Say No to AccountNow and You’ll Thank Us Later - NerdWallet
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Say No to AccountNow and You’ll Thank Us Later

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The AccountNow card says it’ll curb the power of regular credit cards. With the abundance of hidden fees and the seemingly irresistible temptation to “buy now, worry later,” credit cards have the power to make or break our financial health. AccountNow.com’s prepaid debit card purports to control that insatiable thirst to spend while protecting users from sneaky annual, over-the-limit and other fees. But, unfortunately, the “cure” for credit card fees comes riddled with fees of its own.

Here at NerdWallet, we’ve done what we can to educate consumers on the real story behind the prepaid debit card. They claim to improve credit scores and shield you from the outrageous fees, but they’ve just turned out to be nothing more than the traditional debit card’s ugly (and very expensive) step cousin.

But, despite our various warnings, some people still want to give it a try, so we’d like to at least help you navigate the prepaid debit waters as safely as possible.

Tantalizing Temptations

The AccountNow Prepaid Debit card from Visa is a popular prepaid card, but one that should definitely be avoided. In addition to its claims about promoting responsible budgeting and other money saving tactics, the AccountNow card also advertises the standard “no credit check” and “no overdraft fees,” gimmicks often used to intensify a prepaid card’s allure.

Account Now also offers free check cashing (but only when using direct deposit) and emphasizes that everyone can join, even those listed on ChexSystems. But although they offer some rather enticing deals, the benefits are severely outweighed by their ridiculous fees.

There are two AccountNow prepaid cards available—the Classic card, for occasional users, and the Gold card, intended for frequent users. The Classic card comes with a $4.95 one-time set up fee and although the Gold card doesn’t have a set up fee, they stick you with a $9.95 monthly fee instead, and attempt to soften the blow by calling it a “Gold Privilege” fee. The Classic card doesn’t have a monthly fee but charges $1 per transaction, coming up about even with the Gold Card by the end of the month.

The lesser of the prepaid debit evils

If you really have your heart set on a prepaid debit card, you’re better off with the new American Express prepaid card in terms of fees. It doesn’t have a monthly fee, a sign up fee, or a replacement fee for lost cards (as opposed to AccountNow’s $15 replacement fee). It gives one free ATM withdrawal a month, and charges $2 per ATM use after that, compared with the AccountNow Gold’s $3.75 withdrawal fee.

But just because it’s better than the AccountNow doesn’t mean it is free of problems itself. American Express doesn’t offer free deposit/reloading with direct deposit (yet), so your deposits will cost you $4.95 with a Green Dot Money pack, unless you have a credit card or a checking account to make deposits (which makes a prepaid debit card more or less irrelevant). For all the media hype, the AmEx prepaid falls a little short of its goal of helping the unbanked. Plus, AmEx card can only be used where American Express is accepted, limiting your choices to about 4.5 million merchants. But still it manages to be cheaper than the Account Now cards for those without bank accounts.

Many look to prepaid cards to improve poor spending habits or to help revive an ailing credit score, but the truth is, if you want to make some real changes to your financial situation, a prepaid debit card won’t help. A prepaid debit (or really any debit) card won’t raise your credit score, no matter what you hear. Despite popular belief, there isn’t usually a credit check involved when getting a checking account, so a prepaid debit card isn’t the only option for those of you with poor credit. If you’re having credit trouble, you’re better off with a regular checking account or one of these credit cards specifically for those with bad credit.

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  • Kenneth Dent

    I received my Account Now prepaid debit card, yesterday, my payday is today, and I can’t use my card. I applied for the Account Now debit card on or about, December 15,2011, and on December 27,2011, I received an E-mail, from Account Now, stating that my card was placed in the mail on that day. To my dismay that card never arrived at my address. I sent two E-mail post to Account Now, informing them of this problem, and they ignored to respond to my E-mail. According to my Account Now account, I now have two accounts with Account Now. I can only imagine that the first card sent to me has been stolen and I will never see my benefits, for this month. I reapplied for an Account Now prepaid debit card, on or about January 10,2012, hoping to get their attention to my E-mail post but my efforts fell on blind eyes. Tomorrow, I plan to visit the local office of the Social Security Administration, and and try to have my benefits redirected to me in the form of a paper check. I also intend to have this account with Account Now closed. The Customer Service for Account Now, sucks, and I shouldn’t have to go through these changes.

    • Madision

      I have my federal refund deposited to my account now card and now there holding my money asking me to fax them s.s card ,id and even my light bill telling me that it will be 1 to 3 business days when I call I sit on hold for a hour and customer service is very nasty …never again will I use a pre paid call run in you see or hear the word account now ….biggest mistake I ever made

