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About Green Dot and the AARP Foundation Prepaid MasterCard®:

Just "click" a question for the answer.

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Starter Card

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Using your Personalized Card

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Adding a Second Card

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Adding money to the Card

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Direct Deposit

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Tax Refund

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Card Fees

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Your Balance and Transaction History

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Card Expiration/Canceling

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Account Alerts

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Green Dot Mobile

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Online Bill Pay Service

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Savings

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About Green Dot and the AARP Foundation Prepaid MasterCard®

Who is Green Dot?

Founded in 1999, Green Dot is a leading provider of prepaid cards and owner of the nation’s largest retail cash reload and payment networks. We have millions of customers and are growing. For more information about Green Dot Corporation, visit www.greendotcorp.com.

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What is AARP Foundation?

AARP Foundation is one of the leading charitable organizations dedicated to helping low-income, vulnerable older adults meet their everyday needs – food, housing, income and personal connections. Through community programs and services across the country, we help seniors remain independent and live a better life.

AARP Foundation is AARP’s affiliated charity. Green Dot pays royalty fees to AARP Foundation for the use of its intellectual property. These fees are used for the charitable purposes of AARP Foundation.

Please contact Green Dot directly with questions about the card.

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What is the AARP Foundation Prepaid MasterCard brought to you by Green Dot?

The Personalized Card is a prepaid MasterCard card that you can use everywhere Debit MasterCard is accepted worldwide. There's no line of credit associated with your Card. It's a prepaid card which means you will need to add money to your Card in order to use it. Personalized Cards can be used at ATMs and can also be reloaded (more money can be added to them). Your purchases and ATM withdrawals are debited from your Card balance. Balance, spend and reload limits apply. Please consult the Cardholder Agreement and these FAQs for information on how to get the most from your new Card.

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How is the Prepaid Card different than a Gift Card?

Unlike gift cards, prepaid cards are personalized with your name, allow you to make ATM withdrawals in addition to making purchases, and can be reloaded. The Starter Card that is included in the package can be used to pay for purchases until your Personalized Card arrives in the mail. You cannot make ATM transactions or other cash withdrawals until you activate your Personalized Card.

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How is the Prepaid Card different than a Credit Card?

This Card is prepaid, which means you need to add money to your Card in order to use it. It does not offer a line of credit like credit cards.

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Does buying or using this Card build my credit rating?

No, it is a prepaid card. Because no credit is granted and no payments are required, this Card does not build credit history.

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If I have bad credit can I still get a Card?

Yes, there is no credit check to obtain the Card.

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Where can I get a Card?

Cards can be found at a variety of retailers. To find the retailer nearest you, click here. You can also order a Card online by clicking here.

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What is necessary to get a Card?

All you have to do is visit one of Green Dot’s participating retailers to purchase the Card and call or go online to provide your personal information to set up the Card. Federal law requires Green Dot to obtain, verify and record your name, address, date of birth, and Social Security number when you set up the Card. The cardholder's personal information will be kept on record upon Card activation and the cardholder's name will be embossed on his or her Personalized Card. If a valid Social Security number is not provided, or Green Dot is unable to verify the personal information provided, a Personalized Card embossed with your name will not be issued. Green Dot may choose to permit you to use the Starter Card until the balance on the Starter Card is fully spent or you may receive a refund check within 7-10 business days.

You may use the Starter Card in person at stores accepting Debit MasterCard to purchase goods or services over the Internet, by mail order, and by telephone from participating MasterCard merchants. Your Starter Card has no ATM or cash access.The Starter Card cannot be used for any purchase at a merchant that cannot authorize your card “real-time,” for cash access, or at merchants outside of the United States.

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How old do you have to be to use the Card?

You must be at least 18 years old to register as a primary cardholder. Any second cardholder must pass the verification process in order to receive and use a personalized second card.

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Can I immediately use a Card that I ordered online?

