HELP CENTER

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 online and in tens of thousands of major retail locations in the U.S. Green Dot also offers debit cards tied to bank accounts.

How is the Green Dot card different than a gift card?

Unlike gift cards, full use of Green Dot cards is subject to successful identity 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.

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

Green Dot cards do not offer a line of credit like credit cards, which means you need to add money to your card in order to use it.

Does buying or using this card build my credit rating?

No, because no credit is granted and no payments are required, Green Dot cards do not build credit history.

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

Yes, there is no credit check to obtain a Green Dot card.

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.

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 register 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. We may also ask to see your driver's license or other identifying documents. If a valid social security number is not provided, a personalized card will not be issued.

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.

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 how to add money to your card and the fees that apply, click here.

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.

What are the fees?

The table below shows the fees that apply to Green Dot Reloadable Prepaid MasterCard and Visa cards sold at selected retailers. The table does not apply to the Green Dot Cash Back Visa Debit Card or the NEW Green Dot Reloadable Prepaid MasterCard and Visa Card sold at retailers nationwide. It also does not apply to cards sold by tax preparers or financial service centers. If you already have a card, your fees and terms may be different. Please log in to see your Cardholder Agreement and fees.

When is the first Monthly Charge deducted from my account?

If you bought your card in a store, or online, your first Monthly Charge will be deducted 30 days from when you register your card, or 90 days after card purchase, whichever comes first.

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.

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

Yes. When a balance falls below $0, Green Dot will assess the Monthly Charge up to two times.

How can I get my Monthly Charge waived each month?

Your Monthly Charge can be waived in any monthly period when you have loaded at least $1,000 or have at least 30 qualifying purchases posted to your account.

How much does it cost to Reload @ the Register?

A reload fee of up to $4.95 applies.

Is there a Maintenance Fee for inactive cards?

The first Monthly Charge will be assessed 90 days after the purchase date for any inactive cards purchased at retail but never used or registered.

What are the fees?

The table below shows the fees that apply only to NEW Green Dot Reloadable Prepaid MasterCard or Visa Cards. It does not apply to the Green Dot Cash Back Visa Debit Card, cards sold on GreenDot.com, card sold by tax preparers or financial service centers. If you already have a card, your fees and terms may be different. Please log in to see your Cardholder Agreement and fees.

When is the first Monthly Charge deducted from my account?

Your first Monthly Charge will be deducted the first time you use the card or the day after you register the card, whichever happens first.

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.

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

Yes. When a balance falls below $0, Green Dot will assess the Monthly Charge up to two times.

How can I get my Monthly Charge waived each month?

Your Monthly Charge can be waived when you have loaded $1,000 or more in the previous monthly period.

How much does it cost to Reload @ the Register?

A reload fee of up to $4.95 applies.

Is there a Maintenance Fee for inactive cards?

The first Monthly Charge will be assessed 90 days after the purchase date for any inactive cards purchased at retail but never used or registered.

What are the fees?

The table below shows the fees that apply only to the Green Dot Cash Back Visa Debit Card. It does not apply to cards sold by tax preparers or financial service centers. If you already have a card, your fees and terms may be different. Please log in to see your Cardholder Agreement and fees.

How do I earn Cash-Back Rewards?

Register your Green Dot Cash Back Visa Debit Card and you are instantly eligible to start earning 5% cash back (up to $100 per reward year) on qualifying purchases made with your card.

Important: You are not eligible for the program if we are unable to verify your identity.

HOW IT WORKS:

1. Earn 5% cash back on qualifying purchases (up to $100 per reward year) whenever your card has a positive balance at the end of the monthly period.

2. Redeem your rewards after successfully completing a reward year (12 nonconsecutive months where your card has a positive balance at the end of each monthly period).

3. In case you end up with a negative balance, you can pick up where you left off when your card returns to a positive balance.

What purchases qualify for Cash-Back Rewards?

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 www.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.

Will returned purchases be subtracted from my rewards balance?

Yes. Returns, reversals, cancellations, or disputes involving a qualifying purchase will be subtracted from your rewards balance.

What transactions do not qualify for Cash-Back Rewards?

Only qualifying purchases count towards your Cash-Back Rewards. Online bill payments, person-to-person transfers, teller or cash withdrawals, and ATM transactions do not qualify for Cash-Back Rewards.

Please refer to your Deposit Account Agreement for more information.

What is a reward year?

A reward year is a total of twelve (12) nonconsecutive months where your card has a positive balance at the end of each monthly period. You must successfully complete a reward year to be eligible to redeem your Cash-Back Rewards.