      • Rootsoldier

        We experienced the same situation. After putting a hold on our acct. because my last name was different than my husbands,they gave us a list of documents that needed to be faxed. We faxed every document to them which included: ss cards ,IDs,utility bills,my 1099 ,and a letter from me stating I authorized my fed. return to be deposited in the acct.,we were told they didnt receive them. We went through a week of arguing with these people and faxing the same documents over and over again. Then they told me they needed my w-2,and tried to tell me that they couldnt except a 1099. After another day of arguing with them I finally got the foreign lady to understand that a w2 and 1099 were similar,we were told we had all documentation needed and the hold would be lifted within 24 hours. After 24 hrs the hold wasn’t lifted and my husband called back. They stated the documents werent acceptable and our acct was being closed,my refund would be sent back to the irs in 3-5 weeks,and we were never allowed to bank with them again. I dont understand we have never done anything wrong,always had good standing with all our banks and so on. In the meantime my husbands paycheck was direct deposited. They say they rejected it ,his employer states they never sent it back. They allowed my refund to sit in his acct 24 hrs before the post date and didnt reject it. As a matter of fact,they didnt reject it until 48 hrs after the money posted ,then they put a hold on our acct. Now the amt being sent back to the irs isnt the same as what was deposited because they allowed us access to it for 48 hrs . Seems to me if they were going to send it back they should have done so the min. they received it and saw that I wasnt the primary acct holder. It has been one week since my husband called and they told him they were closing the acct. They still havent closed the acct.,sent the money back to the irs,or allowed us access to it. Although I had to send them everything but a blood sample to prove identity,I’m still not allowed to talk to anyone about any of this because I’m not the primary acct holder. Accountnow Visa are frauds in my opinion. They have inexperienced customer service,they are rude when you speak to them and the wait times are unreasonable.(45 min. to for cust. serv., and then they transfer you to the risk dept where you will be on hold another hour assuming they dont hang up on you and make you restart the entire process!) They lie,are constantly sending you in circles and constantly coming up with excuses. I could call one person and have them say they received my documents and call another and have them say they didnt receive anything…..Now I have no idea where my money is at or how long it will be before I see it again if ever……Please DO NOT use account now unless u like being stressed,frustrated ,and having your money stolen. >:/

  • Kenneth Dent

    I received my Account Now prepaid debit card, yesterday, my payday is today, and I can’t use my card. I applied for the Account Now debit card on or about, December 15,2011, and on December 27,2011, I received an E-mail, from Account Now, stating that my card was placed in the mail on that day. To my dismay that card never arrived at my address. I sent two E-mail post to Account Now, informing them of this problem, and they ignored to respond to my E-mail. According to my Account Now account, I now have two accounts with Account Now. I can only imagine that the first card sent to me has been stolen and I will never see my benefits, for this month. I reapplied for an Account Now prepaid debit card, on or about January 10,2012, hoping to get their attention to my E-mail post but my efforts fell on blind eyes. Tomorrow, I plan to visit the local office of the Social Security Administration, and and try to have my benefits redirected to me in the form of a paper check. I also intend to have this account with Account Now closed. The Customer Service for Account Now, sucks, and I shouldn’t have to go through these changes.

    • Madision

      I have my federal refund deposited to my account now card and now there holding my money asking me to fax them s.s card ,id and even my light bill telling me that it will be 1 to 3 business days when I call I sit on hold for a hour and customer service is very nasty …never again will I use a pre paid call run in you see or hear the word account now ….biggest mistake I ever made

      • Rootsoldier

        We experienced the same situation. After putting a hold on our acct. because my last name was different than my husbands,they gave us a list of documents that needed to be faxed. We faxed every document to them which included: ss cards ,IDs,utility bills,my 1099 ,and a letter from me stating I authorized my fed. return to be deposited in the acct.,we were told they didnt receive them. We went through a week of arguing with these people and faxing the same documents over and over again. Then they told me they needed my w-2,and tried to tell me that they couldnt except a 1099. After another day of arguing with them I finally got the foreign lady to understand that a w2 and 1099 were similar,we were told we had all documentation needed and the hold would be lifted within 24 hours. After 24 hrs the hold wasn’t lifted and my husband called back. They stated the documents werent acceptable and our acct was being closed,my refund would be sent back to the irs in 3-5 weeks,and we were never allowed to bank with them again. I dont understand we have never done anything wrong,always had good standing with all our banks and so on. In the meantime my husbands paycheck was direct deposited. They say they rejected it ,his employer states they never sent it back. They allowed my refund to sit in his acct 24 hrs before the post date and didnt reject it. As a matter of fact,they didnt reject it until 48 hrs after the money posted ,then they put a hold on our acct. Now the amt being sent back to the irs isnt the same as what was deposited because they allowed us access to it for 48 hrs . Seems to me if they were going to send it back they should have done so the min. they received it and saw that I wasnt the primary acct holder. It has been one week since my husband called and they told him they were closing the acct. They still havent closed the acct.,sent the money back to the irs,or allowed us access to it. Although I had to send them everything but a blood sample to prove identity,I’m still not allowed to talk to anyone about any of this because I’m not the primary acct holder. Accountnow Visa are frauds in my opinion. They have inexperienced customer service,they are rude when you speak to them and the wait times are unreasonable.(45 min. to for cust. serv., and then they transfer you to the risk dept where you will be on hold another hour assuming they dont hang up on you and make you restart the entire process!) They lie,are constantly sending you in circles and constantly coming up with excuses. I could call one person and have them say they received my documents and call another and have them say they didnt receive anything…..Now I have no idea where my money is at or how long it will be before I see it again if ever……Please DO NOT use account now unless u like being stressed,frustrated ,and having your money stolen. >:/

  • Angelisaholt

    my cousin experience the same situation with account now and her federal refund was direct deposited onto her account and her card never arrived so therefore she had to pay to have it sent fedex

    • Joycette24

      That’s why it’s just better to establish the account and then set up the direct deposit once the card has arrived and you have your information. I did not do it until at least 2 months after receiving the card. So far, everything is working ok.

  • Angelisaholt

    my cousin experience the same situation with account now and her federal refund was direct deposited onto her account and her card never arrived so therefore she had to pay to have it sent fedex

    • Joycette24

      That’s why it’s just better to establish the account and then set up the direct deposit once the card has arrived and you have your information. I did not do it until at least 2 months after receiving the card. So far, everything is working ok.

