If you choose the prepaid debit card, the following fees may apply.
| Description | Fee | How to Avoid Fees |
| PIN Transactions at POS (point-of-sale, ie. register checkout) | $0.50 per transaction | Swipe card and sign without entering pin # and no fee is charged |
| Out of Network ATM Withdrawal | $2.00 per transaction | Use in-network ATM |
| International ATM Withdrawal | $3.00 per transaction | |
| International Currency Conversion* | 3% per transaction | |
| ATM Balance Inquiry | $1.50 per transaction | Inquiry by text, online or phone and no fee is charged |
| Cash Withdrawal at Teller | 2.0% | |
| Inactivity Fee** | $3.00 Trigger: 12 months | Fee not charged in the 1st year card is issued |
| ATM / POS Declines | $1.50 Per transaction decline | Check balance before initiating transactions |
| Card Replacement Fee | $9.95 per incident | Keep your card for future refunds |
| Expedited Card Replacement | $19.95 per incident | |
| Please note: Citi Network ATM withdrawals and balance inquiries are free of charge. | ||
| * International Transaction Fee: A 3% fee will be applied to all transactions made outside the United States. This fee is included in the total amount of the settled transaction. | ||
| ** Following a 12 month grace period, an Inactive Account will be defined as any account that has not received a payment or completed a transaction within 90 days. The charge will be recurring each month unless the account becomes active or the balance of the account is $0.00. |
