ECARD INC Prepaid Card Cardholder Agreement

CUSTOMER SERVICE CONTACT INFORMATION:

PO BOX 3385 Astoria, NY 11103
www.ecardinc.com
1-866-ECARD-88
IMPORTANT NOTICES:
  1. PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION ("DISPUTE CLAUSE" SECTION) REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.
  2. ALWAYS KNOW THE EXACT DOLLAR AMOUNT AVAILABLE ON THE CARD. MERCHANTS MAY NOT HAVE ACCESS TO DETERMINE THE CARD BALANCE.
  3. BY ACCEPTING, SIGNING, OR USING THIS CARD, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS CONTAINED IN THIS AGREEMENT.

This Cardholder Agreement ("Agreement") sets forth the terms and conditions under which the ECARD Prepaid debit card has been issued to you. By accepting, signing, or using this Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement, "Card" means the ECARD Prepaid debit card issued to you by Global Bank, 8 CATHERINE STREET, NEW YORK, NY 10038, Member of FDIC. "You" and "your" means the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. "We," "us," and "our" mean ECARD INC, our successors, affiliates or assignees. The Card will remain the property of Global Bank, and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference.

ABOUT YOUR CARD Your Card is a prepaid card, which means you must add funds to the Card Account in order to use it. You should treat your Card with the same care as you would treat cash. Your Card Account does not constitute a checking or savings account and is not connected in any way to any other account you may have. The Card is not a gift card, nor is it intended to be used for gifting purposes. The Card is not a credit card. You will not receive any interest on the funds in your Card Account. This Card is not designated for business use and we may close your Card if we determine that it is being used for business purposes. We may close your Card or refuse to process any transaction that we believe may violate the terms of this Agreement or represents illegal, gambling or fraudulent activity. You cannot sell your Card to anyone else. The card can only be used by you or someone you authorized. If you authorize anyone else to use your Card, you are responsible for all transactions made from your Card. The fund associated with your Card Account are insured by the Federal Deposit Insurance Corporation ("FDIC") for up to the maximum amount as published by the FDIC.

FEES All fees will be withdrawn from your Card Account and will be assessed as long as there is a reminding balance on your Card Account, except where prohibited by law. For Monthly Maintenance Fees, if your Card Account balance is less than the Monthly Maintenance Fee, we will apply the balance of your Card Account to the Monthly Maintenance Fee amount resulting in a zero balance on your Card Account and collect the remaining balance of the Monthly Maintenance Fee from the next load of funds to your Card Account. The Monthly Maintenance Fee will be assessed on the same day each month beginning 30 days following your Card activation. Any other fees incurred will be in addition to the Monthly Maintenance Fee. If your Card Account balance does not contain sufficient fund to cover the accumulated fees and your Card Account balance will eventually become zero. Your Card will be closed days if the zero/negative account balance is not cured within 120 days. Please refer to TABLE OF FEES, and LOADING METHODS AND LIMITS below.

OPENING A CARD AND IDENTIFY VERIFICATION Important information for opening a card: To help the federal government combating terrorism financing and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card.

What this means for you: When you open a Card, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other documents at any time. We may limit your ability to use your Card or certain Card features until we have been able to successfully verify your identity. Note: Similar procedure will be conducted for Secondary Cardholder onboarding.

Eligibility and Activation: To be eligible to use and activate this Card, you represent and warrant to us that: (i) you are at least 18 years of age; (ii) the personal information that you have provided to us is true, correct and complete; (iii) you have read this Agreement and agree to be bound by and comply with its terms. Secondary Cardholders and Authorized Users must be at least 13 years of age. To activate your card, call the number printed on the sticker of your card or visit the web-site provided in the open card disclosure package.

