Green Dot Prepaid Visa® Card FAQs ​(purchased at a retail store)

  • If you have a Deposit Account Agreement, some of your fees may be different, please log in to view your specific Account Agreement.​

    The table below shows the fees that apply to the Green Dot Prepaid Visa® Card. The fee schedule below describes the fees associated with our accounts and services. We may offer additional products, services and features from time to time, and the fees for those offerings will be disclosed to you at the time they are offered. In addition to the fees listed below, there are some situations where a third party may charge additional fees. For example, when you use an ATM you may be charged a fee by the ATM operator in addition to our fee.

    All Fees Amount Details
    Get Started    
    Card purchase $1.95 This fee may be lower depending on where the card is purchased or acquired. This fee is not deducted from your Card account and will not be reflected in any transaction histories.
    Monthly Usage    
    Monthly Fee $7.95 Monthly fee is waived when you load $1,000 or more to your Card in the previous monthly period. A person-to-person transfer is not considered a load for the purpose of waiving the monthly fee. If you purchased your Card at a retail location, your first monthly fee will be assessed upon the earlier of: (i) the first use of your Card or (ii) the day after you register your Card. If you sign up for your Card online, your first monthly fee will be assessed when your Card is initially loaded with funds. Subsequent monthly fees will be assessed on the same day of each month. Each monthly period begins the day your monthly fee is assessed and ends the day before your next monthly fee is to be assessed. If you purchased your Card at a retail location and do not use or register your Card, your first monthly fee will be assessed beginning 90 days after the date you purchased your Card.
    Add money    
    Cash Reload $5.95 Fees of up to $5.95 may be collected by our reload agents when reloading your Card at their locations. This fee is charged by the reload agent and is subject to change. This fee is not deducted from your Card account and will not be reflected in any transaction histories. Reload locationsmay be found at www.attheregister.com.
    Get cash    
    ATM withdrawal $3.00 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
    Teller cash withdrawal $3.00 This is our fee for a cash withdrawal via a teller at a participating bank.
    Information    
    ATM balance inquiry $0.50 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
    Using your card outside the US    
    International transaction 3% Of the U.S. dollar amount of each transaction.
    Other    
    Paper checks $5.95 For a pack of 12 checks.
    Card replacement (regular delivery) $5.00 Per lost, stolen, or damaged Card replaced on a non-expedited basis (generally within 7-10 business days).
    Card replacement (expedited delivery) $15.00 Fee charged each time you request a replacement Card to be delivered to you on an expedited basis (generally within 3 business days). Charged in addition to the Card replacement fee for regular delivery.
    VIP upgrade $3.50 This is a monthly fee for exclusive benefits. Charged at the same time, and in addition to, the monthly fee

     

    Register your Card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Green Dot Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Green Dot Bank fails, if specific deposit insurance requirements are met and your Card is registered. See fdic.gov/deposit/deposits/prepaid.html for details. Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank, and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. No overdraft/credit feature. Contact Green Dot Bank by calling (866) 795-7597 or the number on the back of your Card, by mail at P.O. Box 5100, Pasadena, California 91117, or visit www.greendot.com. For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1- 855-411-2372 or visit cfpb.gov/complaint.

    The Green Dot Prepaid Visa® Card comes with a variety of features to help you manage your money and save on fees. For instance, the Monthly Maintenance Fee can be waived if you load at least $1,000 during the previous monthly period. Plus, you could get your pay up to 2 days before payday and your federal benefits up to 4 days before benefits day.

    Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. Make sure the name and social security number on file with your employer or benefits provider matches what’s on your Green Dot account exactly. Green Dot will not be able to deposit your payment if we are unable to match recipients.

  • The Green Dot Prepaid Visa® Card gives you access to 24/7 banking, mobile check deposit, earlier paydays, no bank transfer fees, lock/unlock protection, and a range of other options. Our ever-growing retail network of 90,000 + locations allows you to deposit funds nationwide. PLUS, with the Vault feature you can set aside money for something special or set up an emergency fund. Your Green Dot Prepaid Visa® Card gives you personalized mobile-based banking at a great value!

  • Depositing cash to your Green Dot account has never been easier! With the Green Dot Prepaid Visa® Card you can make cash deposits at the register of 90K+ retailers nationwide. You can also have family or friends add cash to your account using MoneyPak® - learn more here.
    Log into the app and click “Deposit” or Visit GreenDot.com/Deposit for all the ways you can deposit cash to your account including bank transfers and mobile check deposits.

  • Upon successful completion of registration of your Green Dot Prepaid Visa® Card, you can use your card to make purchases everywhere Visa® debit is accepted in the U.S.

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

  • After activating your Green Dot Prepaid Visa® Card and setting up direct deposit, you may be eligible to receive your pay up to 2 days early or government benefits up to 4 days before benefits day (subject to deposit verification and 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 account 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 and fraud restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. Make sure the name and social security number on file with your employer or benefits provider matches what’s on your Green Dot account exactly. Green Dot will not be able to deposit your payment if we are unable to match recipients.

  • The Green Dot Money Vault is a FREE feature that allows you to set aside cash for a rainy day or a specific goal. Use it to stash cash for safe keeping, emergencies, or future purchases (like gifts for loved ones)! Money in your Vault cannot be spent on purchases or cash withdrawals and does not earn interest. You can move funds in and out of your Vault to your Green Dot Prepaid Visa® Card account balance as often as you like, subject to security limits. There are no additional fees to use the Vault, but money in your Vault does not earn interest.

  • You can send money to anyone in the U.S. with a Green Dot account as long as you have a valid email address or mobile phone number for the recipient.

    1. Log in and navigate to Pay, then select Send Money.
    2. Enter the recipient’s name, email address or mobile phone number, memo, and the amount to send.
    3. Hit “Next” to review the information before selecting “Send Money” to complete the transaction.
  • Your Green Dot Prepaid Visa® Card comes with a variety of mobile banking features including mobile check deposit, online bill pay, and sending money to another Green Dot account. Set up your new Green Dot Prepaid Visa® Card on your phone to use with Apple Pay, Google Pay or Samsung Pay so you can “tap and spend” (where mobile payments are accepted) and also easily make mobile purchases (where Apple Pay, Google Pay or Samsung Pay are accepted). Of course, you can always use your physical Visa® Card at stores and ATMs where Visa®debit is accepted!

  • No, a Green Dot Prepaid Visa® Card can’t help improve your credit because the account does not have a credit line attached to it like a credit card. But a Green Dot Prepaid Visa® Card can be very helpful for money management.

  • The card you purchased at a store is a temporary card and is not personalized with your name nor has your address associated with the account. When you successfully register your card, a new card personalized with your name will be sent in the mail.  Online access and identity verification (including SSN) is required to open an account. Mobile number or email address verification and mobile app are required to access all features. For instance, when you activate your Green Dot Prepaid Visa® Card, you’ll be able to deposit checks,  pay bills, order paper checks and more!

Green Dot Prepaid Visa® Card FAQs (received from a Tax Preparer)