Finanzas Justas - No tricks, no hidden fees.

Type of account:

Prepaid Card

Available in

all 50 states

What you will need to sign up:

  • Download the Lemando app on your iPhone or Android phone
  • Enter your personal info when asked by the app, including date of birth and social security number or ITIN or government-issued photo ID.
See the Summary of Fees
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Apply via Lemando's mobile app

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  • Direct Deposits (of salary and/or benefits).
  • Paper checks: deposit funds from approved checks using the in-app Ingo™ Money feature²
  • Load cash at rePower locations. Find reload locations inside the Lemando app.  
  • Transfer money to and receive  transfers from other Lemando cardholders in real-time.  
  • Transfer money from a bank  account. 

Choices for Obtaining Cash

  • Find  +50,000 in-network ATMs using the Lemando App.  
  • Get cash back from participating retailers when you make a purchase.  
  • Make an over-the-counter withdrawal from a bank teller, down to the penny. 

Other Ways of Using Funds

  • Pay your  bills, set-up automatic recurring payments and make purchases online using your card.  
  • Send money to other Lemando cardholders in real-time through the app. 
  • Coming soon: Send money internationally, in  real-time through the Lemando app*

Other Services

  • Receive  updates on your spending, reload and withdrawal activity in real-time, so you  always know what's happening with your money 
  • Track your purchase history  inside the app, so you can know how you're spending 
  • Receive tips and advice on how  to avoid unnecessary fees. Our goal is for you to use the Lemando card and  not pay any fees! 
  • Coming soon: Set aside money  regularly in a reserve account so you're prepared for emergencies. 
  • Coming soon: Access affordable  loans that help you build credit in the Lemando app.*

Monthly Fee


Per Purchase


ATM Withdrawal

$0 for first in-network ATM / month, $2.50 per ATM withdrawal thereafter

Cash Reload

$2.95 to $5.95, depending on location

ATM Balance Inquiry Fee


Customer Service Fee

  • automated  (IVR)               $0
  • by Live Agent                     $0
  • by Email or Chat                $0

Inactivity Fee


Additional Fees1

Here are some of the other fees:
  • Over the Counter “OTC” : $0 for the first withdrawal per pay period, $2.50 per OTC withdrawal thereafter.
  • Card replacement  fee: one free card replacement every  six months, $4.99 thereafter
  • International Transactions fee:   2% of transaction value
¹ The display of fees above is not a full and complete statement of fees. For the full fee schedule, card limits, and terms and conditions call 1-844-LEMANDO (1-844-536-2636) or visit the Lemando website.
The Lemando Prepaid Mastercard®  is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International. Mastercard is a registered trade mark of Mastercard International. The card may be used everywhere Debit Mastercard is accepted. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.

² Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & Conditions and Privacy Policy. Approval review usually takes 3-5 minutes, but may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Unapproved checks will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding or if you otherwise act illegally or fraudulently. Fees may apply for loading or use of your card. See your Cardholder Agreement for details. 

* The international money transfer service and affordable loan service are optional offers administered by Lemando Inc. They are not Sunrise Banks N.A. products or services, nor does Sunrise Banks N.A. endorse these offers.

All text and pictures on this page copyright Lemando, Inc.
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