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Prepaid Debit Card Fees

A close-up of a man's hands holding a debit card and a smartphone

We pay benefits using a prepaid Bank of America debit card, a convenient and secure way for you to access your benefits.

Below is the list of all fees for the State of New Jersey Department of Labor and Workforce Development prepaid debit card.

Spend Money

Per purchase with PIN - $0
Per purchase with signature - $0

Get cash in the U.S.

ATM withdrawal, in-network1 - $0
ATM withdrawal, out-of-network2 - 90¢
Bank teller cash withdrawal3 - $0
Emergency cash transfer, domestic4 - $0

1“In Network” refers to Bank of America ATMs. Locations can be found at www.bankofamerica.com/cashpay. You will not be charged a fee by Bank of America.

2You will be charged this fee after 4 free each month. “Out of Network” refers to all the ATMs outside of Bank of America ATMs. You may also be charged a fee by the ATM operator even if you do not complete a transaction.*

3Available at financial institutions that accept Visa cards. Limited to available balance only.

4You will be charged this fee after 1 free each year for remaining balance under $20. All emergency cash transfers must be initiated through the Bank of America Service Center.

Information

Customer service - $0 
Online account information - $0
ATM balance inquiry - $0

Using your card outside the U.S.

Each international transaction - 2%1
International ATM withdrawal - $32

1Of total U.S. Dollar amount of transaction

2This is Bank of America's fee. You may also be charged a fee by the ATM operator even if you do not complete a transaction.

Other

Online funds transfer - $0
Replacement card, domestic1 - $3
Replacement card, express delivery2 - $10
Replacement card, international2 - $10
Inactive account - $0
Legal process fee $0

1You will be charged this fee after 1 free each year.

2Additional charge per request

Additional Information

* ATM owners may impose an additional “convenience fee” or “surcharge fee” for certain ATM transactions (a sign should be posted at the ATM to indicate additional fees); however you will not be charged any additional convenience fee or surcharge fee at a Bank of America ATM. A Bank of America ATM means an ATM that prominently displays the Bank of America name and logo.

Your funds are eligible for FDIC insurance. Your funds are insured up to $250,000 by the FDIC in the event Bank of America, N.A. fails, if specific deposit insurance requirements are met. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.

Contact Bank of America by calling 1.866.213.4074, 1.866.656.5913 (TTY), or 1.423.262.1650 (Collect, when calling outside the U.S.), by mail at Bank of America, P.O. Box 8488, Gray, TN 37615-8488, or visit www.bankofamerica.com/cashpay.

For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.