MetaBank | READYdebit Card

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READYdebit™ Card
Issued by MetaBank

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Review

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 $3.95 a month, while the Select plan is $7.95 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.

Updated: January 2, 2009

Most Attractive Feature(s) : Direct deposit, online bill pay service

Least Attractive Feature(s) : Fees to withdraw funds, monthly service fees.

Terms and Conditions

Note: The review on this card was updated on January 2, 2009. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.

Specifics

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Category Definitions

Card Category: Pre-Paid

Annual Fee : $0

Additional Cardholders : $10

Annual Fee Details : Fees vary per plan and usage.* See website for details.

Minimum Credit Limit : n/app

Maximum Credit Limit : $10,000

Over-The-Limit Fee : n/a

Cash Advance Fee : $1.50 - $2.00 ATM withdrawal depending on plan; $5 International ATM withdrawals; $5 bank teller cash advances.

Minimum Deposit : $10

Maximum Deposit : $10,000

Application Fee : $9.95

Participation Fee : $3.95 - $7.95 monthly*

Reload Fee : $0

Inactive Fee : A $15 fee applies to those who require a paper check to terminate the account.

Total First Year Fees : up to $95.54**

Perks / Notations

Additional Perks

See website for additional benefits.

Important Notations

*See website for complete terms and conditions of card usage and application disclosure.
**Fees depend on plan. The first year fee for the Basic plan is $47.40, not including fees for ATM withdrawals, PIN transactions, balance inquries, online bill pay, and bank teller cash advance fees.

Additional Information

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APR (Purchases) : n/app

APR (Cash Advances) : Not Available.

Finance Configuration : n/app

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