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READYdebit® Prepaid Cards

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Use the READYdebit Prepaid Cards like a checking account to buy the things you need everyday.

Sometimes we need tools to stay on budget and track our spending. A solution like a prepaid debit card means you’ll never spend more than you load onto the card, avoiding overdraft fees and minimum credit score requirements. READYdebit Prepaid Cards have an online application and you’re guaranteed 100% approval after successful ID verification. READYdebit even accepts you if you’re trying to rebuild your credit history and getting turned away from traditional banks.

As a cardholder, it’s simple to make a purchase online or by phone, and you can use your READYdebit Prepaid Card to pay for gas, book a flight, buy merchandise and pay your bills online.

Types of READYdebit Prepaid Cards

READYdebit’s prepaid cards offer easy online bill pay, free direct deposit, and ATM cash access. They guarantee approval and don’t require credit or ChexSystems checks. If you decide to load up your card through direct deposits, you can avoid cash checking fees. Watch out for the setup and other transaction fees involved, and be sure to understand all the fees of the card you are applying for so they don’t sneak up on you.

Rates last updated July 19th, 2018
Name Product Product Description Monthly Service Fee ATM Withdrawal Fee ATM Balance Inquiry Fee
READYdebit Control Visa Prepaid Card
The READYdebit Visa Control Prepaid Card lets you keep track of your purchases, and stick to a budget.
READYdebit Select Visa Prepaid Card
The READYdebit Visa Select Prepaid Card is issued by MetaBank, and you can use it anywhere that accepts Visa.

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  • No debt. Because READYdebit Prepaid Cards are not credit cards, you don’t have to worry about going into debt. The only money that can be spent on the card is the amount you choose to load beforehand. These cards take overspending out of the picture.
  • No carrying cash. Instead of carrying loose cash in your wallet, you can deposit it onto the card. Cards can be loaded by direct deposit, or by loading cash with Green Dot Reload @ the Register. You can also use Visa ReadyLink at retail locations to load up the card with cash.
  • Easy acceptance. You can get a READYdebit Prepaid Card even with bad or poor credit. Since you’re not opening a line of credit, you don’t have to do a ChexSystems or credit check when you apply.
  • Accessible. You can use your card anywhere that accepts Visa. This includes places worldwide, online stores, gas stations and more. Your card will be accessible at over one million ATMs.
  • Secure. Your money is protected by the Visa Zero Liability policy.
  • No minimum balance. With READYdebit Prepaid Cards, you don’t have to worry about keeping a certain balance in your account. There’s no minimum balance requirement.

What to watch out for

Fees. Even if the card has no monthly service fee, there’s usually a small setup fee, fees for purchases, foreign transactions, using an ATM and inactivity. Read the fine print so you know which fees to look out for.

How to apply

Applying for a card is easy, and READYdebit guarantees 100% approval with successful ID verification. You’ll need to meet the following simple eligibility requirements:

Eligibility criteria

  • At the least 18 years old
  • US citizen

Required documents & information:

  • Full name
  • Residential address
  • Birthdate
  • Email address
  • Phone number
  • Social Security number

You may also be asked to provide a copy of your driver’s license to help the ID verification process.

Frequently asked questions

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