Debit Card Linking FAQ

Q: Which debit card should I link?

Link the debit card associated with the primary checking account you linked to Klover. Linking a debit card from a bank other than the one you originally linked to Klover will result in the debit card linking failure.

Q: Why do I need to link my debit card?

We need you to link your debit card so that you can get instant advances and so that Klover can easily pull funds from your bank account for advance repayment. Debit card linking usually takes just a few minutes, and you will notice a deposit of $0.01 - $0.09 and then a withdrawal of $0.01 - $0.09 on your bank statement from Klover for the debit card linking process.

Q: What is Klover Plus? 

Klover+ is a membership program that will give you access to amazing financial tools that can really make a difference in your finances, short-term and long-term! Regardless if you are using the advance feature, we would like to give you the tools you need to organize your finances and better understand your spending habits. When you link your debit card, you get a free one-month trial of Klover Plus. You can cancel Klover Plus at any time by going to Profile > Membership > Cancel. You do not need to stay subscribed to Klover Plus to get an advance from Klover.

For a monthly fee of $3.99, you will have access to the following:

• Financial Advisor: See how your spending compares to others in your spending group
• Real-Time Price Comparisons: Based on the products from your scanned receipts, we offer price comparisons (what others are paying for the same product you are paying for
• Credit Monitoring: You can get access to your daily credit score available via Experian
• Cash Out: Cash out your points for an Amazon gift card

Q: How long does debit card linking take? Why does the debit card verification process take so long?

Most debit cards will link in under 10 minutes, but the debit card verification process can take up to 3 business days to complete.

Here's what might be happening with your debit card if it's taking a long time to link:

• We are confirming Klover is able to sustain a connection with your debit card issuer
• We are confirming the debit card is linked to the primary bank account you have linked to Klover
• We are confirming the debit card you linked is active and working properly - not expired, shut off, or locked
• We are confirming the debit card is able to receive funds by depositing between $0.01 and $0.09, and confirming Klover is able to withdraw funds by withdrawing the funds we deposited.

Q: I can't link my debit card. What's going on?

Please don't relink your card before it finishes the verification process! You will receive a notification to your phone once your debit card links successfully, and you can see the status of your debit card link by checking the Profile (person icon) page in the app. Some of the most common reasons you might run into issues linking your debit card are: