Security

Is my money safe & secure?

Yes, you can use your Scarlet card online or in-store, 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.

Your Scarlet® Bank Account transactions are covered by Mastercard’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 1-833-707-3783.

Is money in my Scarlet® Bank Account protected by FDIC insurance?

Yes. The Scarlet® Bank Account is a demand deposit account established by Pathward®, National Association, Member FDIC. When we receive the money that you deposit to your Scarlet Bank Account, the funds are insured by the Federal Deposit Insurance Corporation (“FDIC”), subject to applicable limitations and restrictions of such insurance. Add 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.

What should I do if I can't find my Scarlet card and I am concerned it is lost or stolen?

You can temporarily freeze your card to prevent further transactions, including any automatic or recurring payments made from your Scarlet account, while you search for it. Please note: Your card will automatically unfreeze after 7 days.

Follow the steps below to temporarily freeze your card:

1. Log in to your Scarlet account

2. On the Home screen, select your main account

3. Click or tap the gear icon

4. Select Freeze Card

5. Click or tap the button next to Freeze Your Card

6. You will return to your main account and your card is now frozen

If you find your card: Log in to your Scarlet account. On the Home screen, select your main account then click or tap Unfreeze My Card. Click or tap the green button to unfreeze your card and return to your main account.

Please note: If you do not unfreeze or replace your card, your card will automatically unfreeze after 7 days.

If I’m concerned about fraud, how do I dispute a transaction on my account?

If you feel that an unauthorized transfer was made to or from your Scarlet 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 1-833-707-3783.

You may also write to us at:

Scarlet Customer Care
P.O. Box 826
Fortson, GA 31808

You must include the following when notifying us of a Dispute:

• Your name and Scarlet 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.