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Fees and Limits

See the fees and limits for your card here.

Green Dot App

Balance and transaction history

  • Quickly check your balance and transaction history online 24/7 by logging in to GreenDot.com or the mobile app.

    You may also add your mobile number with Green Dot by logging in to your account and selecting Account Settings. Then you can text the following commands to 43411:

    • To get your balance, text “BAL Last4″ to 43411 (where Last4 is the last 4 digits of your card number).
    • To check your transactions, text “HIST Last 4” to 43411 (where Last4 is the last 4 digits of your card number).

    We don’t charge customers to receive a text message, but your carrier data and message rates still apply.

  • 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 us, which is when it becomes a “posted” purchase. You can review your pending and posted purchases on the Transaction History page.

  • 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. Once your merchandise has shipped, the $1 is refunded and will disappear from your transaction history. Then, you will be charged for the full amount of your order.

  • 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.

  • 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 days (90 days for car rentals) to be released back into your card balance.

    In some instances, the initial pending transaction will not include the tip. Once your purchase is processed by the merchant, the tip will be included in the amont posted to the account.

  • It’s important to note that Merchant’s names or locations for your transactions may not look familiar. Many merchants use their corporate or headquarters information instead of the particular store information where you made the purchase. There may also be a delay in the posted date of the transaction. These are normal business practices. If the amount and date of the purchase are accurate, you may use that as your validation of the charge.

    In case of errors or questions about your card, write to us at Green Dot Customer Care, PO Box 5100 Pasadena, CA 91117. Write to us as soon as you can if you think an error has occurred in your card account. 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, PO Box 5100 Pasadena, CA 91117. 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.

    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. More details are available here. 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.

  • If you think you may have been scammed, please contact your local police department. You can also submit a fraud report with Green Dot click here. Do not use this link if you are attempting to report an error for a recent purchase you do not recognize in your transaction history. 

  • 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.

Making Purchases

Green Dot Bank Account & Debit Cards
  • While there could be other reasons, the purchase you made online might have been declined because the address you provided to the merchant is different than the address we have on file for your card. To update your address, call the number on the back of your card.

  • You can use your card to make purchases everywhere Visa debit is accepted in the U.S.

  • 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. Once your merchandise has shipped, the $1 is refunded and will disappear from your transaction history. Then, you will be charged for the full amount of your order.

  • If you got your card at a store, you can register and use the limited use Starter Card inside the package to make purchases online or in-store everywhere Visa debit is accepted in the U.S.

  • It’s important to note that Merchant’s names or locations for your transactions may not look familiar. Many merchants use their corporate or headquarters information instead of the particular store information where you made the purchase. There may also be a delay in the posted date of the transaction. These are normal business practices. If the amount and date of the purchase are accurate, you may use that as your validation of the charge.

    In case of errors or questions about your card, write to us at Green Dot Customer Care, PO Box 5100 Pasadena, CA 91117 or call us at (866) 795-7597. 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 GreenDot.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, PO Box 5100 Pasadena, CA 91117 or by calling (866) 795-7597. 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. More details are available here. 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.

  • Certain purchases (hotels, restaurants, car rentals, gas stations, etc.) require pre-authorization and may temporarily hold money from your card balance that could be greater than the actual purchase amount. Once the purchase is processed, the money will be released and your balance will be adjusted.
    Availability of the pre-authorized money can take up to 10 business days (up to 90 days for car rentals) to be released back into your card balance.

  • The money was placed on hold to cover the cost of your purchase, but you were 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 money to be released back to your card.

  • Your Green Dot debit card can be used as either a credit or debit transaction. Debit transactions will require a Personal Identification Number (PIN), so only choose this option if you already have a PIN set up.

  • 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 us which is when it becomes a “posted” purchase. You can review your pending and posted purchases on the Transaction History page.

Green Dot 5% Cash Back Visa Debit Card
  • Yes. Returns, reversals, cancellations, or disputes involving a qualifying purchase will be subtracted from your rewards balance.

  • Cash-Back Rewards usually update promptly after a qualifying purchase posts, but could take up to thirty (30) days.

    Please refer to your Deposit Account Agreement for more information.

