Need a Credit Card?

[Marblez]

For those of you that have no bank accounts for whatever reason and know how difficult it is to get along without a credit or debit card - including online purchases, hotel reservations, etc. I ran across this at Walgreens and then again at their website. It is similar to a secured credit card, but has some very distinct differences. Most banks will offer the Vist Gift card, this offers much, much more. Including an actual personalized card with the ability to reload. The actual card is mailed within 7 days.

• Purchase at any Walgreens.
• Reload at any Walgreens.
• Fees are $9.95 for activation and $4.95 to recharge.
• No credit check, no credit gain (or loss!!)
• No monthly bills.
• No finance charges.
• No bank account required.

Like most cards, it also:

• Works with Signature and or PIN purchases, including ATMs.
• comes in MasterCard or Visa
• allows you to track your spending by looking at your account online.

https://www.walgreens.com/store/promotion/g...an=slt_greendot

[ManicQueen]

Thats something I need at the moment until I can clean up my credit. Thanx for the info Marblez.

[Crazed Vampyress]

OMG you may have just saved my butt til i get this credit mess of mine cleared up. Im checking it out right now, thanks a ton!

[Marblez]

No problem, I'll be getting one mice elf!!

[Blackmail]

nice info marblez, it appears that you can also do direct deposit on the green dot card as well and avoid the reload fee.

[Crazed Vampyress]

No problem, I'll be getting one mice elf!!

<{POST_SNAPBACK}>

Let us know what you think of it, how it works out, if there are any quirks not listed....

[Marblez]

nice info marblez, it appears that you can also do direct deposit on the green dot card as well and avoid the reload fee.

<{POST_SNAPBACK}>

Really? take me to this holy grail of info.... ah nevermind. There's probably a green dot website, isn't there? I'll look for it my damn self.

I am actually interested in this possibility - specifically for my spending money. Cash is a wee too slippery for me and I am trying to stick to a budget.

ooh ohhhoh...I'll do another thread.

[Marblez]

What I am most curious about is...if the funds run out due to miscalculation or theft or whatever - does it just decline or will it release the funds and charge ridiculous fees for overdraw??

[Marblez]

Green Dot Card products can be found at the following retailers all across America.

Major Retail Partners include:

• Cumberland Farms

• CVS Pharmacy

• Dime Savings Bank

• Dollar General

• Eckerd Pharmacy

• Food Lion

• Hess

• Kum & Go

• Pantry

• Pathmark

• RadioShack

• Rite Aid

• Safeway Stores (Safeway, Vons, Pavillions, Dominicks, Randalls, Tom Thumb, Genuardis)

• Sunoco

• Walgreens

[Marblez]

Here is the schedule of fees for the Green Dot MasterCard product, (issued by citibank)::

Initial Purchase Fee $9.95 One-time charge for purchasing the Card. This fee may be reduced or waived altogether through rebates, promotions, or special programs.

ACH Load Fee Free Performing an ACH transaction, when you perform an electronic transfer from a Checking account, to load value onto the Card.

Refused ACH Fee $30.00 Charged if Cardholder tries to perform an ACH load onto the Card that is not accepted.

Retail Reload Fee $3.95-$5.95 Charged by independent retailer to reload Card at Green Dot® Financial Network locations. Fee is incurred every time the consumer reloads at retail locations.

ATM Withdrawal Fee $2.50 Charged for each ATM cash withdrawal transaction where the Card is accepted. If you conduct a transaction at an ATM that is not operated by Citibank, the operator of the ATM or any network utilized to effect the transaction may impose an additional fee.

Paper Statement Fee $2.00 Charged for each paper statement requested by the Cardholder and mailed to their address.

Debit Overdraft Fee $25.00 Charged if Cardholder performs a purchase that is greater than the funds available. (For example, if you use the Card to activate a gas station pump, and the total gas purchase is greater than the funds available on the Card.)

Lost Card Fee $10.00 Charged whenever a Cardholder cancels their Card and is issued a new Card with the remaining balance.