USING YOUR CARD

a. Loading Your Card

You may add funds to your Card Account, called "loading," at any time subject to the methods and limitations describe in the TABLE OF FEES, and LOADING METHODS AND LIMITS sections below. Your initial fund loading must be at least $100.00. If you arrange to have funds transferred directly to your Card Account from a third-party service provider through an ACH load, you must enroll with the third party by providing the Global Bank's routing number and direct deposit account number that we provide you. We will reject any loads that exceed the maximum loading amount allowed on your Card. You agree to present your Card and meet identification requirements to complete load transactions as may be required from time to time.

FEDERAL PAYMENTS: THE ONLY FEDERAL PAYMENTS THAT MAY BE LOADED TO YOUR CARD VIA AN AUTOMATED CLEARING HOUSE ("ACH") CREDIT ARE FEDERAL PAYMENTS FOR THE BENEFIT OF THE PRIMARY CARDHOLDER. IF YOU HAVE QUESTIONS ABOUT THIS REQUIREMENT, PLEASE CALL CUSTOMER SERVICE.

b. Accessing Funds and Limitations

Each time you use your Card, you authorize us to reduce the funds available in your Card Account by the amount of the transaction and applicable fees. Your Card cannot be redeemed for cash. You may not use your Card for any illegal transactions. You may use your Card to:

  1. withdraw cash from your Card Account via ATM,
  2. load funds to your Card Account,
  3. transfer funds between your Card Accounts whenever you request, and
  4. pay bills directly from your Card account in the amounts and on the days that you request.

You may use your Card to purchase or lease goods or services wherever your Card is honored as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals.
You are not authorized and cannot use the Global Bank's routing number and account number to make a debit transaction with a paper check, check-by-phone or other item processed as a check, or if you do not have sufficient funds in your account, these debits will be declined, and your payment will not be processed.

d. Personal Identification Number ("PIN")

You will receive a Personal Identification Number ("PIN") when you activate your card. You can reset your PIN through the automated phone service or website. You will need to enter your PIN when you use your Card at any Point-of-Sale device which accepts the PLUS NYCE/UnionPay network. You should not write or keep your PIN with your Card. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately, following the procedures in "Lost or Stolen Cards; Unauthorized Transfers" section below.

e. Obtaining Card Balance Information

You may obtain information about the amount of money you have remaining in your Card Account by calling Customer Service (third party fees may apply). Along with this information, a 60-day transaction history is also available. Please refer to web-site provided in the open card disclosure package.

g. Authorized Users and Secondary Cards

For each Card initially requested by you, you may request up to three additional Cards for persons who are 13 years of age or older (each, a "Secondary Cardholder"). You are the Primary Cardholder of your Card Account. If you permit someone as an Authorized User to use your Card or Card number or request a Card for a Secondary Cardholder, we will treat this as if you have authorized the Authorized User and Secondary Cardholder to use your Card and Card number, as applicable, and you will be liable for all transactions and fees incurred by such Authorized User and Secondary Cardholder, except as provided in this subsection and in "Lost or Stolen Cards; Unauthorized Transfers" section below.

You must notify us to revoke permission for any Authorized User or Secondary Cardholder you previously permitted them to use your Cards. Transactions will be considered unauthorized only after you notify us that the Authorized User or Secondary Cardholder are no longer authorized to use your Card or Card number or their Card, as applicable. If you tell us to revoke the authorization, we may cancel your Card, close your Card Account, and issue you a new Card with a different number. Secondary Cardholders cannot load funds to your Card Account.

h. Authorization Holds

You do not have the right to stop payment on any purchase transaction originated by use of your Card, except as otherwise provided herein. With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Card may be "preauthorized" for an amount greater than the transaction amount to cover gratuity or incidental expenses. Any preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. During this time, you will not have access to preauthorized amounts. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds.

i. Preauthorized Transfers

Preauthorized credits: If you have arranged to have direct deposits made to your Card account at least once every 60 days from the same person or company, you can contact Customer Service to find out whether the deposit has been made.

