Compare AccountNow to Check Cashers

If you use check cashers to handle your finances because you don't have a bank account, AccountNow can help you save money. You can save more than $500 a year by using an AccountNow Prepaid Card instead of check cashing services. That's more than $40 each month!

Monthly Items1 No Bank
Gold Card
You Save
Cashing Your Paycheck
Check cashing fees / Direct Deposit
$21.00 $0.00 $21.00
Paying Your Bills
$38.97 $0.00 $38.97
Monthly Fee $0.00 $9.95 ($9.95)
ATM Fees
Based on 3 withdrawals
No Access $7.50 ($7.50)
Monthly $59.97 $17.45 $42.52
* Data Source: Reloadable Prepaid Card Analysis, by Bretton Woods, Inc., March 2011. Calculations based on Western Union and Ace Cash Express fees. Cheaper alternatives may be available. For instance, the USPS charges $1.10 each for Money Orders in the amount of $500 or less as of June 2011.
Annual Savings  $510

5 Reasons to get an AccountNow Prepaid Account

  1. We're Inexpensive.
    Instead of paying an average 2.25% to cash your paycheck, deposit your payroll or benefits check to your prepaid account for free with direct deposit. You can also save money when you pay your bills with your AccountNow prepaid account. Avoid money order and postage fees to pay your bills by using our online bill pay feature. It's free for standard processing.

  2. We're Fast.
    With an AccountNow prepaid account, you have access to your money at all times. Get your online banking done from the comfort of your home, work, or everywhere with internet access. With direct deposit and online bill pay, you can avoid unnecessary trips to the check cashing center and long lines. When you sign up for Direct Deposit you can get Paid up to 2 Days Faster(with direct deposit).

  3. We're Convenient.
    You can use your AccountNow prepaid card to shop online, pay bills, and purchase goods or services everywhere Visa debit cards or Debit MasterCard is accepted. Plus, you can withdraw cash from your prepaid account at over one million ATMs worldwide with the AccountNow Prepaid Card. Never get stuck at the register searching around for enough change to pay for a purchase again.

  4. We're Safer.
    It is safer to keep your money on one of our prepaid cards than carrying it around in cash. Unlike cash, your AccountNow prepaid card is protected against unauthorized purchases with Visa Zero Liability policy** or the MasterCard Zero Liability*** coverage. All AccountNow prepaid accounts are FDIC insured through the issuing bank. MetaBank and The Bancorp Bank, Members FDIC.

  5. We're Friendly.
    We have a team of friendly and knowledgeable customer service representatives ready to resolve any questions or concerns you may have regarding your AccountNow prepaid account. Our customer service reps receive an average 8.5 out of 10 rating on “friendliness”, “resolving your issue on the first call” and “satisfaction”.

1Average monthly card usage cost based on the following: 8 PIN transactions, 7 signature transactions 3 cash withdrawals, 4 online bill payments (2 electronic/ 2 mail), 2 bank-to-card transfers.


100% Approval subject to ID verification*
No Credit Bureau Check
$15 Direct Deposit Bonus§

Get your Tax Refund in as little as 8 Days

Visa Logo- AccountNow Prepaid Visa
MasterCard Logo- AccountNow Prepaid MasterCard
AccountNow, Inc. is a BBB Accredited Financial Service in San Ramon, CA

© 2016 Green Dot Corporation.  The AccountNow Prepaid Visa Card and AccountNow Gold Visa Prepaid Card are issued by Green Dot® Bank, The Bancorp Bank, or MetaBank® pursuant to a license from Visa U.S.A. Inc. The AccountNow Prepaid MasterCard (Classic) is issued by MetaBank pursuant to a license by MasterCard International Incorporated. Visa is a registered trademark of Visa International Service Association. MasterCard is a registered trademark of MasterCard International Incorporated. Green Dot is a registered trademark of Green Dot Corporation. Please see the back of your card for its issuing bank. Usage restrictions may vary by issuing bank. Please refer to your Cardholder Agreement for specific details. Green Dot Bank, The Bancorp Bank, and MetaBank; Members FDIC.

All rights reserved. All other trademarks, service marks and other registered marks are the property of their respective owners.

*IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, social security number and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Approval is subject to identity verification, as well as and other fraud prevention measures.

**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 other certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit

***Conditions and exceptions apply - see Cardholder Agreement.

§This offer is available to all AccountNow Gold Visa Prepaid Card customers. To qualify for the $15 direct deposit bonus, within 6 months after being approved to receive a card you must deposit at least $500 in qualifying deposits per month via recurring direct deposit in two or more consecutive months. Bonus must be redeemed by phone at 877-553-3767 within 30 days of meeting qualifications. Please see help for eligibility and redemption requirements.

There is no additional charge for this feature. Fees apply to the prepaid card. See your Cardholder Agreement for fees, terms and conditions.

How it works: Many employers and benefits providers notify the bank of direct deposits before your official payday. If we receive sufficient early notice, we will deposit your payroll or benefits into your account early. Ask your employer or benefit provider when they submit their direct deposit information to the bank. Your employer or benefit provider may not submit early every pay period. Early deposit for benefits will post after your first benefits direct deposit.

This is not a credit card. Subject to ID verification.

Ingo Money Disclaimer: Ingo Money is operated by Ingo Money, Inc. and all check funding services are provided by First Century Bank, N.A. (collectively, "we", "us" or "our"). Use of Ingo Money is subject to the Ingo Money and First Century Bank Terms and Conditions, and the information you send to us is subject to the terms of our Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to an hour. All checks are subject to approval for funding in our sole discretion. Unapproved checks will not be loaded to your card. We reserve the right to recover funds from bad checks if you knew the check was bad when you sent it, if you attempt to cash or deposit it elsewhere after funding, or if you otherwise act illegally or fraudulently. App Store is a service mark of Apple, Inc. Google Play is a trademark of Google, Inc. Data rates may apply.