Fee Information
Schedule of Bank Fees
Bank Fees for InspiredOpinions Visa Prepaid Card transactions will be charged to your Account as they occur on a daily basis.
Services with no fees
| Purchase Transactions | Fee |
|---|---|
| Purchase at Merchants (signed, using PIN, online, phone, or mail purchases) | No Fee |
| PIN Cash-back with purchase transaction | No Fee |
| ATM Transaction* | |
| Bank of America ATM Withdrawal (in the U.S.) | No Fee |
| ATM Balance Inquiries (all ATMs) | No Fee |
| Declined Transactions (ATMs only) | No Fee |
| Other Services | |
| Online, Automated or Live Customer Service Inquiry | No Fee |
| PIN Changes | No Fee |
Services with fees
| ATM Transactions* | Fee |
|---|---|
| Non-Bank of America ATM Withdrawal (in the U.S.) | $1.75 per transaction |
| ATM Withdrawal International (all ATMs outside the U.S.) | $3.50 per transaction |
| Other Services | |
| Teller Cash Access (Available at financial institutions that accept Visa cards) (Limited to available balance only) | $5.00 per transaction |
| Card Replacement Domestic (in the U.S.) | $5.00 per request |
|
Card Replacement - Express Delivery (additional charge) |
$15.00 per request |
| Card Replacement International (outside the U.S.) | $15.00 per request |
| International Transaction Fee | 3% of U.S. Dollar amount of transaction |
| Mailed Account Statement | $1.00 per statement |
| Check Issuance Upon Account Closure | $5.00 per request |
*ATM owners may impose an additional “convenience fee” or “surcharge fee” for certain ATM transactions (a sign should be posted at the ATM to indicate additional fees); however, you will not be charged any additional convenience or surcharge fees at a Bank of America. A Bank of America ATM means an ATM that prominently displays the Bank of America name and logo. Balance inquiries may not be available at all ATMs outside the U.S.
An ATM Transaction Decline occurs when you request an amount greater than your balance or you incorrectly enter your PIN more than four times.
Note: For any questions related to the above Fee Schedule, please call the Prepaid Card Customer Service Center at (866) 213-8564, (866) 656-5913 TTY, or (423) 262-1650 (Collect, when calling outside the U.S.). For any questions regarding your payment amounts and dates of additions to your Account, please contact Schlesinger Group at (855) 244-0886.
Your funds are eligible for FDIC insurance. Your funds are insured up to $250,000 by the FDIC in the event Bank of America, N.A. fails, if specific deposit insurance requirements are met. See fdic.gov/deposit/deposits/prepaid.html for details. In the event Bank of America, N.A. fails, the FDIC may require information from you, including a government identification number, to determine the amount of your insured deposits. If you do not provide this information to the FDIC access to your insured funds will be delayed.