No. Cards that have been ordered online must be loaded with money before they can be used for purchases. Therefore, you must wait until you receive your Card in the mail and then load the Card to be able to use it. If you are interested in a Card for faster use we suggest that you buy a Card at a participating retailer. Click here to find the nearest Retailer. Load your Card at checkout, then successfully set up your Card online or over the phone, and you are ready to go upon successful verification of your personal information provided.

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Can I buy and register more than one Card?

Yes. In addition to your Personalized Card, you have the option of requesting a second Personalized Card to give to a friend or family member. A second card fee may apply. However, the second cardholder will need to provide his or her personal information and successfully pass identity verification. Green Dot may limit the number of Cards issued to you at its sole discretion.

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Your Starter Card

What is the Starter Card?

The packages that you purchase in stores include a Starter Card that you can use to pay for purchases until your Personalized Card arrives in the mail.

You may use the Starter Card in person at stores accepting Debit MasterCard to purchase goods or services over the Internet, by mail order, and by telephone from participating MasterCard merchants. Your Starter Card has no ATM access. The Starter Card cannot be used for any purchase at a merchant that cannot authorize your card “real-time,” at ATMs or at merchants outside of the United States.

The Starter Card and the Personalized Card are not intended for gift card use.

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How do I add more money to my Starter Card?

Sign up for Direct Deposit. It is a free and easy way to reload your Card. The funds are immediately available on your Card on payday.

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Where can I use my Starter Card?

Once you successfully register your Starter Card, you can use your Starter Card everywhere Debit MasterCard is accepted in the U.S. They can be used at stores for signature purchases or PIN purchases. For a signature purchase, all you have to do at the register is select "credit" and sign. For a PIN purchase, select “debit” and enter the PIN you selected when you registered your card. You can also use your Starter Card online, and to make purchases over the phone.

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Is there any place I cannot use my Starter Card?

Starter Cards cannot be used to make ATM transactions or other cash withdrawals, cannot be used to make purchases outside of the US, including purchases made online or over the phone with companies that are outside of the US.

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Using your Personalized Card

How long does it take to receive my Personalized Card in the mail?

You will receive your Personalized Card 7-10 business days after you set up your Starter Card. Cards are shipped first class U.S. Mail the next business day after set up. You can use your Starter Card to make purchases while you wait for your Personalized Card. After activation of the Personalized Card, the amount on your Starter Card will automatically be transferred to the Personalized Card and you will no longer be able to use the Starter Card.

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Is my Personalized Card ready to use when I receive it?

No, for your protection you need to go to www.AARPFoundationCard.com/Sticker or call Green Dot at 888-226-4155 to activate your Personalized Card.

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Is there any place I cannot use my Personalized Card?

Your Card cannot be used for gambling or business purposes. Green Dot may close your Card if you use your Card for either purpose.

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Can I withdraw money from an ATM?

Yes, once you have successfully activated your Personalized Card and reset your PIN. Although you will select a 4 digit PIN (Personal Identification Number) when you register your Starter Card that came in the package, the Starter Card does not have ATM or cash access. ATM fees may apply; see your Cardholder Agreement and Fee Table for more information.

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What can I do if I forget my ATM PIN?

If you forget your PIN or would like to change it, you can do so online by clicking here or by calling Customer Support at 888-225-6091.

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Can I spend more money than I have on the Card?

Sometimes, due to the way transactions are processed, a merchant will accept your Card even though you didn't have enough money on it. This happens only rarely, but if it happens, you are still responsible for this payment and Green Dot will deduct the amount you owe from any future reloads. Please refer to the Cardholder Agreement for more information.

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Are there any overdraft penalty fees?

No, there are no overdraft penalty fees.

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Can I use my Card to pay for automatic monthly payments (i.e., gym memberships, cable TV, cell phone bill, etc)?

