CARD.com Premium Banking

CARD.com

About this app

CARD Premium Bank Account by Pathward offers all the premium banking features:
1. Get paid up to 2 days faster with QuickPay**
2. Optional overdraft protection***
3. Optional savings account with round ups ****
4. Funds are FDIC insured through Pathward *****
5. Over 32,000 fee-free MoneyPass® ATMs
6. No minimum balance. No Credit Check.
7. Compatible with Apple Pay®, Google Pay®, Venmo®, CashApp® and more

Plus, over 12,000 card designs for your debit card. All for $0 Monthly Fee*.

The Card Premium Bank Account is a checking account established by, and the Premium Visa Debit card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc, and can be used everywhere Visa debit cards are accepted.

*. While this specific feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Account. See the Accountholder Agreement for more details.
**. Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer's support of the feature and timing of payer's funding.
***. Overdraft Protection ("ODP") is an optional service made available to eligible CARD Premium Bank Account by Pathward Customers. Once you enroll and meet the eligibility requirements, you will be charged $15.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of four (4) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance. Transactions subject to an overdraft fee are signature and PIN purchase transactions. ATM transactions and ACH Debit transactions are not eligible for coverage. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we typically will not pay overdrafts if you fail to meet the eligibility requirements for this service or you attempt too many transactions or transactions that create too large of an overdraft. Contact Customer Service at [phone] or log in to your Online Account Center for additional terms and conditions that apply, including initial and ongoing eligibility requirements for the service. This service may be expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your account even if you opt-out of the service.
****. The Savings Account linked to your CARD Premium Bank Account by Pathward is established by Pathward, N.A., Member FDIC. Interest is calculated on the Daily Balance of the Savings Account and is paid quarterly. The interest rate paid on the entire balance will be 0.0499% with an annual percentage yield (APY) of .05%. The interest rate and APY may change. The APY was accurate as of 08/17/2020. The minimum balance required to open the Savings Account is $10. The minimum daily balance required to obtain the advertised APY is $10. You must receive one (1) payroll or government benefits direct deposit to be eligible to open a Savings Account. Savings Account funds are withdrawn through the Premium Bank Account and transaction fees could reduce the interest earned on the Savings Account. Funds on deposit are FDIC-insured through Pathward, N.A., Member FDIC. For purposes of FDIC coverage limit, all funds held on deposit by the accountholder at Pathward will be aggregated up to the coverage limit, currently $250,000.00.
*****. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.

Ratings and reviews

Awesome basic debit card setup. if you need a checking account (and savings) and can't get into a bank or credit union, this is a good first step into the process. No credit card aspect. Just a debit account. I have had this for over a year and have never had an issue with their app not loading info accurately. There have been normal maintenance down time, all my banking apps come up with that at times. My own usage is to have it as a buffer for online venders that I am not certain about

This banking app is now the worst I have experience. They know ppl can't assess anything without logging in to either transfer money from savings to checking. I been late with my bills 4 days now. Bill collectors don't want to hear you can't pay because some dumb app. I'm very dissatisfied with this. It's time to move on from this banking app. This app just mess up all the time. I have to keep force stopping and after I do that ,it still don't work.

Vile company. I tried to cancel two months ago by emailing the support team and they never responded. They also have an awful phone support system that doesn't tell you they're closed until you've clicked probably 5 or 6 prompts and spent 20 min on the phone. Also there isn't a cancel option on the website so you have to call or email support directly. There isn't a direct option to cancel on the answering line, you have to click through until you find "ask a different question"

What's new

Minor bug fixes
User Interface Improvements