Express Delivery Fee $19.95 Charged whenever Cardholder selects express delivery to receive Card within 2-3 Business Days.

ATM Balance Inquiry Fee $0.50 Charged whenever a Cardholder performs a balance inquiry at an ATM.

Online Balance Inquiry Fee FREE Whenever a Cardholder logs on to the website to view Card balance.

Phone Balance Inquiry through automated system FREE If Cardholder calls and then selects the balance inquiry via automated phone response messaging.

Phone Balance Inquiry through Customer Service $1.00 Charged if a Cardholder calls, rejects the IVR and requests a balance inquiry from a live customer service representative.

Cash Advance Fee $4.00 Charged per cash advance obtained from a teller or other non-ATM cash system.

Card Liquidation Fee $10.00 Charged when a Cardholder requests to cancel the Card and receive any remaining balance mailed back as a check.

and the fine print:

This Cardholder Agreement, including the Schedule of Fees and Charges and the privacy policies of Citibank (USA), N.A. (“Citibank”), (this “Agreement”) sets forth the terms of your Citi® Prepaid MasterCard®. Please read it carefully and retain it for your records. Your Card is issued by Citibank (USA) N.A. and serviced by Green Dot Corporation (“Green Dot”).

By using or allowing another person to use the Card, you agree to the terms of this Agreement. If you do not with to agree to these terms, please do not use the Card, save any receipts you may, and cancel the Card by calling us at 1-800-619-0901 from within the US and 1-626-205-3015 from overseas. If you cancel your Card within 30 days of its purchase, we will refund your purchase fee, second Card or rush delivery fees assessed and any remaining value on the Card.

Definitions. In this Agreement, the words “you” and “your” mean the owner of the Card (“Cardholder”) and any persons authorized by the Cardholder to use the Card (“Authorized Users”). All Authorized Users must comply with all of the terms of this Agreement. “Citibank”, “we,” “us” and “our” mean Citibank (USA) N.A., anyone who is acting on our behalf or anyone to whom we assign our rights. “Activation Card” means the item you purchased from a sales agent bearing an Activation Number that allows you to obtain a Card. “Card” means the personalized Citi Prepaid MasterCard plastic card that is issued when you activate the Activation Card. “Activation Number” means the number printed on the Activation Card that is used when activating the Card. “Sales agent” means each distribution agent and retail outlet authorized by Green Dot to provide Cards for sale to the public. Note: Sales agents are not agents or representatives of Citibank and have no authority to bind Citibank or enter into any agreement on behalf of Citibank, with respect to the Cards or otherwise. “Green Dot” means Green Dot Corporation, the third party that administers the Card program. Green Dot provides certain support and marketing services for the Card.

Your Card. INTEREST WILL NOT BE PAID TO YOU FOR ANY VALUE LOADED ON YOUR CARD. THERE IS NO CREDIT CARD, CREDIT LINE, OVERDRAFT PROTECTION, OR DEPOSIT ACCOUNT ASSOCIATED WITH YOUR CARD.

Using Your Card. After the personalized Card is issued, you may use it to purchase goods and services anywhere MasterCard debit cards are accepted and to access cash at ATMs of financial institutions displaying the MasterCard name and/or logo. Your Card may also be used at PIN-based point of sale (POS) merchant locations and ATMs which accept cards with the NYCE® AND STAR® marks. Each time you use the Card to purchase goods or services, you authorize us to charge the amount against your Card’s available value.

There will be a fee charged for each ATM cash withdrawal transaction where the Card is accepted. If you conduct a transaction at an ATM that is not operated by Citibank, the operator of the ATM or any network utilized to effect the transaction may impose an additional fee.

You agree that you will: (i) not use the Card at gambling web sites or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any codes or numbers used to access Card funds; and (iv) use the Card only as instructed. We may refuse to process any transaction that we believe may violate the terms of this Agreement.

