AccountNow Prepaid Card Fees (ATM Fees and More)
This post is about the AccountNow Prepaid Card Fees and limits. If you have an AccountNow Prepaid Card and are trying to figure out the fees that come with the card, or if you are considering purchasing one and want to learn about fees, you’ve come to the right place.
In this post, we will review everything you need to know about AccountNow Fees, including limits on how much you can add to the card or withdraw from the card at any given time.
In addition, we will provide a list of what services are free and what you have to pay for.
Finally, we will answer the most frequently asked questions about AccountNow Fees and limits.
This Post about AccountNow Prepaid Card Fees will cover:
- What is AccountNow Prepaid Card?
- Prepaid Card Fees You Should Look For
- AccountNow Prepaid Card Fees
- Verdict on AccountNow Prepaid Card Fees
- AccountNow Card FAQs
What is AccountNow Prepaid Card?
AccountNow Prepaid Card is designed for consumers who want the convenience of paying with plastic but don’t want (or don’t qualify) for a regular credit card.
Account now issues three different prepaid debit cards:
- Prepaid Visa Card
- Gold Visa Prepaid Card
- Prepaid MasterCard
One of the best features of the AccountNow Prepaid Card is that you can only spend the money you add to your account. This helps you avoid bounced checks or overdraft fees.
Prepaid Card Fees You Should Look For
Almost all prepaid debit cards come with some fees.
However, not all fees are made equal. If you are using your prepaid debit card on a monthly basis, especially as an alternative to a traditional bank account, there are certain fees you should pay attention to.
Knowing what fees to look for and making sure you are avoiding excessive fees on your prepaid card helps you keep most of your hard-earned money.
Here are the top 5 fees you should look out for:
Monthly Fee – This is the fee you pay every month, regardless of whether you use your prepaid debit card or not.
Reload Fee – This is the fee you pay to reload funds onto your card.
Purchases Fee – This is the fee you pay when you swipe your card to make purchases, whether online, offline or by phone.
ATM Withdrawal Fee – This is the fee you pay when you take money out of the ATM. Usually, prepaid cards have an in-network fee and out of network fee. Some charge no fee for in-network withdrawal. These fees are in addition to the fee the ATM owner will charge you.
Call with Live Customer Service Agent Fee – Some prepaid debit cards charge you a fee to talk to a live agent. This is important to know if the prepaid card is going to be your primary debit card for purchases, bill pay, and online purchases.
Now that you know what fees to look out for, here are the fees associated with the AccountNow Prepaid Card.
We begin with a summary of the fees, and then we provide a detailed listing of all the fees below, including reload and withdrawal limits.
AccountNow Prepaid Card Fees
Card Purchase Fee: $4.95
Monthly Fee: $9.95. The monthly fee CANNOT be waived with direct deposit or with cash reloads.
Reload Fee: Up to $5.95.
Purchases: No fees.
ATM withdrawals: There is a $2.50 fee for each ATM withdrawal, plus any fee charged by the ATM operator, even if you do not complete a transaction.
There is also a 3% fee for withdrawing cash at a bank teller.
For a full list of all the AccountNow fees you should know about, including daily cash and transaction limits, see our list of fees below.
Here are the AccountNow Prepaid Card fees you should know about:
|Transaction Type||Fee Amount|
|Card Purchase Fee|
|Online Purchase Fee|
|Retail Locations Purchase Fee||$4.95|
|Monthly Fee (w/ direct deposit)||9.95|
|Monthly Fee (w/o direct deposit)||$9.95|
|Direct deposit (payroll or government benefits)||$0|
|Cash reload||Up to $5.95|
|Mobile check load – (fees apply for expedited check loads)||$0|
|Bill payment (fees apply for expedited delivery)||$0|
|Transaction Fee/Purchase Fee||$0|
|ACH Debit Payment||$2.50|
|Cash back with purchase||$0|
|ATM Withdrawal Fee–In Network||$2.50|
|ATM Withdrawal Fee-Out of Network||$2.50|
|Teller cash withdrawal||3%|
|ATM withdrawal decline||$1.00|
|Getting Card Information|
|Customer service (automated)||$0|
|Customer service (live agent)||$0|
|ATM balance inquiry||$1.50|
|Using your Card outside the U.S.|
|Foreign transaction fee||3%|
|Replacement card if lost, stolen, or damaged||$10|
|Expedited shipping of replacement Card (additional)||$25|
|Bill Pay stop payment||$20|
|Balance and Load Limitations||Limits|
|Maximum Card balance at any time||$10,000.00|
|Cash Loads*||$1,500.00 per day|
|Maximum amount of ATM cash withdrawals*||$500.00 per day|
|Maximum amount of over-the-counter cash withdrawals*||$1,000.00 per day|
|Maximum amount of Card-to-Card transfers||$300.00 per day|
|Maximum amount in point-of-sale signature or point-of-sale PIN transactions (including cash-back transactions)*||$2,000.00 per day|
|*Third parties, such as ATM owners or operators, third-party bank tellers, and merchants, may impose additional limitations.|
Our Verdict on the AccountNow Prepaid Card Fees
Our verdict on the fees associated with the AccountNow Prepaid Card can be summed up in what’s free and what’s not, as shown below.
- Direct deposit of payroll or government benefits
- Mobile check deposit
- Signature Transactions
- Pin Transactions
- Inactivity Fee
- Live Customer Service Support
- Automated Customer Support
- Cashback with purchase
- Bill Payment
What’s Not Free:
- Online bank transfer (ACH)
- ATM Withdrawal
- Monthly Fee
- ATM balance inquiry
- ATM Withdrawal Decline
- Card Purchase Fee
- Teller Cash Withdrawals
AccountNow Prepaid Card Fees FAQs
Here are the most frequently asked questions about fees associated with the AccountNow card.
How much are AccountNow cards?
There is a $4.95 one-time activation fee when you sign up for the AccountNow Prepaid debit card.
How Much are AccountNow ATM fees?
ATM fees for withdrawing money from your AccountNow card is $2.50, for both in-network and out-of-network withdrawal, in addition to any fees the ATM operator may charge.
However, if you get cash from a bank teller using your AccountNow card, you will be charged a 3% fee.
What is the monthly fee for AccountNow Card?
There is a $9.95 monthly fee for the AccountNow Card. The is a monthly fee that cannot be waived with direct deposit or with cash reloads.
How much does it cost to add money to my AccountNow prepaid card?
There is no additional charge for adding money to your card by Direct Deposit.
However, when you add cash to your AccountNow card, the store location normally charges a fee of $3.95 to $5.95.
This fee varies by store, therefore be sure to check with the store location about cash reload fees before using their services.
How much money can I add to my AccountNow prepaid account at one time?
There is a daily maximum amount you can add to your account.
That maximum daily limit is $10,000 for Direct Deposit and $1,500 for cash loads.
However, when you reload cash at third party locations, that specific retailer or store may have their own daily, weekly or monthly limits on the frequency or amount of cash you can value load to your Card Account.
Be sure to ask the cashier for card reload limits if you are not sure.
Can other people add money to my AccountNow prepaid account?
Yes, you can have anyone add cash to your AccountNow prepaid account by using one of the following money-transfer services:
- Western Union
- Visa ReadyLink (Visa only)
- Reload @ the Register
The person will need your name and card number to complete the transaction.
AccountNow Prepaid Card Fees Summary
We hope this post on AccountNow Prepaid Card Fees was helpful.
If you have further questions about the AccountNow Card, please let us know in the comments section below.