The PASS card from American Express is a prepaid card that is ideal for parents who want a card geared towards teens. The PASS Card is a reloadable prepaid card that works with parents and teens to teach financial responsibility. You have to be at least 18 years or older to purchase the PASS card and anyone 13 years of age or older can use the card. The purchaser of the card is the one who loads funds onto the card and once those funds are gone the card can be reloaded again and again.

PASS Card Summary
The PASS card can be used anywhere that accepts American Express® Cards. You can use the card for mail-order, online purchases and in-store purchases. The card can be used to make cash withdraws from the ATM. There are some card restrictions such as, the Card cannot be used at cruise lines, casinos or for car rental charges. The card is geared towards teens so the Card is not intended for use for alcohol, gambling, adult entertainment or illegal activities.

Parents and Teens Manage the Account
This card is intended to build financial responsibility and what better way to do so then get both parents and their teen involved in the account management. All you do is load the card, use the card, and then check your account information online. Here’s how it works:

• Load/Reload: Loading the card only be done by the PASS Card purchaser. The initial load must be made online. Reloads may occur either online or by calling Customer Service at 1-877-405-7277.
• Using the Card: The PASS Cardmember may use the Card at millions of locations around the world where American Express® Cards are accepted—including online and at ATMs.
• Managing the Card: Both the PASS Card purchaser and PASS Cardmember can create online accounts to view transaction history, check balances and set up account controls.

Design Your Own Card
One aspect of the PASS card that any teenager is sure to love is that you can design your own card. When you apply for the card you get to choose from four different card colors and you even have the option to add your own image or design. This is a great way to personalize your card and get your teenager excited about the process. There are guidelines about what type of images are acceptable and you can see this guidelines once you start the process of adding your own design.

Save at the Rewards Mall
If you like to shop online then you will really like the Rewards Mall. It is an online shopping mall that gives PASS Cardmembers special access to discounts and offers at hundreds of merchants. One additional benefit of shopping at the online mall is that American Express will make a charitable donation to United Way for each eligible purchase. The Rewards Mall shows the percentage of your purchase that American Express will donate to the charity. For additional details about the Rewards Mall and charitable contributions, log into your PASS account at americanexpress.com/pass in the “Teen Manage Your Account” section and click the “Rewards Mall” link under the Perks section.

PASS Card Fees
The PASS card offers low fees compared to other prepaid cards. Since the card is a prepaid card you don’t have to worry about being charge interest or overdraft fees, but there are still a few fees you should be aware of. The Monthly Membership Fee of $3.95 per month and the fee is automatically charged to the card each month. As a bonus, this fee is waived until October 1, 2010. When you make an ATM withdraw you will be charged a $1.50 per withdraw. Also banks may charge their own fees for each withdrawal. There are no fees for activating or reloading the PASS Card. Applying for the PASS card is easy and can be done online.

Benefits for both Parents and Teens

• Money can be added 24/7, online or by phone, from an American Express® Card or bank account.
• Teens can use the card at millions of locations around the world: in stores, online, at ATMs American Express charges a fee of $1.50 to the PASS Card for each ATM withdrawal.
• Both you and your child can Log in to your online account to check the Card balance, view transactions and set up alerts.
• Teens can learn how to better manage their money by tracking purchases online. Plus, they can visit the JA Student Center to learn more about budgeting and planning.
• Teens can also become “Financially Certified” through an online assessment.
• PASS also includes Roadside Assistance
• Teens can also view balances online, or track their funds via text messages2Carrier charges may apply for receiving text messages and mobile web browsing.
• Make it yours, pick a color. You can even add an image for free when your parents order PASS.

RushCard is a prepaid Visa debit card that allows you to only spend what you deposit onto the card. This means there are no costly overdraft or interest fees. It is a safe and convenient alternative to credit cards and traditional banking without the worry of going into debt or over drafting the account. RushCard offer four different prepaid cards: Purple Diamond Visa Card, Black Diamond Visa Card, BabyPhat Visa Card and Original Rush Visa Card.