Your Representations and Warranties. By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or 19 if you reside in a state where the age of majority is 19); (ii) you are a U.S. citizen or legal alien residing in one of the 50 states or the District of Columbia; (iii) you have provided us with a verifiable U.S. street mailing address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card. If you are under age, your parent or guardian may enter into this Agreement, and you can become an Authorized User of the Card.

Information Collection. You will be asked to provide identification information during the activation process for Citibank. We will use the information to verify your identity and to process your Card transactions. Please see our Privacy Policy for further information.

Although no credit history is required to obtain a Card, you authorize us and Green Dot to obtain information about you from time to time from credit reporting agencies and other third parties to assist us in verifying your identity, to prevent fraud, and to investigate potential misuse of the Card.

You agree that we may monitor and record your telephone and electronic communications with us at any time, without further notice to you or any party to the communication.

Adding Value to the Card. Value will be “loaded” or added to the Card after the Activation Card has been activated and the authenticity of the Card and/or “load” instruction has been verified. You can add additional (“reload”) value to your Card by going back to the retailer where the Card was purchased or by following the directions supplied with the Card. A reload fee may apply for each reload. The minimum initial load is $20; the maximum amount is $200. The maximum amount of value that can reside on the Card at any time is $500. We may increase or decrease these limits from time to time in our sole discretion upon notice to you. We also may limit the number of Cards provided to you. We reserve the right to accept or reject any request to load value to the Card at our sole discretion. The Card may only be reloaded by the Cardholder. No Authorized User may reload funds to the Card.

Authorization Holds. When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your Card's funds for the amount indicated by the merchant. We also may add an amount for certain merchants to ensure that sufficient funds will be available to cover the final transaction. For example, certain merchants who authorize high dollar amounts, especially rental car companies and hotels, may cause an “authorization” or a “hold” on your available balance for up to 90 days. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your Card for the correct amount of the final transaction, however, and we will release any excess amount when the transaction finally settles. Please note that we cannot release holds without a certified letter or fax from the merchant.

Your Obligation for Overdrafts. You should maintain sufficient value on your Card to pay for each transaction. You may not make purchases that exceed the value available on the Card up to a maximum of $500 per calendar day. If a merchant attempts to process a transaction for more than the value available on the Card, the transaction may be declined. If you conduct transactions in an amount that exceeds the value on your Card, you agree to pay us the overdrawn amount plus any overdraft fees immediately, without further demand. We may deduct the overdraft amount from any current or future funds on this or any other Card you activate or maintain.

Refunds. Any refund for goods or services purchased with the Card will be made in the form of a credit to the Card. You are not entitled to receive a cash refund.

Disputes with Merchants. Neither we nor Green Dot are responsible for the delivery, quality, safety, legality or any other aspect of goods and services that you purchase from others with a Card. All such disputes should be addressed to the merchants from whom the goods and services were purchased.

Cancellation and Suspension. We reserve the right, in our sole discretion, to limit your use of the Card. We may refuse to issue a Card or cancel an existing Card with or without cause or notice, other than as required by applicable law. If you would like to cancel the use of your Card, call Citibank at 1-800-619-0901. If we decide to cancel or suspend use of the Card, we will attempt to contact you by phone or notify you by electronic mail. You agree not to use or allow others to use an expired, revoked, cancelled, suspended or otherwise invalid Card. Cancellation of the Card will not otherwise affect your rights and obligations under this Agreement. If a Card is cancelled or suspended through no fault of yours, you will be entitled to a refund of any remaining balance less any fees and expenses owed to us, as provided in this Agreement.

Card Expiration. Subject to applicable law, you may use the Card only through its expiration date. If you attempt to use the Card after the expiration date, the transactions may not be processed.

Life of Card. The Card is good for at least one year from the date of first activation, as long as you maintain a balance of any amount. If your Card has a zero or negative balance, we may, at our option, cancel your Card without notice. Once the Card has expired for any reason, it cannot be renewed or reloaded.

