About Green Dot and the Green Dot Card:

Just "click" a question for the answer.

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Card fees and limits

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Green Dot VIP

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Temporary 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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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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Cards Purchased in a Financial Service Center
like David's Check Cashing or RiteCheck

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About Green Dot and the Green Dot Card

Who is Green Dot?

Green Dot is a leading provider of prepaid debit cards. With millions of customers and growing, Green Dot products are sold in tens of thousands of major retail locations in the U.S. For more information about Green Dot Corporation, visit www.greendotcorp.com.

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What is the Green Dot Prepaid Debit Card?

The Green Dot Personalized Card is a prepaid Visa or debit MasterCard Card that you can use anywhere debit MasterCard or Visa debit cards are accepted worldwide. There's no line of credit associated with your Card. It's a prepaid debit card. Personalized Cards can be used at ATMs and can also be reloaded (more money can be added to them). We may block card usage in some countries due to fraud or security concerns. 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 Green Dot Card different than a gift card?

Unlike gift cards, full use of Green Dot prepaid cards is subject to successful identify verification. Once we verify your identity, we will send you a card that is personalized with your name, allows you to make ATM withdrawals in addition to making purchases, and can be reloaded with money.

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How is the Green Dot Card different than a credit card?

The Green Dot 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 debit 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 a Green Dot Card.

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Where can I get a Green Dot Card?

Green Dot Card products can be found at a variety of retailers such as CVS Pharmacy, Rite Aid, Kroger, 7-Eleven, Walgreens and many other retailers. Find the retailer nearest you here. You can also get a Card online by clicking here.

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What is necessary to get the Green Dot Card?

All you have to do is visit one of our participating retailers to purchase the Card and call or go online to provide your personal information to activate the Card. You can also order a Card online by clicking here. Federal law requires us to obtain, verify and record your name, address, date of birth, Social Security number, and phone number when you register a Green Dot Card. If a valid social security number is not provided, a Personalized Card will not be issued.

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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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How can I use a Card that I ordered online?

You will need to load your card with money before it can be used for purchases. To learn more about to add money to your Card and the fees that apply, click here.

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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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Card fees and limits

What are the fees and limits?

Here is a complete schedule of the Green Dot Card fees and limits:

Card bought at a financial services center like David's Check Cashing or Rite Check? Click to see fees.

Get the card
Online No fee1
In a retail store Up to $4.95
Monthly Charge. Have this charge waived in any billing cycle when you load at least $1,000 or make 30 purchases in any billing cycle. 2 $5.95
USE AND RELOAD THE CARD
Direct Deposit your paycheck or government benefits No fee
Add cash at participating retail locations with Swipe Reload at the register or with a MoneyPak® Up to $4.95
USE ATMs AND GET CASH
Withdrawal or balance inquiry at MoneyPass® ATMs No fee
Non-MoneyPass ATM withdrawal $2.503
Non-MoneyPass ATM balance inquiry $0.503
Bank teller cash withdrawal $2.504
Other
Replacing a lost, stolen or damaged card $4.95
Transaction fee for purchases with merchants outside the U.S. 3%
Other optional services may be available Fees vary
See Cardholder Agreement for more information.
1Your card will arrive with a $0 balance. It has no value until loaded. Reload fees apply.
2Excludes all ATM declined withdrawals, ATM balance inquires, teller cash withdrawals and online bill payments at greendot.com.
3Plus any ATM owner fees.
4Plus any fee the bank may charge.

Limits
Minimum Initial Load$10, varies by retailer
Card balance (with cash load)$2,500
Card balance (with direct deposit)$10,000
Daily cash load limit$2,500
Daily direct deposit load limit$10,000
Daily ATM withdrawal limit$400
Bank teller cash withdrawal limit (per transaction)$400
Daily spend limit
(includes all outgoing transaction activities, such as purchases, ATM transactions, etc.)
$2,500

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Will Green Dot assess a Monthly Charge even if I don't use the Card?

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

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Will Green Dot assess a Monthly Charge even after the balance falls below $0?

Yes, Green Dot will continue to assess a Monthly Charge until the balance reaches -$11.90, at which point the fees will no longer accumulate.

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How can I get my Monthly Charge waived each month?