Right to stop payment and procedure for doing so: If you have told us in advance to make regular payments out of your Card account, you can stop any of these payments. Contact Customer Service in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Liability for failure to stop payment of preauthorized transfer: If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

j. Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with your Card, the return and refund will be handled by the merchant. If the merchant credits your Card, the credit may not be immediately available. While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction and the refund may not be available for a number of days after the date the refund transaction occurs.

k. Receipts

You may wish to retain receipts as a record of transactions. Receipts will be required if you need to verify a transaction.

l. Split Transactions and other uses

If you do not have enough funds available in your Card Account, you may be able to instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with another form of payment. These are called "split transactions." Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash.

If you use your Card number without presenting your Card (such as for an internet transaction, a mail order or a telephone purchase), the legal effect will be the same as if you used the Card itself.

YOU ARE NOT ALLOWED TO EXCEED THE AVAILABLE AMOUNT IN YOUR CARD ACCOUNT THROUGH AN INDIVIDUAL TRANSACTION OR A SERIES OF TRANSACTIONS

CARD REPLACEMENT AND EXPIRATION

If you need to replace your Card for any reason, please contact Customer Service (fees apply). Please note that your Card has an expiration date on the front of the Card. You may not use the Card after the expiration date on printed on the front of your Card. However, even if the "Valid Thru" date has passed, the available funds on your Card do not expire. You will not be charged a fee for replacement cards that we send due to expiration of the Card.

LOST OR STOLEN CARDS; UNAUTHORIZED TRANSACTIONS.

a. Contact Customer Service Immediately

If you believe your Card or PIN has been lost or stolen, contact Customer Service at once. You should also call or write to Customer Service if you believe a transfer has been made using the information from your Card or PIN without your permission.

b. Your Liability for Unauthorized Transfers

Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Calling Customer Service is the best way of keeping your possible losses down. You could lose all the money in your Card account. If you tell us within 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your electronic history shows transfers that you did not make, including those made by your Card or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your account (if the unauthorized transfer could be viewed in your electronic history), or the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable period.

c. In case of errors or questions about your Electronic Transfers

Contact Customer Service as soon as you can if you think an error has occurred in your Card account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by contacting Customer Service. You will need to tell us:

  1. Your name and Card number;
  2. A description of the error or the transaction you are unsure about;
  3. An explanation of why you believe it is an error or why you need more information; and
  4. The dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation. If you have any further questions regarding our error resolution procedures, please contact Customer Service.

d. Your Liability for Unauthorized Visa Prepaid Card Transactions

Under Visa's Zero Liability Policy, your liability for unauthorized transactions on your Card Account is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. These provisions limiting your liability do not apply to debit transactions not processed by Visa or foreign ATM withdrawals.

CONFIDENTIALITY

We may disclose information to third parties about your Card account or the transactions you make:

  1. Where it is necessary for completing transactions;
  2. In order to verify the existence and condition of your Card account for a third party, such as merchant;
  3. In order to comply with government agency or court orders, or other legal reporting requirements;
  4. If you give us your written permission; or
  5. To our employees, auditors, affiliates, service providers, or attorneys as needed.
OUR LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS

If we do not complete a transaction to or from your Card account on time or in the correct amount according to our Agreement with you, we will be liable for your losses and damages proximately caused by us. However, there are some exceptions. We will not be liable, for instance:

  1. If, through no fault of ours, you do not have enough funds available in your Card account to complete the transaction;
  2. If a merchant refuses to accept your Card;
  3. If an ATM where you are making a cash withdrawal does not have enough cash;
  4. If an electronic terminal where you are making a transaction does not operate properly and you knew about the problem when you initiated the transaction;
  5. If access to your Card has been blocked after you reported your Card or PIN lost or stolen;
  6. If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
  7. If we have reason to believe the requested transaction is unauthorized;
  8. If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken;
  9. Any other exception stated in our Agreement with you.
CHANGE OF ADDRESS

You are responsible for notifying us immediately upon any change to your address. If your address changes to a non-US address, we may cancel your Card and return funds to you in accordance with this Agreement.