  • Coffeebrandynmilk

    I have had my account now card since 2005 n I love it! I only pay $1.50 at the most for ATM fees n I don’t pay any fees at all invade I overdraft. I don’t k.ow what kind of people u all deal with but my experience has great

    • Chelsea

      I’ve have it too and haven’t experienced any problems. Do you use the new gold card now? How do you like it compared to the classic card?

    • ny user

      Me too, I have direct deposit and monthly fee of $4.95 is fine. Ive had mine since 2008 and Ive had no problems at all. All information was clearly defined when I got my card, but you have to take the time to read it.

  • Coffeebrandynmilk

    I have had my account now card since 2005 n I love it! I only pay $1.50 at the most for ATM fees n I don’t pay any fees at all invade I overdraft. I don’t k.ow what kind of people u all deal with but my experience has great

    • Chelsea

      I’ve have it too and haven’t experienced any problems. Do you use the new gold card now? How do you like it compared to the classic card?

  • Amandapauly99

    Wish I wouldve read this earlier!!!

  • Amandapauly99

    Wish I wouldve read this earlier!!!

  • Exotic_eyez2003

    I am currently with Account Now, however I will be closing my account at the end of this week. Even with the regular card they charge you the $9.95 at the end of each month. They also charge you a fee everytime you use the card at a atm, the only way not to accur that fee is to go somewhere to purchase an item and then ask for cash back, but that is a headache if you need somemoney right then. Also last month they took a friends car payment out 2 times at once. Well she got the money back, however it put her in a hardship at that time because her rent was due, she could pay her rent however it left her with little money until her car payment money appeared back on her card. Well yesterday, I used my AccountNow card and the girl swiped it one time, however when I went to use it at the grocery store it showed they took it out 4 times. They were trying to say it was the retailer’s error and not there’s. They told me that it would take 5 days to see it back on the card. I asked how come it took you less than a minute to take the same amt out 4 times and then i preceded to explain why would someone sit at a retailer and have them swip the card 4 times for the exact same amount. They said they would have to wait to get the one authorization. Needless to say prepaid cards can be a major headache.

  • Exotic_eyez2003

    I am currently with Account Now, however I will be closing my account at the end of this week. Even with the regular card they charge you the $9.95 at the end of each month. They also charge you a fee everytime you use the card at a atm, the only way not to accur that fee is to go somewhere to purchase an item and then ask for cash back, but that is a headache if you need somemoney right then. Also last month they took a friends car payment out 2 times at once. Well she got the money back, however it put her in a hardship at that time because her rent was due, she could pay her rent however it left her with little money until her car payment money appeared back on her card. Well yesterday, I used my AccountNow card and the girl swiped it one time, however when I went to use it at the grocery store it showed they took it out 4 times. They were trying to say it was the retailer’s error and not there’s. They told me that it would take 5 days to see it back on the card. I asked how come it took you less than a minute to take the same amt out 4 times and then i preceded to explain why would someone sit at a retailer and have them swip the card 4 times for the exact same amount. They said they would have to wait to get the one authorization. Needless to say prepaid cards can be a major headache.

  • birdmann

    I wish I would have seen this earlier. I signed up for the card and had my tax returns direct deposited. It’s now been two weeks and no sign of my card in the mail. and with my returns totaling over $1000 dollars I am extremely furious. their customer service IS NON EXISTENT. There is no one on the other end of the phone line it seems, and there is no way to get in touch with a human. Also, my e-mail which was sent a week ago has yet to receive a reply. DO YOUR SELF A FAVOR AND STAY AWAY FROM ACCOUNT NOW ITS A DAMN SCAM.

  • birdmann

    I wish I would have seen this earlier. I signed up for the card and had my tax returns direct deposited. It’s now been two weeks and no sign of my card in the mail. and with my returns totaling over $1000 dollars I am extremely furious. their customer service IS NON EXISTENT. There is no one on the other end of the phone line it seems, and there is no way to get in touch with a human. Also, my e-mail which was sent a week ago has yet to receive a reply. DO YOUR SELF A FAVOR AND STAY AWAY FROM ACCOUNT NOW ITS A DAMN SCAM.

  • Dolfan73

    These people @ Account Now really don’t give a rip about you or your situation. They recently closed my account which froze all the money I had in there. This has left me with $0.00 and I had to fax certain docs for them to review. Then I was told that it would take 3-4 business days for them to review. So here I sit with no money because of them. I can’t believe this really. I wish there was something I could do because of the hardship they are causing me.

  • Dolfan73

    These people @ Account Now really don’t give a rip about you or your situation. They recently closed my account which froze all the money I had in there. This has left me with $0.00 and I had to fax certain docs for them to review. Then I was told that it would take 3-4 business days for them to review. So here I sit with no money because of them. I can’t believe this really. I wish there was something I could do because of the hardship they are causing me.

  • Ali Bryant

    Believe this warning… never,ever get involved with Accountnow
    Moneygram. Hours and hours on hold and I mean 1.5 hrs minimum per call to their “Risk Management” dept. After a determined 2 day siege I was told they never received my ID only my utility bill. I made in excess of 2 calls per day for a month, each time giving my social, address, and phone number which they require to speak to me before being sent to the 1.5hr hold hell and not once did I receive the info needed to clear this up, nor did they reach out to me, a handicapped women living 40 minutes away from the nearest Staples .

