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Additional Details, Terms and Conditions |
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| Category | Pre-Paid |
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| Status | Standard |
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| Intro Applies To | None |
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| Minimum APR on Purchases | n/a |
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| Minimum APR on Cash Advances | n/a |
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| Annual Fee | $0 |
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| Additional Annual Fees | $10 |
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| Annual Fee Detail | Fees vary per plan and usage.* See website for details. |
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| Over Limit Fee | n/a |
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| Cash Advance Fee | $1.50 - $2.00 ATM withdrawal depending on plan; $5 International ATM withdrawals; $5 bank teller cash advances. |
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| Maximum Balance Transfer | $10,000 |
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| Minimum Deposit | $10 |
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| Maximum Deposit | $10,000 |
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| Application Fee | $9.95 |
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| Participation Fee | $4.95 - $8.95 monthly* |
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| Reload Fee | $0 |
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| Inactive Fee | A $15 fee applies to those who require a paper check to terminate the account. |
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| Deposit Interest | No |
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| Total of First Year Fees | up to $117.35** |
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| Additional Perks | See website for additional benefits. |
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| Notations | *See website for complete terms and conditions of card usage and application disclosure.
**Fees depend on plan. Fee do not include fees for ATM withdrawals, PIN transactions, balance inquiries, online bill pay, and bank teller cash advance fees. |
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| Features / Benefits: | Visa® Debit Card — Accepted Worldwide |
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| 1 | Access to a Million ATMs Around the World |
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| 2 | Online Bill-Payment and Check-Writing Service That Lets Customers Pay Anyone By Check |
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| 3 | Free Direct Deposit, Plus a Network of 50,000 Locations Where Customers Can Load Their Visa® Card With Cash |
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| 4 | 24x7 Customer Support — Online and Phone |
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| 5 | FDIC Insurance & Visa®'s Zero Liability Protection Against Fraudulent Use |
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| Rating | 4.00 |
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| Benefit Rating | 2.00 |
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| Best Feature | Direct deposit, online bill pay service |
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| Worst Feature | Fees to withdraw funds, monthly service fees. |
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| Review | The READYdebit® Card from MetaBank is the perfect way for people who don’t have a checking account to obtain and use a debit card for all of their purchases - whether plastic is required or not.
With this prepaid card, cardholders simply load the READYdebit® Card with cash and use it as they would a credit card. Paychecks can even be directly deposited into a READYdebit® account to get easy access to funds without waiting in line at the bank and to avoid paying high check cashing fees.
The READYdebit® Card offers two options, depending on the cardholder's needs. The Basic plan is $4.95 a month, while the Select plan is $8.95 a month and comes with lots of extras like free online bill pay*. Select plan cardholders are also cut a break on other fees such as ATM withdrawal fees, balance inquiry fees, and fees for PIN transactions.
The best thing about the READYdebit® Card is the freebies. Unlike other prepaid cards, cardholders are not charged card loading fees or negative balance fees - something banks would charge a pretty penny for.
The best part is that the READYdebit® Card works just like a credit card and can be used to book hotel or car reservations or to make purchases online - something that just can't be done without a credit card. Plus, your funds on the READYdebit® Card are protected by Visa®'s Zero Liability™ policy, which protects cardholders from unauthorized transactions.
Funds can be loaded onto the READYdebit® via direct deposit, or at participating retail stores including Wal-Mart, Walgreens, Rite Aid, RadioShack, and wherever the Visa® ReadLink symbol is displayed. |
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| Date of Data Update | 2009-06-12 00:00:00 |
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