The AccountNow Gold card, like other prepaid cards, can be used for direct deposit without incurring any fees. To know all the necessary information, you must read and understand the Cardholder Agreement. You can perform this manually or through direct deposit. Instead, when your funds reach zero, you deposit more money into your account. Overdraft fees are not authorized, unlike with a checking account. Even if you don't complete a transaction, an out-of-network ATM may charge you $3. They'll also charge you $2.50 each time funds are withdrawn using the bank's routing number and your card account number. The AccountNow Gold Visa Prepaid Card has a maximum balance of $10,000. The daily ATM withdrawal limit for the AccountNow Gold Visa Prepaid Card is $500, with a $1,500 daily direct deposit limit. Every time you reload the card, they will charge you a restocking fee of up to $5.95. Note that this card has a monthly maintenance fee of up to $9.95. The AccountNow Gold Visa Prepaid Card operates similarly to a large gift card in that you load funds onto the visa card and use it as needed. The AccountNow Gold Visa Prepaid Card charges fees for several of its services.ĪccountNow, a subsidiary of the Green Dot Corporation, provides prepaid Visa cards to customers who do not have a bank account. The card costs $9.95 per month, unlike other firms, which waive the monthly price if you meet specific direct deposit conditions. You can only retain $10,000 on your Visa card at a time, and you can't load more than $1,500 in cash per day. If you want to be able to communicate with a representative readily, you need to apply for a separate card. AccountNow has a low BBB rating, with clients complaining about surprise fees and missed deposits. You can avoid paying the fee by selecting "debit" before entering your PIN when you seek cash back from a retailer. However, be aware that each withdrawal carries a $3 fee. Cash-out at one of the many ATMs available. However, keep in mind that retail reloads cost $5.95. You can put as much payment as you like on your card. Purchase additional cards for approved users, with the option to cancel their access anytime. You are free to keep your balance as low as you like. It's okay if you don't have the cash to load straight away. There are no minimum balance requirements. Pros and consĪccountNow Gold Visa Prepaid Card does not demand a credit check, and you cannot overdraw your account, so you will not incur overdraft fees.Īs a cardholder, you will receive the following unique benefits: AccountNow's money-saving solutions offer customers an alternative to "conventional" bank accounts and access to financial and payment systems such as Visa prepaid cards, Pay Anyone Bill Payment, and FDIC-insured deposits. So you won't have to pay interest, rejected checks, or overdraft fees. You can only use prepaid cards to spend money already on your account. The AccountNow Gold Visa Prepaid Card is intended for customers who desire the convenience of using plastic but do not want a traditional credit card. It now only offers the AccountNow Gold edition. The bank discontinued the original AccountNow Visa. Its headquarters and customer service are in Pasadena, California, at PO Box 5100. Green Dot Bank acquired AccountNow in 2015. It serves the country's approximately 40 million people banks have turned down due to ChexSystems or other banking concerns.
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