All Fees

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ATM Withdrawal Fee (in-network)

Amount: $1.75

Details: This is our fee for each in-network ATM Withdrawal. “In-network” refers to the Presto! ATM Network. For Primary Cardholders, there is no cost for the first withdrawal at any Presto! ATM per deposit; $1.75 per Presto! withdrawal thereafter. Secondary Cardholders are not eligible for no-cost withdrawals.
 
Locations can be found at https://www.publix.com/presto. You may also be charged an additional fee by the ATM operator, even if you do not complete a transaction. No-cost withdrawals do not accrue. Each unused no-cost withdrawal expires upon a subsequent deposit, and a new no-cost withdrawal is available.

ATM Withdrawal Fee (out-of-network) 

Amount: $1.75

Details: This is our fee for each out-of-network ATM Withdrawal. “Out-of-network” refers to all ATMs outside of the Presto! ATM Network. You may also be charged an additional fee by the ATM operator, even if you do not complete a transaction.

Declined ATM Withdrawal Fee 

Cantidad: $0.50

Details: This is our fee for each Declined ATM Withdrawal. You may also be charged an additional fee by the ATM operator, even if you do not complete a transaction.

OTC Withdrawal Fee 

Amount: $4.00

Details: This is our fee for each Over-The-Counter Withdrawal.

Information

ATM Balance Inquiry Fee  

Amount: $0.50

Details: This is our fee for each Balance Inquiry made at an ATM. You may also be charged an additional fee by the ATM operator.

Spend money

Declined Transaction Fee 

Amount: $0.50

Details: This is our fee for each Declined PIN or Declined Signature Purchase.

Using your card outside the U.S.

International ATM Withdrawal Fee 

Amount: $3.00 + 3% 

Details: This is our fee for each International ATM Withdrawal + 3% Currency Conversion Fee of the transaction amount. You may also be charged an additional fee by the ATM operator, even if you do not complete a transaction.

International ATM Balance Inquiry Fee 

Amount: $0.95

Details: This is our fee for each International ATM Balance Inquiry. You may also be charged an additional fee by the ATM operator.

Currency Conversion Fee  

Amount: 3%

Details: Of the transaction amount for each transaction.

Declined International ATM Withdrawal Fee 

Amount: $0.95

Details: This is our fee for each Declined International ATM Withdrawal. You may also be charged an additional fee by the ATM operator, even if you do not complete a transaction.

Declined International Transaction Fee  

Amount: $0.50

Details: This is our fee for each Declined International PIN Purchase or Declined International Signature Purchase.

Third-Party Fees

Remote Check Deposit (Third-Party) Ingo Money 

Amount: 5%

Details: This is not our fee and is subject to change, accurate as of June 1, 2025. Money in 10 Days - no fee. Fee of up to 5% of check value may apply when cashing a check to load your card at Ingo Money. Money in Minutes - 2% (pre-printed payroll or gov't checks) or 5% (all other checks), minimum $5.00. Fee is deducted from check value. Go to ingomoney.com for more information.

Cash Reload Retail Service Fee (Third-Party) Green Dot® Network

Amount: Up to $4.95 

Details: A retail service fee, set by the participating retailer within the Green Dot Network, applies to each cash load. This fee is assessed by the retailer and not assessed by the Green Dot Network, may vary by location, and is collected at the time of the cash load. Ask the retailer about the fee before completing your transaction. For more information and to find locations, visit attheregister.com/locations.

Other

Card Replacement Fee 

Amount: $5.00 

Details: This is our fee for each request to replace lost, stolen or damaged Cards. Primary Cardholders receive one (1) no-cost replacement Card per calendar year or upon expiration. Secondary Cardholders are not eligible for no-cost card replacements. Card will be delivered via USPS within seven (7) to ten (10) business days.

Expedited Card Replacement Shipping

Amount: $20.00 

Details: This is our fee for each request for Expedited Card Replacement Shipping. Expedited card replacement shipping is delivered via UPS within three (3) to five (5) business days. This is in addition to the $5.00 Card Replacement Fee.

Check Refund Fee

Amount: $12.50

Details: This is our fee for each refund check for remaining Card Account balance. A refund check can only be requested by the Primary Cardholder.

Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to The Bancorp Bank, N.A., an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event The Bancorp Bank, N.A., fails, if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.

Contact smiONE by calling 1-855-403-8344 (if calling from outside the U.S., please call 1-850-601-3047), by mail at P.O. Box 2489, Carrollton, GA 30112, or visit www.smionecard.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.