Have 30 posted purchases OR load $1,000 to your Card in any billing cycle and we will waive your Monthly Charge! Qualifying purchases only include transactions where you are paying for goods or services with your card. Purchases must post to your card during the billing cycle to count towards a Monthly Charge waiver for that period. Check your progress towards a Monthly Charge waiver on your Account Summary page.

If you purchased your card at a Financial Service Center (like David’s Check Cashing or RiteCheck), click here for Monthly Charge waiver information.

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Green Dot VIP

What is Green Dot VIP Membership?

Green Dot VIP Membership is a service available for purchase during initial card registration that provides the following exclusive benefits:

  • SAVE ON ATMs NATIONWIDE: Green Dot customers can use over 22,000 in-network MoneyPass® ATMs without a fee. And when you become a VIP, we’ll also waive the $2.50 Green Dot out-of-network withdrawal fee at any ATM nationwide. (Note: Most out-of-network ATM owners charge their own fee, so see the ATM for details.)
  • GET VIP CUSTOMER SERVICE: All Green Dot customers enjoy great customer service. But our VIPs get the extra perk of having their calls given priority status.
  • EXPEDITED EMERGENCY CARD DELIVERY: If you lose your card, at your request we'll FedEx you a replacement anywhere in the US at no cost to you.

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How can I become a Green Dot VIP?

Currently, the VIP membership is only available for purchase during initial card registration. You will need to pay a monthly VIP fee in addition to the card's monthly charge. These fees will be disclosed during card registration and the first VIP monthly fee is assessed when you enroll.

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How can I cancel my VIP membership?

To cancel your membership click here or call customer support at (866) 795-7597.

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Your Temporary Card

What is the Temporary Card and where can I use it?

Green Dot packages that you find in stores include a Temporary card that you can use to pay for purchases until your Personalized card arrives in the mail. The Temporary card can be reloaded with money after we have successfully verified your identity. The Temporary card and the Personalized card are not intended to be given as gifts.

If you get a card online, after you finish the identity verification process, we may give you a Temporary card number that you can use to shop online or over the phone after you add money.

No Temporary card or Temporary card Number can be used for ATM transactions, other cash withdrawals, or with merchants outside the U.S. (including foreign websites).

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How do I add more money to my Temporary Card?

After successful identity verification, you can reload your Temporary Card or Temporary Card Number by purchasing MoneyPak, enrolling in Direct Deposit or setting up an online reload from your bank. Fees may apply for non-direct deposit reloads. Click here to learn more.

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Using your Personalized Card

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

You will receive your Personalized Card 7-10 business days after you register. Cards are shipped first class U.S. Mail the next business day after registration. After activation of the Personalized Card, the amount on your Temporary Card or Temporary Card Number will automatically be transferred to the Personalized Card and you will no longer be able to use the Temporary Card.

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

No, for security reasons you will need to go to www.greendot.com/activate or call 1-866-795-7605 to activate your Personalized Card.

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Is there any place I cannot use my Personalized Card?

Green Dot Cards cannot be used for online gambling. Green Dot Cards are also not designed for business use and we may close your card if you use it for business purposes. We may block Card usage in some countries due to fraud or security concerns.

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Can I withdraw money from an ATM?

Yes. You will select a 4 digit PIN (personal identification number) when you activate your Personalized Card. We may block ATM withdrawals in some countries due to fraud or security concerns. You may only withdraw up to $400 per day.

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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 866-795-7597.

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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. Please refer to the Cardholder Agreement for more information.

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Are there any overdraft fees?

No, there are no overdraft 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, but only from your Personalized Card. 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.

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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 1-866-795-7597 to report your Card lost or stolen. We will cancel your Card and a new Card will be sent to you. A fee for a replacement Card 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. 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. A second Card fee of $4.95 may apply. There is no additional Monthly Charge for the second Card. 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 Card?

There are 5 easy ways to add money to your Green Dot card.

  1. Direct deposit your pay or benefits. Learn More.
  2. Take your cash and card to the register of a participating retailer. The cashier will swipe your card and add cash to it. Service fee applies. Learn More.
  3. Cash a check at Walmart and load your card. Check cashing fees and limits apply. Check cashing not available in all states or stores. Reload fee applies. Learn More.
  4. Transfer money from your bank account to your card. Fees may apply. Learn More.
  5. Buy a MoneyPak® at a nearby retailer. Service fee applies. Find a retailer.

Temporary cards are only reloadable after successful identity verification.

