Frequently Asked Questions

What is Rollcard?

Rollcard is a Visa debit card1 designed specifically for betting, backed by a dedicated FDIC-insured deposit account. Rollcard deposits are held at Cross River Bank, Member FDIC, insured up to $250,000. Rollcard LLC is not an FDIC-insured bank. Deposit insurance covers the failure of an insured bank.

Who is Rollcard best for?

Rollcard is designed for high-volume bettors, players managing large multi-operator deposits, and bettors seeking bankroll separation and tracking. Rollcard is not designed for primary household checking, under-21 gaming activity, or unregulated offshore books.

What are the requirements to open a Rollcard account?

To open a Rollcard account, you must be at least 21 years old, be a U.S. resident or citizen, provide a valid Social Security Number (SSN) for identity verification, and have a U.S.-based external bank account to link via Plaid.

How do I apply for a Rollcard?

Complete our online application at rollcard.com/apply. You will need a valid government-issued photo ID, Social Security Number, U.S. residential address, and email address and phone number. Most applicants are approved within minutes. Approval subject to verification.

How long does it take to get approved?

Most applicants are approved within minutes. In some cases, additional verification may be needed, which could take a few business days. Approval subject to verification.

Is there a credit check?

Rollcard is a debit card, not a credit card. We verify your identity but do not perform a traditional credit check that affects your credit score.

What is KYC verification?

KYC (Know Your Customer) is an identity verification process required by federal banking regulations. We use KYC to confirm your identity, verify you meet the minimum age requirement of 21, and comply with Anti-Money Laundering (AML) laws.

Why do you need my Social Security Number and personal information?

We collect your SSN, date of birth, address, and phone number to verify your identity and comply with federal banking regulations, including Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements. This also confirms you meet the minimum age requirement of 21.

Why do we use Plaid to link bank accounts?

Plaid is a secure, industry-leading platform that connects your external bank account to Rollcard. Plaid allows you to link your account by logging in through your bank's interface. Rollcard never sees or stores your external bank login credentials.

Is my Rollcard account FDIC insured?

Yes. Rollcard accounts are issued by Cross River Bank, Member FDIC. Your deposits are held in FDIC-insured accounts up to $250,000 per depositor. 1 FDIC insurance protects your deposits against bank failure. It does not protect against fraud or unauthorized use of your card. However, Visa Zero Liability and federal law (Regulation E) provide protection for unauthorized transactions when reported promptly.2

Is Rollcard available in my state?

Rollcard is available to residents of all 50 U.S. states and Washington D.C. You must be at least 21 years old. Gambling laws vary by state. Ensure sports betting and/or casino gaming is legal in your state before using your Rollcard.

How do I open a Rollcard account?

Visit Apply to complete the online application. You will need a valid government-issued ID, your Social Security Number, a U.S. residential address, and a phone number and email. Most applicants are approved within minutes.

How do I link my external bank account?

During account setup, you will be prompted to link your external bank account via Plaid. Select your bank, log in with your bank credentials, and select the account you want to link. Rollcard does not see or store your bank credentials.

Is my linked bank information secure?

Yes. Plaid uses bank-level encryption to protect your credentials. Rollcard does not store your bank username or password. Only your account details are used for ACH transfers.

How do I add funds to my Rollcard account?

Log in to your Rollcard account and select Transfer. Choose your linked external bank account, enter the amount, and confirm. Transfers are processed via ACH and typically credit to your Rollcard account within 1-3 business days.

Can I add another bank account?

Yes. You can add and manage multiple linked bank accounts through the Rollcard app or by logging in at rollcard.com. Go to Activity, click Linked Banks, then click Link Bank Account Now.

How do I update my personal information?

You can update most personal information directly in the Rollcard app or at rollcard.com: phone number, email address, mailing address, password, and notification preferences. For name changes, Social Security Number corrections, or other sensitive updates, contact Customer Support at 1-800-207-4109. Documentation may be required.

How do I manage my notification preferences?

Customize your notification preferences (text, in-app, email) through the Rollcard app or by logging in at rollcard.com. Select the Settings icon, then Notifications.

How do I access my account?

Log in at rollcard.com or use the Rollcard mobile app. Your account dashboard shows your balance, transaction history, and transfer options.

How do I close my Rollcard account?

To close your account, contact Rollcard Customer Support at 1-800-207-4109 or email support@rollcard.com. Account closure requests are typically processed within 5-10 business days.

What happens to my remaining balance if I close my account?

Before closing your account, you must withdraw any remaining funds by transferring them to your linked external bank account.

What type of card will I receive?

