You can always reach out to us, we generally prefer email.


Most of your questions are answered in our FAQs but we're here if you need anything!


Have questions? We've got answers.

What is ChangeFi ?

ChangeFi is the digital first banking solution built for Black, Latino and additional overlooked Americans. We know that your money matters which is why we’re bringing equal access to banking. Join the ChangeFi Familia today!

What is ChangeFi's mission ?

Our goal is to empower overlooked communities to pursue their dreams by providing equal access to financial tools they need. We're addressing and helping to eliminate the social and racial inequities associated with traditional banking.

ChangeFi is powered by The Change Company, America's CDFI. We are on a mission to increase prosperity within diverse communities through home and business ownership.

How long does it take to sign up for ChangeFi?

Opening a ChangeFi account can be done in minutes (with some exceptions). Once you successfully sign up, it can take anywhere from 7-10 business days to receive your plastic card. The good news is your physical card will be mailed to you directly.

Who can use ChangeFi?

ChangeFi is available to citizens and permanent residents of the fifty (50) United States (“U.S.”) and the District of Columbia who are at least 18 years of age with a valid Social Security or ITIN number.

What fees does ChangeFi charge?

ChangeFi has no monthly fees. Please check out our cardholder agreement to learn more.

Will opening a ChangeFi account affect my credit score?

Opening a ChangeFi Account will not impact your credit. We use your Social Security Number (SSN) to verify your identity and to keep our members safe from fraud.

Is ChangeFi a bank?

No, our banking and debit card services are provided by Evolve Bank, Member FDIC, pursuant to license by Visa. Program Management services provided by Galileo Financial Technologies, LLC.

Are my deposits insured by the FDIC?

Yes! ChangeFi card deposits are FDIC insured up to $250,000 through Evolve Bank, Member FDIC.

Are there any transaction limits with ChangeFi? 

Yes, your ChangeFi account has limits to protect you against fraud and theft. The initial limits are:

$2,000 Daily Spending Limit: This is the limit of all card transactions you can perform in a day, so purchases online and at merchants in person will count towards this limit.

$1,000 Daily ATM Cash Limit: The ATM cash limit allows you to withdraw up to $500 at an ATM per day. This does not include the out-of-network fee an ATM may charge and this limit counts towards your daily spending limit.

Limits can be adjusted per the cardholder's request, subject to some restrictions.

My identity couldn't be verified. Now what?

There may be circumstances where we're unable to verify your identity. If this happens, we'll work with you to complete your application over the phone.


Can’t find what you are looking for? Get in touch with us in the form below and we will get back to you within 1-2 business days.

Get in touch

Change Lending
175 North Riverview Drive
Anaheim, CA 92808

Change Finance
P.O. Box 867
Culver City, CA 90232

Open Hours

Monday - Saturday: 9am - 7pm

Sunday: 12am — 6pm

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