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Learn more about the READY debit Card

"Prepaid" Visa cards are fairly new—you may have only recently heard about them.

Enjoy the convenience of plastic. With your READYdebit Visa Prepaid Card you can make purchases online or by phone, you can pay at the gas pump, book a flight, get money from an ATM, and so on. And you don't have to carry a load of cash when you travel—your money's protected by the Visa Zero Liability policy**.

But with a prepaid card—unlike a credit card—you control how much you spend by how much you load on the card. For many of us, that can be pretty helpful. But with a prepaid card—unlike a credit card—you control how much you spend by how much you load on the card. Your READYdebit Visa Prepaid Card will help you stick to your spending plans—and save toward a great family vacation or a new kitchen!

You can also use your READYdebit Card account to pay your bills online. With the READY debit online bill pay service you can pay anyone—the power company, the cable company, even the babysitter. Anyone you could pay with a check can be paid using our online bill pay service.

How do I get my money onto the card?

There are several ways.

Direct deposit is best. Every payday, your wages are deposited automatically onto your READY debit Card. Totally free, totally fast. No waiting in line, no check-cashing fees. Read more about direct deposit.

We offer two easy ways to add cash to your READYdebit Visa Prepaid Card. With Visa ReadyLink and Green Dot® MoneyPak® your cash is available on your card in minutes. More information on loading money to your card.

Your bank may allow transfers from a checking or savings account to your READYdebit Card. Contact your bank for details and/or restrictions.

What are the fees?

Our fees are low! In fact, we even offer some features for free that other prepaid card issuers charge their customers.

Fees

Select

Platinum

 
Set up fee
(svc chg first load)
    $0.00   $0.00   You will not be charged a set-up fee.
Monthly Fee
(svc chg-monthly)
$9.95 $14.95   A great deal—and a whole lot better than check-cashing fees, wire-transfer fees, interest payments, late fees, ...

Initially charged at time of first value load on your Card, and charged on the same day of each subsequent month.
Signature Transactions
(svc chg no PIN tran)
  $0.00   $0.00   Other companies charge $1 or more per transaction
PIN transactions
(svc chg PIN tran)
$0.00   $0.00   Other companies charge $1 or more per transaction
Negative Balance Fee   $0.00   $0.00   Really!
Direct deposit $0.00 $0.00   Save time and money-sign up for free direct deposit to your READYdebit card account.
Loading cash & deposits via bank ACH transfer $0.00 $0.00   You can load cash to your card with Visa ReadyLink and Green Dot MoneyPaks. Each store charges a fee to complete the transaction.
U.S.ATM withdrawal
(svc chg ATM withdraw)
$2.50 per transaction $2.50 per transaction   Remember that the ATM owner may charge a fee, as well. Be careful with these—they can add up. Many stores will offer cash back when you make a purchase-buy a pack of gum and skip the ATM fees.
International ATM withdrawal
(svc chg ATM withdraw)
$4.95 per transaction $4.95 per transaction   Remember the ATM owner may charge a fee as well.
ATM withdrawal decline
(svc chg NSF ATM)
$1.00 $1.00   Check your balance online at no charge.
U.S. ATM Balance Inquiry
(svc chg balance inquiry)
$1.00 $1.00   Check your balance online at no charge.
Online customer service   $0.00   $0.00  
Automated phone support   $0.00   $0.00   Check out our FAQ for answers to many questions.
Live customer service
(svc chg VRU opt out)
$0.00 $0.00  
Online bill pay $0.00 $0.00   A great way to pay your utility bills, rent or even your babysitter.
Bill Pay Expedited Service (BILL PAYMENT) To have your funds delivered one(1) to four(4) business days faster $9.95 per request $9.95 per request  
Bill Pay Stop Payment (bill payment) $20.00 per request $20.00 per request  
Bank teller cash withdrawal (svc chg cash adv) $15.00 $15.00   Save a few bucks and use an ATM instead.
ACH debit (srvc chg-add/rem fnd) $2.50 per transaction $2.50 per transaction   A convenient way to pay reoccurring bills.
Replacement card (svc chg replace card) $0.00 per card $0.00 per card   Call us to get replacement of lost or stolen cards will not incur a charge.
Express Delivery Charge
(dr adj expedited fee; svc chg exped card))
$25.00 per transaction $25.00 per transaction   Call us to get replacement of lost or stolen cards will not incur a charge.
Paper statement
(statement fee)
$1.00 per statement $1.00 per statement   Save money - print your statements online
Currency conversion (svc chg intrntl tran) 3% of transaction amount after conversion 3% of transaction amount after conversion   Have fun on your travels

** The Visa Zero Liability policy covers U.S.-Issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security

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© Ready Financial Group, 2011.
The READYdebit Visa Prepaid Card is issued by The Bancorp Bank or MetaBankTM pursuant to a license from Visa U.S.A. and can be used everywhere Visa debit cards are accepted. The Bancorp Bank and MetaBank; Members FDIC.
There is no additional charge for this feature. Fees apply to the prepaid card. See your Cardholder Agreement for fees, terms and conditions.
*IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
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  The Bancorp Bank
  MetaBank