Yes, you can use your Personalized Card for recurring payments. However, it is your responsibility to make sure you have enough funds available on your Card each time the recurring transaction is due. These merchants may suspend or cancel your service if you don't have enough money left on your Card when they attempt to charge the monthly payment. This could be dangerous if the recurring charge is for an essential service. Please refer to your Cardholder Agreement for more information.

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Can I use the Card to rent a car?

Your prepaid Card may be used to rent a car, but rental car companies "authorize" (have money held) for much more money than the actual cost of the rental car. The reason is that the rental car company won't know if they need to charge you for additional expenses like gas, car damage and extra days until you return the vehicle. These authorized funds will be held and unavailable for you to spend until the final transaction is posted to your statement. This means that you might not have access to these funds for as long as 90 days. To avoid problems when you rent, our advice is to first call the rental car company and ask them what their policy is regarding the use of prepaid debit cards.

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What if someone steals my Card or uses it without permission?

If you lose your Card or believe it to be stolen, you must immediately report your Card lost or stolen, click here to report your Card lost or stolen. You can also call Green Dot at 888-225-6091 to report your Card lost or stolen. Green Dot will cancel your Card and transfer the funds from that Card to a new Card that will be sent to you.A Card replacement fee may apply, please see your Cardholder Agreement.

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Adding a Second Card

Can I get a second Card for the same account to share with a friend or family member?

Yes. In addition to your Personalized Card, you have the option of requesting a second Personalized Card to give to a friend or family member at no additional cost. The second Card will be personalized with his or her name on it. Both your Card and the second Card will have the same account number; so both Cards will have access to the available funds loaded to the account.
You can request a second Card by clicking here.

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Adding Money to the Card

How do I add more money to my Personalized Card?

Enroll in Direct Deposit! Direct Deposit is the free and easy way to reload your Personalized Card! The funds are immediately available on your Card on payday. Click here to learn more. Besides Direct Deposit, you can also reload your Card by going to a participating retailer or setting up an online reload from your bank. Fees will apply for non-direct deposit reloads. Starter Cards are also reloadable with Direct Deposit.

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How do I reload my Card by going to a retailer?

To reload at a participating retailer you can purchase a MoneyPak®. MoneyPaks can usually be found in the same section where prepaid cards are sold. Give the cashier the MoneyPak along with the money you wish to load onto the Card. After the cashier has loaded the funds to the MoneyPak go to AARPFoundationCard.com or call Green Dot at 888-225-6091 to apply the funds to your Card. Most retailers charge $4.95 for this service in addition to the amount you wish to load onto the Card.

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If I bought my Card at one store, can I reload it at a different store?

Yes. Click here to find other participating retailers in your area.

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Can I wire funds from my Bank to my Card?

No. Green Dot does not accept wired funds. However, there are convenient ways to add money to your card. Direct Deposit is the free and easy way to reload your Personalized Card! The funds are immediately available on your Card on payday. Click here to learn more. Besides Direct Deposit, you can also reload your Card by purchasing a MoneyPak at a participating retailer or setting up an online reload from your bank. Fees may apply for non-direct deposit reloads.

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Is there a limit on how much I can load onto my Card?

Yes. The daily per Card reload limit is $2,500. Green Dot, in our sole discretion, may accept loads through Direct Deposit in excess of these limits.

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What is the maximum balance I can have on my Card?

The maximum balance is $2,500. Green Dot, in our sole discretion, may allow balances in excess of these limits if the Card is loaded through Direct Deposit.

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Direct Deposit


How do I begin using Direct Deposit?

The process is easy! There are two ways to enroll—one for federal government benefits, and a second for paychecks, state government benefits, and other sources of income.

