The Account Now Gold Visa® Prepaid Card is a low cost Visa prepaid credit card. The Card allows you to access funds you place on the Card. Because the AccountNow Gold card is not tied to a bank account and is not a credit card, no credit check or chexsystems inquiry is required.
AccountNow Gold Visa Prepaid Card Summary:
- Get Paid up to 2 days faster with Free Direct Deposit † - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
- 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
- $0 Activation Fee. No Minimum Balance. No Overdraft fees.
- $15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
- Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
- Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
- BBB Accredited A+ Company. Excellent Customer Service.
Loading the AccountNow Gold Visa
You may add funds to your Card, called “value loading”, at any time. The amount of each value load must be at least $10.00. There is no limit on the number of times you may value load the AccountNow Gold Visa, but there is a limit of total number of value loads and total amount per day. There is also a maximum value load you may place on your card when aggregated with any other AccountNow cards you have authorized.
You can add money to the card through direct deposit of your paycheck or government benefits check. Setup a recurring direct deposit of at least $100 per months, and you can get a $15 bonus. Here are the details:
You must start Direct Deposit within 60 days of opening the account. You must make direct deposits for 2 consecutive months to qualify for the credit. Offer cannot be combined with any previous direct deposit offers and is available to first time direct deposit customers only. Credit will be posted to your AccountNow account after 65 days of first deposit if direct deposit is still active.
You can also add cash to the AccountNow Gold Visa at more than 135,000 locations nationwide.
Using the AccountNow Visa Gold
You may use your prepaid card to purchase or lease goods or services wherever Visa debit is honored as long as you do not exceed the value available on your card. AccountNow also allows you to use the Visa Gold card for partial payment, sometimes referred to as split transactions. For example, if you do not have enough money on your card, you can instruct the merchant to charge a part of the purchase to the card and pay the remaining amount with cash or another card.
You may also use the card to access cash at an Automated Teller Machine (ATM).
AccountNow Gold Visa Fees
It’s always important to know exactly what the fees are so you can determine if the card is a right fit for you. Here is a list of some of the fees associated with the AccountNow Gold Visa.
|Monthly Fee||$0, if you load $2,500 or more on your card in a month; $9.95 otherwise.|
|Adding Money by Direct Deposit||FREE|
|Adding Money by Cash||FREE (third party load partners may charge a fee)|
|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 cell phone with Mobile Text Alerts||FREE|
|Calls to a Customer Service Agent||FREE|
|Automated phone system (IVR) for account information||FREE|
|Using ATM to obtain balance||$1.00|
|Using a U.S. ATM to withdraw money||$2.50|
|ATM decline fee||$0.40|