- not payable to you (even if signed over to you)
- payable to more than one person (even if you are one of the names on the check)
- payable to "Cash" or "Self"
- payable in a foreign currency
- drawn on a bank outside the U.S.
- that are not dated, are postdated, or more than 90 days old
- that are irregular in any way (for example, where the numerical and written amounts are different)
- that have previously been cashed or deposited (either in paper form or electronically) or returned unpaid for any reason
- you suspect to be fraudulent, forged, altered or not properly authorized
- that do not have the signature of the person who wrote you the check
- that exceed the deposit limits set for mobile deposits
- Registered government warrants
- Demand drafts
Do I need to sign the back of my check?
Yes. You must sign the back of the check and write "for mobile deposit only" above your signature clearly in blue or black ink or it will not be accepted. Make sure your signature is a reasonable size.
What’s the best way to get a good picture of my check?
Here are some tips:
- Place your check on a flat surface with a dark background and good lighting.
- Make sure all 4 corners of the check are in the camera view.
- Focus your camera by holding your phone steady, tap the area on the screen that you’d like the camera to focus on, and snap the photo.
NOTE: Some phones automatically store photos taken on the device. For security reasons, please ensure photos of your check aren’t saved to your phone or online storage.
How long should I keep my check after I submit it?
Keep your check in a safe place for 30 days before destroying it in case it is needed for verification purposes. Once you deposit a check with us, you can’t cash it anywhere else.
Can I cancel a pending deposit?
No. Once you submit a deposit, it cannot be canceled.
How to Make Purchases
A merchant keeps charging my card every week/month. Why?
These may be recurring transactions which are automatically charged to your card. Examples of merchants that may use recurring transactions include video rental services, internet service providers, health clubs, insurance companies, or cable TV services. Contact the service provider or merchant directly if you want to cancel these services.
Are there any merchants where I can’t use my card?
Turbo Card may not be used at certain types of merchants such as casinos and gambling web sites.
It is the policy of some merchants to not accept prepaid cards. Check with the merchant before attempting to make a purchase.
The Turbo Card is also not designed for business use and we may close your card if you use it for business purposes. We may block card usage in some countries due to fraud or security concerns.
What happens when I use my Turbo Card at a gas station?
Paying at the pump with the credit function may cause up to a 7-day hold because you swipe and authorize your card before pumping. To be charged the exact amount you pump, choose debit and use your PIN. You can also pay the attendant and be charged the exact amount you pump.
What happens when I use my Turbo Card at a restaurant?
Restaurants will verify if you have enough money on your card for the dining bill, plus an estimated tip. This amount may be held for up to 7 days or until the actual transaction is posted to your card. The funds are held and unavailable for other purchases.
Can I use my card to rent a car?
Your Turbo Card may be used to rent a car, but rental car companies "authorize" (have money held) for much more money than the actual cost of the rental car. The reason is that the rental car company won't know if they need to charge you for additional expenses like gas, car damage, or extra days until you return the vehicle. These authorized funds will be held and unavailable for you to spend until the final transaction is posted to your statement. This means that you might not have access to these funds for as long as 90 days. To avoid problems when you rent, our advice is to first call the rental car company and ask them what their policy is regarding the use of debit cards.
What happens when I use my Turbo Card to reserve or pay for a hotel bill?
Hotels put a hold on the amount of your estimated bill, making that amount unavailable for other purchases. When you check out, the hold will take up to 10 days to be removed.
What if I return merchandise?
Merchants are responsible for crediting your card. Store return policies may vary. If a merchant cancels a transaction before it is posted, it may take up to 10 days for the authorization hold to be removed from your card. During this time, you will not have access to these funds.
If you receive a credit on your card and you did not make the original purchase using your card, your card will be suspended from use, and we will request additional documentation to reinstate the card.
What are pending transactions?
Pending transactions are transactions in which your card may be authorized or have money held for more than the actual amount of the purchase until the final transaction is complete - meaning that those authorized dollars are not available for you to spend elsewhere.
What are posted transactions?
Posted transactions are purchases, bill payments, and credits that have been processed by the merchant's bank. In most cases, it takes about a day or two for the transaction amount to be deducted or credited to your account after a transaction is made. When the transaction has finished processing, the status changes from "pending" to "posted" on your transaction history.
How to Pay Others
How can I pay bills or send money?
You can use your personalized Turbo Card to pay for all types of one-time or recurring payments. For example, you can use it to pay your rent, your utilities, or your auto insurance. You can also send money to friends and family.
How can I pay my rent, my utilities, or other bills?
