Frequently Asked Questions

The EngageFT Millennial Showcase card account

What is the Millennial Showcase account?

The Millennial Showcase is a reloadable prepaid card transaction account that provides a simple and cost-effective way to manage your money. Simply place funds on the card and you can use the card everywhere Debit Mastercard is accepted, access cash at the ATM, or pay bills.

Sunrise Banks N.A., Member FDIC is the issuer in support of the Millennial Showcase program.

The Millennial Showcase Mastercard can be used everywhere Debit Mastercard is accepted at millions of places worldwide. You can use it to make payments and purchases in stores, online or by phone.

Signing up for a Millennial Showcase account

Why do you need my Social Security Number?
In accordance with the USA Freedom Act (H.R. 2048, Pub.L. 114–23), in order to minimize the risks associated with money laundering and terrorist funding, individuals are required to provide certain personal information to the issuing institution (Sunrise Banks, N.A.) in order to open up a bank account.
Is the information I submit online safe?
Yes. The technology supporting Millennial Showcase is PCI compliant, and uses Transport Layer Security (TLS) to secure any data transferred to or from pages where you submit or view personal information.
How long will it take to receive my card?
Please allow 7 – 10 calendar days for the card to be delivered, however a virtual card account will be available for use immediately after successfully registering for your card account with the bank.
Will my credit report be checked to determine if I can get a card?
No, a credit check is not required or performed while opening up a Millennial Showcase Mastercard account. However, an identity check is performed for approval.
Will my card usage affect my credit?
No, Millennial Showcase is a reloadable prepaid card account program – and as such, your usage does not affect your credit rating.
How do I activate my card?
You can activate your card directly through the Millennial Showcase mobile app, online by accessing our website at www.myengageft.com, or by calling 1-866-239-2008. Be sure to sign the back of your card, so merchants can validate your identity when you sign for purchases.
How do I set up my personal identification number (PIN)?
You can easily set up or update your card account related PIN through the mobile app, online by accessing our website, or by calling 1-866-239-2008.
Is there a minimum balance for a Millennial Showcase Account?
No, there is no minimum balance requirement. However, cards with a zero balance and no activity may be subject to closure after 90 days.

Adding funds in your Millennial Showcase account

What are the different ways to place funds on my Millennial Showcase Mastercard?
The Millennial Showcase can be loaded via ACH from a checking or savings account, with cash at a Mastercard rePower® location, by direct deposit, and by mobile check deposit.
Is there a minimum load amount?
There is no minimum load amount for direct deposit, mobile check deposit, or Mastercard rePower®. The minimum load amount for ACH transfer is $5.
How do I load using ACH from my checking or savings account?
To get started, log in to the Millennial Showcase mobile app, and select “Add Money,” then “Bank Transfer.” Enter the bank account information you would like to load from. Millennial Showcase will send two trial deposits to your bank account to verify it was entered correctly. Check your bank account after two to three days to find the trial deposits. When you find them, return to the Millennial Showcase app or website and click on “Verify Funding Source”. Enter the trial deposit amounts in the two fields provided (the order doesn’t matter). Once you’re finished, you will be able to load with ACH using Quick Transfer any time from the app or website.
How long do I have to verify a funding account?
The trial deposits are valid for 45 days from the date you add the funding account. After 45 days or if you enter the amounts incorrectly 3 times, you will have to remove the funding account and start over.
How do I set up Direct Deposit?

Log into the mobile app or website and select “Add Money,” then “Direct Deposit.” You will be able to see the bank routing number and your specific card account number.

You can provide the routing and account number associated with your card account to your employer or another entity who pays you. You can deposit all or any portion of your payroll amount to your Millennial Showcase Mastercard, on a recurring basis. You can also use this information to receive funds owed to you by the U.S. government, such as a tax return or Social Security.

