The MiCash Prepaid MasterCard® is card that offers easy access to your money when you don’t have a bank account or a credit card. Since there are no credit checks and guaranteed approval, everyone will be accepted for a card no matter what your credit history or financial standing. As a prepaid MasterCard, the MiCash card is accepted everywhere that accepts debit MasterCard.
MiCash Prepaid MasterCard® Summary
- Guaranteed approval – everyone is accepted!
- No credit checks
- No minimum deposit
- Track purchases online, by phone, or texting
- $20 rebate when you sign up for direct deposit
Getting Started with the MiCash Prepaid MasterCard®
Once you apply and receive your card in the mail, you can simply add funds to your card via direct deposit from your pay, a tax refund, or even benefits payments. The MiCash even offers an added incentive of a $20 rebate when you sign up for direct deposit. You can also load money on your MiCash card at more than 98,000 locations nationwide, including Western Union, WalMart, Kmart, CVS, Rite-Aid, Kroger, 7-11, and many more.
Using the MiCash Prepaid MasterCard®
The MiCash Prepaid MasterCard® can be used anywhere that accepts debit MasterCard. Keeping up with the balance on the card is also easy with online access, calling or texting. Something that’s often quite nice about prepaid cards is that they are much safer to carry around than cash. This is especially true with the MiCash card given that the money you load onto the card is FDIC insured and protected by the MasterCard Zero Liability Protection plan.
Special Perks of the MiCash Card
One perk is a card-to-card funds sharing plan available with the MiCash card, perfect for sharing your money with family members or loved ones. Simply call customer service and ask for the offer. It’s called the MiCash Maestro Companion Card and can be used at shops and ATMs where the Maestro brand is displayed.
MiCash Prepaid MasterCard® Fees
- Card Activation – $9.95 (one-time fee)
- Domestic ATM Withdrawal – $1.75 per occurrence
- International ATM Withdrawal – $3.00 per occurrence
- Store Purchases – $0.50 per occurrence
- Monthly Maitenance Fee – $4.00
- Card-to-Card Sharing – $4.00 per occurrence
| Transaction | Fee | Frequency |
| Online Card Account Management |
FREE | |
| Direct Deposit | FREE | |
| Wireless Alerts | FREE | |
| Automated CS Calls |
FREE | |
| Live Operator Customer Service Calls |
FREE | |
| Companion Card | FREE | |
| Card Activation |
$9.95 | One time fee, after first load |
| Domestic ATM Withdrawal |
$1.75 | Per Occurrence |
| International ATM Withdrawal |
$3.00 | Per Occurrence |
| ATM Balance Inquiry | $1.00 | Per Occurrence |
| ATM Withdrawal Denial |
$0.60 | Per Occurrence |
| Bank Teller Withdrawal |
$4.00 | Per Occurrence |
| Store Purchases (POS) Domestic and International |
$0.50 | Per Occurrence |
| Purchase POS Decline |
$0.60 | Per Occurrence |
| Monthly Account Maintenance |
$4.00 | Per Month |
| Card-to-Card Sharing |
$2.00 | Per Occurrence |
| Electronic Transfer to Domestic Bank Account |
$2.00 | Per Occurrence |
| Replacement Card (Lost/Stolen) |
$10.00 | Per Occurrence |
| Card Statement (Optional) |
$1.50 | Per Occurrence |
| Inactivity Fee (After 60 Days) |
$2.00 | Per Month |
How to Apply Online for MiCash
Applying for a MiCash card is easy and only takes a few minutes. Simply visit the official MiCash online application.
I need a card. I have been approved for this program but did not receive a card.
Please inform if you received this and could send a card and packet information on usage etc. Thanks, Bill
Bill, it usually takes 7 to 10 days to get your prepaid credit card in the mail. Also, the card will come directly from MiCash, not from Prepaid Cards 123.