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The monthly fee is 99 cents (unless you make five direct deposits per month), and getting cash from an ATM will cost you $1.95 per transaction. You can add money to the account by using MoneyPak or Swipe Reload at 7-Eleven or CVS, but this will cost $4.95 (charged by the stores). Walmart will let you load cash onto the card for $3.74. Speaking to a live agent is another $2, and writing a check is $2.