The READYdebit Card from MetaBank is the perfect way for people who don't have a checking account to obtain and use a debit card for all of their purchases - whether plastic is required or not.
With this prepaid card, cardholders simply load the READYdebit Card with cash and use it as they would a credit card. Paychecks can even be directly deposited into a READYdebit account to get easy access to funds without waiting in line at the bank and to avoid paying high check cashing fees.
The READYdebit Card offers two options, depending on the cardholder's needs. The Basic plan is $4.95 a month, while the Select plan is $8.95 a month and comes with lots of extras like free online bill pay*. Select plan cardholders are also cut a break on other fees such as ATM withdrawal fees, balance inquiry fees, and fees for PIN transactions.
The best thing about the READYdebit Card is the freebies. Unlike other prepaid cards, cardholders are not charged card loading fees or negative balance fees - something banks would charge a pretty penny for.
The best part is that the READYdebit Card works just like a credit card and can be used to book hotel or car reservations or to make purchases online - something that just can't be done without a credit card. Plus, your funds on the READYdebit Card are protected by Visa's Zero Liability™ policy, which protects cardholders from unauthorized transactions.
Funds can be loaded onto the READYdebit via direct deposit, or at participating retail stores including Wal-Mart, Walgreens, Rite Aid, RadioShack, and wherever the Visa ReadLink symbol is displayed.
Most Attractive Feature(s): Direct deposit, online bill pay service