Spending Account Card FAQs
Where can I use my Zenda card?
You can also use your Zenda card online to pay for eligible health expenses, including at drug & grocery stores retail sites.
Please keep in mind, if you have any ineligible items in your cart, you will be asked to provide another form of payment to cover those items.
Be sure to save your itemized receipts, bills, or statements any time the Zenda card is used.
The Zenda debit card CAN NOT be used to pay dependent care providers. The IRS requires the expense must be fully incurred before a reimbursement can be made. Therefore, you must submit an expense through the app or web site to use your DCFSA funds. See our Reimbursement & Claims FAQ below for more information.
Can I get a debit card for my spouse or dependent?
What if I’m prompted to enter a PIN at checkout?
- Select “credit” on the PIN pad if that option is available.
- Simply press the green enter button, without entering a PIN, or any other numbers.
- If the first 2 steps don’t work, ask the cashier for assistance.
NOTE: When using your card at Walmart, you will be required to enter a PIN. They do not allow HSA or FSA cards to be used as “credit”. We recommend setting a PIN in the mobile app or website if you are a frequent Walmart shopper. See “How do I set/rest my PIN?” below for instructions.
How do I set/rest my PIN?
- Navigate to the My Zenda Card screen.
- Select the “Change PIN” option for the appropriate card.
- Enter a 4-digit PIN then re-enter the same 4-digits PIN and Submit.
Your PIN is now set and can be used to complete transactions.
What if I receive a card decline for an ineligible item but I’m confident it’s eligible?
Why did I not receive a notification when my card was declined?
If you encounter such a situation, please send details of the store/merchant to firstname.lastname@example.org so Zenda can advise you on any known problems. Please use an alternate payment method in this instance, and reimburse your expense from the mobile app or website, as appropriate.
What if I lose my card?
“My Zenda Card” screen, and select the “Report Lost” action for the appropriate card. We will cancel the current card and re-issue you a new one. New cards generally take 5-7 business days to arrive in the mail.
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*Banking services are provided by Coastal Community Bank, Member FDIC. The Zenda card is issued by Coastal Community Bank pursuant to a license from Visa U.S.A. Inc. Zenda spending accounts are FDIC insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC. Privacy notice for Coastal Community Bank can be found here.
Investment accounts are not bank guaranteed and not FDIC insured and may lose value.