CARDHOLDER FEES - Mastercard Personalized


Fees associated with your Card
Initial and Monthly Fees
Issuance n/a
Monthly Account Service Fee $4.95
Get Cash
Point of Sale No Charge
ATM Withdrawal Fee US $1.95*
ATM: Decline, Balance Inquiry, Balance Inquiry Decline $0.95*
Over-the-Counter Withdrawal Fee US $5.95
Get Cash International
ATM Withdrawal Fee Intl $3.00 + 1.5% of the ATM Withdrawal Amount*
ATM: Decline, Balance Inquiry, Balance Inquiry Decline $0.95*
Over-the-Counter Withdrawal Fee Intl $5.95 + 1.5% of the transaction amount*
Spend Money
Transactions: Signature or PIN; Returned or Declined No Charge
Online Bill Pay – Electronic Fee $0.25
Online Bill Pay – Paper Check Fee $2.50
Online Bill Pay – Check Cancellation Fee $7.95
Spend Money International
Foreign Transaction Fee $0.25 + 1.5% of the transaction amount
Foreign Transaction Decline Fee $0.25
Load Money
Direct Deposit No Charge
Card-to-Card Transfer Fee $1.00
ReadySTATION™ Reload $1.00
Third Party Load or Reload Varies
Bank ACH Transfer $1.00
Account Information
Balance Checks/Card Account Information No Charge via Website, Alerts**, and Ready-STATIONS
Live Agent Customer Service Fee 4 No charge Calls/a month; $3 each additional call
Automated Phone Service Fee 4 No Charge Calls/a month; $0.25 each additional call
Other Services
Card Replacement Fee $4.95
Paper Statement Fee $3.00/each
*Third-party fees and standard Text Message Rates may apply
**Standard Text Message Rates may apply.
Questions? Please contact Customer Service at 1-800-506-0630 or visit

ATM Fees: When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Foreign Transaction Fee: If you obtain your funds (or make a purchase) in a currency or country other than the currency or country in which your Card was issued ("Foreign Transaction"), you will be charged a fee equal to $0.25 + 1.5% on the total amount of the transaction in U.S. Dollars. The card association may consider transactions occurring in U.S. territories to be Foreign Transactions, so transactions originating from these locations may be subject to a Foreign Transaction Fee. If the Foreign Transaction results in a credit due to a return, we will not refund any Foreign Transaction Fee that may have been charged on your original purchase.

Currency Conversion: If you make a Foreign Transaction, the amount deducted from your funds will be converted by the network or card association that processes the transaction into an amount in the currency of your Card. Mastercard International Inc. and Visa U.S.A. Inc. currently use a conversion rate that is either: (i) selected from the range of rates available in wholesale currency markets (which may vary from the rate the association itself receives), or (ii) the government-mandated rate in effect for the applicable central processing date. The conversion rate selected by the network is independent of the Foreign Transaction Fee that we charge as compensation for our services.