"AccountNow rocks spending power!! I was unable to get a checking account and got the AccountNow prepaid card. Now, new purchasing doors have opened to me and AN
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AccountNow Visa or Prepaid MasterCard card
Achieve financial freedom with an AccountNow Visa or Prepaid MasterCard card. An AccountNow prepaid card account can help to manage your money safer, easier, and cheaper.
Works like a checking account
AccountNow Prepaid Visa and Prepaid MasterCard cards work like a checking account. Keep your money safe in one of our prepaid card accounts instead of carrying it around in cash. All AccountNow prepaid accounts are FDIC insured, like a checking account, to ensure the safety of your money.
Our prepaid accounts all come with a prepaid card containing the debit logo. Our prepaid cards are like bank issued debit cards but better. Not only can you make purchases and withdraw cash with our prepaid card, but you never have to worry about overdrafts because you can only spend what is in your account.
Better than a credit card.
AccountNow Prepaid Visa & Prepaid MasterCard cards do not extend credit like credit cards, meaning you can't spend money you don't have. Since you are only spending money you add to your prepaid card account, you can avoid falling into debt and possibly damaging your credit score. Because you're not borrowing money, you will never have to worry about finance charges, late charges, or over-the-limit fees.
The AccountNow prepaid card is a Visa or MasterCard branded debit card. Not only can you use our card to shop & pay bills online, make hotel & car rental reservations, and purchase goods & services wherever Visa or MasterCard is accepted but it can also be used to withdraw cash at virtually any ATM or bank.
Saves you lots of money.
Save hundreds of dollars a year using the AccountNow Prepaid Visa and Prepaid MasterCard card instead of traditional checking accounts, credit cards, bill paying services, check cashing, or bill paying services.
There are never any late fees, finance charges or overdraft fees. You get unlimited bill paying - no need to pay for postage or money orders. Also, you'll never have to pay to cash your benefits or payroll check when you use our free direct deposit service.
Safer than cash.
Your AccountNow Prepaid Visa or Prepaid MasterCard card is protected against fraud with Visa's Zero Liability and the MasterCard Zero Liability** coverage. This protects you from unauthorized charges made to your prepaid card account in case your card is lost or stolen.
The funds on your AccountNow prepaid card are also FDIC-insured and backed by the US Government.
Everyone is accepted.
Getting an AccountNow Prepaid Visa or Prepaid MasterCard card is easier then qualifying for a credit card or checking account. 100% guaranteed approval ensures you will qualify for one of our prepaid card accounts as long as you have valid identification.
If you have bad credit history or no credit at all you can still get an AccountNow prepaid card because we will never check your credit. Even if your banking history isn't great or you are on ChexSystems, you are still eligible to get one of our prepaid card accounts.
Pricing and Fees
A great customer experience matters to us - that's why we would like you to understand our pricing.
Monthly Fees - Fees we charge to maintain our service
Transaction Fees - Fees we charge for commonly used services
|Activating your card||FREE|
|Adding Money by Direct Deposit||FREE|
|Adding Money by Cash
(Retail locations may charge a fee)
|Plus, Get a $25 Credit|
|U.S. card purchases when using your signature||Free|
|Transferring money from one card to another||Free|
|Managing your account online, online statements||Free|
|Paying your bills online with Bill Pay||Free|
|U.S. card purchases when using your PIN:||Free|
|Deposit alerts, balance, and other account information sent to your cellphone with Mobile Text Alerts||Free|
|Calls to a Customer Service Agent||Free with recurring Direct Deposit
(otherwise: 1 free call/month; $2 thereafter)
|Automated phone system for account information||Free with recurring Direct Deposit
(otherwise: up to $0.50)
|Using ATM to obtain balance||$1.00|
|Using a U.S. ATM to withdraw money||$2.50|
|ATM decline fee||$0.40|
Usage Limits - Dollar limits for typical transactions
|Transaction Type||Dollar Limits|
|Cash Withdrawals (ATM, MoneyShare)||$500/day for those with recurring Direct Deposits
|Card Purchases||For signature purchases, $1,500/day
For PIN purchases, $1,000/day
|Card-to-Card Money Share recipient||$1,000/day
|Maximum balance at any given time||$10,000|
Optional Services - Fees we charge for less common services or transactions
|Withdrawing cash if you go to a bank teller ("cash advance")||$4.95|
|Expedited delivery of your card (3 business days)||$40.00|
|Stop an online bill payment from being sent while in process||$20.00|
|Ordering a new or replacement card||$10.00|
|When you give the Routing number and Account number to make an unauthorized payment||$5.00|
|Research and documentation fee (only applies when you request an authorization hold be removed, card account verification, card account balancing, make a false claim, etc.)||up to $50|
|Requesting a check to bring your balance to zero when you close your account||$15.95|
|Receiving a paper statement in the mail (if requested)||$2.95|
|Using an International ATM to withdraw money||$4.95|
|Currency conversion when making purchase in a foreign country||2.95%|
Other Prepaid Cards
Prepaid Cards Page
The following prepaid debit cards and prepaid credit cards can help you control your spending. A reloadable debit card allows you to only spend up to the amount you have pre-deposited into the account. If you tend to overspend or would like to control your spending then a pre-paid debit card or prepaid credit card could be a good card for you.