Rollcard provides both a virtual card (available immediately upon account approval in the Rollcard app) and a physical card (mailed to your address). Physical card delivery: 7-10 business days for standard shipping.

How do I activate my card?

Virtual card: available immediately in the Rollcard app once your account is approved. No activation required. Physical card: once received, activate through the Rollcard mobile app by navigating to Card Management and selecting Activate Physical Card, or by calling the number provided with your card.

Where can I use my Rollcard?

Rollcard is accepted at regulated online sportsbooks, online casino platforms, and land-based casinos in the U.S. Rollcard cannot be used at unregulated or offshore gambling sites. Acceptance is subject to individual merchant policies.

Can I use my Rollcard with Apple Pay, Google Pay, or Samsung Pay?

Yes. Rollcard supports Apple Pay, Google Pay, and Samsung Pay. You can add your Rollcard debit card to your digital wallet directly through the Rollcard app.

Why isn't my Rollcard being accepted when I manually enter my card number on Polymarket, Caesars, or other platforms?

Some platforms do not accept manually entered debit card numbers for deposits, even when the card is otherwise valid. This is a platform-level restriction, not an issue with your Rollcard account or available balance.

The solution is to deposit using your mobile wallet instead.Load your Rollcard into Apple Pay or Google Pay, then select the mobile pay option at checkout or deposit on the platform.To load your Rollcard into your mobile wallet:
‍
Apple Pay: Open the Wallet app → tap the + icon → follow the prompts to add your Rollcard
Google Pay: Open the Google Pay app → tap Add → Card → follow the prompts to add your Rollcard

Once added, select Apple Pay or Google Pay as your deposit method on the platform and authorize with Face ID, Touch ID, or your device passcode.If you continue to experience issues after adding your card to your mobile wallet, contact our support team for assistance.

How do I freeze or unfreeze my card?

You can freeze your card at any time through the Rollcard app or at rollcard.com. Freezing locks your card for 30 days. To unfreeze before the 30-day period, contact customer service at 1-800-207-4109 or email support@rollcard.com.

Can I set spending limits or controls?

Yes. Rollcard includes: customizable daily and monthly spending limits you set yourself, cooling-off periods, and card freeze. Rollcard also has built-in per-business-day transaction limits for your security. Limit increases require a mandatory 24-hour waiting period.

What if my card is lost or stolen?

Freeze your card immediately through the Rollcard app or at rollcard.com, and contact us at 1-800-207-4109 or support@rollcard.com. We will issue a replacement card. Standard shipping typically takes 7-10 business days. Report unauthorized transactions as soon as possible to limit your liability. Your Rollcard Visa debit card includes Visa Zero Liability protection for qualifying unauthorized transactions.

How quickly must I report a lost or stolen card?

Report your lost or stolen card as soon as possible to limit your liability. Contact us at 1-800-207-4109 or support@rollcard.com. Federal law provides specific protections for unauthorized transactions. The sooner you report, the more protected you are.

How do I add funds to my Rollcard account?

Fund your Rollcard account by linking your external bank via Plaid for a fast, secure connection and initiating an ACH transfer.

Are there any limits on how much I can deposit?

You can deposit up to $1,000,000 per business day from your linked bank into your Rollcard account. Deposits process on standard ACH timelines and may be subject to your own bank's limits. Transactions initiated on weekends or bank holidays count toward the next business day's limit.

How quickly do deposits into my Rollcard account process?

Deposits are processed on business days, Monday through Friday, excluding federal holidays. Deposits initiated on weekends or holidays will begin processing the following business day. ACH deposits are generally credited within 1-3 business days; deposits submitted after 2:00 PM ET are processed as the next business day. Processing times may vary depending on your external bank.

Do transfers work on weekends?

You can initiate deposits at any time. Deposits process on business days, Monday through Friday, excluding federal holidays. Deposits initiated on weekends or holidays begin processing the following business day.

How do I withdraw money from my Rollcard account?

Transfer to linked bank account: send funds back to your external bank via ACH. Transfers are $0 fee and subject up to $250,000 per business day ACH limit. Transfers typically settle in 1-3 business days. ATM withdrawals are available up to $2,000 per business day at participating US ATM networks using your physical card. Transactions initiated on weekends or bank holidays count toward the next business day's limit.

How long does it take to transfer funds to my bank?

Transfers are processed via ACH on business days, Monday through Friday, excluding federal holidays. ACH transfers typically settle within 1-3 business days depending on your receiving bank.

How long does it take to receive withdrawals from a sportsbook or casino?

When you withdraw from a sportsbook or casino, funds typically return to your Rollcard account within 24-48 hours. Processing times vary by operator and are outside of Rollcard's control. Once the funds arrive in your Rollcard account, they are available to use immediately.

