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Why do I need Visa or MasterCard Prepaid Card?The prepaid card is a lot safer than carryin cash. When cash is lost, it is gone forever. However, if your prepaid card is ever lost or stolen, you're protected by Visa or MasterCard's no liability policy.
Prepaid Card is an effective money management tool today.
Benefits of Pre-Paid Credit Cards:
Easy to Get. Easy to Use
- Getting a card couldn’t be easier. There’s no credit check and no bank account required. When you carry a prepaid card, you can leave your cash at home and enjoy some of the benefits of a bank account without actually having one.
Safer than cash
- When you register your card, if your card is lost or stolen, you’re protected from unauthorized purchases. With Zero Liability, you’re not responsible for unauthorized purchases, whether they’re made in-store, by phone, or online. You can’t say that about cash.
More convenient than cash
- Use your card to make purchases or everywhere Debit Visa or MasterCard is accepted. Or have your paycheck directly deposited to your registered Everyday Prepaid Card.
Easy to pay bills and manage expenses
- No more waiting in line for money orders. Use your card to pay bills and manage your expenses easily with your statement and online financial tools.
Articles
Wired Plastic™ Prepaid Visa® Card
The Wired Plastic Prepaid Visa Card is a stored value card, issued by BankFIRST. The card is aimed at those who have limited or poor credit and may not qualify for an unsecured credit card. A reward program is available.
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The reward program is a rare benefit for a stored value card. Points are earned for all purchases and these can be redeemed for calling cards, ring tones and wireless airtime. There is no limit to the number of points that can be earned and points do not expire.
Customers make payments to the card in advance and a first-time minimum load is required. Direct depositing is free and customers can use online facilities to transfer funds or pay bills. There is no annual fee for this card. A low application fee and a low monthly maintenance charge are applied but overall fees are favorable compared to many cards of this type.
The Bancorp Bank's online application utilizes SSL technology, which encrypts your personal data, keeping it safe.
FLEXIBLE AND CONVENIENT
- USE FOR CAR RENTALS, HOTELS, ONLINE PURCHASES AND MORE!
- ACCEPTED EVERYWHERE VISA IS ACCEPTED
- LOAD CASH AT OVER 100,000 RETAIL LOCATIONS
- ACCESS CASH AT OVER 50,000 ATMS
- NO BOUNCED CHECKS, NSF OR OVERDRAFT CHARGES EVER!
- 30 DAY MONEY BACK GUARANTEE
- IF YOU ARE NOT COMPLETELY SATISFIED FOR ANY REASON CALL US AND GET A REFUND OF YOUR ACTIVATION FEE
WIRED PLASTIC™ PREPAID VISA® CARD FEES
| Card Usage Fees | |
| Activation Fee | $9.95 (one time fee) |
| Monthly Fee1 | $3.95 (per month) |
| Domestic Signature Transaction Fee | FREE |
| Domestic PIN Transaction Fee | $0.95 (each) |
| PIN Transaction Decline Fee | $0.45 (each) |
| Bank Teller Cash Advance Fee | $4.95 (each) |
| U.S. ATM Withdrawal Fee | $1.95 (each) |
| U.S. ATM Balance Inquiry Fee | $0.95 (each) |
| U.S. ATM Decline Fee2 | $0.95 (each) |
| International ATM Withdrawal Fee | $4.95 (each) |
| International ATM Balance Inquiry Fee | $1.95 (each) |
| International ATM Decline Fee2 | $1.95 (each) |
| International Transaction Fee3 | $0.45 (each) |
| International Transaction Fee (PIN)3 | $0.95 (each) |
| Wired Plastic Account Services | |
| Click-n-Pay Electronic Payment Fee | $0.45 (each) |
| Click-n-Pay Electronic Payment Fee | $0.95 (each) |
| Click-n-Pay Check Cancellation Fee | $9.95 (each) |
| Deposit to a U.S. Bank Account Fee | $0.95 (each) |
| Phone Account Access | FREE |
| SMS/Email Alerts | FREE |
| Online Account Access | FREE |
| Live Agent Customer Service Fee | 2 free calls per month $0.95 per call thereafter |
| Replacement Card Fee | $3.95 (per replacement Card) |
| Express Mail Fee | $15.00 (each) |
| Paper Statement Copy Fee | $2.95 (each) |
| Return Check Fee | $25.00 (each) |
| Adding Cash | |
| Direct Deposit | FREE |
| Bank Wire Transfer Fee | $6.95 (each) |
| Bank ACH Transfer | FREE |
| Bank Bill Pay Transfer | FREE |
| PayPal Transfer | FREE |
| Retail Cash Load Fee4 | Varies by retail partner. Log in to your Card Account online for detailed retail load fees |
| MoneyGram Convenience Fee5 | $1.00 (per value load at MoneyGram) |
1 The cardholder can elect to be billed on an Annual Fee or Monthly Fee basis. If no election is made the cardholder will be billed on a Monthly Fee basis.
2 The U.S. ATM Decline Fee and International ATM Decline Fee will appear as "ATM Decline Fee" on your card account detail or monthly statement, if you elect to receive monthly statements.
3 The International Transaction Fee and International Transaction Fee (PIN) will appear as "International Transaction Fee" on your card account detail or monthly statement, if you elect to receive monthly statements.
4 Any Retail Cash Load Fee amount is an independent fee assessed by the individual retailer only and is not assessed by us.
5 MoneyGram may charge an additional service fee for using their services. Any MoneyGram fee amount is an independent fee assessed by MoneyGram only and is not assessed by us. The merchant may charge an additional service fee for using its services to accept a ReadyLink payment. Any fee charged by the merchant on a ReadyLink load is an independent fee assessed by the merchant only and is not assessed by us.
If you use an ATM not owned by us for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Card.
About Prepaid Cards
Prepaid Visa or MasterCard (also known as stored value cards) are pre-funded reloadable cards. They require payment in advance to the card company, after which the cards can be used until the payment is depleted. The cards can be recharged to be used again. The cards can be used anywhere Visa or MasterCard are accepted and at ATMs worldwide.
There are fees associated with these cards so please read the fees and disclosures for each card when applying.
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