AccountNow, a market innovator since 2004, is the trusted brand in delivering alternative online banking solutions. It serves the country's approximately 40 million people banks he turned down due to ChexSystems or other banking concerns.
Green Dot Bank acquired AccountNow in 2015. Its headquarters and customer service are in Pasadena, California, at PO Box 5100. The bank discontinued the original AccountNow Visa. It now only offers the AccountNow Gold edition. The AccountNow Gold Visa Prepaid Card is intended for customers who desire the convenience of using plastic but do not want a traditional credit card. You can only use prepaid cards to spend money already on your account. So you won't he to pay interest, rejected checks, or overdraft fees. AccountNow's money-sing solutions offer customers an alternative to "conventional" bank accounts and access to financial and payment systems such as Visa prepaid cards, Pay Anyone Bill Payment, and FDIC-insured deposits.
Pros and consAccountNow Gold Visa Prepaid Card does not demand a credit check, and you cannot overdraw your account, so you will not incur overdraft fees.
As a cardholder, you will receive the following unique benefits:
There are no minimum balance requirements. It's okay if you don't he the cash to load straight away. You are free to keep your balance as low as you like.
It aids authorized users. Purchase additional cards for approved users, with the option to cancel their access anytime.
You can reload your balance. You can put as much payment as you like on your card. However, keep in mind that retail reloads cost $5.95.
You can make ATM withdrawals. Cash-out at one of the many ATMs ailable. However, be aware that each withdrawal carries a $3 fee. You can oid paying the fee by selecting "debit" before entering your PIN when you seek cash back from a retailer.
Cons of AccountNow include:
Their ratings are poor. AccountNow has a low BBB rating, with clients complaining about surprise fees and missed deposits.
They he limited customer service. If you want to be able to communicate with a representative readily, you need to apply for a separate card.
They he maximum balance restrictions. You can only retain $10,000 on your Visa card at a time, and you can't load more than $1,500 in cash per day.
The monthly cost is unoidable. The card costs $9.95 per month, unlike other firms, which waive the monthly price if you meet specific direct deposit conditions.
They he usage fees. The AccountNow Gold Visa Prepaid Card charges fees for several of its services.
Terms and conditionsAccountNow, a subsidiary of the Green Dot Corporation, provides prepaid Visa cards to customers who do not he a bank account. The AccountNow Gold Visa Prepaid Card operates similarly to a large gift card in that you load funds onto the visa card and use it as needed. There is no setup fee. Note that this card has a monthly maintenance fee of up to $9.95. Every time you reload the card, they will charge you a restocking fee of up to $5.95. The daily ATM withdrawal limit for the AccountNow Gold Visa Prepaid Card is $500, with a $1,500 daily direct deposit limit.
The AccountNow Gold Visa Prepaid Card has a maximum balance of $10,000. They'll also charge you $2.50 each time funds are withdrawn using the bank's routing number and your card account number. Even if you don't complete a transaction, an out-of-network ATM may charge you $3. Overdraft fees are not authorized, unlike with a checking account. Instead, when your funds reach zero, you deposit more money into your account. You can perform this manually or through direct deposit. To know all the necessary information, you must read and understand the Cardholder Agreement.
The AccountNow Gold card, like other prepaid cards, can be used for direct deposit without incurring any fees. It also includes the following features:
Bill payYou can use the card bill pay service to pay many vendors electronically, but you can also use it to pay by check and tax refund, such as rent.
BonusesThe program offers a $20 refer-a-friend bonus. Your referred friends must use the code you receive upon enrollment and get $10. Set up a direct deposit within six months of activating the card to earn $15. No registration is necessary. You must direct the deposit of $500 or more for two consecutive months.
Direct depositDirect deposit is a service that allows you to instruct your employer or benefits provider to electronically transfer your pay to AccountNow for deposit into your prepaid account. Once you've set up Direct Deposit with your employer or benefits provider, AccountNow will process deposits as soon as they arrive鈥攚hich could be up to two days faster than receiving a check from your employer or benefits provider.
Funding a LoanThe AccountNow Gold Visa Prepaid Card is a prepaid card that enables direct deposit without needing a checking account. The AccountNow Gold card is ailable online with no credit or ChexSystems check. A simple application is all that is required for the card. All you need is your address and social security number to verify your identity. Following a simple ID verification, you'll find quick approval. AccountNow Gold Visa Prepaid Card is approved without a credit check. It will not, however, assist you in building credit, and some online merchants do not accept prepaid cards.
Direct deposit is an effective way to receive payment while oiding the hassles of dealing with paper checks. Direct deposit deposits funds directly into your card account, eliminating the need to wait for a check to clear. Once you've built up Direct Deposit with your employer or benefits provider, AccountNow will process deposits as soon as they arrive鈥攚hich could be up to two days faster than receiving a check from your employer or benefits provider. Before your official payday, many employers notify the bank of direct payroll deposits. If they accept sufficient advance notice, they will deposit your pay into your account as soon as possible. When your employer submits their direct deposit information to the bank, inquire. Your employer may not offer your pay period early every time.
You can fund your prepaid account with cash or through direct deposit. Transfers from a checking or sings account to your AccountNow card may be permitted by your bank. To load some money into your prepaid account, take your cash and card number to a store that offers one of the following money-transfer services:
Reload the Register,
MoneyGram,
Western Union,
Visa ReadyLink,
Green Dot MoneyPak.
Operational timeYou can reach AccountNow Monday through Saturday from 5 A.M. to 5 P.M. PST and Sunday from 7 A.M. to 4 P.M. PST (PST). 866-925-2036 is the phone number to dial.
