Jan 30, 2014, 2:35 pm
Last edit by: Middle_Seat
From the Cardholder Agreement
- Maximum cash load each day: $999.99 (2x$500 VRs work). Limit resets at 1:00AM EST.
- Maximum loads per day: 4
- Maximum loads per month: 10
- Maximum ATM withdrawals per day: $3000
- Maximum spending per day: $3500
- Maximum monthly load limit: $5000 with VRs. Rolling 30 day period.
Cost of Service
- Initial Purchase fee: FREE
- Monthly Charge: FREE (if U use once every 90 days)
Add Money
- Direct Deposit: FREE
- Cash Reload at Retail Location: Varies by location, up to $4.95
- From Bank Account: FREE
- Check to Card via mobile app. 2% fee for printed payroll checks or government checks. 4% fee for any other check.
Get Cash
- Cash Back at Store: FREE
- From ATM: Allpoint ATMs, $2.50, Non Allpoint ATMs, $2.50
- Over the Counter Withdrawal: $25
- Request Check or One Time ACH: FREE
Spend Money
- Signature: FREE
- PIN: FREE
- Online bill pay: $0.95 per billpay. (Max Bill Pay $2500)
Information
- Automated IVR Access, Live Agent, Online Customer Service, Mobile Text Updates, Emerald Mobile Banking App, Online Statement, Paper statement upon request: FREE
- ATM Balance Inquiry: $1
- ATM Decline: $1
- Monthly Inactivity (after 2 months) $4.95 (Increased Jan. 2015, previously was $2.50 after 3 months.)
- Replacement Card: FREE, if expedited $35.
The card also has a reward feature in the form of cash back offers for certain purchase at certain stores - like AmEx Offers.
You will receive a temporary card right after your are done with your application. You can starting loading that card and use it normally. When the personalized card (if you opt in for it) comes, which will take 2-3 weeks, the card number may be changed and you need to activate the new card again (note that by activating the personalized card, the temporary card will be deactivated automatically). However, the load limit does not reset when you change from the temporary card to the personalized card.
Loads at CVS are hard-coded cash only, and have a $4.95 fee.
- Maximum cash load each day: $999.99 (2x$500 VRs work). Limit resets at 1:00AM EST.
- Maximum loads per day: 4
- Maximum loads per month: 10
- Maximum ATM withdrawals per day: $3000
- Maximum spending per day: $3500
- Maximum monthly load limit: $5000 with VRs. Rolling 30 day period.
Cost of Service
- Initial Purchase fee: FREE
- Monthly Charge: FREE (if U use once every 90 days)
Add Money
- Direct Deposit: FREE
- Cash Reload at Retail Location: Varies by location, up to $4.95
- From Bank Account: FREE
- Check to Card via mobile app. 2% fee for printed payroll checks or government checks. 4% fee for any other check.
Get Cash
- Cash Back at Store: FREE
- From ATM: Allpoint ATMs, $2.50, Non Allpoint ATMs, $2.50
- Over the Counter Withdrawal: $25
- Request Check or One Time ACH: FREE
Spend Money
- Signature: FREE
- PIN: FREE
- Online bill pay: $0.95 per billpay. (Max Bill Pay $2500)
Information
- Automated IVR Access, Live Agent, Online Customer Service, Mobile Text Updates, Emerald Mobile Banking App, Online Statement, Paper statement upon request: FREE
- ATM Balance Inquiry: $1
- ATM Decline: $1
- Monthly Inactivity (after 2 months) $4.95 (Increased Jan. 2015, previously was $2.50 after 3 months.)
- Replacement Card: FREE, if expedited $35.
The card also has a reward feature in the form of cash back offers for certain purchase at certain stores - like AmEx Offers.
You will receive a temporary card right after your are done with your application. You can starting loading that card and use it normally. When the personalized card (if you opt in for it) comes, which will take 2-3 weeks, the card number may be changed and you need to activate the new card again (note that by activating the personalized card, the temporary card will be deactivated automatically). However, the load limit does not reset when you change from the temporary card to the personalized card.
Loads at CVS are hard-coded cash only, and have a $4.95 fee.
What do I tell the H&R Block folks to allow them to give me an emerald prepaid card?
Jan 29, 2014, 7:57 am
#47
Join Date: Jul 2004
Location: White Plains, NY
Posts: 114
I think it should be possible to load it in Walmart since this card supposedly supports Rapid Reload. But I read there's generally a 3.74 fee for Rapid Reload. Maybe Gobank and Bluebird are the only exceptions.