NOTICE OF VARYING AMOUNTS

If a recurring preauthorized payment will vary in amount from the previous payment under the same authorization or from the preauthorized amount, the person you are going to pay should tell you, at least 10 days before such payment, when the payment will be made and how much it will be. You may choose instead to get this notice only when the payment differs by more than a certain amount from the previous payment or when the amount falls outside certain limits.

BUSINESS DAYS

For purposes of this Agreement, our business days are Monday through Friday, excluding federal holidays

OTHER TERMS

Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules of any association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. We do not waive our rights by delaying or failing to exercise them at any time (for example, assessing a fee less than described, or not all, for any reason does not waive our right to begin charging the fee as set forth in this Agreement without notice) If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the state of New York except to the extent governed by federal law. Should your Card have a remaining balance after a certain period of time, we may be required to remit the remaining funds to the appropriate state agency.

AMENDMENT AND CANCELLATION

You will be notified of any change in the manner required by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. You may close your Card at any time by contacting Customer Service. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. Should your Card account be closed, we will issue you a credit for any unpaid balances, subject to fees as disclosed in this Agreement.

UNCLAIMED PROPERTY

If your Card Account becomes inactive (e.g., if you do not use the funds in your Card Account or access your Card Account for a certain period of time), applicable law may require us to report funds in your Card Account as unclaimed property. If this occurs, we may try to locate you at the address shown in our records. If we are unable to locate you, we may be required to deliver any funds in your Card Account to the applicable state as unclaimed property. The specified period of time to report and send funds in an inactive Card Account to a state varies by state, but usually ranges between two and five years.

TELEPHONE MONITORING/RECORDING

We may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.

NO WARRANTY REGARDING GOODS AND SERVICES

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.

LIMITATION OF LIABILITY

Except as otherwise expressly provided in this Agreement or as otherwise required by applicable law, we, our affiliates, and the parties with whom we contract in order to offer your Card, your Card Account, and related services are neither responsible nor liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating in any way to your Card, your Card Account, any products or services purchased using your Card or your Card Account, or this Agreement (as well as any related or prior agreement that you may have had with us).

ENGLISH LANGUAGE CONTROLS

Translations of this Agreement that may have been provided are for your convenience only and may not accurately reflect the original English meaning. The meanings of terms, conditions, and representations herein are subject to definitions and interpretations in the English language.

DISPUTE CLAUSE

Acknowledgment of Arbitration. Your Card is being made available and priced by the Bank on the basis of your acceptance of the following arbitration clause. By accepting your Card, you acknowledge that you are giving up the right to litigate Claims if either party elects arbitration of the Claims pursuant to this clause, except as otherwise expressly provided herein, and you hereby knowingly and voluntarily waive the right to trial of all Claims subject to this Agreement. You further acknowledge that you have read this arbitration provision carefully, agree to its terms, and are entering into this Agreement voluntarily and not in reliance on any promises or representations whatsoever except those contained in this Agreement.

ARBITRATION NOTICE

THIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE. PLEASE READ THIS PROVISION CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS. IT PROVIDES THAT ANY CLAIM RELATING TO YOUR ACCOUNT MAY BE RESOLVED BY BINDING ARBITRATION. YOU ARE ENTITLED TO A FAIR HEARING, BUT THE ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT, AND ARBITRATION DECISIONS ARE SUBJECT TO VERY LIMITED REVIEW.

CLAIMS MAY BE ARBITRATED ONLY ON AN INDIVIDUAL BASIS. YOU EXPRESSLY WAIVE ANY RIGHT THAT YOU MAY HAVE TO ARBITRATE A CLASS ACTION. IF EITHER PARTY CHOOSES TO ARBITRATE A CLAIM, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM, OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIM.

