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Schedule of fees and charges

Time-based
True Link Prepaid Visa Card
Next Step True Link Prepaid Visa Card
Fees for set-up and maintenance
Fee type
Fee amount
How to avoid or reduce this fee
Monthly fee
$10.00
Fees for adding money (per transaction)
Fee type
Fee amount
How to avoid or reduce this fee
Direct deposit
No fee
Funding from a bank account
No fee
Fees for spending money (per transaction)
Fee type
Fee amount
How to avoid or reduce this fee
Signature and PIN purchases – domestic
No fee
International signature purchase
$1.00
International PIN purchase
$2.00
Use a signature instead of PIN to pay
Fees for getting cash (per transaction)
Fee type
Fee amount
How to avoid or reduce this fee
ATM cash withdrawal - In Network
ATM cash withdrawal - Out of Network*
No fee
$1.50
Cash back at point-of-sale (select “Debit” and enter your PIN to get cash back when making purchase at a retailer)
No fee
Bank teller withdrawal (over-the-counter cash withdrawal using signature)
$4.00
Use an ATM or get cash at a point-of-sale terminal
Quasi-cash withdrawals (e.g., money orders, traveler’s checks, foreign currency, lottery tickets, casino chips, vouchers redeemable for cash)
$4.00
Use an ATM or get cash at a point-of-sale terminal
ATM insufficient funds**
No fee
Fees for customer service, getting information, and card maintenance (per request)
Fee type
Fee amount
How to avoid or reduce this fee
Automated and live agent phone calls
No fee
Email and text message alerts; standard text messaging rates apply
No fee
ATM balance inquiry**
$0.50
Check your balance online or by phone for no fee
Mailed paper statement
$1.50
View your statement online for no fee
Expedited card delivery (2 day delivery)
$30.00
Choose regular delivery speed for no fee
Fees for transferring money out when closing your account
Fee type
Fee amount
How to avoid or reduce this fee
Account closure with card-to-bank transfer*
No fee
Replacement card
$5.00
Account closure with check refund
No fee
Fees for set-up and maintenance
Fee type
Fee amount
How to avoid or reduce this fee
Monthly fee
$10.00
Card purchase
$5.00
Fees for adding money (per transaction)
Fee type
Fee amount
How to avoid or reduce this fee
Direct deposit
No fee
Funding from a bank account
No fee
Fees for spending money (per transaction)
Fee type
Fee amount
How to avoid or reduce this fee
Point-of-sale purchase decline
$0.50
Check your balance and settings online or via phone
Fees for getting cash (per transaction)
Fee type
Fee amount
How to avoid or reduce this fee
ATM cash withdrawal**
$1.00
Get cash at a point-of-sale terminal
ATM cash withdrawal International**
$1.50
Get cash at a point-of-sale terminal
Cash back at point-of-sale (select “Debit” and enter your PIN to get cash back when making purchase at a retailer)
No fee
Bank teller withdrawal (over-the-counter cash withdrawal using signature)
$4.00
Use an ATM or get cash at a point-of-sale terminal
Quasi-cash withdrawals (e.g., money orders, traveler’s checks, foreign currency, lottery tickets, casino chips, vouchers redeemable for cash)
$4.00
Use an ATM or get cash at a point-of-sale terminal
ATM insufficient funds**
No fee
Fees for customer service, getting information, and card maintenance (per request)
Fee type
Fee amount
How to avoid or reduce this fee
Automated and live agent phone calls
No fee
Email and text message alerts; standard text messaging rates apply
No fee
ATM balance inquiry**
$0.50
Check your balance online or by phone for no fee
ATM balance inquiry International**
$1.00
Check your balance online or by phone for no fee
Mailed paper statement
$5.00
View your statement online for no fee
Expedited card delivery (2 day delivery)
$30.00
Choose regular delivery speed for no fee
Fees for transferring money out when closing your account
Fee type
Fee amount
How to avoid or reduce this fee
Account closure with card-to-bank transfer*
No fee
Replacement card
$5.00
Account closure with check refund
No fee

* Bank where you maintain your bank account may impose a transfer fee.

** You may be charged a fee by the ATM operator or other networks used to complete the transaction (and you may be charged a fee for a balance inquiry at an ATM even if you do not complete a fund transfer). Such other fees and charges may be deducted from your card account.

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