How does Mastercard rePower® work?
To load with Mastercard rePower®, visit any participating merchant with your Millennial Showcase Mastercard. Ask the cashier to process a load to your Millennial Showcase Mastercard. The cashier will swipe your card to add the funds from the cash you give them. Fees for rePower® transfers vary by participating location. You can find participating merchants here.
How can I find a Mastercard rePower® participating location?
Please use this page to find a location near you online. Alternatively, you can log into the mobile app, select “Add Money,” then “Cash In.” If you allow the Millennial Showcase app to use location services we’ll automatically find locations near you.
How does mobile check deposit work?
With mobile check deposit, you take pictures of a qualifying check using your mobile device to deposit it into your Millennial Showcase Mastercard account. Please see our Millennial Showcase Mobile Check Deposit User Agreement for terms and restrictions.”
What are the technical requirements for mobile check deposit?
All you need is the Millennial Showcase mobile app. We currently support the Millennial Showcase mobile app on iOS versions 8.0 and newer, and Android versions 4.1 and newer.
How do I deposit a check using the Millennial Showcase app?
  1. Log in to the EngageFT Millennial Showcase app.
  2. Select “Mobile Deposit” from the main menu.
  3. Enter the dollar amount.
  4. Sign the back of your check.
  5. Select “take picture” on your phone.
  6. Take a picture of the front and back of your signed check.
  7. Once the photos are taken and appear on the screen, verify that they are easy to read. If they are not, select “re-take photos” and take the pictures again.
  8. Select “Complete Deposit.” The deposit will be processed and the funds will be added to your Millennial Showcase Mastercard as soon as the check clears, usually 2-3 days.

To improve image quality, place the check on a dark, flat surface free of other paper. Be sure the check is completely inside the box on your phone’s screen.

We recommend that you keep the original check for 90 days as proof of your transaction.

How long does a mobile check deposit take to fund my card?
Up to $300 will be made available immediately. The remainder of any check over $300 will be deposited 3 business days from the date the check was submitted. Please see our EngageFT Millennial Showcase Mobile Check Deposit User Agreement for terms and restrictions.
What are the image requirements for mobile check deposit?

Follow these tips to ensure your check images are acceptable.

  • Make sure both sides of your check are filled out correctly and endorsed.
  • JPG, TIFF, and PNG image formats are acceptable. Other formats such as PDF are not supported.
  • If uploading scanned checks, ensure they are scanned at 200-300 DPI.
  • If taking photos with a camera, the minimum recommended resolution is 1600x1200 pixels and the file sizes should not exceed 2 MB.
  • Ensure photos are taken in a well-lit location and the check is placed on a contrasting, non-reflective background.
  • All 4 corners of the check must be clearly visible, with ample space around all sides.
  • Re-scan or retake photos of the check if the images are blurry.
  • Images will be automatically cropped after you click submit. Cropping the images yourself is not required
What kind of checks do you accept for mobile check deposit?

We accept original checks drawn on U.S. financial institutions in USD, payable to and endorsed by the depositor. Please see our EngageFT Millennial Showcase Mobile Check Deposit User Agreement for terms and restrictions.

The following types of checks cannot be used for mobile check deposit:

  • Third-party checks (checks payable to any person or entity other than the person who owns the account into which the check is being deposited)
  • Checks payable on sight, payable as cash or payable through Drafts
  • Checks that are remotely created checks
  • Checks payable jointly.
  • Checks previously converted to a substitute check, as defined in Reg CC.
  • Checks not payable in United States currency
  • Checks drawn on a financial institution located outside the United States.
  • Checks dated more than 6 months prior to the date of deposit
  • Checks with any endorsement on the back other than that specified in our agreement (we will ask for the check to be endorsed over to us by brand name)
  • Checks that have previously been submitted and accepted through our service or through a remote deposit capture service offered at any other financial institution
  • Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.
  • Any item stamped “Non-negotiable” or “This is not a check”
  • Bonds
  • U.S. Postal or Western Union Money Orders
  • Traveler’s Checks
  • Counter and starter checks
  • Credit card checks
How do I know if my check was deposited successfully?
After you select “Complete Deposit,” you will either see a success screen or an error message with the reason for the failure. The success screen will show the date, amount, and a receipt number. Engage Financial Technology will contact you if we need to adjust your deposit amount or if your check is rejected for any other reason.
How can I correct a mistake when using mobile check deposit?
At any time before selecting “complete deposit,” you can select “re-take photos” to take new pictures of your check, and you can select “back” to adjust the amount.
Is there a cut-off time for mobile check deposit on weekdays? Can it be used on the weekend?
You can submit a deposit 24/7. Deposits are processed during business hours, so if you complete a deposit after 6:00 p.m. PST it will be processed the next business day. Business days are Monday through Friday, excluding federal holidays. Saturday, Sunday, and federal holidays are not considered business days, even if we are open.
What are the limits for mobile check deposit?
The limits are 3 checks per day, maximum, no more than $2,500 in checks can be deposited within a 24 hour period. These limits run in aggregate with other card load limits. For example, if you already loaded once with ACH, you can only deposit 2 checks that day.
What do I do with my check after I deposit it using remote check deposit?
We recommend you attach a note to the check that you have deposited it to your Millennial Showcase Mastercard using mobile check deposit and keep it for 90 days for your records. After 90, you can dispose of it.
Who can I contact if I have a problem with remote check deposit?
You can always contact us 866-239-2008.
What is the maximum balance of funds I can have on my card?
Millennial Showcase Load (Funding) Limits
Maximum balance of funds on card $5,000
Maximum amount of all loads $2,500 per 24 hour period
Maximum number of loads 3 during any 24 hour period
Maximum amount of any direct deposit N/A
Minimum amount of any check N/A
Minimum amount of any rePower® load N/A
Minimum load amount for ACH loads $5.00

