Required Disclosures and Fee Schedule
U.S. Bank program number: 87265213
You have options as to how you receive your payments, including direct deposit to your bank account or this prepaid card. Ask your employer for available options and select your option.
We charge 4 other types of fees.
*This fee can be lower or charged differently depending on how and where this card is used and your state of employment or residence.
See the accompanying Fee Schedule for free ways to access your funds and balance information.
No overdraft/credit feature.
Your funds are eligible for FDIC insurance.
Rate schedule
All fees
Amount
Details
Add money
This is not our fee and is subject to change. 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% (pre-printed payroll or gov't checks) or 5% (all other checks), minimum $5.00. Money in 10 Days - no fee. Fee is deducted from check value. Go to ingomoney.com for more information.
Third party fee may apply when reloading your card at a Visa Readylink network. Fee is paid to third party at the time of reload. Go to usa.visa.com/pay-with-visa/cards/services-locator.html for locations.
This is not our fee and is subject to change. Fee of up to $5.95 may apply when reloading your card at GreenDot. Fee is paid toThis is not our fee and is subject to change. Fee of up to $5.95 may apply when reloading your card at GreenDot. Fee is paid to third party at the time of reload. Go to greendot.com for more information. third party at the time of reload. Go to greendot.com for more information.
Get cash
(in-network)
This is our fee per withdrawal. “In-network” refers to the U.S. Bank or MoneyPass or Allpoint ATM networks. Locations can be found at usbank.com/locations or moneypass.com/atm-locator or allpointnetwork.com.
(out-of-network)
This is our fee per withdrawal. “Out-of-network” refers to all the ATMs outside of the U.S. Bank or MoneyPass or Allpoint ATM networks. You may also be charged a fee by the ATM operator even if you do not complete a transaction.
Withdrawal
This is our fee for when you withdraw cash from your card from a teller at a bank or credit union that accepts Visa®.
Information
Inquiry (innetwork)
This is our fee per inquiry. “In-network” refers to the U.S. Bank or MoneyPass or Allpoint ATM networks. Locations can be found at usbank.com/locations or moneypass.com/atm-locator or allpointnetwork.com.
This is our fee per inquiry. “Out-of-network” refers to all the ATMs outside of the U.S. Bank or MoneyPass or Allpoint ATM networks. You may also be charged a fee by the ATM operator.
Using your card outside the U.S.
This is our fee which applies when you use your card for purchases at foreign merchants and for cash withdrawals from foreign ATMs and is a percentage of the transaction dollar amount, after any currency conversion. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable network rules, and we do not control how these merchants, ATMs and transactions are classified for this purpose. For Connecticut, Illinois, New York, and Pennsylvania workers, all international purchase fees are waived.
This is our fee per withdrawal. You may also be charged a fee by the ATM operator even if you do not complete a transaction.
This is our fee per inquiry. You may also be charged a fee by the ATM operator.
Other
Replacement
This is our fee per replacement of your card, whether mailed to you with standard delivery (up to 10 business days) or provided to you by your employer/sponsor. This fee is waived for your first card replacement in a 12-month period. This fee will be charged for each additional replacement during the same 12 months. For Connecticut, Hawaii and Pennsylvania workers, this fee is waived.
This is our fee for expedited delivery (up to 3 business days) charged in addition to any Card Replacement fee.
This is our fee for overnight delivery charged in addition to any Card Replacement fee.
This is our fee charged each month after you have not completed a transaction using your card for 90 consecutive days. For Connecticut, Illinois, and Pennsylvania workers, this fee will be waived for the first 12 months of inactivity (based on cardholderinitiated balance changing transactions). For Texas residents, this fee will not be charged after one year of inactivity. For Minnesota, New York and Montana workers this fee is waived. For Hawaii workers, accounts with a balance of $0.00 and no activity for more than 6 months may be closed.
Important information: Fee waivers for workers of a particular state are applied based on information from the sponsoring employer regarding your state of employment.
Transaction Limits
For security reasons, there are limitations on the number and amount of transactions that you may perform with your Card. There may be additional limits on the amount, number of types of transactions you can make using your Card and for security reasons we do not disclose these limits. Daily limits are based on a rolling 24 hour period. Limits are subject to change from time to time. You will receive prior notice of such changes to the extent required by applicable law.
The Focus Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. © 2021 U.S. Bank. Member FDIC
Your funds are eligible for FDIC insurance up to $250,000. FDIC insurance protects deposits from loss due to bank insolvency. See fdic.gov/deposit/deposits/prepaid.html for details.
No overdraft/credit feature.Contact Cardholder Services by calling 1-877-474-0010, by mail at P.O. Box 551617, Jacksonville, FL 32255 or visit usbankfocus.com.
For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.
The Focus Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. ©2020 U.S. Bank. Member FDIC.
Important information: Fee waivers for workers of a particular state are applied based on information from the sponsoring employer regarding your state of employment.
