Prepaid Mastercard® Fees and Limits
Updated: December 21st, 2023
ALL FEES
AMOUNT
DETAILS
Card 1st purchase
$0.00
No charges apply.
Card Activation
$0.00
No charges apply.
Virtual Card Activation
$0.00
No charges apply
Card Replacement
$4.99
Includes standard shipment
Close Card
$0.00
No charges apply.
Open Account
$0.00
No charges apply.
Close Account
$0.00
No charges apply.
Monthly fee
$0.00
No charges apply.
Weekly fee
$0.00
No charges apply.
Minimum balance fee
$0.00
No charges apply.
Setup Apple Pay or Google Pay
$0.00
No charges apply.
Money Load - Direct deposit
$0.00
No charges apply.
Money Load - ACH debits from other banks
$0.00
No charges apply.
Transfers are available between 1 to 3 business days from most banks.
Transfers are available between 1 to 3 business days from most banks.
Money Load - Same Day ACH debits from other banks
Up to $1.99
Money Load - Scheduled ACH debits from other banks
$0.00
No charges apply.
Money Load - with Debit Card
Up to 1%
Money Load - with Credit Card
Up to 3%
You may be charged a fee by the credit card issuing bank.
Money Load - Cash Deposit
Up to $2.00
Money Load - Check Deposit
Up to 5%
Money Load - Get Paid with ACH
Up to 1%
Money Load - Get Paid with Debit Card
Up to 2%
Money Load - Get Paid with Credit Card
Up to 3%
Money Transfer - Bank Transfer ACH
$0.00
No charges apply.
Transfers available between 1 to 3 business days to most banks.
Transfers available between 1 to 3 business days to most banks.
Money Transfer - Instant ACH, RTP
Up to $0.99
Money Transfer - to Debit Cards
Up to $0.99
Money Transfer - to Credit Cards
Up to $0.99
P2P Domestic - Send money
$0.00
No charges apply.
P2P Domestic - Receive money
$0.00
No charges apply.
P2P Domestic - Request money
$0.00
No charges apply.
P2P Domestic - Fund Request
$0.00
No charges apply.
Domestic OCT
Up to $0.99
Card Tx. - POS PIN debit purchase
$0.00
No charges apply.
Card Tx. - POS signature purchase
n/a
Card Tx. - POS PIN purchase (declined)
$0.00
No charges apply.
Card Tx. - POS SIG purchase (declined)
n/a
Card Tx. - Online Purchase
$0.00
No charges apply.
Cash Withdrawal - Retail Cash Back
$0.00
No charges apply by h.way. You may be charged a fee by the bank operator, even if you do not complete a transaction
Mobile Reload (Top-up)
$0.00
No charges apply.
Bill Payment Domestic
$0.00
No charges apply.
Cash Withdrawal - ATM withdrawal in-network (US)
$0.00
No charges apply by h.way. You may be charged a fee by the ATM operator, even if you do not complete a transaction.
Cash Withdrawal - ATM withdrawal out-of-network (US)
$0.00
No charges apply by h.way. You may be charged a fee by the ATM operator, even if you do not complete a transaction.
Cash Withdrawal - ATM withdrawal (declined US)
$0.00
No charges apply by h.way. You may be charged a fee by the ATM operator, even if you do not complete a transaction.
Customer service (automated system)
$0.00
No charges apply.
Customer service (live agent)
$0.00
No charges apply.
ATM balance inquiry
$0.00
No charges apply.
International Transaction - ATM withdrawal
$0.50
You may be subject to exchange rate charges when making international transactions with a different currency and ATM operator charges.
International Transaction - ATM withdrawal (declined)
$0.00
You may be subject to exchange rate charges when making international transactions with a different currency and ATM operator charges.
International Transaction - POS PIN debit purchase
$0.00
You may be subject to exchange rate charges when making international transactions with a different currency and ATM operator charges.
International Transaction - POS signature purchase
n/a
International Transaction - POS PIN purchase (declined)
$0.00
You may be subject to exchange rate charges when making international transactions with a different currency and ATM operator charges.
International Transaction - POS SIG purchase (declined)
n/a
International Transfers - Send from US to Debit or Credit Card
up to 2%
Based on Mastercard or Visa Foreign Exchange rates.
