Fees & Rewards

Fees & RewardsThe ScanPay Spend Account and Spend Card are built for small business owners who expect straightforward, transparent pricing with no hidden charges. Below is a full breakdown of applicable fees.

Account and Card Fees

Feature Fee
Account opening$0
Monthly account fee$0
Annual account fee$0
Virtual card issuance$0
Physical card issuance$0
Card replacement and shipping$0
Inactivity or maintenance$0
ATM withdrawalsNot supported1

Transfers and Payments

Transaction Type Fee
ACH transfers to any U.S. bank$02
Incoming ACH transfers$03
Outgoing domestic wire transfers$15 per transfer4
Incoming domestic wire transfers$0
Transfers between ScanPay accounts$0

Foreign Transactions

Usage Fee
International card transactions 1% of the transaction amount5
Legal Disclosures

1. ATM Access: The ScanPay Spend Card is not enabled for ATM cash withdrawals or balance inquiries.
2. ACH Transfers (Outgoing): There is no fee for standard ACH transfers initiated from your Spend Account to any U.S. bank.
3. ACH Transfers (Incoming): Standard incoming ACH debits and credits are free of charge.
4. Domestic Wire Transfers: A $15 fee applies to each outgoing domestic wire. Incoming wires are free.
5. Foreign Transaction Fee: A 1% fee applies to transactions processed outside of the United States or in a currency other than U.S. dollars.


Important Information


The ScanPay Spend Account is offered in partnership with Fifth Third Bank, N.A., Member FDIC. Funds held in your account may be eligible for pass-through FDIC insurance coverage, up to the applicable limits.The ScanPay Spend Card is issued by Celtic Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Use of the Spend Card is subject to the Cardholder Terms, Bank Terms, and Program Disclosures.