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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 Green Dot Card?

No, Green Dot does not accept wired funds.

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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. We, in our sole discretion, may accept loads through direct deposit in excess of these limits.

If you purchased your card at a Financial Service Center (like David’s Check Cashing or RiteCheck), click here for load limits.

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

The maximum balance is $2,500. We, in our sole discretion, may allow balances in excess of these limits if the Card is loaded through direct deposit.

If you purchased your card at a Financial Service Center (like David’s Check or RiteCheck), click here for maximum balance allowed on your card.

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Direct Deposit


How do I begin using Direct Deposit?

The process is easy! Follow these simple steps:

  1. Ask your payroll or benefits office if they offer Direct Deposit. If they do, just give them your Direct Deposit and bank routing number to enroll.
  2. To get this information, click here to login to your account and we will create a personalized Direct Deposit form that you can print out. Or, just write down your Direct Deposit and bank routing number and take it to your payroll or benefits office.

TIP: Ask your payor how long it will take for them to set up your Direct Deposit. If it takes longer than expected to receive your first Direct Deposit to your card, check back with your payroll or benefits office. Green Dot does not have your enrollment status information.

What types of income can be direct deposited to my Green Dot card?

  • Paycheck from your employer
  • Social Security
  • Veterans Compensations and Pension
  • Supplemental Security Income
  • Federal Civil Service (Retirement/Annuity)

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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 certain federal government benefit payments, you can elect to have as much or as little of your paycheck or benefits payment deposited to your Green Dot Prepaid 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 Social Security, Supplemental Security Income, Veterans Benefits, or Federal Civil Service, the entire amount of your benefit payment must be deposited to your Green Dot Prepaid 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 our automated Green Dot Support Line at 1-866-795-7597 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 account.

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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 Green Dot Customer Support toll-free at 1 (866) 795-7597 and Green Dot will investigate the transaction. NOTE: If you have recently reported your Card lost or stolen please make sure to tell the Green Dot Customer Support Specialist when you call.
  3. We will get back to you within 48 business hours with the status of your direct deposit.

If you enrolled in Direct Deposit for federal 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

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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. Cancelling Direct Deposit will in no way impact the use of your Green Dot Prepaid Card.
For information on how to cancel Direct Deposit on your federal 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

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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. Canceling direct deposit will in no way impact the use of your Green Dot Prepaid Card.

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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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If I direct deposit my tax refund, can I withdraw or spend it all at once?

Daily withdrawal and cash limits apply. The maximum you can withdraw from an ATM is $400 per day. Your daily spend limit is $2,500 per day.

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Is there a limit on how much I can direct deposit onto my card?

The maximum balance you can have on your card at any time is $10,000 when you use direct deposit and $2,500 when you reload with cash.

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Your Balance and Transaction History

How do I check my Card balance and transactions?

The fastest and easiest way to check your balance is by texting "Bal Last4" to 43411 where Last4 is the last 4 digits of your card number. Text “HIST Last 4” to check your transactions. Before using this texting service, you’ll need to register your mobile number with Green Dot. Click here to register, or log into your account, select Account Settings, Edit Contact Info, and enter your mobile number. We do not charge customers to receive a text message. However, your carrier data and message rates still apply.

You may also check your balance and transaction history online 24/7 by logging into your account at greendot.com.

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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 us 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 days (90 days for car rentals) 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 we have 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 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 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 Green Dot Customer Care, P.O. Box 1187, Monrovia, California 91017 or telephone 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 www.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, P.O. Box 1187, Monrovia, California 91017 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. 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 us 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 866-795-7597 to update your address.

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How do I cancel my Card?

To cancel your Card you can call customer support at 1-866-795-7597. You can also log into your account online, go to the "Security" tab and then click on "Close Card." When your account is cancelled, we will mail you a check to the mailing address we have 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 we do 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

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 we do 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
  • You will be unenrolled from account alerts if your Card has been inactive for 60 days. You may re-enroll at any time – log in and go to the Account Alerts page.

    You will receive alerts as long as you have 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 our 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 information about your Green Dot card on your mobile phone. There are several ways to do this:

  1. Download the Green Dot app for your iPhone or Android. Learn More.
  2. Access the mobile optimized version of our website by going to m.greendot.com on your smart phone. Learn More.
  3. Sign up for Account Alerts to receive your balance via text or email. Learn More.
  4. Send us a text and we’ll text you back with your balance, transaction history or reload locations. Learn More.

