Xpectations!® Plus Mobile App

MANAGE YOUR MONEY 24/7

The convenience and value of a mobile bank account is now available in an innovative new app5. Customers who sign up for the Xpectations!® Plus Debit Mastercard® can manage their money, access full account features, and get the protection they deserve with the Xpectations!® Plus app.

Xpect more, because you deserve more… improved features, enhanced protection and low fees with the Xpectations! Plus Debit Card:

Benefits with Direct Deposit:

  • No monthly fees with $500 of eligible direct deposits1.
  • Overdraft protection up to $200 with opt-in and eligible direct deposits2.
  • Get your payroll up to 2 days early or government benefits up to 4 days early3.
  • Set up payroll or government benefits providers automatically inside the Xpectations! Plus app:
    • Just find your provider from the drop-down list, log into their portal and select how much you want direct deposited into your account.
    • Takes a few minutes to set up.
    • No need to fill out any forms.
    • Convenient, fast and safe.

Enhanced Protection to keep your money safe:

  • Lock and unlock your card4.
  • Receive fraud text alerts regarding any suspicious activity5.
  • Contactless chip-enabled card – just tap and pay! Use everywhere Mastercard® debit is accepted in the U.S.
  • Change your ATM pin.
  • Track/Activate your card.
  • Add or remove your Xpectations! Plus Debit Card.
  • View account and routing information.
  • Add your card to Apple Pay, Google Pay or Samsung Pay for a fast and safe way to pay for purchases6.
  • FDIC Insured up to $250K.

Manage your money and access it when you need it:

  • $0 Purchase Transaction Fees (no pay per use fees on purchase transactions)
  • ATM Locator – Find thousands of FREE ATMs7 nearby (including all PLS stores).
  • Cash Load Locator – FREE reloads at PLS when you load cash onto your Xpectations! Plus Debit Card8.
  • Unload cash in person at any PLS store9.
  • Transfer money from your linked debit card or linked bank account10.
  • View transaction history and balance.
  • View card activity.
  • Schedule and pay bills.

Save for Future Needs with a High Yield Savings Account11:

  • Earn 1.00% APY – based on 0.99% interest rate, paid quarterly on savings up to $10,00012.
  • Create up to 5 personalized savings vaults. Each vault earns interest.
  • Move money in and out of savings vaults with no transfer fees.
  • Set savings goals, track progress and more!

Face to Face Service

Have questions about your money? We're here to help! Stop by any PLS store and talk through your questions with one of our friendly store associates. In today's digital world, it's nice to know a friendly smile is just around the corner.

Download the Xpectations! Plus mobile app5 today!

Its free5, convenient, and easy to use.

Available on the Apple App Store | navigation link Get It On Google Play | navigation link

Fees apply to your purchase and use of the Xpectations!® Plus Debit Mastercard®. See Deposit Account Agreement for terms and conditions at PLScard.com/agreements. The Xpectations!® Plus Debit Mastercard® is issued by Green Dot Bank d/b/a GO2bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All other registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. Online access and identity verification (including Social Security, TIN or select US ID type or Foreign ID types) is required for card activation and to open an account. Mobile number or email address verification and mobile app are required to access all features.

1. Monthly fee waived whenever you receive payroll or government benefits direct deposits of $500+ in the previous monthly statement period. Otherwise, $5 per month.
2. Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Learn more at PLScard.com/agreements.
3. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name, Social Security, TIN or select US ID type or Foreign ID type number on file with your employer or benefits provider must match your Xpectations! Plus Debit Card account to prevent fraud restrictions on the account.
4. Previously authorized transactions and deposits/transfers to your account will function with a locked card.
5. Message and data rates may apply.
6. Not available to residents outside of the 50 States and D.C. No minimum balance required.
7. See app or website for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.
8. There is no charge for cash reloads at PLS Check Cashers locations. Individual retailers other than PLS Check Cashers locations may charge a fee.
9. Fees apply when you withdraw cash from your Xpectations! Plus Debit Card. Visit a store for fee information.
10. Customer can transfer their funds from another debit card or bank account to their Xpectations! Plus Debit Card account in minutes for a small fee. Limits apply to bank transfers and are subject to your bank's restrictions and fees. Bank account verification services provided by Plaid. Activated, personalized debit card required to make a bank transfer. See Deposit Account Agreement at PLScard.com/agreement for more details.
11. Money in a savings account cannot be used for purchases, cash withdrawals or to cover overdrafts until funds are transferred back to your deposit account. Account balance limits apply.
12. Interest paid quarterly on the average daily balance of savings during the quarter up to a $10,000 average daily balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) and 0.99% interest rate are accurate as of April 2024 APY and interest rate may change before or after you open an account. See Deposit Account Agreement for terms and conditions at PLScard.com/agreements.

See Deposit Account Agreement at PLScard.com/agreements for more details.
Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries. Samsung is a registered trademark of Samsung Electronics Co., Ltd.
©2024 Green Dot Corporation. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.

All trademarks and service marks are the property of their respective owners. PLS Financial Services, Inc. ©2024.