If your application has been approved, you will need to pay a one-time processing fee of $89.00 to open your account. Once you've paid this fee, you should expect your new card and all the welcome materials to be mailed to your address within 3 business days. Once you've received your FIT Mastercard, you can start using it immediately. You will not be able to make cash withdrawals for the first 95 days from opening your account, but you will be able to make purchases wherever the Mastercard is accepted.