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spendwell® Reloadable Visa® Debit Card & Bank Account

Get a $30 credit

When you sign up for spendwell®*

Already have an account? Log in

Overdraft Protection Icon

Overdraft Protection1

An optional service to help you through tight financial situations.

DG Icon

Free to add cash at DG2

You can easily add cash to your account at any Dollar General store using spendwell's barcode reload feature.

Early Deposit Icon

Free early direct deposit3

Log in to your account to quickly and easily set up direct deposit for payroll checks, government benefits, and/or tax refunds. Direct deposits can arrive up to two days faster.

An account that works as hard as you do.

spendwell® Cash Back
redeemable at Dollar General

 

Earn UNLIMITED 1 % Cash Back4 everywhere you use your card added to your account for use only on future Dollar General purchases.

spendwell® No Monthly Fee


No monthly charges helps you get the most from your money.

Every spendwell® account is packed with FREE features and services.

Online bill pay
Online bill pay

Online bill pay
24/7 customer service

Subaccounts
Subaccounts

Keep your family finances in good shape

Send money to other spendwell® accountholders
Send money to other spendwell® accountholders

Certain features do have fees. See spendwell® No Monthly Fees and spendwell® Cash Back fee tables for complete details.

Need a spendwell® debit now?

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

Ready to get started?

* To receive a $30 statement credit for the spendwell® Bank Account: (i) for accounts opened online without prior purchase of a starter card in store, you must successfully register online at myspendwell.com for a new spendwell account between January 1, 2025-February 28, 2025 and activate the permanent card once received in the mail within 30 days of registration, and the statement credit will be posted to the account within 30 days of the permanent card activation; and (ii) for accounts opened following in-store purchase of a starter card, you must purchase a starter card in store between January 1, 2025-February 28, 2025, then successfully register online at myspendwell.com within 30 days of purchase and activate the permanent card once received in the mail within 30 days of registration. The statement credit will be posted to the account within 30 days of the permanent card activation. Limit one (1) $30 credit per customer. Offer subject to change or cancellation at any time. This optional offer is not a Pathward® product or service.

1. Overdraft 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 purchases 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.

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

3. Early access compared to a 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. See additional fees, terms and conditions at myspendwell.com The full Deposit Account Agreement and Demand Deposit Rewards Terms maybe viewed at myspendwell.com.

4. With 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 Demand Account Agreement at myspendwell.com/legal.

spendwell® Bank Account is a demand deposit account established by Pathward®, National Association, Member FDIC. spendwell® account terms, conditions and fees apply. Please see the Deposit Account Agreement for complete details. Card can be used everywhere Visa® debit cards are accepted. Card is issued by Pathward® pursuant to a license by Visa U.S.A., Inc. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.

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