Xpectations!® Plus

This application offers a convenient and secure way to manage your money without any monthly fees. By having at least $500 of eligible direct deposits, you can avoid the monthly fee of $5. This makes it a great option for those who want to save money on banking fees.

With this debit card, you can also enjoy $0 purchase transaction fees, making it easy to use for everyday purchases without worrying about additional charges. Additionally, you can opt-in for overdraft protection up to $300, as long as you have eligible direct deposits. This feature can provide peace of mind and help you avoid costly overdraft fees.

One of the standout features of this application is the ability to receive your payroll up to 2 days early or government benefits up to 4 days early with direct deposits. This can be especially helpful for those who rely on these funds for their daily expenses. Plus, with a free nationwide ATM network, including all PLS stores, you can easily access your money without any additional fees.

Transferring money is made simple with the option to link your debit card or bank account. You can also send and receive money using the SendMoney feature, making it easy to split bills or pay back friends and family. And to keep your money safe, you can lock and unlock your card, receive fraud text alerts, and use a contactless chip-enabled card.

To get started, you can visit PLScard.com or stop into any PLS store to apply for an Xpectations! Plus Debit Card. Most stores are open 24/7, making it convenient to apply at any time. However, online access and identity verification are required for card activation and to open an account. This includes providing your Social Security or TIN number, or select US or Foreign ID types.

It's important to note that early direct deposit availability may vary from pay period to pay period, depending on your payor type, timing, payment instructions, and bank fraud prevention measures. To prevent fraud restrictions on your account, the information on file with your employer or benefits provider must match your Xpectations! Plus Debit Card account.

Lastly, there are no charges for cash reloads at PLS Check Cashers locations, making it easy to add funds to your card. However, individual retailers may charge a fee for this service. Overall, this application offers a convenient and cost-effective way to manage your money and make everyday transactions.