Program Terms and Fee Schedule
This is the fine print - the terms, limits, and fees associated with BCard
Fee Schedule
As a community card made by a community, BCard aims to charge as few fees as possible and be as transparent as possible with the fees that we do charge.
The following fees are charged by our current card-issuing processor (BCard doesn't make any money from these fees):
Monthly Inactivity Fee ($4.95) - After 12 months of no activity, this fee will be deducted from your card balance every month.
Point of Sale PIN Transaction ($0.50) - Every PIN transaction you make (domestic/international) will deduct this fee from your card balance.
You can avoid the PIN Transaction fee by selecting "credit" as your payment type.
Card Replacement ($5.95) - You will be charged this fee to replace a lost or stolen physical card. Your new card will be delivered by standard mail (5-10 business days).
Card Replacement - Express ($25.00) - You will be charged this fee if you wish for your physical card to be shipped by FedEx.
Paper Statement ($5.00) - You will be charged this fee if you wish for a paper statement to be mailed to you.
Monthly Maintenance (free) - You will not be charged a monthly fee to use BCard
Point of Sale Signature Transaction (free) - You will not be charged for "credit" transactions which require a signature.
Customer Service (free) - You will not be charged to call card services or seek help online.
Program Limits
| Transaction Description | Amount |
|---|---|
Card Balance Maximum | $5000.00 |
Max ACH Load | $5000.00 |
ACH Debit Max Daily | $2,500.00 |
Minimum Purchase Amount | $0.01 |
PIN POS Daily | $2,500.00 |
Signature POS Daily | $2,500.00 |
Max Number of POS Transactions Daily | 20 |
Max Number of ACH Loads Daily | 5 |
Other Program Terms
Your funds are eligible for FDIC insurance. Your funds will be held at SouthState Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event SouthState 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 feature.
Contact Customer Service by calling 1-800-416-6373, by mail at TransCard Customer Service, P.O. Box 1069, Chattanooga, TN 37401, or visit support.getbcard.io.
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 1-855-411-2372 or visit cfpb.gov/complaint.
Last updated