Using Your Millennial Showcase Mastercard

Where can I use my Millennial Showcase Mastercard?
You can use the card to purchase goods and services everywhere Debit Mastercard is accepted, withdraw cash at all participating ATMs, and pay bills.
Can the Millennial Showcase Mastercard be used for PIN purchases?
Yes, you can use the Millennial Showcase Mastercard for PIN purchases. If the merchant's terminal can accept PIN, choose the debit option. You will then be prompted to enter your PIN.
Can the Millennial Showcase Mastercard be used for signature purchases?
Yes. If the merchant's terminal accepts credit, select the credit option. You will be asked for your signature, and will not be asked for your PIN. Please note that your card is still a reloadable prepaid card, and can only be used for the funds available on your card account. Selecting credit only changes the way the card processes. It does not change your card type, and we will not extend you credit.
Can I use the Millennial Showcase Mastercard for online purchases?
Yes. You may use your virtual card account number or your physical card number for online purchases. Please note that your virtual card will no longer work after you activate your physical card. Please make sure you enter the correct billing information, including your name and the address on file with Millennial Showcase, or the transaction may be declined. Please note that the Millennial Showcase Mastercard cannot be used for online gambling.
How do I find my virtual card account number?
Your virtual card number can be found under “Manage Millennial Showcase” section. There will be an option to “reveal” your virtual card number. You will be prompted to provide a second level of security (Touch ID or app PIN code). Upon successfully doing so, your virtual card account details will be shown. Please note that your virtual card number will be deactivated when you activate your physical card. Please use your physical card number only after you have activated it.
What happens when I return something I bought with my Millennial Showcase Mastercard?
Any refund for goods or services purchased with the Card Account will be made in the form of a credit to the Card. While most merchants settle these at night this may vary depending on the merchant, verify with the merchant when you should expect to see a credit. Typically a credit from a return should reflect on your Card Account within a few business days.
How can I withdraw cash with my card?
You can use your card and PIN to withdraw cash at any ATM that displays the Mastercard or Accel logo. Some Mastercard merchants also will allow you to receive cash back when you use your card and PIN to make a purchase.
Are there limits on purchases or other withdrawals?
Millennial Showcase Mastercard Transaction Limits
Daily limit for transactions to obtain cash from a Mastercard or Accel ATM $300/transaction 
$300/day
Daily limit for cash back from merchants $75/day
Daily limit for all other kinds of transactions, including purchases at Mastercard Merchants $2,500/transaction 
$2,500/day
Daily limit for all transactions $2,500/day
Do I have the option to request overdrafts on my card?
No. In the US, reloadable prepaid account programs are subject to regulatory controls which do not allow for the card accounts to be overdrawn.
Do some merchants get authorization to charge more than the actual amount of a purchase?

