AccountNow Gold Visa Prepaid Card review
Reload as much as you'd like but watch out for high fees.
The AccountNow Gold Visa Prepaid Card is a prepaid card that offers the convenience of direct deposit without a checking account. You’ll find easy approval after simple ID verification. And because it’s not a credit card, there’s no credit check. But its fees are slightly higher than the competition.
Monthly maintenance fee
Signature transaction fee
PIN transaction fee
Megan Horner is head of publishing at Finder, where she leads a team that's focused on publishing personal finance guides and reviews that help readers make informed financial decisions. She's passionate about helping you find the best financial accounts to meet your needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been featured on Lifehacker, CreditCards.com, American Banker and news broadcasts across the country. She has a longstanding background in surfacing the best deals and helping people make decisions, including a start as a writer at a comparison website and editing credit card and credit score content at Credit Karma. She earned a degree in English and editing from Brigham Young University.
If you’re looking for an alternative to a standard checking or savings account, AccountNow might have a streamlined solution with its Gold Visa Prepaid Card. Use this card without worrying about overdraft or bounced check fees that typically come with bank accounts.
Even if you have poor credit, you’ll find easy approval with successful confirmation of your identity. Load funds through direct deposit or a third-party money transfer services with no minimum balance requirement.
But watch out for this card’s fees as they’re pricier than most.
How do I open an AccountNow Gold Visa Prepaid Card account?
Follow these simple steps to apply for the AccountNow Gold Visa Prepaid Card.
- Go to the provider’s site and follow the steps to apply.
- From the official AccountNow website, click Login.
- Click Sign up Now and wait to be redirected to the GreenDot website.
- Enter your personal information, agree to the terms and conditions and click Submit Securely.
This prepaid card is open to anyone who meets these simple eligibility criteria.
- You must be at least 18 years old or your state’s age of majority.
- You must be a US citizen or legal resident.
You’ll need the following information on hand when you apply:
- Your full name and residential address
- Your phone number and email address
- Your Social Security number and date of birth
- In some cases, a copy of your driver’s license or other identifying documents
Benefits of the AccountNow Gold Visa Prepaid Card
- No minimum balance requirements. If you don’t have cash to load right away, that’s okay. You can keep your balance as low as you wish.
- Supports authorized users. Get additional cards for authorized users with the right to revoke their privileges at any point.
- Reloadable balance. You can reload money onto your card as much as you’d like. But keep in mind there’s a $5.95 fee for retail reloads.
- ATM withdrawals. Withdraw your cash from an extensive ATM network. But note that each withdrawal comes with a $3 fee. You can avoid the fee by requesting cash back at a merchant and selecting “debit” before you enter your PIN.
What to watch out for
- Poor ratings. AccountNow isn’t rated highly on BBB, with customers complaining about unexpected fees or missing deposits.
- Poor customer service. If you’re looking for the ability to easily speak with a representative, you may want to apply for a different card.
- Maximum balance limits. The max you can keep on this card at any one time is $10,000 — and you can’t load more than $1,500 in cash a day.
- Unavoidable monthly fee. You’ll pay $9.95 a month for this card, unlike other companies that waive the monthly fee when you meet certain direct deposit requirements.
- Usage fees. Many of the AccountNow Gold Visa Prepaid Card‘s services come with a fee. Here’s what you face with this card:
|ATM withdrawals, domestic||$3|
|ATM withdrawals, international||$4.95|
|International transaction fee||3%|
|Balance inquiries at ATMs||$1.50|
|Reloads at retail locations||$5.95|
|Teller cash withdrawal||3%|
|ACH debit payment||$2.50|
|Expedited bill payment||$9.95|
|Card replacement fee||$10|
If you’re looking for a prepaid card with lower fees, compare your options until you find one that’s right for you.
Compare other prepaid cards
Frequently asked questions
AccountNow Gold Visa Prepaid Card is not currently available on Finder
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