Mobile App

You can receive text message and/or email alerts to stay informed about your account activity. You can receive alerts about the following:

• Main account low balance alert – receive a notification when your balance drops below a threshold that you set.
• Subaccount low balance alert – receive a notification when the balance in your Subaccount drops below a threshold that you set.
• Funds added – receive a message when funds are added to your account. This includes funds that are added electronically such as a direct deposit or a federal tax refund.
• Available balance – receive a regularly scheduled notification with your available balance. You can choose the frequency of how you want to receive this alert, whether it’s every day, every week, every two weeks or every month. You can also select a start date and end date.

Text commands are an easy way to stay informed about your Reloadable Target Circle Card account using your mobile device*. Different from the text and email alerts listed above, text commands are a request for quick information sent via your mobile device. With text commands, you can send us a text with a pre-defined command, and we’ll respond with the requested information. See list of available commands below.

To start receiving text alerts, you must first ensure that your mobile phone number associated with your account is verified. To set up text commands, follow the steps below:

1. Log in to your account and go to My Profile.
2. Select Phone number, located under the Contact Information section.
3. Confirm that the phone listed is the correct number.
4. Check the box located under your mobile phone number and select Update.
5. You will then be prompted to enter a 6-digit verification code that will be sent to your mobile device. Enter the code and select Verify and Finalize.
6. You will receive a text confirmation right away. You are now ready to start using text alerts.

Text the following list of commands to 797871:

• Your current balance: BAL or BALANCE
• History of transactions: HIST or HISTORY
• Help with text notifications: HELP
• Your goals balance: GOALS
• Download the Reloadable Target Circle Card Mobile App¹: APP

Yes. Subaccount users can get account information on-demand by using text alerts*. Subaccount users can send us a text with a pre-defined command, and we’ll respond with the requested information. See list of available commands, below.

To start receiving text alerts, subaccount users must first ensure that the mobile phone number associated with their subaccount is verified. To set up text commands, subaccount users must follow the steps below:

1. Log into their Reloadable Target Circle Card subaccount and go to My Profile.

2. Select Phone number, located under the contact information section.

3. Confirm that the phone listed is the correct number.

4. Check the box located under your mobile phone number and select Update.

5. The subaccount user will then be prompted to enter a 6-digit verification code that will be sent to their mobile device. They enter the code and select Verify and Finalize.

6. The subaccount user will receive a text confirmation right away. They are now ready to start using text alerts.

Subaccount users may text the following list of commands to 797871:

• Their current balance: BAL or BALANCE
• History of transactions: HIST or HISTORY
• Help with text notifications: HELP
• Download the Reloadable Target Circle Card Mobile App¹: APP

You can manage your text and email alert settings directly in My Profile.

1. Log in to your account and go to My Profile.

2. Select Notification Settings, located under the settings section.

3. Under the Text and/or Email column, check the box next to each type of alert you wish to set up.¹ If you want to opt-out of a text or email alert you are currently receiving, simply uncheck the appropriate box.

• For balance alerts, enter the amount at which you’d like to get a notification if the balance drops below. For example, you would enter $10.00 if you’d like to receive an alert whenever the balance drops below $10.00. Please note that this is a required field and must be filled out in order to set up your alerts properly.

4. Select Save Changes and your text and email alert settings will be updated.

Yes. Subaccount users can get account information on-demand by using text alerts*. Subaccount users can send us a text with a pre-defined command, and we’ll respond with the requested information. See list of available commands, below.

To start receiving text alerts, subaccount users must first ensure that the mobile phone number associated with their subaccount is verified. To set up text commands, subaccount users must follow the steps below:

1. Log into their subaccount and go to My Profile.
2. Select Phone number, located under the contact information section.
3. Confirm that the phone listed is the correct number.
4. Check the box located under your mobile phone number and select Update.
5. The subaccount user will then be prompted to enter a 6-digit verification code that will be sent to their mobile device. They enter the code and select Verify and Finalize.
6. The subaccount user will receive a text confirmation right away. They are now ready to start using text alerts.

Subaccount users may text the following list of commands to 797871:

• Their current balance: BAL or BALANCE
• History of transactions: HIST or HISTORY
• Help with text notifications: HELP
• Download the Reloadable Target Circle Card Mobile App¹: APP

With your Reloadable Target Circle Card Account, you may set up goals, which can be used to put money towards a specific purpose ─ whether you are setting money aside for a family vacation, a large purchase, or just a rainy day.

To add money to your goals, transfer money from your main account available balance into the goals. You can have up to six (6) goals. When you're ready to spend the funds in a goal, simply transfer the funds back into your available balance. Moving funds in and out is simple and can be done anytime you want.

It’s easy to get started with goals! To create a new goal, simply follow the steps below. Remember you can have up to six (6) goals.

1. Log into your Account.
2. On the Home screen, select ‘Add Goal.’
3. Enter the name of your goal. You can also enter how much you want to set aside and a due date for your goal if you wish.
4. Select ‘Save new Goal’ to create your new goal.
5. Next, select ‘Transfer In’ to add money to your goal from your main account. If you’d like to add money later, go to Home or Logout.

Money can only be added to the goals by transferring money from the main account available balance. There are no limits on the number of times you can transfer money from your available balance into the goals and there are no fees when you transfer money.

Follow these steps to add money to a goal:

1. Log into your Target Circle Card Reloadable Account.
2. Go to Money Out and select ‘Transfer out of Main Account.’ Or select the goal to which you’d like to add money on the Home screen and select ‘Transfer In.’
3. When you get to the ‘Transfer out of main account’ screen, select the goal you’d like to add money to by selecting it from the list. Enter the amount you want to transfer from your main account to the selected goal and select ‘Transfer.’
4. Your money will be transferred right away to your selected goal. You will see a confirmation that the transfer has been completed, along with a transaction ID number for reference.

IMPORTANT: Money cannot be spent directly from a goal. To spend money from a goal, the money must first be transferred back to your main account available balance. There are no limits on the number of times you can transfer money from goals to your available balance and there are no fees when you transfer money.

To transfer money from a goal back to your main account, follow these steps:

1. Log into your account.
2. Go to Money In and select ‘Transfer Money to Main Account.’ Or select the goal from which you’d like to transfer money from the Home screen and select ‘Transfer Out.’
3. When you get to the ‘Transfer money into main account’ screen, select the goal from which you’d like to transfer money from the list. Enter the amount you’d like to transfer to your main account and select ‘Transfer.’
4. Your money will be added to your main account available balance right away. You will see a confirmation that the transfer has been completed, along with a transaction ID number for reference. 

No. There are no fees associated with goals.

No. We do not send a card with goals. To spend money in a goal, see the “How do I spend money from a goal?” question above. Simply transfer money from the goal back into your main account available balance to use the money you set aside in the goal.

You can edit a goal at any time. Select the goal you’d like to change from the home screen, then click or tap on ‘Edit Goal’ to change the goal name, amount or due date. Select ‘Update Goal’ to save your changes.

Remember when you are ready to spend the money set aside in a goal you will need to transfer the money from the Goal back to your Main Account. See “How do I spend money from a goal?” above for more information. Note, the goal will not be removed or closed when the balance is $0. You can use the goal again or edit it to use for another goal in the future.

Once you have six (6) goals, you will not be able to create another new goal. You can use ‘Edit Goal’ to rename a previous goal for a new purpose.

No. Subaccount users cannot create goals.