Each card offers a variety of benefits like: free direct deposit, free customer service, free text alerts, free credit building, and free online money management services. Once you are approved for the card of your choice all you do is add money to the card and you can start using it. You can make purchases anywhere Visa debit is accepted, you can pay bills and even shop online. If your considering a RushCard then your going to need how to load money to the card. It’s easy and this article will provide you with the details.

There are a couple different ways you can load money to your card.
You can either use direct deposit or you can take cash or check into one of the loading locations. Each has hits own benefits and both are easy to use.

• Direct Deposit
• Retail Location
• Check or Money Order
• Pay Pal
• Bank Transfers

Direct Deposit
Direct deposit is the process of electronically transferring funds into your prepaid card account. It is a safe and efficient way of having your paycheck automatically deposited into your account each payday. With direct deposit you authorize your employer or benefits provider to electronically send your payment directly to your prepaid account. Such payments could include, but are not limited to, pay checks, social security checks, child support payments, and tax refunds. To get this process started you first need to check with your employer or benefits provider to make sure they offer direct deposit. If so, then just download the form provided by RushCard, fill it out and turn it into your employer or benefits provider.

You also have the option of adding to your card by going to any participating retail location like Western Union, MoneyGram and Green Dot Money Pak.

Retail Locations

• MoneyGram
  You can use MoneyGram® ExpressPayment® service to add funds your RushCard. There are approximately 40,000 MoneyGram agentlocations nationwide, including most Walmart and CVS/pharmacy. MoneyGram charges a fee of $3.95 for this service. If you choose to use MoneyGram you will need the following information provided below:

  Receive Code: 2495
  Account Number: Your 16-digit card number
  Company Name: RushCard
  City/State: New York, NY
  Find a MoneyGram Location

• Western Union
  Using Western Union for loading your card is easy. Just go to a Nearby Agent Location. You will need to complete the gray Prepaid Services Form which asked for your 16 digit card number, cash load amount and card name. Your card must be present at the time of the transaction. Give the clerk the gray form and the amount you want to load on your card. Western Union charges a fee of $3.95 to load your card.
  Find a Western Union Location
• Green Dot Money Pak
  The Green Dot MoneyPak is a fast and convenient way to add cash to your Prepaid Visa® RushCard and it is available at tens of thousands of retailers nationwide, including Walmart, CVS/Pharmacy, Kmart, Kroger, Rite Aid, 7-Eleven, Walgreens and more. All you do is visit a Green Dot MoneyPak retailer near you and pick up a MoneyPak from the Prepaid Product Section or Green Dot Display. Purchase the MoneyPak at the register with cash for the amount you wish to load. A service fee of $4.95 will be added to your purchase. Visit MoneyPak or call (800) GREENDOT to apply the funds* to your card using the MoneyPak number found on the back of the package or on your receipt. You will also need your RushCard Number.
  Find a Green Dot Location

Check or Money Order
At anytime you can add money to your RushCard for FREE by mailing a check or money order to the payment address below. All checks undergo a verification hold of up to 10 days from the time we receive your check before the funds will be posted to your account. They will only accept funds issued in U.S. Dollars (no international money orders or checks) and checks or money orders must be equal to or less than $1,000. Make the check or money order payable to RushCard or to yourself, and remember to include your 16-digit account number on the front of the check.

UniRush Financial Services
23074 Network Place
Chicago, Illinois 60673-1230

If you are sending your deposit using an expedited service such as UPS, FedEx or DHL, please use the address below:

JPMorgan
Attn: UniRush 23074
131 S Dearborn – 6th Floor
Chicago, Illinois 60603

Pay Pal
Transferring funds from your PayPal account to your RushCard is easy and FREE. You must set up and confirm your RushCard in order to transfer funds. To set up your RushCard, login to your PayPal account and select “Withdraw” from the My Account tab. Click “Withdraw funds to your bank account” and select “Add Bank Account.”

