PayCard Fee Schedule

You do not have to accept this payroll card.
Ask your employer about other ways to receive your wages.

  • Monthly fee

    $0
  • Per purchase

    $0
  • ATM withdrawal

    $0 in-network
    $2 out-of-network
  • Cash reload

    N/A
Type of fee Amount
ATM balance inquiry (in-network or out-of-network) $0 or $0
Customer Service Call (Live Agent or Automated) $0 or $0 per call
Inactivity (after 12 months with no transactions) $5 per month
We have no other types of fees.  

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 inside the package or call 855-477-1136 or visit www.ftb.com/PayCard for First Tennessee Bank; for Capital Bank, call 833-224-5784 or visit www.capitalbank-us.com/PayCard.

List of all fees for PayCard

Get Started
All fees Amount Details
Card Purchase $0
Additional Cardholder $0
Card Activation $0
Monthly Usage
All fees Amount Details
Monthly fee $0
Add Money
All fees Amount Details
Direct deposit $0
Get Cash
All fees Amount Details
ATM Withdrawal In-Network $0 “In-network” refers to the First Tennessee, Capital Bank, Allpoint network. Locations can be found at www.ftb.com/locations and www.capitalbank-us.com/locations.
ATM Withdrawal Out-of-Network $2 This is our fee. We will not charge you this fee for your first out-of-network ATM withdrawal each month. “Out-of-network” refers to all ATMs outside of the First Tennessee, Capital Bank, Allpoint network. You may be charged a fee by the ATM operator even if you do not complete a transaction.
Information
All fees Amount Details
ATM Balance Inquiry In-Network $0 “In-network” refers to the First Tennessee, Capital Bank, Allpoint network. Locations can be found at www.ftb.com/locations and www.capitalbank-us.com/locations.
ATM Balance Inquiry Out-of-Network $0 This is our fee. “Out-of-network” refers to all ATMs outside of the First Tennessee, Capital Bank, Allpoint network. You may be charged a fee by the ATM operator.
Customer Service - Automated $0
Customer Service - Live Agent $0
Using Your Card Outside the U.S.
All fees Amount Details
International Transaction 1% Of the U.S. dollar amount of each multi-currency transaction.
International Transaction Fee – SC 1% Of the U.S. dollar amount of each single-currency transaction.
International ATM Withdrawal In-Network $0 Currently, we do not have “in-network” international ATMs.
International ATM Withdrawal Out-of-Network $2 This is our fee. We will not charge you this fee for your first out-of-network ATM withdrawal each month. “Out-of-Network” refers to all ATMs outside of the First Tennessee, Capital Bank, Allpoint network. You may be charged a fee by the ATM operator even if you do not complete a transaction.
International ATM Balance Inquiry In-Network $0 Currently, we do not have “in-network” international ATMs.
International ATM Balance Inquiry Out-of-Network $0 This is our fee. “Out-of-network” refers to all ATMs outside of the First Tennessee, Capital Bank, Allpoint network. You may be charged a fee by the ATM operator.
Other
All fees Amount Details
Inactivity $5 You will be charged $5.00 each month after you have not completed a transaction using your card for 12 months.
Replacement – Lost/Stolen $5 A replacement fee of $5.00 will be deducted from your available card balance for mailed cards to replace a lost or stolen card. Cards reissued due to expiration are not subject to the card replacement fee.
Card Replacement $5 A replacement fee of $5.00 will be deducted from your available card balance for mailed cards to replace a card or damaged card. Cards reissued due to expiration are not subject to the card replacement fee.
Instant Issue Replacement - Lost/Stolen $7 A replacement fee of $7.00 will be deducted from your available card balance for instant issue cards to replace a card or damaged card. Cards reissued due to expiration are not subject to the card replacement fee.
Instant Issue Card Replacement $7 A replacement fee of $7.00 will be deducted from your available card balance for instant issue cards to replace a lost, stolen, or damaged card. Cards reissued due to expiration are not subject to the card replacement fee.
Expedited Delivery – Replacement $25 2-day delivery. Applies to deliveries inside and outside the U.S.

Your funds are eligible for FDIC insurance.

No overdraft/credit feature.

Contact First Tennessee Bank by calling 855-477-1136 or visiting www.ftb.com/PayCard, and for Capital Bank, call 833-224-5784 or visit www.capitalbank-us.com/PayCard; or mail PO Box 84, Memphis, TN 38101.

For general information about prepaid accounts, visit www.consumerfinance.gov/prepaid.. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit www.consumerfinance.gov/complaint.