Disposition of Funds Upon Expiration. If there is a balance remaining on the Card upon expiration, the balance will be transferred to a new Card if we choose to issue one to you. We will issue you a new Card as long as you (1) have had activity on the Card in the last 90 days, 2) your Card has a balance greater than zero and (3) your Card is in good standing. If we do not choose to issue a new Card to you we will attempt to refund to you the balance remaining on the Card less any fees and expenses owed to us. A check made payable to you may be mailed to the owner of the Card at the latest postal address reflected in our records.

Address for Mailings. Any refunds for cancelled or expired Cards will be mailed to the Cardholder at the latest postal address in our records.

Our Business Days. Our business days are seven days a week, excluding federal holidays.

Fees and Charges. We will charge you, and you agree to pay, the fees and charges set forth in the Schedule of Fees and Charges. We normally deduct fees and charges automatically from the Card balance at the time a fee or charge is incurred.

Unclaimed Property. If we have no record of Card activity for several years, applicable law may require us to report the balance on the Card as unclaimed property. If this occurs, we may try to locate the owner of the Card at the address shown in our records. If we are unable to locate you, we may be required to deliver any value remaining on the Card to the state as unclaimed property.

Card Information. You can obtain information about the current available balance on your Card and a description of past charges and credits by calling Citibank Customer Service at 1-800-619-0901 or visiting www.citi.greendotonline.com. A charge may apply for balance inquiries that are made by telephone (See the Schedule of Fees and Charges).

ATM Receipts. You can get a receipt at the time you make any withdrawal with your Card using one of our ATMs.

Periodic Statements. Periodic statements are made available each month at the www.citi.greendotonline.com website, unless there are no transactions in a particular month. If you wish to receive a paper periodic statement instead of an electronic periodic statement, you may elect this option by writing to Paper Statement Request, Citibank, P.O. Box 1187, Monrovia, California 91017. Please include your name, Card number and the secret word used during the set-up and activation of the Card. If you elect to receive paper statements, we will assess a fee for each paper statement we send you. You agree that these are reasonable procedures for sending and receiving periodic statements. You should review your periodic statement monthly.

Information on Foreign Currency Conversion Procedures. If you make a transaction in a foreign currency, other than a cash advance or withdrawal made at a branch or ATM of MasterCard, MasterCard converts the amount into U.S. dollars. MasterCard will comply with their operating regulations or foreign currency conversion procedures then in effect. MasterCard currently uses a conversion rate in effect one day prior to its transaction processing date. Such rate is either a wholesale market rate or the government-mandated rate.

If a cash advance or withdrawal is made in a foreign currency at a branch or ATM of MasterCard, the amount is converted into U.S. dollars by MasterCard in accordance with its foreign currency conversion procedures then in effect. MasterCard currently uses a conversion rate in effect on its applicable processing date. Such rate is either a mid-point market rate or the government-mandated rate.

The foreign currency conversion rate in effect on the applicable processing date for a transaction may differ from the rate in effect on the Pending or Posted Transaction date on your periodic statement for that transaction. We will charge a foreign transaction fee to your Card of 1% of the transaction amount for both debits and credits.

Notice of Lost or Stolen Cards/Unauthorized Activity. You agree to notify us of the loss, theft or unauthorized disclosure of any number, secret word or code that might be used to access Card funds. If you believe the Card has been lost or stolen or that someone has transferred or may transfer value from the Card without authorization, contact us at the address or phone number listed below in “In Case of Errors or Questions About Card Transactions.” Do not use the Card after we have been notified, even if it has been found or returned.

You agree to cooperate with us and Green Dot in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Card. If you authorize another person to use the Card, you agree to be liable for all transactions arising from the use of the Card by that person, to the fullest extent permitted by law.