Method 1: Federal Government Benefits

  1. Verify that you receive one of the following benefits administered by the U.S. Treasury:
    1. Social Security
    2. Supplemental Security Income
    3. Veterans Compensations and Pension (Veteran's Education/MGIB, Education/Selected Reserve, Vocational Rehabilitation, and Life Insurance must currently use Method 2 below)
    4. Federal Civil Service (including Retirement/ Annuity and Survivor/ Annuity)
  2. Go to AARPFoundationCard.com/directdeposit and click the "Get Started" button or call the Green Dot Direct Deposit Hotline at 866-795-7974. By answering a few simple questions, Green Dot can help you submit your direct deposit enrollment request electronically to the U.S. Treasury. There is no paperwork to fill-out or submit.
  3. Once your request has been processed, you will normally start receiving your benefits on your Card within 1 to 2 pay periods.

Method 2: Paychecks, State Government Benefits and Other Sources of Income

  1. Ask your payroll or benefits office if they offer Direct Deposit. If they do, simply visit AARPFoundationCard.com/directdeposit, click on the "Get Started" button, and Green Dot will create a personalized Direct Deposit form for you.
  2. Fill out the Direct Deposit form and give it to your payor and they will enroll you.
  3. Once you've submitted your form, you will normally start receiving your pay on your card within 1 to 2 pay periods.

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Do I have to Direct Deposit my entire paycheck? How much of my pay can I elect for Direct Deposit?

With the exception of Federal Government Benefit payments, you can elect to have as much or as little of your paycheck or state benefits payment deposited to your Card as you like. The choice is completely yours, and you can cancel or change the amount of your Direct Deposit at any time.

However, if you enroll in Direct Deposit for Federal Government Benefits (such as Social Security, Supplemental Security Income, Veterans Benefits, Federal Civil Service, or Railroad Benefits), the entire amount of your benefit payment must be deposited to your Card. You can cancel the Direct Deposit of your Federal Government Benefits at any time, but you cannot change the amount of your Federal Benefits Direct Deposit.

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How can I be sure the deposit was made?

You can review your Transaction History online to ensure the deposit was made. You can also call the Green Dot automated Support Line at 888-225-6091 to hear your most recent Direct Deposit amount and date. In addition, your payor will usually give you a payment stub or notice that lets you know the amount of the payment deposited to your Card.

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My Direct Deposit was supposed to be deposited today, but I don’t see it on my available balance. What happened?

The exact time of day that your paycheck is deposited onto your Card might vary from payday to payday. If you are concerned about the status of your Direct Deposit please follow these steps:

  1. Contact your payor to verify that the Direct Deposit was sent. If so, ask them for the TRACE # of your Direct Deposit transaction.
  2. Once you have the TRACE #, call the Green Dot Customer Support toll-free at 888-225-6091 and a Customer Support Specialist will investigate the transaction. NOTE: If you have recently reported your Card lost or stolen please make sure to tell the Customer Support Specialist when you call.
  3. Customer Support Specialist will get back to you within 48 business hours with the status of your Direct Deposit.

If you enrolled in Direct Deposit for Federal Government Benefits, you should contact the agency that administers your benefit.

  • Social Security and Supplemental Security Income: Contact the Social Security Administration at 800-772-1213 or visit the Social Security website
  • Veterans Benefits: Contact the Department of Veterans Affairs at 877-838-2778
  • Federal Civil Service: Contact the Office of Personnel Management/ Civil Service at 888-767-6738
  • Railroad Benefits: Contact your nearest Railroad Retirement Board office. The telephone numbers for the Railroad Retirement Board can be obtained by calling 877-772-5772 or visiting RRB Locator Service

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How do I cancel my Direct Deposit?

To cancel your Direct Deposit, you must contact your employer or the payor of your benefits. They will tell you how to cancel the service.


For information on how to cancel Direct Deposit on your Federal Government Benefits, click here or contact the agency that administers your benefit.
  • Social Security and Supplemental Security Income: Contact the Social Security Administration at 800-772-1213 or visit the Social Security website
  • Veterans Benefits: Contact the Department of Veterans Affairs at 877-838-2778
  • Federal Civil Service: Contact the Office of Personnel Management/ Civil Service at 888-767-6738
  • Railroad Benefits: Contact your nearest Railroad Retirement Board office. The telephone numbers for the Railroad Retirement Board can be obtained by calling 877-772-5772 or visiting RRB Locator Service

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Can I stop using Direct Deposit and still keep my Card?

