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About Green Dot and the Green Dot Card:

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Tax Refund

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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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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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About Green Dot and the Green Dot Card:

What is the MyAccountCard Program?

The "MyAccountCard Program" was launched by the United States Department of the Treasury to bring low cost financial services to a number of Americans. It’s goal is to help you get your tax refund faster, avoid paying fees (such as check cashing fees) and save money. The Green Dot Card is the vehicle that allows you to make all transactions with the account. The Green Dot Card is a prepaid Visa that can be loaded with cash, a paycheck, a tax refund or ACH bank transfer and used over and over again. The Card can be used anywhere Visa debit Cards are accepted worldwide. There's no line of credit associated with your Card because it's a prepaid debit Card. Personalized Cards can be used at ATMs. 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

What is Green Dot?

Green Dot is the leading provider of prepaid debit Cards in the United States. Green Dot has partnered with the United States Department of the Treasury to bring the "MyAccountCard Program" to a number of Americans. Green Dot is the service provider for the "MyAccountCard Program", which means that they provide account maintenance and customer service to participants in the program. Founded in 1999, Green Dot is an American-based company with headquarters in the Los Angeles, California area.

How is the Green Dot Card different than a Gift Card?

Unlike gift Cards, Green Dot prepaid Cards are personalized with your name, allow you to make ATM withdrawals in addition to making purchases, and can be reloaded with money. You can also use the temporary Card number provided at the end of account registration to add money to your Card and pay for purchases Card until your Personalized Card arrives in the mail.

You will be able to make PIN purchases with your Temporary card and once you receive your Personalized card will then be able to make ATM or other cash withdrawals.

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.

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.

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

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

How old do you have to be to use the Card?

You must be at least 18 years old to activate a Card. If you are under 18, a parent or legal guardian must be on the phone during the Card registration process in order to accept the Cardholder Agreement on behalf of his or her underage child. If the minor's parent or legal guardian does not accept the agreement, Personalized Cards will not be sent.

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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.

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.

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Temporary Card

What is the Temporary Card?

At the end of account registration you will receive a temporary Card number. The temporary Card can be loaded with money and used to pay bills and make purchases online.

How do I add money to my temporary Card?

You can load your temporary Green Dot Card with cash by purchasing a MoneyPak at a participating retailer. (the retailer will likely charge $4.95 for this service). You can transfer funds from a bank account (ACH transfer) and directly deposit your paycheck or tax refund. Login at www.USGreenDot.com to learn more.

Where can I use my Temporary Card?

Your Temporary Card can be used at U.S. merchants. It can be used at stores for PIN-debit and signature purchases. For signature purchases, all you have to do at the register is select "credit" and sign. You can also make purchases online and over the phone.

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).

Is there any place I cannot use my Temporary Card?

Green Dot Cards cannot be used for online gambling. Green Dot Cards are also not designed for business use.

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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 activate. Cards are shipped first class U.S. Mail the next business day after activation. You can use your Temporary Card to make purchases while you wait for your Personalized Card. After activation of the Personalized Card, the amount on your Temporary Card 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 your protection you need to call 1-866-795-7971 to activate your Personalized Card.

Can I withdraw money from an ATM?

Yes. You will select a 4 digit PIN (personal identification number) when you activate your Personalized Card. Please note ATM fees may apply; please see your Cardholder Agreement for more information.

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 1-866-795-7971.

Can I spend more money than I have on the Card?

No. But 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.

Are there any overdraft penalty fees?

No, there are no overdraft penalty 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 dangerous if the recurring charge is for an essential service.

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.

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 1-866-871-2416 to report your Card lost or stolen. We will cancel your Card and transfer the funds from that Card to a new Card that 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 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 Personalized Card?

Enroll in direct deposit! Direct deposit is the free and easy way to reload your Personalized Green Dot Card! Your funds are immediately available on your Green Dot Card on payday. Click here to learn more. Besides direct deposit, you can also reload your Card by going to a participating retailer or setting up an online reload from your bank. Fees may apply for non-direct deposit reloads. Temporary Cards are also reloadable. 1

How do I reload my Card by going to a retailer?

To reload at a participating retailer you can purchase a MoneyPak. MoneyPaks can usually be found in the same section where prepaid Cards are sold. Give the cashier the MoneyPak along with the money you wish to load onto the Card. After the cashier has loaded the funds to the MoneyPak go to www.USGreenDot.com or call 1-800-GREENDOT to apply the funds to your Card. Most retailers charge $4.95 for this service in addition to the amount you wish to load onto the Card. For more information, click here.

Can I wire funds from my Bank to my Green Dot Card?

No, Green Dot does not accept wired funds. However, there are convenient ways to add money to your Card. Direct Deposit is the free and easy way to reload your Personalized Green Dot Card! Your funds are immediately available on your Green Dot Card on payday. Click here to learn more. Besides direct deposit, you can also reload your Card by purchasing a MoneyPak at a participating retailer or setting up an online reload from your bank. Fees may apply for non-direct deposit reloads. Temporary Cards cannot be reloaded.

