The All-Access® Visa® Prepaid Card, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining an unsecured credit card.
This card requires the cardholder to make payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by ACH transfers, credit or debit card transfers, PayPal transfers, and in person retail transfers.
Cardholders will have the option of choosing between the pay per transaction plan and the FeeAdvantage™ plan. The pay per transaction plan has no monthly fee, but there is a fee charged every time the cardholder makes a purchase. On the other hand, the FeeAdvantage™ plan allows cardholders to make unlimited signature and PIN purchases for a monthly fee. Depending on whether the cardholder makes signature or PIN purchases more, the FeeAdvantage™ plan may be a better option for those who plan to make more than five to ten purchases per month.
However, this card has a very low application fee in comparison to most prepaid cards, and some prepaid cards charge both a monthly participation fee and a purchase transaction fee, so this card is definitely a cost-effective option.
This card offers additional services and benefits including free wireless alerts for account information, no liability for unauthorized transactions, overdraft protection, and integrated bill payment. Cardholders will also be able to participate in the referral program that rewards them with $5 for each activated card that they refer.
Therefore, those who are looking for a card where they can pay in advance for purchases, would like a card with limited fees, and plan to take advantage of the various benefits and services may find the All-Access® Visa® Prepaid Card to be a beneficial option.
Updated: June 26, 2006
Most Attractive Feature(s) : No annual fee; free direct deposit; no credit checks.
Least Attractive Feature(s) : Cardholders either pay a fee per transaction or a monthly fee for unlimited transactions.
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