PREPAID DISCLOSURES

Payroll Card Short Form

You do not have to accept this payroll card.

Monthly fee Per purchase ATM withdrawal Cash reload

$0 $0 $0 in-network 5.95*
$2.75 out-of-network

ATM balance inquiry (in-network or out-of-network) $0 or $2.75

Customer service $0 per call

Inactivity $0

We charge 8 other types of fees. Here are some of them:

ATM decline (in-network or out-of-network) $0 or $2.75*

Transfer to customer bank $3

* This fee can be lower depending on how and where the card is used.

No overdraft/credit feature
Your funds are eligible for FDIC insurance.

For general information about prepaid accounts, visit cfpb.gov/prepaid.

Money Network Service Employer Program and MyMoneyNetwork Program. The Visa Card is issued by MetaBank®, Member FDIC,
pursuant to a license from Visa U.S.A. Inc. The Mastercard Card is issued by MetaBank®, Member FDIC, pursuant to a license from
Mastercard International Incorporated. Card is serviced by Money Network Financial, LLC
 ®
List of all fees (Long Form) for the Money Network Service Employer Program and MyMoneyNetwork Program

My
Employer
All Fees MoneyNetwork Details
Program
Program
Monthly Usage
Account Opening, Check,
and Card Receipt $0.00 $0.00 No fee for Account Opening, Checks, and initial Card.

Not
Monthly Maintenance Fee $5.00 Fee is waived in any Monthly Statement Cycle in which Account loads total $400 or more.
Applicable
Add Money

Payroll Deposit $0.00 $0.00 Funds loaded by your Employer.

Spend Money
Select “Credit” or sign at point-of-sale (POS). Currency Conversion Assessment Fee,
Signature Debit
Transactions $0.00 $0.00 International Service Assessment, and/or Cross Border Assessment may also apply to
International Transactions.
Select "Debit" and enter PIN at POS; cash back option at participating merchants. Currency
PIN Debit Transactions $0.00 $0.00 Conversion Assessment Fee, International Service Assessment, and/or Cross Border
Assessment may also apply to International Transactions.
Participating check cashing locations do not charge fees to cash Money Network Checks. To
find these locations, use the locator on our Mobile App (data rates may apply) or at
®
Money Network Check $0.00 $0.00 moneynetwork.com, or call Customer Service. Non-participating check cashing locations may
charge fees that are not monitored by us. Check cashing locations may also limit the dollar
amount of checks they will cash.
Get Cash or Send Cash
Withdrawal or Decline from ATM that is a part of our network. If you live in CT or IL, we will
ATM Withdrawal Fee or
waive our fee for the first two ATM Declines (In-Network, Out-of-Network, or Non-US) in a
ATM Decline Fee | In- $0.00 $0.00 calendar month. To find in-network ATMs, use the locator on our Mobile App (data rates may
Network
apply) or at moneynetwork.com, or call Customer Service.
ATM Withdrawal Fee| Out-
This is our fee. If you live in CT or IL, we will waive our fee for the first two ATM Declines (In-
of-Network
ATM Decline Fee | Out-of-
$2.75 $2.75 Network, Out-of-Network, or Non-US) in a calendar month. You may also be charged a fee by
the ATM operator, even if you do not complete a transaction.
Network
At banks displaying the card association logo on the front side of your Card. This is our fee. You
Bank Teller Over the may also be charged a fee by the bank. Currency Conversion Assessment Fee, International
Counter Cash Withdrawal $0.00 $0.00 Service Assessment, and/or Cross Border Assessment may also apply to International
Transactions.
Transfer to Customer Bank Domestic ACH transactions are subject to additional terms that are disclosed when a
Fee (ACH) $3.00 $3.00 transaction is initiated.
This transaction allows you to transfer funds via ACH to an international bank account. We
charge transfer fees consisting of a flat fee of up to $7.00 plus a mark-up on the exchange rate
of up to 3.5%. The transfer fees may be less depending on the amount transferred and market
$7.00 plus $7.00 plus conditions. Applicable transfer taxes will also be charged. The exact amount of transfer fees and
transfer taxes charged by us will be disclosed to you before you complete the transaction. Your
International ACH 3.5% of the 3.5% of the transaction is subject to an exchange rate conversion, and may be subject to additional fees
Withdrawal Fee exchange exchange and taxes, from 3rd parties. Recipient's financial institution may also charge fees and taxes. We
rate rate do not monitor exchange rates or fees established by 3rd parties and these amounts are subject
to change. These transactions are subject to additional terms that are disclosed when a
transaction is initiated. See Website for more information. You may call Customer Service for
assistance.
Information
You may also obtain account activity without a fee via Mobile App (data rates may apply),
Monthly Paper Statement $0.00 $0.00 moneynetwork.com, or Customer Service.
Customer Service $0.00 $0.00 24/7 toll free Account access, including account balance inquiries.
ATM Balance Inquiry Fee | To find in-network ATMs, use the locator on our Mobile App (data rates may apply) or at
In-Network $0.00 $0.00 moneynetwork.com, or call Customer Service.
ATM Balance Inquiry Fee | This is our fee. You may also be charged a fee by the ATM operator, even if you do not
Out-of-Network $2.75 $2.75 complete a transaction.
Using Your Card Outside the U.S. (International Transactions)
ATM Withdrawal INT Fee
This is our fee. If you live in CT or IL, we will waive our fee for the first two ATM Declines (In-
(Non-U.S.)
Network, Out-of-Network, or Non-US) in a calendar month. You may also be charged a fee by
ATM Decline INT Fee (Non-
U.S.) $2.50 $2.50 the ATM operator, even if you do not complete a transaction. Currency Conversion Assessment
Fee, International Service Assessment, and/or Cross Border Assessment may also apply to
ATM Balance Inquiry INT
these transactions.
Fee (Non-U.S.)
Visa International Service
Assessment (applies if
transaction is initiated in
non-U.S. dollars and a
Of the U.S. dollar amount of each International Transaction made with a Visa branded card.
currency conversion rate
Only one of these fees may apply to your transaction and be assessed. See Using Your
applies)
or Visa Cross Border 2.0% / 0.8% 2.0% / 0.8% Account and Card - International Transactions in your Agreement's terms and conditions for
additional information. Transaction fees on your statement will include these fees if they apply to
Assessment (applies if
your transaction.
transaction is initiated in
U.S. dollars by a merchant
with a non-U.S. country
Code)
Mastercard Currency
Conversion Assessment
Fee (applies if transaction is Of the U.S. dollar amount of each International Transaction made with a Mastercard branded
initiated in non-U.S. dollars) card. Either or both of these fees may apply to your transaction and be assessed. See Using
and/or Mastercard Cross 0.2% / 2.0% 0.2% / 2.0% Your Account and Card - International Transactions in your Agreement's terms and conditions
Border Assessment Fee for additional information. Transaction fees on your statement will include these fees if they
(applies if transaction is apply to your transaction.
initiated with merchant with
non-U.S. country code)
Other
Reissuance of Lost/Stolen Reissued Card shipped via U.S. mail 7-10 business days after order placed. One replacement
Card $5.00 $5.00 Card provided at no charge each calendar year.
Additional fee to ship replacement Card 4-7 business days after order placed. Reissuance of
Priority Shipping Fee $10.00 $10.00 Card Fee also applies.
Request Secondary
Account $0.00 $0.00 Request an additional account for family or dependents.
Transfer Funds to
Secondary Account $0.00 $0.00 Transfer of funds to Secondary Account.
Money Network Check
Stock Order $0.00 $0.00 Shipped 7-10 business days after order placed. Up to 30 checks per order.

