FAQs

What is the Tipstoday Program?

It’s a Bank and Network sponsored program that enables your employer to direct deposit your earnings, expenses, milage, or commisions to your Today™ mobile wallet every day. No monthly or annual fees.

How do I activate my card?

Your manager will invite you to download the app via SMS (text). Log in using your mobile number with the temporary password provided in the SMS (text) invitation. Create your own permanent password. If your phone supports the feature, you can set up fingerprint or face recognition to login. Activate your Today card by scanning the QR code or entering the 13-digit proxy number found on the back of your card. Your Today Card is now active and linked to your mobile account. You’ll start receiving deposits as soon as your employer is ready.

 

Where can I find my PIN and how can I use the tap feature?

Your PIN is available in the app once your card is activated. To find it, tap the ‘More’ button from the menu and then look for ‘My Card’. Once selected, you will be able to view your PIN and proxy number, suspend or unsuspend your card or activate a new card. You can not change your PIN, however, you can refer to it in the app any time. If your PIN is compromised, please suspend your card in the app and contact customer service. Your Today card is tab enabled to allow for contactless purchases. To activate the feature you need to insert your card and your PIN at a POS at least once.

Where can I use this card?

You can use your card for free, anywhere Visa and Mastercard are accepted worldwide! In-store, online, and even as a payment method for your favourite apps such as Uber, Lyft, or Skip the Dishes. *Refer to the logo on your card to determine which network your card is on.

How will I receive my tips?

Your tips will be directly deposited to your Today™ mobile wallet for free, on a schedule decided by your manager. You will receive a text message as soon as funds have been directly deposited into your mobile wallet!

Now that my tips are digital, can they be tracked by the CRA?

The card is not registered to your SIN, nor does it report anything to the government. This card remains anonymous. The responsibility remains with the cardholder to report earnings.

Are there any added features with this card?

Yes, we have a few optional features, including e-Transfer and free Bill Pay. You can also send money to another Today Wallet for free, with Account to Account transfer. This feature is often used in businesses that do tip pooling among employees. You can also have other wages, such as your pay cheque, directly deposited into your mobile wallet account. From the online member portal, simply print a Today Wallet account "void cheque" and direct deposit form, that you can deliver to your employer. This bank routing number is linked to your wallet, facilitating direct deposits through the US and Canadian banking systems.

Can I take cash from an ATM?

Yes. We've established partners in the Canada and the United States to give you access to a Surcharge Free ATM network. You can withdraw cash for free from any of the network ATMs but make sure you select "credit" when asked what type of card.

Note: You may be charged a $2.50 out-of-network fee to withdraws funds at other ATMs, plus any fees from the ATM provider.

We don't have an ATM locator in-app but you can find your nearest ATM with the map: ATM Locator

What happens if I lose the card?

If you lose your card, you have the ability to suspend it. Your funds will remain safe until you retrieve a new Today™ card from your manager. Your funds will be immediately transferred over to the new card.

What is Card to Card Transfer?

This free feature allows you to move funds from your Today card to another Today card by simply entering in the proxy number found on the back of the card.