You do not have to accept this payroll card. Ask your employer about other ways to receive your wages.
| Short-Form Fee Schedule | ||||
|---|---|---|---|---|
| Monthly Fee $0 | Per Purchase $0 | ATM Withdrawal | Cash Reload | (third party providing the load service may charge a fee) |
| ATM Balance Inquiry (in-network or out-of-network) | $0 or $1.00 | |||
| Customer Care (automated or live agent) | $0 | |||
| Inactivity (after 12 months with no transactions) | $1.95 | |||
| We charge eight other fees; here are some of them: | ||||
| Card-to-Card Transfer | $1.00 per transaction | |||
| External Transfer | $1.00 per transaction | |||
| ATM Decline | $1.00 per decline | |||
| See Cardholder Agreement for free ways to access your funds and balance information. |
Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to Patriot Bank, N.A., an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC if Patriot Bank, N.A. fails, if specific deposit insurance requirements are met, and if your Card is registered. See fdic.gov/deposit/deposits/prepaid for details.
There is no overdraft/credit feature
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 855.411.2372 or visit cfpb.gov/complaint.
The Spentra Mastercard® Payroll Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Consult your Cardholder Agreement and the Fee Schedule for fees, terms, and conditions associated with the approval, maintenance, and use of the Card. The Card may be used everywhere Mastercard debit cards are accepted. Restrictions apply; see Cardholder Agreement for details.