Enter the following information:
Account Type:Checking
Routing Number:021409169
Account Number:Your 16-digit card number

PayPal will make 2 small deposits (less than $1.00 USD) to your RushCard within 2-3 business days. Once these deposits have been made, login to your PayPal account and click Confirm Bank Account from your Account Overview and enter the 2 amounts.

To transfer funds, login to your PayPal account and select “Withdraw” from the My Account tab. Click “Withdraw funds to your bank account.”
Enter the amount you want to transfer to your RushCard, select “JP Morgan Chase Checking” from the dropdown, and click “Continue”. Click “Submit” to confirm the transfer. Transfers MUST be in the name of the cardholder and can take 3-4 business days to complete.

Bank Transfer
If your financial institution offers electronic bill pay service, you can transfer money from your bank account to your RushCard by setting up RushCard as an online payee. Your financial institution will create a paper check and mail it to us for deposit. All checks undergo a verification hold of up to 10 days from the time we receive your check before the funds will be posted to you account.

Payee Name: RushCard
Address: 23074 Network Place, Chicago, Illinois 60673-1230
Phone: 866-787-4227
Account Number: Your 16-digit account number

People have many different reasons for using prepaid cards. We already know the many benefits the cards offer and what a great alternative they can be to traditional banking methods. One more item to add to the list of benefits is that some prepaid card accounts allow for secondary cards to be issued. This would be ideal for any couple that shares an account or even parents who share the account with their child. After all, prepaid cards are a great tool for teaching kids about money management. This article will provides some details about secondary cards and provide a list of prepaid cards that will issue secondary cards.

Secondary or additional cards are sometimes called authorized users. This just means the account holder has authorized someone else to use the account. If a parent has given permission to their child to use their prepaid card and wants to issue them a card, then the child would be an authorized user. To find out if your prepaid debit card program allows you to get a secondary card, you should check out the terms and conditions of the card program.

Some card programs allow for additional cards, but they will charge a fee for them. There can also be a charge for mailing the card to you. It is usually the case that by accepting an additional card you are also accepting responsibility for the charges or purchases made by the additional user. Beware, that if your teen spends all your money you loaded onto the prepaid card, then you are liable for it. Authorized user, or secondary cards can be a great way to go, allowing you to share access to a single account. They are particularly useful for families who need shared access to funds. If you know that you will need a secondary card, make sure to read the card details before picking a card plan.

6 Prepaid Cards that allow for Additional Cards

The Mango(TM) MasterCard Prepaid Card
	FREE Prepaid MasterCard $0 Activation Fee FREE Direct Deposit FREE unlimited purchase / signature transactions FREE account management online or with your mobile phone FREE to check your balance with your mobile phone No monthly fee when you load $500/month Send money with your mobile phone Load cash at tens of thousands of retailers nationwide No credit check, no bank account needed, no overdraft fees
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed * * * See Terms* Yes N/A

AccountNow Prepaid Visa
	iAdvance Line of Credit, No Credit Check Needed $0 ACTIVATION FEE – When You Load Your Card By Direct Deposit 100% Guaranteed Approval* FREE Credit Builder FREE Online Bill Pay NO Overdraft Fees or Minimum Balance Required Re-loadable With a $10,000 Balance
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A N/A $0 No N/A

READYdebit Card
	100% Approval Guaranteed!* – No Chexsystems or credit checks, bankruptcy okay! Now with FREE Credit Builder! Better than a checking account – Great online bill pay service with no overdraft, bounced check fees – EVER! Pay Nothing Now! – No deposits or prepayments required to get your card. FREE Direct Deposit! – stop paying to cash your paycheck. FREE phone and online access to your card account! No declined transaction fees! Great Loading Options – FREE direct deposit and bank account transfers, 60,000+ Green Dot and ReadyLink cash load locations. Safer than cash – All deposits FDIC insured; purchases covered by Visa Zero Fraud Liability protection. Cheaper than credit – no late fees, no over limit fees, no interest charges – EVER!
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed * * * N/A* Yes Poor