Can I use my account and routing number to receive payments via ACH?

Yes. You can share your Rollcard account and routing numbers to receive incoming payments such as payouts from gaming operators. Your account and routing numbers are available in your Rollcard account. Rollcard does not support outgoing ACH transfers to third parties. Withdrawals can only be sent to your linked personal bank account.

Are there any monthly fees?

Rollcard charges no monthly maintenance fees, no minimum balance fees, and no inactivity fees. See the current fee schedule in your Deposit Account Agreement for a complete list of applicable fees.

What are the transaction limits?

ACH inbound (deposits): up to $1,000,000 per business day. ACH outbound (withdrawals): up to $250,000 per business day. POS (debit card) transactions: up to $1,000,000 per business day. ATM withdrawals: up to $2,000 per business day. All limits apply per business day; transactions initiated on weekends or bank holidays count toward the next business day's limit.

Are there fees for using my Rollcard?

There are no fees for POS (debit card) purchases. Rollcard charges $0 for ACH transfers; your external bank may apply its own fees. There is no monthly account maintenance fee. Replacement cards are $0. See the current fee schedule in your account or in the Deposit Account Agreement for full details.

Can I use my card internationally?

Rollcard is intended for domestic U.S. use only. International transactions may be declined. Contact customer support if you have questions about international use.

Does Rollcard offer cashback?

Yes. Rollcard Cashback is our cashback program built for bettors. Earn cashback on qualifying spend with your Rollcard at licensed US sportsbooks, DFS platforms, and legalized online casinos, as well as legal racebooks and prediction markets. No activation required. Your rate is set by your monthly activity tier, and cashback is credited directly to your card balance at the end of each month. New cardholders earn double cashback during their first 30 days.

How do the cashback tiers work?

Rollcard has five cashback tiers set by your qualifying spend in the calendar month: Standard ($500-$2,500): 0.30% cashback. Bronze ($2,501-$10,000): 0.35% cashback. Silver ($10,001-$25,000): 0.40% cashback. Gold ($25,001-$100,000): 0.45% cashback. Platinum ($100,001+): 0.55% cashback.

How does the new-member 2x cashback work?

For your first 30 days as a cardholder, every qualifying dollar earns at twice your tier rate. It accrues over the window and pays out as a single credit at the end, up to $2,000. After the window, your standard monthly rate applies.

What is the minimum spend to earn cashback?

You must have a minimum of $500 in qualifying spend in a calendar month to earn cashback. Months where your qualifying spend falls below $500 will not earn cashback.

Is there a cashback cap?

Yes. The monthly cashback cap is $1,000 across all tiers. For new cardholders, the cap is $2,000 during their first 30 days when cashback is earned at 2x.

When do cashback tiers reset?

Your tier is set by your total qualifying spend in the calendar month and resets on the 1st of each month. The new-member 2x is a separate, one-time window dated from your signup.

When is cashback credited to my account?

Cashback is credited directly to your card balance at the end of each calendar month. No redemption process required.

What transactions qualify for cashback?

Cashback is earned on qualifying spend with your Rollcard at licensed US sportsbooks, DFS platforms, and legalized online casinos, as well as legal racebooks and prediction markets.

Can my cashback be taken back?

Cashback on a transaction that is later reversed, refunded, or disputed is forfeited. Card cycling and non-bona-fide spend are prohibited and may result in forfeiture.

Can Rollcard change or end the cashback program?

Yes. Rollcard may modify the Rollcard Cashback program, including cashback rates, tier thresholds, eligibility rules, or other terms, at any time. Rollcard may also suspend or terminate the program at any time and for any reason. When practicable, Rollcard will provide advance notice of material changes.

Are there tax implications for cashback?

Rollcard does not provide tax advice. Please consult a qualified tax professional regarding any tax obligations related to cashback.

Is Rollcard safe? Is my money safe?

Yes. Rollcard accounts are issued by Cross River Bank, Member FDIC. Deposits are FDIC-insured up to $250,000 per depositor. Rollcard LLC is not an FDIC-insured bank; deposit insurance covers the failure of an insured bank. Your account is also protected by Visa Zero Liability on eligible unauthorized signature-based transactions, subject to the Regulation E dispute resolution process and prompt reporting, plus bank-grade encryption, two-factor authentication, and real-time fraud monitoring.

What security features protect my account?

Rollcard includes: two-factor authentication for login, real-time transaction alerts, card freeze through the app (contact customer service to unfreeze), zero liability for unauthorized transactions subject to terms, and encryption for all data transmission.

How does Rollcard protect my personal information?

