To make it easier for every MyVanilla Card subscriber, we have listed down the fee structure and provided a description to help the users learn what they are charged using MyVanilla Prepaid Debit Card. Go through it.
MyVanilla Card Monthly Fee/Account Maintenance Fees/Transaction Fees
| Item |
Fee |
Description |
| Monthly Fee |
No monthly fee is charged on MyVanilla Card. |
|
| Dormancy Fee |
$3.95 per month |
This fee is charged if no activity (including purchase transactions, cash withdrawals, addition of funds to cards, or balance inquiries) is reflected on the account associated with the Card, for 90 days. |
| Signature Purchase Transaction Fee |
$0.95 per transaction |
|
| PIN Debit Purchase Transaction Fee |
$0.95 per transaction |
MyVanilla Debit Card Cash Withdrawals
| Item |
Fee |
Description |
| ATM Cash Withdrawal Fee (Domestic) |
$1.95 |
Charged whenever the Vanilla Card is used to withdraw cash from an ATM situated in the United States. Additional charges may be levied by owners of the ATM for each transaction. |
| ATM Cash Withdrawal Fee (International) |
$4.95 |
Charged whenever the Card is used to withdraw cash from an ATM situated outside the United States. Additional charges may be levied by owners of the ATM for each transaction. |
| ATM Transaction Declined Fee |
$0.75 |
Charged whenever a Card is declined during a transaction at any ATM. |
| Over-the-Counter Cash Withdrawal |
$1.95 |
Adding Money to MyVanilla Card
| Item |
Fee |
Description |
| Direct Deposit |
No additional fee is charged. |
|
| Reload through a VanillaDirect Load retailer |
Up to $3.95 per reload transaction |
Vanilla Reload Network Retailer can charge a fee up to $3.95 for carrying out the transaction, in addition to the amount being loaded on the Card. The transaction fee is not deducted from the Card and has to be paid separately to the retailer.For more details visit the Vanilla Reload Network Retailer section or contact us at 1-855-686-9513. |
| Bank Transfer |
No fee is charged by MyVanilla. Transfer fees may be charged by the bank conducting the transfer. |
Directly transfer funds from your bank account to your Card. |
| Card-to-Card transfer through MyVanilla website (www.myvanillacard.com) |
No additional fee is charged. |
Funds can be transferred from one MyVanilla Card account to another via the official website (https://myvanilladebitcard.site/). |
| Card-to-Card transfer through Customer Care (1-855-686-9513) |
$4.95 |
Funds can be transferred from one MyVanilla Card account to another by calling the Customer Care service at 1-855-686-9513. |
| REmote check Deposit by Third Party- Ingo Money |
5% |
Ingo Money may charge a fee of up to 5% of check value, while cashing a check to load your MyVanilla Card. This fee is not charged by MyVanilla and is subject to change. The mentioned fee is accurate as of 1 May 2019. Fee is deducted from the check value.
Money in Minutes charges 2% for pre-printed payroll or government checks and 5% for all other checks. The minimum value is $5. Customers can head over to ingomoney.com to obtain further information. |
Managing Your MyVanilla Account
| Item |
Fee |
Description |
| Online Account Center |
No additional fee is charged |
|
| MyVanilla App |
No additional fee is charged |
|
| Text Alerts |
No additional fee is charged |
Standard text messaging rates charged by your wireless carrier may apply. Contact your carrier for more details. |
| Customer Care |
No additional fee is charged |
MyVanilla Balance Inquiry
| Item |
Fee |
Description |
| Through official website (www.MyVanillaCard.com) |
No additional fee is charged |
|
| Though MyVanilla App |
No additional fee is charged |
|
| Text Alerts |
No additional fee is charged |
Standard text messaging rates charged by your wireless carrier may apply. Contact your carrier for more details. |
| ATM Balance Enquiry (either in-network or out-of-network) |
$1 per enquiry |
|
| Through automated Customer Care (1-855-686-9513) |
No additional fee is charged |
Miscellaneous
| Item |
Fee |
Description |
| International Transaction |
3.5% of transaction amount |
|
| Paper Statement Fee |
$4.95 per statement |
Fee charged for providing customers with monthly paper statements. |
| Replacement Card Fee |
$6.00 per Card |
Charged for replacing the Card via standard USPS mail services. |
| Replacement Card Fee (Expedited Shipping) |
$21.00 per Card |
|
| Balance Liquidation Fee |
$9.95 |
Charges for mailing a check after your Card account is closed. Customers have to contact MyVanilla to close their Card account. Checked will only be mailed after customers place a request for the same. |
Using MyVanilla Card – Limits
| Item |
Limit |
Description |
| Daily ATM Withdrawal |
$400 |
|
| Monthly ATM Withdrawal (Domestic) |
$2500 |
|
| Monthly ATM Withdrawal (International) |
$2000 |
|
| Maximum limit for daily cash withdrawal, in any combination (ATM, POS, and over-the-counter) |
$5000 |
The maximum cumulative amount allowed to be withdrawn in a single day, in any combination, from an ATM, POS, and/or through a participating bank (over-the-counter withdrawal). |
| Maximum limit for monthly cash withdrawal, in any combination (ATM, POS, and over-the-counter) |
$7500 |
The maximum cumulative amount allowed to be withdrawn in a single month, in any combination, from an ATM, POS, and/or through a participating bank (over-the-counter withdrawal). |
| Pre-authorization Expiration Period |
● 7 days for pay-at-the-pump purchases.
● 30-60 days depending on the type of purchase. |
Merchants offering services with the possibility of gratuity or incidental charges may extract a preauthorization of 20%, on top of your charges.
After the settlement, usually a period of seven days, the leftover amount from the 20% hold will be restored to your available balance. |
Adding Money to Vanilla Card
| Item |
Limit |
| Minimum limit for Direct Deposit (ACH) Load |
$0.01 |
| Maximum limit for Direct Deposit (ACH) Load |
$9999 |
| Maximum limit for VanillaDirect Load |
$500 |
| Maximum frequency for VanillaDirect Load |
5 times per day |
| Maximum daily amount for VanillaDirect Load |
$2500 |
| Maximum monthly limit for VanillaDirect Load |
$5000 |
MyVanilla Card-to-Card Transfer
| Item |
Limit |
Description |
| Daily Transfer |
$500 |
Limit is applicable on both incoming and outgoing card-to-card transfer. |
| Monthly Transfer |
$2000 |
Limit is applicable on both incoming and outgoing card-to-card transfer. |