EMG Prepaid MasterCard®

Schedule A – Cardholder Fees and Transaction Limits

 

Description

Amount

When You Are Charged

How to Minimize or Avoid the Fee

Fees for Recurring Services

 

Monthly Fee

No Monthly Fee with $500 or more in direct deposit(s); otherwise $4.95 (see details to right)

 

On the last day of your first statement cycle after card activation and the last day of each statement cycle thereafter.

Enroll in direct deposit with your employer or government benefits provider and make sure your direct deposits each statement cycle total $500 or more.

Fees for Spending Money

 

PIN Purchase

$0.50

Each time you make a point-of-sale purchase by selecting “debit” and entering your Personal Identification Number (“PIN”).

You can make a signature purchase at no charge by selecting “credit” at checkout and signing for your purchase (if requested to do so by the merchant).

Fees for Getting Cash in U.S.

 

ATM Cash Withdrawal

$1.50

Each time you withdraw cash from an ATM that does NOT display the MoneyPass® logo. You may also be charged a fee/surcharge by the ATM operator or any network used to complete the transaction.

Request cash back at point-of-sale using your PIN (PIN Purchase Fee applies). Also, make payments using your Card rather than cash when possible.

Bank Teller Cash Withdrawal

$4.95

Each time you request a cash withdrawal from a bank teller.

Request cash back at point-of-sale using your PIN (PIN Purchase Fee applies). Also, make payments using your Card rather than cash when possible.

ACH Debit

$1.00

Each time we receive and ACH debit to be posted to your Card.

Make payments using your 16-digit Card number rather than the Bank’s routing number and your 13-digit account number.

Fees for Adding Money

 

Cash Load Through GreenDot Using the GreenDot MoneyPak® or at Western Union Reload Locations

Varies by location;

approximately $4.95 per load

Third party reload networks (e.g. GreenDot and Western Union) may assess a fee for each load. Visit www.greendot.com or www.westernunion.com to find a list of reload network locations and fees.

Direct deposit your paycheck or government benefits to your Card at no charge. Obtain your direct deposit form online or by calling us.

Fees for Customer Service, Getting Card Information and Card Maintenance

 

ATM Balance Inquiry

$1.00

This fee is charged each time you request your Card balance using an ATM regardless of whether you also conduct cash withdrawal.

Check your balance by logging into your account online.

Mailed Statement (if more frequent than 2 per 6 months)

$1.95

Each time you request this service if requested more than 2 times every 6 months.

You can view and print your account transaction history online at no charge.

Secondary/Replacement Card

$6.00

Each time you request this service if the replacement/secondary Card is requested prior to Card expiration date.

Take good care of your Card and always keep it in your possession. You will not be assessed this fee if your Card was stolen.

Account to Account Transfer – Live Agent

$2.95

Each time Customer Service assists you in receiving a transfer of funds to your Card from another Card in our system.

Direct deposit your paycheck or government benefits to your Card at no charge. Obtain your direct deposit form online or by calling us.

Fees for Declined Transactions and Transactions that Result in a Negative Card Balance

 

Purchase Decline (Signature or PIN)

$0.50

Each time a point-of-sale or online purchase is declined for insufficient funds.

Keep track of your balance and only attempt transactions in amounts less than the available balance on the Card.

 

You can conveniently track your balance at no charge by visiting us online, by calling us, or enrolling in SMS balance alerts.

ATM Decline

$1.50

Each time an ATM cash withdrawal request is declined for insufficient funds.

ACH Decline

$14.95

Each time an ACH debit transaction is declined as unauthorized or insufficient funds.

 

OTHER FEES

 

Fees for Spending Money Outside the U.S.

 

International Signature Purchase

$1.00

Each time you select “credit” and sign for a purchase outside the U.S.

 

International PIN Purchase

$1.00

Each time you make a purchase outside the U.S. by selecting “debit” and entering your PIN.

 

International ATM Cash Withdrawal

$4.95

Each time you use an ATM outside the U.S. to withdraw cash. You may also 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).

 

International Conversion Rate

2% of transaction amount

 

Each time a transaction is made outside the U.S.

 

 

Transaction Limits

Purchase Limits

$2,000/DAY

Cash Withdrawal Limits

$1,000/DAY

Load Limit

$10,000/DAY

Maximum Card Balance

$10,000

Card to Card Transfer Limit

$5,000/DAY

 

 

This Card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from MasterCard International, Inc. “Metropolitan Commercial Bank” and “Metropolitan” are registered trademarks of Metropolitan Commercial Bank. © 2014.