Quick answers about your toWealth Mastercard account, payments, and Tier 1 services. Can't find what you need? We're one call away.
The easiest way to access your account is through the toWealth Mobile App — available on the App Store and Google Play. Once logged in you can view your balance, transactions, statements, and more. You can also call us at (800) 988-7782 to access your account through our automated IVR system, 24 hours a day.
Open the toWealth Mobile App and tap Forgot Password on the login screen. You'll receive a reset link via the email address on file. If you don't receive the email within a few minutes, check your spam folder. Still having trouble? Call us at (800) 988-7782 and a representative can verify your identity and assist you.
You can update your phone number, email address, and mailing address directly in the toWealth Mobile App under Account Settings. For changes to your Social Security Number or legal name, please call us at (800) 988-7782 so we can assist you securely.
Your statements are available in the toWealth Mobile App under Statements. You can view and download up to 24 months of statements at any time. Prefer paper statements? Call us at (800) 988-7782 and we can mail them to your address on file.
The fastest way to pay is through the toWealth Mobile App — just tap Make a Payment, enter your amount, select your bank account or debit card, and confirm. You can also set up AutoPay so you never miss a due date. Prefer to pay by phone? Call (800) 988-7782 and our IVR will walk you through it 24/7.
We accept ACH bank transfers (checking or savings account) and debit card payments. Credit card payments are not accepted. ACH transfers are free; debit card payments may be subject to a convenience fee as disclosed at the time of payment.
Payments submitted before 5:00 PM ET on a business day are typically credited to your account the same day. Payments submitted after 5:00 PM ET or on weekends and holidays will post the next business day. ACH transfers may take 1–2 additional business days to fully clear your bank.
In the toWealth Mobile App, go to Payments › AutoPay and follow the prompts to link a bank account and choose your payment amount (minimum payment, statement balance, or a fixed amount) and payment date. You can modify or cancel AutoPay at any time in the app or by calling (800) 988-7782.
If you miss your due date, a late fee may be assessed as described in your Cardholder Agreement. Your account may also be reported to credit bureaus after 30 days past due. We recommend setting up AutoPay to avoid missed payments. If you're experiencing financial hardship, call us at (800) 988-7782 — we may have options to help.
Your current balance, credit limit, and available credit are displayed on the home screen of the toWealth Mobile App as soon as you log in. You can also call (800) 988-7782 and our automated system will read your balance information to you.
Credit limit decisions are made by The Bank of Missouri, the issuer of your toWealth Mastercard. Please call us at (800) 988-7782 and a representative can submit a credit limit review request on your behalf.
If you see a transaction you don't recognize or believe is in error, call us immediately at (800) 988-7782. Our team will open a dispute on your behalf and work with The Bank of Missouri's dispute resolution team. You can also initiate a dispute through the toWealth Mobile App by tapping the transaction and selecting Dispute this charge.
To opt out of SMS marketing messages, reply STOP to any text message you receive from us. To opt out of marketing emails, click the Unsubscribe link in any promotional email. For all other opt-out requests, email help@Tier1Credit.com or call (800) 988-7782. See our Communications Policy for full details.
Call us immediately at (800) 988-7782. Our IVR can place a temporary freeze on your account 24/7. Live agents are available 7 days a week, 6:00 AM – 6:00 PM Arizona Time, to fully process the report and order a replacement card. Do not delay — report a lost or stolen card as soon as possible to limit your liability.
Declines can happen for several reasons: insufficient available credit, a security hold, an expired card, or a mismatch in billing information. Check your available credit in the toWealth Mobile App first. If your credit looks fine, call us at (800) 988-7782 and we'll look into your account and help resolve the issue.
Standard replacement cards are mailed within 1–2 business days and typically arrive within 7–10 business days. If you need your card sooner, ask about expedited delivery options when you call (800) 988-7782.
Tier 1, LLC is the credit card servicer for the toWealth Mastercard. We are based in Phoenix, Arizona and handle all account management, payment processing, and customer support for cardholders. The toWealth Mastercard is issued by The Bank of Missouri, a federally chartered FDIC-insured bank. Learn more about us.
Our automated IVR system is available 24 hours a day, 7 days a week for account balance inquiries and payment processing. Live agents are available 7 days a week, 6:00 AM – 6:00 PM Arizona Time. Call us at (800) 988-7782 to reach our automated system anytime, or a live agent during business hours.
To request deletion of your Tier 1 Mobile App data, visit www.tier1credit.com/delete-my-data or email help@Tier1Credit.com. Please note that certain data may be retained as required by law or for legitimate business purposes. See our Privacy Policy for full details.
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The toWealth Mobile App lets you check your balance, make payments, view transactions, and manage your account — without waiting on hold. Download it free today.