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AccountNow Prepaid Visa Card review

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Please note: This card has been discontinued, and it is not available on our site.

Check out similar prepaid cards and find the best option for you.

AccountNow Prepaid Visa Card review

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.

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 Card could 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 with other prepaid cards

Name Product Annual or monthly fee ATM withdrawal Features
Brinks Prepaid Mastercard
$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
  • Mobile app
  • Direct deposit
  • Payback rewards
No credit check. No minimum balance. No late fees because this is not a credit card.
Netspend Prepaid Mastercard, WWE partner
$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
  • No activation fee
  • Payback rewards
  • No minimum balance required
No credit check, mobile check load, and now a WWE partner
Control Prepaid Mastercard
$7.95 per month (or $5 with a $500+ direct deposit)
  • Custom Card
  • Direct Deposit
  • Cash Back Rewards
No overdraft fees on card purchases. No credit check. No cost to order
 Netspend All-Access Account by MetaBank
$5 per month
  • Earn cash back on everyday purchases
  • Earn up to 6% APY with an optional Savings Account
  • Receive your paycheck up to 2 days earlier with Direct Deposit
With Netspend All-Access Account by MetaBank there's no credit check and no minimum balance to open an account.
PayPal Prepaid Mastercard
$4.95 per month
  • Manage money on the fly
  • Receive special offers and cash back rewards
  • Get your state and federal tax refund faster than a paper check
Use the no-cost direct deposit service and have access your funds up to two days faster than what traditional banks offer.

Compare up to 4 providers

How to apply for the AccountNow Prepaid Visa Card

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.

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

Bottom line

If you’re looking for a card with no minimum balance requirement and no credit checks, look into the AccountNow Prepaid Visa Card. But before signing any contract, compare your full prepaid card options.

Ask an expert

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    Default Gravatar
    February 28, 2019

    Can I use mine in the Netherlands while I’m there visiting?

      Avatarfinder Customer Care
      March 3, 2019

      Hi Jeremy,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      The answer is yes. You can use your card everywhere in the Netherlands where Visa debit cards are accepted. According to AccountNow’s website, you would be charged $4.95 for using an ATM overseas.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    August 21, 2018

    I need a money but money in my card

      Avatarfinder Customer Care
      August 22, 2018

      Hi Kimberly,

      Thank you for leaving a question.

      On withdrawing money from your card, may it be a debit card or credit card. These come with a pin number which you could use during withdrawals. The only difference of the two cards is that for a debit card, you are only allowed to withdraw up to the available limit while you may be able to take out a cash advance on your credit card up to a certain limit. You may need to contact your card provider if you need further assistance in this process. Be sure that the ATM you are withdrawing from has a VISA logo if you have a VISA card and vice versa. Hope this helps!


    Default Gravatar
    July 9, 2018

    Can i wire transfer money to my account now visa debit card?

      Avatarfinder Customer Care
      July 10, 2018

      Hi Trisha,

      Thanks for reaching out.

      A bank-to-bank wire transfer sends money directly from your bank account to another bank account. Sending a wire transfer to a debit card may not work unless you provide the bank account where this debit card is linked to.

      The information needed will include the recipient’s bank account information, including routing and account numbers. Learn more on how wire transfer works.


    Default Gravatar
    April 5, 2018

    I have a question. I have tried to use this card and it keep saying declined why when there $10.05 on it and I tried to use the $10.05.

      Avatarfinder Customer Care
      April 5, 2018

      Hi Julia,

      Thank you for getting in touch with finder.

      I understand that you are trying to use your remaining $10.05 remaining balance from your AccountNow Prepaid Visa Card.

      Please be mindful of those fees charged when using the card like Visa purchases requiring a signature which is $1 per transaction or balance inquiries at ATMs for $1.50 per transaction which could be the reason that your transaction for the whole amount of $10.05 did not push through.

      You may also confirm other possible fees that may apply every time you use the card from AccountNow’s website or by contacting them directly.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

      I hope this helps.

      Have a great day!


    Default Gravatar
    December 31, 2017

    Someone stole my card, I reported it and filled out form. How long does it take to replace the money

      Avatarfinder Customer Care
      January 1, 2018

      Hi Sherry,

      Thank you for your inquiry.

      When your card gets stolen or lost, you could possibly lose all your money on the card. Looks like the only thing Green Dot Bank can do is to stop someone from using your card but not really replace the money taken out from the card. I encourage you to contact Green Dot immediately to confirm this.

      In the PDS, it stated that you must notify the bank of the loss or theft as soon as possible. If you report within two business days after you learn of the loss or theft, you can lose no more than $50. Otherwise, you could lose as much as $500 if you will not notify them within that period. Furthermore, you will not be liable for the amounts stated unless Green Dot determines that you were grossly negligent or fraudulent in the handling of your Card.

      Hope this helps.


    Default Gravatar
    November 2, 2017

    Using the accessnow card, What’s the maximum amount I can swipe to an info via Moneygram

      Avatarfinder Customer Care
      November 2, 2017

      Hi Gold,

      Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      The maximum amount that you can load onto your AccountNow Prepaid Debit Card is $10,000. You can send funds using your AccountNow Prepaid Debit Card through MoneyGram as it is good as bank-issued debit card.

      Money transfer limits may vary depending on the sender’s location, receiver’s location, chosen payment and delivery method, to name a few. If you are sending money from the US through MoneyGram, the maximum amount that you can send for most countries is up to $10,000.00 per online transfer and up to $10,000.00 every 30 calendar days. If necessary, you may send additional funds from a MoneyGram agent location.

      I hope this helps.


    Default Gravatar
    October 29, 2017

    Can I over draft my account now card?

      Avatarfinder Customer Care
      October 30, 2017

      Hi Dana,

      Thanks for your question.

      With AccountNow, you can only spend depending on how much you load on your card. You cannot overdraft your account.


    Default Gravatar
    October 11, 2017

    Can I make transfers to another account with an ATM with my account now debit visa card?

      Avatarfinder Customer Care
      October 12, 2017

      Hi Timothy,

      Thank you for your comment.

      Technically, you can use this account to send money and pay bills. Bill Pay sends money from your prepaid account electronically or through the mail. If your payee accepts Electronic Funds Transfer (EFT), you can have payments sent electronically. Basically, this process of transferring money is done online.

      Hope this helps.


    Default Gravatar
    October 9, 2017

    Been a customer for The Last 5 Years with account now debit card my card expired 917 my new card went to an old address I’m just finding out that the card has been at that address now all my accounts are frozen the old card and the new card I’m wanting to access money off of that card and there are they able to help me someone please tell me how to resolve this problem

      Avatarfinder Customer Care
      October 9, 2017

      Hi Sherri,

      Thank you for your inquiry.

      It would be nice if you could settle the correct information. Please coordinate with AccountNow to facilitate the correction in your address and if it would be possible to reactivate your accounts from them.

      I hope this information has helped.


    Default Gravatar
    September 13, 2017

    Does my account now card have overdraft protection if I have direct deposit?

      Default Gravatar
      September 14, 2017

      Hello Damon,

      Thank you for your inquiry.

      There is no overdraft protection on this card because this is not a traditional checking account. You only use what is available and should there be a negative balance, it will be deducted on your future loading or any other Card issued by Green Dot Bank that you maintain.

      Kindly refer to Cardholder Agreement for complete disclosure of product terms.

      Hope this helps.


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