Profile”. You can learn more about Mobile Transfers from external accounts here.
• Money request – You can send a request for money to another accountholder. 

No. This site is just for anyone with a Target Circle Card Reloadable Account.

If you have another type of Circle Card, like a credit or debit card, click or tap here to sign into the “Manage my Circle Card" page. 

To set up direct deposit, follow the steps below: 

1. Log in your account and go to Money In.
2. Select Direct Deposit to view your Account and Routing numbers.
3. Print out and complete the Direct Deposit Form and submit it to your employer or benefits provider to process the request. Certain employers may require you to use their own form or process. It may take one or two pay periods before your direct deposit will take effect.

Yes, once you have successfully completed online registration and email verification, including setting up a PIN, you can use your Reloadable Target Circle Card to withdraw cash from ATMs. 

Enjoy free ATM withdrawals at any Allpoint^® ATM located inside of a Target store.⁵ Find your nearest Target store here.

You can withdraw cash at any Allpoint^® ATM located outside of a Target store or at any ATM that accepts Visa debit cards. Allpoint^® ATM locations can be found here. A $2.50 ATM withdrawal fee will apply. ATM operator fees and decline fees may also apply.

Please see the Deposit Account Agreement for a list of all applicable fees.

Certain types of transactions where the full amount is not known at the time of payment come with a preauthorization hold – which means that until the transaction clears, the merchant will hold additional funds to make sure you have enough funds to cover the transaction.

The funds subject to the hold will not be available until the transaction has fully completed or after the hold time expires (typically 7 days but could be up to 30 days with rental car agencies).

These merchants/types of transactions include:

• Paying for gas at the pump
• Travel reservations (hotels, motels, etc.)
• Restaurants
• Rental car agencies
• Cruise lines
• & other similar merchants

When this happens, your available balance may look lower than you were expecting, and it you may wonder if you were overcharged. If the transaction was one of the above or something similar, wait until the transaction clears as it is likely that the merchant has placed a “preauthorization hold” on your account for more than the purchase amount until the transaction has closed out. If after the transaction has cleared, you still feel the amount is more than you were expecting, contact the merchant directly or contact customer service.

When using your card for the above transaction types, there is no way to avoid the preauthorization holds.

For travel and reservation-related transactions, you can avoid having excess funds held on your account by always completing the transaction with the same card you used to make the reservation. If you use your card to make a reservation, but then use a different card to close it out, it could put a hold on your funds for up to 30 days. However, if you use your card for the reservation and to complete the transaction, the hold on your card will be much shorter.

To avoid a preauthorization hold when purchasing gas with your card, be sure to know your balance and always go inside to pay before you pump your gas rather than paying at the pump. This will complete the transaction immediately and additional funds will not be held.

Yes, follow the below steps to add your tax refund to your account and you could receive it up to 5 days early!⁶

1. Ensure the primary name and Social Security Number on your tax return matches the name on your Target Circle Card Reloadable Account
2. In the refund section of the tax return:

• Fill in your Target Circle Card Reloadable Routing Number
• Fill in your Target Circle Card Reloadable Account Number
• Select “Checking” as the type of account

To find your Account and Routing Numbers, log in to your account and click/tap “My Profile.”

Visit targetcirclereloadable.com/tax-refund for more details & FAQs on tax refunds. 

If you need to change the ATM PIN associated with your account, follow the steps below:

1. Log in to your Target Circle Card Reloadable Account and go to My Profile.
2. Select Change ATM PIN, located under the Settings section.
3. Confirm the current ATM PIN associated with your Account.
4. Now choose a new ATM PIN and enter it in the form fields provided. Your new ATM PIN must meet the following requirements:
   • Cannot be the same four numbers, i.e. 1111, 2222, etc.
   • Cannot be four sequential numbers, i.e. 1234, 9876, etc.
   • Cannot be the last four digits of your Social Security Number
   • Cannot be the year you were born
5. Confirm your new ATM PIN and select Save Changes to save your new ATM PIN. The ATM PIN will be updated and you should use this ATM PIN moving forward. 