You have many options using your personalized Turbo Card:
- Online Bill Pay Service
- Use our Online Bill Pay Service to set up a one-time or recurring payment to your landlord or any other company or person.
- There is no fee to use the service. Learn more.
- Teller cash withdrawal
- Use your personalized card at a bank teller to withdraw cash.
- Up to a $3.00 fee per teller transaction.
How can I send money to friends and family?
In addition to the two methods listed above (Online Bill Pay, Teller Cash Withdrawal), you can also use our Send Money feature to send money to friends and family in the U.S. Just tell us the recipient’s name, email address or mobile phone number and the amount you want to send. Recipients can receive the money to a Green Dot Bank-issued card. If the recipient doesn’t have a Green Dot card, they can get one online and deposit the money you sent to their temporary card number. Learn more.
Send Money (Person-to-Person Transfers)
Note that only personalized cards are eligible to use the Send Money feature.
Can I send money to someone outside the U.S.?
No. The Send Money feature is limited to U.S. residents.
How can I cancel a Send Money transaction?
You can only cancel a Send Money transaction which is listed as “Unclaimed.” To cancel, go to the transaction in the Home Overview page, click “Cancel,” then confirm the cancellation.
If the transaction has already been claimed, or has any other status such as Expired, Rejected or Cancelled, you cannot cancel it.
How can the recipient receive the money I sent?
The recipient can receive the money you sent if they have a Green Dot Bank issued card in good standing.
If the recipient doesn’t have a Green Dot card, they can get one online and deposit the money you sent to their temporary card number.
Activated personalized card required to receive money.
What can I do if the recipient does not receive a notification?
You should first ask the recipient to check their spam or junk folder (if sending by email) or their cell reception (if sending by text message). If the recipient still does not receive the notification, you can cancel the original Send Money transaction and try again.
What can I do if I sent money to the wrong email address or cell phone number?
If you have sent money to the wrong email address or cell phone, you should cancel that transaction right away. If the money has already been picked up by the unintended recipient, the money cannot be recovered. To avoid this, always make sure to double check the recipient information before sending money.
Online Bill Pay Service
Is there a fee for the Online Bill Pay Service?
Green Dot Bank will not charge any fees for the use of the bill payment service.
How do I get started with online bill payment?
Select Pay Bills & People then Bill Pay from the navigation menu
Click the "Sign Up Now" button on the right side of the page.
After you have accepted the legal agreements and verified your email address, you will be ready to pay bills using your card.
Who can I pay?
You can pay anyone in the United States that you would normally pay by check or automatic debit. Thousands of billers who accept electronic payments are supported, including many utility companies, cell phone providers, and others. You can view a complete list of billers when you add your first payee. If your biller accepts electronic payments, your payment can often be made as early as the next business day as long as you submit your payment request prior to 1:00pm ET.
You can also send paper checks to companies or individuals. This might include rent checks to your landlord, the payment to your paper deliverer, or a gift for grandma. Paper checks are sent via US mail so delivery timeframes vary, but are usually within 5 business days. Please plan your payments accordingly. You may not send payments to any recipient outside of the United States.
When will my payees receive their money?
Each time you submit a bill payment, you will be able to see both the debit date — the date the funds will be removed from your card balance and the payment date — the earliest day that the biller may receive the bill payment.
If your payee is included in our list of thousands of billers who accept electronic payments, your payments may arrive as early as the next business day, as long as you submit your request for payment before 1:00 pm ET. If you submit your request for payment after 1:00 pm ET, your electronic payment will be received by the biller on the second business day after your scheduled payment.
You also have the ability to schedule any payment to arrive on any future business day, up to a year in advance. Our payment calendar allows you to view the date your money will leave your card, as well as the earliest date your money may be received by your payee.
What happens if there is not enough money to cover a payment?
It is your responsibility to make sure there are sufficient funds in your account before 1:00pm ET on the date the payment is scheduled for debit from your account.
If you schedule a payment prior to 1:00pm ET today with a debit date of today, we will attempt to process the payment immediately, or on the next business day if today is not a business day. If there are not enough funds to cover the payment, you will see a message that the payment was declined.
If a payment fails due to insufficient funds, you can deposit money into your account and resubmit the payment with the same debit date if the additional funds are deposited prior to 1:00pm ET. If your additional funds are deposited after 1:00pm ET, you will need to resubmit your payment with a debit date of the following business day. Please check that the funds have been posted to your account prior to resubmitting the payment.