Yes. If you decide you no longer want to use Direct Deposit, just contact your payor. They will tell you how to cancel the service.

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Can tax refunds for other people be direct deposited to my card?

No. In accordance with IRS guidelines you can direct your refund to your card; you cannot direct your refund to someone else’s card. If we receive a tax refund intended for individuals other than the cardholder, the refund will be rejected and/or your card may be blocked, pending additional verification. For more details from the IRS about tax refunds, click here.

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Tax Refund

How can I get my tax refund Direct Deposited to my card?

Having your tax refund automatically deposited to your card is easy! When you fill out your tax return, simply enter your card's routing and direct deposit number in the space provided on your tax form. Note that for direct deposit and tax refund purposes, your card is designated as a "checking" account, check that box on your tax form.

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How do I check the status of my tax refund?

We do not have the status of your tax refund. The IRS provides estimated dates for when federal refunds will be sent. If you have not yet received your refund and would like to check the status, please visit the IRS web site at www.irs.gov and select "Where’s My Refund" or call the IRS Refund Hotline at (800) 829-1954.

For information about your state refund, please contact your state government agency.

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Can I receive tax refunds for other people on my card?

No. In accordance with IRS guidelines you can direct your refund to your card; you cannot direct your refund to someone else’s card. If we receive a tax refund intended for individuals other than the cardholder, the refund will be rejected and/or your card may be blocked, pending additional verification. For more details from the IRS about tax refunds, click here.

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Card Fees

What are the fees?


Here is a complete schedule of the Card fees:
Fee Type Fee
Initial Purchase $4.95 or less if purchased at a Retailer. This fee is for both the purchase of the Card and the initial cash load.
Monthly Service Fee $5.95. Waived in any monthly billing cycle when you:
  • load at least $1,000 to your Card;
  • have 30 posted purchase transactions
    (excludes all ATM declined withdrawals, ATM balance inquiries, teller cash advances and online bill payments at www.AARPFoundationCard.com) or
  • load at least $250 to your Card using direct deposit
ATM Withdrawal & Teller Cash Advance
  • No Charge at in-network* ATMs
  • All other ATM withdrawals: $2.50**
  • Teller cash advance: $2.50
ATM Balance Inquiry at Non-Network ATMs $0.50**
Lost/Stolen Card Replacement $4.95
Reload at Retail Location Varies by retailer, up to $4.95.
Second Card No Charge
Foreign Transactions 3% of total transaction amount

* To find the in-network ATM nearest you, visit www.AARPFoundationCard.com.In-network ATM transactions are also surcharge free. click here.

** When you use an ATM outside of designated network, you may be charged a fee by the ATM operator (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

If a Monthly Service Fee is applicable, it is assessed at the end of each monthly billing cycle. Your monthly billing cycle lasts for 30 days and begins on the day you set up your Card.

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Will a Monthly Service Fee be assessed even if I don't use the Card?

Yes. Your Card is subject to the Monthly Service Fee as long as it is open.

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Will a Monthly Service Fee be assessed even after the balance falls below $0?

Yes, no more than two Monthly Service Fees will continue to be assessed after the balance falls below $0, at which point the fees will no longer accumulate. Please note that Green Dot will deduct this amount from any future reloads.

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How can I get my Monthly Service Fee waived each month?

Have 30 purchases posted to your Card OR load $1,000 to your Card OR load at least $250 to your Card using Direct Deposit in any billing cycle and Green Dot will waive your Monthly Service Fee! Qualifying purchases only include transactions where you are paying for goods or services with your Card and do not include ATM declined withdrawals, ATM balance inquires, teller cash advances and online bill payment at www.AARPFoundationCard.com.
Purchases must post to your Card during the billing cycle to count towards a Monthly Service Fee waiver for that period. Check your progress towards a Monthly Service Fee waiver on your Account Summary page.