Jan 29, 2014, 12:43 pm
#48
Join Date: Jun 2011
Location: NYC
Programs: Delta Platinum, Air Berlin Gold, Hilton Diamond, Hyatt Platinum, SPG Platinum
Posts: 53
Just an FYI, I can confirm that you can load two $500 VRs onto the card in a single day, so the limit isn't precisely $999.99, it's $1,000, at least for VRs. I don't think anyone has to go out and start getting $499.99 on their prepaid load cards...
Jan 29, 2014, 1:22 pm
#49
Join Date: Feb 2012
Posts: 39
Jan 30, 2014, 3:28 am
#50
Join Date: Aug 2011
Location: SJC
Programs: DL DM
Posts: 130
Ok, you're right; that's my bad. VRs can apparently go up to the full $1000. If you're using MP, at least in my experience, you'll have to drop the cent. Unless this changed very recently.
Jan 30, 2014, 6:37 am
#52
Join Date: Aug 2011
Programs: many
Posts: 1,437
Where is this information from?
Likely ask another rep and you will be told a different answer. I'd like to see any reports of someone who goes over $5k
Likely ask another rep and you will be told a different answer. I'd like to see any reports of someone who goes over $5k
Jan 30, 2014, 6:45 am
#53
Join Date: Aug 2011
Location: SJC
Programs: DL DM
Posts: 130
Jan 30, 2014, 12:24 pm
#55
Join Date: Jun 2011
Location: NYC
Programs: Delta Platinum, Air Berlin Gold, Hilton Diamond, Hyatt Platinum, SPG Platinum
Posts: 53
I believe the actual load amount is 10 loads per month, which means that depending on what card you use to reload, such as a reloadit vs. a VR, that can change the maximum $ amount you can load. However, I have no access to reloadit cards, only VRs, so someone else is going to have to report back to confirm this.
Jan 30, 2014, 12:51 pm
#56
Join Date: Sep 2008
Posts: 72
Willing to send someone some type of compensation via Paypal to create detailed instructions on how the tax preparer should do this. If you got one for yourself, go with your wife and take screenshots with cell, sanitize, and provide a quick write up.
Let me know how much you would charge.
The 3 H&R Blocks I've tried keep deferring to district manager. Can't even get them to try, since I've never been a pre-existing customer.
Let me know how much you would charge.
The 3 H&R Blocks I've tried keep deferring to district manager. Can't even get them to try, since I've never been a pre-existing customer.
Jan 30, 2014, 1:26 pm
#57
Original Poster
Join Date: Nov 2012
Posts: 657
Willing to send someone some type of compensation via Paypal to create detailed instructions on how the tax preparer should do this. If you got one for yourself, go with your wife and take screenshots with cell, sanitize, and provide a quick write up.
Let me know how much you would charge.
The 3 H&R Blocks I've tried keep deferring to district manager. Can't even get them to try, since I've never been a pre-existing customer.
Let me know how much you would charge.
The 3 H&R Blocks I've tried keep deferring to district manager. Can't even get them to try, since I've never been a pre-existing customer.
walked in told the guy I wanted an emerald prepaid, told him I tryed over the phone but was told I had to come into a branch. He told me to fill out a form. I waited then someone came out and immediately started asking me questions about my taxes...I just went with it, answered her questions. Then later asked about the emerald, and pointed to the pic of it on her wall, she talked more about how it was for my refund. I told her I claim 3 dependents but dont have any, so I dont get a refund, but i would like the card. She said sure and walked me through the app.
I actually have an appt next week to talk more about my taxes. I am going to have to call and cancel.
Jan 30, 2014, 4:38 pm
#60
Join Date: Dec 2013
Location: Midwest
Programs: DL DM
Posts: 401
Willing to send someone some type of compensation via Paypal to create detailed instructions on how the tax preparer should do this. If you got one for yourself, go with your wife and take screenshots with cell, sanitize, and provide a quick write up.
Let me know how much you would charge.
The 3 H&R Blocks I've tried keep deferring to district manager. Can't even get them to try, since I've never been a pre-existing customer.
Let me know how much you would charge.
The 3 H&R Blocks I've tried keep deferring to district manager. Can't even get them to try, since I've never been a pre-existing customer.
I went in after work, and the method is very simple:
1. Employee does to "Emerald Perks" Icon on their desktop. NOT the tax software, it cannot be found in there.
2. Its all very simple, directs the employee through step by step.
3. You are not "friends and family" or it will mess up.
4. ID address must match or else bring in mail proving correct address (utility bill, etc)
They did say that the promotion period to get a card without taxes ends 1/31, but who knows.
I will say, it might be better not to make an appt. I think they are tracked based on appointments/sales/etc. They told the front desk to not put me in their scheduling system.
All of this is YMMV of course, but I was in and out in 5 minutes. Very painless and super friendly.