Reloadable Visa Debit Cards | Fee-free Cash Reloads at DG | spendwell

spendwell Reloadable Visa Debit Card & Bank Account

Use everywhere Visa debit cards are accepted

Received a card in the mail?

Activate your personalized card to unlock all the benefits of your account

Learn how to activate your card

An account that works as hard as you do

Free early Direct Deposit²

Get paid up to 2 days faster when you set up Direct Deposit.²
Free to add cash¹

Add cash to your account at Dollar General³ using Barcode Reload from the spendwell Mobile App.⁴
Overdraft protection⁵

An optional service to help you through tight financial situations.

The spendwell Reloadable Visa Debit Card & Bank Account is packed with free features¹ that benefit you. Choose from spendwell Cash Back or spendwell No Monthly Fee and be in control of your money.

spendwell Cash Back

Earn UNLIMITED 1% cash back⁶ everywhere you use your card. Rewards are added directly to your account for use in future purchases at Dollar General.

Learn more

See all Fees and Fee Schedule for spendwell Cash Back here.

spendwell No Monthly Fee

Get the most from your money with no monthly usage or purchase transaction fees. Take your dollar further with safety features and budgeting tools.

Learn more

See all Fees and Fee Schedule for spendwell No Monthly Fee here.

Why open a spendwell account?

Every spendwell account is packed with many free features and services:

Early Direct Deposit²
Add cash at Dollar General³
Send money to other spendwell accountholders
Visa®'s Zero Liability⁷ means you won't be held responsible for unauthorized charges on your card

Online bill pay
24/7 customer service
Subaccounts

See all Fees and Fee Schedules here.

The spendwell app⁴ is always working for you.

Manage your account whenever you need, from wherever you are, with the free spendwell App.

You can quickly check your balance, view transactions, pay your bills and much more.⁴

Need a spendwell debit card now?

Get your temporary card today at a Dollar General store near you.

Find a Store

spendwell instorepackaging 15January2025 sidebyside-v2-1056x774 (1) (1)

Find a Store

Ready to take your dollar further?

¹While these specific features are available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this account. See the Deposit Account Agreement for more details.

²Faster access compared to standard payday electronic deposit and subject to your employer submitting paycheck information to the bank before payday. Your employer may not submit paycheck information early.

³Cash reload outside of Dollar General locations incurs a fee of $3.95.

⁴Message and data rates may apply.

⁵Overdraft protection (“ODP”) is an optional service offered to eligible spendwell accountholders by Pathward, National Association, Member FDIC. Overdraft protection eligibility requirements include (i) main accountholder has activated their personalized card; (ii) main accountholder has a positive available balance; (iii) main accountholder received direct deposits totaling $400 or more in the past 35 days. Once you enroll and meet eligibility requirements, a $15.00 overdraft fee will be charged to your account for each debit card purchase or ATM transaction that overdraws your account by more than $10.00 (via one or multiple transactions) and it is not paid back within 24 hours of the first transaction that caused you to overdraw your account. We will authorize overdraft transactions for ATM withdrawals and everyday debit card transactions; we will not authorize overdraft transactions for checks, ACH debit transactions, or automatic payments. Certain direct deposits from the State of California may disqualify you from overdraft protection eligibility. Must opt in to receiving text or email alerts. Once overdraft protection is activated on your account, you MUST continue to receive direct deposits totaling at least $200 to your account every thirty-five (35) days or we will deactivate your participation in overdraft protection. Subaccount users are not eligible to enroll. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we may not pay an overdraft if you fail to meet the eligibility requirements or attempt too many transactions or transactions that create too large of an overdraft. This service may be expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your account even if you opt-out of the service. Additional details, requirements, terms, limits and fees apply. See Overdraft Protection Terms for details.

⁶With the spendwell Unlimited 1% Cash Back card, earn 1% cash back on purchases (less returns/credits), which can be redeemed and used only on future purchases at Dollar General. Cash back is rounded to the nearest dollar and added to your account after you use your card. Rounding purchases to the nearest dollar means that you won’t earn a fraction of a penny in cash back. For example, a purchase of $.0.01-$0.49 rounds to $0.00 (you don’t earn cash back), a purchase of $0.50-$0.99 rounds to $1.00 (you earn $0.01 cash back), and so on. Account spend limits apply. Cash back is typically applied to your account promptly after your purchase but could take up to 60 days. ATM transactions, fees and online bill pay are not purchases and do not earn cash back. For full terms and restrictions, see the Deposit Account Agreement.

⁷Under Visa’s Zero Liability Policy, your liability for unauthorized transactions on using your Card is $0.00 if you notify us immediately and are not grossly negligent or fraudulent in the handling of your Card. These provisions limiting your liability do not apply to debit transactions not processed by Visa or foreign ATM withdrawals.

Use everywhere Visa debit cards are accepted

How did you get your card?

Activate your personalized card to unlock all the benefits of your account

An account that works as hard as you do

How did you get your card?

How did you get your card?

Every spendwell account is packed with many free features and services:

The spendwell app⁴ is always working for you.

Manage your account whenever you need, from wherever you are, with the free spendwell App.

Need a spendwell debit card now?

Ready to take your dollar further?

How did you get your card?

Reloadable Visa Debit Cards | Fee-free Cash Reloads at DG | spendwell

Use everywhere Visa debit cards are accepted

Activate your personalized card to unlock all the benefits of your account

An account that works as hard as you do

Every spendwell account is packed with many free features and services:

The spendwell app4 is always working for you.

Manage your account whenever you need, from wherever you are, with the free spendwell App.

Need a spendwell debit card now?

Ready to take your dollar further?

The spendwell app⁴ is always working for you.