  • Ali Bryant

    Believe this warning… never,ever get involved with Accountnow
    Moneygram. Hours and hours on hold and I mean 1.5 hrs minimum per call to their “Risk Management” dept. After a determined 2 day siege I was told they never received my ID only my utility bill. I made in excess of 2 calls per day for a month, each time giving my social, address, and phone number which they require to speak to me before being sent to the 1.5hr hold hell and not once did I receive the info needed to clear this up, nor did they reach out to me, a handicapped women living 40 minutes away from the nearest Staples .

  • Hammered001

    Just got a call from these scheisters. Ever since Bill Clinton was in office, these Shylocks have spread like wildfire. More people should wise up before they realize they have traded citizenship for the pathetic title of “subject”. Hope it is all right to hate these tactics without being charged with a hate crime. What a mess!

  • Hammered001

    Just got a call from these scheisters. Ever since Bill Clinton was in office, these Shylocks have spread like wildfire. More people should wise up before they realize they have traded citizenship for the pathetic title of “subject”. Hope it is all right to hate these tactics without being charged with a hate crime. What a mess!

  • Dukebarbara

    I wish I had read this article earlier. I filled out my income tax with Taxact and used direct deposit to Accountnow. This was done in mid to late January, I still have not seen my income tax money. Accountnow states that they did not receive a direct deposit from IRS for me. I did contact IRS and they sent the direct deposit to the bank they normally send it to in order to take the filing fee out and I contacted that bank and they said that they receive my deposit on 2/2/12 and sent it to Accountnow on 2/3/12. I have been trying to find my money since 2/6/12. I would not ever recommend this company to anyone.

  • Dukebarbara

    I wish I had read this article earlier. I filled out my income tax with Taxact and used direct deposit to Accountnow. This was done in mid to late January, I still have not seen my income tax money. Accountnow states that they did not receive a direct deposit from IRS for me. I did contact IRS and they sent the direct deposit to the bank they normally send it to in order to take the filing fee out and I contacted that bank and they said that they receive my deposit on 2/2/12 and sent it to Accountnow on 2/3/12. I have been trying to find my money since 2/6/12. I would not ever recommend this company to anyone.

  • Susan

    DO NOT get an Accountnow card! I had my payroll deposited on the card on Feb 11, 2012, today is Mar 21,2012 I still have not been able to access my account. My account was placed on hold by them without notifying me because I attempted to transfer money on the card from my husbands checking account (which for some reason) they didn’t recognize and froze my account. Without being notified I tried to use my card after leaving Houston and driving to Austin. The card would not work. After holding on the phone for 58 min I was told I had to fax my ID, SS, and a bill with my address on it to them. did this on Feb 12th after revieving it for a week and a half they then decided I needed to fax them a paper stating why I was depositing money on to the card… what??? so on Feb 28th I faxed that information. Two weeks later they decide I need to fax them a request to send me my funds. So again on March 13th I faxed that request. Today is March 21st I have been on hold with this company for 1 hour and 12 min to speak to someone who has no clue what is going on, I still have no money and no answers.

  • Susan

    DO NOT get an Accountnow card! I had my payroll deposited on the card on Feb 11, 2012, today is Mar 21,2012 I still have not been able to access my account. My account was placed on hold by them without notifying me because I attempted to transfer money on the card from my husbands checking account (which for some reason) they didn’t recognize and froze my account. Without being notified I tried to use my card after leaving Houston and driving to Austin. The card would not work. After holding on the phone for 58 min I was told I had to fax my ID, SS, and a bill with my address on it to them. did this on Feb 12th after revieving it for a week and a half they then decided I needed to fax them a paper stating why I was depositing money on to the card… what??? so on Feb 28th I faxed that information. Two weeks later they decide I need to fax them a request to send me my funds. So again on March 13th I faxed that request. Today is March 21st I have been on hold with this company for 1 hour and 12 min to speak to someone who has no clue what is going on, I still have no money and no answers.

  • Dallas

    AccountNow took $5500.00 of my tax money for no reason. They let me use the card for about a week and then all of a sudden, the ATM would say card invalid. Efforts to reach them failed. They asked me to fax driver license, w-2, social security card. Their advertistment says no credit check so why do they need all of this. I faxed and then they refuse to answer calls or questions. They said
    they had sent the money back to the IRS who of course says the do not have it. They bait you to
    use this card for tax refund, let you use it for a few days and take rest. I have contacted the FDIC and they informed me that they have a lot of complaints against Account Now. I filed a complaint
    with the Consumer Affairs dept and they are investigating. They took my money in February 2012. This money does not belong to them and I do not understand how they get away with it, I sent
    in every document they requested to prove identity and still no money. Why don’t they check
    identity before they send out cards. They purposely send you the card, wait for your tax check to hit and then freeze the card. Just check out all of the blogs about Account Now and you will see why people are saying not to use them. I suggest that we all put a post on facebook and get the word out to people about this scheme. If the IRS sent the money, who are they to take it, it does not belong to them. With all of the technology, they could get on skype and compare my face with the drivers license i sent them and see the card in my hand. Pass it on to keep someone else from taking a loss. It happened to four close friends also.

