Vault Visa Payroll Card

Fee Information

Summary of fees for Vault Visa® Payroll Card

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

  • Monthly fee

  • Per purchase

  • ATM withdrawal

    $0 in-network
    $2.50 out-of-network
  • Cash reload

Type of fee Amount
ATM balance inquiry (in-network or out-of-network) $0
Customer service (automated or live agent) $0
Inactivity (after 12 months with no transactions) $2.95* per month
We also charge 3 other types of fees.

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

No overdraft/credit feature.
Your account is eligible for FDIC insurance.

For general information about prepaid accounts, visit

Find details and conditions for all fees and services in the Cardholder Agreement

The Vault Visa® Payroll Card is issued by The Bancorp Bank, N.A., Member FDIC. Card can be used everywhere Visa debit cards are accepted.

List of all fees for the Vault Visa® Payroll Card.

Get started
All fees Amount Details
Card purchase $0.00  
Monthly usage
All fees Amount Details
Monthly fee $0.00  
Add money
All fees Amount Details
Direct deposit $0.00 There is no fee to receive direct deposits from your employer(s), or for government benefits, or tax refunds.
Cash reload (Green Dot®) Varies We do not assess a fee for this service. Green Dot may assess a fee of up to $5.95 when reloading your Card at Green Dot reload agents. Fees may vary by reload location and are subject to change. Reload locations may be found at, on the My Vault Card app and at This fee is assessed by the service provider and will not be reflected in your transaction history or periodic statement. Other terms and conditions may apply.
Electronically Load Funds from Approved Checks via third-party (Ingo® Money) $5 or up to 5% This is a third-party fee. There is no fee if you select 10-day funding. If you choose expedited funding, the fee is 2% of the check amount for preprinted payroll and government checks ($5.00 minimum) or 5% of the check amount for all other accepted check types ($5.00 minimum). Fees are subject to change, and other terms and conditions apply. The fee is deducted from the check total prior to loading your Card Account and will not be reflected in your transaction history or periodic statement.

INGO Money available May 2023
Spend Money
All fees Amount Details
Shopping or paying bills online with your card $0.00 Make purchases in-store, online or by phone using your Card.
Get cash
All fees Amount Details
ATM Cash Withdrawal Domestic (In-Network) $0.00 No fee for ATM withdrawals at any in-network ATM (Allpoint) in the 50 U.S. states, Washington DC and Puerto Rico. Find in-network ATMs at, in the My Vault Card app or at
ATM Cash Withdrawal Fee - Domestic $2.50 Each out-of-network ATM withdrawal in the 50 U.S. states, District of Columbia, a U.S. Territory, U.S. military base, U.S. embassy, or a U.S. Consulate ("Domestic Area") will incur a fee. Other third-parties, such as the ATM operator, may charge additional fees.
Cash back with purchase $0.00 At retailers that allow this service. Retailer may charge a fee for this service and may limit the amount of cash that can be received.
Over-the-Counter cash withdrawal at a Visa member bank $0.00 Over-the-counter teller cash withdrawals at Visa member banks.
ATM decline fee $0.00 No fee for declined ATM withdrawals.
All fees Amount Details
Online and mobile app account management $0.00 Manage your account at or download the My Vault Card mobile app from your mobile device app store. Standard data rates and service carrier fees may apply.
Customer service $0.00 Call 1-888-333-4698 for 24/7 live agent and automated customer service assistance
ATM balance inquiry $0.00 We do not assess a fee to check your Card balance at an ATM. For Out-of-Network ATMs, you may be charged a fee by the ATM operator.
Statement Copy Request $0.00 Statement copy sent to you by mail by a customer service representative.
Cardholder notifications $0.00 For email, text message and in-app notifications of account alerts (message and data fees from your carrier may apply)
International Use
All fees Amount Details
ATM Cash Withdrawal Fee - Foreign $2.50 Fee for cash withdrawals conducted at an ATM outside Domestic Area, plus the 3% International Transaction Fee. The ATM owner may charge fees of their own which would also be subject to the 3% International Transaction Fee.
International Transaction Fee 3% Fee for purchases, ATM withdrawals and over-the-counter cash withdrawals conducted outside Domestic Area (percent based on total U.S. dollar transaction amount). The fee will also apply if you are in the Domestic Area and the merchant is not a Domestic Area merchant, and transactions made outside of the Domestic Area are also subject to this International Transaction Fee even if they are completed in U.S. currency.
All fees Amount Details
Replacement Card Fee $5.00 One (1) free Card replacement per calendar year. Each additional Card replacement per calendar year will incur a fee. A Card reported lost/stolen will be closed and locked to help prevent unauthorized transactions. You must activate the new replacement Card in order to use. Includes free standard shipping (7-10 business days). See below for express delivery fee.
Express Delivery Fee $25.00 Fee for express delivery for replacement Card orders (2-3 business days).
Card to Linked Account Transfer $0.00 We do not charge a fee to perform a transfer to your Linked Account.
Inactive Account Fee $2.95 Fee will be assessed each month in which there has not been a cardholder-initiated, balance changing transaction in the preceding 12 months. You may avoid this fee by conducting at least one balance changing transaction every 12 months. For cardholders in Hawaii, Minnesota, Montana, New York and Texas, this fee is waived.

Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to The Bancorp Bank, N.A. an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event The Bancorp Bank, N.A., fails, if specific deposit insurance requirements are met. See for details.

No overdraft/credit feature.

Contact Vault Visa Payroll Card by calling 1-888-333-4698, by mail at Vault Visa Payroll Card, Cardholder Services Center, PO Box 636001, Highlands Ranch, CO 80163-6001, or visit or the My Vault Card app (if accessible to you).

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

The Vault card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and card can be used everywhere Visa debit cards are accepted.