Yes. The Target Circle Card Reloadable Account is a demand deposit account established by Pathward®, National Association, Member FDIC. When we receive the money that you deposit to your Target Circle Card Reloadable Account, the funds are insured by the Federal Deposit Insurance Corporation (“FDIC”), subject to applicable limitations and restrictions of such insurance. Money transfers will not be FDIC-insured until we receive the funds even if we make the funds available to you prior to receipt as described in the Deposit Account Agreement.
Your money is safe with Target Circle Card Reloadable
After you register your account, your deposits are federally protected with FDIC insurance. And you can quickly freeze your card if it’s ever lost or stolen.
Built-in security for all accounts:
FAQs
Is money in my Target Circle Card Reloadable Account protected by FDIC insurance?
What do I do if my card is lost, stolen, or damaged?
You can temporarily freeze your card to prevent further transactions, including any automatic or recurring payments made from your Target Circle Card Reloadable Account, while you search for it. Please note: your card will automatically unfreeze after 7 days.
To freeze your card:
- Log in to your account & select your main account
- Click or tap the “Gear” icon & select “Freeze card”
- Click or tap the button next to “Freeze your card”
If you find your card, log into your account and follow the above instructions but now click or tap “Unfreeze my card.”
If you do not find your card or it is damaged, you will need to replace it:
- Log in to your account & select your main account
- Click or tap the “Gear” icon & select “Replace card”
- Confirm your address and then your replacement card will be mailed to the address we have on file for you.
These same processes can be used for subaccounts – either the subaccount user or the main accountholder can freeze, unfreeze, and replace the subaccount user’s card at any time.
What is Fraud Protection?
Use your Target Circle Card Reloadable Account online or off, knowing you are protected against fraudulent charges. It’s important that you monitor your transactions closely and call us immediately if there are suspicious charges on your account. You should review your monthly statements and consider setting up text and/or email alerts to stay in the know about your account.
For the Target Circle Card Reloadable Account, your transactions are covered by Visa’s Zero Liability Policy. See the Deposit Account Agreement for more information, including your obligations for reporting fraudulent transactions immediately. If you notice any suspicious charges, please call us immediately at 1-833-840-4332.
How do I dispute a transaction?
If you feel that an unauthorized transfer was made to or from your Target Circle Card Reloadable Account, or there is an error on your monthly statement or transaction receipt, or you need more information about a transaction listed on your monthly statement or transaction receipt (each circumstance, a "Dispute"), you may contact us 24 hours a day, 7 days a week at 1-833-840-4332.
You may also write to us at:
Target Circle Card Reloadable Account Customer Care
P.O. Box 826
Fortson, GA 31808
You must include the following when notifying us of a Dispute:
- Your name and Target Circle Card Reloadable Account number.
- Description of the transfer or transaction you are unsure about, and an explanation of why you believe it is in error or why you need more information.
- The dollar amount and, to the extent possible, date of the suspected error.
If you choose to call Customer Service and tell us of the Dispute verbally, we may require that you send us your Dispute in writing within 10 business days.