There is no monthly fee, but a dormancy fee of $3.95 will apply if the card is not used for a period spanning 90 days. Direct deposit: If your employer offers direct deposit, you can have your paycheck sent directly to your card.Text and email alerts: You can opt-in to receive text and email alerts about account updates.Cash back at the point of sale: A $1.95 fee applies for over-the-counter cash back transactions.FDIC Insurance: The card's balance is insured through The Bancorp Bank, which is an FDIC member.Transfers are limited to $500 daily and $2,000 monthly. Card-to-card transfer: Funds can be transferred between Vanilla Visa products.If the card is declined, a $0.75 fee will be assessed. The fee is $4.95 for international transactions. ATM access: A $1.95 fee applies for domestic transactions.Online bill payment: The card has both recurring and automatic online bill payment capabilities.It is also accompanied by free direct deposit and an array of other benefits, including:

The maximum daily and monthly reload amounts are $2,500 and $5,000, respectively. Unlike the other Vanilla Visa products, this card is customized with the holder's name and can be reloaded using Vanilla Reload or Walmart Rapid Reload. The MyVanilla Personal Reloadable Visa Card is a money-management tool designed to be a plastic alternative to a traditional bank account rather than a gift card.

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