Vision Premier(SM) Prepaid Visa Card
	$0 WEEKLY FEE - with Direct Deposit! $0 ACTIVATION FEE - with Direct Deposit* Guaranteed approval† with no credit check FREE unlimited purchase transactions FREE Direct Deposit - no more check cashing fees FREE Account Alerts - email and/or SMS text messages Pay any bill: rent, cellular phone, insurance, utilities, etc. Load cash at over 100,000 participating retail locations Take Control – no late fees, no interest, no NSF fees
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed * * * See Terms* Yes Bad

AccountNow Prepaid MasterCard
	iAdvance Line of Credit, No Credit Check Needed $0 ACTIVATION FEE – When You Load Your Card By Direct Deposit 100% Guaranteed Approval* FREE Credit Builder FREE Online Bill Pay NO Overdraft Fees or Minimum Balance Required Re-loadable With a $10,000 Balance
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A N/A N/A No N/A

SilverCard Prepaid MasterCard®
	Perfect card for Government/Benefits Checks recipients $0 activation with rebate* 100% guaranteed approval*/no credit check Free direct deposit of your pay or government check Free unlimited purchase transactions anywhere where MasterCard Debit card is accepted No overdraft fees or minimum balances Online Checking – Electronic or paper checks
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed * * * N/A Yes Poor

During the 2010 income tax season, many taxpayers received their refund via a prepaid card. Companies like H&R Block and Green Dot saw a big increases in the amount of prepaid cards they issued as a result. Recently, the U.S. Treasury announced a pilot program they are launching for 2011 in which they will encourage the use of prepaid cards for receiving refunds. Prepaid cards offers numerous benefits and it looks like the Department of the U.S. Treasury is catching on.

The pilot program has been created to support unbanked and underbanked Americans with a safe, low cost financial accounts. This pilot program will target certain groups of people and encourage them to use prepaid cards to get their tax refund. The groups targeted will be certain low and moderate income individuals. Based on recent studies it is these groups that often do not have a traditional bank account and could certainly benefit from having access to some of the features prepaid cards offer.

Eligible taxpayers will be contacted directly by mail as well as a “payroll outreach” program. The U.S. Treasury will partner with companies that will help promote the prepaid program by inserting informational flyers in with paychecks and paystubs of people who do not use direct deposit. The pilot program will also being offering cards that can be used year-round with the hopes that individuals will start using the cards as a way to deposit their paychecks, make purchases, pay bills and build a savings.

“Far too often, unbanked and underbanked Americans are forced to turn to high-cost alternative financial products – such as check-cashing and other services – that take a big bite out of the savings of those who can least afford it,” said Michael S. Barr, Assistant Treasury Secretary for Financial Institutions. “For many individuals, a tax refund is the single largest payment that they will receive each year. That’s why tax season is a great opportunity to deliver safe, low-cost financial products to the unbanked and underbanked that will help those Americans build stronger foundations for their financial futures.”

According to the Federal Deposit Insurance Corporation’s (FDIC) 2009 National Survey of Unbanked and Underbanked Households, it is estimated that 9 million households are without bank accounts and another 21 million households are underbanked. Being underbanked means that they have a bank account, but these accounts do not completely meet their needs and as a result have to rely on high-cost check cashing services or other expensive financial service providers.

This pilot program was initiated by the Obama administration’s efforts to address the underbanked and unbanked Americians. Already in place are direct deposit programs for governmental benefits like Social Security and Child Support. Recipients can opt to receive their payments via a Direct Express® Debit MasterCard®. By 2011, Direct Express is expected be available to all individuals who are enrolled in a federal benefit programs. President Obama has requested $50 million in his FY 2011 Budget for a new “Bank On USA” initiative that helps state and local governments help low and moderate income Americans to obtain access to safe and low cost financial services and products.

