|Card purchase fee||$3.95|
|Monthly fee||$5.99||Monthly fee is waived in any month in which you receive a direct deposit or conduct at least 30 transactions.|
|Cash reload||$3.99||Fees of up to $3.99 may apply when reloading your card at XYZ reload agents. Locations may be found at xyzbank.com/prepaid/reloads.|
|Bill payment (regular delivery)||$0.50||Bill pay available when you log in to your account at xyzbank.com/prepaid or using the XYZ Bank mobile app. Regular bill pay transactions will be completed within 3 business days for electronic payments and within approximately 7 days if we have to mail a paper check to pay your bill.|
|Bill payment (expedited delivery)||$1.00||Bill pay available when you log in to your account at xyzbank.com/prepaid or using the XYZ Bank mobile app. Expedited bill pay transactions will be completed within 1 business day. Electronic payments only.|
|ATM withdrawal (in-network)||$0||“In-network” refers to the XYZ Bank ATM Network. Locations can be found at xyzbank.com/ATMs.|
|ATM withdrawal (out-of-network)||$1.99||This is our fee. We will not charge you this fee for your first 3 out-of-network ATM withdrawals each month. “Out-of-network” refers to all the ATMs outside of the XYZ Bank ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.|
|Customer service (automated)||$0||No fee for calling our automated customer service line, including for balance inquiries.|
|Customer service (live agent)||$0.50||Per call. First 3 calls per month are free.|
|ATM balance inquiry (in-network)||$0||“In-network” refers to the XYZ Bank ATM Network. Locations can be found at xyzbank.com/ATMs.|
|ATM balance inquiry (out-of-network)||$0.50||This is our fee. “Out-of-network” refers to all the ATMs outside of the XYZ Bank ATM Network. You may also be charged a fee by the ATM operator.|
|International transaction||3%||Of the U.S. dollar amount of each transaction.|
|International ATM withdrawal||$3.00||This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.|
|International ATM balance inquiry||$2.00||This is our fee. You may also be charged a fee by the ATM operator.|
|Inactivity||$1.00||You will be charged $1.00 each month after you have not completed a transaction using your card for 12 months.|
Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to XYZ Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event XYZ 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 XYZ Prepaid Company by calling 1-800-555-5555, by mail at 555 Street Name, Anytown, NY, or visit xyzprepaid.com/prepaid.
For general information about prepaid accounts, visit
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.