If you have scheduled a payment for a future date, we will attempt to authorize the payment on that future date. If there are not enough funds to cover the payment by 1:00pm ET on that date, then the bill payment will fail and we will send you a failure notification by e-mail. You should check your e-mail to ensure that your scheduled future payments are made.
You must provide a valid e-mail address when you enroll for Online Bill Pay. E-mail is the only means by which we communicate payment failure notifications.
ATM Usage and Personal Identification Number (PIN)
Can I withdraw cash from ATM machines and banks with my card?
Yes, with a personalized card you can perform ATM transactions. You will create a 4-digit PIN (personal identification number) when you activate your personalized card.
I forgot my PIN. How do I reset it?
If you forget your PIN or would like to change it, you can make the change by logging in to the Turbo Card App.
What are the ATM fees and limits?
Turbo Card Mobile App
Where can I download the Turbo Card mobile app?
You can download the Turbo Card mobile app for free from the App Store or Google Play.
What can I do with the Turbo Card app?
With the Turbo Card mobile app you can:
- Check your balance and transaction history
- Locate an ATM
- Deposit checks*
*Optional services, features or products may require additional customer verification and will require your acceptance of those applicable fees, terms and conditions.
Account Information On-Demand
How can I get my balance, view my transaction history, or get other information using my mobile phone?
Use your mobile phone to get important account information like account balance, transaction history or even nearby ATMs. Once you're enrolled to receive text alerts, use the text commands below, and we'll text you the information you need. Carrier message and data rates apply. Enroll now.
If you want to: Text this command to 73702 Get your available balance “BAL XXXX” (XXXX is the last 4 digits of your card number) See your transaction history for the last 30 days “HIST XXXX” (XXXX is the last 4 digits of your card number) Find a reload location “LOC ZZZZZ” (ZZZZZ is the zip code or city, state) Find nearby ATMs
Refer to your Fee Plan for applicable ATM fees“ATM ZZZZZ” (ZZZZZ is the zip code or city, state) Show the text commands above HELP Stop receiving all text alerts STOP Account Alerts
What are Account Alerts?
Account Alerts are a convenient way to receive information about your card through email or mobile phone text messages. Set up alerts to keep track of your card balance, purchases, direct deposits and other card activity. We do not charge accountholders to receive a text message. Carrier message and data rates apply. Get started now.
What types of Account Alerts can I get?
- Daily Balance: Get your balance sent to you every day.
- Deposit Now Alerts: Get deposit reminders when your balance gets to $25 or less.
- Direct Deposit: Get a notification when a direct deposit is posted to your card.
- Purchase Reminder: Receive a notification when your card is used to make a purchase over an amount that you set.
We do not charge accountholders to send text messages. However, carrier message and data rates apply. Get started now.
Why does the balance on my account alert differ from what is shown online and over the automated telephone service?
The balance shown in each alert is current as of the date and time displayed in the alert. To get your up-to-date balance, you may also send a text message to get balance information on-demand. See text commands.
Carrier message and data rates apply.
How do I cancel Account Alerts?
You can turn off mobile phone and email alerts at any time through our website. Select the Account Alerts you want to stop. To stop all alerts to your mobile phone, text STOP to 73702.
Turbo Card Vault
What is the Turbo Card Vault?
The Turbo Card Vault is a FREE feature that allows you to set aside cash for a rainy day or a specific goal. Use it to stash cash for safe keeping, emergencies, or future purchases. Money in your Vault cannot be spent on purchases or cash withdrawals until you move the money out of the Vault. You can move funds in and out of your Vault as often as you like. There are no additional fees to use the Vault, but money in your Vault does not earn interest. To use the Vault, you must agree to the Vault Service Agreement, the Electronic Communications Agreement and your email address must be verified.
How can I access my Turbo Card Vault?
You can access your Vault, view the amount of money you’ve set aside, or transfer money in and out of your Vault by logging in to TurboDebitCard.com or our mobile app. Don’t have the mobile app? Get it on the App Store or Google Play.
Are there fees related to the Turbo Card Vault?
There are no fees associated with using the Vault.
Is there a limit to how much money I can set aside in my Turbo Card Vault?
Money that is set aside in your Vault is included in your total card balance limit. The amount in your Vault plus the amount of your available card balance cannot exceed your card balance limit. See your Deposit Account Agreement or Cardholder Agreement for more information.
How can I spend the money in my Turbo Card Vault?
Money in your Vault cannot be spent on purchases or cash withdrawals. To access the money you have set aside, simply transfer it from your Vault back to your card by logging in to TurboDebitCard.com or using the Turbo Card app.
