Model Form for Short Form Disclosures for Payroll Card Accounts
You do not have to accept this payroll card.
Ask your employer about other ways to receive your wages.
- Monthly fee
- Per purchase
- ATM Withdrawal
- Cash reload
|ATM balance inquiry||$1.00|
|Customer service (automated or live agent)||$0 or $0 per call|
|[See Payentry Card Cardholder Long Form Disclosure for free ways to access your funds and balance information.]|
No overdraft/credit feature.
Your funds are eligible for FDIC insurance.
For general information about prepaid accounts, visit cfpb.gov/complaint..
Find details and conditions for all fees and services in the cardholder agreement.
SCHEDULE OF ALL FEES AND CHARGES FOR Payentry Prepaid Visa® Card
State : ALL
|Card Activation Fee||$0||One time new card account fee|
|Direct Deposit||$0||Per transaction|
|Value Load||$2.00||Per transaction. 3rd Party Load Networks charge additional fees. Please consult 3rd Party Load Network for a schedule of their fees and charges (Western Union, MoneyGram, and Visa Ready Link).|
|Card-to-Card Transfer||$1.00||Per transaction|
|POS PIN Debit Purchase||$0.50||Per declined domestic PIN based transaction|
|POS Signature Purchase||$0||Per declined domestic Signature based transactio|
|Bank Teller Withdrawal||2% with $5.00 minimum||1 free withdrawal per pay period. 2% per transaction thereafter|
|POS PIN Purchase (Declined)||$1.00||Per declined domestic PIN based transaction|
|POS SIG Purchase (Declined)||$1.00||Per declined domestic Signature based transaction|
|ATM Withdrawal (US)||$2.00||Per withdrawal, plus any third-party ATM operator fees, if any|
|ATM Withdrawal (Declined)||$1.00||Per declined domestic ATM transaction|
|Automated System Customer Service||$0||Per call when accessing the automated customer service line|
|Live Agent Customer Service||$0||Per call with a live customer service representative|
|ATM Balance Inquiry||$1.00||Per inquiry, plus third-party ATM operator fees, if any|
|Using your card outside the U.S.|
|ATM Withdrawal (Int’l)||$4.00||Per withdrawal, plus the foreign transaction surcharge and thirdparty ATM operator fees, if any|
|ATM Withdrawal (Declined) (Int’l)||$2.00||Per declined international ATM transaction|
|ATM Balance Inquiry (Int'l)||$2.00||Per inquiry, plus third-party ATM operator fees, if any|
|POS PIN Debit Purchase (Int’l)||3% of transaction||Per any international PIN based transaction|
|POS Signature Purchase (Int’l)||3% of transaction||Per any international Signature based transaction|
|POS PIN Purchase (Declined) (Int’l)||3% of transaction||Per declined international PIN based transaction|
|POS SIG Purchase (Declined) (Int’l)||3% of transaction||Per declined international Signature based transaction|
|Inactivity Fee||$2.95||Monthly, after each 90 day period in which you do not load or unload fund to your card or use your card to make a purchase or an ATM withdrawal or until new activity is conducted.|
|Account Closure/Balance Refund||$0||See item #28 Amendment and Cancellation terms when applicable and not applicable.|
|Early Access||$0||Per deposit|
|Bill Pay||$2.00||Per payment made to a merchant using ACH debit|
|Electronic Withdrawal||$1.00||Per withdrawal sent to a 3rd Party account|
|Replace Card||$10.00||Per lost, stolen, or damaged card replacement requested|
|Expedite Card||$20.00||Fee for expedited card delivery|
Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Metropolitan Commercial Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Metropolitan Commercial Bank fails, if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.
No overdraft/credit feature.
Contact Expanse Financial Technologies, Inc. – Payentry Prepaid Visa Card by calling 800-326-9813, by mail at P.O. Box 307, New Hyde Park, NY 11040, or visit www.payentrycard.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.