  • Dallas

    AccountNow took $5500.00 of my tax money for no reason. They let me use the card for about a week and then all of a sudden, the ATM would say card invalid. Efforts to reach them failed. They asked me to fax driver license, w-2, social security card. Their advertistment says no credit check so why do they need all of this. I faxed and then they refuse to answer calls or questions. They said
    they had sent the money back to the IRS who of course says the do not have it. They bait you to
    use this card for tax refund, let you use it for a few days and take rest. I have contacted the FDIC and they informed me that they have a lot of complaints against Account Now. I filed a complaint
    with the Consumer Affairs dept and they are investigating. They took my money in February 2012. This money does not belong to them and I do not understand how they get away with it, I sent
    in every document they requested to prove identity and still no money. Why don’t they check
    identity before they send out cards. They purposely send you the card, wait for your tax check to hit and then freeze the card. Just check out all of the blogs about Account Now and you will see why people are saying not to use them. I suggest that we all put a post on facebook and get the word out to people about this scheme. If the IRS sent the money, who are they to take it, it does not belong to them. With all of the technology, they could get on skype and compare my face with the drivers license i sent them and see the card in my hand. Pass it on to keep someone else from taking a loss. It happened to four close friends also.

  • meekluvsq

    your right service reps are a joke they took $77 from my account threw a western union trans and it was canceled then they didnt credit my account back then they trying to tell me it was but cant give or show me when it was. but im about to cancel with them and file a complain with FDIC and BBB.

  • meekluvsq

    your right service reps are a joke they took $77 from my account threw a western union trans and it was canceled then they didnt credit my account back then they trying to tell me it was but cant give or show me when it was. but im about to cancel with them and file a complain with FDIC and BBB.

  • Sabrina Run

    Account now is the worst debit card i have ever used . They ripped me off on all my money i had and they kept taking and taking money . They’ve robbed me for the money i had saved up for my kids and now i had to start off on a new card . All of their hidden fees is too expensive . I filed a complaint with them several times and i never get a response . Now that the monthly fees kept coming and coming i had to deactivate it . But now that i have a rush card i have my money right on track and no monthly fees or hidden fees .

  • Sabrina Run

    Account now is the worst debit card i have ever used . They ripped me off on all my money i had and they kept taking and taking money . They’ve robbed me for the money i had saved up for my kids and now i had to start off on a new card . All of their hidden fees is too expensive . I filed a complaint with them several times and i never get a response . Now that the monthly fees kept coming and coming i had to deactivate it . But now that i have a rush card i have my money right on track and no monthly fees or hidden fees .

  • Sabrina Run

    Account now is the worst debit card i have ever used . They ripped me off on all my money i had and they kept taking and taking money . They’ve robbed me for the money i had saved up for my kids and now i had to start off on a new card . All of their hidden fees is too expensive . I filed a complaint with them several times and i never get a response . Now that the monthly fees kept coming and coming i had to deactivate it . But now that i have a rush card i have my money right on track and no monthly fees or hidden fees .

  • Lauren

    I got gas the other day had about 90.00 on my card only got 15 in gas went to use the card somewehre else and it declined… I called the bank and they told me that my account had to be more than 100.00 in it or it would not have happened. some bullshit answer like that and they told me that i have to wait for the merchant to take their money before i can get my money back… so now i have to wait when i was using that money to get my car fixed i am so fucking pissed

  • Lauren

    I got gas the other day had about 90.00 on my card only got 15 in gas went to use the card somewehre else and it declined… I called the bank and they told me that my account had to be more than 100.00 in it or it would not have happened. some bullshit answer like that and they told me that i have to wait for the merchant to take their money before i can get my money back… so now i have to wait when i was using that money to get my car fixed i am so fucking pissed

  • Lauren

    I got gas the other day had about 90.00 on my card only got 15 in gas went to use the card somewehre else and it declined… I called the bank and they told me that my account had to be more than 100.00 in it or it would not have happened. some bullshit answer like that and they told me that i have to wait for the merchant to take their money before i can get my money back… so now i have to wait when i was using that money to get my car fixed i am so fucking pissed

  • Guest

    i just activated the card two months ago and never used it and it is
    sayin that i owe money and i dont know how does ANYONE know how to
    deactivate the card i already cut it up

  • Guest

    i just activated the card two months ago and never used it and it is
    sayin that i owe money and i dont know how does ANYONE know how to
    deactivate the card i already cut it up

  • Guest

    i just activated the card two months ago and never used it and it is
    sayin that i owe money and i dont know how does ANYONE know how to
    deactivate the card i already cut it up

  • http://www.facebook.com/doingwhatiwant.causeican Doingwhatiwant Causeican

    They took 5339.42 from me. I don’t understand wtf they are doing but I am in the process of finding me an attorney. Maybe we can get a major suite going against them. I wish I would’ve seen these before I got there card. They also took like 400 from my sister. Smh Ill keep yall posted.

  • http://www.facebook.com/doingwhatiwant.causeican Doingwhatiwant Causeican

    They took 5339.42 from me. I don’t understand wtf they are doing but I am in the process of finding me an attorney. Maybe we can get a major suite going against them. I wish I would’ve seen these before I got there card. They also took like 400 from my sister. Smh Ill keep yall posted.

  • http://www.facebook.com/doingwhatiwant.causeican Doingwhatiwant Causeican

    They took 5339.42 from me. I don’t understand wtf they are doing but I am in the process of finding me an attorney. Maybe we can get a major suite going against them. I wish I would’ve seen these before I got there card. They also took like 400 from my sister. Smh Ill keep yall posted.

  • http://www.facebook.com/profile.php?id=816609419 Kitwana Robinson

    I had Account now card but that don’t go at ATM or teller banker use before i tested it block at teller banker then you can’t tax rebate on Account does it’s Gamble when you sign $ 250 rebate each ? when i answer to Account ” no thank you ” cleaned my account is safe without fool .

