The ReadyDebit Visa Review
The Ready Debit card is issued by MetaBank and has many benefits. When you enroll for the Ready Debit card with direct deposit you get free online bill pay, free online check writing, access to over 1 million ATMs and no overdraft fees.
The Readydebit card is a prepaid card, which means that you must load money onto the card in order to use it. You can do this via direct deposit, Visa ReadyLink and Green Dot MoneyPaks. You can also transfer money directly from your checking or savings account.
As it is a prepaid card, you must deposit money on the card in order for you to access the funds. The amount of money which has been transferred to the card minus purchases, fees and other transactions equals the amount available to be used for transactions.
This is really good because then you are not spending more than you really want to. Unlike credit card companies which encourage you to borrow money and pay interest and other fees on the borrowed money.
It is only good for the amount which you have loaded. They offer two plans; the Basic and the Select. There is a one-time, $9.95 card issuance fee with both plans.
There is a monthly service charge of $4.95 for the Basic plan and $8.95 for the Select plan. For a $10 fee you can request a second card with the Select plan; however, this amenity is not offered with the Basic.
You may also ask for a replacement card for a $10 fee. PIN transactions will incur a $.95 charge with the Basic, but are free with Select.
Also, ATM withdrawals in the United States will cost a $2.25 fee while ATM withdrawals outside of the United States will cost a $5 fee. Balance inquiries within the United States will incur a $.50 charge with the Basic, but are free with the Select.
They also have many free services with both plans, such as signature transactions, negative balance fee, direct deposit, online customer service, and automated phone support. You may not transact purchases or otherwise decrease the amount of the card by more than the balance of the card.
Also, the maximum amount you may withdraw from ATM machines each day is $500. A $2,500 per day spending limit is placed on the card.
Electronic statements are available at their website. Paper statements are available, however, there is a $2 fee/per statement for this service.
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