Plus 2% annual interest, free deposits, using the app, free ATM’s and more!

Unlimited Cash Back Bank Account Visa Debit Card by Green Dot


Plus 2% annual interest, free deposits, using the app, free ATM’s and more!

You could be missing out on hundreds in cash back and interest with the richest debit card in America!

The Unlimited Cash Back Bank Account gives you the best value:

  • 2% unlimited cash back on online and mobile purchases1
  • Savings account that pays 2% annual interest (APY) on deposits up to a $10,000 balance - 20X higher than the national average!2
  • Free cash deposits using the app and free in-network ATMs

More reasons to love this choice


Free cash deposits

Using the app at select retailers. See details below.


Get your pay up to 2 days before your payday3

With free ASAP Direct Deposit™, you can stop waiting for Friday and make payday Wednesday.


Free ATMs4

Get access to free in-network ATMs nationwide! See the app for free ATM locations.


No overdraft fees, ever4

No minimum balance requirement and no overdraft fees. No bounced check fees either.


Waive your monthly fee

No monthly fee in any month you spend at least $1000.*

How it works

Unlimited Cash Back

Every time you make an online or mobile purchase using your Unlimited Cash Back Bank Account Visa® Debit Card, you’ll earn 2% cash back on the amount you spent.

Then, each year, you can access all that cash back and use it however you want! Save it for a rainy day or buy something special. It’s your choice.

There’s no limit to how much you can earn in cash back. It’s just based on how much you spend online and with apps. That’s why we call it the "Unlimited Cash Back Bank Account!"

The only rules to get access to your annual cash back are that you need to use your account for at least 12 months and your account must be in good standing.

Free reloads

Deposit cash for free using the Green Dot app at participating retailers nationwide! Simply touch the Deposit tab in the app and select "Deposit Cash using the Green Dot App." Then, follow the simple directions. It's easy to use, and all cash deposits to your account are free when you deposit cash using the app at participating retailers.

Save up money in the Green Dot Bank High-Yield Savings Account!

When you open your Unlimited Cash Back Bank Account you also get exclusive access to a free High-Yield Savings Account. Earn 2% Annual Percentage Yield on all the money you save (on deposits up to a $10,000 balance) - 20X higher than the national average!2

This account allows you to set aside cash for things like a family vacation or even that new car you've had your eye on. You can move money to or from your High-Yield Savings Account at any time. This savings account is FDIC-insured. Download the app to start saving!

Our fee schedule describes the fees associated with our accounts and services. The fees for the Unlimited Cash Back Bank Account include a $7.95 monthly fee, a $3.00 out of network ATM withdrawal fee, and a $5.00 replacement card fee. However, the monthly fee will be waived if you spend $1,000 or more in the previous monthly period. View additional fees in the table to the right. ​We may offer additional products, services, and features from time to time, and the fees for those offerings will be disclosed to you at the time they are offered. In addition to the fees listed, there are some situations where a third party may charge additional fees. For example, when you use an ATM outside of our network, you may be charged a fee by the ATM operator in addition to our fee.


Purchase price of an Unlimited account online $0.00
Monthly Charge $7.95. Waived when you spend $1,000 or more using your Card in the previous monthly period.*
Deposit Cash Using the Green Dot App Free
In Network ATM Withdrawal Free
Out of Network ATM Withdrawal** $3.00 per transaction
Out of Network Balance Inquiry at ATMs** $0.50
Teller Cash Withdrawal Fee $3.00 per transaction
Replacement Card (for Lost, Stolen or Damaged Card) $5.00
Foreign Transaction Fee*** 3% of total transaction amount
Paper Check Fee $5.95 for pack of 12 checks
Direct Deposit No fee for direct deposit

* Your Monthly Fee will be waived if you spend $1,000 or more using your Card in the previous monthly period (excluding ATM and teller cash withdrawals, payments conducted at www.greendot.com or via our mobile app (such as bill payments), check or ACH payments, funds transfers to another account, quasi-cash transactions (i.e., the purchase of items that convert to or substitute for cash, such as money orders, travelers checks, casino chips, etc.), and purchases of gift or prepaid cards).

** You may also be charged a fee by the ATM operator in addition to our fee (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

*** This fee is in addition to any other fee that may apply to your transaction. Please note use of your debit card outside of the U.S. may be limited; see Section 6 for more information.


See Account Agreement for fees, terms and conditions for more information. ​

  1. Cash back is earned on qualifying online and mobile purchases. Cash back cannot be used for purchases or cash withdrawals until redeemed. Claim cash back every 12 months of use and your account being in good standing.
  2. Green Dot Bank. Member FDIC. Interest paid on money in savings every 12 months based on the average daily of the prior 365 days, up to a maximum balance of $10,000. Annual Percentage Yields (APYs) are accurate as of 6/2/20 and may change before or after you open an account. The average national savings account interest rate of 0.06% is determined by the FDIC as of May 11, 2020. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.​
  3. Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. Make sure the name and social security number on file with your employer or benefits provider matches what’s on your Green Dot account exactly. Green Dot will not be able to deposit your payment if we are unable to match recipients.​
  4. Limits and other fees may apply.


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