How much cash back can I earn in a reward year?

You can earn up to $100.00 per reward year.

What is considered my enrollment date?

If you got your card in-store, the date you register your card is your enrollment date.

If you got your card online, the date you first add money to your card is your enrollment date.

How do I keep my card eligible to earn Cash-Back Rewards?

To be eligible to earn Cash-Back Rewards, you must have a positive card balance at the end of each monthly period. If you have a negative balance at the end of a monthly period, that month will not count towards your reward year.

How do I redeem my Cash-Back Rewards?

You can redeem Cash-Back Rewards the day after you complete a reward year. Once you've successfully completed a reward year, you have up to 1 year to claim your Cash-Back Rewards before they expire.

When ready, simply log in to your online account and follow the on-screen instructions.

Upon redemption, we'll credit your balance with all of the rewards you earned for the reward year.

When will the rewards earned on a qualifying purchase appear?

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.

Can I enroll in the Cash-Back Rewards program if I don't have a Green Dot Cash Back Visa Debit Card?

Only the Green Dot Cash Back Visa Debit Card is eligible for Cash-Back Rewards.
Learn more about the card and cash-back rewards.

What are the fees?

Financial Services Center Card Fee Plan

The table below shows the fees that apply only to the Green Dot Reloadable Prepaid Card sold at Financial Service Centers and Currency Exchanges. It does not apply to cards at retail stores like CVS, Walgreens or 7-Eleven or to cards sold by tax preparers. If you already have a card, your fees and terms may be different. Please log in to see your Cardholder Agreement and fees.

Can I change my fee plan?

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

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 $2,999. 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.

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

The maximum balance you can have on your Card is $10,000.

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

Cardholders who choose the Pay per Purchase plan have no Monthly Charge. Signature and PIN debit transactions are $1.00 per transaction.

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

When you Direct Deposit $1000 to your card in any billing cycle we will waive your next Monthly Charge.

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.

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.

What do I do if I have a question about my Tax Refund?

If you have any questions about the status, timing or amount of your PreFund or Tax refund, go to taxpayer.sbtpg.com.

Green Dot does not have any information on your PreFund or Tax Refund.

When will I get my Tax Refund?

To get information on when you will receive your Tax Refund, go to taxpayer.sbtpg.com.

Green Dot does not have any information on your Tax Refund.

What are the fees?

Green Dot Tax Time Edition Card Fee Plan

The table below shows the fees that apply only to the Green Dot Tax Time Edition Prepaid Card sold at Tax Preparers. It does not apply to cards at retail stores like CVS, Walgreens or 7-Eleven or to cards sold by Financial Service Centers. If you already have a card, your fees and terms may be different. Please log in to see your Cardholder Agreement and fees.

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, or receiving all or part of your Tax Refund, the daily limit is $10,000. All loads are subject to a card balance limit of $10,000.

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

The maximum balance you can have on your Card is $10,000.

When I receive my Refund, can I withdraw or spend it all at once?

Daily withdrawal and cash limits apply. The maximum you can withdraw from ATMs is $1,500 per day. Your daily spend limit is $3,000 per day.

How can I have my Monthly Charge waived?

When you load $1,000 to your card, or make 30 qualifying purchases in any billing cycle we will waive your next 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. Excludes all ATM declined withdrawals, ATM balance inquiries, teller cash withdrawals and online bill payments at greendot.com.

When is the first Monthly Charge deducted from my account?

Your first Monthly Charge will be deducted 30 days from the date money is first loaded to your 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 (following registration) 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.

The temporary card or temporary card number cannot be used for ATM transactions or other cash withdrawals. Activation of the personalized card is also required for access to several features, including the online bill pay, send money, and mobile deposit features, if these are available on your card. The Green Dot Cash Back Visa Debit card and cards sold at Financial Service Centers do allow cash withdrawals using the temporary card, following successful identity verification.

How do I add more money to my temporary card?

After successful identity verification, you can reload your temporary card with cash at participating retailers nationwide. You can also reload with free direct deposit. Fees may apply for non-direct deposit reloads. Click here to learn more.

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.

Is my personalized card ready to use when I receive it?

No, for security reasons you will need to call (866) 795-7605 or go to www.greendot.com/activate to activate your personalized card.

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.

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 withdraw up to $400 per day, with most Green Dot cards. Please see terms for your card regarding ATM withdrawal limits.

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.

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 or Deposit Account Agreement related to your card for more information.

Are there any overdraft fees?

