SPEND CARD FEES (USD)
| Monthly Fee | Per Purchase | ATM withdrawal | Cash Reload | |||
| $0 | $0 | $0 in-network
$0 out-of-network |
$0 | |||
| ATM balance inquiry (in-network or out-of-network) | $0 or $0 | |||||
| Customer service (automated or live agent) | $0 or $0 per call | |||||
| Inactivity (after 12 months with no transactions) | $0 per month | |||||
| We charge two other types of fee. Here are some of them: | ||||||
| Expedited Bill Pay | $10 | |||||
| Expedited Replacement Card | $20 | |||||
| No overdraft feature. | ||||||
| Register your card for FDIC insurance eligibility and other protections. | ||||||
| For general information about prepaid accounts, visit cfpb.gov/prepaid. | ||||||
| Find details and conditions for all fees and services inside the package, or call 800-730-3194 or visit www.spend.com. | ||||||
The Spend Visa Prepaid Card is issued by Sutton Bank, member FDIC, pursuant to a license from Visa U.S.A. Inc.
Below is a list of all fees for the Spend Visa Prepaid Card(“Card Account”). All fees assessed by us are deducted from the available balance in your Card Account. If your Card Account does not have sufficient funds available to cover a fee, the amount of such fee will be deducted from any funds subsequently loaded to your Card Account. The fees that apply to your Card Account are as follows:
FEE SCHEDULE
| All Fees | Amount | Details |
| Get Started | ||
| Card Purchase | $0.00 | Fee charged for purchase of the Spend Visa Prepaid Card. |
| Secondary Card Purchase Fee | $0.00 | Fee charged for purchase of secondary Spend Visa Prepaid Card. |
| Monthly Usage | ||
| Monthly Fee | $0.00 | Monthly fee occurs 30 days after activation |
| Add Money | ||
| Direct Deposit | $0.00 | Direct Deposit Fee from Employers & Others |
| Bank Loads | $0.00 | Loading Funds from your Bank account to your Spend Visa Prepaid Card |
| Funding from a Bank Account | $0.00 | Funding your Spend General Purpose Account from your linked Bank Account. |
| Spend Money | ||
| Bill Payment (Regular Delivery) | $0.00 | Bill pay available when you log in to your account at Spend.com or using the Spend mobile app. Regular bill pay transactions will be completed within 3 business days for electronic payments and approximately 7 days if we have to mail a check to pay your bill. |
| Bill Payment (Expedited Delivery) | $10.00 | Bill pay available when you log in to your account at Spend.com or using the Spend mobile app. Expedited bill pay transactions will be completed within 1 business day. Electronic payments only. |
| Get Cash | ||
| ATM Withdrawal-In Network | $0.00 | “In-network” refers to the Visa Plus ATM Network. Locations can be found at here |
| ATM Withdrawal-Out-of Network | $0.00 | This is our fee. “Out-of-network” refers to all the ATMs outside of the Visa Plus ATM Network. You may also be charged a fee by the ATM operator. |
| Bank Teller Withdrawal | $0.00 | This is our fee. You may also be charged an additional fee by the Bank to conduct the withdrawal. |
| Cash Back at Point of Sale | $0.00 | This is our fee. Retailers may charge additional fees. |
| ATM Decline-In Network | $0.00 | “In-network” refers to the Visa Plus ATM Network. Locations can be found at here |
| ATM Decline-Out-of Network | $0.00 | This is our fee. “Out-of-network” refers to all the ATMs outside of the Visa Plus ATM Network. You may also be charged a fee by the ATM operator. |
| Information | ||
| Automated & Live Agent Phone Calls | $0.00 | No fee for each customer service contact with a live agent. |
| Email and Text Message Alerts | $0.00 | Standard text messaging rates may apply. |
| Mobile Application | $0.00 | Standard data rates and service carrier fees may apply. |
| Mailed Periodic Statement Fee | $0.00 | One request per month is included at no charge. The fee will be charged for each additional request made in the same month. |
| ATM Balance Inquiry (In-Network) | $0.00 | “In-network” refers to the Visa Plus ATM Network. Locations can be found at here |
| ATM Balance Inquiry (Out-of-Network) | $0.00 | This is our fee. “Out-of-network” refers to all the ATMs outside of the Visa Plus ATM Network. You may also be charged a fee by the ATM operator. |
| Using your card outside the U.S. | ||
| ATM Withdrawal-International | $0.00 | This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. |
| ATM Decline-International | $0.00 | This is our fee. You may also be charged a fee by the ATM operator. |
| ATM Balance Inquiry (International) | $0.00 | This is our fee. You may also be charged a fee by the ATM operator. |
| Foreign Transaction Fee | 0% | This is our fee. You may also be charged a fee by any retailers or financial institutions involved in your transaction. |
| Other | ||
| Inactivity Fee | $0.00 | This fee is charged when you do not use your account for over 60 days. |
| Replacement Card (Standard Delivery) | $0.00 | Per replacement card ordered. |
| Replacement Card (Expedited Delivery) | $20.00 | Per replacement card ordered. |
| Paper Check Fee | $0.00 | Per paper check requested. |
Register your card for FDIC insurance eligibility and other protections. Your funds for your Spend Visa Prepaid Card will be held at or transferred to Sutton Bank. Once there, your funds are insured up to the maximum amount as published by the FDIC in the event 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 Spend Visa Prepaid Card by calling 1-800-730-3194, by mail at 65 Queen St Toronto, ON, M5H 2M5 Canada or visit Spend.com.
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.
SPEND CARD LIMITS (USD)
| Membership Level | Daily Limit | Monthly Limit |
|---|---|---|
 Spend Essential™
|
$500.00 – Purchases $150.00 – ATM |
$5,000.00 – Purchases $1,000.00 – ATM |
 Spend Preferred™
|
$5,000.00 – Purchases $500.00 – ATM |
$20,000.00 – Purchases $4,000.00 – ATM |
 Spend Black™
|
$10,000.00 – Purchases $1,000.00 – ATM |
$50,000.00 – Purchases $10,000.00 – ATM |
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