True Blue® Money Debit Card Terms and Conditions

Terms and conditions

VISA® True Blue® Money Prepaid Debit Card Cardholder Agreement

Capitol Federal® Savings Bank

TERMS AND CONDITIONS

This Agreement is effective as of March 31, 2019, and replaces any previous agreement with respect to the subject matter of this Agreement.

This Visa® True Blue® Money Prepaid Debit Card Cardholder Agreement (“Agreement") is the agreement between you and Capitol Federal® Savings Bank, (“Bank”) with respect to the issuance and use of the your Visa True Blue Money Prepaid Debit Card ("Card") and the prepaid account (“Prepaid Account”) accessed by the Card. You will be deemed to have accepted the terms of this Agreement if: (a) you have requested and received your Card, (b) you use your Card or allow another person to use your Card or (c) you activate your Card.  Your Card is a general purpose reloadable card that can only be used to access funds in your Prepaid Account.  It cannot be used to access any other account and is not a credit card. In connection with your Prepaid Account, you are entitled only to any rights or benefits that are contained in this Agreement or available to you under the law.

Capitalized terms used in this Agreement have the meaning set forth in the following Definitions section.  Other capitalized terms are also defined throughout the Agreement.

Definitions.

"Available Balance" shall mean the balance of funds that have been loaded to your Card, less the amount of any previously authorized Transactions or withdrawals from your Card that are pending plus the amount of any disputed Transactions while the dispute is pending plus the amount of any returns that are credited back to your Card.

"Bank" shall mean Capitol Federal Savings Bank, a federally chartered savings bank headquartered in Topeka, KS, which may also be referred to as “Capitol Federal,” "Issuer,” “we," "our" or "us".

"Card" shall mean the Visa True Blue Money Prepaid Debit Card issued to you by the Bank – whether or not such card carries a personalization imprint with your name – or the Prepaid Account number printed on the face of the Card.

“Prepaid Account” shall mean the account accessed by your Card.

"Transaction" shall mean a request by you (a) to withdraw cash using the Card or obtain information about the balance remaining on the Card at an ATM, (b) to purchase or lease goods or services at a third party merchant location (including via the telephone or the Internet) using the Card, which may be authorized or declined by the Bank or (c) to withdraw cash through a cash advance at a financial institution using the Card.

“Website” shall mean www.visaprepaidprocessing.com/TrueBlueMoney.

"You" and "your" shall mean the person who requested the Card and/or the person whose name appears on the face of the Card or to whom the Card is registered and is the person authorized to use it as provided for in this Agreement.

1. GENERAL INFORMATION

Please read this Agreement carefully and keep it for future reference.  Your Card is the property of the Bank, and we may close your Prepaid Account at any time without cause or notice.  You may not use an expired or cancelled Card.

Not a Gift Card. The Card is a general purpose reloadable card and may be used for any purpose you choose, such as budgeting, travel, online shopping or general purchases, unless otherwise prohibited by this Agreement.  The Card is not a gift card or award card.

Prepaid Account Ownership.  You are the sole owner of your Prepaid Account.  No joint ownership of your Prepaid Account is permitted.  You may have only one Card for your Prepaid Account.  You may have more than one prepaid account, each of which shall be accessed by a separate card.

Authorized User. Once you request a personalized card, you may request that we issue one additional Card to another individual that you designate as an authorized user (“Authorized User”).  We will determine in our sole discretion whether to honor such a request.  If we honor your request, we will issue a Card in the name of the Authorized User. 

The Authorized User shall have full access to the funds available in your Prepaid Account.  The Authorized User will have limited access to information through the Website, including your Prepaid Account status and balance and the Authorized User’s own transaction history.  The Authorized User shall not be an owner of your Prepaid Account, and shall not be authorized to change the ownership of your Prepaid Account.  You or the Authorized User may cancel the Authorized User’s Card at any time.  The Authorized User may load funds onto the Prepaid Account; however, we shall under no circumstances be liable to the Authorized User for the return of such funds if the Authorized User’s access to the Prepaid Account is canceled or terminated.  The Authorized User shall be subject to the terms of this Agreement governing the use of such Card. 