A prepaid credit card is a reloadable card that can be used to make purchases. These purchases can include online purchases, paying bills and making ATM withdraws. The card has either a Visa or MasterCard logo on it which means it can be used anywhere Visa or MasterCard debit is accepted. This is just about anywhere! Using a prepaid card can be an alternative to using a traditional checking account, credit card or carrying cash. Prepaid cards offer a variety of benefits to users, like there’s absolutely no risk of going into debt. Funds have to be loaded to the card in order for the card to be used. Each card has restrictions on how much or how little can be added to the card. Once the money on the card is spent, you just add more money to the card.

Is This A Credit Card
No. A prepaid credit card is not a credit card. The reason is because it is not a line of credit. When you apply for a credit card you are essentially applying for a loan. The credit card company has strict requirements on who they will approve for a card and your approval is based on your credit history. This is not the case with a prepaid card. Anyone is eligible for a card because you have to put your own money on the card in order to use it, you are not borrowing money from a bank.

Common Prepaid Card Fees
The fees a prepaid card charges vary from card to card. It is important to determine which fees are charged before you apply for the card. That way there are not any surprises and you know exactly what the cost of the card is. You can always check the card terms and conditions for a list of the fees. Below are some of the common fees that prepaid cards charge, but this is not every fee.

• Activation Fee: An Activation Fee is the fee that is charged when you first activate the card. Some cards call this fee a start up fee. Its basically just the amount you have to pay to get the account started.
• Monthly Fee: The Monthly Fee is the reoccurring fee you pay once a month for the card maintenance. It’s really just the charge you pay to be a card member. The fee is usually between $5 and $15 and the charge is automatically deducted from your account balance.
• Transaction Fee: A Transaction Fee is the charge you incur when you make a purchase with your card. Some cards only charge a fee when you make a purchase without your PIN.
• Load Fees: A Load Fee is the charge you incur when you add money to the card. Often there are ways to avoid this charge.
• ATM Fees: The ATM Fee is the fee you are charged when you withdraw money from an ATM. Some cards charge an ATM fee when you get your account balance from an ATM too.

Loading Money to the Card
Each card works differently, but basically you have options when it comes to putting money on the card. Most cards offer direct deposit. This is when your paycheck or government check is electronically deposited to the account. There are many great benefits to using direct deposit such as, you don’t have to pay to get your check cashed anymore. You also have the option to load the card with cash, credit card, or bank transfers. This is done by going to one of the loading locations specified by the card. An example would be Western Union, Green Dot, or even Wal-Mart.

Popular Features of Prepaid Cards
All cards have special features they offer in order to make their card attractive. Here is a list of some of the popular features you will find.

• Online Bill Pay: Online bill pay gives you the option to pay your bills using the prepaid cards bill pay service. The card might charge a fee for this. You can pay your utilities, rent, or whatever. The service will send your payment electronically or send a paper check on your behalf.
• Credit Builder: Not all, but some cards help build positive credit. When you pay bills with the prepaid card this information is reported to a credit agency. If you want to build positive credit make sure you look for a card that offers a credit building service.
• Direct Deposit: Most cards offer direct deposit as a way to load the card. This is when your employer electronically deposits your paycheck to your card.
• Online Account Access: Most cards also offer online account access. You can get your balance, view your statement, and see account history.

Requirements for Applying
When it comes to your credit history you don’t have to worry. It does not matter if you have good or bad credit you will be eligible for this card. Remember this is because this is not a credit card. However, there are some requirements set up by federal law. For a reloadable prepaid Visa or MasterCard, your name, address, date of birth and social security number are required. You have to provide this information or you can’t get the card.

