How to Transfer Funds From the True Link Wallet to the Cardholder's Card

The True Link Wallet* is a virtual card with its own balance, separate from the balance on the cardholder's physical True Link Visa® Prepaid Card. Because the two balances are separate, you can keep money in the Wallet and move it to the cardholder's physical card only when they need it. Transfers from the Wallet to the physical card are typically available the same day, which makes this the fastest way to get funds to a cardholder.

In this article, you'll learn how to schedule a one-time or recurring transfer from the virtual card to the cardholder's physical card using the True Link online dashboard, and when those funds will be available. If you'd prefer to do this from your phone, see How to Transfer Funds From the True Link Mobile App.

If you haven't opened a Wallet yet, start with How to Open a True Link Wallet. To add money to the virtual card, see Scheduling Transfers With Your True Link Wallet. To move money from the cardholder's physical card to the virtual card, see How to Transfer Funds From the Cardholder's Card to the True Link Wallet.

Before you begin

• You'll need full access. Only full access administrators can schedule transfers. If you have assistant or view-only access, please ask a full access administrator on your account to complete these steps.
• The Wallet must have funds in it. A transfer can only move money the virtual card already holds. You can check the available balance in the Wallet section of the Client View page.
• Know which card is which. The cardholder's physical card and the virtual card each have their own last four digits. You'll use them in the To field to confirm the money is heading to the physical card.

Schedule a transfer from the Wallet to the physical card

The Funding tab has one Transfer funds button in place of the separate green Transfer buttons. You'll choose where the money is coming From first.

If you manage one True Link Visa Card, the Client View page is the first page you'll see when you sign in. If you manage multiple True Link Visa Cards, open the Client View page for a cardholder by clicking the View link in that cardholder's row on the All Clients page.

1. Click the Funding tab at the top of the Client View page.
2. Click Transfer funds. The Transfer funds window opens.

3. Under From, choose the Wallet. It's listed under True Link accounts with the cardholder's first name and the last four digits of the virtual card, for example "Jordan's Wallet (...4821)".
4. Click Next. The window fills in the cardholder's card in the To field for you.

5. Check the From and To fields. From should show the Wallet, and To should show the cardholder's card, for example "Jordan's Card (...1937)". Check the last four digits in the To field before you submit, so the money lands on the cardholder's physical card rather than the virtual card. If either field is wrong, click Change selected accounts to choose again.
6. In the Amount To Transfer field, enter the dollar amount to make available on the physical card.
7. Under Frequency, choose One Time for a single transfer. To repeat the transfer on a schedule, or whenever the physical card's balance runs low, see Setting up a recurring transfer below.
8. Under Transfer Date, keep today's date to move the money right away, or choose a later date.
9. To add a note for your own records, click + Add Memo. This step is optional.
10. Check the green box below the date. For a transfer dated today, it reads "Funds arrive instantly!" For a later date, it shows the day the funds will be available.
11. Read the authorization statement, then click Submit.

12. A confirmation appears. For a transfer dated today, it reads "Instant transfer complete!" and lists the Amount, From, To, and Delivered on date. For a later date, it reads "You've scheduled a transfer." Click Done.

Starting from the Overview tab

You can also start this transfer from the Overview tab of the Client View page. In the Wallet section, click Instant transfer to card. The Transfer funds window opens with the Wallet in From and the cardholder's card in To. Then follow steps 5 through 12 above.

Setting up a recurring transfer

A recurring transfer moves the same amount from the virtual card to the cardholder's physical card on a schedule, or whenever the physical card's balance runs low. In step 7, choose one of these options instead of One Time. The fields below Frequency change to match your choice:

• Weekly – under Starting on, choose the day of the week. Any day works, including Saturday and Sunday.
• Monthly – under On the, choose the day of the month.
• Twice every month – under On the and And the, choose the two days of the month.
• When the balance goes below... – under Balance threshold, enter the balance that should trigger a transfer. A threshold transfer generally initiates within one business day of the physical card's balance falling below the amount you set.

You can add a note in the Memo field. Then read the authorization statement and click Submit. Your recurring transfer stays in place until you change or delete it.

When your money will be available

Transfers from the virtual card to the cardholder's physical card are typically made available on the same day the transfer initiates. For a one-time transfer dated today, that means the funds are usually ready to spend right away.

Check the green box before you submit. It tells you when your funds will be ready to use: "Funds arrive instantly!" for a transfer dated today, or a day, for example "Funds will be available Friday, October 16th," for a later date.

You can read more in Funding Timelines and Limits.

Please be aware

• Two balances, two purposes. The cardholder can use their physical card to spend money, and the virtual card is typically used by administrators to support the cardholder for certain purchases (e.g., large purchases, or subscriptions managed with support from the administrator like a cell phone bill).
• Confirm the destination. Check the last four digits in the To field before you submit, so the money lands on the cardholder's physical card rather than the virtual card.
• The transfer date is not always the availability date. Transfers between the Wallet and the physical card can be instant, while transfers submitted via a linked funding account or via direct deposit will take at least 1 business day to become available.
• Transfer limits. Each transfer can be up to $5,000. A transfer dated today can't be more than the Wallet's available balance.
• The Wallet needs its own funding. Moving money to the physical card lowers the Wallet balance. To top the virtual card back up, see Scheduling Transfers With Your True Link Wallet.

What happens next

Once you click Done, the window closes. On the Funding tab, a transfer dated today appears under Transfer history. A transfer with a later date appears under Transfers in the next 7 days or Future one-time transfers, and a recurring transfer appears under Recurring transfers. Back on the Client View page, the Wallet section shows the updated available balance once the transfer completes, and the cardholder's physical card tile shows the new balance.

From here, you may want to:

• Scheduling Transfers With Your True Link Wallet – add more money to the virtual card.
• Managing Recurring Transfers – edit, skip, or delete a recurring transfer.
• Accessing the Wallet Virtual Card – find the 16-digit card number and CVV for purchases made from the virtual card.

If you have any questions about transferring funds from the virtual card, please don't hesitate to contact our Customer Support team.

*The True Link Wallet (or "Wallet") is a True Link Visa Prepaid Card issued as a virtual card by Sunrise Banks N.A., Sioux Falls, SD 57108, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement. True Link Financial, Inc. is a financial technology company and not a bank.