Arbitration of Claims. Except as expressly provided herein, any claim, dispute or controversy (whether based upon contract; tort, intentional or otherwise; constitution; statute; common law; or equity and whether pre-existing, present or future), including initial claims, counter-claims, cross-claims and third-party claims, arising from or relating to (i) the Card; (ii) any service relating to the Card; (iii) the marketing of the Card; (iv) this Agreement, including the validity, enforceability, interpretation, scope, or application of the Agreement and this arbitration provision (except for the prohibition on class or other non-individual claims, which shall be for a court to decide); and (v) any other agreement or instrument relating to the Card or any such service ("Claim") shall be decided, upon the election of you or the Bank (or ECARD INC or the Bank's agents, employees, successors, representatives, affiliated companies, or assigns), by binding arbitration pursuant to this arbitration provision and the applicable rules and procedures of the arbitration administrator in effect at the time the Claim is filed. The American Arbitration Association ("AAA") shall serve as the arbitration administrator. You may obtain copies of the current rules, forms, and instructions for initiating an arbitration with the AAA by contacting the AAA as follows: on the web at www.adr.org or by writing to AAA at 1633 Broadway, 10th Floor, New York, NY 10019.

Other Claims Subject to Arbitration. In addition to Claims brought by either you or the Bank, Claims made by or against ECARD INC or by or against anyone connected with you or the Bank or claiming through you or the Bank (including a second cardholder, employee, agent, representative, affiliated company, predecessor or successor, heir, assignee, or trustee in bankruptcy) shall be subject to arbitration as described herein.

Exceptions. You and we agree not to invoke our right to arbitrate any individual Claim you bring in small claims court or an equivalent court so long as the Claim is pending only in that court. This arbitration provision also does not limit or constrain the Bank's right to interplead funds in the event of claims to Card funds by several parties.

Individual Claims Only. It is the intent of the parties to require Claims to be submitted to arbitration on an individual basis only. Claims subject to this arbitration provision may not be joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis, in a representative capacity on behalf of the general public or on behalf of any other person, unless otherwise agreed to by the parties in writing. However, co-applicants, second cardholders and authorized users of a single Card and/or related cards are considered as one person, and the Bank, its officers, directors, employees, agents, and affiliates are considered as one person.

Arbitration Fees. If you initiate arbitration, the Bank will advance any arbitration fees, including any required deposit. If the Bank initiates or elects arbitration, the Bank will pay the entire amount of the arbitration fees, including any required deposit. Notwithstanding any provision of this arbitration provision or the rules and procedures of the arbitration administrator, the Bank will be responsible for payment and/or reimbursement of any arbitration fees to the extent that such fees exceed the amount of the filing fees you would have incurred if your Claim had been brought in the state or federal court nearest your residence with jurisdiction over the Claims.

Procedure. A single arbitrator will resolve the Claims. The arbitrator will be a lawyer with at least ten years experience or who is a former or retired judge. The arbitration shall follow the rules and procedures of the arbitration administrator in effect on the date the arbitration is filed, except when there is a conflict or inconsistency between the rules and procedures of the arbitration administrator and this arbitration provision, in which case this arbitration provision shall govern. Any in-person arbitration hearing for a Claim shall take place within the federal judicial district in which you live or at such other reasonably convenient location as agreed by the parties. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act, 9 U.S.C. § 1 et seq. (the "FAA") and shall honor all claims of privilege and confidentiality recognized at law. All statutes of limitations that would otherwise be applicable shall apply to any arbitration proceeding. The arbitrator shall be empowered to grant whatever relief would be available in court under law or in equity. At the request of any party, the arbitrator will provide a written explanation of the basis for the disposition of each claim, including written findings of fact and conclusions of law. This arbitration provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the FAA.

