# Universe Silver > Mobile banking app for managing deposit accounts and debit cards. (iPhone/iPad app by TMX FINANCE LLC.) - Source: https://appshunter.io/ios/app/universe-silver/id1489327779 (this page in markdown: same URL + `.md`) - Developer: [TMX FINANCE LLC](https://appshunter.io/developer/1126995318) - Category: Finance, Business - Price: Free - Rating: 4.82/5 from 132 App Store ratings · 50 written reviews indexed - Age rating: 4+ - Requires: iOS 11.0 · 39 MB - Languages: English - Released: 2020-02-20 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/universe-silver/id1489327779/reviews.md ## What is Universe Silver? The Universe is Now at Your Fingertips. The Universe Silver™ Mobile App lets you manage your account while you’re on the go. We'll help you stay in control of your money and unlock its full potential: • View and manage your Universe Silver Deposit Account anytime, 24/7 • Keep track of your spending • Pay your bills from your phone • Locate withdrawal and deposit locations • Disable your Universe Silver Debit Card on the app if it’s been lost or stolen • Keep your account secure by enabling fingerprint or face scanning login Universe Silver is an FDIC-insured deposit account. Direct Deposit¹ allows you to take your account to the next level! You can get paid up to 2 days early² and qualify for additional features such as Purchase Cushion and Optional Overdraft Protection³. Universe Silver accounts are currently in a limited release. Visit universesilver.com to sign up for updates and be the first to know when we will begin to open accounts to more customers. 1 A fee of up to $2.00 per transaction applies. May take up to three (3) business days to process. 2 In order for you to be paid early, your payroll or benefits payment provider must submit the deposit early. It is important to note that your payroll or benefits payment provider may not submit the deposit or payment early each payment period. Be sure to ask your payroll or benefits payment provider when they submit your deposit information to the bank for processing. Early deposit of funds will begin upon the 2nd qualifying deposit. A qualifying deposit is defined as a direct deposit greater than $5.00 received from the same payer. 3 Overdraft Protection limit is inclusive of Overdraft Protection Fees. Transactions covered by overdraft protection are debit card transactions. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay a transaction that could overdraw your account, your transaction will be declined. We will charge you a fee of $15 each time we pay a transaction that overdraws your deposit account by more than $15, up to 4 times monthly. The $15 fee will not be charged if your deposit account balance at the end of the day, after all items have posted, is brought back to a positive balance of $0 or greater. Please refer to your Deposit Account Agreement for additional details regarding fees. To be eligible for enrollment in Optional Overdraft Protection an initial minimum qualifying direct deposit of $200 is required with a $200 direct deposit monthly thereafter. The Universe Silver™ Deposit Account is established by Central Bank of Kansas City, Member FDIC. The Universe Silver™ Debit Card is issued by Central Bank of Kansas City pursuant to a license from Visa U.S.A., Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. If you have any questions regarding your Deposit Account or Card, you should consult your Deposit Account Agreement or contact us toll-free at 800-483-6634, 24 hours a day, 7 days a week, 365 days of the year. ## Key features - View and manage deposit account - Track spending - Pay bills from phone - Locate branches - Disable debit card - Biometric login ## Recent user reviews (10 of 50) All indexed reviews: https://appshunter.io/ios/app/universe-silver/id1489327779/reviews.md ### 5/5 — Paid up to 2days early *2021-04-12, version 2.7.5* I love to receive my check 2 days early to care of my financial needs. ### 5/5 — I love the app! *2021-04-12, version 2.7.5* I like how easily accessible this app is! I love that my purchases update immediately! ### 5/5 — Great Service *2021-04-12, version 2.7.5* Early Pay Day is always a plus! ### 5/5 — Customer *2021-04-07, version 2.7.5* I love getting paid earlier and having an extra bank account that I can use to shop on line and save money is awesome!!!! ### 5/5 — Great app! *2021-04-07, version 2.7.5* I’ve had Universe Silver for over a year and I’ve never had any