Adii! Stop the overdraft fees!*
$34.3 BILLION
US consumers paid $34.3 billion in bank overdraft fees in 2017.
QuyanaCARD will never charge you an overdraft fee.*
Since QuyanaCARD is a prepaid debit card account, you can only spend what you have on your card account.
*Other fees may apply; if your card begins with the numbers 5102 then see these terms and conditions for more information. If your card was issued by Axiom Bank and your card begins with the numbers 5235, please click here.
For more information on the fees relevant to your QuyanaCARD, check the first four numbers of your card to find your card issuer and then click the appropriate button below. Metropolitan Commercial Bank cards all begin with 5102. Axiom Bank cards all begin with 5235.
When you refer friends & family who sign up for a new QuyanaCARD and opt in for Direct Deposit, YOU will receive $10 pre-loaded onto YOUR QuyanaCARD! Just have them contact us to get started.Fee Schedule for Metropolitan Commercial Cards
Here’s what you can expect from your QuyanaCARD:
| All Fees | Amount | Details |
| Get started | ||
| Card purchase | ||
| POS PIN Debit Purchase | $1.00 | Per POS PIN Debit Purchase |
| POS PIN Debit Purchase (Int’l) | $1.00 | Per POS PIN Debit Purchase (Int’l) |
| POS PIN Purchase (Declined) | $0.50 | Per POS PIN Purchase (Declined) |
| POS SIG Purchase (Declined) | $0.50 | Per POS SIG Purchase (Declined) |
| Monthly usage | ||
| Monthly fee | $5.00 | Charged 30 days after card issuance and thereafter. |
| Add money | ||
| Direct deposit | $0.00 | No Fee |
| Cash reload | $5.00 | 1/2% (.005) of the total load with a minimum load fee of $5.00 and a max load fee of $25. (Per retail load) |
| Spend money | ||
| Bill payment (regular delivery) | N/A | N/A |
| Bill payment (expedited delivery) | N/A | N/A |
| Get cash | ||
| ATM withdrawal (U.S.) | $3.50 or 1% | Whichever is greater. Third Party ATM Fees May Apply. |
| ATM withdrawal (Int’l) | $3.50 or 1% | Whichever is greater. Plus, up to an additional 3% of the transaction amount-see “Sec.19 Int’l Transaction Fee.” Third Party ATM Fees May Apply. |
| ATM withdrawal (Declined) | $1.00 | Per ATM Withdrawal (Declined) |
| ATM withdrawal (Declined Int’l) | $1.00 | Per ATM Withdrawal (Declined Int’l) |
| Retail Unload | $5.00 | Per Retail Unload |
| Information | ||
| Customer service (automated) | $1.00 | The first 10 IVR calls per month are at no charge, and then $1.00 per IVR call thereafter. |
| Customer service (live agent) | $3.00 | No fee if calling to dispute a transaction on your card account or to report your card lost or stolen. |
| ATM balance inquiry (in-network) | $1.00 | Per ATM balance inquiry |
| ATM balance inquiry (out-of-network) | $1.00 | Per ATM balance inquiry |
| Using your card outside the U.S. | ||
| International transaction | 3% | Up to 3% of the transaction amount-see “Sec. 19 Int’l Transaction Fee.” |
| International ATM withdrawal | $3.50 or 1% | Whichever is greater. Plus, up to an additional 3% of the transaction amount-see “Sec.19 Int’l Transaction Fee.” Third Party ATM Fees May Apply. |
| International ATM balance inquiry | $1.00 | Per ATM Balance Inquiry |
| Other | ||
| Card-to-Card Transfer | $2.50 | Per Card-to-Card Transfer (Available in-program only) |
| Close Card | $10.00 | Applied when cardholder requests account closure and the remaining funds distributed via paper check. |
| Replace Card | $4.95 | One replacement per year at no cost. |
| Inactivity fee | $5.00 | Charged after 90 days of inactivity. Will replace monthly fee until new activity is conducted. |
Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Metropolitan Commercial Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Metropolitan Commercial Bank fails, if specific deposit insurance requirements are met and your card is registered. See https://fdic.gov/deposit/deposits/prepaid.html for details.