  • http://www.facebook.com/profile.php?id=816609419 Kitwana Robinson

    I had Account now card but that don’t go at ATM or teller banker use before i tested it block at teller banker then you can’t tax rebate on Account does it’s Gamble when you sign $ 250 rebate each ? when i answer to Account ” no thank you ” cleaned my account is safe without fool .

  • Kitwana Robinson

    I had Account now card but that don’t go at ATM or teller banker use before i tested it block at teller banker then you can’t tax rebate on Account does it’s Gamble when you sign $ 250 rebate each ? when i answer to Account ” no thank you ” cleaned my account is safe without fool .

  • http://profile.yahoo.com/DXP6SOW2H2O3TYX3IEPH4XS3E4 Sue Anne R

    I would not be surprised if all the people who have had bad experiences with this card also happen to be employed by a bank! Remember, banks hate these online debit cards because they want you to open a bank account and charge you fees. Yes, online accounts charge some fees for you to be able to have some services, but I have had 4 online accounts with different cards and have never had the problems some of these people are reporting. It is true if you use your debit card at a gas station it could freeze additional money for 24 hours, so go inside and use the attendant they will check you out without freezing your money. The usual fee is $9.95 for an occasional user and $4.95 if you have a direct deposit. This is still a better option than 1 overdraft fee of $34.00, and banks will cash checks before making deposits to your account with the hopes of bouncing multiple checks. Online accounts deduct each purchase from your account in real time, not wait until the end of the day.

    • BattleOverride85

      What I don’t get is….why not just be responsible with your money/bank account? I’ve had a debit card for over seven years with no problems and no fees due to being responsible with balancing my check book. If you’re getting hit with overdraft fees…then that’s on you. When you deposit a check, it takes 24 hours for it to post…or a business day. Any bank will tell you this from the jump. It’s even posted at the teller window right at the jump. If you didn’t pay attention to that, then that’s on you. Try being a responsible adult for once. Quit blaming others when it’s your own fault.

      • mike keefe

        I’ve had all the banks and they all suck. I’ve had rush card for years no problem and account now no problems. Whatever I put in I spend. Now banks will jerk you and if you go over 10 dollars hit you with a 35 dollar fee and keep hitting you. Before you judge try it out and good for you for having a td account keep paying them 35 dollar they love you

        • BattleOverride85

          I just don’t go over. Never got hit with a 35 dollar fee at all. Been there done that with prepaid cards and I usually had to pay a reload fee and a monthly maintenance fee. But meh.

  • http://profile.yahoo.com/DXP6SOW2H2O3TYX3IEPH4XS3E4 Sue Anne R

    I would not be surprised if all the people who have had bad experiences with this card also happen to be employed by a bank! Remember, banks hate these online debit cards because they want you to open a bank account and charge you fees. Yes, online accounts charge some fees for you to be able to have some services, but I have had 4 online accounts with different cards and have never had the problems some of these people are reporting. It is true if you use your debit card at a gas station it could freeze additional money for 24 hours, so go inside and use the attendant they will check you out without freezing your money. The usual fee is $9.95 for an occasional user and $4.95 if you have a direct deposit. This is still a better option than 1 overdraft fee of $34.00, and banks will cash checks before making deposits to your account with the hopes of bouncing multiple checks. Online accounts deduct each purchase from your account in real time, not wait until the end of the day.

  • http://profile.yahoo.com/DXP6SOW2H2O3TYX3IEPH4XS3E4 Sue Anne R

    I would not be surprised if all the people who have had bad experiences with this card also happen to be employed by a bank! Remember, banks hate these online debit cards because they want you to open a bank account and charge you fees. Yes, online accounts charge some fees for you to be able to have some services, but I have had 4 online accounts with different cards and have never had the problems some of these people are reporting. It is true if you use your debit card at a gas station it could freeze additional money for 24 hours, so go inside and use the attendant they will check you out without freezing your money. The usual fee is $9.95 for an occasional user and $4.95 if you have a direct deposit. This is still a better option than 1 overdraft fee of $34.00, and banks will cash checks before making deposits to your account with the hopes of bouncing multiple checks. Online accounts deduct each purchase from your account in real time, not wait until the end of the day.

    • BattleOverride85

      What I don’t get is….why not just be responsible with your money/bank account? I’ve had a debit card for over seven years with no problems and no fees due to being responsible with balancing my check book. If you’re getting hit with overdraft fees…then that’s on you. When you deposit a check, it takes 24 hours for it to post…or a business day. Any bank will tell you this from the jump. It’s even posted at the teller window right at the jump. If you didn’t pay attention to that, then that’s on you. Try being a responsible adult for once. Quit blaming others when it’s your own fault.

      • mike keefe

        I’ve had all the banks and they all suck. I’ve had rush card for years no problem and account now no problems. Whatever I put in I spend. Now banks will jerk you and if you go over 10 dollars hit you with a 35 dollar fee and keep hitting you. Before you judge try it out and good for you for having a td account keep paying them 35 dollar they love you

        • BattleOverride85

          I just don’t go over. Never got hit with a 35 dollar fee at all. Been there done that with prepaid cards and I usually had to pay a reload fee and a monthly maintenance fee. But meh.

  • Cedric Patterson

    Accountnow is truly a ripp-off. I will definetly start a blog about this company. The company has hidden fees that are not consistent with your balance statements. If you take the time out to balance your transactions you will notice that the final balance is always different. I have started doing this with accountnow and noticed that when I keep up with my own statement I always come up short at least $20 or more dollars. Lord and behold I sat on the phone with an agent from Account now and discovered that there were fees taken from me that were not projected in the balance. After the agent and myself noticed the issue then Accountnow posted the amounts taken. They tried to cover their mistakes later by saying they were giving me a credit. Please be advise, stay away from Accountnow its a rip-off.