No, there are no overdraft fees.

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 a problem if the recurring charge is for an essential service.

Can I use the card to rent a car?

Your 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 Green Dot debit cards.

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 or Deposit Account Agreement, as applicable.

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 $5.00 may apply. There is no additional Monthly Charge for the second card. You can request a second card by clicking here.

How do I add more money to my card?

There are 6 easy ways to add money to your Green Dot card.

1. Direct deposit your pay or benefits. Learn More.
2. Reloading with cash is fast and easy. Just ask the cashier to add cash directly to your card at the register. Reload fee applies. Learn More.
3. Deposit a check to your card using your smartphone. Fees and limits apply. Learn More.
4. Cash a check at Walmart or a participating Financial Service Center and load your card. Check cashing fees and limits apply. Check cashing not available in all states or stores. Reload fee applies. Learn More.
5. Transfer money from your bank account to your card. Fees and limits apply. Learn More.
6. Send money to another Green Dot card in minutes. Available on personalized cards only. Limits apply. Learn More.

Temporary cards are only reloadable after successful identity verification.

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.

Where can I Reload @ the Register with cash directly to my card?

You can Reload @ the Register at ACE Cash Express, CVS/Pharmacy, Dollar General, Dollar Tree, Family Dollar, Kroger, Kmart, Rite Aid, Safeway, 7-Eleven, Walgreens and Walmart stores nationwide.

How much does it cost to Reload @ the Register?

You will be charged a reload fee of up to $4.95.

How do I Reload @ the Register?

It's easy! Just ask the cashier to add cash directly to your card at the register. No MoneyPak needed. Reload fee and limits apply.

When will the money be available on my card with Reload @ the Register?

At most retailers, your money will be available on your card within 10 minutes. Some retailers may take up to one hour.

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 or benefits can be direct deposited to my Green Dot card?

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

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 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 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.

How can I get my direct deposit money up to 2 days early?

When you enroll in direct deposit, you're automatically eligible to receive your pay, or government benefits up to 2 days early (depending on your payment provider's process and timing).

Some employers and benefits providers send payment instructions ahead of the actual payday. If they do, we'll credit the amount to your card when we receive payment instructions (instead of waiting for the actual payday) so you can enjoy your money sooner. However, it's important to note that if and how early your deposit can be posted to your account is completely dependent on when the employer or benefits provider sends us the payment instructions.

Will I always get my direct deposit early?

Employers and benefits providers often send payment instructions at different times from pay period to pay period. This means you will not always get your deposit as early every pay period. If you don't get it as early as you did the previous pay period, it doesn't mean there's something wrong or that we're holding on to it. It just means we haven't received it yet. Remember, we post direct deposits on the day we receive the payment instructions.

When will I receive my direct deposit on my card?

Green Dot will process your direct deposit the day we receive payment instructions from your employer or benefits provider. Please contact them for details on when your payment will be sent. Green Dot has no information regarding when your direct deposit will post.

If you log in to your account and set up the direct deposit Account Alert, we'll automatically notify you any time a direct deposit is received. Carrier message and data rates apply.

Do I have to sign up to get my direct deposit money up to 2 days early?

No. Early access to your direct deposit money is automatically a potential benefit of your Green Dot card if you are signed up for direct deposit. Whether or not you will get your direct deposit money up to 2 days early depends on when we receive the payment instructions from your employer or benefits provider.

Payroll, and government benefits are the only deposits that qualify for early access to your money.

How can I be sure the deposit was made?

You can easily check for your direct deposit a number of ways:

1. Sign up for direct deposit alerts to receive an email or text message any time a direct deposit is posted to your account.
2. Review your Transaction History online to check for your deposit.
3. Call our automated Green Dot Support Line 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.

Our customer service agents have no additional information other than what is provided online, in alerts, or on the automated phone system.

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 or benefit payment is deposited onto your card will usually vary from payday to payday. If you haven't received a direct deposit that you are expecting, it's because we haven't received the payment instructions from your employer or benefits provider.

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.

If you enrolled in direct deposit for federal benefits, you should contact the agency that administers your benefit.

• Social Security and Supplemental Security Income:
Check the calendar of Social Security Payments to see when your payment should arrive.

If you don't receive your payment on the date indicated on the calendar, contact the Social Security Administration at (800) 772-1213 or visit the Social Security website.

• Veterans Benefits:
Check the Veterans Benefits Pay Schedule to see when your payment should arrive.