Transferability and Assignment. Your Prepaid Account is for your personal use only.  You may not resell, assign, pledge or otherwise transfer your interest in your Prepaid Account or your Card. 

Fees. Your Prepaid Account is subject to the fees and other conditions and limitations set forth in Section 14 of this Agreement. Fees will also be disclosed to you in separate Long and Short Form Disclosures.    You agree to pay any and all fees as we may, from time to time, impose pursuant to this Agreement. We will deduct any such fees from your Prepaid Account.  All fees disclosed are imposed and retained by us, with the exception of fees charged for loading your Card at ReadyLink locations or using the Ingo App.  You may be charged other fees for the use of your Card – for example, a fee or “surcharge” charged by the owner of an ATM for use of the ATM.  Such fees are not imposed by us and, therefore, are not specifically disclosed in this Agreement.

Business Days. For purposes of this Agreement, our "Business Days" are Monday through Friday, excluding federal holidays.

Identity Verification. Pursuant to requirements of law, including the USA PATRIOT Act, the Bank is obtaining your personal information and will take necessary actions to verify your identity.  You authorize the Bank to use credit bureaus or other services or databases to perform such verification.

Minimum Load to Open. There is a minimum initial load of $25 required for us to issue a Card.

Interest. You will not be paid or earn interest on your Prepaid Account. 

FDIC Insurance.  Register your card for FDIC insurance eligibility and other protections.  Your funds will be held at or transferred to Capitol Federal, an FDIC-insured institution. Once there, your funds are insured with all your other accounts that you hold at the Bank, up to $250,000, by the FDIC in the event Capitol Federal fails, if specific deposit insurance requirements are met and your card is registered. See https://www.fdic.gov/deposit/deposits/prepaid.html for details.

2. RELOADING YOUR CARD

Reloading Your Card. You may load additional funds to your Card between the amounts of $25 and $2,500 at any Capitol Federal Savings Bank office during our regular business hours or by calling customer service at 1-888-822-7333, provided such funds are in U.S. currency (cash) or are transferred from available funds from a Capitol Federal Savings Bank account and your Card is active and in good standing. The total balance on your card may not exceed $3,000.

Additional loads of funds to your Card also are permitted at Visa ReadyLink locations, but you may be charged a fee by the participating merchant.  You may find Visa ReadyLink locations at http://usa.visa.com/locators/readylink-locations.jsp

Ingo Money App is also available for mobile check deposit to your Card.  More information is available at www.ingomoney.com. All checks are subject to review and approval.  Additional options for loading funds on your Card may be made available in the future. All reloading options are detailed on our Website at www.visaprepaidprocessing.com/TrueBlueMoney.  

3. USE OF YOUR CARD AND PIN; TYPES OF TRANSACTIONS

Card Personalization.  If you received a temporary card from a Capitol Federal branch location, your card will automatically be upgraded to a personalized card with your name on it after reloading the card 12 times or for more than $2,500.00 in aggregate, whichever comes first. A personalized card will be mailed to your address within 7-10 days of the upgrade. Your temporary card will be cancelled upon activation of the personalized card.  

Use of Your Card and PIN. Your Card and Personal Identification Number ("PIN") are provided for your use and protection and you agree that you will:

(a) Not disclose your PIN or record it on your Card or otherwise make it available to anyone else;

(b) Use your Card, your PIN and any ATM only as instructed;

(c) Promptly notify us of any loss or theft of your Card or PIN; and

(d) Be liable for the authorized or permitted use of your Card and PIN.

Limits on Use. We may impose limits on Transactions.  The maximum permitted cash withdrawal at an ATM is the lesser of $500/day or the Available Balance on the Card (subject to the currency denomination limitations at the ATM), less any fees associated with that Transaction.  The maximum permitted Transaction at a merchant location is the lesser of $2,500/day or the Available Balance of the Card, less any fees associated with that Transaction.  If these daily limits change, we will give you advance notice if required by law.

