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Options for Managing Your Money

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Hand holding cards

A Visa® prepaid debit card from Opt+® means freedom and security. Everyone starts with a Pay As You Go account, and then you can upgrade to a Monthly, or Direct Deposit account at any time!

Pay As You Go

For the Limited Spender

Avoid the monthly fee. Instead, only pay when you use the card and only spend what you load. This means no overdraft fees for attempted purchases beyond your card balance.

If you only plan to use your card less than 4-8 times per month, then look no further. All new members start out with this card plan.

  • No monthly fee
  • Avoid overdraft fees on purchases
  • Great for less frequent card users

Monthly

For the Frequent User

One monthly fee - use as often as you need! Both signature purchases and PIN purchases are fee free too. For those of you who don’t have the option of direct deposit but plan to use this card 8 times or more per month, this is your go-to option.

  • Monthly fee of $8.95
  • Unlimited transaction use
  • Great for frequent card users without direct deposit

Direct Deposit

For the All-In-One Cardholder

Get paid up to 2 days days early(2) via direct deposit. Secure, quick access to your paycheck, plus you don't have to pay a fee to cash your paycheck anywhere! This card also offers signature purchases and PIN purchases at no charge.

If you liked the Monthly option above and your employer or benefits office offers direct deposit, this may be the card for you.

  • Monthly fee of $5.95 - waived with $1,000+/month of direct deposits!
  • Unlimited transaction use
  • Great for frequent card users who want faster access to their paycheck

Card Fees Breakdown*

Pay As You Go

Monthly

Direct Deposit

Activation Fee

$0

$0

$0

Monthly Card Fee

$0

$8.95

$5.95**

Debit Purchases

$1.00

$0

$0

Signature Purchases

$1.00

$0

$0

ATM Fee

No fee at any Speedy Cash or Rapid Cash store location

ATM Balance Inquiry

$0.50

$0.50

$0

*See Terms & Conditions for full schedule of all fees and charges.

**Fee waived with $1,000+/month of direct deposits

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Opt+® is a registered trademark of Attain Finance, LLC

The Program Manager for the Opt+® Prepaid Visa® Debit Card is Attain Finance, LLC

Issuer Statement: The Opt+ Prepaid Visa Debit Card is issued by Axiom Bank, N.A. (Member FDIC) or Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa U.S.A. Inc. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank ©2014. BY USING THIS CARD YOU AGREE TO THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY.

Important information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a card account. What this means for you: When you open a card account, we will ask for your name, address, date of birth, social security number or country identification number, and other information that will allow us to identify you. We may also request a copy of your driver’s license or other documentation bearing your photo as verification of your identity. Currently, we do not issue the Opt+ Card to residents of Puerto Rico, Guam, the Virgin Islands, American Samoa, or other US territories.

1Ingo Money® is a third party service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.

2Timing of direct deposit posting depends on when we get notice from the payor and may vary from deposit period to deposit period.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. Data rates may apply.

Opt+ may make phone calls or deliver SMS text messages to your phone number based on your account settings. To view details, please refer to the Phone Terms of Use and the SMS Terms of Use