Xpectations!® Plus Debit Mastercard® offers mobile banking with
Overdraft protection up to $300
with eligible direct deposits and opt-in** Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the -first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on Demand Deposit Accounts that meet eligibility requirements. Learn more at PLScard.com/daa.
Exclusive offer for Xpectations! Plus cardholders:
Save 20% on TurboTax®** Visit https://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2025. Discount applies to TurboTax federal products only. Offer details will be provided via email and in the Xpectations!® Plus app after successful account activation. Account must be activated before 4/15/26 to qualify. Green Dot is not a sponsor of, nor affiliated with, this promotion.
Plus, get your tax refund up to 5 days early with direct deposit.** Early tax refund deposit applies to federal tax returns filed directly with the Internal Revenue Service (IRS) and depends on IRS timing, payment instructions and bank fraud prevention measures. The name and Social Security number on file with the IRS must match your Xpectations!(R) Plus to prevent fraud restrictions on the account.
No monthly fees - not a penny
Receive $500 in eligible direct deposits and you won’t pay a penny on monthly fees.** Monthly fee waived whenever you receive payroll or government benefits direct deposits of $500+ in the previous monthly statement period. Otherwise, $5 per month.
Fast & easy direct deposit
Avoid payday delays! Get your payroll up to 2 days early. Or receive government benefits up to 4 days early when you sign up for direct deposit.** Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name, Social Security, TIN or select US ID type or Foreign ID type number on file with your employer or benefits provider must match your Xpectations! Plus Debit Card account to prevent fraud restrictions on the account.
Style your wallet
Choose from a variety of fun, vibrant Xpectations!® Plus Debit Mastercard® designs.
Protect your account
Give yourself peace of mind with Xpectations! Plus Debit Card. Safer than carrying cash. Tap. Pay. Go.
Easy card lock/unlock** When you lock your account, withdrawals and purchases conducted using your card will not be authorized until you unlock your card. Some activity will continue, including your monthly fee, if applicable, debit transactions that were authorized before you locked your account, transactions crediting funds to your account, ACH debit transactions conducted using your account and routing numbers, recurring bill payments, mobile check deposit, and cash deposits.
Contactless chip-enabled card
Protect your account
Give yourself peace of mind with Xpectations! Plus Debit Card. Safer than carrying cash. Tap. Pay. Go.
Easy card lock/unlock** When you lock your account, withdrawals and purchases conducted using your card will not be authorized until you unlock your card. Some activity will continue, including your monthly fee, if applicable, debit transactions that were authorized before you locked your account, transactions crediting funds to your account, ACH debit transactions conducted using your account and routing numbers, recurring bill payments, mobile check deposit, and cash deposits.
Contactless chip-enabled card
Free nationwide ATM network
Visit our national network of ATMs, including all PLS stores and get cash when you need it.** See app or website for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.
Free nationwide ATM network
Visit our national network of ATMs, including all PLS stores and get cash when you need it.** See app or website for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.
It’s right in your hands
Download the Xpectations! Plus Mobile app to check your balance, find an ATM,** See app or website for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply. lock and unlock your card,** When you lock your account, withdrawals and purchases conducted using your card will not be authorized until you unlock your card. Some activity will continue, including your monthly fee, if applicable, debit transactions that were authorized before you locked your account, transactions crediting funds to your account, ACH debit transactions conducted using your account and routing numbers, recurring bill payments, mobile check deposit, and cash deposits. set up automatic bill payments,** Active personalized card required. Limits apply. and so much more.
It’s right in your hands
Download the Xpectations! Plus Mobile app to check your balance, find an ATM,** See app or website for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply. lock and unlock your card,** When you lock your account, withdrawals and purchases conducted using your card will not be authorized until you unlock your card. Some activity will continue, including your monthly fee, if applicable, debit transactions that were authorized before you locked your account, transactions crediting funds to your account, ACH debit transactions conducted using your account and routing numbers, recurring bill payments, mobile check deposit, and cash deposits. set up automatic bill payments,** Active personalized card required. Limits apply. and so much more.
Kickstart your savings when you Round Up your purchases
Round Up each purchase to the next dollar and drop the extra change into your Savings Vault.** Activated personalized card, savings vault and enrollment required. Purchases made using your debit card are rounded to the nearest dollar and the difference is automatically transferred to the designated savings vault. Savings Round Up may be modified or canceled at any time without prior notice. Transfers may be voided if the debit account does not possess sufficient funds. Plus, earn 1.00% APY on your Savings Vaults, up to $10,000, and watch your savings add up.** Interest paid quarterly on the average daily balance of savings during the quarter up to a $10,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) as of November 2025. APY may change before or after you open an account. See Deposit Account Agreement for terms and conditions at PLScard.com/daa.
Transfer funds with ease
Link your debit card or bank account. Transfer money from another linked debit card or linked bank account in your name to your Xpectations! Plus Debit Card account.** Customer can transfer their funds from another debit card or bank account to their Xpectations! Plus Debit Card account in minutes for a small fee. Limits apply to bank transfers and are subject to your bank’s restrictions and fees. Bank account verification services provided by Plaid. Activated, personalized debit card required to make a bank transfer. See Deposit Account Agreement at PLScard.com/daa for more details.
Up to $300 overdraft protection
with opt-in and eligible direct deposits.** Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the -first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on Demand Deposit Accounts that meet eligibility requirements. Learn more at PLScard.com/daa.
Send funds to a friend
Xpect more! Send and receive money to any other Xpectations! Plus cardholder using the new SendMoney feature.** Active personalized card required. Limits apply.
The PLS Advantage
Get even more benefits at all PLS stores.
When you load cash onto your Xpectations! Plus Debit Card at any PLS store.
$0 ATM fees when using your Xpectations! Plus Debit Card at all PLS stores.
Walk into any PLS store, walk out with your cash in hand. Any location, anytime.
Walk into any PLS store, pick your favorite card design, walk out with your Xpectations! Plus Debit Card printed with your name on the spot! No need to wait for the card to arrive in the mail! INSTANT. SECURE. CONVENIENT.
Have questions about your money? Stop by any PLS store and talk through your questions with one of our friendly store associates, many of whom are bilingual. In today’s digital world, it’s nice to know a friendly smile is just around the corner. Most stores are open 24/7.
Get your payroll up to 2 days early or your government benefits up to 4 days early with direct deposit** Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name, Social Security, TIN or select US ID type or Foreign ID type number on file with your employer or benefits provider must match your Xpectations! Plus Debit Card account to prevent fraud restrictions on the account.
Get your payroll up to 2 days early or your government benefits up to 4 days early with direct deposit** Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name, Social Security, TIN or select US ID type or Foreign ID type number on file with your employer or benefits provider must match your Xpectations! Plus Debit Card account to prevent fraud restrictions on the account.