NOTE: If you are an existing customer, you may be under a different price plan.  Please log in to your account and refer to your Cardholder Agreement.

The following fees and usage limits apply to your Card Account. There are different usage limits for AccountNow Gold customers who are on direct deposit and those without direct deposit. “Customers on Direct Deposit” means cardholders with a recurring direct deposit set up from their payroll or benefits provider. PayPal deposits, loan advances, balance transfers, merchant deposits and tax refund transactions are not considered recurring direct deposits.

Transaction fees and usage limits may change without prior notice, except as required by law. For example, you may not receive prior notice of a change if the change is made for security purposes. Fees charged could result in a negative balance in your Card Account. If that occurs, funds subsequently deposited into your Card Account will be applied to the negative balance.

Description Fee
AccountNow
Gold Visa
Prepaid Card
AccountNow
Prepaid MasterCard Card
Activation Fee applied at first load of Card (SVC CHG FIRST LOAD) $0.00 $4.95; one time charge
Monthly Fee (SVC CHG-MONTHLY)
Initially charged at time of first value load on your Card, and charged on the same day of each subsequent month
$9.95 per month $0.00
Card purchases when using your signature (Visa or MasterCard Purchase) (SVC CHG NO PIN TRN) $0.00 $1.00 per transaction
Card purchases when using your PIN (Debit Purchase) (SVC CHG PIN TRAN) $0.00 $1.00 per transaction
ATM Balance Inquiry (SVC CHG BALANCE INQ)
Using an ATM to obtain Card Account balance
$1.50 per transaction $1.50 per transaction
U.S. ATM Withdrawal (SVC CHG ATM WITHDRAW)
Using a U.S. ATM to withdraw money
$2.50 per transaction
Tip: To avoid ATM fees, select “Debit” and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores.
$2.50 per transaction
Tip: To avoid ATM fees, select “Debit” and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores.
ATM Withdrawal Decline (SVC CHG NSF ATM) $1.00 per transaction $1.00 per transaction
Adding Money by Direct Deposit $0.00 $0.00
Card to Card Transfer
Transferring funds from one Card to another
$0.00 $0.00
Managing your Card account online, online statements $0.00 $0.00
Paying your bills online with Bill Pay (non-expedited service) $0.00 $0.00
Deposit, balance, and other account information sent to your cell phone with Mobile Text Alerts $0.00
(Carrier fees may apply)
$0.00
(Carrier fees may apply)

Other Fees (for optional and less common services):

Description Fee
Bank Teller Cash Withdrawal (SVC CHG CASH ADV) 3% of transaction amount
Express Delivery Charge (DR ADJ EXPEDTD FEE; SVC CHG EXPED CARD) $25.00 per occurrence
ACH debit (SRVC CHG-ADD/REM FND)
When funds are withdrawn from your Card Account using our bank routing number and your 11-digit Account Number
$2.50 per transaction
Tip: To avoid ACH debit fees you can use the online Bill Pay service we make available to you to make payments to payees instead of using our bank routing number and your Account Number for payment.
Bill Pay Expedited Service (BILL PAYMENT)
To have your funds delivered one to four business days faster
$9.95 per request
Bill Pay Stop Payment (BILL PAYMENT) $20.00 per request
Additional Card (SVC CHG REPLACE CARD) $10.00 per request
Paper Statement (STATEMENT FEE)
Mailing Paper Statements or documents relating to your Card Account
$1.00 per paper statement or document mailed;
no charge for online access.
International ATM Withdrawal (SVC CHG ATM WITHDRAW) $4.95 per transaction
Foreign Currency Conversion (SVC CHG INTRNTL TRAN) 3% of transaction amount after conversion

Usage Limitations

Transaction Type Frequency and/or Dollar Limits
(for typical transactions)
Standard Limits for AccountNow Gold Customers without Direct Deposit Upgraded Limits for AccountNow Gold Customers on Direct Deposit Limits for AccountNow Prepaid MasterCard Card Customers
Cash Withdrawal (ATM) $300.00 per day $500.00 per day
(requires one (1) or more direct deposits)
$300.00 per day
Cash Withdrawal (Over the Counter) $1,000.00 per day $1,000.00 per day $1,000.00 per day
Card Purchases (Signature) $2,000.00 per day $3,000.00 per day
(requires three (3) or more consecutive direct deposits)
$2,000.00 per day
Card Purchases (PIN) $2,000.00 per day $3,000.00 per day
(requires three (3) or more consecutive direct deposits)
$2,000.00 per day
Direct Deposits & ACH Deposits (Amount) $10,000.00 per day $10,000.00 per day $10,000.00 per day
Direct Deposits & ACH Deposits (Frequency) 8 per day 8 per day 8 per day
Cash Deposits (Amount)* $1,500.00 per day;
$9,500.00 per month
(past 30 days)*
$1,500.00 per day;
$9,500.00 per month
(past 30 days)*
$1,500.00 per day;
$9,500.00 per month
(past 30 days)*
Cash Deposits (Frequency)* 5 per day;
30 per month
(past 30 days)*
5 per day;
30 per month
(past 30 days)*
5 per day;
30 per month
(past 30 days)*
Cash/ Direct Deposit/ACH Deposits Combined (Amount) $10,000.00 per day $10,000.00 per day $10,000.00 per day
Cash/ Direct Deposit/ACH Deposits Combined (Frequency) 8 per day 8 per day 8 per day
Card-to-Card Transfers (Amount) $500.00 per day;
$3,000.00 per calendar month
$500.00 per day;
$3,000.00 per calendar month
$300.00 per day;
$3,000.00 per calendar month
Card-to-Card Transfers (Frequency) 3 per day 3 per day 3 per day
Maximum balance at any given time $10,000.00 $10,000.00 $10,000.00

* Third party money transfer services used to load funds to your Card Account may have their own daily, weekly or monthly limits on the frequency or amount of cash you can value load to your Card Account.
[PAYGFees2]