Banking services provided by Pathward, N.A., Member FDIC.
Banking services provided by Pathward, N.A., Member FDIC.
Banking services provided by Pathward, N.A., Member FDIC.
Gazelle eliminates distractions and helps you attack your money goals fast with features you'll love . . .
You work so hard for your money—but monthly fees and credit card payments steal it from you. Unfortunately, that's normal. Until now.
At Ramsey, we don't settle for normal. Normal sucks. Normal is broke.
Gazelle is the debit card, spending account and mobile app that helps you outrun normal.
Unrivaled Support
Talk to a real human.
Faster6 Direct Deposit
Get paid up to 2 days faster.
Cash-Back Rewards7
Yep—even with a debit card!
Have a feature request? Email gazelle.help@ramseysolutions.com.
Gazelle is a debit card, spending account and mobile app that all work in sync to help you spend and save the Ramsey way. No, Ramsey has not become a bank. We've simply partnered with a bank—Pathward, N.A., Member FDIC—to provide the banking services.
Opening an account is free. Download the app8 from either the App Store or the Google Play Store and follow the steps to apply. Deposit Account opening is subject to registration and ID verification. Online access required to complete registration.
Gazelle has no monthly fees to maintain your account. There's no overdraft, so there are no overdraft fees. There are a few instances where fees could occur—like using an out-of-network ATM. See your Deposit Account Agreement for details.
Once your account is approved, you'll typically receive your Gazelle Debit Card within 7–10 business days.
Don't let the Mastercard logo fool you. The Gazelle Debit Card is not a credit card. Mastercard is essentially one of three networks on the planet that provide a way for debit cards to communicate with merchants so transactions are processed successfully. That's it and that's all!
You'll be able to link your current bank account inside Gazelle and move money9 into Gazelle anytime. You can even change your direct deposit with your employer to move a specific amount each payday. Bonus: With direct deposit, you'll get paid up to two days early!6
Cash-back rewards are never a reason to buy something, especially if it traps you in debt. But they can be a nice benefit if you were already budgeting for and planning to make that purchase. Our cash-back rewards are supported by our partner Netspend. You'll earn rewards (often up to 5% or 10%) for companies based on your spending habits and store offers at any given time. Simply activate the reward before you make your purchase.
Have a feature request or question? Email gazelle.help@ramseysolutions.com.
1 Other fees may apply. See your Deposit Account Agreement for details.
2 No ATM owner surcharge or ATM Cash Withdrawal Fees for domestic ATM withdrawals at MoneyPass ATMs (”in-network ATMs”). Visit the Gazelle Mobile app for a list of in-network ATMs. All other ATMs may apply an owner’s surcharge fee in addition to the ATM Cash Withdrawal Fee disclosed in your Deposit Account Agreement.
3 Pathward, N.A., and Mastercard are not affiliated in any way with this statement.
4 Based on comparison of Gazelle transactions being available to track in EveryDollar vs. transactions from other bank accounts.
5 Upon successful activation and registration of the Account, funds on deposits at Pathward, N.A., Member FDIC, are insured up to the standard maximum deposit insurance limit. Coverage limit is subject to aggregation of all of Accountholder's funds held on deposit at Pathward, N.A.
6 Faster funding claim is based on a comparison of the Pathward, National Association, policy of making funds available upon receipt of payment instructions versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the time of payor’s payment instruction.
7 Netspend Payback Rewards is an optional program. Reward offers are based on individual shopping habits. Cash-back rewards are credited to your Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in the Gazelle app for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. Pathward, N.A., and Mastercard are not affiliated in any way with this program and do not endorse or sponsor this program.
8 No charge for this service, but your wireless carrier may charge for messages or data.
9 Bank Transfer is a money transfer service provided by Netspend Corporation (NMLS# 906983). See netspend.com/licenses.
Gazelle is a demand deposit account established by Pathward, National Association, Member FDIC, and the Mastercard Debit Card is issued by Pathward, N.A., pursuant to license by Mastercard International Incorporated. Netspend is a service provider to Pathward, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.
Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated. Card may be used everywhere Debit Mastercard is accepted.
Apple® and Apple Pay® are trademarks of Apple Inc. A list of compatible Apple Pay devices can be found here: https://support.apple.com/en-us/HT208531.
Google Pay™ and Google Play™ are trademarks of Google LLC.
©2022 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.
1 Other fees may apply. See your Deposit Account Agreement for details.
2 No ATM owner surcharge or ATM Cash Withdrawal Fees for domestic ATM withdrawals at MoneyPass ATMs (”in-network ATMs”). Visit the Gazelle Mobile app for a list of in-network ATMs. All other ATMs may apply an owner’s surcharge fee in addition to the ATM Cash Withdrawal Fee disclosed in your Deposit Account Agreement.
3 Pathward, N.A., and Mastercard are not affiliated in any way with this statement.
4 Based on comparison of Gazelle transactions being available to track in EveryDollar vs. transactions from other bank accounts.
5 Upon successful activation and registration of the Account, funds on deposits at Pathward, N.A., Member FDIC, are insured up to the standard maximum deposit insurance limit. Coverage limit is subject to aggregation of all of Accountholder's funds held on deposit at Pathward, N.A.
6 Faster funding claim is based on a comparison of the Pathward, National Association, policy of making funds available upon receipt of payment instructions versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the time of payor’s payment instruction.
7 Netspend Payback Rewards is an optional program. Reward offers are based on individual shopping habits. Cash-back rewards are credited to your Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in the Gazelle app for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. Pathward, N.A., and Mastercard are not affiliated in any way with this program and do not endorse or sponsor this program.
8 No charge for this service, but your wireless carrier may charge for messages or data.
9 Bank Transfer is a money transfer service provided by Netspend Corporation (NMLS# 906983). See netspend.com/licenses.
Gazelle is a demand deposit account established by Pathward, National Association, Member FDIC, and the Mastercard Debit Card is issued by Pathward, N.A., pursuant to license by Mastercard International Incorporated. Netspend is a service provider to Pathward, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.
Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated. Card may be used everywhere Debit Mastercard is accepted.
Apple® and Apple Pay® are trademarks of Apple Inc. A list of compatible Apple Pay devices can be found here: https://support.apple.com/en-us/HT208531.
Google Pay™ and Google Play™ are trademarks of Google LLC.
©2022 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.
©2022 Lampo Licensing, LLC. All rights reserved.