1. How To Avoid Pin Debit Fees and save $1.00 per transaction?
2. How To Avoid ATM $2.50 Plus ATM Owner Fees For $50-$75 withdrawals?
3. How To Avoid ATM Balance Inquiry and ATM Withdrawl Decline Fees?
4. How To Avoid Monthly Fees

1. How To Avoid Pin Debit Fees and save $1.00 per transaction?- Stores/merchants save money when you perform PIN based DEBIT purchase transactions versus CREDIT purchase transactions. They have many ways to try and get you to use your PIN to perform a PIN based DEBIT purchase transaction:

A. When you are at the checkout counter and they say, “Debit or Credit?” Always say, “Credit” yes always say, “Credit”. Even though it is a DEBIT card by saying, “Credit” the transaction will go through and you will not have to pay the $0.95 transaction fee.

B. Some checkout clerks may be pushy and ask you for your pin number. Just say, “I don’t know it, please process by purchase as a Credit transaction ”.

C. Some checkout counters have you swipe your own card through the terminal reader select CREDIT. The machine will than say “Enter your Pin or Cancel”. Hit Cancel it doesn’t cancel the transaction (This is a psychological trick to get you to enter your PIN.) it processes the transaction without the $1.00 Pin Fee.

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2. How To Avoid ATM $2.50 Plus ATM Owner Fees For $50-$75 withdrawals? –Now this is just the opposite tactic as above. Many stores especially grocery stores will allow you to get CASH BACK with your purchases. Ask around to all the stores you shop at what their cash back policy is. The next time you are buying an item at that store use your card and say you want, “whatever amount up to the maximum” and use your PIN it will cost you $1.00 and you just made a cash withdrawal and avoided all the ATM Fees.

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3. How To Avoid ATM Balance Inquiry and ATM Withdrawl Decline Fees - You can get cash from your Bank Freedom Prepaid MasterCard at the store and at an ATM.

A. Sign up for Bank Freedom’s FREE email and text alerts. Your cell phone or email will always have your balance on it so you don’t need to make a balance inquiry or get declined because you know your balance.

B. SMS Text: 42265 BAL to receive a text message with your card account balance.

C. Use your cell phone or find a payphone and call the Toll Free number on the back of your card and you get your balance for free 24 hours a day seven days a week.

D. Access the cardholder website online to find out your balance and transaction history. It’s always there and just a click away.

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4. How To Avoid Monthly Fees:

A. Have your Employer or benefits provider direct deposit $350 a month or more to your card account and there is no monthly fee.

B. Cash cost us more to monitor so every month you deposit $700 a month in cash we will waive your monthly fee.

C. If you don’t fall into one of those categories the monthly maintenance fee. So consider if the benefits we offer are worth the costs you will incur.

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The Bank Freedom Prepaid Card is issued by MetaBank pursuant to license by MasterCard International Incorporated.
MasterCard is a registered trademark of MasterCard International Incorporated.

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