Is the AccountNow Prepaid Visa Card worth it? | April 2018

Review: AccountNow Prepaid Visa Debit Card — April 2018

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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.

Product NameAccountNow Prepaid Visa Card
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of total transaction amount% of transaction value
Minimum Credit ScorePoor (Below 660)
Minimum Age18 years of age
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.

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 for purchases and to access your cash at ATMs displaying the Visa logo.guara

AccountNow Prepaid Visa Card review

If you’re weary 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 from 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.

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

  • Many fees. With the AccountNow Prepaid Visa Card, you’ll pay a fee for nearly all offered services — including:
Activation fee$4.95
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 doesn’t 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.


  • 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.

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

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.

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24 Responses

  1. Default Gravatar
    JuliaApril 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.

    • Staff
      jenivelascoApril 5, 2018Staff

      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!


  2. Default Gravatar
    SherryDecember 31, 2017

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

    • Staff
      MayJanuary 1, 2018Staff

      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.


  3. Default Gravatar
    GoldNovember 2, 2017

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

    • Staff
      RenchNovember 2, 2017Staff

      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 on your AccountNow Prepaid Debit Card is $10,000. You can send funds using your AccountNow Prepaid Debit Card through Western Union as it is good as bank-issued debit card. You can visit this page to know more about the services that Western Union has to offer.

      I hope this helps.


  4. Default Gravatar
    DanaOctober 29, 2017

    Can I over draft my account now card?

    • Staff
      AnndyOctober 30, 2017Staff

      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.


  5. Default Gravatar
    TimothyOctober 11, 2017

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

    • Staff
      JhezelynOctober 12, 2017Staff

      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.


  6. Default Gravatar
    SherriOctober 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

    • Staff
      HaroldOctober 9, 2017Staff

      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.


  7. Default Gravatar
    DamonSeptember 13, 2017

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

    • Default Gravatar
      JonathanSeptember 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.


  8. Default Gravatar
    SylvaSeptember 8, 2017

    What is the maximum amount one can load on accountNow card pls. And can i use the card to send money to my families at other countries through western union?

    • Staff
      AshSeptember 8, 2017Staff

      Hello Sylva,

      Thank you for reaching out to us.

      The maximum amount that you can load on your AccountNow Prepaid Debit Card is $10,000. Yes, you can send funds using your AccountNow Prepaid Debit Card through Western Union as it is good as bank-issued debit card. You can visit this page to know more about the services that Western Union has to offer.

      I hope this helps.

      Let us know if there is anything else that we may assist you with.


  9. Default Gravatar
    SeliJuly 22, 2017

    Hi, i just wanted to know if i could purchase from china with this card?

    • Staff
      HaroldJuly 24, 2017Staff

      Hi Seli,

      Thank you for your inquiry.

      You can make purchases anywhere that Visa is accepted.

      I hope this information has helped.


  10. Default Gravatar
    MichaelJuly 3, 2017

    I received an account now card in mail. I have set up account online and they saying I need to link cards before I can access account online?I I only want this card my account and add my fiance so she has card also?

    • Staff
      HaroldJuly 3, 2017Staff

      Hi Michael,

      Thank you for your inquiry.

      Regarding this matter, while we do not represent any company that we feature on our pages, we can offer you a general advice. You can discuss your options directly with AccountNow if they will allow you to add your fiance to your account. They have the direct access to your account and will be able to discuss the available options or you.

      I hope this information has helped.


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