No overdraft/credit feature.
Contact Praxell, Inc. Quyana Prepaid Mastercard® Cardholder Services, by calling 800-961-8253 , by mail at QuyanaCARD Cardholder Services, PO Box 315, New York, NY, 10018 or visit https://go.cardportal.us.
For general information about prepaid accounts, visit cfpb.gov/prepaid.
If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit https://cfpb.gov/complaint.
Fee Schedule for Axiom Bank Cards
Here’s what you can expect from your QuyanaCARD:
| All Fees | Amount | Details |
| Get started | ||
| Card purchase | $0.00 | You will not be charged a fee by us for purchasing the Card. |
| Activation | $0.00 | You will not be charged a fee for activating the Card. |
| Monthly usage | ||
| Monthly fee | $9.95 | Monthly fee is assessed on the first day of each month, following the first full month after the Card is loaded. Fee as it appears on statement: Monthly Service Fee |
| Add money | ||
| Cash reload | 1% Minimum fee $9.95 |
Cash reload fee is assessed when you load your card in a retail location. Third party fees may apply (See Third Party Fees below). Reload fee is 1% of the amount loaded. There is a Minimum of $9.95 and a Fee as it appears on statement: Retail Reload Fee |
| Mobile Check Deposit | 0.25% Minimum fee $2.95 |
The fee of up to 0.25% (minimum of $2.95) of check value may apply when depositing a check to load your card through the mobile app. Fee as it appears on statement: Mobile Check Deposit Fee |
| Spend money | ||
| Signature purchase | $0.00 | Each time you make a successful point-of-sale purchase within the United States or U.S. Territories by selecting “credit”. This may or may not involve you signing a receipt for the purchase. |
| PIN purchase | $1.00 | Each time you make a successful point-of-sale purchase within the United States or U.S. Territories by selecting “debit” and entering your Personal Identification Number (“PIN”) or if your purchase is submitted by the merchant through a PIN debit network without requiring a PIN. Fee as it appears on statement: PIN Purchase Fee |
| Get cash | ||
| ATM withdrawal | $3.50 or 1% (whichever is greater) | This is our fee assessed each time you withdraw cash from an ATM within the United States and U.S. Territories. You may also be charged an additional fee by the out-of-network ATM operator or network, even if you do not complete a transaction. Fee as it appears on statement: ATM Fee |
| Information | ||
| Customer service (automated or live agent) | $3.00 | No fee for calling our customer service line, including for balance inquiries. |
| IVR | $1.00 | Your first ten (10) IVR calls per month are free. $1.00 per call after that. You may track your Card balance at no charge via the mobile app or online. |
| ATM balance inquiry | $1.00 | This is our fee that is charged each time you request your Card balance using an ATM within the United States and U.S. Territories, regardless of whether you also conduct a cash withdrawal. You may also be changed a fee by the out-of-network ATM operator or the network. You may track your Card balance at no charge via the mobile app or online.. Standard message and data rates from your wireless service provider may apply. Fee as it appears on statement: ATM Balance Inquiry Fee |
| Using your card outside the U.S. | ||
| International transaction | 3% of total transaction in USD | Of the U.S. dollar amount of each transaction each time you obtain funds or make a purchase in a currency other than U.S. dollars (USD) or outside the United States and U.S. Territories. When assessed, this fee will be a minimum of one cent ($0.01). Fee as it appears on statement: International Card Fee |
| International PIN purchase | $1.00 | Each time you make a point-of-sale purchase outside of United States or U.S. Territories by selecting “debit” and entering your Personal Identification Number (“PIN”). Transactions made outside of the 50 United States and the District of Columbia are also subject to this conversion fee even if they are completed in U.S. currency. You can make a signature purchase at no charge by selecting “credit” at checkout and signing for your purchase (if required by the merchant). Fee as it appears on statement: International PIN Purchase Fee |
| International ATM withdrawal | $3.50 or 1% (whichever is greater) | This is our fee each time you withdraw cash from an ATM outside of the United States and U.S. Territories. You may also be charged a fee by the ATM operator or the network used to complete the transaction. Transactions made outside of the 50 United States and the District of Columbia are also subject to this conversion fee even if they are completed in U.S. currency. Fee as it appears on statement: International ATM Fee |