Prepaid Credit Cards

The Mango(TM) MasterCard Prepaid Card
	FREE Prepaid MasterCard $0 Activation Fee FREE Direct Deposit FREE unlimited purchase / signature transactions FREE account management online or with your mobile phone FREE to check your balance with your mobile phone No monthly fee when you load $500/month Send money with your mobile phone Load cash at tens of thousands of retailers nationwide No credit check, no bank account needed, no overdraft fees
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed * * * See Terms* Yes N/A

AccountNow Prepaid Visa
	iAdvance Line of Credit, No Credit Check Needed $0 ACTIVATION FEE – When You Load Your Card By Direct Deposit 100% Guaranteed Approval* FREE Credit Builder FREE Online Bill Pay NO Overdraft Fees or Minimum Balance Required Re-loadable With a $10,000 Balance
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A N/A $0 No N/A

READYdebit Card
	100% Approval Guaranteed!* – No Chexsystems or credit checks, bankruptcy okay! Now with FREE Credit Builder! Better than a checking account – Great online bill pay service with no overdraft, bounced check fees – EVER! Pay Nothing Now! – No deposits or prepayments required to get your card. FREE Direct Deposit! – stop paying to cash your paycheck. FREE phone and online access to your card account! No declined transaction fees! Great Loading Options – FREE direct deposit and bank account transfers, 60,000+ Green Dot and ReadyLink cash load locations. Safer than cash – All deposits FDIC insured; purchases covered by Visa Zero Fraud Liability protection. Cheaper than credit – no late fees, no over limit fees, no interest charges – EVER!
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed * * * N/A* Yes Poor

Vision Premier(SM) Prepaid Visa Card
	$0 WEEKLY FEE - with Direct Deposit! $0 ACTIVATION FEE - with Direct Deposit* Guaranteed approval† with no credit check FREE unlimited purchase transactions FREE Direct Deposit - no more check cashing fees FREE Account Alerts - email and/or SMS text messages Pay any bill: rent, cellular phone, insurance, utilities, etc. Load cash at over 100,000 participating retail locations Take Control – no late fees, no interest, no NSF fees
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed * * * See Terms* Yes Bad

AccountNow Prepaid MasterCard
	iAdvance Line of Credit, No Credit Check Needed $0 ACTIVATION FEE – When You Load Your Card By Direct Deposit 100% Guaranteed Approval* FREE Credit Builder FREE Online Bill Pay NO Overdraft Fees or Minimum Balance Required Re-loadable With a $10,000 Balance
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A N/A N/A No N/A

SilverCard Prepaid MasterCard®
	Perfect card for Government/Benefits Checks recipients $0 activation with rebate* 100% guaranteed approval*/no credit check Free direct deposit of your pay or government check Free unlimited purchase transactions anywhere where MasterCard Debit card is accepted No overdraft fees or minimum balances Online Checking – Electronic or paper checks
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed * * * N/A Yes Poor

The Western Union® Prepaid Visa® Card is issued by MetaBank. It works just like any prepaid credit card in that you add funds to the account and from there you can begin making purchases. Once the funds are gone, you can simple add more money to the account. You can sign up for the card right online and once approved you will receive you card in the mail. Getting approved is easy because it doesn’t matter what type of credit history you have. You can apply even if you have bad credit. You can also apply for a card at any Western Union location.

• No bank account or credit check required
• Carry money safely and conveniently
• Use to pay for Western Union Money Transfer® transactions or bills online or by phone
• No monthly maintenance fees, other fees apply. Great for occasional use
• Use anywhere Visa debit cards are accepted; even online!

Loading the Card
You load the card by going to any Western Union location or you can sign up for direct deposit. At the Agent location, complete the grey Prepaid Services form, then hand your Western Union Prepaid Visa and your cash payment plus the applicable Load Fee (up to $4.95). Your loaded funds are typically available within minutes. You should first check with your employer to find out if they offer direct direct deposit. If so you can sign up and once it is in place your funds will be available right away. There is a minimum load of $30 and a maximum load of $950. The total balance on the Western Union Prepaid Visa Card cannot exceed $5,000 at any time. Only the cardholder or their employer, through Direct Deposit, can load funds to a Card. Your Card must be present when you load funds at an Agent location.