  • Cedric Patterson

    Accountnow is truly a ripp-off. I will definetly start a blog about this company. The company has hidden fees that are not consistent with your balance statements. If you take the time out to balance your transactions you will notice that the final balance is always different. I have started doing this with accountnow and noticed that when I keep up with my own statement I always come up short at least $20 or more dollars. Lord and behold I sat on the phone with an agent from Account now and discovered that there were fees taken from me that were not projected in the balance. After the agent and myself noticed the issue then Accountnow posted the amounts taken. They tried to cover their mistakes later by saying they were giving me a credit. Please be advise, stay away from Accountnow its a rip-off.

  • Cedric Patterson

    Accountnow is truly a ripp-off. I will definetly start a blog about this company. The company has hidden fees that are not consistent with your balance statements. If you take the time out to balance your transactions you will notice that the final balance is always different. I have started doing this with accountnow and noticed that when I keep up with my own statement I always come up short at least $20 or more dollars. Lord and behold I sat on the phone with an agent from Account now and discovered that there were fees taken from me that were not projected in the balance. After the agent and myself noticed the issue then Accountnow posted the amounts taken. They tried to cover their mistakes later by saying they were giving me a credit. Please be advise, stay away from Accountnow its a rip-off.

  • ny user

    I have had this card for over 7 years with no problems. As far as gas purchases, they totally explained in the information provided at signup that an amount would be on hold until the merchant settles their credit card accounts which, can at times, take a few days. People need to research and read what they are signing up for. Ignorance is no defense.

    • BattleOverride85

      You’ve used it for seven years? Wow…all that time and you couldn’t get a bank account with a debit card? What’s with you people? I’m only here because of some scam job ad on CL regarding Account Now and upon seeing this page I see that the job is pure bullshit.

      But seriously tho….Seven years and no bank account? I’ve had the same bank account with Commerce Bank (now TD Bank due to merger) and I haven’t had any problems at all…with the same check card even. Ignorance is no defense to you, either. Nimrod.

      • ny user

        Mr. Dimrod-
        Not that its any of your business, I like this online account for some of my direct deposit as I pay most of my bills online. I just like the account, my savings is at a local bank. I did not feel like switching my information as I like the debit account I have – dont fix what aint broken. Im happy.

        • BattleOverride85

          wow….you’re like, the first person I’ve ever met that was actually happy getting ripped off with monthly fees from a prepaid card. That’s just…..wow.

        • BattleOverride85

          wow….you’re like, the first person I’ve ever met that was actually happy getting ripped off with monthly fees from a prepaid card. That’s just…..wow.

      • ny user

        Mr. Dimrod-
        Not that its any of your business, I like this online account for some of my direct deposit as I pay most of my bills online. I just like the account, my savings is at a local bank. I did not feel like switching my information as I like the debit account I have – dont fix what aint broken. Im happy.

  • ny user

    I have had this card for over 7 years with no problems. As far as gas purchases, they totally explained in the information provided at signup that an amount would be on hold until the merchant settles their credit card accounts which, can at times, take a few days. People need to research and read what they are signing up for. Ignorance is no defense.

  • cutiegurl4472@yahoo.com

    I have my pay check direct deposited to Account Now. i tried to use the card at the gas pump and The card was charged $126 twice. It has been a whole week and I have not received my money from Account Now. If you are reading this, this means that they have gotten you toop. Don’t use the card no more and withdraw all your money. This card is a rip off.

    • Lisa Marie Rink Gibson

      Account Now tells on their website to not use the card at the pump. It mentions you will have money held out of your account. It says to only use the card inside as DEBIT to prevent any money being withheld.. You would think they would add that small print to the cards.

  • cutiegurl4472@yahoo.com

    I have my pay check direct deposited to Account Now. i tried to use the card at the gas pump and The card was charged $126 twice. It has been a whole week and I have not received my money from Account Now. If you are reading this, this means that they have gotten you toop. Don’t use the card no more and withdraw all your money. This card is a rip off.

  • cutiegurl4472@yahoo.com

    I have my pay check direct deposited to Account Now. i tried to use the card at the gas pump and The card was charged $126 twice. It has been a whole week and I have not received my money from Account Now. If you are reading this, this means that they have gotten you toop. Don’t use the card no more and withdraw all your money. This card is a rip off.

    • Lisa Marie Rink Gibson

      Account Now tells on their website to not use the card at the pump. It mentions you will have money held out of your account. It says to only use the card inside as DEBIT to prevent any money being withheld.. You would think they would add that small print to the cards.

  • recardo

    Stay away from this card total scam

  • recardo

    Stay away from this card total scam

  • recardo

    Stay away from this card total scam

  • Lindsay

    I just got an email saying I had a gold card coming in the mail, which I never signed up for. Both the automated customer service recording and the customer service representative I spoke to immediately asked for my social security number. No way in hell am I giving my personal information to a bunch of scammers.

  • Lindsay

    I just got an email saying I had a gold card coming in the mail, which I never signed up for. Both the automated customer service recording and the customer service representative I spoke to immediately asked for my social security number. No way in hell am I giving my personal information to a bunch of scammers.

  • Lindsay

    I just got an email saying I had a gold card coming in the mail, which I never signed up for. Both the automated customer service recording and the customer service representative I spoke to immediately asked for my social security number. No way in hell am I giving my personal information to a bunch of scammers.