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Your Balance and Transaction History

How do I check my Card balance and transactions?

You may check your balance and transaction history online 24/7 by logging into your account at www.AARPFoundationCard.com. You may also call Green Dot customer support at 888-225-6091. There is no charge to check your balance online or over the phone. You can also request account alerts, a special feature that allows you to receive your Card balance to your email, cell phone or both. Additionally, you can set up your Card to be able to send a text message to Green Dot to request your balance. Please note that Green Dot does not charge customers to receive a text message. However, your mobile provider's standard rates for sending and receiving text messages still apply.

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What are pending transactions?

This is the amount of money that has been set aside for purchases made with your Card, but have not yet been collected by the merchant.

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What is the difference between purchases that are pending and posted?

Due to the way merchants process transactions, purchases may not post to your Card for a few days. To make sure you have enough money for a purchase, merchants request approval for the purchase amount. This holds the money for them and is considered a “pending” purchase until the merchant actually collects the money from Green Dot which is when it becomes a “posted” purchase. You can review your pending and posted purchases on the Transaction History page.

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Why is the amount pending sometimes different than what I actually spent?

  • Some merchants, such as hotels, car rentals and restaurants, have a policy that requires them to pre-authorize and temporarily hold an amount of money from your Card balance that is greater than your actual purchase amount.
  • Once your purchase is processed by the merchant, your Card balance will reflect the amount of your actual purchase and the held funds will become available for immediate use.
  • Availability of the pre-authorized funds can take up to 10 (90 for car rentals) days to be released back into your Card balance.

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I bought something but my balance doesn't show any money taken off. Why?

Many website and phone merchants process all of their orders at the end of the day. It may take 24-48 hours before you see the charge on your Card.

Another reason is that most website and phone order companies only charge your Card when the merchandise is shipped, not when it is ordered. The merchant may not charge your account until they ship your merchandise a few days (or weeks) later.

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I bought something online and it was declined but I had enough money for the purchase. Why?

The purchase you made online might have been declined because the address you provided to the merchant is different than the address Green Dot has on file for your Card. If you need to update your address click here.

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I bought something online and it was declined but I still got charged for the purchase. Why?

The funds were placed on hold to cover the cost of your purchase but the purchase was declined because the address you provided to the merchant does not match the address Green Dot has on file for your Card. When this happens, it takes 10 business days for the funds to be released back to your Card.

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I bought something for X amount of dollars, but my balance is only down by $1. Why?

Many website and phone merchants will do what's called a "dollar authorization." This means that they check to see that your account is valid, but they only hold $1.00 until they ship the merchandise. Then, they'll charge the full amount.

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What do I do if I have a question or think there is an error on my Card?

In case of errors or questions about your card, write to us at AARP Foundation Prepaid MasterCard Customer Service, P.O. Box 1187, Monrovia, California 91017 or telephone us at 888-225-6091. Call us or write to us as soon as you can if you think an error has occurred in your card account. If writing us, a Transaction Dispute Form is available for your convenience at www.aarpfoundation.com . We must allow you to report an error until 60 days after the earlier of: (i) the date you electronically accessed your account, provided the error could be viewed in the electronic history; or (ii) the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by writing us at Written History Request, P.O. Box 1187, Monrovia, California 91017 or by calling 866-963-6224. When notifying us, you will need to tell us: (i) your name and Card number; (ii) why you believe there is an error, and the dollar amount involved; and (iii) approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 days to investigate. If we need more time we credit your Card within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not provisionally credit the Card. We also may not credit the card if the error does not represent a qualifying dispute, as identified in the Disputes with Merchants section of the Cardholder Agreement. Click here for more details.We will let you know the results of our investigation within three business days of completing it. If we decide that there was no error, we will send you a written explanation.

