Request your funds via check or ACH at no cost.

To avoid any card fees, use your card in a timely manner. See card fee table for details.

There is no cost for point-of-sale merchant transactions when using the card.

Use the card cash advance feature to remove your entire card balance at no charge by visiting any Mastercard® principal financial institution.

You can run your card as debit when you make a transaction and ask for cash back.

Check your balance online or through customer service before using an ATM to avoid a decline fee.

If your card is rejected at an ATM, never attempt over and over again. Some ATM providers impose a fee even for declined transactions. The card provider also imposes a fee for declined transactions.

Watch gratuity as some merchants may authorize your card up to 25% more than the transaction to allow for gratuity, which can cause declined transactions and incur a decline fee.

If you want to split your payment between this card and another form of payment, you must specify to the cashier the amount you would like run on the card. Be sure you know the balance on your card before you perform this kind of transaction.