Your team. Your money. Your card.
Set up and receive a new qualifying direct deposit of $500+ by 9/15/2026 and score a $10 credit.*
Score $10 when you set up direct deposit*
Log into the Xpectations! Plus app or visit www.PLScard.com.
Log into the Xpectations! Plus app or visit www.PLScard.com.
Select “Direct Deposit” in the “Move Money” menu.
Select “Direct Deposit” in the “Move Money” menu.
Select “Download the direct deposit form,” complete and submit the form to your employer or benefits provider to set up direct deposit to your Xpectations!® Plus Debit Card account.
Select “Download the direct deposit form,” complete and submit the form to your employer or benefits provider to set up direct deposit to your Xpectations!® Plus Debit Card account.
Get your payroll up to 2 days early
or government benefits up to 4 days early with direct deposit.*
Overdraft protection up to $300
with eligible direct deposits and opt-in.*
It’s right in your hands
Download the Xpectations! Plus Mobile app to check your balance, find an ATM,* lock and unlock your card,* set up automatic bill payments,* and so much more.
*
Offer valid for new and existing Xpectations!® Plus Debit Mastercard® accounts activated before 7/31/2026. To qualify for the credit, you must receive a new qualifying payroll or government benefits direct deposit of $500+ by 9/15/2026. A new qualifying payroll or government benefits direct deposit is defined as a direct deposit that has not appeared on an account within the past 45 days. A one-time credit of $10 will be applied to your account by the 15th business day of the month following your qualifying direct deposit. One credit per customer. Promotional credits are reported on form 1099 to the IRS.
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.
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. Learn more at PLScard.com/daa.
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.
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.
Active personalized card required. Limits apply.
Select states only.