Our Liability for Failing to Make Transfers. If we do not complete a transaction to or from the Card on time or in the correct amount according to our Agreement with you, we may be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

(a) if, through no fault of ours, your Card funds are insufficient for the transaction or are unavailable for withdrawal (for example, because they have not been finally collected or are subject to legal process);

(b) if a computer system, ATM, or POS terminal did not have enough cash or was not working properly and you knew about the problem when you started the transaction;

© if a merchant refuses to honor the Card;

(d) if circumstances beyond our control or natural disasters (such as fire, flood, terrorist attack or national emergency) prevent the transaction, despite reasonable precautions that we have taken;

(e) if you attempt to use a Card that has not been properly activated;

(f) if a Sales Agent where the Card was either purchased or loaded did not properly transmit information to Green Dot;

(g) if the Card has been reported as lost or stolen, has been suspended by us, we have reason to believe the transaction is not authorized by you or if you are trying to defraud us; or

(h) as otherwise provided in this Agreement.

In Case of Errors or Questions About Card Transactions. Failure to review your periodic statement may have financial consequences. If you think your periodic statement or any receipt you receive, in connection with your Card, is wrong or if you need more information about a transaction listed on the periodic statement or receipt, please contact Green Dot as soon as you can at 1-800-619-0901, or write to Citibank Customer Service, P.O. Box 1187, Monrovia, California 91017. We must hear from you no later than 60 days after we made available the FIRST periodic statement on which the problem or error appeared. When notifying us: (i) tell us the name, address, and Card number of the Cardholder; (ii) describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and (iii) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit the Card within 10 business days for the amount you think is in error so that you will have the use of the value during the time it takes us to complete the investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit the Card. We will tell you the results within three business days after completing our investigation and we will correct any error promptly. For errors involving point-of-sale or foreign initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Cards, we may take up to 20 business days to credit your Card for the amount you think is in error. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Your Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen. Telephoning us at 1-800-619-0901 is the best way of keeping your possible losses down. You could lose all the money on your Card. If you tell us within two business days, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. (Note: If your Card is a MasterCard Card, you will not be liable for the amounts stated above if: your Card is in good standing; you have not reported more than two incidents of unauthorized use in the preceding 12 months; and you have exercised reasonable care in safeguarding your Card from risk of loss or theft. You agree that any unauthorized use does not include use by a person to whom you have given authority to use the Card or PIN and that you will be liable for all such use by such person.

Also, if your periodic statement shows transactions that you did not make, tell us at once. If you do not tell us within 60 days after the periodic statement was made available to you, you may not get back any Card value you lost after the 60 days if we can prove that we could have stopped someone from taking the Card value if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Card Exclusions and Limitations

Recurring Transactions

You may not make pre-authorized regular payments through the use of your Card.

Merchants Illegal for Minors. The Card may not be accepted by certain types of merchants whose goods or services are not legal for minors. Examples of such merchants include casinos, gambling web sites, and adult entertainment merchants. If you purchased the Card to use specifically at these types of merchants, you may not be satisfied with the Card and we recommend that you ask the customer service representative for a full refund prior to Card activation.

Applicable Law. The terms and enforcement of this Agreement shall be governed by federal law and the law of South Dakota, where we are located.

Assignability. You may not assign or transfer this Agreement or any of your rights or obligations under this Agreement. Any attempt to the contrary shall be null and void. This Agreement shall be binding on you, your executors, administrators, and any permitted assigns. We reserve the right to assign any or all of our rights and obligations under this Agreement to a third party.

Entire Agreement. This Agreement sets forth the entire understanding and agreement between you and us, whether written or oral, with respect to its subject matter and supersedes any prior or contemporaneous understandings or agreements with respect to their subject matter.

Severability. If any of the terms of this Agreement are invalid, changed by applicable law or declared invalid by order of court or regulatory authority, the remaining terms of this Agreement shall not be affected, and this Agreement shall be interpreted as if the invalid terms had not been included in this Agreement.

Disclaimer of Warranties. EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, WHETHER EXPRESS OR IMPLIED, REGARDING THE CARD, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

ARBITRATION. PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES.

