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 is 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. 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.
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
Your bank may allow transfers from a checking or savings account to your READYdebit Card. Contact your bank for details and/or restrictions.
The following fees apply to your Card account, depending on which Card fee plan you have obtained.
You may change the Card fee plan you selected when you first obtained your Card at any time.
If you wish to change to the Select or Control fee plan, call 1-866-295-2460.
|Initial and Monthly Fees|
Account Set-Up Fee(SVC CHG FIRST LOAD)
One-time chanrge, applied at first value load of Card.
|Monthly Fee (SVC CHG FIRST LOAD; SVC CHG-MONTHLY)
Your Initial monthly Fee is charged at the time of first
value load on your Card, and subsequent Monthly Fees are
charged on the same day of each subsequent month.
|$9.95 per month||$0.00|
U.S. ATM Withdrawal (SVC CHG ATM WITHDRAW)
A per-transaction fee for using a U.S. ATM to withdraw money.
Tip: To avoid ATM fees, select "Debit" and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores.
|$2.50 per transaction*||$2.50 per transaction*|
ATM Decline (SVC CHG NSF ATM)
A per-transaction fee for using an ATM to withdraw money from your Card account and having the transaction declined.
|$1.00 per transaction*||$1.00 per transaction*|
Card to Card Transfer (CRD-CRD XFR-DR)
Transferring funds from one Card to another.
Signature Transaction (SVC CHG NO PIN TRN)
Card purchases when using your signature (Visa Purchase).
|$0.00||$1.00 per transaction|
PIN Transaction (SVC CHG PIN TRN)
Card purchases when using your PIN(Debit Purchase).
|$0.00||$1.00 per transaction|
|Paying your bills online or by telephone using the Bill Pay service we make available to you (non-expedited service).||$0.00||$0.00|
|Adding money by Direct Deposit (ACH-DIR ADD FUNDS)||$0.00||$0.00|
|Adding money using third party money transfer services (ADD FUNDS)||$0.00*||$0.00*|
|Managing Your Account|
ATM Balance Inquiry (SVC CHG BALANCE INQ)
A per-transaction fee for using an ATM to obtain your Card account balance.
|$1.50 per transaction*||$1.50 per transaction*|
Account Inactivity Fee(SVC CHARGE MONTHLY)
A fee charged each month after you have not had any purchases, withdrawals or balance inquiry fees on your card account for 90 days.
|$0.00||$4.95 per each month after you have not completed a transaction using your card account for 90 days.|
|Having load, balance, and other account information sent to your cell phone with Mobile Text Alerts.||$0.00**||$0.00**|
|Managing your Card account online and viewing online statements.||$0.00||$0.00|
Less Common Services (applicable to all Fee Plans)
Bank Teller Cash Withdrawal (SVC CHG CASH ADV)
A per-transaction fee for using a bank teller to withdraw
cash from your Card account.
|3% of transaction amount|
Express Delivery Charge (DR ADJ EXPEDTD FEE; SVC CHG EXPED CARD)
An amount charged each time you request that a Card be
delivered to you on an expedited basis (within 3 business days).
|$25.00 per occurrence|
ACH Debit (SRVC CHG-ADD/REM FND)
A per-transaction fee charged each time funds are withdrawn from
your Card account using our bank routing number and your account number.
Tip: To avoid ACH debit fees you can use the online
Bill Pay service we make available to you through our third party
service providers("Bill Pay") to make payments to payees instead of
using your bank routing number and your Account Number for payment.
$2.50 per transaction
Bill Pay Expedited Service (BILL PAYMENT)
A fee charged each time you request to have your funds delivered one
to four business days faster when using the Bill Pay
service we make available to you.
|$9.95 per request|
Paper Statement (STATEMENT FEE)
A fee charged for each paper monthly statement
mailed to you upon your request.
Tip: There is no charge for online access to
your Card account transaction history.
|$1.00 per paper statement or document mailed|
International ATM Withdrawal (SVC CHG ATM WITHDRAW)
A per-transaction fee for using a non-U.S. ATM to withdraw money.
Tip: To avoid ATM fees, select "Debit" and enter your
PIN to get cash back when making purchases at
many retailers, such as grocery stores.
|$4.95 per transaction*|
|Foreign Transacton Fee (SVC CHG INTRNTL TRAN)||3.00% of transaction amount after conversion|
*Third party fees may apply.
**Standard Text Messages rates may apply.
|Questions? Please call 1-866-295-2460 or visit www.readydebit.com.|
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