3rd Party Fees (We do not charge you these fees.)

3rd party fees, known to be up to $5.95 as of 8/15/2018, may apply when reloading your Card at
Cash Deposit at Reload
Provider $5.95 $5.95 reload providers. To find reload providers, use the locator on our Mobile App (data rates may
apply) or at moneynetwork.com, or call Customer Service.
Deposit Check Funds via
Mobile App | Standard $0.00 $0.00

A 3rd party provides this service subject to its enrollment process, terms, conditions, fees, and
privacy policy. Checks are subject to the 3rd party’s approval in their sole discretion; dollar limits
and other restrictions apply. Approved checks are loaded net of applicable fees. Expedited
Deposit Check Funds via Greater of: Service: 3rd party fees are 1% of approved check amount for preprinted payroll & government
Mobile App | Expedited
• Preprinted payroll &
• 1% or Greater of: checks and 4% of approved check amount for other check types, with a $5 minimum fee. 3rd
government checks $5.00 • 1% or $5.00 party approval process usually takes 3-5 minutes but may take an hour. Most issuers post funds
within 24 hours. Standard Service: No 3rd party fee for 10 days delayed funding. See Mobile
• Other check types • 4% or • 4% or $5.00 App (message and data rates may apply) for more information.
$5.00

Additional Disclosures

Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to MetaBank®, an FDIC-insured institution. Once there, your funds are insured up to
$250,000 by the FDIC in the event MetaBank fails, if specific deposit insurance requirements are met. See fdic.gov/deposit/deposits/prepaid.html for details.
No overdraft/credit feature.
Contact Customer Service by calling 888-913-0900, by mail at 5565 Glenridge Connector N.E., Mail Stop GH-52, Atlanta, GA 30342, or visit moneynetwork.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.

©2019 Money Network Financial, LLC. All rights reserved. All other trademarks, service marks, and trade names referenced in these materials are the property of
their respective owners. META D1P 18/9