Fees & Limits

Monthly Fee/ Account Maintenance Fees/ Transaction Fees

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 deposits 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

Cash Withdrawals

ATM Cash Withdrawal Fee $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.

Adding Money to your Card

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.

Managing your JH Preferred Card Account

Wireless Alerts None. Standard text messaging rates may apply – see your wireless carrier for details
Customer Service None

Balance Inquiry

Via JHPreferred.com None
Via Mobile Alerts None. Standard text messaging rates may apply – see your wireless carrier for details
Via Live Agent Customer Service
(1-855-598-4818)
None
Via ATM None
Via Automated Customer Service
(1-855-598-4818)
None

Miscellaneous

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 mail.
Replacement Card Fee with Expedited Shipment $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. or IH Financial Licenses, Inc., as applicable.
Monthly Purchases $10,000 The maximum amount that can be spent on your Card per month is $10,000.

Withdrawal Limits

Item Limits Description
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).

Adding Money to your Card

Item Limits Description
Minimum Direct Deposit (ACH) Load Amount $0.01
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

Card-to-Card Transfer Limits

Item Limits Description
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.

Pre-Auth Expiration Period

Item Limits Description
Pre-Auth Expires 7 Days. In some instances such as paying-at-the pump or dining, merchants estimate the transaction total and place a hold or pre-auth on your card until they know the final amount.

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Complaint?

TEXAS DEPARTMENT OF BANKING
CUSTOMER NOTICE

If you have a complaint, first contact the consumer assistance division of ITC Financial Licenses, Inc. at 1-800-571-1376, if you still have an unresolved complaint regarding the company's money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking:

In Person or U.S. Mail

Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, Texas 78705-4294

Phone: 1-877-276-5554 (toll free)
Fax Number: 1-512-475-1313
E-mail Address: consumer.complaints@dob.texas.gov
www.dob.texas.gov