FastTrac takes money directly from your checking account, not by sending you a bill

FastTrac is a prepaid card service that charges you through automatic deductions from your linked bank account. When you sign up, you authorize FastTrac to pull fees and charges straight from your checking account on the dates they're due. You won't receive a paper bill or an invoice to pay separately — the money moves electronically.

The specific charges that come out depend on which FastTrac product you're using and what actions you take with the card. Some fees are monthly maintenance charges, while others are triggered by specific transactions like ATM withdrawals, balance inquiries, or customer service calls.

Because the money comes directly from your account, it's important to know exactly which fees apply to your plan and when they'll be deducted. This prevents overdrafts and keeps your account balance predictable.

Key Takeaways

  • FastTrac charges you through automatic deductions from your checking account, not through mailed bills or invoices you have to pay separately.
  • Fees are pulled on specific dates each month, so you need to track when they're scheduled to avoid overdrafting your account.
  • Different FastTrac products charge different fees — some have monthly maintenance costs, while others charge per transaction or per service used.
  • You can view upcoming charges and transaction history through your FastTrac account online or by calling customer service to confirm what will be deducted.

What fees FastTrac pulls from your account each month

FastTrac's monthly maintenance fee varies by product type. Some accounts charge a flat fee every month, while others charge only if you use certain features or fall below a minimum balance. The fee is deducted automatically on a set date — usually the same day each month.

Beyond the base monthly charge, FastTrac also deducts fees for specific actions: ATM withdrawals at out-of-network machines, customer service calls, balance inquiries at ATMs, and expedited card replacement. Each of these is a separate charge that comes out of your account when you use the service.

Some FastTrac accounts offer fee waivers or reductions if you meet certain conditions, such as maintaining a minimum balance or setting up direct deposit. Check your account terms to see which fees apply to your specific plan and whether any can be avoided.

How to see what FastTrac will charge you before it happens

Log into your FastTrac account online or through the mobile app to view your fee schedule and upcoming deductions. Your account dashboard typically shows the next scheduled charge date and the amount. This gives you time to ensure your checking account has enough money to cover it.

If you're unsure about a specific charge or want to confirm the exact date a fee will be deducted, call FastTrac customer service. They can walk you through your fee structure and tell you when each charge is scheduled to hit your account.

Keeping track of these dates prevents overdraft fees from your bank if FastTrac's deduction brings your balance below zero. Set a reminder on your phone or calendar for a day or two before each scheduled charge so you know what's coming.

What happens if you don't have enough money when FastTrac deducts a fee

If your checking account doesn't have enough funds when FastTrac tries to pull a fee, your bank will likely decline the transaction. FastTrac may then retry the charge, and your bank may charge you an overdraft or insufficient funds fee for each attempt.

Some banks allow overdrafts and will let the charge go through even if it brings your balance negative, then charge you an overdraft fee on top of the FastTrac fee. Others will block the transaction entirely. Either way, the cost to you goes up.

To avoid this, keep your checking account balance higher than the minimum needed for other expenses. If you know a FastTrac fee is coming and your balance is tight, transfer money in a day or two before the scheduled deduction date.

Stopping or changing FastTrac charges

You cannot stop individual fees from being deducted — they're part of your account agreement. However, you can close your FastTrac account entirely, which stops all future charges. Once you close the account, no more fees will be pulled from your checking account.

If you want to reduce fees rather than close the account, look into switching to a different FastTrac product tier that has lower charges. Some plans have no monthly maintenance fee but charge per transaction, while others charge a flat monthly fee but allow unlimited transactions. Compare the options based on how often you actually use the card.

You can also contact FastTrac to ask about fee waivers or reductions if you meet certain requirements, such as setting up direct deposit or maintaining a higher balance. It's worth asking — some waivers are available but not advertised prominently.

How to dispute a charge you don't recognize

If FastTrac deducted a fee you believe is wrong or unauthorized, contact their customer service immediately. Have your account number and the transaction date ready. Explain which charge you're disputing and why you think it shouldn't have been deducted.

FastTrac will investigate the charge and either confirm it was correct or reverse it if it was an error. Keep records of your communication with them, including the date you called, the representative's name, and what they told you. If the charge is reversed, the money will be returned to your checking account within a few business days.

If FastTrac won't reverse a charge you believe is wrong, you can also contact your bank and file a dispute through them. Your bank can investigate on your behalf and may reverse the charge if they find it was unauthorized or incorrect.

Frequently Asked Questions

Can I set up FastTrac to bill me instead of taking money from my account?

No. FastTrac only works through automatic deductions from your linked checking account. There is no option to receive a bill or pay manually. If you don't want automatic charges, you would need to close the account.

How many days before a FastTrac fee is deducted will I get a notice?

FastTrac does not send advance notices for routine monthly fees. You can see upcoming charges by logging into your account online, but you won't receive an email or text warning before the deduction happens. Check your account regularly to stay aware of when fees are scheduled.

If I close my FastTrac account, will they still charge me?

No. Once your account is closed, FastTrac stops pulling any fees from your checking account. However, confirm the closure is complete by checking your account status online or calling to verify no charges are pending.

What if FastTrac charges me twice for the same fee by mistake?

Contact FastTrac customer service right away with the transaction dates and amounts. They will investigate whether it was a duplicate charge and reverse it if it was an error. Keep documentation of both charges and your communication with them.

Can I change the date FastTrac deducts my monthly fee?

Most FastTrac accounts have a fixed deduction date that you cannot change. Contact customer service to ask if your specific plan allows you to request a different date, but this option is not available on all accounts.