If you don't receive your payment on the date indicated on the Payment Schedule, contact the Department of Veterans A airs direct deposit Center at (877) 838-2778 or visit the US Department of Veterans Affairs website.

• Federal Civil Service:
Check the Annuity Check Payment Schedule to see when your payment should arrive.

If you don't receive your payment on the date indicated on the Payment Schedule, contact the Once of Personnel Management/ Civil Service at (888) 767-6738 or visit the Office of Personnel Management website.

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 card.

For information on how to cancel direct deposit of 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 A airs at (877) 838-2778 or visit the US Department of Veterans Affairs website.

• Federal Civil Service: Contact the Once of Personnel Management/ Civil Service at (888) 767-6738 or visit the Office of Personnel Management website.

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 card.

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.

Can I transfer money from my outside bank account or debit card to my Green Dot card?

Yes, you can transfer money from up to 3 personal domestic bank accounts to your Green Dot card for a service fee of $1.50 per Standard Transfer or $2.95 per Express Transfer. When you add an outside bank account, Green Dot will verify that you own the account before allowing you to make a transfer. Limits apply.

How long does it take to transfer money from my bank account or debit card?

Once your outside bank account or debit card is verified, it will take 3 business days for each Standard Transfer or 1 business day for each Express Transfer.

How much does a bank transfer cost?

Each Standard Transfer will cost $1.50.

Each Express Transfer will cost $2.95.

Please check with your outside bank account as they may also charge a fee.

What type of bank accounts can I transfer money from?

You can use Standard Transfer to transfer money from your personal domestic:

• Checking
• Savings
• Money Market Checking
• Money Market Savings

You can use Express Transfer to transfer money from your personal domestic debit card. Outside bank debit cards must be issued by a licensed U.S. bank and be accepted on the Visa or MasterCard network (check your card for the logo!) in order to load money onto a Green Dot card.

How do I register my outside bank account so I can start using Standard Transfer?

1. Link your personal bank account. You will need your bank routing and account numbers to start (hint: you can get them from your bank website or checkbook).

2. In 3 business days, we'll send an email asking you to review your outside bank account's transaction history for two small trial deposits (amounts between $.01 and $1) from GREEN DOT. Then, we'll ask you to tell us those exact amounts so we can verify the bank account is yours.

3. Once your bank account is verified, you can transfer up to $500 per day and $1,000 per month to your Green Dot card. Subject to card load and balance limits.

How do I register my outside bank debit card so I can start using Express Transfer?

In order to register your bank debit card, you must:

1. Provide your bank debit card details, including card number, expiration date, and security code.

2. Verify ownership/access to the bank debit card by confirming the amount of a small, one-time test transaction (less than $1.00) that will be deducted from your debit card.

3. Return to greendot.com and enter the amount of the test transaction.

4. After confirming the amount, your bank debit card will be registered and you can begin loading your Green Dot card right away.

5. You only have to register a bank debit card once, as long as you choose "Remember my Bank Debit Card Information for every load" during the online registration process.

What are trial deposits or test transactions?

Green Dot makes two small trial deposits or test transactions to verify you own the bank account. The trial deposits or test transactions will be removed but they may still appear in your outside bank account's transaction history.

What do I do if I didn't get any trial deposits?

Generally it will take 3 business days, but please allow up to 4 business days for the trial deposits to post to your outside bank account. If you still have not received the trial deposits after 4 business days, please come back to greendot.com/standardtransfer, delete your outside bank account and try adding it again.

Can I cancel a bank transfer?

No, once a bank transfer is submitted there's no way to cancel it. Please make sure you have enough money in your outside bank account or debit card before submitting the transfer.

What happens if there's not enough money in my outside bank account or debit card to complete a bank transfer?

If there's not enough money in your outside bank account or debit card to complete a transfer, we will try again the next business day.

We will suspend your ability to use bank transfer while we try the transfer again. If you have enough money in your account when we try again, your suspension will be removed. If you still don't have enough money in your account when we try again, you won't be eligible to use bank transfer permanently.

How do I update the information associated with my registered bank debit card?

To edit information for a registered bank debit card, select the 'Load Card' option from the main menu and click on the 'Edit' link next to the registered bank debit card. You will be able to update the address, expiration date, and email address for that bank debit card.

To remove an outside bank debit card, select “Load Card” from the main menu and click on the “Delete” link next to the debit card you wish to remove. Once you confirm, the outside bank debit card will be deleted.

**TIP**: If you delete a bank debit card and wish to add it again in the future, you'll have to complete the registration process again for that bank debit card.

Learn more about Send Money

Can I transfer money from my Green Dot card to an outside bank account?

