Does My 401(play) MasterCard or VFA Have Any Fees?
Your 401(play) Prepaid Debit MasterCard and Vacation Funding Account (VFA) will have some fees for certain transactions. See the list below.
401(play) Customer Success Guru
Last Update há 5 meses
Your 401(play)-branded MasterCard is designed to be simple and low-cost to use! While the majority of your transactional use of the 401(play) MasterCard and (attached VFA) has no fees, we're providing a breakdown of all VFA and MasterCard account fees from the Cardholder Agreement of our financial partner, Juice Financial.
No everyday usage fees:
Most of the ways you use your card every day are fee-free:
- No monthly fee
- No purchase (swipe) fees
- No fee for in-network ATM withdrawals
- No fee for customer service (automated or live agent)
Some fees depend on how you use your card. Here are the most common ones to be aware of:
- Out-of-network ATM withdrawals: $2.00 per withdrawal, plus any fees charged by the ATM operator
- Cash reloads: Up to $4.95 per transaction (third-party fee)
- ATM balance inquiries: $1.00 per inquiry
- Bill payments: $1.00 per transaction
- ACH transfers (moving money out): $2.50 per transaction
These fees only apply in specific situations:
- Inactivity fee: $3.95 per month after 180 days with no transactions
- International transactions: Up to 2% of the transaction amount
- International ATM withdrawals: $4.95 per withdrawal
- ATM decline: $1.00 per declined transaction
- Replacement card: First replacement may be free; additional replacements are $4.95 (or $20 for expedited shipping)
- Paper statement request: $4.95 per request
- Account closure (after 7 days): $10.00
Quick-Reference Tips:
- Your card does not include overdraft protection or credit-card style features (such as balance carrying or
- Avoid ATM fees by always using an in-network Allpoint ATM (free withdrawals and balance inquiries).
- Avoid the inactivity fee by making at least one transaction (deposit/withdrawal/purchase) every 180 days.
- Avoid the paper statement fee by accessing your account digitally within the 401(play) app or at https://go.getjuicecard.com/login
- Avoid the card/account closure fee by requesting closure within 7 days of card activation or by spending-down the balance to $0.00.
- International transactions are automatically converted using MasterCard's exchange rate; combined processing fees can reach up to 2%.
- Maximum card balance is $25,000.00 at any time.
Account & Card Management Fees:
| FEE TYPE: | AMOUNT: | DETAILS: |
|---|---|---|
| Monthly Fee | $0.00 | No charge to open, fund, and maintain your 401(play) Vacation Funding Account (VFA) and debit MasterCard! |
| Card Purchase / Activation / Registration | $0.00 | No charge to get started using your 401(play) MasterCard! |
| Inactivity Fee | $3.95/month | Charged after 180 consecutive days with no transactions. Fee ends once new activity occurs, and the day-count restarts. |
| Closure Fee | $10.00 | Charged when closing your account and receiving remaining funds via paper check. Waived if closed within 7 calendar days of activation. No fee for spending-down the account to $0.00 prior to closure. |
| Standard Replacement Card | $4.95 | One free replacement per year; this fee applies after that. Delivery takes 7 to 10 business days. |
| Expedited Replacement Card | $20.00 | As above, but card arrives within 2 to 3 business days. |
| Paper Statement | $4.95/request | Electronic statements via the 401(play) app or Juice Financial website are always free. |
Loading, Transferring & Spending Fees:
| FEE TYPE: | AMOUNT: | DETAILS: |
|---|---|---|
| Payroll Deduction or Contribution / Bank-to-Card Transfer | $0.00 | No charge to move money into your account using these methods! |
| 401(play) Card to 401(play) Card (sending or receiving) | $0.00 | No charge for transfers between 401(play) MasterCard cardholders! |
| POS (Point-0f-Sale) Purchases (USA, PIN or Signature, approved or declined) | $0.00 | No charge for any standard domestic point-of-sale transaction at merchants or services. |
| Cash Reload | $4.95 | Third-party fee charged by GreenDot at retail reload locations. Fee may vary. |
| Juice Card to External Card Transfer | 1% (min $1.50 / max $7.50) | Charged when sending funds to another financial institution. No fee to receive. |
| ACH Unload | $2.50 | Per transaction. Third-party fees may also apply. |
| Bill Pay | $1.00 | Per transaction. Each payment must be scheduled and authorized separately. |
ATM & International Fees:
| FEE TYPE: | AMOUNT: | DETAILS: |
|---|---|---|
| ATM Withdrawal (US, In-Network (Allpoint)) | $0.00 | Free at all Allpoint network ATMs. Locate one at allpointnetwork.com. |
| Bank Teller Withdrawal | $0.00 | No 401(play)/Juice Financial fee. Third-party fees and limitations may apply. |
| ATM Withdrawal (US, Out-of-Network) | $2.00 | Per transaction, plus any additional fee charged by the ATM operator. |
| ATM Withdrawal Decline (US, In- or Out-of-Network) | $1.00 | Charged each time a withdrawal attempt is declined. |
| ATM Balance Inquiry (In-Network or Out-of-Network) | $1.00 | Per inquiry. Check your balance for free anytime via the app or by calling customer service. |
| International POS Purchase (PIN or Signature) | up to 2% (of transaction amount) | Applies to purchases made outside the USA or in a non-USD currency. Includes MasterCard and other bank processing charges. |
| International POS Purchase Declined (PIN or Signature) | $0.00 | No 401(play)/Juice Financial fee. Third-party fees may apply. |
| ATM Withdrawal (International) | $4.95 | Per transaction, plus any fee charged by the ATM operator or network. |
| ATM Withdrawal Decline (International) | $1.00 | Charged each time an international ATM withdrawal is declined. |
| ATM Balance Inquiry (International) | $1.00 | Per inquiry, plus any fee from the ATM operator or network. |
For more information about using your 401(play) MasterCard, please see
the 401(play)/Juice Financial Cardholder Agreement help topic HERE.