International Transfers - Send from US to Bank
up to 2%
Based on Mastercard or Visa Foreign Exchange rates.
Cancel Card
$0.00
No charges apply.
Close Account with refund
$9.99
Includes mailing and processing of checks. Each check is for a maximum of $5,000.
Close Account without refund
$0.00
No charges apply.
Blocked Account for fraud alert
Up to $50.00
Applies monthly to blocked accounts for suspicious fraud activity and unusual transactions the account holder performs to solve expenses related to the fraud investigation, identity user validation process, and to report the corresponding regulatory organizations.
ACH Decline
Up to $35.00
We may take debt collection measures, including, but not limited to, mandating a debt collection agency or attorneys to pursue the claim in court, and we reserve the right to charge you the respective cost.
Insufficient funds/NSF
Up to $35.00
We may take debt collection measures, including, but not limited to, mandating a debt collection agency or attorneys to pursue the claim in court, and we reserve the right to charge you the respective cost.
Inactivity
Up to $9.99
We may take debt collection measures, including, but not limited to, mandating a debt collection agency or attorneys to pursue the claim in court, and we reserve the right to charge you the respective cost.
Plan Subscription - Monarca
$0.00/month
To know more about the Plan benefits, visit the h.way website at www.h-way.com
Plan Subscription – Monarca Duo
$5.99/month
To know more about the Plan benefits, visit the h.way website at www.h-way.com
Plan Subscription – Monarca +
$9.99/month
To know more about the Plan benefits, visit the h.way website at www.h-way.com
Plan Subscription - Quetzal
$16.99/month
To know more about the Plan benefits, visit the h.way website at www.h-way.com
Limitations on Frequency and Amounts per Transactions and Period
IMPORTANT – PLEASE READ CAREFULLY
Updated: November 29, 2023.
The following limitations apply to all users to prevent fraud and, in some cases, to comply with regulations. Our goal is to provide you with a balance of convenience and controls to prevent fraud for the safety of all parties.
Concept
Period (days)
Number of Transactions
Minimum Per Transaction
Maximum Per Transaction
Maximum Aggregated
Maximum Balance on the Card at any time(Includes ALL electronic, cash and direct deposit loads)
Up to $50,000.00
Money Loads
Daily Maximum Value Loads (Includes any combination of the load types, except Direct Deposit, Check Deposit or Get Paid)
$10,000.00
Credits/Value Loads, from Bank Accounts (ACH)
1
5
$1.00
$2,500.00
$5,000.00
Credits/Value Loads, from Bank Accounts (ACH)
7
5
$1.00
$2,500.00
$5,000.00
Credits/Value Loads, from Bank Accounts (ACH)
30
5
$1.00
$2,500.00
$5,000.00
Credits/Value Loads, from Debit Card
1
5
$25.00
$200
$1,000.00
Credits/Value Loads, from Credit Card
7
5
$25.00
$200
$1,000.00
Credits/Value Loads, from Credit Card
30
5
$25.00
$200
$1,000.00
Retail Cash deposits
1
3
$20.00
$500.00
$500.00
Retail Cash deposits
30
5
$20.00
$500.00
$2,500.00
Payroll, Check Deposit
Daily Maximum Deposit (Includes any combination of direct deposit, check deposit)
$10,000.00
Direct deposits (e.g., payroll, tax return)
1
3
n/a
$10,000.00
$10,000.00
Direct deposits (e.g., payroll, tax return)
7
5
n/a
$10,000.00
$15,000.00
Direct deposits (e.g., payroll, tax return)
30
20
n/a
$10,000.00
$50,000.00
Check Deposit
30
5
$20.00
$1,000.00
$2,500.00
Get Paid
Daily Maximum Get Paid (Includes any combination of Get Paid)
$25,000.00
Get Paid with h.way account
30
n/a
$2.00
$25,000.00
$50,000.00
Get Paid with ACH
30
n/a
n/a
