List of all fees for Primary Card Brightwell Visa® Prepaid Card

All Fees Amount Details

Monthly Usage

Monthly Fee $5.00 Monthly fee (per calendar month) is waived until Card expiration; this fee is
assessed one month after the expiration date on the card front, on the day of the
month the card was first loaded.
The fee descriptor that will show on electronic and written transaction histories will
be MONTHLY MAINTENANCE FEE

Per Purchase

Point of Sale Purchases (PIN) $0 There is no fee for purchases.

Get Cash

ATM Withdrawal $2.50 This is our fee. Your first three (3) ATM withdrawals, per month, are at no charge.
After your first 3 no charge ATM withdrawals, you will be charged (per transaction).
Companion Cards are not eligible for this fee waiver. International ATM withdrawals
will incur an International Transaction Service Charge for currency conversion. You
may also be charged a fee by the ATM operator, even if you do not complete the
withdrawal. This ATM fee is a third party fee amount assessed by the individual
ATM operator only and is not assessed by us. This ATM fee amount will be charged
to your Card.
The fee descriptor that will show on electronic and written transaction histories will
be ATM WITHDRAWAL FEE

Bank Teller Withdrawal $7.50 This is our fee. This fee is charged (per transaction) when you use your card for a
cash advance inside a participating bank, with a bank teller.
The fee descriptor that will show on electronic and written transaction histories will
be OVER THE COUNTER CASH ADVANCE

Information

Customer Service (automated or live $0 No fee for calling our customer service line (automated or live agent), including for
agent) balance inquiries.

ATM Balance Inquiry $0.50 This is our fee. This fee is charged (per inquiry) when you check your balance at an
ATM. You may also be charged a fee by the ATM operator, even if you do not
complete the transaction. This ATM fee is a third party fee amount assessed by the
individual ATM operator only, and is not assessed by us. This ATM fee amount will
be charged to your Card.
The fee descriptor that will show on electronic and written transaction histories will
be ATM BALANCE INQUIRY FEE

Balance Inquiry (Online) $0 No fee to check your balance online.

Using your card outside the U.S.

Currency Conversion Fee 3.5% Of the U.S. dollar amount of each transaction.
The fee descriptor that will show on electronic and written transaction histories will
be INTERNATIONAL TRANSACTION SERVICE CHARGE

Other

ATM Transaction Decline $0.50 This is our fee. This fee is charged (per decline) when you attempt to withdraw funds
at an ATM and you do not have the available balance for the amount. You may also
be charged a fee by the ATM operator, even if you do not complete the withdrawal.
 This ATM fee is a third party fee amount assessed by the individual ATM operator
only and is not assessed by us. This ATM fee amount will be charged to your Card.
The fee descriptor that will show on electronic and written transaction histories will
be ATM TRANSACTION DECLINE

Point of Sale Declines $0 No fee for PIN purchase or Signature purchase declines.

Standard Card Replacement $10.00 This is our fee. This fee is charged (per Card) when Card is reissued or replaced for
any reason except upon expiration. (7-10 business day delivery)
The fee descriptor that will show on electronic and written transaction histories will
be REPLACEMENT CARD FEE

Expedited Card Replacement $30.00 This is our fee. This fee is charged (per request) for an expedited delivery of a Card
replacement or reissue for any reason. Expedited Card Replacement is an
additional fee for requested expedited 3-5 business day delivery (if destination is
outside of U.S. then delivery timeframe is based on destination) for a Card that is
reissued or replaced for any reason. $10.00 Standard Replacement Fee still applies
for a Card that is reissued or replaced for any reason except upon Card expiration.
The fee descriptor that will show on electronic and written transaction histories will
be EXPEDITED CARD SHIPPING

Primary Card to Companion Card or $0 There is no fee to transfer funds from a Cardholder’s primary Card to a Companion
Primary Card Transfer Card or another Primary Card.

Online Statement $0 No fee for viewing your statement online.

Paper statements $5.00 This is our fee. This fee is waived for your first Paper statement request for any
month in a twenty-four (24) month period. If you request more than one Paper
statement, for the same month, you will be charged the fee. (Paper statements can
be requested by the primary Cardholder only.)
The fee descriptor that will show on electronic and written transaction histories will
be PAPER STATEMENT FEE

Card Account Closure Fee $10.00 This is our fee. The Card Account Closure Fee applies when a primary Cardholder
contacts customer service and requests to close his/her primary or Companion Card
and be issued a check for the remaining balance. Administratively, the Program
Manager must provide a means for Cardholders to close out their Card Accounts
and receive any remaining balances. Customer service representatives are
instructed to advise Cardholders to access their remaining balances at an ATM
and/or POS terminal or merchant to avoid this fee.
The fee descriptor that will show on electronic and written transaction histories will
be CARD ACCOUNT CLOSURE FEE

Wire Transfer Fees – Money in This is a Western Union feature. You will be quoted a fee amount and charged the
Minutes Service (transfer to Bank fee by the provider at the time of the transaction. This is a third party fee and subject
Account or Retail Agent Location) to change.
FEE IS NOT CHARGED BY BRIGHTWELL; THE FEE IS INCLUDED IN THE
AMOUNT DEBITED BY THE REMITTANCE PROVIDER OFF THE CARD AND
WILL NOT SHOW UP ON ELECTRONIC OR WRITTEN HISTORIES.

Your funds are eligible for FDIC Insurance. Your funds will be held at or transferred to The Bancorp Bank, an FDIC-insured
institution. Once there, your funds are insured up to $250,000 by the FDIC in the event The Bancorp 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/credit feature.
Contact Brightwell Customer Service by calling 1-855-821-4694 or 1-404-937-5700, by mail at P.O. Box 724026, Atlanta, GA 31139
or visit www.brightwellnavigator.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.
Card Transaction Limits

USD

Maximum balance 99,999*

Minimum balance 0.00

Maximum amount to be Loaded in 24 hours 35,000

Minimum amount to be Loaded 0.01

Maximum daily ATM withdrawals (per 24 hours) 2,500

Maximum Bank Teller OTC Withdrawal 2,500

* Card balances greater than $50,000.00 are expressly permitted for the purpose of receipt of retirement distribution loads. Regular,
recurring payroll loads that will cause the card balance to exceed $50,000 may not be accepted.