# Program Terms and Fee Schedule

## User-Friendly Term & Conditions

See below for the full [terms & conditions](#terms-and-conditions-from-our-banking-partner) from our partner bank and card-issuer.

### Fee Schedule

As a community card made by a non-profit 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):

* **Card purchase** (free) - You will not be charged to sign up with BCard
* **Monthly fee** (free) - You will not be charged a monthly fee to use BCard
* **Direct Deposit** (free) - You will not be charged to load BCard electronically
  * **Cash reload** (n/a) - You cannot reload BCard with physical cash
* **Point of Sale Signature Transaction** (free) - You will not be charged for “credit” transactions which require a signature.
* **Point of Sale PIN Transaction** ($0.50) - Every PIN transaction you make (domestic/international) will deduct this fee from your card balance.

{% hint style="info" %}
You can avoid the PIN Transaction fee by selecting "credit" as your payment type.
{% endhint %}

* **ATM withdrawal** (n/a) - ATM withdrawal is not available
  * this applies to in-network, out-of-network, and international ATMs
* **Automated Customer Service** (free) - You will not be charged to call our automated customer service line, including for balance inquiries.
* **Live Agent Customer Service** (free) - You will not be charged to call and speak to a live agent
* **Paper Statement** ($5.00) - You will be charged this fee if you wish for a paper statement to be mailed to you.
* **International Transaction** (3%) - You will be charged 3% of the US dollar amount of each transaction.
* **Inactivity Fee** ($4.95) - After 12 months of no activity, this fee will be deducted from your card balance every month until a purchase is made or the account balance is depleted.
* **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.  This fee will be charged, along with the Card Replacement Card Fee.

### 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         |

## Terms and Conditions from Our Banking Partner

The following terms and conditions come straight from our banking provider ([SouthState Bank](https://www.southstatebank.com/)) and card-issuing partner ([Transcard](https://www.transcard.com/)).

### List of all fees for BCard Prepaid Card

<table><thead><tr><th width="212.0234375">All fees</th><th width="90.21484375">Amount</th><th>Details</th></tr></thead><tbody><tr><td>Get started</td><td></td><td></td></tr><tr><td>Card purchase</td><td>$0.00</td><td></td></tr><tr><td>Monthly usage</td><td></td><td></td></tr><tr><td>Monthly fee</td><td>$0.00</td><td></td></tr><tr><td>Add money</td><td></td><td></td></tr><tr><td>Direct despoit</td><td>$0.00</td><td></td></tr><tr><td>Cash reload</td><td>N/A</td><td>Cash loading is not available</td></tr><tr><td>Spend money</td><td></td><td></td></tr><tr><td>Point of Sale PIN Transaction</td><td>$0.50</td><td>Every PIN transaction you make (domestic/international) will deduct this fee from your card balance.</td></tr><tr><td>Point of Sale Signature Transaction</td><td>$0</td><td>You will not be charged for “credit” transactions which require a signature.</td></tr><tr><td>Get cash</td><td></td><td></td></tr><tr><td>ATM widthdrawal (in-network)</td><td>N/A</td><td>ATM is not available</td></tr><tr><td>ATM withdrawal (out-of-network)</td><td>N/A</td><td>ATM is not available</td></tr><tr><td>Information</td><td></td><td></td></tr><tr><td>Customer service (automated)</td><td>$0</td><td>No fee for calling our automated customer service line, including for balance inquiries.</td></tr><tr><td>Customer service (live agent)</td><td>$0</td><td>No fee for calling and speaking to a live agent</td></tr><tr><td>Paper Statement</td><td>$5.00</td><td>You will be charged this fee if you wish for a paper statement to be mailed to you.</td></tr><tr><td>Using your card outside the U.S.</td><td></td><td></td></tr><tr><td>International transaction</td><td>3%</td><td>Of the U.S. dollar amount of each transaction.</td></tr><tr><td>International ATM withdrawal</td><td>N/A</td><td>ATM is not available</td></tr><tr><td>International ATM balance inquiry</td><td>N/A</td><td>ATM is not available</td></tr><tr><td>Other</td><td></td><td></td></tr><tr><td>Inactivity</td><td>$4.95</td><td><p>You will be charged $4.95 each month after you have not completed a transaction using your</p><p>card for 12 months.</p></td></tr><tr><td>Card Replacement</td><td>$5.95</td><td><p>You will be charged this fee to replace a lost or stolen physical card. Your new card will be</p><p>delivered by standard mail (5-10 business days)</p></td></tr><tr><td>Card Replacement Expressed Mail</td><td>$25.00</td><td>You will be charged this fee if you wish for your replacement card to be shipped by FedEx. This fee will be charged, along with the Card Replacement Card Fee.</td></tr></tbody></table>

Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to [SouthState Bank](https://www.southstatebank.com/), 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*](https://www.fdic.gov/deposit/deposits/prepaid.html) for details.

No overdraft/credit feature.

Contact Customer Service by calling 1-800-416-6373, by mail at P.O. Box 1069, Chattanooga, TN 37401, or visit [support.getbcard.io](https://support.getbcard.io/).

For general information about prepaid accounts, visit [cfpb.gov/prepaid](https://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](https://cfpb.gov/complaint).

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