One VIP | Apply

LIFE IS REWARDING WITH ONE VIP.

Support black owned businesses and communities of color when you use a ONE VIP Card!

No credit check. Get paid early. No hidden fees. Digital banking made simple!

First Name

Last Name

Phone Number

Phone Type

PO Boxes and General Delivery are not allowed.

City

State

Zip Code

Date of Birth (MM/DD/YYYY) Must be at least 18 years old.

Social Security Number

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other identifying documents.

I have read and agree to the terms and conditions.

You must review and agree to the following information.

Long Form Disclosure

Detailed list of all fees for The ONE VIP Visa Prepaid Card

All fees	Amount	Details
Get Started
Card Purchase	No Fee	No fee is charged for purchase of the ONE VIP Visa Prepaid Card.
Monthly usage
Monthly fee	$4.95	Monthly fee is charged on the 1st calendar day of the month after activation and recurs on a monthly frequency.
Add money
Direct deposit	No Fee	No fee is charged to receive your Direct Deposit on the ONE VIP Visa Prepaid Card from Direct Deposit.
Depositing Checks	No Fee	This is our fee to deposit a check to your ONE VIP Visa Prepaid Card through the use of Ingo Money. Ingo Money may charge additional fees for this function. (see https://www.ingomoney.com/benefits-fees/ for additional information regarding Ingo Money)
Cash Value Loading	No Fee	This is our fee to load funds to your ONE VIP Visa Prepaid Card through the ReadyLink Load Network. Retailers or merchants may charge additional fees. (Visit https://apps.usa.visa.com/slocators/get-a-card.jsp?filter=readylink to locate participating merchant locations)
Funding from a Bank Account	No Fee	No fee is charged to fund to the ONE VIP Visa Prepaid Card from a bank account.
Spend Money
Point-of-Sale (POS) Purchase - PIN or Signature	No Fee	No fee is charged for domestic point-of-sale (POS) signature or PIN purchases.
Get Cash
ATM withdrawal	$2.95	This is our fee for each ATM withdrawal that is conducted. You may also be charged a fee by the ATM operator.
Bank Teller Withdrawal	No Fee	This is our fee. You may also be charged an additional fee by the Bank to conduct the withdrawal.
Cash Back at Point of Sale	No Fee	This is our fee. Retailers or merchants may charge additional fees.
ATM Decline	$0.50	is is our fee for each ATM decline. You may also be charged a fee by the ATM operator.
Information
Automated & Live Agent Phone Calls	No Fee	No fee for each customer service contact with a live agent.
Email and Text Message Alerts	No Fee	Standard text messaging rates may apply.
Mobile Application	No Fee	We charge no fees to access your accounts via our mobile application. Standard data rates and service carrier fees may apply.
Mailed Periodic Statement Fee	$5.00	One request per month at no charge. The fee will be charged for each additional request made in the same month.
ATM Balance Inquiry	$0.50	This is our fee for each ATM decline. You may also be charged a fee by the ATM operator.
Using your Card outside the U.S.
ATM Withdrawal-International	$2.95	This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. If you make a withdrawal or transaction in a currency other than in U.S. Dollars, the amount deducted from your funds will be converted to U.S. dollars by Visa using a rate selected by Visa based on the date the transaction is processed, which may be different than the rate on the date you made the transaction. You could also be assessed a foreign exchange fee of 3% of the transaction amount for any international ATM withdrawals by the ATM owner or card network.
ATM Decline-International	$0.50	This is our fee. You may also be charged a fee by the ATM operator. If you make a withdrawal or transaction in a currency other than in U.S. Dollars, the amount deducted from your funds will be converted to U.S. dollars by Visa using a rate selected by Visa based on the date the transaction is processed, which may be different than the rate on the date you made the transaction. You could also be assessed a foreign exchange fee of 3% of the transaction amount for any international ATM withdrawals by the ATM owner or card network.
ATM Balance Inquiry (International)	$0.50	This is our fee. You may also be charged a fee by the ATM operator. If you make a withdrawal or transaction in a currency other than in U.S. Dollars, the amount deducted from your funds will be converted to U.S. dollars by Visa using a rate selected by Visa based on the date the transaction is processed, which may be different than the rate on the date you made the transaction. You could also be assessed a foreign exchange fee of 3% of the transaction amount for any international ATM withdrawals by the ATM owner or card network.
Foreign Transaction Fee	3% of the transaction amount	If you make a withdrawal or transaction in a currency other than in U.S. Dollars, the amount deducted from your funds will be converted to U.S. dollars by Visa using a rate selected by Visa based on the date the transaction is processed, which may be different than the rate on the date you made the transaction. You could also be assessed a foreign exchange fee of 3% of the transaction amount for any international ATM withdrawals by the ATM owner or card network.
Other
Inactivity Fee	No Fee	There is no inactivity fee associated with the card.
Replacement Card (Standard Delivery)	$5.00	Per replacement card ordered that will be delivered via standard delivery services.
Replacement Card (Expedited Delivery)	$29.95	Per replacement card ordered that will be delivered via expedited delivery services.
Paper Check Fee	$10.00	Per paper check requested.