Fees & Limits

    Monthly Fee/Account Maintenance Fees/Transaction Fees

  • ITEM
  • LIMITS
  • DESCRIPTION
    • Monthly Fee
    • $3.00
    • Monthly fee is waived for the first calendar month following Card registration. Subsequent monthly fees will be waived where cardholder-initiated deposit to the Card Account (through direct deposit and/or Vanilla Reload) total $1,000.00 or more in the previous calendar month. Direct deposit of tax refunds shall not count towards the $1,000 threshold.

    • Signature Transaction Fee
    • None
    • PIN Debit Purchase Transaction Fee
    • None
    • ATM Cash Withdrawal
    • $2.50
    • Assessed each time the Card is used at an ATM location. The ATM owner may charge an additional fee for each transaction.

    • ATM Transaction Decline Fee
    • None
    • Over the Counter Cash Withdrawal
    • $5.00
    • Assessed each time the Card is used at an Over-the-Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction.

    • Direct Deposit
    • None
    • Reload at a Vanilla Reload Retailer
    • Up to $3.95 per reload transaction
    • Each Vanilla Reload Retailer may charge a transaction fee of up to $3.95 in addition to the amount being loaded. Please see the Vanilla Reload Retailer or contact us at 1-855-598-4818 for additional details. This fee must be paid to the Vanilla Reload Retailer, in addition to the amount that you are adding to your Card, and will not be charged to your Card.

    • Bank Transfer
    • None (transfer fees from originating bank may apply)
    • Transfer funds from your bank account to your Card.

    • Card-to-Card Transfer via JHPreferred.com
    • None
    • Transfer funds from one JH Preferred Card account to another JH Preferred Card account via JHPreferred.com. Card-to-Card transfers are subject to the limits set forth in the Cardholder Agreement.

    • Card-to-Card Transfers via Customer Service 1-855-598-4818
    • None
    • Transfer funds from one JH Preferred Card account to another JH Preferred Card account by calling customer service at 1-855-598-4818. Card-to-Card transfers are subject to the limits set forth in the Cardholder Agreement.

    • Wireless Alerts
    • None
    • Standard text messaging rates may apply. See your wireless carrier for details.

    • Customer Service
    • None
    • Balance Inquiry via JHPreferred.com
    • None
    • Balance Inquiry via Mobile alerts
    • None
    • Standard text messaging rates may apply. See your wireless carrier for details.

    • Balance Inquiry via live agent customer service (1-855-598-4818)
    • None
    • Balance Inquiry via automated customer service (1-855-598-4818)
    • None
    • Balance Inquiry via ATM
    • None
    • Foreign Currency Conversion Fee
    • 2% of transaction amount up to a maximum of $5.00
    • Paper Statement Fee
    • $4.95 per statement
    • Fee assessed for receipt of monthly statements

    • Replacement Card Fee
    • None
    • Via standard USPS email

    • Replacement Card Fee with Expedited Shipping
    • $25.00 per card
    • Balance liquidation fee
    • $9.95
    • Assessed for mailing a check to close your Card Account. You must contact us to close your Card Account. Checks are mailed only upon request.


    Using Your Card

  • ITEM
  • LIMITS
  • DESCRIPTION
    • Daily Purchases
    • $5,000
    • The maximum amount that can be spent on your Card per day is $5,000.00

    • Card Maximum Balance
    • $9,999
    • Any state or federal tax return direct deposit that would cause the balance on your Card to exceed this amount will be reviewed and posted to your Card Account at the discretion of the Issuer and ITC Financial Licenses, Inc.

    • Monthly Purchases
    • $10,000
    • The maximum amount that can be spent on your Card per month is $10,000.

    • Domestic ATM Withdrawal Transaction
    • $510
    • Daily Domestic ATM Withdrawal
    • $2,550
    • Monthly Domestic ATM Withdrawal
    • $5,500
    • Daily International ATM Withdrawal
    • $815
    • Monthly International ATM Withdrawal
    • $2,000
    • Monthly POS/OTC withdrawal
    • $2,500
    • The combined maximum cumulative amount that may be withdrawn in any combination from a POS device and/or through a participating bank (over-the-counter withdrawal).

    • Maximum Direct Deposit (ACH) Load Amount
    • $9,999
    • Any state or federal tax return direct deposit in excess of $9,999 will be review and posted to your Card Account at the discretion of the Issuer and ITC Financial Licenses, Inc. or IH Financial Licenses, Inc., as applicable. The maximum amount of each load via a Jackson Hewitt® initiated tax refund is $20,000.

    • Maximum Vanilla Reload Load Amount
    • $500
    • Maximum Vanilla Reload Frequency
    • 5 per day
    • Maximum Daily Vanilla Reload Load Amount
    • $1,000
    • Maximum Monthly Vanilla Reload Amount
    • $5,000
    • Daily Card-to-Card Transfer
    • $500
    • Limit applies to incoming and outgoing Card-to-Card transfers.

    • Monthly Card-to-Card Transfer
    • $2,000
    • Limit applies to incoming and outgoing Card-to-Card transfers.