Xpectations!® Plus Debit Mastercard®

MANAGE YOUR MONEY online or in app10,
UNLOAD CASH IN PERSON at any PLS7

IMPROVED FEATURES, LOW FEES

  • $0 Purchase Transaction Fees - Use your card as often as you like with no pay per use fees on purchase transactions.
  • No Monthly Fees1 - With $500 of eligible direct deposits.
  • Free Nationwide ATM network2 - Pay $0 ATM fees at thousands of nationwide in-network ATMs, including all PLS stores.
  • Free Reloads at PLS3 - When you load cash onto your Xpectations! Plus card at any PLS store.
  • Overdraft Protection4 - Worried about having enough in your account to cover your purchases? You can be protected! When you receive eligible direct deposits and opt-in for overdraft protection, your purchase transactions will be covered up to $200 if you ever overspend. Just bring your balance back to at least $0 in 24 hours to avoid fees.
  • Get Paid Early with Direct Deposit5 - Set up direct deposit and get your payroll checks deposited up to 2 days early or your government benefits up to 4 days early…instead of waiting for a check.
  • Savings Account6 - We know every penny counts. Put away extra cash into a savings account to help pay for future needs.
  • Get Cash Off Your Card7 - Walk into any PLS store, walk out with your cash in hand. Any location, anytime.
  • Transfer Money8 - Link another debit card or bank account in your name, to your Xpectations! Plus account and move money between each account for added convenience.
  • Works with Digital Wallets9 - Add your card to Apple Pay, Google Pay or Samsung Pay for a fast and easy way to pay for purchases.
  • Xpectations! Plus Mobile App10 - Manage your money 24/7 with the innovative Xpectations! Plus mobile app. Review card activity, transaction history, pay bills, transfer money, find free ATMs nearby and sooooo much more!

ENHANCED PROTECTION

  • Lock and Unlock Your Card11 - To keep the money in your account safe
  • Chip-enabled/Contactless - Use everywhere Mastercard® debit is accepted in the U.S. Just look for the contactless symbol at checkout and tap or insert card to pay!
  • Receive Fraud Text Alerts10 - If suspicious activity is detected on your account, you will receive a text alert.
  • FDIC Insured - Know your money is safe and protected. All funds are FDIC protected up to $250K.

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.

HOW TO GET STARTED

1. Visit any PLS store to apply for an Xpectations!® Plus Debit Card.
2. Activate your card by visiting PLScard.com.
3. Download the Xpectations! Plus mobile app10 to access all of the card features and manage your account.

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

4. Set up eligible direct deposits to unlock exclusive benefits:
  • Opt-in for overdraft protection up to $2004
  • Get your payroll up to 2 days early!5
  • Get your government benefits up to 4 days early!5
  • Get your tax refund faster than a paper check!12

HOW TO SET UP DIRECT DEPOSIT OF YOUR TAX REFUND:

You will need to have your account and routing number available. You can locate them 2 ways:

  • In the Xpectations! Plus Mobile app
  • In your account page at PLScard.com

When preparing your taxes, fill out the refund section of Form 1040, 1040A, or 1040EZ:

1. Write in the 9-digit routing number.
2. Mark an X in the "Checking" box beside: "Type".
3. Write in your Xpectations! Plus Debit Card account number beside: "Account number".
refund example
The example above is for illustrative purposes only, based on IRS Form 1040, Year 2023. The line numbers may vary. The instructions above have been prepared for informational purposes only and are not intended to provide, and should not be relied upon for, tax advice.

Your refund will automatically deposit onto your Xpectations! Plus Debit Card - giving you access to your money faster12 than a paper check. You can then start using your card to shop, eat out and more!

For customers who have an existing Xpectations!® Prepaid Mastercard®:

You can continue to use your Xpectations! Prepaid Mastercard or convert at NO COST13 to the Xpectations! Plus Debit Mastercard. Visit a PLS store to get started!

Access your Xpectations! Prepaid Mastercard.
View the Xpectations! Prepaid Mastercard Cardholder Agreement

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, 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. 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.
3. There is no charge for cash reloads at PLS Check Cashers locations. Individual retailers other than PLS Check Cashers locations may charge a fee.
4. Opt-in required. Account must have initial eligible direct deposits, must be in good standing, and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at Green Dot Bank's discretion. Green Dot Bank reserves the right to not pay overdrafts. For example, Green Dot Bank may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. 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.
5. 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.
6. 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.
7. Fees apply when you withdraw cash from your Xpectations! Plus Debit Card. Visit a store for fee information.
8. 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/agreements for more details.
9. Not available to residents outside of the 50 States and D.C. No minimum balance required.
10. Message and data rates may apply.
11. Previously authorized transactions and deposits/transfers to your account will function with a locked card.
12. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds is subject to payer's support of the feature and timing of payer's funding.
13. There is no card purchase fee when customers switch from an Xpectations! Prepaid Mastercard to an Xpectations! Plus Debit Mastercard. All other fees will apply in accordance with the Deposit Account Agreement.

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.

Fees apply to your purchase and use of the Xpectations!® Prepaid Mastercard®. See Cardholder Agreement at www.pls247.com/xpectations for terms and details, including conditions and your obligations related to unauthorized transactions. Card issuance is subject to identity verification. The Xpectations! Prepaid Mastercard is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. This card can be used everywhere Mastercard debit cards are accepted.

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