You agree that any unauthorized use does not include use by a person to whom you have given authority to use the card or PIN and that you will be liable for all such uses by such person. For example, if you have given your card or card information to another person to use, such as a friend or relative, you are responsible for that person’s transactions with your card, and if you have given your card information to a merchant for a transaction, you have given authority to that merchant to debit the card for that transaction.

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Card Expiration/Canceling

My Card is about to expire. How can I make sure I will receive my new Card?

Make sure the address you have on file with Green Dot is correct. If it is not, you can update it by logging into your account online, selecting the "Support" tab then "Edit Contact Info" under the "Account Settings". You can also call customer support at 888-225-6091 to update your address.

You must also meet both of the following requirements to receive a new Card:

  • have more than $0 on your Card 30 days prior to the expiration date; or
  • have reloaded or made a purchase on your Card within the last 90 days prior to the expiration date

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How do I cancel my Card?

To cancel your Card you can call customer support at 888-225-6091. You can also log into your account online, go to the "Security" tab and then click on "Close Card." When your account is cancelled, all funds remaining on the Card will be converted into a check and mailed to the mailing address Green Dot has on record.

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Account Alerts

What are Account Alerts?

Account Alerts is a special feature that will allow you to receive your Card balance to your email or cell phone or both. Please note that Green Dot does not charge customers to receive a text message. However, your mobile provider's standard rates for sending and receiving text messages still apply.

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What type of Account Alerts can I choose from?

You can choose:

  • Daily Balance: get your balance sent to you every day
  • Weekly Balance: get your balance sent to you once a week (Mondays)
  • Reload Now Alerts: you get reload reminders when your balance gets to $25 or less

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You can choose to receive any of these type of alerts sent to your email or as a text message to your cell phone. You can choose to have your account alerts sent to up to two different email addresses.

Please note that Green Dot does not charge customers to receive a text message. However, your mobile provider's standard rates for sending and receiving text messages still apply.

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I am not getting the Alerts - What can I do?

  • Confirm your email address and/or your mobile phone number and carrier are accurate on your Green Dot Account Alerts Maintenance Web page
  • Confirm that your wireless plan and carrier allow for receipt of text messages
  • Account alerts will be deactivated if your balance is zero for 7 continuous days or your Card has been inactive for 60 days. You may re-enroll at any time and will receive alerts as long as your balance is greater than zero and have had purchase or reload activity in the last 60 days

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Why does the amount delivered on the Alert differ from what is shown online and over the automated telephone service?

The amount on the Alert is typically your balance from the night before the alert was sent. To be sure, please read the entire message as it contains the date and time that your balance was taken. The balance shown online and the automated telephone service is the most current balance.

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How do I cancel the Alerts?

You can turn off cell phone and email alerts at any time through the website. Click here to stop account alerts.

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Green Dot Mobile

What is Green Dot Mobile?

Green Dot Mobile lets you access the most important features of Green Dot on your mobile phone. It's easy to use! With Green Dot Mobile you can:

  • Check your balance
  • Find a reload location

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Do I have to sign up for this service?

Yes, in order to use this service you have to register your cell phone number. To register, click here.For more information click here

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How do I check my balance with this service?

Just send a text message "Bal Last4" to 43411 where Last4 is the last 4 digits of your Card number.
Carrier message and data rates apply.

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How do I find the nearest reload location?

Just send a text message "Loc ZipCode" or "Loc City State" to 43411. Carrier message and data rates apply.

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How much does it cost?

It's free. Green Dot does not charge for the use of Green Dot Mobile. However, standard text messaging rates may apply from your wireless carrier.

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Online Bill Pay Service

What's the benefit of signing up for Online Bill Pay?

Benefits:

  • Convenient — No special trips to pay your bills, no need to write checks, or pay for stamps
  • Easy — Set up monthly payments and pay your bills automatically
  • Track and control your spending

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How do I enroll in Online Bill Pay?

It is easy to sign up for Online Bill Pay!