Cardholder Agreement is effective 2/12/2018

TABLE OF FEES

FEE TYPE FEE AMOUNT FEE DESCRIPTION
Card
Card issue fee $0.00 There is no card issue fee.
Card activation fee $0.00 There is no card activation fee.
Monthly service fee $5.00 Fee will be waived if $200/month purchases are made in *ECARD Network.
Subaccount fee $0.00 There is no charge for subaccount.
Send and receive money within ECARD network $0.00 There is no charge for sending and receiving funds with *ECARD network.
ATM Withdrawal
ATM withdrawal (domestic) in-network $0.00 There is no charge for NYCE ATM withdrawal.
ATM withdrawal (domestic) Out-of-network $2.00 This fee is charged by ATM operation.
ATM withdrawal (international) in-network See description There is a fee charged by ATM operation.
ATM withdrawal (international) Out-of-network Surcharge There is a Surcharge charged by ATM operation.
ATM withdrawal decline fee $0.00 There is no charge for ATM withdrawal decline.
Customer Service Hotline See description There is no charge for Customer Service. Third party fees may apply.
Payment
Bill payment fee $0.50 There is $0.50 charge per bill pay transaction.
ACH decline fee $15.00 There is a $15.00 charge per ACH decline transaction.
Check stop fee $15.00 There is a $15.00 charge per Check stop transaction.
Purchase
Signature POS transaction fee $0.00 There is no charge for Signature purchase transaction.
Foreign Transaction Fee 1.3% of the transaction amount There is a charge for using your Card to perform a transaction (e.g. to obtain funds or make a purchase) in a currency other than U.S. Dollars or conduct a transaction with a merchant located outside the United States or U.S. territories (a "Foreign Transaction"). If a Foreign Transaction results in a credit to your Card Account due to a refund or return, we will not refund the Foreign Transaction Fee charged for the Foreign Transaction.
Currency Conversion Rate See description If you make a Foreign Transaction, the amount deducted from your funds will be converted by the network or card association which processes the transaction. Visa U.S.A. Inc/UnionPay currently use a conversion rate that is either: (i) select 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.
Others
Check request fee $2.00 There is $2.00 fee for each check request.
Close account fee See description There is no charge to close an account. However, if issuing check is required, there will be a charge of $5.00 per check issued.
Card lost and replacement fee $5.00 One free card per calendar year.
Statement (six month) Web-site inquiry

Through Email Hard copy mailing Service charge
$0.00

$0.30
$2.00
$2.00
There is no charge for transaction history through wed-site.
There is $0.30 fee charged by third-party for emailing.
There is $2.00 fee charged by third-party for mailing.
There is $2.00 fee for the service.
Load Fund
Reload using direct deposit of payroll or government benefits $0.00 There is no charge for Direct Deposit.
Reload using checking or saving account transfer $0.00 There is no charge to transfer funds (not exceeding the limits) in Card Account via ACH.
Reload using mobile check capture See description The fund will be available no later than ten business days after capturing the image. For expedited service, there is a charge of 5% of the check amount or a minimum charge of $5 whichever comes higher.
Loading cash with third-party merchant service fee $5.00
$10.00
$12.00
Under $1,000.00
$1,000.00 to $2,000.00
$2,001.00 to $2,500.00
Questions? Please call 1-866-ECARD-88
or visit www.ecardinc.com

LOADING METHODS AND LIMITS

Card Limit Description
Maximum number of Primary Card(s) 2 One Primary UnionPay prepaid debit card will be provided. One Primary VISA pre-card debit card can be requested.
Maximum number of Secondary Card(s) per network 3 Up to three (3) Secondary UnionPay prepaid debit cards, and three (3) Secondary VISA prepaid debit cards.
Total number of Cards under a Primary Cardholder per network 4 One Primary Cards and three Secondary Cards per network.
Only Primary Cardholder can load funds in Primary Card See description Only Primary Cardholder can load funds in Primary Card. Funds can be moved to Secondary Cards and vice versa.
Transfer Funds among Primary and Secondary cards 10 times/day Maximum number of times Card-to-Card transfers between Primary and Secondary Cards per day.
Maximum Value Cards Can Hold $10,000.00 The maximum aggregated value that all the Cards under one Primary Cardholder is $10,000.00 in any thirty (30) day period.
Maximum Annual Load Limit $72,000.00 Primary Cardholder can load no more than $72,000.00 in any twelve (12) month period with all loading methods combined.
Maximum Monthly Load Limit $6,000.00 Primary Cardholder can load no more than $6,000.00 in any thirty (30) day period with all loading methods combined, including Direct Deposit.
Maximum Monthly Direct Deposit Limit $4,000.00 Primary Cardholder can direct deposit no more than $4,000.00 in any thirty (30) day period.
Maximum Daily Load Limit $2,500.00 per day Primary Cardholder can load no more than $2,500.00 in any twenty (24) hour period with all loading methods combined.
Loading method Limit Description of the transaction limit
Green Dot retail stores $500.00 per day Primary Cardholder can load no more than $500.00 cash in Card in any twenty-four (24) hour period and no more than $6,0000.00 in any thirty (30) day period will all loading methods combined.
Partner Agent $2,500.00 per day Primary Cardholder can load no more than $2,500.00 cash in the Card in any twenty-four (24) hour period and no more than $6,000.00 in any thirty (30) day period with all loading methods combined.
Bank account transfer $2,500.00 per day Primary Cardholder bank account transfer to Card limit is $2,500.00 in any twenty-four (24) hour period, and no more than $6,000.00 in any thirty (30) day period with all loading methods combined.
Note:

