AccountNow Prepaid vs. AccountNow Gold Prepaid

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Accountnow-Prepaid-Versus-Accountnow-Gold-PrepaidWith consumer debt skyrocketing, the federal government says that millions of new prepaid cards are used every year. Why are they so popular? With a prepaid card, you can only spend the amount loaded onto the card, so there’s no danger of overspending.

Apply right here for the AccountNow Prepaid card by clicking this link

Both the AccountNow Prepaid card and the AccountNow Gold Prepaid card offer many of the benefits of a bank, like online bill paying and direct deposit. Since they work like credit or debit cards, you can use them anywhere, even online.

As with all prepaid cards, the Ohio Attorney General says you should always be aware of the fees. Not all prepaid cardholders disclose all the fees involved, since they aren’t required to by law.

However, the AccountNow cards are highly rated, and have received several rewards for their products.

While the basic AccountNow Prepaid card and the Gold Prepaid card are from the same company, the fees are different.

You’ll need to analyze each one to see which would best serve your needs.

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Classic AccountNow Prepaid Card Terms and Fees

  • Designed for occasional users and not as an everyday card
  • $4.95 activation fee
  • No monthly fee
  • $1 fee each time you use it to purchase something
  • $2.50 for an ATM withdrawal
  • $0.50 automatic help center charge
  • $1 live help call charge

Benefits of an AccountNow Prepaid Card

Because of the many options available from both cards, you’ll enjoy many of the benefits from a checking account. Like many credit cards, AccountNow also offers perks to cardholders. Not only do you get a bonus when you set up a direct deposit, but you can also earn referral bonuses.

If you qualify, you could receive a $15 direct deposit bonus.

There are also purchase rewards you can earn as well as occasional special offers. When you take advantage of these you’ll earn you cash back, something quite unusual for a prepaid card.
Another unusual aspect of this card is that it is insured by the federal government for up to $250,000, just like a bank account. This is something most prepaid cards cannot offer. In addition, since both cards are part of the Visa network, you are covered by Visa’s Zero Liability promise. If your card is lost or stolen, you won’t be held liable for any fraudulent charges.

Since it is a Visa card, your prepaid card is accepted everywhere Visa is. The cards are printed with the word “Debit” on the front, so no one will even know it’s a prepaid card!

AccountNow Gold Prepaid

  • Designed for everyday use
  • Activation fee is waived
  • $9.95 monthly fee
  • No transaction fee
  • $2.50 for an ATM withdrawal
  • $0.50 automatic help center charge
  • $1 live help call charge which is waived for direct deposit users

AccountNow prepaid cards can even save you money. You won’t have to pay check cashing fees anymore. The online bill paying feature, something you usually find on a bank site, lets you pay bills fast, easy, and without buying stamps.

Clearly, if you plan to use your prepaid card on a regular basis then the Gold Prepaid is the better choice as it does not have the $1 transaction fee that the regular AccountNow card has.

There is never a charge from AccountNow to add funds to your card. Not only is direct deposit free, but transfers and cash deposits into AccountNow accounts are free. You can also write free checks through the bill pay system. You can also save the ATM fees by getting free cash back from retailers.

The biggest downside to an AccountNow prepaid card, as with all prepaid cards, is that it won’t help build your credit. If you have a low credit score, and are looking for a way to raise it, AccountNow won’t do that. They don’t check your credit before issuing you a prepaid card. On the flip side, they won’t report your responsible use of the card either.

However, if you are the type that finds yourself overspending with a traditional credit card, these AccountNow prepaid cards can help to keep your from spending more than you have.

Apply instantly for the AccountNow Gold Prepaid car by clicking here!

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

One Cardholder Review for the “AccountNow Prepaid vs. AccountNow Gold Prepaid”

  1. Linda Luna says:
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    I have an account now card. And today there were three charges I didn’t make two from Macy’s and one from rite aid , I did not lose my card. And when I called acc now, they said yes Macy’s and rite aid, and that I need to call the companies and figure it out. But couldn’t provide me with transaction number, state where it happened , was it online purchase , or a store, what store, a phone number.. Nothing , just the time and “Macy’s corp” and rite aid corp” are you kidding me? When I called the companies they were how can we even start to try to help you if you have no info. It was like 80 in total. I’m a working mother of 3 and I found out about the money when I was buying my son a nice baseball glove and after he was gonna get a hair cut. I manage to do it cause Im his mother and he lives breath and eats baseball he is a jr in high school good kid. But I’m not fighting with account now , but what a way to run a business . Hey I could keep my money safer in my pocket. Any advice on what to do next?
    Thanks for reading my long letter .
    Linda Luna and kids…

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