Agreement to Arbitrate: Either you or we may, without the other’s consent, elect mandatory, binding arbitration for any claim, dispute, or controversy between you and us (called “Claims”).

Claims Covered

What Claims are subject to arbitration? All Claims relating to your Card or our relationship are subject to arbitration, including Claims regarding the application, enforceability, or interpretation of this Agreement and this arbitration provision. All Claims are subject to arbitration, no matter what legal theory they are based on or what remedy (damages, or injunctive or declaratory relief) they seek. This includes Claims based on contract, tort (including intentional tort), fraud, agency, your or our negligence, statutory or regulatory provisions, or any other sources of law; Claims made as counterclaims, cross-claims, third-party claims, interpleaders or otherwise; and Claims made independently or with other claims. A party who initiates a proceeding in court may elect arbitration with respect to any Claim advanced in that proceeding by any other party. Claims and remedies sought as part of a class action, private attorney general or other representative action are subject to arbitration on an individual (non-class, non-representative) basis, and the arbitrator may award relief only on an individual (non-class, non-representative) basis.

Whose Claims are subject to arbitration? Not only ours and yours, but also Claims made by or against anyone connected with us or you or claiming through us or you, such as an Authorized User, an employee, agent, representative, affiliated company, predecessor or successor, heir, assignee, or trustee in bankruptcy.

What time frame applies to Claims subject to arbitration? Claims arising in the past, present, or future, including Claims arising before the activation of your Card, are subject to arbitration.

Broadest interpretation. Any questions about whether Claims are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. This arbitration provision is governed by the Federal Arbitration Act (the “FAA”).

What about Claims filed in Small Claims Court? Claims filed in a small claims court are not subject to arbitration, so long as the matter remains in such court and advances only an individual (non-class, non-representative) Claim.

How Arbitration Works

How does a party initiate arbitration? The party filing an arbitration must choose one of the following two arbitration firms and follow its rules and procedures for initiating and pursuing an arbitration: American Arbitration Association or National Arbitration Forum. Any arbitration hearing that you attend will be held at a place chosen by the arbitration firm in the same city as the U.S. District Court closest to your then current billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the arbitration firms and forms and instructions for initiating an arbitration by contacting them as follows:

American Arbitration Association

335 Madison Avenue, Floor 10

New York, NY 10017-4605

Web site: www.adr.org

National Arbitration Forum

P.O. Box 50191

Minneapolis, MN 55405

Web site: www.arbitration-forum.com

At any time you or we may ask an appropriate court to compel arbitration of Claims, or to stay the litigation of Claims pending arbitration, even if such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Even if a party fails to exercise these rights at any particular time, or in connection with any particular Claims, that party can still require arbitration at a later time or in connection with any other Claims.

What procedures and law are applicable in arbitration? A single, neutral arbitrator will resolve Claims. The arbitrator will be either a lawyer with at least ten years experience or a retired or former judge, selected in accordance with the rules of the arbitration firm. The arbitration will follow procedures and rules of the arbitration firm in effect on the date the arbitration is filed unless those procedures and rules are inconsistent with this Agreement, in which case this Agreement will prevail. Those procedures and rules may limit the discovery available to you or us. The arbitrator will take reasonable steps to protect customer account information and other confidential information if requested to do so by you or us. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, will honor claims of privilege recognized at law, and will have the power to award to a party any damages or other relief provided for under applicable law. You or we may choose to have a hearing and be represented by counsel. The arbitrator will make any award in writing and, if requested by you or us, will provide a brief statement of the reasons for the award. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, or on the resolution of any other dispute.

Who pays? Whoever files the arbitration pays the initial filing fee. If we file, we pay; if you file, you pay, unless you get a fee waiver under the applicable rules of the arbitration firm. If you have paid the initial filing fee and you prevail, we will reimburse you for that fee. If there is a hearing, we will pay any fees of the arbitrator and arbitration firm for the first day of that hearing. All other fees will be allocated as provided by the rules of the arbitration firm and applicable law. However, we will advance or reimburse your fees if the arbitration firm or arbitrator determines there is good reason for requiring us to do so, or if you ask us and we determine there is good reason for doing so. Each party will bear the expense of that party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, but a party may recover any or all expenses from another party if the arbitrator, applying applicable law, so determines.