Setting Up Direct Deposit
At anytime you can set up Direct Deposit by printing out the Direct Deposit form from your online account. Just fill it out and give it to your employer. Your Direct Deposit funds are available to spend at 11:30 a.m. Central Standard Time on the day that your deposit is made to the Card. You may have unlimited Direct Deposits to your account per month, but your Card balance cannot be more than the maximum card balance at any time. Also, you can only load a Direct Deposit from one employer.

Using the Card
The card can be used to make cash withdraws from any ATM that has the Visa®, or STAR® brand. A fee of $2.00 applies to each ATM transaction, in addition to any fees the ATM owner fees. You can take make ATM withdraws as many times a day as you would like, however, you can’t withdraw more than $500 per day. Remember, there is a $2.00 fee for each ATM withdrawal, plus any fees that the ATM operator may charge.

Western Union® Prepaid Visa® Card Fees
Since this card is a prepaid card you will not be charged interest. You can’t overdraft the account or go over the card limited so those types of fees are not charged either. There are other fees you should be aware of and some of those fees are highlighted in the table below. You should review the terms and conditions of the card for a complete list of applicable fees.

Description	Fee
Activation Fee	FREE
Monthly Maintenance Fee	FREE
Signature Purchase Transactions	FREE
PIN Transactions	FREE
Direct Deposit	FREE
Customer Service	FREE
Online Bill Payment	$0.99
Bank to Card Transfer Fee	$1.00
ATM Withdraw Fee	$1.95

The ACE Visa Prepaid Debit Card is a prepaid card that allows you to deposit funds onto the card and the use the card anywhere Visa debit is accepted. The account balance is based on the amount of money you deposit to the account. Once you spend the money then you can’t use the card until you add more money to the account. This keeps you from over drafting the account and allows you to avoid costly overdraft fees. Since this card is not a line of credit you will not be charged interest.

• No application fee and no obligation
• No charge for cash withdrawals at 1,600 + ACE Cash Express locations with direct deposit (daily limit applies)*
• Free unlimited purchase transactions with paid enrollment in FeeAdvantage Plan
• Get paid up to 3 days earlier than with a paper check with free direct deposit of your paycheck or government check
• No overdraft fees or minimum balances
• Free direct deposit of your paycheck or government check
• Protection from unauthorized transactions if card is reported lost or stolen. FDIC Insured
• Earning your trust since 1968

  Apply Now!

Card Summary
The Ace Prepaid Visa card offers users a variety of benefits. Adding money to the card is easy and there are several ways to do so. You can use the card to make purchases just about everywhere, even online. You can pay bills with the card or you can make ATM withdraws. When you apply for the card you get to choose one of four card designs. Using a this prepaid card is safe and all your funds are protected because they are FDIC insured.

Adding Funds to the Card
Loading funds to the card is easy and you have several options. Direct deposit is free, convenient and offers many benefits. You can have your paycheck electronically deposited to the account instead of having to receive a paper check. You can also have most government checks directly deposited to the account as well. You always have the option of adding cash to the card by going to anyone of the authorized locations. At anytime you can transfer funds to the card by going to the online account and clicking the transfer funds option.

Ace Card Fees
This card is a prepaid card which means you will not be charged interest and you can’t over draft the account, but there are still fees you should be aware of. To see a complete list of fees you should review the terms and conditions of the card. Below are a list of some of the fees you should consider.

