Second Chance Checking Accounts AccountNow
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Prepaid Debit Card Customer Review
"This one gets my Seal of Approval"
You can waste your time shopping around for a Prepaid Debit Card / Prepaid Credit Card, filtering through tons of misleading marketing messages, hear-say and hype. Or you can get the inside-scoop from an actual customer who can give you a first-hand recommendation. A real person who has been a customer of several and has remained a customer of only 1.
Over the years I have been a customer of several prepaid debit cards such as greendot, first vineyard, and a few others...
But by far... the best one that I've discovered is the AccountNow Prepaid Visa. This is not only a prepaid debit card, but it is a bank issued prepaid debit card with a real account number and routing number connected with it --making it the Perfect Second-Chance-Checking-Accounts Solution! - without all the hassles. There's NO Credit / ChexSystems Check, NO employment verification, NO lengthy applications ...none of that. And it's 100% Approval. The verification process is quick, easy and hassle-free. You can receive your new account number instantly like I did.
AccountNow provides online second chance banking with a Visa Debit Card included (they also have MasterCard but Visa is their main focus and offers more benefits). You can also get Free Direct Deposit which is a very important feature, especially if you have a job and would like to have your paycheck electronically deposited into your account (or social security check direct deposit). You can learn more about the benefit of direct deposit versus paper checks upon setting up your account.
Direct deposit is the safest and most secure method of payment these days to protect you from theft or identity theft. Having Direct Deposit gives me peace-of-mind because I know that I can rely on my money being 'in my account' On time - Every Time!.. regardless whether I'm at work, out sick, on vacation, or on the other side of the World!
In addition.. a Very crucial feature that's included with your account is that your money is FDIC-Insured up to $250,000 giving you Added 'dollar-for-dollar' Protection if your money is ever lost or stolen. The vast majority of other prepaid debit cards / prepaid credit cards that I've come across lack this very important 'protective' feature (And Beware: if you don't see it on their website and materials then they're lying!... Believe me, If they really offered it, this is something they definitely Would Not hide).
These are just a few advantages of AccountNow Second Chance Checking Accounts. There's more goodies in store... take a closer look for yourself to learn about all the benefits. Other prepaid debit cards ( also referred to by many as stored value cards or prepaid credit cards ) have not even scratched the surface of all the advantages of 2nd Chance Checking Accounts through this firm. I've been a satisfied AccountNow customer for over 2 years now and remain a very satisfied referring customer to this day :-)
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Note: Don't be confused. Prepaid Debit Cards are often referred to as Prepaid Credit Cards but they are Not the same. Prepaid Credit Cards are actually 'secured' credit cards in which you pay a deposit to be extended a small amount of credit that will be subject to interest charges, finance charges and every type of fee that credit card companies can think of -- which usually ends up outweighing the small piece of credit that they extended you in the first place. But by using a Prepaid Debit Card instead you can avoid Over-The-Top fees associated with credit cards because you are using your own money. Debit cards will force you to manage your money better - enabling you to greatly reduce your risk of debt.
In closing, the main reason why many people refer to a Prepaid 'Debit' Card as a Prepaid 'Credit' Card is simply because of the Visa or MasterCard logo seen on most cards. Remember: A Prepaid Debit Card does not involve credit. You simply have access only to the funds that you deposit "Prepay" into your account -- "Just Like A Checking Account!"
AccountNow can be used for:
- Fr*ee Direct Deposit
- Online/Phone Purchases
- Online Bill Pay
- Connect with PayPal account
- Paid-to-complete-offers-sites
- Good secure secondary account
- Full-fledged Second Chance Checking Account
- Free Credit Building
- Tax Refund and more!...
P.S. Heads Up... there's No up-front deposit required when you Apply Now... This is the same promotion that I took advantage of when I applied and they've brought it back for a limited time. It will enable you to get your card in hand without a penny out of pocket so you can see it, feel it and then ultimately experience it whenever you're ready.
*Income Opportunity* - When you sign-up as an AccountNow customer you will also have the opportunity to earn unlimited extra income (deposited straight to your card account) by referring family, friends, associates, or anyone else who could benefit from this helpful financial resource. Best wishes to you & yours.
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Comments
Thank you. I hope it reaches a lot of people who could use this helpful service...especially those caught-up in the web of ChexSystems.
Very useful and interesting hub!
It will keep people off from Credit and put them in Debit state of life instead, so increases the financial discipline of those actually using the service. Truly a healthy way of life…
how do i get to the balance
which reminds me... I need to check my balance too:) I'll walk you though while I do it myself. OK let's go to 'customer login' at the top right of site, enter your info. to access your account. Then when you get in it says "WELCOME manage your card account"... from there all you do is click the link 'Check Balances and Transactions' directly under it (enter you card number & pin on the secure form) and Voila! there's your balance:)
I am an account now customer. I have both the visa and mastercard. I could have a traditional bank, but really prefer the convenience of these accounts. I very highly recommend ACCOUNT NOW to everyone. Hurrah to the "new wave" of banking!
goodcardtohave.