When you use your Card at a merchant, the merchant will request a preauthorization for the amount of the Transaction. We will place a hold on your Available Balance of the Prepaid Account equal to the preauthorization for three days or until the Transaction posts to your Prepaid Account, whichever occurs first. If the preauthorized amount does not match the amount of the settling Transaction, the hold may not be released until the three days expire. When using your Card at a merchant where a tip may be included (including but not limited to restaurants, bars, taxis, beauty and barber shops, and health and beauty spas), your Transaction may be authorized for an additional 20% above your total bill. However, the tip amount is at your discretion. The actual amount processed to your Prepaid Account will not exceed the amount of the bill plus the tip added by you.

Note that some self-service pay-at-the-pump gasoline Transactions may be denied if your Available Balance is less than $75 and the merchant does not participate in the partial authorization program. The partial authorization program allows the merchant to request partial authorization for fuel Transactions when your Prepaid Account’s Available Balance is not sufficient to approve the Transaction in full allowing you to spend the Available Balance rather than declining the Transaction. 

If we suspect that irregular, unauthorized or unlawful activity may be involved with your Prepaid Account, we may "freeze," or place a hold on, the Available Balance pending an investigation of such suspected activity. If we freeze your Prepaid Account, we will give you any notice required by law.

No Preauthorized Payments. You may not make preauthorized regular payments or PIN-less bill payments through the use of your Card.

Point-Of-Sale Transactions. You may use your Card to purchase goods and services and obtain cash at merchants that accept Visa debit cards. Some Transactions may require use of your PIN. We reserve the right to restrict certain Transactions. If your purchase amount is greater than the remaining Available Balance in your Prepaid Account, most merchants will permit you to pay the difference with alternative methods. You must inform the merchant before beginning your Transaction and you must know the remaining Available Balance.

You do not have the right to stop payment on any point-of-sale Transaction. You agree that we are not responsible for goods or services purchased with your Card, any merchant that refuses to accept your Card, or any other actions by a merchant. You will resolve any merchant dispute directly with the merchant and accept any refund on purchases made using your Card as a credit to your Card.

Cash Access. You may use your Card and PIN to obtain cash or make balance inquiries at any ATM displaying the Visa logo.  You may also use your Card to obtain cash at offices of financial institutions that accept Visa cards, including our offices, in an Over the Counter (“OTC”) Transaction.  You will be charged a fee for every withdrawal or balance inquiry at any ATM, including those displaying the Capitol Federal Savings Bank name and/or logo.

Minimum and Maximum ATM or Cash Transactions. The maximum permitted cash withdrawal at an ATM is the lesser of $500/day or the Available Balance on the Card (subject to the currency denomination limitations at the ATM), less any fees associated with that Transaction.  The maximum permitted cash advance is the lesser of $1,500/day or the Available Balance on the Card, less any fees associated with that Transaction.  Most ATMs require that cash withdrawals be made in multiples of a certain dollar amount (e.g. $10 or $20). In addition, some ATM operators have maximum amounts that may be withdrawn at a machine in one transaction. Many merchants limit the amount of cash that may be obtained in connection with a purchase transaction. 

Foreign Transactions. If you use your Card to purchase goods or services or to obtain cash from an ATM in a currency other than U.S. dollars, Visa will convert the charge into a U.S. dollar amount. The currency conversion exchange rate on the processing date may differ from the rate on the Transaction date. The currency conversion exchange rate used by Visa will either be (a) a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa receives, or (b) the government-mandated rate in effect for the applicable central processing date.

In each instance, we will also charge and deduct from the Available Balance a 2% international transaction fee on the U.S. dollar amount of any Transaction that is made in a foreign currency. If you use the Card to purchase goods or services outside the United States, even if you pay in U.S. Dollars, we may charge and deduct from the Account Balance a 2% international transaction fee on the amount of the Transaction.