- from U.S. bank account is $2,500.00/day
- from Overseas foreign bank account is $800.00/day

Note: No more than $30,000.00 can be loaded from overseas foreign bank to Card in any twelve (12) month period.

Mobile App to load fund in Card $300.00 per day Primary Cardholder can use Mobile App to transfer fund from his/her account to Card no more than $300.00 in any twenty-four (24) hour period and no more than $6,000.00 in any thirty (30) day period with all loading methods combined.
Mobile check capture to load Card $2,500.00 per day Primary Cardholder can use Mobile Check Capture to deposit check (no third party or overseas foreign bank check) with amount no more than $2,500.00 in any twenty-four (24) hour period and no more than $6,000.00 in any thirty (30) day period with all loading methods combined.
Direct Deposit from employer or government agents. $4,000 per month Primary Cardholder can receive Direct Deposit no more than $4,000.00 and no more than 6,000.00 in any thirty (30) day period with all loading methods combined.
ACH refund (domestic and international merchants) $500.00 ACH refund will be credited to Primary Cardholder account.
Charge Back (domestic and international) $3,000.00 Charge Back will be credited to Primary Cardholder account.
Cash Back (domestic only) $500.00 Cash Back will be credited to Primary Cardholder account

DEBIT TRANSACTIONS AND LIMITS

Spending Limit Description
Monthly maximum spending limit $6,000.00 The maximum monthly spending amount is $6,000.00 in any combination from an ATM, POS device and/or over-the-counter withdrawal to pay bills.
Daily maximum spending limit $3,000.00 The maximum daily spending amount is $3,000.00 in any combination from an ATM, POS device and/or over-the-counter withdrawal to pay bills.
ATM withdrawal Limit Description of the transaction
Times of ATM or over the counter cash withdrawals See description Use ATM or over the counter cash withdrawals when necessary.
Daily maximum ATM withdrawal $800.00 The maximum withdrawal amount is $800.00 per twenty-four (24) hour period.
Note: ATM withdrawal limit may vary from bank to bank.
Monthly Domestic ATM Withdrawal $2,500.00 The maximum domestic ATM withdrawal amount is $2,500.00 per thirty (30) day period.
Monthly International ATM Withdrawal $2,000.00 The maximum domestic ATM withdrawal amount is $2,000.00 per thirty (30) day period.
Point-Of-Sale Limit Description of the transaction
Maximum amount in Signature Point-Of-Sale transaction $3,000.00 See description The maximum aggregated POS amount is $3,000.00 in any twenty-four (24) hour period, and no more than $6,000.00 in any thirty (30) day period with all the debit transactions combined.
Pay bill Limit Description of the transaction
Maximum amount of Pay Bill $3,000 The maximum aggregated Pay Bill amount is $3,000.00 in any twenty-four (24) hour period, and no more than $6,000.00 in any thirty (30) day period with all the spending transactions combined.