Account now has the largest network of sites to deposit funds. Your cash is safe - the account is FDIC insured. The customer service is excellent! The fees are the lowest I have found! 1000000000% recommended!
AccountNow Rocks! and yes the with all the benefits they offer their fees are very low, fair and reasonable. They also offer a Free Credit Builder feature too which is really neat! This gives a person not only an opportunity for a second chance banking solution - but also a chance to improve their credit. As long as AccountNow continues to improve and operate like they have been, I will continue to remain a happy customer and pride myself in introducing this banking solution to others!-)
very informative... Keep up the great work! Listen, I am having problems with the application because of a screen reader that I use which helps me around the internet. This is a tool that I use because I am totally blind, without it, I have major problems. Does Account Now have a toll free number that I could call to apply over the telephone? you can email me at ask4gregory@gmail.com if it is possible. Thank you kindly and again, keep up the great work!
thanks for clearing up the difference btw credit & debit options & pointing out the fdic thing. . there's A LOT of hype out there.
No problem Jazz Thanks for droppin in!
Wow this sounds gret, but i just have one question, does this card allow cash withdraws from ATMs if I go the direct deposit route?
Yup!
Very good advice. It is good to get advice from an expert on these things! Great job.
PS- Im the lolipop guy! lol
--John
Haha ok I was wondering who that was. Thanks for dropping by and posting your comment!
This is terrific advice if you've been denied a bank account from any major bank or even your credit union.
I think PrePaid Credit Cards are certainly the future without the debt. You cannot get into any bother spending money you don't have as you can only spend the money you have placed on you account. Great Product. A real Debt Buster product!
A real Debt Buster well said! Thanks 4 visiting
Actually is is NOT a full fledged 2nd chance checking account. I was hoping to Validate my address on paypal and ebay using the card and it will not do that, further you cannot use the routing numbers to establish you have a bank account so therefor it is no good for paypal or ebay as far as validating identity or address.
Scott all I can tell you is that my AccountNow card is connected with my PayPal account with no problem at all. And I always direct deposit my funds straight to my AccountNow account from my Paypal (using my AccountNow routing & account number) with no issues at all. So perhaps there's additional issues in your case. Maybe you can try contacting PayPal customer service - as well as accountnow customer service and see what the problem really is. Sounds like it's some type of identity verification problem, I don't know what it is, just taking a wild guess. Hope things work out for you.
So can you use this for a cash advance in hard times?
Yes you can use this account to borrow money in hard times as well as build your credit.
it does not work at gas pumps... i always have to go into stores and charge it inside. Where I live most close around 8pm and i need to sometimes get gas at night, and it does not work at the pump so I am out of luck.
i just signed up with accountnow and should be recieving my card any day now i was kinda skeptical about getting the card because i'ved had almost every pre paid card there is and was not satisfied with any of them however i feel alot better about getting the card because i have yet to hear one bad thing about it plus it helps to know that my cash will be fdic insured! Something that no other pre paid agency has offered plus the fees are the lowest that i've found PERIOD!!
hey I'm just about to get this card, but i don't really understand how the maintenance fee works because i travel a lot.
Hey Joe simply follow the link and then click 'how it works' at the top for the latest details and benefits..
Someone asked if you could use this card to borrow from during hard times and the answer is no... You can only use what you put in..
It does work with PayPal and you can verify your account using this.. As far as low fees, it is $10 per month ... Ofcourse people with no credit are desperate so everyone takes advantage. With that said though it is a great card and for me the monthly fees is worth it just to be able to use my paypal...
I have had the card for some time and have never had a problem. I do wish I could use it at the pump though for gas but that is my only complaint. I wish the fees were lower too like by half..
Thanks for your input Rick, and yes you can borrow money with the card in the form of a cash advance even if you don't have the funds actually on your card at the time. You will need to sign-up for direct deposit and have a proof of income such as a job or other to qualify for a line of credit. This let's them know that you have the ability to repay the cash advance/short-term loan.
As far as the monthly fees go I agree with you, overall it is worth it, not only because of the ability to use with PayPal, but for all the features and benefits like being able to build your credit, and being able to get cash advances for short-term emergencies. As stated from the beginning I have tried many other cards, and although they may tout lower monthly fees, they usually end up stabbing the customer with higher transaction fees, inferior service, or other hidden fees. That's why I always tell folks to watch out for slick marketing and weigh out the overall value you're getting from a product/service, especially if it's something that you're planning on using for an extended length of time like a financial service.
I'm waiting for my new card but haven't set up direct deposit because I needed to read these kinda of reviews! I'll set up direct dep. tomorrow as this looks like a great and legitimate deal.













Second Chance Banking says:
2 years ago
Nice article about second chance banking.