Effortlessly manage your finances with CHASEFARGO

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FAQ: Is there an option for manual deposit?
Yes, ChaseFargo provides a manual deposit option for users who prefer to handle their funding outside of automated ACH or card transfers. This is often used for specialized transactions or when working with external financial platforms.

How Manual Deposits Work
Manual deposits are handled via a Request and Verification process. Instead of the system pulling funds automatically, you initiate the transfer from your outside institution and provide the transaction details to us for manual reconciliation.

Initiate Transfer: Send your funds via Wire Transfer or a supported external payment gateway using the specific deposit instructions found in your account dashboard.

Submit Deposit Proof: Once you have sent the funds, navigate to the "Deposit" section and select "Manual Deposit."

Enter Transaction Details: You will need to provide:

The exact amount sent.

The transaction reference number or hash.

A screenshot or digital receipt of the transfer.

Verification: Our treasury team manually reviews the transaction. Once the funds are confirmed in our settlement account, they are credited to your Spending Wallet.

Key Details
Processing Time: Unlike automated deposits, manual deposits typically take 2–24 hours to reflect in your account, depending on the time of day and the complexity of the verification.

Approval Status: You can track the status of your deposit (e.g., Pending, Reviewing, Completed) directly within your transaction history.

Limits: Manual deposits often have higher maximum limits than standard card deposits, making them ideal for large-scale funding.

Why use Manual Deposit?
Avoid Automated Failures: Useful if your bank or card issuer frequently blocks automated "pull" requests.

Privacy: Allows you to fund your account without linking a permanent bank connection.

Cross-Platform Flexibility: Easily move funds from various payment processors or digital asset platforms that do not support standard banking protocols.

Important Note: Always ensure the amount submitted in your manual deposit request matches the exact amount sent. Discrepancies may lead to delays in the verification process.

At ChaseFargo, we provide multiple channels to access your funds. Whether you are moving money to an external bank or withdrawing cash, the process is designed to be secure and straightforward.

1. Withdrawal Methods
You can choose from the following methods to move funds out of your Spending Wallet:

Standard Bank Transfer (ACH): Move funds to a linked external bank account. This typically takes 1–3 business days.

Instant Transfer: Send funds to a verified debit card for near-instant access (usually within 30 minutes).

Wire Transfer: Ideal for large sums or international transfers. Requests must be submitted before 2:00 PM EST for same-day processing.

ATM Access: Use your ChaseFargo Debit Card to withdraw cash at any ATM worldwide.

2. Steps to Withdraw
Select "Withdraw": Navigate to the "Funds" or "Wallet" tab in your dashboard.

Choose Destination: Select your linked bank account, card, or the wire transfer option.

Enter Amount: Input the amount you wish to withdraw, ensuring it is available in your Spending Wallet.

Note: Funds in your Savings Wallet must be moved to your Spending Wallet first.

Security Verification: For your protection, you may be asked to enter a One-Time Password (OTP) sent to your registered mobile device.

Confirm: Review the transaction details and fees (if applicable) before submitting.

3. Limits and Schedules
To maintain account security, the following limits typically apply:

Daily ATM Limit: Up to $1,000 per day (can be adjusted for Premium accounts).

Daily ACH Limit: Up to $10,000 for standard accounts.

Holiday Schedule: Withdrawals are not processed on weekends or federal banking holidays. Transfers initiated during these times will be queued for the next business day.

4. Safety & Security
Status Updates: You will receive an email notification the moment a withdrawal request is initiated and another once it has been completed.

Cancellation: ACH transfers can typically be canceled within 30 minutes of the request if they have not yet been batched for processing.

Fraud Prevention: If our system detects a withdrawal attempt from an unrecognized location or device, the transaction may be temporarily held until you confirm it via our support channels.

Tip: If you need to withdraw a large amount for a specific purchase, consider using our "Wire Transfer" option to ensure the highest speed and security.

Refunds at ChaseFargo are processed through a structured system to ensure your funds return to you safely. We prioritize returning money to its original source to maintain security and transparency.1. The Refund LifecycleWhen a refund is initiated, it typically follows these three steps:Request & Approval: Once you or a merchant requests a refund, our team reviews the transaction. Most requests are approved within 24–48 hours.Processing: After approval, the funds are released from our system.Settlement: The money travels back to your original payment method. Depending on the provider, this usually takes 5–7 business days.2. Refund DestinationsTo comply with anti-money laundering regulations, refunds are sent back exactly how they arrived:Original MethodRefund LocationDebit CardCredited back to the card (visible in your card statement).Spending WalletFunds appear directly in your ChaseFargo Spending Wallet.Bank Transfer (ACH/Wire)Sent back to the originating external bank account.3. Key Policies to RememberTimeframe: Refund requests should generally be made within 30 days of the original transaction date.Full vs. Partial: We can process partial refunds if only a portion of a service or order was canceled.Expired Cards: If your card has expired or been replaced since the original transaction, the refund will still be routed to the underlying bank account associated with that card.4. How to Check Your Refund StatusYou don’t have to guess where your money is. You can track it directly:Log in to your ChaseFargo dashboard.Go to Transaction History.Look for the specific transaction. A status of "Refund Pending" means we’ve approved it and are waiting on the banking network, while "Refunded" means the funds have successfully left our system.

Referral Levels & RewardsThe ChaseFargo Referral Program is designed to reward you for growing our community. We use a tiered "Level" system, meaning the more active your network becomes, the higher your earning potential.1. How the Levels WorkOur program typically operates on a multi-tier structure, allowing you to benefit not just from your direct invites, but from the growth they generate as well.Level 1 (Direct Referrals): These are people who sign up using your unique referral link. You earn the highest percentage of rewards from their qualified activities (such as account funding or service usage).Level 2 (Secondary Referrals): When your Level 1 referrals invite someone new, those individuals become your Level 2. You receive a smaller, passive bonus from their activity.Level 3 (Network Growth): In certain account tiers, the rewards extend to a third level, providing a broad base for passive rewards as your network expands organically.2. Reward StructureRewards are credited directly to your Spending Wallet and can be used for bill pay, transfers, or withdrawals.LevelReward TypeBenefitLevel 1Direct Bonus10% of their first deposit / transaction fee.Level 2Passive Bonus5% of their qualified activity.Level 3Network Bonus2% of their qualified activity.3. How to ParticipateGet Your Link: Navigate to the "Referral" or "Affiliate" tab in your ChaseFargo dashboard.Share: Copy your unique link or QR code and share it with friends, family, or your professional network.Track Growth: Use your real-time Referral Analytics to see how many people have joined and monitor your pending rewards.4. Rules and RequirementsQualified Sign-up: A referral is usually considered "active" once they complete their identity verification (KYC) and make their first deposit.No Self-Referral: Creating multiple accounts to refer yourself is strictly prohibited and will result in the suspension of all associated accounts.Payout Schedule: Referral bonuses are typically calculated instantly but may have a brief holding period (e.g., 7 days) to account for any potential refunds or disputes.Want to increase your percentages?Users with Business or VIP status often unlock higher reward percentages and additional referral levels. Check your "Account Limits" page to see how to upgrade.