My Vanilla is a type of prepaid debit card that is either available in MasterCard or in Visa. You can manage your cash wisely and quickly. You don’t need a bank account or credit check to acquire this card. It can be accepted anywhere where the debit card is accepted. You can even pay online telephone bills, fuel bills and other types of bill using MyVanilla card.
In simple words, MyVanilla debit card gives you the flexibility across the world all while keeping your account conveniently and safely at your fingertips. You can use this card to make money management easier by helping yourself you track your spending and monitor your expenses.
MyVanilla Card Free Direct Deposit
- You can automatically load your payroll, government benefits or tax returns in your MyVanilla Card.
- There is no check-cashing fee or long queues on payday.
- You can get your funds faster saving a lot or time.
It gives you faster access to your funds as compared to paper check if you are having your payroll, tax returns or government benefits directly linked to it.
How to Add Money to MyVanilla Debit Card?
There are two methods to add funds to MyVanilla Prepaid Debit card. These are as follows:
- VanillaDirect Load: You can add cash quickly with VanillaDirect Load having access to thousands of locations across the nation. All you have to do is find a VanillaDirect Load retailer near you and get the card recharged from there.
- Walmart Rapid Reload: Reloading MyVanilla Card at a Walmart store is easy. You can load the cash directly to your Vanilla Card at the register. All you need to do is visit a participating Walmart location to swipe and load.
Adding funds to MyVanilla Debit Card via VanillaDirect Load
Firstly, you must find the participating VanillaDirect Load retailers near your location so that you can enjoy the convenience of adding funds to your card.
- Once you have located the retailer, get your prepaid card and cash there.
- Provide your card and cash to the cashier.
- As cashier rings up the sale, the funds are directly transferred to your MyVanilla Prepaid card.
Finding VanillaDirect Load Retailers Near You
The VanillaDirect Load retailers are across the nation and you can easily find them using the above link. Some of the popular retailers are as follows:
- CVS Pharmacy
- Dollar General
- Rite Aid Pharmacy
- Shop Rite
Prepaid Card Partners
VanillaDirect Load has partnered with some of the nation’s top-rated prepaid programs.
- H&R Block
- Money Network
How to Pay your Bills with VanillaDirect Pay?
You can either try the app available of Google PlayStore and Apple AppStore or use the web interface to pay bills with VanillaDirect Pay. VanillaDirect Pay is an easy and convenient way to pay your bills with cash. Bills such as phone, cable, healthcare, gas, water and many more can be paid. It makes it easy for you to walk-in bill payments to over 10,000 billers at more than 40,000 retail stores just like Family Dollar, Dollar General and more. You will receive a barcode with VanillaDirect Pay that is linked with each billing account. This makes it easy for you to pay multiple bills simultaneously when you are in and out of the location.
Paying Bills through VanillaDirect Pay App
VanillaDirect Pay App stores your billing information along with payment history and e-receipts for recurring use and personal bill pay tracking. You just need to download this app and register. Follow these steps once the app has been installed on your phone and you have registered successfully.
- Search your biller by name.
- Choose the biller.
- Now, enter the requested account info.
- Confirm your account info.
- You will receive a barcode for cash billing.
- Find a VanillaDirect Pay Retailer near you using geo-locator.
- Go to the store and present the barcode to the cashier that needs to be scanned with your cash to pay the bill.