No, you can only transfer money from your personal outside bank account to your Green Dot card.

Can I transfer money from another person's bank account to my Green Dot card?

No, Green Dot only allows you to transfer money from your personal outside bank account to your Green Dotcard.

Do I need to keep my 'Confirmation Number'?

Please keep your Confirmation Number as a reference to a specific transaction. You will also receive a confirmation email after each transaction.

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 the Green Dot Bank routing number and direct deposit account 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. Please note: We will not accept tax refund direct deposits to your Green Dot card after 5/31/16.

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.

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.

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 most Green Dot cards at an ATM is $400 per day, please see your Cardholder Agreement or Deposit Account Agreement for limits. The daily spend limit is $3,000 per day, see your Cardholder Agreement or Deposit Account Agreement for limits.

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 $2,999 when you reload with cash, see your Cardholder Agreement or Deposit Account Agreement for limits.

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.

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.

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.

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.

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.

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

It's possible 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.

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.

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

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

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 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, 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. 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.

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.

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.

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, carrier message and data rates apply.

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, carrier message and data rates apply.

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.

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.

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.

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.

What can I do with the Green Dot mobile app?

• Check your balance and transaction history
• Find a Reload @ the Register location near you
• Submit checks for deposit. Fees and limits apply.

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.

How much does it cost?

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

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

HELP - show text commands

STOP - opt-out of texting/alerts

Learn more about using these texting commands.

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

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.

Is there a fee?

You will not be charged any fees for the use of the bill payment service.

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.

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

There is no minimum amount that can be paid, but there is a $1,500 maximum limit on each individual bill payment. Your bill payments will also count against the daily $3,000 spend limit on the card.

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.

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.

Can I send money to someone outside the U.S.?

No. Send Money is limited to U.S. residents.

What are the limits to Send Money?

You can send up to $1,000 in one day and $2,500 in 30 days.

If you have multiple Green Dot Bank issued cards, Send Money limits apply to all of them. Not sure if you have more than one card? Look for the words "Green Dot Bank" on the back of your card.

How can I cancel a Send Money transaction?

You can only cancel a Send Money transaction that is listed as "Unclaimed". To cancel, go to your Transaction History, click "Cancel", then confirm the cancellation.

If the transaction has already been claimed, you cannot cancel it and you will not be refunded.

How can the recipient pick up the money I sent?

Recipients can load money to a Green Dot Bank issued card or a PayPal account. If your recipient doesn't have a Green Dot card, they can register for one online and load the money you sent to a temporary card number.

What can I do if the recipient does not receive a notification?

You should first ask the recipient to check their spam or junk mail folder if you sent money via email. If you sent money through text, make sure their mobile phone service is working.

If the recipient still does not receive the notification, you can cancel the original Send Money transaction and try again.

What can I do if I sent money to the wrong person, email address or mobile phone number?

Green Dot is not responsible if you send money to the wrong person. To protect yourself against fraud, do not send money to someone you don't know or trust.

If you have sent money to the wrong email address or mobile phone, you should cancel the transaction right away. If the wrong recipient claimed the money you sent, the money cannot be recovered. To avoid this, be sure to double-check the recipient information before sending money.

How do I order or reorder a pack of paper checks?

To order a pack of personalized checks, log in to the Green Dot app. Once logged in, select Paper Checks from the Pay menu. Make sure your address is correct, and submit your order.

How much is a pack of paper checks?

Each order is just $5.95 and contains 12 checks. There is no additional charge for shipping. $5.95 will be deducted from your balance when you place your order.

How many paper checks come in a pack?

Twelve (12) checks come in a pack for just $5.95.

How long will it take to receive my pack of paper checks?

Your checks will arrive in 4 weeks.

What if I haven't received my pack of checks?

Please allow 4 weeks to receive your checks. If it has been longer than 4 weeks, log in to your account on our mobile app and navigate to the Pay section to cancel your order. The $5.95 order fee will be credited back to your account.

Will a Green Dot check work like any other bank-issued check?

You can use these checks to pay bills or people, just like any other check. Before you write a check, you must pre-authorize it using the app. If you don’t, your check won’t go through. When you pre-authorize a check the money is deducted from your account right away.

HOW IT WORKS:
1. Pre-authorize a check on the Green Dot app before filling it out or it won’t go through. Once you pre-authorize a check, it will only be valid for 90 days. No single check can be over $3,000.
2. We will deduct the amount from your account when you pre-authorize the check.
3. Sign the check and give it to the recipient. They’ll be able to cash or deposit it just like any other check.

