Are there loading and spending minimums, maximums, or limits for my account?

For your protection, we do have several spending minimums and limits. Please review the article below for more information.

Note: A “Primary Account” limit is the sum of all usage across all sub-account. Basically, it’s the limit for all family members as a unit. A “Sub-account” refers to each child’s account on your “Primary Account.”

Maximum Balances 

  • Maximum Balance for a Primary Account: $10,000
  • Maximum Balance for a Sub-Account: $5,000

Monthly* Spending Limits

  • Point-of-Sale Daily Spend Limit per Family (Primary + All Secondary Accounts): $1,000
  • Point-of-Sale Monthly* Spend Limit Per Family (Primary + All Secondary Accounts): $5,000
  • Point-of-Sale Daily Spend Limit per Sub-Account: $1,000
  • Point-of-Sale Monthly* Spend Limit per Sub-Account: $5,000

Minimum & Maximum Account Loads

  • Maximum Total Load Amount per Family per Month*: $5,000

For Debit and ACH Loads

An ACH load is a load using a checking account as a funding source. A debit load is a load using a debit card as a funding source.

  • Minimum amount of an initial value load (by ACH or Debit Card): $10
  • Minimum amount of a value reload by Debit Card: $20
  • Minimum amount of a value reload by ACH: $1
  • Maximum Debit Load Amount per Day per Primary Account: $500
  • Maximum Debit Load per Month* per Primary Account: $2,500
  • Maximum ACH Load per Day per Primary Account: $100
  • Maximum ACH Load per Month* per Primary Account: $300

For Direct Deposit Loads

A Direct Deposit load is a load that is a paycheck directly deposited into a teen’s account by their employer.

  • Minimum Direct Deposit Load amount per Sub-Account: $1
  • Maximum Direct Deposit Load per Month* per Family: $5,000

ATM Withdrawal Limits

  • Maximum withdrawal amount per day per Sub-Account: $105
  • Maximum withdrawal amount per month* per Primary Account: $525
    • Read more about ATM limits, the ATM "Spend Control", and associated settings here. 

*When referencing the monthly load and spend amounts, this is meant as a 30 day rolling period not monthly calendar period.

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