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Fee-free In-Network ATMs and Get a $0 Monthly Maintenance Fee with Direct Deposit.

While In-Network ATMs are available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Account. The standard Monthly Maintenance Fee is $9.95 and can be waived with a qualifying Deposit. See the Demand Deposit Account Agreement for more details.

Optional Overdraft Protection/ODP:

The Overdraft Protection (“ODP”) Service is an optional service made available to eligible Customers by Pathward. Once you enroll and meet eligibility requirements, you will be charged a $15 fee for each purchase or transaction settlement greater than $5 that occurs while your Account available balance is overdrawn beyond the $10 Balance Buffer, up to four (4) Overdraft Protection Services Fees per calendar month. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we may not pay an overdraft if you fail to meet the eligibility requirements or attempt too many transactions or transactions that create too large of an overdraft. Contact Customer Service or log in to your Account for full terms and conditions that apply, including eligibility requirements and standard overdraft practices. This service may be expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your Account even if you opt-out of the service.

QuickPay Direct Deposit 2 days/4 days early:

Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer's support of the feature and timing of payer's funding.

Optional Savings Account:

The optional Savings Account linked to your CARD Premium Bank Account by Pathward is established by Pathward, N.A., Member FDIC. Interest is calculated on the Daily Balance of the Savings Account and is paid quarterly. The interest rate paid on the entire balance will be 0.0499% with an annual percentage yield (APY) of .05%. The interest rate and APY may change. The APY was accurate as of 08/17/2020. The minimum balance required to open the Savings Account is $10. The minimum daily balance required to obtain the advertised APY is $10. You must receive one (1) payroll or government benefits direct deposit to be eligible to open a Savings Account. Savings Account funds are withdrawn through the Premium Bank Account and transaction fees could reduce the interest earned on the Savings Account.

Third-Party Services:

Optional services (such as Venmo, CashApp, Google, Apple Etc) are not CARD, Pathward or Visa products or services nor does CARD, Pathward or Visa endorse this offer. Third-party fees may apply.

RapidAlerts/Download CARD app:

Standard data rates, fees, and charges may apply.

FDIC:

Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your Account. CARD is not itself a bank or a FDIC-insured institution and the FDIC’s deposit insurance coverage only protects against the failure of a FDIC-insured institution. Pathward, N.A., is a FDIC-insured depository institution.

Add Cash/Bank Transfers:

Third party bank fees may apply.

Mobile Check Funds/Deposit Check Funds:

Mobile Check Capture is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding at Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your Account. Unapproved checks will not be funded to your Account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your Account. See your Demand Deposit Account Agreement for details.

USA Patriot Act/Verify Identity:

10. Important information for opening an Account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other documents at any time.

Apple Information

Information courtesy of Apple.

Green Dot fees

‡ Retail service fee up to $4.95 and limits may apply. Keep the receipt as proof of your transaction.

Service provided by Green Dot® ©2025 Green Dot Corporation. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739. This is an optional service and is not a Pathward or Visa product or service nor does Pathward or Visa endorse this offer. Third-party fees may apply.

Western Union fees