How do I pre-authorize a check?

Before you sign the check and give it to the recipient, you’ll have to pre-authorize your check or it won’t go through.

HOW IT WORKS:
1. To pre-authorize your check, log in to the Green Dot app and navigate to the Checks page.
2. Select Pre-Authorize a Check and be sure the amount you pre-authorize matches the amount you write on the check.
3. Complete the form and hit Submit.

What happens if I don’t pre-authorize my check?

Checks that were not pre-authorized will be declined. If the check recipient was able to deposit a check that was not pre-authorized, he or she will be responsible for repayment of the check amount and may be assessed a returned check fee by his or her bank.

After I pre-authorize a check, how long will it be valid for?

Once a check has been pre-authorized, it will only be valid for 90 days. Any check not cashed or deposited within 90 days will expire and the pre-authorized amount will be credited back to your account.

What are the limits for ordering and writing checks?

How do I cancel or stop payment on a check?

If the pre-authorized check you issued has not been paid, you can stop payment or cancel the check through the app. Navigate to Checks and select Stop Payment. The money that was deducted from your balance when you pre-authorized the check will be credited back to you on the next business day. Any expired or cancelled checks are void and cannot be used again.

If I requested a replacement card, can I still use the checks I have now?

If you requested a replacement card, you can use your existing checks after you activate your replacement card. Any checks that you may have written prior to receiving your new card can be deposited by the payee.

If my address changes, can I still use the checks I have now?

Yes. If your address changes, you can use any remaining checks with your old address.

Where can I find Green Dot on Social Media?

facebook.com/greendot
instagram.com/greendotcards
twitter.com/GreenDotCards
youtube.com/GreenDotPrepaid

What are Green Dot's Social Media Guidelines?

Green Dot's social media accounts allow cardholders and consumers to engage with Green Dot and with one another. Green Dot welcomes differing opinions — but not to the detriment or disturbance of the community and its individual members. Green Dot expects users to not post content that falls into the following categories and reserves the right to remove content that is:

• abusive, defamatory, or obscene
• fraudulent, deceptive or misleading
• in violation of any intellectual property right of another
• otherwise inappropriate

We reserve the right to ban or block users from our social media channels that violate our Social Media Guidelines. We ask that all comments and images remain both relevant and respectful to our community as a whole. We thank you for your support and conversations.

Always remember to keep your information secure. Never share your Social Security number, birthdate or card number through social media.

Important Legal Information:

• Facebook, Instagram, Twitter and YouTube are public social media channels where anyone can participate. We cannot be responsible for views or opinions other than our own.
• Do not post someone else's copyrighted work unless you have permission.
• Our social media channels may not be used for the submission of any claim, demand, complaint or any other form of legal process.
• Green Dot may post links to third party websites and services that we do not control. Green Dot does not endorse, verify, or make any representations regarding these third party websites and services and is not responsible for the availability of, and any liability arising from, any information, content, advertising, products, services or other materials on or available through such third party websites and services.

When you visit Green Dot's third party social media sites such as Facebook, Twitter, YouTube, Instagram, etc., your activity there is subject to that site's terms and conditions, along with their privacy and data security practices and policies. These sites are not affiliated with Green Dot and may have practices and policies that are different from our own. Green Dot is not responsible for the privacy and data security practices and policies or the content of these third party sites.

What is Green Dot VIP Membership?

For just $4.95 a month, Green Dot VIP offers the following exclusive benefits:

• VIPs DON'T PAY GREEN DOT ATM FEES: We'll waive our withdrawal fee at any non-MoneyPass® ATM for VIPs, saving you $2.50 per withdrawal. MoneyPass ATMs are still free. ATM owners may still charge a fee.
• PRIORITY CUSTOMER SERVICE: Get FAST access to our Care Specialists.
• EXPEDITED REPLACEMENT CARD DELIVERY: For quicker delivery, we use expedited FedEx® shipping (at no cost to you) when VIPs request a replacement card.
• Green Dot VIP is not available with the NEW Green Dot Reloadable Prepaid MasterCard or Visa Card, the Green Dot Cash Back Visa Debit Card or cards sold at Financial Service Centers.

How can I become a Green Dot VIP?

Upgrade to VIP during card registration or by visiting the Green Dot VIP page. There is a $4.95 monthly VIP fee in addition to the card's Monthly Charge. The first VIP monthly fee is charged when you upgrade.

How can I cancel my VIP membership?

To cancel Green Dot VIP click here.