Negative Balance. Your Prepaid Account does not include an overdraft feature.  Any Transaction exceeding the Available Balance that will create a negative balance on your Card is not permitted. We may decline to authorize any Transaction for which we reasonably believe you have insufficient or unavailable funds at the time the Transaction is authorized to cover the amount of the Transaction. However, if we authorize or settle a Transaction for more than your Available Balance, you agree (a) that we may take the amount of the negative balance from subsequent loads to your Card or (b) to pay us on demand the amount of the negative balance. There are no fees associated with a negative balance. 

Legal Transactions.  You agree that you will use your Card only for Transactions that are legal. You agree not to use the Card for illegal Transactions or activity, including without limitation Internet gambling Transactions. Display of a Visa or other logo by an on-line merchant does not mean that the Transaction is legal where you conduct it. You agree that we may decline Transactions we believe may be illegal or in violation of applicable network rules. You also agree that if we do not decline the Transaction, we may charge your Card and we are not liable to you if you engage in an illegal Transaction or activities.

4. RIGHT TO RECEIVE DOCUMENTATION OF TRANSACTIONS

Terminal Receipts. You usually can get a receipt at the time you make any Transaction with your Card at an ATM, OTC or point-of-sale terminal; however, you may not get a receipt if the amount of the Transaction is $15 or less.

Electronic Statements and Notices. You may obtain information about the amount of money you have remaining in your Prepaid Account by calling 1-888-8CAPFED (1-888-822-7333). This information, along with a 12-month history of account transactions, is also available online at www.visaprepaidprocessing.com/truebluemoney.  If your account is registered with us, You also have the right to obtain at least 24 months of written history of account transactions by calling 1-888-822-7333, or by writing us at Capitol Federal Savings Bank, 700 S Kansas Avenue, Topeka, KS, 66603. You will not be charged a fee for this information unless you request it more than once per month.

5. LEGAL PROCESS AND OUR RIGHT TO SETOFF

Legal Process. Following receipt by us of any legal action (“Legal Process”) such as a  lien, attachment, garnishment or other proceeding brought against you or your Prepaid Account, we may, without notice to you, unless otherwise required by law, withhold transfer of so much of the Available Balance of your Prepaid Account as may be the subject of such Legal Process, and pay such amount to the court or creditor, in accordance with applicable state or federal law without liability to you for such withholding or payment or for refusal to honor transfers made by you. If we incur any costs or expense, including but not limited to reasonable attorney fees, in responding to any Legal Process, you will reimburse us for such costs or expense or we may deduct them from your Available Balance. Any Legal Process brought against you or your account shall be subject to our right to setoff. 

Setoff. If you ever owe us money for any reason as a borrower, guarantor or otherwise, and it becomes due, we have the right under the law (called “setoff”) to use the money from your Prepaid Account to pay the debt as well as any costs or expenses incurred by us in  enforcing our rights.  Any such indebtedness now or hereafter owing to us by you may be charged to your Prepaid Account. We may exercise this right of setoff at any time, without prior notice to you.  We will not be liable to you if our setoff from your account leaves insufficient funds to cover outstanding items. You agree to hold us and our affiliates harmless from any claim arising as a result of the exercise of our right of setoff.

6. LIABILITY FOR UNAUTHORIZED TRANSFERS 

Tell us AT ONCE if you believe your Card or your PIN or similar code has been lost or stolen, or if you believe that a Transaction has been made without your permission.  Telephoning is the best way of keeping your possible losses down.  You could lose all the money in your account.  If you tell us within two (2) Business Days after you learn of the loss or theft of your Card or your PIN or similar code, you can lose no more than $50 if someone used your Card or your PIN or similar code without your permission.

If you do NOT tell us within two (2) Business Days after you learn of the loss or theft of your Card or your PIN or similar code, and we can prove we could have stopped someone from using your Card, your user name or password, or your PIN or similar code without your permission if you had told us, you could lose as much as $500. 

Also, if your statement, the Website or a telephone inquiry of your Available Balance shows transfers that you did not make, tell us at once.  If you do not report unauthorized Transactions to us within sixty (60) days from the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the sixty (60) days if we can prove we could have stopped someone from taking the money if you had told us in time.  We may limit the investigation to 120 days from the date the Transaction posted to your Account.  If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. 

