Spend like normal.  Save up like crazy!

Well pay you a 3% Cash Back Bonus on what you buy online and with apps1

Unlimited Cash Back Bank Account Visa Debit Card by Green Dot

Spend like normal.  Save up like crazy!

Well pay you a 3% Cash Back Bonus on what you buy online and with apps1

Wouldn’t it be nice to get rewarded for everyday purchases?
You can, every time you make a qualifying online or in-app purchase using your Unlimited Cash Back Bank Account Visa® Debit Card.

  • Get your pay up to 2 days before payday with ASAP Direct Deposit™..2
  • Shop everywhere Visa® Debit is accepted in the U.S.
  • No overdraft fees, ever.3

Comes with a free High-Yield Savings Account that pays 3% annual interest—one of the highest rates in America!4

More reasons to love this choice

Get your pay up to 2 days before your payday2

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

Shop everywhere

Take your card coast to coast in the U.S. and use everywhere Visa® is accepted.

Quickly send money

Give a last-minute birthday gift or help a friend out by conveniently sending money to any Green Dot Bank issued card anywhere in the U.S. Or add cash to your own PayPal account.3

Bank on your schedule

Whether you’re on a mountain or in the middle of the city, you can skip the trip to the bank. Check your account balance, review your transactions, and more—virtually anywhere from your smartphone.

How it works

  • Every time you make an online or in-app purchase using your Unlimited Cash Back Bank Account Visa Debit Card, Green Dot Bank will pay you a 3% Cash Back Bonus 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 save up in Cash Back Bonus money. 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 Bonus are that you need to use your account for at least 12 months and have a positive balance at that time.
  • Get a limited time $50 Cash Back Bonus when you sign up. Your $50 cash back offer will be available when you claim your annual Cash Back Bonus.
  • 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 easy 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.

How we know it’s an online or in-app purchase

Merchants that accept credit cards and debit cards are assigned a merchant category code (MCC) by the payment networks based on the kinds of products and services they sell. Online and in-app merchants use merchant codes and/or other identifying information that we rely upon to identify them as a qualifying online or in-app merchant. While these identifiers are generally reliable and accurate, there are times when an online or in-app merchant uses a merchant code that does not properly identify themselves. Green Dot Bank does not determine which MCC a merchant chooses to classify itself as and has no way of changing a merchant's identifying information that we receive during the authorization and posting process. Therefore, some online or in-app purchases may come across as some other type of non-qualifying transaction. While we strive to make sure we are accurate and inclusive of all the major online and in-app merchants, there could be times when a transaction is coded incorrectly by the merchant and cash back is not applied. When this happens, Green Dot will not be able to apply the 3% Cash Back Bonus for that transaction. Additionally, we are not able to provide a Cash Back Bonus on airline tickets or on products and services that are redeemable for cash, like gift cards, online funding of accounts, credit card cash advances, P2P funding, prepaid cards, money orders, traveler's checks and similar products or merchants that primarily sell cash services.

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 3% Annual Percentage Yield on all the money you save—higher than what many banks pay in annual interest.4

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 FDIC-insured savings account allows you to save up like crazy for your future! Download the app to start saving!

Our fee schedule describes the fees associated with our accounts and services. 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.


  1. Cash back is earned on qualifying purchases made online or using an app.  The Cash Back Bonus cannot be used for purchases or cash withdrawals until redeemed.  Claim the Cash Back Bonus every 12 months of use and your account being in good standing. See Account Agreement for fees, limits and exclusions.
  2. Timing depends on deposit verification and when we get notice from your employer or benefits provider, and may vary from pay period to pay period. But when we get it, you’ll get it.
  3. Other fees may apply. 
  4. Interest is paid on each anniversary based on the average daily balance of the prior 365 days, up to a maximum balance of $10,000 if the bank account is in good standing and has a positive balance. 3% Annual Percentage Yield.  Member FDIC.  Annual Percentage Yields (APYs) are accurate as of 07/16/2019. See Account Agreement at GreenDot.com for terms and conditions.


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