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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. 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® Reload @ the RegisterTM 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

Platinum

 

Select

Control

Activation Fee applied at first
load of Card (SVC CHG FIRST LOAD)
$0.00     $0.00   $4.95; one time charge  
Monthly Fee (SVC CHG-MONTHLY)
Initially charged at time of first value load
on your Card, and charged on the same
day of each subsequent month
$14.95 per month $9.95 per month $0.00  
Card purchases when using your
signature (Visa Purchase) (SVC CHG NO PIN TRN)
$0.00   $0.00   $1.00 per transaction  
Card purchases when using your
PIN (Debit Purchase) (SVC CHG PIN TRAN)
$0.00 $0.00   $1.00 per transaction  
ATM Balance Inquiry (SVC CHG BALANCE INQ)
Using an ATM to obtain Card Account balance
$1.00 per inquiry   $1.00 per inquiry   $1.00 per inquiry  
U.S. ATM Withdrawal
(SVC CHG ATM WITHDRAW)
Using a U.S. ATM to withdraw money
Tip 1: To avoid ATM fees, select "Debit"
and enter your PIN to get cash back when
making purchases at many retailers, such as grocery stores.
Tip 2: To avoid ATM Operator fees, use
surcharge-free ATMs. To locate the one nearest you,
visit www.readydebit.com.
$2.50 per transaction $2.50 per transaction $2.50 per transaction  
ATM Withdrawal Decline (SVC CHG NSF ATM) $1.00 per transaction $1.00 per transaction $1.00 per transaction  
Adding Money by Direct Deposit $0.00 $0.00 $0.00  
Card to Card Transfer
Transferring funds from one
Card to another
$0.00 $0.00 $0.00  
Managing your Card account online,
online statements
$0.00 $0.00 $0.00  
Paying your bills online with
Bill Pay (non-expedited service)
$0.00 $0.00 $0.00  
Deposit, balance, and other account information sent to your cell phone with Mobile Text Alerts $0.00
(Carrier fees may apply)
  $0.00
(Carrier fees may apply)
  $0.00
(Carrier fees may apply)
 

Description

 

Fees

 
Bank Teller Cash Withdrawal
(SVC CHG CASH ADV)
    $15.00 per transaction  
Express Delivery Charge
(DR ADJ EXPEDTD FEE; SVC CHG EXPED CARD)
    $25.00 per occurrence  
ACH Debit (SRVC CHG-ADD/REM FND)
When funds are withdrawn from your Card Account
using our bank routing number and your
14-digit Account Number
    $2.50 per transaction
Tip: To avoid ACH debit fees you can use the online
Bill Pay service we make available to you to make payments
to payees instead of using our bank routing number
and your Account Number for payment.
 
Bill Pay Expedited Service (BILL PAYMENT)
To have your funds delivered one (1) to
four (4) business days faster
    $9.95 per request  
Additional Card (SVC CHG REPLACE CARD)     $10.00 per request  
Replacement Card
(SVC CHG REPLACE CARD)
    $0.00 per request  
Paper Statement (STATEMENT FEE)
Mailing Paper Statements or documents
relating to your Card Account
    $1.00 per paper statement or
document mailed;
No charge for online access.
 
International ATM Withdrawal
(SVC CHG ATM WITHDRAW)
    $4.95 per transaction  
Foreign Currency Conversion
(SVC CHG INTRNTL TRAN)
    3% of transaction amount
after conversion
 

If you use an ATM not owned by us for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Card.


** 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




Visa
Metabank
Bancorp
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© Ready Financial Group, 2015.
The READYdebit Visa Prepaid card is issued by The Bancorp Bank or MetaBank®, Members FDIC, pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. The Bancorp Bank; Member FDIC.
1Requires direct deposit to your READYdebit Visa Prepaid Card or participation in the Platinum Fee plan. Neither The Bancorp Bank nor MetaBank are affiliated in any way with the credit monitoring and do not endorse or sponsor this offer.
**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.
*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 a copy of your driver's license or other identifying documents.
There is no additional charge for this feature. Fees apply to the prepaid card. See your Cardholder Agreement for fees, terms and conditions.
READYdebit does not charge for this service, but standard text messaging rates may be applied by your carrier.
This is not a credit card. Subject to ID verification.
Ready Financial Group, Inc. is an Independent Sales Organization ("ISO") pursuant to agreements with The Bancorp Bank and MetaBank.