Banking Disclosures
The following disclosures apply to the Lead Bank Prepaid Visa Card issued by Lead Bank, a Missouri state-chartered bank, and made available through Blaze Payments, Inc. These disclosures are provided in accordance with applicable federal regulations.
Important Notices
- Your funds are not FDIC insured.
- No overdraft/credit feature.
- The Card is a prepaid card account and does not have an expiration date.
- The Card is not a gift card, credit card, or connected to any deposit account.
Fee Schedule: Short Form
| Fee Type | Amount |
|---|---|
| Monthly Fee | $0.00 |
| Per Purchase | $0.00 |
| ATM Withdrawal | n/a |
| Cash Reload | $0.00 |
| ATM Balance Inquiry Fee | n/a |
| Customer Service Fee | $0 |
| Inactivity Fee | $0 |
Fee Schedule: Long Form
| Fee | Amount | Details |
|---|---|---|
| Card Purchase | $0 | There are no fees to purchase a Card. |
| Monthly Fee | $0 | There are no monthly fees. |
| Direct Deposit | n/a | Direct deposit is not available. |
| Cash Reload | $0 | There are no fees to add funds to your Card. |
| Bill Payment | n/a | Bill payment is not available. |
| ATM Withdrawal | n/a | ATM withdrawals are not available. |
| Customer Service | $0 | There are no fees for customer service. |
| ATM Balance Inquiry | n/a | ATM balance inquiries are not available. |
| International Transaction | 0% | A fee of 0% applies to the U.S. dollar amount of each transaction conducted with merchants outside of the U.S. |
| Inactivity | n/a | There are no inactivity fees. |
Unauthorized Transactions
Tell us and Blaze AT ONCE if you believe your Card has been lost, stolen or otherwise compromised or if you believe that a transaction on your Card has been made without your permission by calling us at +1-833-237-8104 or emailing us at support@blaze.money. Delays in notifying us could result in you losing some or all of the money on your Card.
If you tell us within 2 business days after you learn of the loss, theft or compromise of your Card, you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell us within 2 business days and we can prove we could have stopped someone from using your Card, you could lose as much as $500.
Also, if your transaction history shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the earlier of (i) the date you electronically access a transaction history for your Card, or (ii) the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
Error Resolution Procedures
In case of errors or questions about your Card, call us at +1-833-237-8104 or email us at support@blaze.money as soon as you can. We must allow you to report an error until 60 days after the earlier of the date (i) you electronically access your Card Account, or (ii) we sent the FIRST written history on which the error appeared.
If you believe an error has occurred, you will need to tell us:
- Your name and Account ID
- Why you believe there is an error, and the dollar amount involved
- Approximately when the error took place
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 days to investigate. If we decide to do this, we will credit your Account within 10 business days for the amount you think is in error.
For errors involving new Cards or point-of-sale transactions or foreign-initiated transactions, we may take up to 90 days to investigate. For new Cards, we may take up to 20 business days to credit your Card.
Our Liability for Failures to Make Transfers
If we do not complete a transfer to or from your Card Account on time or in the correct amount, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
- If, through no fault of ours, you do not have enough money on your Card to make the transfer.
- If the transfer would go over the credit limit on your overdraft line (if applicable).
- If the ATM where you are making the transfer does not have enough cash (if applicable).
- If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
- If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
- If the funds in your Card Account are subject to legal process or other encumbrance restricting the transfer.
- If your Card has been reported as lost or stolen and we have blocked the Card.
- There may be other exceptions stated in our agreement with you.
Contact Information
Contact us by calling 1-833-237-8104 or emailing support@blaze.money.
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.