  1. Select "Online Bill Pay" from the navigation bar
  2. Click on the "Sign Up Now" button
  3. After you have accepted the Bill Payment Agreement and verified your email, you will be ready to pay bills using your Card

Please note that only Personalized Cards are eligible to enroll in the Online Bill Pay Service.

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Is there a fee?

You will not be charged any fees for bill payment transactions.

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Who can I pay?

You will be able to pay almost any bill. Thousands of billers who accept electronic payments are supported, including many utility companies, cell phone providers, and others. You can view a complete list of billers when you add your first payee. If your biller accepts electronic payments, your payment can often be made as early as the next business day as long as you submit your payment request prior to 1:00 pm ET.

You can also send paper checks to companies or individuals. This might include rent checks to your landlord, or the payment to your paper deliverer. Paper checks are sent via US mail so delivery timeframes vary but are usually within 5 business days. Please plan your payments accordingly. You may not send payments to any recipient outside of the United States.

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Is there a minimum or maximum amount I can pay someone?

There is no minimum amount that can be paid, but there is a $1,000 maximum limit on each individual bill payment. Your bill payments will also count against the daily $2,500 spend limit on the Card.

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When will my payees receive their money?

Each time you submit a bill payment, you will be able to see both the debit date — the date the funds will be removed from your Card balance and the payment date — the earliest day that the biller may receive the bill payment.

If your payee is included in the list of thousands of billers who accept electronic payments, your payments may arrive as early as the next business day, as long as you submit your request for payment before 1:00 pm ET. If you submit your request for payment after 1:00 pm ET, your electronic payment will be received by the biller on the second business day after your scheduled payment.

You also have the ability to schedule any payment to arrive on any future business day, up to a year in advance. The payment calendar allows you to view the date your money will leave your Card, as well as the earliest date your money may be received by your payee.

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What happens if there is not enough money to cover a payment?

If you schedule a payment prior to 1:00 pm ET today with a debit date of today, attempt will be made to process the payment immediately. If there are not enough funds to cover the payment, you will see a message that the payment was declined.

If a payment fails due to insufficient funds, you can load money onto your Card and resubmit the payment with the same debit date if the additional funds are loaded prior to 1:00 pm ET. If your additional funds are loaded after 1:00 pm ET, you will need to resubmit your payment with a debit date of the following business day.

If you have scheduled a payment for a future date, attempt will be made to authorize the payment on that future date. If there are not enough funds to cover the payment by 1:00 pm ET on that date, then the bill payment will fail and a failure notification will be sent by email. You should check your email to ensure that your scheduled future payments are made.

It is your responsibility to make sure there are sufficient funds on your Card before 1:00 pm ET on the date the payment is scheduled for debit from your Card.

You must provide a valid email address when you enroll for Online Bill Pay. This is the only method for you to receive payment failure notifications.

If your payment is declined due to insufficient funds, then you will need to resubmit the payment request once you have loaded sufficient funds onto the Card.

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Savings

How do I set up a Savings Account?

From your online Account Summary page select “Open Savings Account” or click here to get started.

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Is there a cost to set up a Savings Account?

No. There is no charge to setup a Savings Account that is tied to your active Card.

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Do I earn interest on my Savings Account?

Yes, you earn interest on your Saving Account. Contact Green Dot at www.AARPFoundationCard.com or call Green Dot at (888) 255-6091 to determine current rates in effect at this time.

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Is there a limit to the number of transfers I can make?

Yes. You can make no more than 6 transfers from your account each statement period. For full details please refer to the Online Savings Account Agreement.

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How do I transfer funds from my Card to my Savings Account?

Funds can only be transferred online. You can transfer funds anytime or set up an automated periodic transfer such as $10 per day, week or month. From your Account Management page select “Make Transfer”.

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What happens to my funds if I close my savings account?

All your funds in your savings account will be transferred to your Card balance. Please note that once you close your account, you cannot open another savings account with the same Card.

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