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What can I do with the Green Dot mobile app?

  • Check your balance and transaction history
  • Find reload locations near you
  • Find free MoneyPass® ATMs near you
  • Add money to your card with a MoneyPak®

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How do I use texting to get my balance and other information?

First, you need to register your mobile number to use this service. To register, click here.

Then, text one of the commands below to 43411 and we’ll text you right back.

Texting Commands
BAL + last 4 card digits available balance
HIST + last 4 card digits transaction history
LOC + zip or city, state find a reload location
ATM + zip or city, state find ATMs with no withdrawal fee
HELP show text commands
STOP opt-out of texting/alerts

Learn More about using these texting commands.

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How much does it cost?

Green Dot does not charge to receive text messages. However, your carrier data and message rates still apply.

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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 on the right side of the page
  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 the use of the bill payment service.

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Who can I pay?

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 1:00 pm 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.

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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 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 1:00 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. 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.

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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, 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 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, we will attempt 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 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.

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 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.

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Cards Purchased in a Financial Service Center
like David Check Cashing or RiteCheck

Here is a complete schedule of the Green Dot Card fees and limits:

What are the fees and limits?

2 FEE PLAN OPTIONS
Pay per
Purchase
This plan has no monthly charge when you use the card. Simply pay 75¢ each purchase transaction your make. If the card isn't used for a year, $1.95 per month will be deducted from any remaining balance.1 Pay per
Month
This plan has no purchase transaction fees. Instead, make unlimited purchases for $5.95 per month.2 Plus, we'll waive this fee after any month you direct deposit at least $500 to your card!
THE FEES BELOW APPLY TO BOTH FEE PLANS
USE ATMs AND GET CASH (applies to both fee plans)
Withdrawal or balance inquiry at MoneyPass® ATMs No fee
Non-MoneyPass ATM withdrawal $2.503
Non-MoneyPass ATM balance inquiry $0.503
Bank teller cash withdrawal $2.504
Fee plan choice is avaialable only at purchase.
See Cardholder Agreement for more information.
1Except when prohibited by law.
2First Monthly Charge assessed at purchase.
3Plus any ATM owner fees.
4Plus any fee the bank may charge.
USE AND RELOAD THE CARD (applies to both fee plans)
Direct Deposit your paycheck or government benefits No fee
Add cash at participating retail locations with Swipe
Reload at the register or with a MoneyPak®
Up to
$4.95
OTHER (applies to both fee plans)
Replacing a lost, stolen or damaged card $4.95
Transaction fee for purchases with merchants outside the U.S. 3%
Other optional services may be available Fees vary

Limits
Minimum Initial Load $10, varies by store
Card balance $10,000
Daily cash load limit $2,500
Daily Direct Deposit or Check Cashing Load Limit $10,000
Daily ATM withdrawal limit $400
Bank teller cash withdrawal limit (per transaction) $400
Daily spend limit
(includes all outgoing transaction activities, such as purchases, ATM transactions, etc.)
$2,500

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Can I change my fee plan?

No, fee plan selection must be made at time of card purchase.

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

Yes. If you’re loading the card using cash, the daily reload limit is $2,500. If you’re loading via Direct Deposit, the daily limit is $10,000. All loads are subject to a card balance limit of $10,000. Click here for card limits.

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

The maximum balance you can have on your Card is $10,000. Click here for card limits.

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How does the transaction fee on the Pay per Purchase plan work?

Cardholders who chose the Pay per Purchase plan have no Monthly Charge. Signature and PIN debit transactions are $0.75 per transaction.

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I chose the Pay per Month plan. How can I have my Monthly Charge waived?

When you Direct Deposit $500 to your card in any billing cycle we will waive your next Monthly Charge.

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When is the first Monthly Charge deducted from my account?

If you are on the Pay per Month plan, your first Monthly Charge will be deducted on the day you purchase your card.

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What is the Maintenance Fee in the Pay per Purchase plan?

The Pay per Purchase plan is subject to a $1.95 per month maintenance fee ONLY if you have no load, withdrawal, or spend activity for 12 consecutive months. You can easily avoid this fee by loading funds or using the card for purchases or ATM withdrawals at least one time every 12 months. This fee is waived for residents of NH and CT.

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