Auto-reload makes your card convenient to use for everyday spend. When you make a purchase, a matching deposit will be made from your linked bank account to your card. This keeps your card loaded to your target balance to match your spending needs, allowing you to use your Think Local Card instead of your debit card.
We recommend that you set your auto-reload target to at least 3-5 days worth of purchases, based on your current lifestyle.
During registration, you will be asked to set up your Auto-Reload Settings for your Think Local Card. This auto-reload target specifies how much money you wanted loaded to your card at any given time.
As a special offer for you during registration, Obsidian will give you 5 bonus points for every dollar in your auto-reload target up to $500. For example, if you set your auto-reload target to $200, you'll receive 1,000 rewards points - enough to get an awesome reward immediately once you've completed your registration! The higher you set your reload target, the more bonus points you can receive.
Your card load deposits are insured by the FDIC, so you can feel confident that your funds are always protected. You can also unload funds from your card at any time. Unload requests received by 1:55pm EST will be credited back to your bank account on the same day.