| ALL FEES | AMOUNT | DETAILS |
| Get started | ||
| Card 1st purchase | $0.00 | Physical cards will have no cost if you fund your account with at least $20. Otherwise, it would have a $5 charge. |
| 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 |
| Inactivity | $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 Tx. Available between 1 to 3 business days to most banks |
| Money Load - Same Day ACH debits from other banks | $1.99 | No charges within the first 6 months of the h.way launch. |
| Money Load - Scheduled ACH debits from other banks | $0.00 | No charges apply |
| Money Load with Debit card | Up to 2.00% | No charges apply until Jun 30th, 2023. |
| Money Load with Credit Card | 2.5% | |
| Money Load - Cash Deposit | Up to $1.99 | No charges apply until Jun 30th, 2023. |
| Money Transfer - Bank Transfer ACH | $0.00 | No charges apply. Transfers available between 1 to 3 business days to most banks. |
| Money Transfer – Instant ACH, RTP | $0.99 | |
| Money Transfer to Debit Cards | $0.99 | |
| Money Transfer to Credit Cards | 2.5% | |
| 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 | $0.99 | No charges apply until Jun 30th, 2023. |
| 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 | $0.25 | In addition to our fee, you may also be charged a fee by the bank operator, even if you do not complete a transaction. |
| Cash Withdrawal - POS Cash Back with QR | $1.00 | Using authorized Agents (Payout Networks). |
| Mobile Reload | $0.00 | No charges apply |
| Bill Payment Domestic | $0.00 | No charges apply |
| International Bill Pay | $0.99 | Available to some countries in LATAM, like Mexico |
| Cash Withdrawal - ATM withdrawal in-network (US) | $0.00 | In addition to our fee, you may also 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 | In addition to our fee, you may also be charged a fee by the ATM operator, even if you do not complete a transaction. |
| Cash Withdrawal - ATM withdrawal (declined US) | $0.00 | In addition to our fee, you may also 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 | $0.00 | 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. |
| Cross border - Send from US to Bank | Up to 2% | Based on Mastercard or Visa Foreign Exchange rates. |
| 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 and cash loads) |
$50,000.00 | ||||
| Money Loads | |||||
| Value Loads (Any combination of the load types) |
1 | $10,000.00 | |||
| Credits/Value Loads, from Bank Accounts (ACH) | 30 | 5 | $25.00 | $2,500.00 | $5,000.00 |
| Credits/Value Loads, from Debit Card | 30 | 5 | $25.00 | $1,000.00 | $2,500.00 |
| Credits/Value Loads, from Credit Card | 30 | 5 | $25.00 | $1,000.00 | $1,000.00 |
| Retail Cash deposits | 30 | 5 | $25.00 | $500.00 | $2,500.00 |
| Direct deposits (e.g., payroll) | 30 | 3 | $25.00 | $10,000.00 | $10,000.00 |
| Send and Request between h.way accounts /Transfers (P2P) | |||||
| Send money (Account to Account) |
1 | 20 | $2.00 | $1,000.00 | $2,500.00 |
| Request money (Account to Account) |
1 | 20 | $2.00 | $1,000.00 | $2,500.00 |
| Send to US Cards - OCT Domestic | |||||
| Send to a Card (Sender) | 1 | 10 | $2.00 | $1,000.00 | $1,000.00 |
| Receive in a Card (Receiver) | 1 | 20 | $2.00 | $1,000.00 | $2,000.00 |
| Send to a Card (Sender) | 7 | 20 | $2.00 | $1,000.00 | $2,500.00 |
| Receive in a Card (Receiver) | 7 | 20 | $2.00 | $1,000.00 | $5,000.00 |
| Send to a Card (Sender) | 30 | 50 | $2.00 | $1,000.00 | $5,000.00 |
| Receive in a Card (Receiver) | 30 | 50 | $2.00 | $1,000.00 | $10,000.00 |
| Withdrawals | |||||
| 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 | $2.00 | $2,500.00 | $2,500.00 |
| Global Remittances Transfers | |||||
| Send Money (All methods) |
1 | 5 | $25.00 | $1,000.00 | $5,000.00 |
| Receive Money | 1 | 5 | $25.00 | $1,000.00 | $9,999.001 |
| Send Money (All methods) |
7 | 5 | $25.00 | $1,000.00 | $5,000.00 |
| Receive Money | 7 | 5 | $25.00 | $1,000.00 | $9,999.001 |
| Send Money (All methods) |
30 | 10 | $25.00 | $1,000.00 | $9,999.001 |
| Receive Money | 30 | 10 | $25.00 | $1,000.00 | $9,999.001 |
| 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.
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