Frequently Asked Questions

TACH is a financial technology platform, designed specifically for independent carriers, to ensure both financial and operational reliability.

TACH provides automated expense management and business support services such as truck rentals, 24/7 roadside assistance, premium tire discounts, and more through industry-leading partners.

No, TACH is NOT a factoring company. With TACH, you can keep your current factoring company.

No, TACH is NOT a bank. TACH offers business banking services for independent carriers through our partner banks.

The TACH Business Account and TACH Trucker Funding Program Visa® Prepaid Cards are provided by our FDIC-insured banking partners.

Yes! You can absolutely keep your current factoring company.

TACH works alongside your existing factoring relationship. Simply connect your factoring company deposits to your TACH account, and you'll get access to:

• Truck repair invoice factoring (labeled as "cash advances") for working capital
• Expense management and categorization
• Business banking tools
• CFO-level financial analytics

All while maintaining your current factoring arrangement.

Yes, you can keep your current fuel card (Comdata, WEX, EFS, etc.).

TACH's business banking and cash advance services work independently of your fuel card. Many carriers use TACH alongside their existing fuel cards.

TACH also offers the TACH Trucker Funding Program Visa® Prepaid Card that works at any truck stop nationwide, where Visa Debit Cards are accepted, if you prefer.

TACH offers three membership tiers designed for trucking businesses at different stages:

All tiers include smart budgeting tools and partner discounts. No contracts—change or cancel anytime.

Choose based on your business needs and transaction volume:

• Starter: Best for new carriers testing TACH services or those with lower transaction volume who want minimal fixed costs.
• Core: Best for established carriers who want cash back rewards⁴ and better cash advance rates with predictable monthly costs.
• Pro: Best for high-volume fleets who want maximum cash back⁴, the best cash advance rates, and included roadside/rental services.

You can upgrade or downgrade anytime—changes take effect at your next billing cycle.

Yes, you can change tiers at any time. Tier changes take effect at the start of your next monthly billing cycle.

• Upgrades: New benefits (better rates, higher cash back) begin at the next billing cycle.
• Downgrades: Current benefits continue until the end of your billing cycle.

TACH provides 24/7 roadside assistance coordination through FleetNet America, including:

• Towing and recovery
• Tire service and replacement
• Mobile mechanic dispatch
• Fuel delivery
• Lockout service

Pricing by tier:

Service fees are charged at the time of use. Actual repair or towing costs are billed separately by the service provider.

TACH Rental Access provides $0-deposit truck and trailer rentals through our partner networks including Ryder and Penske.

• No security deposit required
• Flexible rental terms
• Access to nationwide inventory
• Streamlined booking process

Access fee by tier:

Access fees are for TACH's rental access service. Actual rental charges (daily rates, mileage, fuel) are billed separately by the rental company.

TACH pricing is based on your membership tier:

All tiers include business banking², prepaid cards¹, cash advances^*, and partner discounts. Higher tiers unlock better cash advance rates, cash back rewards⁴, and included services.

See the Membership Tiers section for a full comparison.

No hidden fees and no long-term contracts.

TACH operates on a month-to-month basis. Membership pricing by tier:

• Starter: $0/month (one-time $99 app fee)
• Core: $99/truck/month
• Pro: $1.25% of revenue deposits

Additional fees may include cash advance^* fees (based on tier and repayment term) and per-use service fees for roadside assistance or rentals.

No setup fees. No monthly minimums. No cancellation fees. No prepayment penalties.

Change or cancel your tier anytime—changes take effect at the next billing cycle.

TACH invoice factoring^* (labeled as "cash advances") uses a flat fee structure that varies by tier.

There is no compounding interest—just flat fees based on your tier and repayment term. Higher tiers get better rates.

For complete fee details by tier, see Legal Disclosures below.

TACH invoice factoring^* (labeled as "cash advances") uses a transparent, flat-fee structure that varies by membership tier.^***

No compounding interest—just flat fees. See Legal Disclosures below for complete details.

No, TACH does not require long-term contracts.

You can use TACH services month-to-month with no commitment. Each cash advance is its own agreement with flexible 1-6 month repayment terms that you choose.

Cancel anytime with no penalties after your current advances are repaid.

TACH offers flexible repayment terms from 1 to 6 months. Choose what works for your cash flow.

Repayment terms of 2-6 months are subject to fees, with longer terms having higher fees.

Repayments are automatically deducted from your incoming deposits, so you never miss a payment.

For complete fee structure by term length, see Legal Disclosures below.

TACH integrates with the tools you already use:

• QuickBooks Online - Export transactions from TACH and upload to QuickBooks
• Motive (KeepTruckin) - ELD data and fuel transaction tracking
• ACH/direct deposit - From brokers and shippers
• Banking APIs - For account connectivity

All integrations are secure, encrypted, and designed specifically for trucking operations.

Yes, TACH integrates with Motive ELD systems.