Who can be a party? Claims must be brought in the name of an individual person or entity and must proceed on an individual (non-class, non-representative) basis. The arbitrator will not award relief for or against anyone who is not a party. If you or we require arbitration of a Claim, neither you, we, nor any other person may pursue the Claim in arbitration as a class action, private attorney general action or other representative action, nor may such Claim be pursued on your or our behalf in any litigation in any court. Claims, including assigned Claims, of two or more persons may not be joined or consolidated in the same arbitration. However, applicants, co-applicants, authorized users on a single account and/or related accounts, or corporate affiliates are here considered as one person.

When is an arbitration award final? The arbitrator’s award is final and binding on the parties unless a party appeals it in writing to the arbitration firm within fifteen days of notice of the award. The appeal must request a new arbitration before a panel of three neutral arbitrators designated by the same arbitration firm. The panel will consider all factual and legal issues anew, follow the same rules that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Costs will be allocated in the same way they are allocated for arbitration before a single arbitrator. An award by a panel is final and binding on the parties after fifteen days has passed. A final and binding award is subject to judicial review and enforcement as provided by the FAA or other applicable law.

Survival and Severability of Terms

This arbitration provision shall survive: (i) termination or changes in the Agreement, the Card, or the relationship between you and us concerning the Card; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed with respect to your Card, to any other person or entity. If any portion of this arbitration provision is deemed invalid or unenforceable, the entire arbitration provision shall not remain in force. No portion of this arbitration provision may be amended, severed or waived absent a written agreement between you and us.

Limited Liability. WE WILL NOT BE LIABLE TO YOU FOR: DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; THE FAILURE OF MERCHANTS TO HONOR THE CARD; THE FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES; COMMUNICATION SYSTEM FAILURES; OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, OR ANY PAYMENT SYSTEM. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOUR RECOVERY FOR ANY ALLEGED NEGLIGENCE OR MISCONDUCT BY CITIBANK OR GREEN DOT SHALL BE LIMITED TO THE TOTAL AMOUNT LOADED ON THE CARD.

Delay of Rights. Citibank can waive or delay enforcement of any of its rights under this Agreement without losing them.

Notices. We may send notices to you at the last postal or e-mail address reflected for you in our Card records. Notices sent to any of you shall be deemed given to all of you. If your e-mail or postal address changes, you agree to notify Citibank Customer Service immediately. Failure to do so may result in Card information being mailed to the wrong person or your transactions being declined at the point-of-sale.

Change in Terms. Subject to the limitations of applicable law, we may at any time add to, delete or change the terms of this Agreement by sending you a notice. Advance notice may not be given, however, if we need to make the change immediately in order to maintain or restore the security of the Card or any related payment system. If any such change becomes permanent and disclosure to you of the change would not jeopardize the security of the Card or any related payment system, we will provide notice to you within 30 days from the making of the change. If you do not wish to accept new terms, you may obtain a refund of any available funds less any fees and expenses owed to us on your Card. Unless we notify you otherwise, use of the Card after the effective date of the change shall be deemed acceptance of the new terms.

Questions. Please see the information provided by Citibank (below) regarding the operation of your Card. If you have questions regarding your Card, you may call Citibank at 1-800-619-0901 or write to Citibank Customer Service, P.O. Box 1187, Monrovia, California, 91017.

[Ginevra]

It's basically a pre-paid Visa or Mastercard, is what it boils down to. Like a Traveler's Check but actually more easily accepted.

[Blackmail]

https://web1.greendotonline.com/Contents/Products.aspx

it says:

"Get FREE Direct Deposit and load any amount of your paycheck directly to your Card "

But wait, it gets better:

https://web1.greendotonline.com/contents/Login.aspx