E1 Visa® Prepaid Card Account

A Great Way to Bank

FEES

 

Take advantage of our low fees when you upgrade your instant issue E1 Card with a personalized E1 Card. Just load cash1 or set up a Direct Deposit to your instant issue E1 Card and we will automatically ship you a personalized card! Your E1 Card is a great alternative to checking accounts, credit cards and cash. Enroll in Direct Deposit today so you can keep more of your money by avoiding costly check cashing fees.

TIP: Setup direct deposit or load cash1 to the card and you will be mailed a personalized card for no cost and have access to this reduced fee schedule as well as the MoneyPass® surcharge-free ATM network.3

Fees

Instant Issue Card

Personalized Card

Monthly Fee

No fee first thirty (30) days after Card Activation;

$ 4.95 per month thereafter

 $ 2.95 per month;

waived any month with a

load of $500 of more

ATM Withdrawal (In-Network)

$ 2.50 per transaction

NO COST

1.50% of the withdrawal amount; per transaction

Foreign transaction fee may also apply.

$ 1.95 per transaction

Bank Teller Cash Withdrawal (U.S. or International)

1.50% of the withdrawal amount; per transaction.

Foreign transaction fee may also apply.

ATM Withdrawal (Out-of-Network)

$ 2.50 per transaction

Foreign Transaction Fee1

3% of the U.S. dollar amount of each transaction

Foreign transaction fee may also apply.

3% of the U.S. dollar amount of each transaction

Foreign transaction fee may also apply.

International ATM Withdrawal

$ 2.50 per transaction

Foreign transaction fee may also apply.

$ 1.95 per transaction

Foreign transaction fee may also apply.

PIN Debit Transactions

$ 0.75 per transaction

NO COST

Card Replacement (7-10 days for delivery)

$ 9.95 per card

$ 9.95 per card

 

Express Shipping (in addition to Card Replacement Fee)

$ 9.95 per request

$ 9.95 per request

 

Check Refund Fee (charged when you initiate a closure of your account when there are still funds remaining)

$ 9.95 per request

$ 9.95 per request

 

Delayed Funding - Mobile Check Load via Ingo™,5,1

 

$ 0 per transaction

$ 0 per transaction

Expedited Funding - Mobile Check Load via Ingo5,1

(You will be charged 4% of the check amount with a $5 minimum.)

4% of the check amount

4% of the check amount

Visa ReadyLink Cash Load1,7,8

 

$ 3.95 per transaction

$ 3.95 per transaction

Western Union Cash Load1,7,8

 

$ 3.95 per transaction

$ 3.95 per transaction

Green Dot Cash Load1,7,8

 

$ 4.95 per transaction

$ 4.95 per transaction

MoneyGram Cash Load1,7,8

 

$ 3.95 per transaction

$ 3.95 per transaction

MetaWallet Mobile Banking App2

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Text2 or Email Alerts

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Reloadable

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Reduced Fee Schedule

 

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No-cost ATM Withdrawals (In-Network)

 

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MoneyPass Surcharge-Free ATM Network3

 

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8We do not charge you this fee. This fee is charged by an unaffiliated third party and may be subject to change without notice.

 

ATM Fees:  When you use an ATM, you may be charged a fee by the ATM owner or operator or any network used to complete the transaction.  Please note that you may be charged a fee by an ATM owner or operator for a balance inquiry performed at an ATM even if you do not complete a cash withdrawal.  Read the ATM screen message carefully for information related to fees before you complete a transaction at an ATM. To avoid ATM fees, you may request cash back when making purchases at many retailers, such as grocery stores, by selecting “DEBIT” and entering your PIN.

 

Fee structure effective 12/1/2017. Pricing, program, and features subject to change.

 

E1 Visa Prepaid Card is issued by MetaBank®, Member FDIC, or First Century Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted.  IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

 

1Available if a tax refund will be and/or has been deposited to the card account.

 

2Standard data and messaging rates may apply.

 

3Although this service is offered for no cost, third party fees may apply.

 

4Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks versus deposits made electronically and the additional methods available to access funds via a Card as opposed to a paper check.

 

5Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & Conditions and Privacy Policy. Approval review usually takes 3-5 minutes, but may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Unapproved checks will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding or if you otherwise act illegally or fraudulently. Fees may apply for loading or use of your card. See your Cardholder Agreement for details.