If you believe your Card or your PIN or similar code has been lost or stolen, call us at the number below, or write at the address below.

Telephone:

1-888-8CAPFED (1-888-822-7333) (toll free from the USA)

Or 1-785-233-0547 from outside the USA (toll charges may apply)

Or by fax 24 hours daily to 1-785-231-6364 (toll charges may apply from outside the USA)

Or by email to banking@capfed.com

Address:

Capitol Federal Savings Bank

700 S. Kansas Avenue

Topeka, KS  66603

You should also call the number or write to the address listed above if you believe a Transaction has been made without your permission.

For purposes of these disclosures, our business days are Monday through Friday.  Holidays are not included.

7. Bank's Liability.

If we do not complete a transfer to or from your Prepaid Account on time or in the correct amount according to this Agreement, we may be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

(a) If, through no fault of ours, your Available Balance is insufficient to complete the Transaction;

(b) If the ATM where you are making the Transaction does not have enough cash to complete the Transaction;

(c) If the ATM or POS terminal was not working properly and you knew about the breakdown when you started the transaction;

(d) If circumstances beyond our control (such as power outages, equipment failures, fire or flood) prevent the transaction, despite reasonable precautions that we have taken; or

(e) If your Card or PIN has been reported to be, or suspected of being, lost or stolen, and we have taken action to prevent transactions with your Card or PIN.

We have no liability for our failure to provide an authorization when the failure is a result of an act of God, failure of a public utility, computer or equipment failure, accident, outdated or erroneous data regarding your Available Balance, strike, war, disaster, act of terrorism, failure of communication links or facilities, or other circumstance beyond our control.   

EVEN IF LIABILITY IS ESTABLISHED FOR ACTUAL DAMAGES, IN NO EVENT WILL WE BE LIABLE TO YOU FOR SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR PREPAID ACCOUNT OR YOUR CARD, REGARDLESS OF WHETHER WE MAY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, UNLESS REQUIRED BY APPLICABLE LAW. The limitations and exclusions in this paragraph shall apply to all claims of every kind, nature and description whether arising from breach of contract, breach of warranty, gross negligence or other tort, and will survive the termination of this Agreement and all of your business with us.

8. Error Resolution.

In the case of errors or questions about your Prepaid Account, telephone us at 1-888-8CAPFED (1-888-822-7333) or write us at Capitol Federal Savings Bank, 700 S. Kansas Ave, Topeka, KS 66603, or email us at banking@capfed.com as soon as you can, if you think an error has occurred in your Prepaid Account.  We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared, but we may limit the investigation to 120 days from the date the Transaction posted to your Account.  You may request a written history of your transactions at any time by calling us at 1-888-8CAPFED (1-888-822-7333) or by writing us at Capitol Federal Savings Bank, 700 S. Kansas Ave, Topeka, KS 66603.  You will need to tell us:

(a) Your name and Prepaid Account Card number.

(b) Why you believe there is an error, and the dollar amount involved.

(c) Approximately when the error took place.

 

If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days. 

We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, and your account is registered with us, we will credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Keep reading to learn more about how to register your card.

It is important you register your account as soon as possible.  Unless you register your account, we may not credit your account in the amount you think is in error until we complete our investigation.  To register your account, go to www.visaprepaidprocessing.com/truebluemoney.  We will request identifying information about yourself including your full name, address, date of birth, and social security number or government issued identification number will be required so we can verify your identity.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question.  For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. 

We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of documents that were used in the investigation.

If you need more information about our error-resolution procedures, call us at 1-888-8CAPFED (1-888-822-7333) or visit capfed.com. 

9. PRIVACY POLICY AND DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES

You will receive a copy of our Privacy Policy, which generally addresses how we share customer information.  You may also view this policy at https://capfed.com/privacy-and-security/privacy-policy

We will disclose information to third parties about your Prepaid Account or your Transactions:

(a) Where it is necessary for completing Transactions;

(b) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;

(c) In order to comply with government agency or court orders; or

(d) If you give us your written permission.

