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Universe Silver

Universe Silver

Universe Silver is a banking and debit solution provided by the Central Bank of Kansas City. Membership is currently limited-access and only available to select customers. Accounts can be reloaded at one of many deposit locations across the country, and members can take advantage of no-fee cash withdrawals within its ATM network. Universe Silver accounts come with 24/7 account access and customer support, bill pay options and direct deposit with early funding.


Universe Silver is a limited-access deposit account backed by the Central Bank of Kansas City. It offers many banking features, such as Visa debit cards, ATM access, cash deposits, bill pay, direct deposit and more.


  • 100,000+ deposit locations
  • Early direct deposit
  • No-fee ATM network
  • 24/7 customer service


  • Extra fees for deposits
  • Limited availability

How does Universe Silver work?

Universe Silver is a secure banking solution for those who don’t need all the bells and whistles of a larger bank. Customers add funds to their account through Green Dot’s Reload@theRegister service, which offers more than 100,000 cash deposit locations across the United States.

Reloading the account typically has a fee of up to $4.95 and a wait time of around 10 minutes before the funds are available. Universe Silver’s secured debit cards can be used anywhere Visa is accepted, and the card's design can be customized from the Universe Silver website's template gallery.

These deposit accounts are currently only available to select customers, but you can sign up for alerts when the service fully launches to the public. Universe Silver cards are also available at select TitleMax locations.

Universe Silver fees

Universe Silver charges a few different fees to service your account. To deposit funds into your account, you’ll be charged up to $4.95. If you have optional overdraft protection, you pay a fee of $15 for each transaction that overdraws your account, but account holders have the opportunity to return the account to a $0 balance by the end of the day.

The overdraft fee can be charged up to four times monthly. For more information on the fees associated with an account, cardholders should consult their deposit account agreement.

Universe Silver FAQ

What bank is Universe Silver?
Universe Silver accounts and debit cards are issued by the Central Bank of Kansas City. Deposit accounts through Universe Silver have access to thousands of deposit and ATM locations throughout the country.
Is Universe Silver safe?
Universe Silver is a safe account backed by an established bank. The company issues secured Visa debit cards. Its accounts include continuous fraud monitoring to keep your money safe.
Who owns Universe Silver?
Universe Silver is a trademark of TitleMax. These accounts are issued by the Central Bank of Kansas City.

Is Universe Silver good?

Universe Silver is a good option for those who need simplified banking solutions. It’s easy to withdraw and deposit cash, though you may pay fees for deposits or out-of-network ATM withdrawals. Customer support and online access are available 24/7, and the service offers many useful features like bill pay, direct deposit and fraud monitoring. These accounts are limited access for now, but you can sign up to receive an alert when Universe Silver accounts are available to the public.

Universe Silver Reviews

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Page 1 Reviews 0 - 30
Rated with 1 star
Verified Reviewer
Original review: Sept. 2, 2020

Deposit agreement Clearly say that I receive a payment or direct deposit from the same payers that I qualify for early release.. I received two payments from my treasury within 24 to 48 hours and they held the first deposit for 6 days. I received the second deposit on the sixth day. Today released the first deposit and now they're holding the second deposit for 3 days. Where is the early release and they coming from the same payers which is a violation of the agreement. This has caused me to have my power turned out and get a late notice for my rent and I'm on a fixed income and I can't afford these extra charges. But due to their refusal to honor their deposit agreement this has put me in a more difficult financial situation and I'm on a fixed income.

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    Universe Silver Company Information

    Company Name:
    Universe Silver
    15 Bull St Ste 200
    Postal Code:
    United States