Xpectations!® Plus

Green Dot

About this app

The convenience and value of a mobile bank account is now available in an innovative app to help Xpectations! Plus customers manage their money, access full account features and get the protection they deserve.

Xpect more with improved features, enhanced protection and low fees with the Xpectations! Plus Debit Card:
• Free reloads at PLS when you load cash onto your Xpectations! Plus Debit Card¹
• No monthly fees with $500 of eligible direct deposits²
• $0 Purchase Transaction Fees³
• Free nationwide ATM network, including all PLS stores⁴
• Get your payroll up to 2 days early, or government benefits up to 4 days early with direct deposits⁵
• Overdraft protection up to $200 with opt-in and eligible direct deposits⁶
• Keep your money safe - lock and unlock your card⁷, contactless chip-enabled card, receive fraud text alerts⁸
• High-yield savings account 1.00% APY, based on 0.99% interest rate up to $10,000⁹
• Transfer money from your linked debit card or bank account¹⁰

Visit PLScard.com to learn more or stop into any PLS store to apply for an Xpectations! Plus Debit Card. Most stores open 24/7.

Online access and identity verification (including Social Security, TIN or select US ID type or Foreign ID types) is required for card activation and to open an account. Mobile number or email address verification and mobile app are required to access all features.
1. There is no charge for cash reloads at PLS Check Cashers locations. Individual retailers other than PLS Check Cashers locations may charge a fee.
2. Monthly fee waived whenever you receive payroll or government benefits direct deposits of $500 or more in the previous monthly statement period. Otherwise, $5 per month.
3. There are no pay per use fees on purchase transactions when you use your Xpectations! Plus Debit Card.
4. See app or website for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.
5. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name, Social Security, TIN or select US ID type or Foreign ID type number on fi­le with your employer or benefits provider must match your Xpectations! Plus Debit Card account to prevent fraud restrictions on the account.
6. Up to $200 overdraft protection with opt-in and eligible direct deposits. Fees, terms & conditions apply.
7. Previously authorized transactions and deposits/transfers to your account will function with a locked card.
8. Message and data rates may apply.
9. Interest paid quarterly on the average daily balance of savings during the quarter up to a $10,000 average daily balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) and 0.99% interest rate are accurate as of April 2024 APY and interest rate may change before or after you open an account. See Deposit Account Agreement for terms and conditions.
10. Customer can transfer their funds from another debit card or bank account to their Xpectations! Plus Debit Card account in minutes for a small fee. Limits apply to bank transfers and are subject to your bank’s restrictions and fees. Bank account verification services provided by Plaid. Activated, personalized debit card required to make a bank transfer. See Deposit Account Agreement for terms and conditions at PLScard.com/agreements.

The Xpectations! Plus card is issued by Green Dot Bank d/b/a GO2bank, Member FDIC, pursuant to a license by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

©2024 PLS Financial Services, Inc. All rights reserved.
©2024 Green Dot Corporation. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.

Ratings and reviews

Unable to login. I continuously get the error message and locked out. I've changed my password so many times, and the app still gives me an error.

This app is starting to become a big joke! I'm CONSTANTLY having trouble logging in to see my account. This has been going on for several days now. Fix the is!

Strange app will not let me sign up, can't Set up the app, and the #I tried calling to set up tell's me to sign in WOW??? Without a account????? Strange...

What's new

Xpect More! We’ve made some enhancements in this latest release.