As with any card program, when the Millennial Showcase Mastercard is used for certain kinds of transactions, the merchant accepting the card may request advance authorization of that transaction, and may estimate the amount of the transaction. This is usually because the final purchase amount is not known at the time you present your card. For example:

  • Gas Stations will accept the Millennial Showcase Mastercard to prepay for fuel inside the station, but "pay at the pump" purchases may be authorized for an amount greater than the gas purchase.
  • Restaurants, hotels, and car rental agencies may get authorization for an estimated purchase amount, rather than the actual purchase amount.
What is an Authorization Hold?
An “Authorization Hold” is a temporary hold on the funds available on your card for the amount of that authorized transaction. An Authorization Hold generally will be released within 3 business days after the date we authorized that transaction. However, certain merchants, especially rental car companies, hotels and others that authorize high dollar amounts may cause an Authorization Hold to remain in effect for an extended period of time. You can see each Authorization Hold on the funds available on your card at any time by calling 1-866-239-2008 or logging in to the Millennial Showcase website. Certain transactions may be handled differently by different merchants. If you are unsure of a merchant's policy, it's best to ask before presenting your card.

Managing Funds on Your Millennial Showcase Mastercard

How do I check my balance?
You can check your balance any time by logging in to the website or mobile app. You can also call 1-866-239-2008 to hear your balance.
Will I receive statements showing charges on my Millennial Showcase Mastercard?
Yes. Once you activate your card, you will receive periodic electronic statements showing all activity on your Millennial Showcase Mastercard.
Do I have to wait until I get a statement to see the transactions on my Millennial Showcase Mastercard?
No. Your Millennial Showcase mobile app will provide you with up to date information on all your transactions. You can always view this information by accessing the website at www.myengageft.com or by contacting 1-866-239-2008.
Can I have Alerts go to multiple phone numbers?
No. You can have alerts sent to only one mobile phone number.
What's the difference between my pending transactions and posted transactions shown on the Millennial Showcase mobile app or website?
With a pending transaction, the transaction has been authorized for a specific amount, but that transaction has not been submitted for final settlement. The funds are still in your card account, but are reserved and cannot be used. With a posted transaction, the transaction has been submitted and cleared for payment to the merchant, and the amount of the transaction has been deducted from the funds available on your Millennial Showcase Mastercard.
Does Millennial Showcase support Masterpass?
No, Masterpass is currently unavailable on the EngageFT Millennial Showcase Mastercard.
Can I add my Millennial Showcase Mastercard account to Apple Pay, Samsung Pay, or Google Pay?
These services are currently not supported on the EngageFT Millennial Showcase Mastercard.

Millennial Showcase Dashboard

What are the categories on the Millennial Showcase dashboard?
The dashboard will show you your available balance, and how much Millennial Showcase allocates to be spent on Bills, Budgets and Goals. The dashboard will also indicate to you what portion of your card account balance can be considered as “Spare Cash.” “Spare Cash” is not additional funds, but the portion of your money that has not been allotted for another spending category. It is an estimate of money that is available to you and on-hand. Changes in future income and expenses will affect the actual amount that you can consider “spare.”
How do Bills work?

