Employees like you asked, we answered. If you’re still unsure, you can contact us directly by emailing care@rain.us, by calling 1-424-369-RAIN, or chatting with us in the app.
General
A DDA is a bank account where funds can be deposited and withdrawn at any time.
A debit card is a physical or virtual card that allows you to access funds in your DDA for purchases, ATM withdrawals, and other transactions.
A debit card withdraws funds directly from your bank account for purchases, while a credit card allows you to borrow funds up to a limit and repay them later, often with interest.
You can access the Deposit Account Terms of Service at rainapp.com/terms/tos-card and the Deposit Account E-Sign Agreement at rainapp.com/terms/e-sign-card.
You can reset your PIN by logging into the Rain app and navigating to the 'Forgot PIN' section of the 'Cards' tile or by calling our card support at (833) 480-0566.
Entering the wrong PIN repeatedly may lock your debit card for security. If your card is locked due to too many incorrect PIN entries, contact our card support at (833) 480-0566 for assistance.
'Available Balance' is the balance as a result of all transactions, including those pending. 'On Deposit' reflects the balance as a result of only posted transactions, excluding those that are pending.
At this time, you can only have one Rain Visa® Debit Card associated with your Rain Bank Account.
Getting Started
If your application was denied, we will not be able to provide you a Demand Deposit Account and you will not receive a debit card. You will receive an email with more details about the denial.
Once your application is complete, your card typically arrives within seven (7) business days at the shipping address provided during sign up.
You can activate your card by logging into the Rain app and navigating to the 'Cards' tile or calling our card support at (833) 480-0566. Make sure you have the card on hand before activating.
To set up direct deposit, go to the 'Account Details' section of the 'Cards' tile in the Rain app. Locate your Account Number and Routing Number, then provide these details to your HR department or enter directly in your employer's payroll provider system. Once you've updated your direct deposit details, on your next paycheck you should see these funds deposited into your Rain Bank Account.
To add funds, log into the external account you want to transfer money from and add your DDA account details to initiate the transfer. You can find these details in the 'Account Details' section of the 'Cards' tile in the Rain app.
Transactions
Fees may apply, review our Deposit Account Terms of Service (rainapp.com/terms/tos-card) for details.
Some common fees include:
Limits may apply, review our Deposit Account Terms of Service (rainapp.com/terms/tos-card) for details.
Some common fees include:
Yes, you can use your card for online transactions. Make sure your card is activated before use.
Yes, you can use your outside of the United States, review our Deposit Account Terms of Service (rainapp.com/terms/tos-card) for details. A 3.00% currency conversion and foreign transaction fee may apply.
To dispute an unauthorized transaction, contact us at disputes@rainapp.com or call (833) 480-0566 to begin the dispute process.
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