MyVanilla Prepaid Debit Card Fees and Limits
Here is the table for MyVanilla Card monthly fee/account maintenance fees/transaction fees
|Dormancy Fee||$3.95 / month||Dormancy fee is applied if your prepaid card account doesn’t reflect the activity (including purchase transactions, addition of funds to your card, cash withdrawals, or balance inquiries) during prior 90 days.|
|Signature Purchase Transaction Fee||$0.95 / transaction|
|PIN Debit Purchase Transaction Fee||$0.95 / transaction|
|Domestic ATM Cash Withdrawal Fee||S1.95||The fee incurred when cash withdrawal happens from an ATM located in the United States. The card owner might be charged for each transaction.|
|International ATM Cash Withdrawal Fee||$4.95||The fee incurred when cash withdrawal happens from an ATM not located in the United States. The card owner might be charged for each transaction.|
|ATM Transaction Decline Fee||S0.75||The fee incurred when cash withdrawal transaction is declined.|
|Over the Counter Cash Withdrawal||S1.95|
Adding Money to your MyVanilla Prepaid Card
|Reload at a VanillaDirect Load retailer||Up to $3.95 per reload transaction||Each Vanilla Reload Network Retailer may charge a transaction fee of up to $3.95, plus the amount being loaded.|
|Bank Transfer||None (transfer fee from originating bank may apply)||Transferring funds from bank account to card.|
|Card to Card transfers via the MyVanilla website (www.myvanillacard.com)||None||Transferring funds from one MyVanilla Card to another through website.|
|Card to Card transfer via Customer Care (1-855-686-9513)||$4.95||Transferring funds from one MyVanilla Card to another by making a call to customer care.|
|Remote Check Deposit (Third-Party) Ingo Money||5%||This is not MyVanilla’s fee and is subject to change, accurate as of May 1, 2019. Money in 10 Days – no fee. Fee of up to 5% of check value may apply when cashing a check to load your card at Ingo Money. Money in Minutes – 2% or 5%, minimum $5.00. Fee is deducted from check value.|
Managing your MyVanilla Account
|Online Account center||None|
|Text Alerts||None||Standard text messaging rates might apply.|
|Via MyVanilla App||None|
|Via Text Alerts||None||Standard text messaging rates might apply.|
|Via Customer Care (1-855-686-9513)||None|
|Via ATM||$1 / inquiry|
|International Transaction||3.5% of transaction amount|
|Paper Statement Fee||$4.95 / statement||Fee incurred in case of monthly paper statements.|
|Replacement Card Fee||$6 / per card||Via standard USPS mail.|
|Replacement Card Fee (Expedited Shipping)||$21 / card|
|Balance Liquidation Fee||$9.95||Incurred on mailing a check to close your card account.|
Using your MyVanilla Debit Card
|Daily ATM Withdrawal||$400|
|Monthly Domestic ATM Withdrawal||$2,500|
|Monthly International ATM Withdrawal||$2,000|
|Daily maximum cash withdrawal in any combination from ATM, POS, and over-the-counter||$5,000||Maximum amount that can be withdrawn in a day.|
|Monthly maximum cash withdrawal in any combination from ATM, POS, and over-the-counter||$7,500||Maximum amount that can be withdrawn in a month.|
|Monthly maximum cash withdrawal in any combination from ATM, POS, and over-the-counter||7 days (for pay-at-the-pump purchases), 30-60 days (depending on purchase type)||Merchants offering services where incidental or gratuity charges may occur may place a preauthorization amount of 20% in excess of your charges. After the settlement, usually within 7 days, any extra 20% hold will be restored to your available balance.|
Adding Money to your MyVanilla Prepaid Debit Card
|Minimum Direct Deposit (ACH) Load Amount||$0.01|
|Maximum Direct Deposit (ACH) Load Amount||$9,999|
|Maximum VanillaDirect Load Amount||$500|
|Maximum VanillaDirect Load frequency||5 / day|
|Maximum Daily VanillaDirect Load Amount||$2,500|
|Maximum Monthly VanillaDirect Load Amount||$5,000|
Adding Money to your MyVanilla Prepaid Debit Card
|Daily Card-to-Card Transfer||$500||Limit applies to incoming and outgoing card-to-card transfers|
|Monthly Card-to-Card Transfer||$2,000||Limit applies to incoming and outgoing card-to-card transfers|
MyVanilla ATM Access
You can access your funds at millions of the ATMs across the world. By using MoneyPass Network ATM, you are exempt from the surcharge fee. With MyVanilla ATM card, fast cash is at your fingertips.
MyVanilla Mobile App
MyVanilla mobile app is really fast and secure. To access MyVanilla Prepaid Visa Card and manage your account. Spending your money and managing your money through this app becomes easy. Your account is at your fingertips. You can download MyVanilla App from Google PlayStore and Apple AppStore. All cards such as MyVanilla Prepaid Visa Card, MyVanilla Prepaid Mastercard can be handled using this app. MyVanilla Prepaid Debit Card can be added to Samsung Pay, Apple Pay, Google Pay and Fitbit Pay easily.
MyVanilla Gift Cards
You can easily buy Visa gift cards. These are basically the Vanilla gift cards that can be sent via email or plastic gift card via. There are a number of designs to choose from and gift it to someone making them smile. Get your MyVanilla Gift Card today!