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rapid! PayCard® Fee Schedule

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Xenium Guide
  • Updated

The rapid! PayCard® is a convenient way to receive your pay electronically, but it’s important to understand the fees associated with it. Below is a breakdown of common fees and important state-specific notes.

Download the official rapid! Fee Schedule

 

Basic Fee Overview

Service Fee
Monthly Maintenance $0
Per Purchase $0
ATM Withdrawal (In-Network) $1.50 (1st after deposit is free)
ATM Withdrawal (Out-of-Network) $2.99
ATM Balance Inquiry $0 or $0.75
Cash Reload Up to $5.95*
Customer Service Calls $0 per call
Inactivity (After 6 Months) $4.95/month
Mobile Check Load 5% of check ($5.00 minimum)
Paper Statement (Extra Copies) $1.50 per request

*This fee can be lower depending on how and where this card is used.

 

Additional Transaction Fees

Transaction Fee
ATM Withdrawal Decline $0.75
Point-of-Sale Decline (Domestic/International) $0.50
International ATM Withdrawal 3% + $2.99
ATM withdrawal (in-network) - international $0
International Purchase 3%
Money Transfers (Debit AFT, PIN, or Immediate) $1.99–$2.99

 

Card Replacement Options

Service Fee
Standard Replacement (Overnight) $25.00
Rush Replacement (Overnight) $35.00
Rush Replacement (Saturday Delivery) $50.00
Paper Checks (Expedited Delivery) $35.00

 

 

State-Specific Notes

Each state may have unique regulations or protections related to the use of your rapid! PayCard®. Below are important details to be aware of based on where you live:

Hawaii

For Hawaii workers, accounts with a balance of $0.00 and no activity for more than six (6) months will be closed.

Connecticut

  • Your use of the card is voluntary.

  • You may request to be paid via ACH/direct deposit or paper check instead.

  • You can obtain all funds on your card by visiting a financial institution and requesting a Teller Assisted Cash Withdrawal at no cost.

  • No fees are assessed for declined transactions.

  • You are eligible for one (1) free Standard Replacement Card per year.

  • An Inactivity Fee will be charged only after 12 months of no cardholder-initiated, balance-changing transactions.

  • You may receive one (1) free printed statement each month and can opt to get them automatically for 12 months by calling customer service.

  • Be aware that third parties may charge additional fees beyond those listed in the fee schedule.

Minnesota

For Minnesota workers, the Inactivity Fee is $0.00.

Texas

For cardholders with a Texas residential address, the Inactivity Fee will not be charged after 12 months of no activity.

Illinois

For Illinois workers:

  • No fees for any purchases, including:

    • Purchase with PIN

    • Purchase without PIN

    • International purchases (note: foreign currency conversion costs may apply per Cardholder Agreement)

  • No fees for any declines, including:

    • ATM withdrawal declines

    • Purchase declines

    • Teller Assisted Cash Withdrawal declines

  • Inactivity Fee will be charged only after 12 months of no cardholder-initiated, balance-changing transactions.

Pennsylvania

  • Receiving your wages via this card is voluntary.

  • You may request payment via ACH or paper check.

  • No fees will be charged for Point of Sale transactions.

  • The $4.95 Inactivity Fee will be charged only after 12 months of no cardholder-initiated, balance-changing transactions.

  • Third parties may charge additional fees beyond those assessed by the card issuer.

New York

  • Your employer cannot require you to accept wages via payroll debit card.

  • Your consent to receive wages this way is not valid until after 7 days from the time you give it.

  • You may withdraw your consent at any time by notifying your employer.

  • You must be provided with full access to your wages.

Free Services for New York Cardholders:

  • Domestic POS Purchases (with Signature or PIN)

  • Domestic POS Decline / NSF

  • Domestic ATM Withdrawal or Balance Inquiry using Allpoint® or MoneyPass®

  • Inactivity Fee

  • Teller Assisted Cash Withdrawal

  • Printed & Mailed Statement

To find in-network ATMs, visit:

Important Notes

  • No Overdraft or Credit Feature: Your card only allows spending what’s available.

  • FDIC Insured: Funds are protected up to $250,000 when deposited with Green Dot Bank.

  • In-Network ATMs: Use rapidfs.com, Allpoint, or MoneyPass to find surcharge-free ATMs.

  • For general info on prepaid cards, visit cfpb.gov/prepaid.

 Need Help?

Contact rapid! PayCard Customer Service:

  • Phone: (888) 727-4314

  • Website: rapidfs.com

  • Mail: P.O. Box 42212, Cincinnati, OH 45242

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