All-Access® Prepaid Visa® Card
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- 100% Approved - No Credit Check and Bad Credit is Okay
- $10,000 Load Capacity - Reloadable at Retailers Nationwide
- No Upfront Payment - and No Minimum Balance Requirements
- FREE Savings Accounts - Higher Rate Than Most National Banks
- FREE Instant Transfers - Send Money to Other Cardholders
- FREE Account Alerts - Email or Text Messages on Account Activity
- FREE Direct Deposit - Make Payday Faster and Safer
- Online Bill Pay - Pay Bills to Anyone at Any Time, Online
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The All-Access® Prepaid Visa® Card, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining an unsecured credit card.
The All-Access Prepaid Visa Card requires the cardholder to make payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The All-Access Prepaid Visa Card can also be loaded by account-to-account transfers via the Internet, the toll free number, or a live agent. Cardholders can also load the card through in person retail transfers.
Cardholders will have the option of choosing between the pay per transaction plan and the FeeAdvantage™ plan. The pay per transaction plan has no monthly fee, but there is a fee charged every time the cardholder makes a purchase. On the other hand, the FeeAdvantage™ plan allows cardholders to make unlimited signature and PIN purchases for a monthly fee. Depending on whether the cardholder makes signature or PIN purchases more, the FeeAdvantage™ plan may be a better option for those who plan to make more than five to ten purchases per month. However, this card has no account opening fee.
The All-Access Prepaid Visa Card offers additional services and benefits including free wireless alerts for account information, no liability for unauthorized transactions, overdraft protection, and integrated bill payment. Cardholders will also be able to participate in the referral program that rewards them with $5 for each activated card that they refer.
Therefore, those who are looking for a card where they can pay in advance for purchases, would like a card with limited fees, and plan to take advantage of the various benefits and services may find the All-Access Prepaid Visa Card to be a beneficial option.
Review Date: 10/31/2007
All-Access Prepaid Visa Card
Most Attractive Feature(s): No annual fee; free direct deposit; no credit checks.
Least Attractive Feature(s): Cardholders either pay a fee per transaction or a monthly fee for unlimited transactions.
Additional Perks
Access to the referral program that rewards cardholders with $5 for each activated card that they refer.
Lost and stolen card reporting.
Receive up to 3 cards for family and friends.
Integrated bill payment.
Overdraft protection.
Free wireless alerts available to notify cardholder of transactions and card balance.
Free online money transfer service between NetSpend accounts.
No liability for unauthorized transactions.
See website for additional benefits.
Important Notations
**Although the opening of the account is free, there may be card fulfillment charges (i.e., shipping and handling) of up to $19.95.
***The participation fee is free if the cardholder chooses the pay per transaction plan, or cardholders can choose to pay a monthly fee of up to $9.95 for unlimited signature and PIN transactions.
****The total first year fees does not include the card fulfillment fee, the monthly fee for the FeeAdvantage™ plan, or any transaction fees for the pay per transaction plan.
$1 fee per signature purchase transaction with the pay per transaction plan.
$2 fee per PIN-based purchase transaction with the pay per transaction plan.
Up to $.50 per non-monetary transaction via toll free number.
Up to $.50 per non-monetary transaction via ATM.
No credit checks.
See website for complete terms and conditions of card usage and application disclosure.
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