Connect your Motive account to automatically track:

• Fuel purchases and locations
• Maintenance expenses
• Mileage data for IFTA
• Cost-per-mile calculations

Learn more at /how-to-link-with-motive

TACH's banking services are provided through multiple FDIC-insured partner banks:

• TACH Trucker Funding Program Visa® Prepaid Card: Issued by Pathward®, N.A. (Member FDIC)
• TACH Business Accounts: Provided through our partner banks (Member FDIC)

Your deposited funds are FDIC insured up to $250,000 per depositor through our partner banks, providing the same protection as traditional bank accounts.

Yes, TACH is a legitimate financial technology company serving independent carriers nationwide.

We use bank-level security:

• 256-bit encryption for all data transmission
• Secure API connections with your bank and factoring company
• 24/7 fraud monitoring and suspicious activity detection
• FDIC-insured banking partners for all accounts

TACH is transparent about fees, terms, and operations—no hidden charges or predatory practices.

Cash back rates vary by membership tier:

• Pro: 3% on fuel, 2% on other qualifying purchases
• Core: 2% on fuel, 1% on other qualifying purchases
• Starter: No cash back

There is no cap on the amount you can earn. Cash back is paid monthly to your TACH account. Exclusions apply to certain transaction types.

See our Terms and Conditions for full program details, eligibility requirements, and exclusions.

The following transaction types do not earn cash back:

• Personal and non-business expenses: Purchases for personal, family, or household use; purchases made with funds transferred from personal bank accounts or other non-revenue sources
• Cash and cash-like transactions: Cash advances, ATM withdrawals, money orders, wire transfers, person-to-person payments (Venmo, PayPal, Zelle, Cash App)
• Stored value: Gift card purchases, prepaid card reloads, cryptocurrency purchases
• Gambling and lottery: Casino chips, lottery tickets, online gambling
• Third-party payment services: Rent payments via Plastiq, tax payments via third-party processors
• Fees and refunds: Account fees, interest charges, returned purchases

Cash back earned during a calendar month is paid out at the end of the following calendar month.

For example:

• January purchases → Paid at end of February
• February purchases → Paid at end of March
• March purchases → Paid at end of April

Payouts are deposited directly into your TACH account on the last business day of the month.

The minimum payout is $5.00. If your balance is less than $5.00, it rolls over until the minimum is met.

If your TACH account is closed—whether by you or by TACH—all accrued but unpaid cash back is forfeited.

Cash back that has already been deposited to your account prior to closure is yours to keep.

To receive all your earned cash back, ensure you wait until after your final payout before closing your account.

TACH and traditional load factoring serve different purposes:

Use both together for maximum working capital!

Most carriers benefit from using both.

Together, they provide comprehensive financial support for your trucking business.

Quick pay and TACH serve different needs:

TACH doesn't replace quick pay—it complements it with additional working capital and efficient business banking services.

Income deposits into your TACH account become available within 2 business days. This is fast and speedy compared to some traditional banking timelines.

These income deposits typically come from:

• Your factoring company - After they pay you for freight invoices
• Brokers - Direct payments for loads
• Shippers - Direct payments from your customers

Once deposits arrive in your TACH account, the funds are immediately available for business expenses, cash advances^*, or transfers.

After your income deposit becomes available in your TACH account (within 2 business days), you have full access to:

• Pay expenses - Use your TACH Trucker Funding Program Visa® Prepaid cards¹ and TACH Business Account² for fuel, repairs, and operating costs
• Request cash advances^* - Get working capital for truck repairs with flexible repayment terms
• Transfer funds - Move money to external bank accounts as needed
• Track finances - View categorized expenses and profit/loss in real-time

Note: Income deposits are subject to a small processing fee^**. See Legal Disclosures below for details.

Deposits are processed on business days only (Monday-Friday, excluding bank holidays).

For example:

• Deposit initiated Monday → Available by Wednesday
• Deposit initiated Friday → Available by Tuesday (skips weekend)
• Deposit initiated before holiday → May take an extra business day

The 2-business-day timeline ensures reliable, predictable access to your income while providing time for bank processing and security checks.

TACH differs from Relay, AtoB, and traditional fuel cards:

Relay/AtoB focus: Fuel cards and expense management

TACH focus: Business banking, working capital, cash flow management, truck rental access, 24/7 emergency roadside assistance, and tire discounts

You can use TACH alongside Relay or AtoB if you prefer their fuel cards.

Comdata and WEX are fuel card companies; TACH is a business banking platform for independent carriers.

You can keep your Comdata or WEX card and use TACH for banking, cash advances, expense management, truck rentals, and more.

Both TACH and LoadPay offer digital banking solutions for truckers, but they focus on different aspects of carrier financial management.

CloudTrucks and TACH serve different business models for owner-operators. CloudTrucks is a virtual carrier platform; TACH is a financial management platform.

TACH and OTR Clutch (by OTR Solutions) are both business banking platforms for truckers, but they emphasize different features and benefits.