# Blue & Cream Card > A fee-free banking app with debit card, mobile deposit, and financial literacy tools. (iPhone/iPad app by The Blue & Cream Card LLC.) - Source: https://appshunter.io/ios/app/blue-and-cream-card/id1613899678 (this page in markdown: same URL + `.md`) - Developer: [The Blue & Cream Card LLC](https://appshunter.io/developer/1613899680) - Category: Finance - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 14.0 · 20 MB - Languages: English, Spanish - Released: 2022-08-18 - Data updated: 2026-06-13 - Monetization: subscription - User reviews in markdown: https://appshunter.io/ios/app/blue-and-cream-card/id1613899678/reviews.md ## What is Blue & Cream Card? The Blue & Cream Card LLC is the banking app that is ROOTING FOR YOUR FUTURE Say goodbye to check cashing and take charge of your money No overdraft or hidden fees* Open an account in minutes The Blue & Cream Card LLC is a financial lifestyle brand, not a bank. Banking services are provided by Webster Bank N.A., (Member FDIC) through BrightFi LLC, a financial technology company. Did you know that in 2020, banks made $12.4 BILLION in overdraft fees?! This type of predatory lending has caused millions of people to lose access to their bank accounts. We never charge overdraft or any other hidden fees that so often put accounts in the negative. At The Blue and Cream Card LLC, we believe that everyone has the right to financial security. Through financial literacy tips and tools, we encourage positive money habits that pave the way for your future. Take charge of your money with technology and security features that keep you and your money safe. Immediate access to direct deposits, quickly and securely send money to friends and family. “Shady charges? Can’t find your card?” Block your card with a single tap, all in the palm of your hand. WHAT YOU PAY A monthly subscription fee of $7.95 WHAT YOU GET Account for everyday spending Deposits held by Webster Bank, N.A., and FDIC-insured up to $250,000 Mastercard Debit Card Immediate access to your money with mobile check deposit Savings Jars to put money aside for future expenses and goals Transfer money to friends and family within Blue & Cream Card at no extra cost Bill Pay features No overdrafts Live customer service from our Customer Support Specialists in English and Spanish Financial literacy program BANKING FOR EVERYONE The Blue & Cream Card LLC DOES NOT require: Credit checks ChexSystems validations Minimum balances Minimum funding amounts to open an account Eligibility requirements for using Mobile Deposit Here’s how the application process works: 1. Download the Blue & Cream Card app 2. Grab your government issued photo ID (you’ll need it to verify your identity) 3. Open the app, sign up and get approval in minutes 4. Fund your account by depositing a check with your smartphone or filling out a direct deposit form in the app and sending it to your employer 5. Activate your card when it arrives (usually 7-10 business days) 6. Check out our FAQs section to learn more about how The Blue & Cream Card can work for you Questions about signing up or want to learn more? Please visit www.blueandcreamcard.com or call our Customer Support Specialists at (833) 4-BLUECRM Or (833) 425-8327 Your privacy and security are important to us. Please check out our privacy policy at www.blueandcreamcard.com/policies/ ------ Banking services are provided by Webster Bank, N.A., Member FDIC. The Blue & Cream Mastercard® Debit Card is issued by Webster Bank, N.A., pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted. *Out-of-network ATM withdrawal fees apply. ATM withdrawals within the Moneypass ATM network are included at no extra cost. Other fees such as third-party fees may apply. ## Key features - No overdraft or hidden fees - Open account in minutes - Mobile check deposit - Send money to friends and family - Block card with a tap - Financial literacy tips and tools - Savings Jars ## Frequently asked questions about Blue & Cream Card ### What is the monthly fee for Blue & Cream Card? Blue & Cream Card has a monthly subscription fee of $7.95. This fee covers access to an account for everyday spending, a Mastercard Debit Card, mobile check deposit, and other features. ### Does Blue & Cream Card have overdraft fees? No, Blue & Cream Card explicitly states that it does not charge overdraft fees or any other hidden fees. This is a core feature designed to prevent accounts from going into the negative. ### How secure is Blue & Cream Card? The app emphasizes technology and security features to keep your money safe. You can block your card with a single tap if it's lost or stolen. Banking services are provided by Webster Bank, N.A., Member FDIC, which offers FDIC insurance up to $250,000. ### What are the requirements to open a Blue & Cream Card account? Blue & Cream Card does not require credit checks, ChexSystems validations, minimum balances, or minimum funding amounts to open an account. You will need a government-issued photo ID for identity verification. ### How long does it take to get the Blue & Cream Card? After signing up and getting approval, which takes minutes, your physical card will typically arrive within 7-10 business days. You can then activate it upon arrival. ### Can I deposit checks with Blue & Cream Card? Yes, you can deposit checks using your smartphone through the mobile check deposit feature. This provides immediate access to your funds. ### What customer support options are available for Blue & Cream Card? Blue & Cream Card offers live customer service from specialists who can assist in English and Spanish. You can also find answers in their FAQs section or contact them via phone or their website. ### Is Blue & Cream Card available on multiple platforms? While the provided data doesn't explicitly state platform availability, mobile banking apps are typically available on both iOS and Android operating systems. Users would need to check their respective app stores. ## Version history (last 3 releases) ### 1.1.2.7.1 — 2023-03-07 We now allow iOS customers to copy account details using a copy icon to paste information into other apps or fields. We now provide links to the Blue & Cream mobile apps and web app for iOS. ### 1.1.2.6.2 — 2023-02-15 Fix: Customers must enter a dollar amount to deposit a check. Corrected the Account Details/Statements feature to return a list of statements from newest to oldest. ### 1.1.2.5.3 — 2023-01-18 We have corrected an error that caused the app to crash during the selfie validation portion of "Identity Re-Authentication "in the Send Money tool. We fixed an error that prevented the correct popup message from displaying when the user locks or unlocks their card. We have fixed an account ID mismatch error that was incorrectly displayed in the Manage Card tool when you select Lock > Unlock > View pin > Lock. We corrected an error that caused the app to crash after the user successfully sent money to someone. ## Apps similar to Blue & Cream Card | App | Rating | Price | Category | | --- | --- | --- | --- | | [PFCU Protect](https://appshunter.io/ios/app/pfcu-protect/id1528968680) | 3.0 (2) | Free | Finance | | [Rubies Junior](https://appshunter.io/ios/app/rubies-junior/id1528977560) | — | Free | Finance | | [KRAKONS Wallet](https://appshunter.io/ios/app/krakons-wallet/id1524413440) | — | Free | Finance | | [Continental Bank](https://appshunter.io/ios/app/continental-bank/id1527526340) | 4.2 (5) | Free | Finance | | [Metro Bank Authenticator](https://appshunter.io/ios/app/metro-bank-authenticator/id1524446800) | — | Free | Finance | | [Gold Loan at Home](https://appshunter.io/ios/app/gold-loan-at-home/id1527737940) | — | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-13.*