| International ATM balance inquiry | $2.00 | This is our fee which is charged each time you request your Card balance using an ATM outside of the United States and U.S. Territories regardless of whether you also conduct a cash withdrawal. You may also be charged a fee by the ATM operator or the network used to complete the transaction. You may track your Card balance at no charge via the mobile app, online, or call customer service. Standard message and data rates from your wireless service provider may apply. Fee as it appears on statement: ATM Balance Inquiry Fee |
| Replacing your card | ||
| Card replacement | $10.00 | Each time you request this service if the replacement Card is requested prior to Card expiration date. Fee as it appears on statement: Card Replacement Fee |
| Additional Card Services | ||
| Balance refund check | $10.00 | Each time a check is issued to refund the balance of the Card to you for any reason other than inactive account closure. Fee will not be assessed if no check is issued. Fee as it appears on statement: Balance Refund Check Fee |
| Inactive account closure | $10.00 | If you do not have at least one (1) of the following qualifying transactions with your Card: load funds, make a purchase, or withdraw cash at an ATM or bank in a twelve (12) month period, we may close your Card Account and assess this fee. A check will be issued to refund any remaining balance greater than one dollar ($1.00). Fee as it appears on statement: Inactive Account Closure Fee |
| Paper statement | $5.00 | This is our fee each time you request that we send you a paper statement. View and print your balance and transaction history at no charge online. Fee as it appears on statement: Paper Statement Fee |
| Other | ||
| Inactivity | $9.95 | If you do not use your Card to initiate a purchase, cash withdrawal or load transaction for more than 12 months, the fee will be assessed monthly thereafter until you conduct one of these transactions or your balance is depleted to zero. Continue to use your Card at least once every twelve (12) months or close your Card and we will refund your balance by check. The Check Issuance Upon Closure Fee will apply. Fee as it appears on statement: Inactivity Fee |
| Potential Third Party Fees | ||
| Retail cash load | May Vary – up to $4.95 | Third party reload networks (e.g. rePower®, GreenDot® and Western Union®) may assess a fee for each load that is collected at the time of the cash load. This is not our fee and is subject to change. Be sure to ask about the cost before conducting the load. For example, a fee of up to $4.95 may apply when loading cash through Green Dot. Go to attheregister.com. This information was accurate as of 7/24/2020. Avoid this fee by setting up direct deposit or sending funds via ACH to your Card. |
| ATM surcharge | May Vary | Third party ATM operators may charge a fee each time you withdraw funds or check your balance. |
| Card network international currency conversion | May Vary | The Card Network for your Card (e.g. Visa®, Mastercard®, or Discover®) may assess a fee for currency conversion if you make a transaction in a currency other than the currency in which your Card Account was issued. This fee is a percentage of the amount of the transaction. |
Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to Axiom Bank, N.A., an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Axiom Bank fails, if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.
No overdraft/credit feature.
Contact Axiom Bank by calling (866) 424-2764, by mail at PO Box 641277, Los Angeles, CA 90064, or visit www.quyanacard.com. If live agents are unavailable, you will be able to receive most account information by following the automated prompts, or by logging into your account online or on our mobile app.
For general information about prepaid accounts, visit cfpb.gov/prepaid.
If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.
The Quyana Prepaid Mastercard® is issued by Axiom Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Consult your Cardholder Agreement and the fee schedule for fees, terms, and conditions associated with the approval, maintenance, and use of the Card. The Mastercard card may be used everywhere Debit Mastercard is accepted. Restrictions apply, see Cardholder Agreement for details.
Last updated: 01/01/2022