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READYdebit Select Visa Prepaid Card review

Last updated:  

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

Our top pick: Greenlight

  • Allowance payouts
  • Usage notifications
  • Flexible parental control
  • Parent-paid interest

Our top pick: Greenlight

Greenlight is the prepaid debit card for kids that parents manage from their phones with flexible parental controls.

  • Flexible plans
  • Real-time extra funds requests
  • No purchase, reload or withdrawal fees

Compare similar prepaid cards and find the best option for you

Compare other prepaid cards

Name Product ATM withdrawal Annual or monthly fee Features
Greenlight
$0
$4.99 per month
  • Allowance payouts
  • Usage notifications
  • Flexible parental control
  • Parent-paid interest
Greenlight is the prepaid debit card for kids that parents manage from their phones with flexible parental controls.
BusyKid
$19.99 per year ($1.67 per month) includes free card; $7.99 per year ($0.67 per month) for additional cards
  • Competitive fee
  • Flexible paydays
  • Savings match feature
The BusyKid Visa® Prepaid Spend Card gives your kids the freedom to spend anywhere Visa® is accepted, and parents see every transaction made.
ACE Flare Account
$2.50
$9.95 per month (or $5 with a $500+ direct deposit)
  • Earn interest on your Flare Account
  • Optional Debit Card Overdraft Service
  • Get paid up to 2 days faster with Direct Deposit
Withdraw up to $400 in cash per day without a fee at participating ACE locations when you have qualifying Direct Deposit activity.
FamZoo
$0
$5.99 per month
  • Free trial
  • Real-time requests
  • Parent-paid interest
Teach your children good money habits with this comprehensive prepaid card and account.
Brinks Prepaid Mastercard
$2.50
$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.
PayPal Prepaid Mastercard
$1.95
$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.
NetSpend® Visa® Prepaid Card
$2.50
$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
  • No transaction fees
  • $5 per month with a $500+ direct deposit
  • Trusted by more than 7 million people
With Netspend, you get a convenient way to manage your money on a prepaid card that is packed with features.
Netspend Prepaid Mastercard, WWE partner
$2.50
$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
 Netspend All-Access Account by MetaBank
$0
$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.
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Compare up to 4 providers

READYdebit Select Visa Prepaid Card review

You won’t pay an activation fee to get started using the READYdebit Select Visa Prepaid Card. An alternative to a checking account, you load up this card with however much money you choose. You can manage your account online, even using online bill pay to send paper checks, if you need them. All of this for a $9.95 monthly maintenance fee.

Applying doesn’t require a credit check — simply provide your personal information for identification purposes. If you are successfully identified, you’ll find easy approval and instant access to a routing and account number.

What are the benefits of the READYdebit Select Visa Prepaid Card?

  • Free direct deposits.
    Set up automatic paycheck or Social Security benefits deposits at no additional charge.
  • Wide acceptance.
    Use this prepaid card anywhere that takes Visa, and withdraw cash from most ATMs.
  • No late fees.
    Because you load the card up with however much money you think you’ll need, you won’t pay a monthly statement — which means no late fees.
  • No setup fees.
    Pay nothing to set up your Select Visa Prepaid Card.
  • Easy approval.
    Once your identification is successfully verified by READYdebit, you’ll find easy approval for this card.

How to use the card

  • Load your money.
    Preload your card by direct deposit using the routing and account numbers that come with the approval. Load your cash at stores with Green Dot, MoneyPaks or Visa ReadyLink. Or transfer money from your bank account using ACH.
  • Online convenience.
    Manage your account online, and easily pay bills electronically.
  • Custom card design.
    Choose from pink, black or blue card designs online.
  • Monthly maintenance fee.
    Pay $9.95 monthly to maintain your card, and pay no transaction fees.
  • Maximum withdrawals.
    Withdraw up to $1,000 daily through a bank teller or up to $500 daily at an ATM.
  • ATM withdrawals.
    You’ll pay $2.50 fee per transaction, $1 per ATM transaction decline and $1.50 per ATM balance inquiry.
  • Secure.
    All of your deposits are FDIC insured for up to $250,000. US cards are covered by Visa’s Zero Liability, protecting you against fraudulent charges as long as you report them in two business days.

How to apply for a READYdebit Select Visa Prepaid Card

Eligibility criteria

  • You must be at least 18 years old.
  • You must be a US citizen or legal resident.

Required documents and information

  • Full name and residential address
  • Email address and phone number
  • Social security number and date of birth
  • In some cases, a copy of your driver’s license for verification

Compare other prepaid cards

If you’re looking for a prepaid card that doesn’t require a credit score, the READYdebit Select Visa Prepaid Card could help. But before choosing this card, compare the full range of your prepaid card options.

Name Product ATM withdrawal Annual or monthly fee Features
Greenlight
$0
$4.99 per month
  • Allowance payouts
  • Usage notifications
  • Flexible parental control
  • Parent-paid interest
Greenlight is the prepaid debit card for kids that parents manage from their phones with flexible parental controls.
BusyKid
$19.99 per year ($1.67 per month) includes free card; $7.99 per year ($0.67 per month) for additional cards
  • Competitive fee
  • Flexible paydays
  • Savings match feature
The BusyKid Visa® Prepaid Spend Card gives your kids the freedom to spend anywhere Visa® is accepted, and parents see every transaction made.
ACE Flare Account
$2.50
$9.95 per month (or $5 with a $500+ direct deposit)
  • Earn interest on your Flare Account
  • Optional Debit Card Overdraft Service
  • Get paid up to 2 days faster with Direct Deposit
Withdraw up to $400 in cash per day without a fee at participating ACE locations when you have qualifying Direct Deposit activity.
FamZoo
$0
$5.99 per month
  • Free trial
  • Real-time requests
  • Parent-paid interest
Teach your children good money habits with this comprehensive prepaid card and account.
Brinks Prepaid Mastercard
$2.50
$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.
PayPal Prepaid Mastercard
$1.95
$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.
NetSpend® Visa® Prepaid Card
$2.50
$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
  • No transaction fees
  • $5 per month with a $500+ direct deposit
  • Trusted by more than 7 million people
With Netspend, you get a convenient way to manage your money on a prepaid card that is packed with features.
Netspend Prepaid Mastercard, WWE partner
$2.50
$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
 Netspend All-Access Account by MetaBank
$0
$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.
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Compare up to 4 providers

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