The AccountNow Gold is a low cost Visa prepaid credit card. The Card allows you to access funds you place on the Card. You can also borrow money with the AccountNow Visa Gold through the iAdvance program. 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:
- $0 Monthly Fee*
- Higher daily and monthly limits
- Borrow money and build credit history*
- Free Credit Builder and Bill Pay
- *See program rules
Check out all of the available AccountNow prepaid Visa and MasterCard offers.
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 $25 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
There are different service fee and features for customers who are on direct deposit and those without direct deposit. A “Customer on Direct Deposit” means that you have a recurring direct deposit set up from your payroll or benefits provider. Here is a list of some of the fees associated with the AccountNow Gold Visa
| With Direct Deposit | Without Direct Deposit | |
|---|---|---|
| GOLD Privilege Fee (One-time non-refundable fee, applied at first card load event) | $9.95 | $9.95 |
| Monthly Fee | $0, if you load $3000 or more on your card in a month; $9.95 otherwise. | $0, if you load $3000 or more on your card in a month; $9.95 otherwise. |
| Adding Money by Direct Deposit | FREE | FREE |
| Adding Money by Cash | FREE (third party load partners may charge a fee) | FREE (third party load partners may charge a fee) |
| U.S. card purchases when using your signature | FREE | FREE |
| Transferring money from one card to another | FREE | FREE |
| Managing your account online, online statements | FREE | FREE |
| Paying your bills online with Bill Pay | FREE | FREE |
| U.S. card purchases when using your PIN: | FREE | FREE |
| Deposit alerts, balance, and other account information sent to your cell phone with Mobile Text Alerts | FREE | FREE |
| Calls to a Customer Service Agent | FREE | $2 per call |
| Automated phone system (IVR) for account information | FREE | $0.50 per call |
| Using ATM to obtain balance | $1.00 | $1.00 |
| Using a U.S. ATM to withdraw money | $2.50 | $2.50 |
| ATM decline fee | $0.40 | $0.40 |
Because fees do change from time to time, consult the AccountNow Visa Gold official site for a current list of fees.
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I have a question about my account now visa GOLD CARD . It says something abount a 10,000 dollar credit limit on my card . dose that mean that I have a 10,000 credit limit on my card to spend and if so is it anywhere. Explian Please! . Sincerely!! Angela Burns.
Angela, the $10,000 is how much money you can load onto the card. It’s not a credit limit.
I just upgraded my account now account to account gold does my direct deposit transfer?
Melissa, your direct deposit may very well transfer to the new card automatically, but I’d call AccountNow to confirm. The direct deposit uses a bank account number associated with your card that is different than then number on the card. So that bank account number could be the same, even if your card number changes. But again, it’s better that you confirm this with AccountNow.
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