Discription	Fee
Monthly Service Fee	$9.95, billed on cardholder's cycle date
Signature Purchase Fee	$1.00
PIN Purchase Fee	$2.00
Adding Funds	Based on the location
Domestic ATM Cash Withdrawals	Up to $2.50 per withdrawal, plus ATM owner fees, if any
Direct Deposit	Free
Card Fulfillment Fee	$9.95

How To Apply
Applying for the Ace Prepaid Visa card is easy and it can be done right online. You have to provide your name, address, phone number, and social security number. Due to newly adopted government regulations, all customers are also required to provide their date of birth and one form of government ID to activate a card. All U.S. citizens must provide their Social Security Number as the form of government ID. Non-U.S. citizens can provide an alternative form of ID, such as a Driver’s License, Passport, Alien Registration.

The Buy Right Prepaid MasterCard is a prepaid card that is available to anyone regardless of their credit history. It doesn’t matter if you have good or bad credit history you can still be approved for this card. This card is not a line of credit. Instead, you make deposits to the account and the amount you deposit is your available balance. Once you spend the money you can make another deposit. You can even have your paycheck or government check automatically deposited to the account.

The BuyRIGHT Prepaid MasterCard®
	Get cash at over 900,000 ATMs worldwide Pay your bills online or over the phone Eliminate payday hassles with free direct deposit Accepted at millions of MasterCard locations worldwide NO credit checks NO employment verification NO monthly or annual fees
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed * * * * Yes Poor

Card Summary
The Buy Right Prepaid MasterCard can be used anywhere MasterCard debit is accepted. You can make purchases with the card, shop online, or pay bills. It is easy to add funds to the card even offers a special bonus to those that refer their friend or family members. The card also provides the BuyRight Resource Center which provides card members daily credit advice and free information to help you improve your credit. The BuyRight card even offers a unique rewards program for its card members.

Loading the Card
When it comes to adding funds to your account you have several options. You can sign up for direct deposit and have your paycheck or government check deposited to your account automatically every payday. There are great advantages to direct deposit like you don’t have to spend time or money cashing your check. You can also use Western Union or MoneyGram to load funds to your card. If you want to load cash to the card you can go to any of the 3,000 retailer locations or you can make a bank wire transfer.

BuyRight Points
The card offers a rewards program and you can earn BuyRIGHT Points. You get these points when you use your BuyRIGHT Prepaid MasterCard for everyday spending. You can use your BuyRIGHT Points towards the purchase of wireless airtime, internet, long distance, ring tones and music downloads. Every time you use your BuyRIGHT Prepaid MasterCard to make a purchase, you earn 1 BuyRIGHT Point for every $1 spent. At anytime you can check to see how many points you have by going to www.MyBuyRIGHT.com and logging in to your account. You can use your points towards things like the purchase of prepaid wireless airtime with Verizon, TracFone, Cingular and AT&T. You choose how you want to use your points by logging in to your online account.

BuyRight Bonus Offer
One unique feature the BuyRight card offers its members the the friends and family referral program. If you refer a friend or family member, they apply for the card and get approved, then you get a $25 bonus added to your account. You can actually refer up to 50 people which means you could get a bonus of $1,250. In order to be eligible you have to meet this criteria.

1. Sign up and accept a BuyRIGHT Prepaid MasterCard®.
2. Make an initial load on their BuyRIGHT prepaid card of $49.95 to cover the $29.95 activation fee and the minimum load of $20.00.
3. Activate their BuyRIGHT Prepaid Card.

The $25.00 referral bonus will be directly deposited onto your BuyRIGHT Prepaid Card on the 15th of the month following the month in which your friend completes the three items above. There is a limit of $1250 per BuyRIGHT Prepaid Card Cardholder in referral bonus payments.

Click-n-Pay The card offers an online bill pay service called Click-n-Pay. You can make one time payments or reoccurring payments to any company or person. Payments are made electronically or BuyRight issues a paper check on your behalf. Once you make a payment the balance is deducted from your account automatically so you always know where you are with your account balance. The cost for the service is $1 per payment.