Western Union and Harris Teeter have teamed up to offer you an exciting new voluntary program! We want you to experience all of the great benefits of the Western Union® Prepaid MasterCard®1.

Plus, you can add cash to your card for FREE at all Harris Teeter locations using promo code J9073.

Get started - choose your card!

Great Card Benefits:


A prepaid card with nothing to hide!1

  • No monthly maintenance fees
  • No purchase transaction fees
  • No overdraft or late payment fees

Reload with four convenient ways:

  • Cash at an Agent location3
  • Direct Deposit a payroll check4
  • Receive a Western Union Money Transfer® transaction5
  • Transfer from a bank account

Manage your money
Only spend the money you have on your card. Plus, track your balance and spending online, over the phone and with email or mobile text notifications.2


Your money is protected
If your card is lost or stolen, your money is protected by 
MasterCard's Zero Liability Policy.6




Plus with Gold Card
All the great benefits of a prepaid card, plus save time and earn rewards7 including service fee reductions on qualifying Western Union® transactions.9



Frequently Asked Questions

Q: How is this prepaid card different from a credit card?
A: With this card, you add your own money before you can use it to purchase goods and services. There are no overdraft fees or late payment fees with this prepaid card. Also, you cannot overspend and be charged interest on this card.

Q: How can I keep track of the money I spend on my card?
A: You can manage and track your spending and balance online, over the phone or though mobile text notifications2 - 24/7! Visit to sign up or learn more. Standard message and data rates may apply.

Q: Is the money on my card protected?
A: Yes, your funds are protected by MasterCard's Zero Liability policy.6 In the event you lose your card, it is very important you call the number on the back of your card as soon as possible. See terms and conditions for more details.

Q: Can I withdraw cash at an ATM and use it online?
A: Yes, your card is able to be used anywhere Debit MasterCard is accepted.8 Don't forget to select Checking when withdrawing from an ATM.

Q: Can I change my PIN #?
A: You can easily change your PIN by calling our automated Customer Service line.


Common Card Fees (see Cardholder Agreement for a complete description of fees):
Monthly Maintenance Fee FREE
Signature Purchase Transaction Fee (when sufficient funds are available) FREE
PIN Purchase Transaction Fee FREE
Employer Payroll or Government Benefit Payments Direct Deposit FREE
Automated Phone Customer Service FREE
Live Customer Service FREE
Online Electronic Statement FREE
SMS and Email Notifications (standard message and date rates may apply) FREE
ATM Balance Inquiry / Decline Fee $0.45
ATM Withdrawal Fee (plus applicable ATM operator fees) $1.95
Inactivity Fee (monthly charge beginning in month 13 of inactivity) $2.95
Agent Location Cash Load Fee $4.95


Additional fees could include Reissue card fee of $5, Bank to card transfer fee of $1 and a paper statement fee of $3, and currency conversion gains and fees.

2 Standard message and data rates may apply.

3 Load transactions (i) that exceed certain dollar amounts or (ii) that implicate certain regulatory issues may be restricted by us as outlined in the individual Cardholder Agreement.

4 The card is subject to load and account balance limits. If a direct deposit transaction would exceed these limits, the transaction will be denied and you will need to obtain your funds some other way. Only certain funding sources may send direct deposits to your card. See Cardholder Agreement for details. Direct deposit feature is subject to your funding source's support of direct deposit. Check with your funding source to find out how quickly direct deposit will commence. Funds availability is subject to funding source's timing.

5 The card and future money transfers to the card can only be sent or loaded to cards with addresses in the U.S. except Arizona, PO Boxes and U.S. territories. Maximum receive limit: $950/day/card account.

6 MasterCard's Zero Liability Policy covers U.S.-issued cards only and does not apply to the cost of replacing the card, ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit Refer to Cardholder Agreement for fees on card use, replacement and card account closure. Certain conditions and exceptions apply.

7 Certain features of the Western Union Gold Card are only available at Western Union Agent locations equipped with PC computers. The Gold Card is property of Western Union, and the Gold Card program may be canceled without notice. Other restrictions and limitations may apply. See the Western Union Gold Card Agreement for more details. Rewards subject to change without notice.

8 Cash access is only available upon successful identification verification. Maximum cash withdrawal limit is $500 per day.

9 Valid only for Western Union Money Transfer® and Western Union® Quick Collect® transactions completed in the U.S. at participating Agent locations.