  • Only the use of your Debit Card or Debit Card number to purchase goods or services is a qualifying purchase for Cash-Back Rewards. The following purchases/transactions shall not be considered qualifying purchases for purposes of earning Cash-Back Rewards: ATM transactions, teller cash withdrawals, the portion of any in-store transaction that represents a cash withdrawal at the point of sale, quasi-cash transactions (i.e. purchase of items that convert to or substitute for cash, such as digital wallets, casino chips, travelers checks, lottery tickets, etc.), the use of your Debit Card to purchase gift cards or for funding another card or account, using our online bill pay service to pay bills, transferring funds from your Debit Card or bank account to another bank account or credit card account, and transactions conducted at GreenDot.com or our mobile application (such as online bill payments or person-to-person transfers). Cash-Back Rewards are normally accrued to your Cash-Back Rewards balance promptly after your qualifying purchase transaction posts, but could take up to thirty (30) days.

Pay Bills

  • 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 on the right side of the page
    3. After you have accepted the Bill Payment Agreement and verified your email, you’ll be ready to pay bills using your card

    Please note that only personalized cards are eligible to enroll in the Online Bill Pay Service.

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

    If you schedule a payment prior to 1:00pm ET today with a debit date of today, we will attempt to process the payment immediately, or on the next business day if today is not a business day. 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 deposit money into your account and resubmit the payment with the same debit date if the additional funds are deposited prior to 1:00pm ET. If your additional funds are deposited after 1:00pm ET, you will need to resubmit your payment with a debit date of the following business day. Please check that the funds have been posted to your account prior to resubmitting the payment.

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

    You must provide a valid e-mail address when you enroll for Online Bill Pay. E-mail is the only means by which we communicate 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.

  • With Green Dot, it’s easy to make on-time payments while on the go or from the comfort of your home.

    TOP 3 REASONS TO TRY BILL PAY:

    • Convenient – No need to write checks, pay for stamps, or make special trips to pay your bills
    • Easy – Set up one-time or recurring bill payments and pay your bills automatically
    • Organized – Track and control your payments in one convenient place
  • Green Dot will not charge any fees for the use of the bill payment service.

  • 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 our 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 1:00pm ET. If you submit your request for payment after 1:00pm 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. Our 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.

  • You can pay anyone in the United States that you would normally pay by check or automatic debit. 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 1:00pm ET.

    You can also send paper checks to companies or individuals. This might include rent checks to your landlord, the payment to your paper deliverer, or a gift for grandma. 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.

Register

ATMs

Bank Transfer

Expired or Expiring Cards

Rewards for the 5% Cash Back Visa Debit Card

EMV / Chip Protection

High-Yield Savings Account

See the fees and limits for your card here.

  • Quickly check your balance and transaction history online 24/7 by logging in to GreenDot.com or the mobile app.

    You may also add your mobile number with Green Dot by logging in to your account and selecting Account Settings. Then you can text the following commands to 43411:

    • To get your balance, text “BAL Last4″ to 43411 (where Last4 is the last 4 digits of your card number).
    • To check your transactions, text “HIST Last 4” to 43411 (where Last4 is the last 4 digits of your card number).

    We don’t charge customers to receive a text message, but your carrier data and message rates still apply.

  • 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 us, which is when it becomes a “posted” purchase. You can review your pending and posted purchases on the Transaction History page.

  • 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. Once your merchandise has shipped, the $1 is refunded and will disappear from your transaction history. Then, you will be charged for the full amount of your order.

  • 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.

  • 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 days (90 days for car rentals) to be released back into your card balance.

    In some instances, the initial pending transaction will not include the tip. Once your purchase is processed by the merchant, the tip will be included in the amont posted to the account.

  • It’s important to note that Merchant’s names or locations for your transactions may not look familiar. Many merchants use their corporate or headquarters information instead of the particular store information where you made the purchase. There may also be a delay in the posted date of the transaction. These are normal business practices. If the amount and date of the purchase are accurate, you may use that as your validation of the charge.

    In case of errors or questions about your card, write to us at Green Dot Customer Care, PO Box 5100 Pasadena, CA 91117. Write to us as soon as you can if you think an error has occurred in your card account. 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, PO Box 5100 Pasadena, CA 91117. 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.

    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. More details are available here. 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.

  • If you think you may have been scammed, please contact your local police department. You can also submit a fraud report with Green Dot click here. Do not use this link if you are attempting to report an error for a recent purchase you do not recognize in your transaction history. 

  • 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.

Green Dot Bank Account & Debit Cards
  • While there could be other reasons, the purchase you made online might have been declined because the address you provided to the merchant is different than the address we have on file for your card. To update your address, call the number on the back of your card.

  • You can use your card to make purchases everywhere Visa debit is accepted in the U.S.