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.

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

The maximum balance is $3,500. We, in our sole discretion, may allow balances in excess of these limits if the Card is loaded through direct deposit.

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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Direct Deposit

How do I begin using Direct Deposit?

The process is easy!

  1. Ask your payroll or benefits office if they offer Direct Deposit. If they do, simply print the Direct Deposit form from the Green Dot website by logging into to www.USGreenDot.com, clicking Add Funds and Direct Deposit.
  2. Fill out the Direct Deposit form and give it to your payor and they will enroll you
  3. Please allow 1-2 pay periods for the service to take effect and then your paycheck will be automatically deposited directly onto your Green Dot Prepaid Card.

How can I be sure the deposit was made?

Usually, your payor will give you a payment stub or notice that lets you know the amount of the payment deposited to your account. You can also review your account details online at www.USGreenDot.com to ensure the deposit was made. Additionally, you can call Green Dot Customer Support at 1-866-795-7971 for your most recent direct deposit amount and date.

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 1-866-795-7971 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 representative when you call
  3. We will get back to you within 48 business hours with the status of your direct deposit.

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 Card.

Can tax refunds for other people be direct deposited to my card?

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 may 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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Your Balance and Transaction History

How do I check my Card balance and transactions?

You may check your balance and transaction history online 24/7 by logging into your account on this website. You may also call customer support at 1-866-795-7971. There is no charge to check your balance online or over the phone. You can also request account alerts, a special feature that allows you to receive your Card balance to your email, cell phone or both. Additionally, you can register to be able to send a text message to Green Dot to request your balance. 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.

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.

You can check your progress towards a Monthly Charge waiver on the Account Summary page. Don’t worry, any pending purchases that post after the current billing cycle will be counted in the next one.

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 (90 for car rentals) days 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?

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.

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. Then, they'll charge the full amount.

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

In case of errors or questions on your Card transactions you should call us at 1-866-795-7971 or print and complete a Transaction Dispute Form and fax to: (866) 963-6224 if you do not have access to a fax, please mail to: Green Dot Customer Service, P.O. Box 1187, Monrovia, California 91017 as soon as you can. Contacting us immediately after you notice an error on your Card transaction history is the best way to protect your money and ensure that you are within the allowed timeframes to dispute purchases. Click here for more details. You may request a written history of your transactions at any time by calling or writing us. When notifying us, you will need to tell us:

  • Your name and Card number
  • Why you believe there is an error, and the dollar amount involved
  • Approximately when the error took place

If you tell us over the phone, we may require that you send us a letter 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.

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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, and selecting "Edit Contact Info" under the "Support" tab. You can also call customer support at 1-866-795-7971 to update your address.

You must also meet both of the following requirements to receive a new Card:

  • have more than $0 on your Card 30 days prior to the expiration date
  • have reloaded or made a purchase on your Card within the last 90 days prior to the expiration date

How do I cancel my Card?

To cancel your Card you can call customer support at 1-866-795-7971. You can also log into your account online, go to the "Security" tab and then click on "Close Card." When your account is cancelled, all funds remaining on the Card will be converted into a check and mailed 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.

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.

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
  • Account alerts will be deactivated if your balance is zero for 7 continuous days or your Card has been inactive for 60 days. You may re-enroll at any time and will receive alerts as long as your balance is greater than zero and have had 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.

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Green Dot Mobile

What is Green Dot Mobile?

Green Dot Mobile lets you access the most important features of Green Dot on your mobile phone. It's easy to use! With Green Dot Mobile you can:

  • Check your balance
  • Find a reload location

Do I have to sign up for this service?

Yes, in order to use this service you have to register your cell phone number. To register, click here.

How do I check my balance with this service?

Just send a text message "Bal Last4" to 43411 (GD411) where Last4 is the last 4 digits of your Card number.

How do I find the nearest reload location?

Just send a text message "Loc ZipCode" or "Loc City State" to 43411 (GD411)

How much does it cost?

It's free. Green Dot does not charge for the use of Green Dot Mobile. However, standard text messaging rates may apply from your wireless carrier.

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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

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 Green Dot 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 bill payment transactions.

Who can I pay?

You will be able to pay almost any bill. 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 $1,000 maximum limit on each individual bill payment. Your bill payments will also count against the daily $2,500 spend limit on the Green Dot 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 Green Dot 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. 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 email. You should check your email to ensure that your scheduled future payments are made.

It is your responsibility to make sure there are sufficient funds on your Green Dot Card before 1:00 pm ET on the date the payment is scheduled for debit from your Card.

You must provide a valid email address when you enroll for Online Bill Pay. This is the only method for you to receive 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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