$5,000.00
$25,000.00
Get Paid with Debit Card
30
n/a
n/a
$2,500.00
$25,000.00
Get Paid with Credit Card
30
n/a
n/a
$2,500.00
$10,000.00
Send and Request between h.way accounts /Transfers (P2P)
Send money
(Account to Account)
(Account to Account)
1
20
$1.00
$1,000.00
$2,500.00
Send money
(Account to Account)
(Account to Account)
30
20
$1.00
$1,000.00
$10,000.00
Request money
(Account to Account)
(Account to Account)
1
20
$1.00
$1,000.00
$2,500.00
Request money
(Account to Account)
(Account to Account)
30
50
$1.00
$1,000.00
$10,000.00
Send to US Cards - OCT Domestic
Send to a Card (Sender)
1
10
$1.00
$1,000.00
$1,000.00
Send to a Card (Sender)
7
20
$1.00
$1,000.00
$2,500.00
Send to a Card (Sender)
30
50
$1.00
$1,000.00
$5,000.00
Receive in a Card (Receiver)
1
20
$1.00
$1,000.00
$2,000.00
Receive in a Card (Receiver)
7
20
$1.00
$1,000.00
$5,000.00
Receive in a Card (Receiver)
30
50
$1.00
$1,000.00
$10,000.00
Withdrawals
Daily Maximum Value Withdrawal (Includes any combination of withdrawal type)
$500.00
Cashback from POS purchases
1
3
$2.00
$500.00
$500.00
ATM Cash Withdrawal
1
3
$20.00
$500.00
$500.00
Card Transactions
Spending/Purchases(All methods)
1
10
$1.00
$2,500.00
$2,500.00
Send Abroad (Cross border transactions)
Send Money(All methods)
1
5
$25.00
$1,000.00
$5,000.00
Send Money(All methods)
7
5
$25.00
$1,000.00
$5,000.00
Send Money(All methods)
30
10
$25.00
$1,000.00
$9,999.001
Receive Money
1
5
$25.00
$1,000.00
$9,999.001
Receive Money
7
5
$25.00
$1,000.00
$9,999.001
Receive Money
30
10
$25.00
$1,000.00
$9,999.001
Transfer out (ACH to other banks)
Transfer to external Bank Accounts
1
5
$1.00
$2,500.00
$5,000.00
Transfer to external Bank Accounts
7
10
$1.00
$2,500.00
$5,000.00
Transfer to external Bank Accounts
30
10
$1.00
$2,500.00
$10,000.00
Mobile Reloaded - Top-up
Top-up Domestic
7
10
n/a
n/a
$250.00
Top-up International
7
10
n/a
n/a
$500.00
Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Metropolitan Commercial Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Metropolitan Commercial Bank fails if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.
No overdraft/credit feature.
For any questions or complaints, contact Leap Financial Inc. by calling +1 844-684-6844 by mail at Southwest 28th Terrace, Suite 202, Coconut Grove, FL 33133, USA., or visit www.h-way.com
For general information about prepaid accounts, visit cfpb.gov/prepaid.
1 Maximum Amount: To increase the limit, you shall contact support and we may request additional information to lift the limit to higher amount at our sole discretion.
© Leap Financial Inc. 2023.
Copyright 2023 | All Rights Reserved
h.way is a program of Leap Financial Inc. Leap Financial is not a bank. It is a technology services provider and card program administrator. The h.way Prepaid Mastercard is issued by Cross River Bank, Member FDIC. Funds deposited/loaded into your h.way Prepaid Mastercard account are held at Cross River Bank, Member FDIC, and are insured up to $250,000.See fdic.gov/deposit/deposits/prepaid.html for details. No overdraft/credit feature. 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.
BY USING THIS CARD, YOU AGREE WITH THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY. The h.way Prepaid Mastercard card is issued by Cross River Bank (Member FDIC) pursuant to a license from Mastercard. This card must be surrendered upon demand.
FOR ANY QUESTIONS OR COMPLAINTS, CONTACT LEAPFINANCIAL INC. BY MAIL AT SOUTHWEST 28TH TERRACE, SUITE 202, MIAMI, FL 33133, WRITING to SUPPORT@H-WAY.COM, OR VISIT WWW.H-WAY.COM. FOR GENERAL INFORMATION ABOUT PREPAID ACCOUNTS, VISIT CFPB.GOV/PREPAID.