You can close your account online. Please note: In order to close your account, and all subaccounts, your balance, including all subaccounts and goals, must be $0 and all pending transactions must be cleared. ​

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Follow the steps below to close your account online:​

​1. Log in to your Target Circle™ Card Reloadable Account​

2. Review this checklist to see if you need to take any actions prior to closing your account:​

• Close any subaccounts (see “How do I close a subaccount” FAQ below)​
• Transfer any funds in your goals to your account ​
• Clear or cancel any pending transactions​
• Remove all funds from your account. You must have a $0 balance.​

3. On the home screen, select your main account

4. Click or tap the gear icon​

5. Select Close account​

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You can still log in to your account for up to 90 days after your account is closed to access past statements.​

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If you need additional assistance, please call us at 1-833-840-4332.

Only the Main accountholder can close a subaccount. Please Note: In order to close a subaccount, all pending transactions must be cleared and once you close a subaccount you will not be able to reopen it. When you close a subaccount, the remaining balance will be automatically transferred back into the main account.​

1. Log in to the subaccount​

2. On the Home screen, select the subaccount​

3. Click or tap the gear icon to access Subaccount Settings​

4. Click or tap Close Subaccount​

5. Select Close Subaccount​

6. You will return to the home screen and the subaccount is now permanently closed​

If you need additional assistance, please call us at 1-833-840-4332.​

Present the Visa debit card issued with your Target Circle™ Card Reloadable Account to a teller at a Visa® member bank location and request the amount of cash you’d like to receive. This is known as an over-the-counter (OTC) cash withdrawal.​

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There is a $3.75 per transaction fee to get cash over-the-counter (OTC) at a Visa member bank. OTC withdrawals are available up to the daily withdrawal authorization limits, provided the available balance in your account is greater than or equal to the cash withdrawal amount requested.​

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For more details, please see the Target Circle™ Card Reloadable Account Deposit Account Agreement​

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Getting cash back at a merchant is a convenient way to get cash without having to go to an ATM. If permitted by the merchant, you can use the Visa® debit card issued with your Target Circle™ Card Reloadable Account to get cash back from point of sale (POS) devices when you shop in stores. When making a purchase, tell the cashier or select on the PIN pad the amount of cash back you’d like to receive. The cash back amount will be added to the transaction amount. Select debit and enter your PIN to complete the transaction. The cash back amount will be deducted from your account in addition to the amount of your purchase and the cashier will provide you with the cash.​

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There are no fees to get cash back at point of sale. Cash back at point-of-sale withdrawals are available up to the daily withdrawal authorization limits, provided the available balance in your account is greater than or equal to the cash withdrawal amount requested. Cash withdrawals may also be subject to varying daily limits at the terminal owner’s discretion.

You can use your Reloadable Target Circle™ Card anywhere Visa^® debit cards are accepted. If a merchant provides the option, you can choose either “credit” (no PIN required) or “debit” (provide your PIN).

Online, in store, over the phone or through the mail – how you shop is up to you! When you aren’t making in store purchase, be sure to have your full card number, security code (or CVV) and expiration date. The Visa^® debit card issued with your Target Circle ™ Card Reloadable Account can be used at merchants that accept Visa debit cards. The CVV is a 3-digit code on the back of the card next to the signature strip. The card is good through the “Card Expires” date on the front of the card.

And, when you shop at Target, you'll save an extra 5%⁷ your way, every day. 

Yes. At home or abroad, your card can be used for purchases wherever Visa^® debit cards are accepted internationally, including at international ATMs.

If you return any merchandise purchased with a Target Circle™ Card Reloadable Account, card, Subaccount or Subaccount card, you will be subject to the merchant’s return policies. If the merchant agrees to issue a credit, the funds may take seven (7) days or longer to return to your account or Subaccount.​

If you change your name, you will need to contact Customer Service at 1-833-840-4332 to request your account be updated.

To complete your request, you will be asked to provide one of the following forms of identification:

• Government ID

• Certificate of Name Change

• Marriage Certificate 

• Divorce papers

• Social Security Card

It takes a minimum of 5 days to update the name once documentation is received, at which time a replacement card is issued. The replacement card takes up to 10 business days to arrive within the continental U.S.