issues, easy to use, and I get paid a day early!! I recommend this to anyone! ### 5/5 — .. *2021-04-06, version 2.7.5* Initially I didn’t have my universal card set up I’m so thankful that I finally set up my direct deposit and I get Paid a day early ! ### 5/5 — Universe Silver Account *2021-04-06, version 2.7.5* I have an account with the Universe Silver card and it’s been very convenient regarding getting cash and getting paid. Every time I get paid the universe silver card receives my money 2 days before. Not only that , but the fees are much less than the other banks ### 5/5 — Quick Information Tool *2021-04-06, version 2.7.5* Fast access to information needed while using Universe Silver. ### 5/5 — Should use this app! *2021-04-06, version 2.7.5* This app is amazing. Not only do you have complete control over your account but you’ll also be able to locate the nearest ATM. Not to mention with this account you’re able to get paid two days early!!! Love it! ### 5/5 — Amazing *2021-04-06, version 2.7.5* I love my universe silver account! I get paid early and have no fees with my direct deposit set up. I also get paid early!! I highly recommend. ## Frequently asked questions about Universe Silver ### What does the Universe Silver app do? The Universe Silver app allows users to manage their FDIC-insured deposit account and debit card from their mobile device. It provides features for viewing account balances, tracking spending, paying bills, locating branches, and securing the account with biometric login. ### What are the key features of the Universe Silver app? Key features include 24/7 account management, spending tracking, mobile bill payments, branch locator, the ability to disable a lost or stolen debit card via the app, and secure login options like fingerprint or face scanning. It also supports early direct deposit and overdraft protection. ### Is the Universe Silver app free to use? The provided description indicates that the app itself is free to download and use for managing your account. However, specific transactions, such as direct deposits, may incur fees as outlined in the account agreement. ### What are the eligibility requirements for Universe Silver? Universe Silver accounts are currently in a limited release. To be eligible for Optional Overdraft Protection, an initial minimum qualifying direct deposit of $200 is required, with a $200 direct deposit monthly thereafter. Visit universesilver.com for updates on account availability. ### How does early direct deposit work with Universe Silver? Direct Deposit allows you to potentially get paid up to 2 days early. This feature depends on your payroll or benefits payment provider submitting the deposit early. Early deposit of funds begins upon the second qualifying deposit, defined as a direct deposit greater than $5.00 from the same payer. ## Version history (last 2 releases) ### 3.1 — 2023-08-31 Universe Silver mobile app and website access will no longer be available after September 29, 2023. For your Universe Silver account history and transaction information, please call Customer Service at 1-800-483-6634. ### 3.0.10 — 2022-10-13 This update includes improved ADA support throughout the app in addition to security improvements for certain documents. Love the app? Rate us! Your feedback helps us make your experience even better! ## Apps similar to Universe Silver | App | Rating | Price | Category | | --- | --- | --- | --- | | [CashNetUSA](https://appshunter.io/ios/app/cashnetusa/id645682433) | 4.8 (34,634) | Free | Finance | | [Hundy - Money When You Need It](https://appshunter.io/ios/app/hundy-money-when-you-need-it/id1209441387) | 3.3 (1,565) | Free | Finance | | [Carpay](https://appshunter.io/ios/app/carpay/id1440081995) | 4.8 (4,867) | Free | Finance | | [Security Finance℠](https://appshunter.io/ios/app/security-finance/id1135450123) | 3.5 (209) | Free | Finance | | [Revolve Finance](https://appshunter.io/ios/app/revolve-finance/id1444911260) | 2.5 (39) | Free | Finance | | [FSNB Mobile Banking](https://appshunter.io/ios/app/fsnb-mobile-banking/id471338414) | 3.7 (184) | Free | Finance | ## More apps by TMX FINANCE LLC - [TM Appraise](https://appshunter.io/ios/app/tm-appraise/id1140317612) - [TitleMax](https://appshunter.io/ios/app/titlemax/id1376904382) - [InstaLoan App](https://appshunter.io/ios/app/instaloan-app/id1508562237) All apps by TMX FINANCE LLC: https://appshunter.io/developer/1126995318 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*