The basic path: link your bank account, then transfer
Tremendous cards are prepaid cards issued by employers, platforms, and gift services. To move money from your Tremendous card to a bank account, you log into your Tremendous account online or through the mobile app, add your bank account as a destination, and initiate a transfer. The money lands in your bank account within one to three business days, depending on your bank and the time of day you submit the request.
You cannot transfer directly from the physical card itself—the transfer happens through your Tremendous account, which holds the balance. If you do not have a Tremendous account set up yet, you will need to activate your card first, which creates one automatically.
Tremendous does not charge a fee for transfers to your own bank account. Your bank may charge a fee for receiving an ACH transfer, though most do not.
Key Takeaways
- Log into your Tremendous account online or through the app, then select the option to transfer funds to a bank account.
- You must add your bank account details (routing number and account number) before you can transfer, and Tremendous will verify the account with two small deposits.
- Transfers take one to three business days and are free from Tremendous, though your bank may charge a small fee.
- If your transfer fails or is delayed, check that your routing and account numbers are correct and contact your bank to confirm they accept ACH transfers.
Step-by-step: adding your bank account and transferring money
Start by opening the Tremendous app or going to the Tremendous website and logging in with your email and password. If you have not created an account yet, you will be prompted to do so when you activate your card for the first time.
Once logged in, look for a menu option labeled "Transfer," "Move Money," "Withdraw," or "Bank Account"—the exact wording varies by app version. Select the option to add a new bank account or transfer to an existing one.
Enter your bank's routing number and your account number. You can find both on a check, or by logging into your bank's website or calling customer service. Tremendous will ask whether the account is checking or savings; select the correct type.
Tremendous will then send two small deposits (usually under $1 each) to your bank account as verification. This takes one to two business days. Once the deposits appear in your bank account, return to Tremendous and confirm the amounts to verify ownership. After verification, your bank account is linked and ready to receive transfers.
To transfer money, select the linked bank account as your destination, enter the amount you want to move, and confirm. The transfer will process immediately on Tremendous's end, but the money will not appear in your bank account until one to three business days later, depending on your bank's processing speed.
Why transfers take time and what "business days" means
Transfers from Tremendous to your bank use the ACH (Automated Clearing House) network, which is the same system used for direct deposit and bill payments. ACH transfers batch process at set times each day, and banks do not process transfers on weekends or federal holidays.
If you submit a transfer on a Friday afternoon, it may not leave Tremendous until Monday, and then take another one to two business days to reach your bank—so you might not see the money until Wednesday or Thursday. Submitting early in the day on a weekday gives you the fastest timeline.
Some banks post ACH transfers the same day they receive them; others hold them for a full business day. You can ask your bank how long ACH transfers typically take to appear in your account.
What to do if your transfer fails or does not arrive
If Tremendous rejects your transfer immediately, the most common reason is an incorrect routing or account number. Double-check both against a check or your bank's website. Routing numbers are nine digits; account numbers vary in length but are usually 10 to 12 digits.
If the transfer left Tremendous but has not appeared in your bank account after four business days, contact your bank first. Ask them to search for an incoming ACH transfer from Tremendous. If they have no record of it, the transfer may have been rejected on their end—sometimes because the account type (checking vs. savings) was entered incorrectly, or because your bank does not accept ACH transfers to that account type.
If your bank confirms they received the transfer but it is not showing in your account, ask them to trace it. If your bank has no record at all, contact Tremendous support through the app or website and provide the date and amount of the transfer. Tremendous can check whether the transfer was sent and to which account.
Reversed or rejected transfers typically return to your Tremendous card balance within three to five business days.
Using your Tremendous card at an ATM instead
If you need cash quickly and do not want to wait for a bank transfer, you can withdraw money from an ATM using your Tremendous card. Tremendous cards work at most ATMs that accept Visa or Mastercard (depending on which network your card uses). Check your card or your Tremendous account to see which network yours is on.
ATM withdrawals are usually free at in-network ATMs but may charge $2 to $3 at out-of-network ATMs. The money is available immediately, but you receive it as cash rather than a deposit to your bank account. This is useful for immediate needs but does not move money into your bank account for bill payments or transfers.
Transferring money to someone else's bank account
Tremendous cards are designed for the cardholder to use, not to send money to other people. You cannot transfer your Tremendous card balance directly to another person's bank account through Tremendous.
If you need to send money to someone else, withdraw cash from an ATM and give it to them, or transfer the money to your own bank account first, then use your bank's bill pay or transfer service to send it to them. This adds a step but keeps the money within your control and uses your bank's transfer tools, which are designed for sending money between accounts.
Frequently Asked Questions
Can I transfer money from my Tremendous card to a savings account instead of checking?
Yes. When you add your bank account, you will select whether it is checking or savings. Transfers work the same way to either account type. Make sure you select the correct type during setup, because transfers to the wrong account type may be rejected.
What if I do not know my bank's routing number?
Check a check from your account—the routing number is the first nine digits on the bottom left. You can also log into your bank's website or mobile app and look for account details, or call your bank's customer service line. Do not guess; an incorrect routing number will cause the transfer to fail.
Can I transfer money back to my Tremendous card from my bank account?
No. Tremendous cards are one-way—money can leave the card to go to your bank, but you cannot add money back to the card through a bank transfer. If you need to reload your Tremendous card, the original issuer (your employer, a platform, or a gift service) must add funds to it.
Is there a limit to how much I can transfer at once?
Limits vary by card and issuer. Check your Tremendous account or the terms that came with your card. Most cards allow transfers up to your full balance, but some have daily or monthly limits. If you hit a limit, you can split the transfer into multiple requests across different days.
What happens if I close my bank account after linking it to Tremendous?
If you close the account and try to transfer money, the transfer will fail and bounce back to your Tremendous card within a few business days. Link a new bank account before you close the old one, or wait until after you have transferred all your money out.