Rollcard uses industry-standard security measures including encryption and secure data storage to protect your information. Administrative, technical, and physical safeguards are maintained to protect your personal and financial information against unauthorized access, disclosure, or misuse. See our Privacy Notice at rollcard.com for details.

What should I do if I suspect fraud on my account?

Immediately lock your card through the Rollcard mobile app or at rollcard.com, and contact us at 1-800-207-4109. We will freeze your card, investigate the issue, and work with you to resolve any unauthorized activity.

What if I have a problem with a transaction?

If you believe a transaction is incorrect or unauthorized, contact Rollcard Customer Support at 1-800-207-4109. We will investigate the issue and work to resolve it.

How do I dispute a charge?

Contact Rollcard Customer Support at 1-800-207-4109. Provide details about the transaction including the date, amount, merchant, and reason for the dispute. We will review your claim and respond in accordance with Regulation E requirements.

Will I receive provisional credit during a dispute?

If we need more than 10 business days to investigate your claim, we will credit your account within 10 business days for the amount in question so you have use of the funds during the investigation. For new accounts, provisional credit may take up to 20 business days. Investigations may take up to 45 days, or up to 90 days for new accounts, point-of-sale, or foreign-initiated transactions. See your Deposit Account Agreement for details.

How long does a dispute take to resolve?

Most disputes are resolved within 10 business days. If additional time is needed, investigations may take up to 45 days. You will be notified of the outcome. See your Deposit Account Agreement for complete details.

Can I view my transaction history?

Yes. View your complete transaction history 24/7 through the Rollcard app or at rollcard.com. Your history includes pending transactions, settled transactions, account statements, and all fees and charges.

Do I receive transaction notifications?

Yes. Rollcard sends notifications for account activity including authorizations, settlements, card status changes, address changes, and PIN changes. Customize your notification preferences through the Rollcard app or at rollcard.com. Text message notifications may incur standard messaging rates from your carrier.

Does Rollcard promote responsible gaming?

Yes. Rollcard supports responsible gaming. If you or someone you know has a gambling problem, help is available. National Problem Gambling Helpline: 1-800-GAMBLER (1-800-426-2537). National Council on Problem Gambling: ncpgambling.org. Gamblers Anonymous: gamblersanonymous.org. For more information, visit our Responsible Gaming page.

What is a cooling-off period?

A cooling-off period temporarily restricts your Rollcard from gaming transactions for a period you choose (24 hours to 30 days). Gaming transactions are suspended for the duration of the selected period. Contact Rollcard customer service to modify or remove a cooling-off period.

Why is my deposit pending?

Deposits may be pending for several reasons: ACH transfers initiated after 2:00 PM ET are processed the next business day. Deposits initiated on weekends or federal holidays begin processing the following business day. Operational processing, suspected fraud, legal or compliance requirements, or network interruptions may cause additional delays. If your deposit remains pending beyond expected timeframes, contact Customer Support at 1-800-207-4109.

Why can't I link my bank account?

If you are unable to link your bank account via Plaid, your bank may not support real-time balance checks required for deposits. Try linking a different bank account or contact Customer Support for assistance.

What if my preferred sportsbook isn't supported?

Rollcard is accepted at participating regulated U.S. gaming operators including sportsbooks, daily fantasy sports platforms, iGaming sites, land-based casinos, horse racing operators, and prediction markets. If you are experiencing an issue at a specific operator, confirm with them that they accept Visa debit cards. If the issue persists, contact Rollcard support at 1-800-207-4109.

Who provides banking services for Rollcard?

Banking services, including deposit accounts and debit cards, are provided by Cross River Bank, Member FDIC. Rollcard, LLC operates as a program manager and service provider.

Where can I find Rollcard's Terms of Service?

You can find Rollcard's Deposit Account Agreement and Privacy Notice on rollcard.com.

Where can I find Rollcard's Privacy Policy?

Rollcard's Privacy Notice is available on rollcard.com or by contacting Customer Support at 1-800-207-4109.

How can I contact support?

Phone: 1-800-207-4109. Email: support@rollcard.com. Live chat available through the Rollcard app or at rollcard.com. Contact Phone and Live Chat hours: 1:00 PM to 11:00 PM CST, Monday through Friday. Email: allow a few business days for response.

What are your customer support hours?

Phone and Live Chat: 1:00 PM to 11:00 PM CST, Monday through Friday. Phone: 1-800-207-4109. Live Chat: available through the Rollcard app or at rollcard.com. Email: support@rollcard.com. Please allow a few business days for email response.

How long does it take to get a response?

Phone and Live Chat: immediate assistance during support hours (1:00 PM to 11:00 PM CST, Monday through Friday). Email: allow a few business days for response at support@rollcard.com.