| Description | Partner |
| Reloadable | Yes |
| Potential Funding Source | Personal, Business |
| Distribution | Face to face, direct mail or online |
| CIP/KYC | Full CIP collected and validated on CH; primary CIP – non-documentary |
| Escheatable | Yes |
| Expiration Term | 4 years |
| Maximum Balance | $10,000.00 |
| Maximum $ Daily Cash Loads | $1,000.00 |
| Maximum # Daily Cash Loads | 4 |
| ACH Credit Max – Daily | $10,000.00 |
| Max # ACH Loads – Daily | 5 |
| ACH Debit max $ Daily | $2,500.00 |
| Card to Card Daily | $300.00 |
| Bank to Card Daily | $500.00 |
| Credit Card to Card Daily | $0.00 |
| Card to Bank Daily | $500.00 |
| OTC Teller (Bank Teller) Withdrawal – Daily | $2,500.00 |
| ATM (Domestic/Int’l.) Daily | $510.00 |
| Maximum # ATM TX Daily | 8 |
| PIN POS – Daily $ | $2,500.00 |
| Signature POS Daily $ | $2,500.00 |
| POS purchase with cashback | $500.00 |
| Max # POS TX Daily | 25 |
| Convenience Checks | Pre-authorized |
| RDC Remote Deposit Capture | $5,000.00 |
| Max Number of RDC daily | 5 |
| Retail Bank load in Branch | $2,500.00 |
| Ability to block MCCs | 7995-betting/casino,7273 – dating/escort |
| Ability to block CBKC prohibited countries | YES |
| Negative balance due to fees threshold (maximum allowed) | $0.00 |
| Max $ cash loads monthly | $5,000.00 |
| Max # cash loads (monthly) | 30 |
| ACH credit $ monthly | $10,000.00 |
| ACH debit $ max monthly | $2,500.00 |
| Max # ACH Loads – 30 day per | 20 |
| Card to Card Monthly $ | $1,500.00 |
| Card to Bank Monthly $ | $5,000.00 |
| OTC Teller (Bank Teller) Withdrawal – Monthly $ | $10,000.00 |
| ATM (Dom/Int’l) Monthly $ | $3,500.00 |
| PIN POS Monthly $ | $10,000.00 |
| Signature POS Monthly $ | $10,000.00 |
| POS Purchase with CashBack Monthly $ | $5,000.00 |
| Max number of RDC load monthly | 15 |
| Active cards with same ID # | 3 |
| # of companion cards allowed (See comment) | 2 |
| Cards to same IP Address | 3 |
| Cards to same device ID (Mobile application) | 3 |
| Cards to same physical address | 5 |
| Cards to same email address | 3 |
| Cards to same name w/DOB | 3 |
| Cards to same phone # | 3 |
| Cards to same online user name | 1 |
| Invalid/Excessive merchant refunds | $1,000.00 |
| MAXIMUM FEES ALLOWED | |
| Card Purchase Fee | $7.50 |
| Monthly Maintenance Fee | $0.00 |
| Inactivity Fee | $5.00 |
| Retail Reload | $2.00 |
| Card to Card – Debits | $0.50 |
| Card to Bank Transactions | $0.50 |
| Domestic POS PIN | $0.50 |
| Domestic OON ATM Cash Withdrawal | $2.95 |
| Domestic ATM Balance Inquiry | $0.25 |
| Domestic ATM Decline ***** | $0.25 |
| International ATM Cash Withdrawals | $5.00 |
| International ATM Balance Inquiry | $2.00 |
| International ATM Decline ***** | $0.50 |
| Foreign Transactions (Conversion) | 3% |
| OTC Teller Withdrawal | $1.50 |
| Lost/Stolen Replacement | $3.95 |
| Express Delivery (2-3 days) | $25.00 |
| Written Account History/Statement | $5.00 |
| Written Account History/Statement | 3 |
Fees & Limits
NOTES
*Mandatory limitations (hard limits) must be set at the Processor; soft limits if reached trigger additional due diligence review. Mitigation controls to monitor the activity will need to be implemented.
**Cannot charge a fee for inactivity and a fee for maintaining a card in the same month
***Provided this is not expressly prohibited by state law-APPLIES TO ALL FEES
****Bank Teller Withdrawal-Payroll must allow 2 free withdrawals per month
*****POS decline fees & ATM decline fees: Program Manager/Processor must refer to the CBKC Payment Card
Policy under the “Decline Fees” section for the mandatory requirements/restrictions regarding allowable decline fees.
-Not applicable means it does not apply to the program or program does not allow that feature