We will also automatically submit your Prepaid Account information to the Visa Prepaid Clearinghouse Service (“PCS”) to assist in fraud prevention measures.  PCS is a centralized database that consolidates, tracks, and aggregates information about prepaid card enrollments, loads, unauthorized transaction requests and fraud to improve the fraud detection process.  Information obtained from PCS can only be used for fraud investigation purposes.  Please contact the PCS Customer Service Department using the information below for additional details regarding such information.  You will have the opportunity to dispute, if necessary, certain information, and Visa will handle the dispute process for you.  

Visa Prepaid Clearinghouse Service Customer Service Department

5005 Rockside Road, Suite 600-27

Independence, OH 44131 PH

Phone (844)263-2111

Fax (844)432-3609

PCS Customer Service Department’s business hours are Monday – Friday, 9:00 a.m. – 5:00 p.m. eastern.

10. AMENDMENTS, EXPIRATION AND TERMINATION

Amendments. Unless prohibited by applicable law, we may, at any time, change the terms and conditions in this Agreement, including the amount of any fee. We may add new terms and conditions and we may delete or amend existing terms and conditions. We generally send you advance notice of an adverse change. If a change is not adverse to you, however, we may make the change at any time without advance notice. 

Amendments will be posted on the Website and we will send notices of changes to your address as it appears in our records, or at the Bank’s option, by providing an email alert to you that the changes have been posted to the Website.  If you do not agree with the change, you may cancel your Card. However, if you continue to use your Card, you shall be deemed to accept and agree to the change.  If we change the amount of fees, we will provide at least 21 days’ prior notice to you.

Card Expiration or Dormancy. Your Card expires on the date listed on the front of your Card. We may at our sole discretion provide a replacement card or send you the balance in the form of a check.  You agree to destroy your card if it has expired. 

Your Card becomes dormant when it has had no activity for more than 24 months. If you have an Available Balance remaining on your Card after it has become dormant, we may close your Prepaid Account and send you the balance in the form of a check. 

Our Closure or Suspension of Your Prepaid Account. We may close or suspend your Prepaid Account at any time. If we close your Prepaid Account and you have an Available Balance remaining in your Account, we may send you the Available Balance in the form of a check.  You agree to destroy your Card after closure of your Prepaid Account. Your Account may be suspended in the event of fraudulent or unusual activity or if we are unable to verify your identity.  Your Prepaid Account may be reactivated upon verification of Transactions or by updating missing or incomplete information. You are responsible for negative balances that occur after your notice of closure or suspension to the same extent as provided in Section 3 of this Agreement.

Closing Your Prepaid Account. You may close your Prepaid Account at any time. If, at the time you close your Prepaid Account, all Transactions have cleared and there is no remaining Available Balance, your Card will be cancelled. If there is a remaining Available Balance, you may use your Card to reduce the Available Balance to zero before closing your Prepaid Account. Alternatively, you can contact us and request a check for the remaining Available Balance. You agree to destroy your Card after closure. You are responsible for negative balances that occur after your notice of closure to the same extent as provided in Section 3 of this Agreement.

11. UNCLAIMED PROPERTY

Any remaining unclaimed balance after expiration, cancellation, or other closure of your Prepaid Account will be reported and remitted as unclaimed property to the appropriate state as required by law. After we turn the funds over to the state, we have no further liability to you for the funds, and you must apply to the appropriate state agency to reclaim your funds.

12. GOVERNING LAW/SEVERABILITY

This Agreement is governed by Kansas law except to the extent federal law controls. If any term of this Agreement is found by a court of competent jurisdiction to be invalid or unenforceable, it shall be severed from this Agreement and will not affect the validity or enforceability of the remainder of this Agreement.

13. WAIVER

We may waive any of the terms or conditions of this Agreement but any such waiver shall be effective only on that occasion and shall not be viewed as a continuing waiver on any other occasion.  We can delay enforcing our rights under this Agreement without losing them.