Millennial Showcase offers the feature of indicating (or marking) a transaction as a recurring bill, or manually adding a bill that you have to pay. The Millennial Showcase app will track when each bill is due, and update your dashboard letting you know how much money is being put aside to for your bills.
Why should I mark transactions as bills?
Marking transactions as bills allows Millennial Showcase to track when the bill is due and keep your money management on track. Using the mobile app or website, you can mark a transaction as a bill, and set how often it occurs and when it is due.
If I manually set up a Bill on Millennial Showcase, does it get automatically paid?
No, you still have to pay the bill, although you may be able to set up automatic recurring payments with the merchant if they allow it. After you’ve used your Millennial Showcase Mastercard to pay the bill, use the app or website to mark it paid and your dashboard information will update accordingly.
What does “Money to Bills” mean?
Money to Bills on the dashboard of the website or mobile app tells you how much of your current balance needs to be allocated for upcoming bills.
How does budgeting work?
The Millennial Showcase budgeting component will track your purchases based on budget category. If you choose, upon your initial use of the card account, we will track your transactions for the first 30 days. After those 30 days, we will automatically create budget categories and amounts based upon those transactions. You will always have the opportunity to edit (add/delete/change) the budget categories, and change the suggested budget amounts. Using the intelligence within the Millennial Showcase system, we will proactively keep you informed when you’re spending within your budget, or spending at a rate that is below or above your estimated budget.
Will my Millennial Showcase Mastercard get declined if I go over budget?
No, we don’t decline transactions based on budgets. The budgeting display is informational and doesn’t affect your ability to make purchases within your available card account balance. However, the money allocated towards your goals has been set aside and is not part of your available balance.
What does “Money to Budgets” mean?
Money to Budgets on the dashboard on the website or mobile app tells you how much of your current balance we expect you to spend based on your budget settings.
What are the Goals I see in the website and app?
You can set goals to automatically start saving money towards a larger purchase. Using the Millennial Showcase app or website, you set up a goal for us to automatically transfer an amount from your available balance towards the goal as frequently as you would like. While the funds are being held for the goal, they won’t be part of your available balance.
Are the Goals funds in a savings account?
No, the funds are still in your reloadable prepaid card account. Millennial Showcase just removes them from your available balance so you don’t spend them. You can move them out of your goals balance and back into your available balance at any time.
How do I get the funds from goals back into my available balance?
You can transfer the funds out of goals back to your available balance at any time using the mobile app or website.
What does “Money to Goals” mean?
Money to Goals on the dashboard on the Millennial Showcase website and mobile app shows how much of your current balance is scheduled to be automatically moved to your upcoming goals.
What is “Spare Cash”?
Spare Cash is a feature that provides you with the guidance you need to help you effectively and simply manage your money. The amount indicated as your Spare Cash is, very simply, money that resides in your Millennial Showcase Mastercard account, but isn’t allocated towards any current Budget, Bill, or Goal. With this information, you will know at any given time how much of your funds you can use for whatever you want – whether it be buying something that you budget to buy, saving more money, or even paying a little bit more against your bills. If the amount shown for Spare Cash is zero – the intelligence within the Millennial Showcase system is guiding you by indicating that you do not have enough funds in your Millennial Showcase Mastercard account to cover your upcoming Bills, Goals, and expected Budget spending; allowing you to adjust one or more of the categories appropriately.

Updating Your Millennial Showcase Mastercard and Account

Why do I need a text message to log in?
For security purposes, we register every device you use to access your Millennial Showcase Mastercard account. When we don’t recognize a device, we’ll send you a text message with a code to register it (standard text message rates apply). If you do not receive the text message or would prefer that we don’t send you one, you may call account services at 1-866-239-2008 to receive your verification code.
What if I need a replacement card?
If you need a replacement card, we recommend you verify your transactions prior to reporting your card lost/stolen. The simplest way to order a replacement card is through the mobile app.   Additionally, you can order a replacement card on the website, or by contacting 1-866-239-2008.
How can I change my PIN?
You can easily change your POS/ATM PIN right through the Millennial Showcase mobile app. Alternatively, you can change your PIN by logging on to website at www.myengageft.com, or by calling 1-866-239-2008.
How do I update my address?
You can update your address through the mobile app, by logging on to website at www.myengageft.com, or by calling 1-866-239-2008. Please be advised that you cannot change your address within 30 days of activation.
What do I do to speak to someone in customer service?
You can call 1-866-239-2008 and select the option for a customer service agent.
How do I lock/unlock my Millennial Showcase Mastercard?
You can lock and unlock your Millennial Showcase Mastercard at any time by logging in to your Millennial Showcase app, selecting Manage Millennial Showcase, then selecting “lock my card.” You can also call us any time at 866-239-2008. While your card is locked, it will be declined for any purchases.
What if my Millennial Showcase Mastercard is lost or stolen?

If you believe that you have temporarily lost your Millennial Showcase Mastercard, you have the option of immediately “Locking” the card account right from your mobile app. If the card is found, you can then just go back into the app and “Unlock” the card account, and you can use the card account normally.

If the card is permanently lost or stolen, you can simply access the mobile app and report it lost/stolen right there. Alternatively, you can call 1-866-239-2008 to report it, or log into the website at www.myengageft.com to change the status of your card and review your transaction history. If your card has been used for unauthorized purchases, a customer service agent will be able to assist you with the dispute process.

Are there fees associated with the Millennial Showcase Mastercard?

The Millennial Showcase Mastercard has no monthly consumer fees.

Please be advised that ATM operators may charge you a fee to use their ATM, and Mastercard rePower® merchants may charge you a fee to load your card account with cash.