PREPAID DISCLOSURES
Money Network State Government Disbursement Program Short Form
You do not have to accept this benefits card.
Ask about other ways to receive your benefits.
Monthly fee Per purchase ATM withdrawal Cash reload
$0 $0 $0 in-network N/A
$1.00 out-of-network
ATM balance inquiry (in-network or out-of-network) $0
Customer service $0 per call
Inactivity $0
We charge 4 other types of fees. Here is one of them:
Priority Shipping Fee $9.00
No overdraft/credit feature
Your funds are eligible for FDIC insurance.
For general information about prepaid accounts, visit cfpb.gov/prepaid.
Find details and conditions for all fees and services in the Cardholder
Agreement.
Money Network State Government Disbursement Program. The Visa Card is issued by My Banking Direct, a service of New York
Community Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Incorporated. Card is serviced by Money Network
Financial, LLC
List of all fees (Long Form) for the Money Network® State Government Disbursement Program
All Fees Program Fees Details
Monthly Usage
Account Opening and Card Receipt $0.00 No fee for Account Opening and initial Card.
Monthly Maintenance Fee $0.00 We do not assess a monthly maintenance fee.
Add Money
Payer Deposit $0.00 Funds are loaded only by your Payer.
Spend Money
Select “Credit” or sign at point-of-sale (POS). International Service Assessment or
Signature Debit Transactions $0.00 Cross Border Assessment may also apply to International Transactions.
Select "Debit" and enter PIN at POS; cash back option at participating merchants.
PIN Debit Transactions $0.00 International Service Assessment or Cross Border Assessment may also apply to
International Transactions.
Get Cash or Send Cash
Withdrawal or Decline from ATM that is a part of our network. To find in-network
ATM Withdrawal Fee or ATM Decline Fee | In-Network $0.00 ATMs, use the locator on our Mobile App (data rates may apply) or on our
Website, or call Customer Service.
This is our fee. We will waive this fee the first six times you perform this
transaction per month. You may also be charged a fee by the ATM operator, even
ATM Withdrawal Fee| Out-of-Network $1.00 if you do not complete a transaction. “Out-of-Network” means ATMs that are not
in-network ATMs. To find in-network ATMs, use the locator on our Mobile App
(data rates may apply) or on our Website, or call Customer Service.
We do not charge a fee for this service. You may be charged a fee by the ATM
ATM Decline Fee | Out-of-Network $0.00 operator.
At banks displaying the card association logo on your Card's front side. This is our
fee. International Service Assessment or Cross Border Assessment may also apply
Bank Teller Over the Counter Cash Withdrawal $0.00 to International Transactions.
Domestic ACH transactions are subject to additional terms that are disclosed
Transfer to Customer Bank Fee $0.00 when transaction is initiated.
Information
You may also obtain Account activity without a fee via Mobile App (data rates may
Monthly Paper Statement $0.00 apply), our Website, or by contacting Customer Service.
Customer Service $0.00 24/7 toll free Account access, including account balance inquiries.
To find in-network ATMs, use the locator on our Mobile App (data rates may
ATM Balance Inquiry Fee | In-Network $0.00 apply) or at our Website, or call Customer Service.
This is our fee. You may also be charged a fee by the ATM operator, even if you do
ATM Balance Inquiry Fee | Out-of-Network $0.00 not complete a transaction.
Using Your Card Outside the U.S. (International Transactions)
This is our fee. We will waive this fee the first two times you perform this
transaction per month. You may also be charged a fee by the ATM operator, even
ATM Withdrawal INT Fee (Non-U.S.) $1.00
if you do not complete a transaction. Currency Conversion Assessment Fee,
International Service Assessment, and/or Cross Border Assessment may also apply
to these transactions.
This is our fee. You may also be charged a fee by the ATM operator, even if you do
not complete a transaction. Currency Conversion Assessment Fee, International
ATM Decline INT Fee (Non-U.S.) $0.00 Service Assessment, and/or Cross Border Assessment may also apply to these
transactions.
This is our fee. You may also be charged a fee by the ATM operator, even if you do
not complete a transaction. Currency Conversion Assessment Fee, International
ATM Balance Inquiry INT Fee (Non-U.S.) $0.00 Service Assessment, and/or Cross Border Assessment may also apply to these
transactions.
This fee applies if a transaction is initiated in a currency other than U.S. dollars
and a currency conversion rate applies. Fee is assessed as a percentage of the U.S.
Visa International Service Assessment dollar amount of each International Transaction made with your Card. See the
2.0% section labeled “International Transactions” in your Cardholder Agreement for
additional information. If this fee applies to your transaction, it will be included in
the transaction amount on your statement.
This fee applies if a transaction is initiated in U.S. dollars by a merchant with a
non-U.S. country code. Fee is assessed as a percentage of the U.S. dollar amount
of each International Transaction made with your Card. See the section labeled
Visa Cross Border Assessment 0.8% “International Transactions” in your Cardholder Agreement for additional
information. If this fee applies to your transaction, it will be included in the
transaction amount on your statement.
Other
Reissuance of Lost/Stolen Card $0.00 Reissued Card shipped via U.S. mail 7-10 business days after order placed.
Additional fee to ship replacement Card 4-7 business days after order placed.
Priority Shipping Fee $9.00 Reissuance of Card Fee also applies.
Additional Disclosures
Your funds are eligible for deposit insurance up to the applicable limits by the Federal Deposit Insurance Corporation (“FDIC”). Your funds will be held at My Banking
Direct, a service of New York Community Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event New York
Community 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 Customer Service by calling 1-888-292-0059, by mail at 2900 Westside Parkway, Alpharetta, GA 30004, or visit our Website at mbd.everywherepaycard.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.
©2022 Money Network Financial, LLC. Cards issued by My Banking Direct, a service of New York Community Bank, Member FDIC.
All trademarks, service marks and trade names referenced in these materials are the property of their respective owners. NYCB TPP ST GOV C 22/8
