List of all fees for AccountNow Gold Visa Prepaid Card and AchieveCard Visa Prepaid Card


All fees Amount Details
Monthly usage
Monthly fee $9.95 Your first monthly cycle lasts for 30 days and begins on the date you first load funds on your Card. Each subsequent monthly cycle will end on the same day of the month each month. The Monthly Fee will be assessed at the time of the first load of funds on your Card and charged on the same day of each subsequent month on the first day of your monthly billing cycle thereafter.
The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG-MONTHLY) or AchieveCard: (Account Maintenance).
Add money
Direct deposit $0.00 No fee for direct deposit.
Cash reload $5.95 A fee of up to $5.95 may be collected by our reload agents when reloading your Card Account at their locations. This fee is charged by the reload agent and is subject to change. This fee is not deducted from the Card Account and will not be reflected in any electronic or written account transaction histories. To find a list of reload locations, log in to your Card Account at the Card Program Website.
Mobile check load - standard $0.00 This is a third-party fee and is subject to change. Standard text message or data rates may apply.
Mobile check load – expedited (government and payroll checks with a pre-printed signature) Greater of 2.0% or $5.00 Per check load. Percentage taken of total check amount. Fee deducted from check total prior to loading your Card Account. This is a third-party fee and is subject to change. This fee is not deducted from the Card Account and will not be reflected in any transaction histories. Standard text message or data rates may apply.
Mobile check load – expedited (all other accepted check types) Greater of 5.0% or $5.00 Per check load. Percentage taken of total check amount. Fee deducted from check total prior to loading your Card Account. This is a third-party fee and is subject to change. This fee is not deducted from the Card Account and will not be reflected in any transaction histories. Standard text message or data rates may apply.
Spend money
Bill payment (regular delivery) $0.00 Bill Pay available when you log in to your Card Account at the applicable Card Program Website. Regular bill pay transactions will generally be completed within 3 business days for electronic payments and within 7 business days if we have to mail a paper check to pay your bill.
Bill payment (expedited delivery) $9.95 Bill Pay available when you log in to your Card Account at the applicable Card Program Website. Expedited Bill Pay is not available for the AchieveCard program. For electronic payments only. Expedited Bill Pay transactions will generally be completed within 1-2 business days.
The fee descriptor that will be shown on transaction histories is: (EXP BPAY CONV FEE).
Per purchase $0.00 There is no fee for PIN or signature-based purchase transactions made with your Card.
ACH debit payment $2.50 Fee charged each time funds are withdrawn from your Card Account using the Bank’s routing number and the direct deposit account number assigned to your Card Account.
Tip: To avoid ACH debit payment fees, you can use the Bill Pay service to make payments to certain merchants, billers, and other payees.
The fee descriptor that will be shown on transaction histories is: AccountNow: (SRVC CHG-ADD/REM FND) or AchieveCard: (ACH_WITHD).
Get cash
ATM withdrawal $2.50 This is our fee. When you use an out-of-network ATM, you may also be charged a fee by the ATM operator, even if you do not complete a transaction. “Out-of-network” refers to all ATMs outside of our network of surcharge-free ATMs, and “in-network” refers to all ATMs in our network that are surcharge-free. To find an in-network ATM for AccountNow, log in to your account at the Card Program Website. To find an in-network ATM for AchieveCard, visit the Card Program Website.
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.
The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG ATM WITHDRAW) or AchieveCard: (Fee-ATM Withdrawal).
Teller cash withdrawal $15.00 This is our fee that is charged for a cash withdrawal via a teller at a participating bank.
Tip: To avoid the teller cash withdrawal fee, select “Debit” and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores.
The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG CASH ADV) or AchieveCard: (Fee-ACH Withdrawal).
ATM withdrawal decline $1.00 This is our fee. A per-transaction fee for using an ATM to withdraw money from your Card Account and having the transaction declined. You may also be charged a fee by the ATM operator, even if you do not complete a 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.
The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG NSF ATM) or AchieveCard: (ATM Withdrawal Decline – Insufficient Funds).
Information
Customer service (automated) $0.00 No fee for calling our automated customer service line, including for balance inquiries.
Customer service (live agent) $0.00 No fee for calling our customer service line to speak to a live agent, including for balance inquiries.
ATM balance inquiry $1.00 This is our fee. A per-transaction fee for using an ATM to obtain your Card Account balance. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
Tip: To quickly check your balance and avoid ATM balance inquiry fees, call our automated customer service.
The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG BALANCE INQ) or AchieveCard: for ATM balance inquiries routed by Visa: (Fee-Domestic ATM Balance Inquiry) or for ATM balance inquiries routed by a non-Visa PIN network: (Fee-ATM PIN Balance Inquiry).
Using your Card outside the U.S.
International transaction 3.00% Of the U.S. dollar amount of each transaction.
**International transactions are restricted to online merchants only**
The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG INTRNTL TRAN) or AchieveCard: (Fee-Transaction Type (with currency conversion)).
Other
Inactivity $0.00 No fee for inactivity or dormancy of the Card Account.
Replacement Card $10.00 Per lost, stolen, or damaged Card replaced on a non-expedited basis (generally within 7-10 business days).
The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG REPLACE CARD) or AchieveCard: (Fee-Reissue Card).
Expedited shipping of replacement Card $25.00 Per request. Fee charged each time you request a replacement Card to be delivered to you on an expedited basis (generally within 3-5 business days). Charged in addition to the Replacement Card fee.
The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG EXPED CARD) or AchieveCard: (Fee-Reissue Card Urgent Shipment).
Bill Pay stop payment $20.00 Per successful Bill Pay stop-payment order. For the AchieveCard Card program, there is no fee for Bill Pay stop payment services.
The fee descriptor that will be shown on transaction histories is: (BILL PAYMENT).
Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to The Bancorp Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event The Bancorp Bank fails, if specific deposit insurance requirements are met. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.

Contact Customer Service at the contact information found at the beginning of the Cardholder Agreement.

For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Bureau of Consumer Financial Protection at 1-855-411-2372 or visit cfpb.gov/complaint.