A prepaid debit card with no credit check, free direct deposit and no monthly fee.
Providing quick access to your money, the AccountNow® Prepaid Visa Card is a convenient alternative to traditional bank accounts. You’ll find easy approval after successful ID verification. And because you’re not opening a line of credit, there’s no credit check required. Eligibility requirements are simple, and you won’t need to worry about maintaining a minimum balance.
|Monthly fee with a direct deposit||$0|
|Signature transaction fee||$1|
|PIN transaction fee||$1|
The AccountNow® Prepaid Visa Card is not a credit card, which means it doesn’t provide a line of credit. Instead, you load your own money onto the card through direct deposit, with a third-party service or in person at a retail storefront. You can then use your AccountNow® Prepaid Visa Card for purchases and to access your cash at ATMs displaying the Visa logo.
If you’re wary of rigorous credit checks and fees that typically come with a bank account, the AccountNow® Prepaid Visa Cardcould be a solution. Though they work like bank-issued debit cards, AccountNow prepaid cards are an alternative to checking accounts and check-cashing services. You load money onto your prepaid card to make purchases anywhere that Visa is accepted or withdraw cash from ATMs nationwide. If you typically use a check-cashing service, AccountNow claims that it can save you more than $250 a year with direct deposit of your paycheck into your AccountNow account.
Other than a $4.95 activation fee, cardholders won’t pay fees for overdrafts, bounced checks or direct deposits. Loading your card is simple through direct deposit or third-party money transfer services.
- Checking account alternative.
The AccountNow® Prepaid Visa Card is similar to a debit card in that you can withdraw cash and make purchases with it. Simply preload the card with any amount of money you choose.
- Direct deposit.
Ask your employer to send your paycheck or benefits to the card through direct deposit at no charge.
- Large withdrawal network.
The AccountNow® Prepaid Visa Card works at more than 1 million ATMs worldwide. Or avoid ATM fees by using it as a debit card for cash back at your local grocery store.
- Protection against fraud.
Cardholders are protected by Visa’s Zero Liability and are not responsible for unauthorized transactions if they’re reported within two business days. Funds on the card are also FDIC insured for up to $250,000.
Benefits of the AccountNow® Prepaid Visa Card
- Poor credit accepted.
The AccountNow® Prepaid Visa Card isn’t a credit card, which means it doesn’t require a credit check.
- Easy approval.
Simply provide ID for successful verification — no strict financial and credit requirements.
- No traditional bank fees.
You won’t pay overdraft, bounced check or monthly fees. And there are no charges for direct deposit or cash deposit.
- No minimum balance.
Many checking and savings accounts require a minimum monthly balance. But the AccountNow® Prepaid Visa Card is free from such requirements.
What to watch out for
- Other fees.
With the AccountNow® Prepaid Visa Card, you’ll pay a fee for nearly all offered services — including:
|Visa purchases requiring a signature||$1 per transaction|
|Debit purchases requiring a PIN||$1 per transaction|
|ATM withdrawals||$2.50 per transaction|
|Balance inquiries at ATMs||$1.50 per transaction|
|Reloads at retail locations||$4.95|
- Poor ratings.
AccountNow isn’t rated highly with the BBB. Many customers complain about missing money, unexpected fees and deposits not posting to their account.
- Poor customer service.
It can be hard to get the help you need through an AccountNow representative, which could deter customers.
Compare other prepaid cards
How to apply for the AccountNow® Prepaid Visa Card
- You must be at least 18 years old or your state’s age of majority.
- You must be a US citizen or legal resident.
Required documents and information
- Your full name and residential address
- Your email address and phone number
- Your Social Security number and date of birth
- Your employer or benefits provider offering direct deposit
If you’re looking for a card with no minimum balance requirement and no credit checks, look into theAccountNow® Prepaid Visa Card. But before signing any contract, compare your full prepaid card options.