  • 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. Once your merchandise has shipped, the $1 is refunded and will disappear from your transaction history. Then, you will be charged for the full amount of your order.

  • If you got your card at a store, you can register and use the limited use Starter Card inside the package to make purchases online or in-store everywhere Visa debit is accepted in the U.S.

  • It’s important to note that Merchant’s names or locations for your transactions may not look familiar. Many merchants use their corporate or headquarters information instead of the particular store information where you made the purchase. There may also be a delay in the posted date of the transaction. These are normal business practices. If the amount and date of the purchase are accurate, you may use that as your validation of the charge.

    In case of errors or questions about your card, write to us at Green Dot Customer Care, PO Box 5100 Pasadena, CA 91117 or call us at (866) 795-7597. 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 GreenDot.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, PO Box 5100 Pasadena, CA 91117 or by calling (866) 795-7597. 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. More details are available here. 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.

  • Certain purchases (hotels, restaurants, car rentals, gas stations, etc.) require pre-authorization and may temporarily hold money from your card balance that could be greater than the actual purchase amount. Once the purchase is processed, the money will be released and your balance will be adjusted.
    Availability of the pre-authorized money can take up to 10 business days (up to 90 days for car rentals) to be released back into your card balance.

  • The money was placed on hold to cover the cost of your purchase, but you were 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 money to be released back to your card.

  • Your Green Dot debit card can be used as either a credit or debit transaction. Debit transactions will require a Personal Identification Number (PIN), so only choose this option if you already have a PIN set up.

  • 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 us which is when it becomes a “posted” purchase. You can review your pending and posted purchases on the Transaction History page.

Green Dot 5% Cash Back Visa Debit Card
  • Yes. Returns, reversals, cancellations, or disputes involving a qualifying purchase will be subtracted from your rewards balance.

  • Cash-Back Rewards usually update promptly after a qualifying purchase posts, but could take up to thirty (30) days.

    Please refer to your Deposit Account Agreement for more information.

  • Only the use of your Debit Card or Debit Card number to purchase goods or services is a qualifying purchase for Cash-Back Rewards. The following purchases/transactions shall not be considered qualifying purchases for purposes of earning Cash-Back Rewards: ATM transactions, teller cash withdrawals, the portion of any in-store transaction that represents a cash withdrawal at the point of sale, quasi-cash transactions (i.e. purchase of items that convert to or substitute for cash, such as digital wallets, casino chips, travelers checks, lottery tickets, etc.), the use of your Debit Card to purchase gift cards or for funding another card or account, using our online bill pay service to pay bills, transferring funds from your Debit Card or bank account to another bank account or credit card account, and transactions conducted at GreenDot.com or our mobile application (such as online bill payments or person-to-person transfers). Cash-Back Rewards are normally accrued to your Cash-Back Rewards balance promptly after your qualifying purchase transaction posts, but could take up to thirty (30) days.

  • 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 on the right side of the page
    3. After you have accepted the Bill Payment Agreement and verified your email, you’ll be ready to pay bills using your card

    Please note that only personalized cards are eligible to enroll in the Online Bill Pay Service.

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

    If you schedule a payment prior to 1:00pm ET today with a debit date of today, we will attempt to process the payment immediately, or on the next business day if today is not a business day. 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 deposit money into your account and resubmit the payment with the same debit date if the additional funds are deposited prior to 1:00pm ET. If your additional funds are deposited after 1:00pm ET, you will need to resubmit your payment with a debit date of the following business day. Please check that the funds have been posted to your account prior to resubmitting the payment.

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

    You must provide a valid e-mail address when you enroll for Online Bill Pay. E-mail is the only means by which we communicate 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.

  • With Green Dot, it’s easy to make on-time payments while on the go or from the comfort of your home.

    TOP 3 REASONS TO TRY BILL PAY:

    • Convenient – No need to write checks, pay for stamps, or make special trips to pay your bills
    • Easy – Set up one-time or recurring bill payments and pay your bills automatically
    • Organized – Track and control your payments in one convenient place
  • Green Dot will not charge any fees for the use of the bill payment service.

  • 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 our 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 1:00pm ET. If you submit your request for payment after 1:00pm 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. Our 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.

  • You can pay anyone in the United States that you would normally pay by check or automatic debit. 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 1:00pm ET.

    You can also send paper checks to companies or individuals. This might include rent checks to your landlord, the payment to your paper deliverer, or a gift for grandma. 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.

Mailing Address

Green Dot

P.O. Box 5100
Pasadena, CA 91117