14. SCHEDULE OF FEES

Fees listed are current as of the date of this agreement.  The most current fees will be available on the Website at www.visaprepaidprocessing.com/TrueBlueMoney

List of all Fees for Visa® True Blue® Money Prepaid Debit Card

All Fees

Amount

Details

Monthly Service Fee

 

 

Monthly fee

$4.00

Free in the calendar month of initial purchase (regardless of the date of the purchase) and the next two (2) following calendar months.

Domestic Purchases and Withdrawals

 

 

Per purchase - with cash back

$2.00

Two (2) free per calendar month, fee charged thereafter.

Per purchase - signature POS

$0

 

Per purchase - POS PIN

$0

 

ATM withdrawal

$2.00

Two (2) free per calendar month, fee charged thereafter.

ATM decline

$0

 

ATM balance inquiry

$1.00

Two (2) free per calendar month, fee charged thereafter.

Negative card balance

$0

 

Teller cash withdrawal

$5.00

Cash advance

International Purchases and Withdrawals

 

 

Per purchase with cash back

$3.00

Two (2) free per calendar month, fee charged thereafter. International transaction fee may also apply.

Per purchase - signature POS

$0

International transaction fee may also apply.

Per purchase POS PIN

$0

International transaction fee may also apply.

ATM withdrawal

$3.00

Two (2) free per calendar month, fee charged thereafter. International transaction fee may also apply.

ATM decline

$0

 

ATM balance inquiry

$2.00

Two (2) free per calendar month, fee charged thereafter.

Teller cash withdrawal

$5.00

Cash advance

International transaction - single currency conversion

2%

For purchase of goods or services. Fee charged as a percentage (%) of the transaction amount.

International transaction – multiple currency conversion

2%

For purchase of goods or services. Fee charged as a percentage (%) of the transaction amount.

Customer Service

 

 

Automated customer service inquiry

$0.50

Two (2) free per calendar month, fee charged thereafter.

Live customer service inquiry

$10.00

Two (2) free calls for the life of the account, fee charged thereafter.

Live customer service statement print

$5.00

Fee is per statement. Statements are available online at no cost.

Text message alerts

$0

Carrier charges may apply.

Card Reloads

 

 

Cash reload – Capitol Federal branch location

$0

 

Cash reload - Visa ReadyLink

$6.95

No cost to reload True Blue Money Prepaid Debit cards at branch locations. Fee represents highest cost associated with ReadyLink locations, costs will vary by location. Fee is accurate as of 12/31/2017.

Ingo remote deposit capture card reload

5%

Ten (10) day delayed funding, no cost. 2% for payroll and government checks with a preprinted signature, with a minimum fee of $5.00. 5% for all other accepted check types, including hand-signed payroll and government checks, with a minimum fee of $5.00.

Card Services

 

 

Card purchase first class shipping

$5.00

No cost to purchase True Blue Money Prepaid Debit Cards in branch locations.

Card purchase express delivery

$25.00

No cost to purchase True Blue Money Prepaid Debit Cards in branch locations.

Expired card reissuance

$0

 

Emergency Card Replacement (ECR) - domestic

$25.00

 

Emergency Card Replacement (ECR) - international

$35.00

 

Card Unload

 

 

Card unload/card cancellation

$10.00

Free after 6 months from initial purchase.

Inactive Accounts

 

 

Inactive account

$0

 


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ATM SAFETY

For your personal safety, please exercise care and discretion when using an ATM.  The following suggestions may be helpful.

                     When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM, particularly if it is after sunset.  If you notice any such activity, do not attempt to use that location and leave the area immediately.

                     If you notice anything suspicious or if any other problem arises while you already are at an ATM, you may want to cancel your transaction and leave the area immediately.

                     At night, be sure that the facility (including the parking area and walkways) is well lighted.

                     Consider having someone accompany you when you use the facility, especially after sunset.

                     Don’t accept assistance from anyone you don’t know when using an ATM.

                     Don’t display your cash; put it away as soon as your ATM transaction is complete and count the cash later in the safety of your car or home.

                     At a drive-up facility, make sure all car doors are locked and all windows are rolled up, except the driver’s window. Keep the engine running and remain alert to your surroundings.