  • Dou KnoMe

    I know of 8 different people plus myself who used Account Now for their tax refund because of the early delivery of the funds. Account Now accepted our tax returns and after about 4 days they suddenly blocked the cards. One person was in the middle of shopping when her card got blocked. They could not give an explanation as to why it was blocked only that documents were needed to confirm identity. We have sent these people our whole life documents and still no release of the funds. After they got our documents they proceeded to say they closed the account and sent the money back to the IRS and it would take 6 weeks for the IRS to get it. Mind you the IRS stated that Account Now was the 3rd recipient and they originally sent the money to University Bank. Account Now refuses to provide me with any more information. Even though they have my full identity and all of my money along with others. We are gathering other individuals who have been scammed by this company. Please email contact info to againstprepaidthieves@gmail.com.

  • Dou KnoMe

    I know of 8 different people plus myself who used Account Now for their tax refund because of the early delivery of the funds. Account Now accepted our tax returns and after about 4 days they suddenly blocked the cards. One person was in the middle of shopping when her card got blocked. They could not give an explanation as to why it was blocked only that documents were needed to confirm identity. We have sent these people our whole life documents and still no release of the funds. After they got our documents they proceeded to say they closed the account and sent the money back to the IRS and it would take 6 weeks for the IRS to get it. Mind you the IRS stated that Account Now was the 3rd recipient and they originally sent the money to University Bank. Account Now refuses to provide me with any more information. Even though they have my full identity and all of my money along with others. We are gathering other individuals who have been scammed by this company. Please email contact info to againstprepaidthieves@gmail.com.

  • Dou KnoMe

    I know of 8 different people plus myself who used Account Now for their tax refund because of the early delivery of the funds. Account Now accepted our tax returns and after about 4 days they suddenly blocked the cards. One person was in the middle of shopping when her card got blocked. They could not give an explanation as to why it was blocked only that documents were needed to confirm identity. We have sent these people our whole life documents and still no release of the funds. After they got our documents they proceeded to say they closed the account and sent the money back to the IRS and it would take 6 weeks for the IRS to get it. Mind you the IRS stated that Account Now was the 3rd recipient and they originally sent the money to University Bank. Account Now refuses to provide me with any more information. Even though they have my full identity and all of my money along with others. We are gathering other individuals who have been scammed by this company. Please email contact info to againstprepaidthieves@gmail.com.

  • Laura Colley

    Don’t never get one of these prepaid card account now is no good they rip uou off what’s 9.95 cent snd plus 4.95 you add money bad business never get this card be very careful who send you a prepaid card.bad , bad account now we want our money back you took from us $ 9.95

  • Laura Colley

    Don’t never get one of these prepaid card account now is no good they rip uou off what’s 9.95 cent snd plus 4.95 you add money bad business never get this card be very careful who send you a prepaid card.bad , bad account now we want our money back you took from us $ 9.95

  • Laura Colley

    Don’t never get one of these prepaid card account now is no good they rip uou off what’s 9.95 cent snd plus 4.95 you add money bad business never get this card be very careful who send you a prepaid card.bad , bad account now we want our money back you took from us $ 9.95

  • Sam Roberts Jr

    THank you so much folks…they sent me a”Gold” card with my name on it already…never heard of them but had me all set up….this card makes really nice gold flakes…LOL

  • Sam Roberts Jr

    THank you so much folks…they sent me a”Gold” card with my name on it already…never heard of them but had me all set up….this card makes really nice gold flakes…LOL

  • Sam Roberts Jr

    THank you so much folks…they sent me a”Gold” card with my name on it already…never heard of them but had me all set up….this card makes really nice gold flakes…LOL

  • Zachariah Lloyd

    I have had an AccountNow Gold card for some time now, and I used to need it to pay bills, but I do not use the card anymore, and have not used it in over a month, but they STILL took $9.95 from me for a monthly service fee, and put my balance on the card to negative because there was only $5 left on the account….
    I called them to cancel the account, and the card, so that they would not keep digging me a deeper hole every month, but was put on hold relentlessly during the conversation by the obviously foreign agent, which eventually led to use being disconnected while I was on hold the third time.
    I called back and FINALLY,got an agent who could actually speak clear English, and the call lasted 5 minutes. So, it all comes down to which agent you get on the phone, as to how long you will be inconvenienced. If you call, and get someone with a Middle Eastern, Asian, or Indian accent, HANG UP AND CALL BACK until you get an American, it can save you endless frustrations, and you can get what you wanted done, or better yet, CUT THE CARD UP WHEN IT ARRIVES!!

  • Zachariah Lloyd

    I have had an AccountNow Gold card for some time now, and I used to need it to pay bills, but I do not use the card anymore, and have not used it in over a month, but they STILL took $9.95 from me for a monthly service fee, and put my balance on the card to negative because there was only $5 left on the account….
    I called them to cancel the account, and the card, so that they would not keep digging me a deeper hole every month, but was put on hold relentlessly during the conversation by the obviously foreign agent, which eventually led to use being disconnected while I was on hold the third time.
    I called back and FINALLY,got an agent who could actually speak clear English, and the call lasted 5 minutes. So, it all comes down to which agent you get on the phone, as to how long you will be inconvenienced. If you call, and get someone with a Middle Eastern, Asian, or Indian accent, HANG UP AND CALL BACK until you get an American, it can save you endless frustrations, and you can get what you wanted done, or better yet, CUT THE CARD UP WHEN IT ARRIVES!!

  • Zachariah Lloyd

    I have had an AccountNow Gold card for some time now, and I used to need it to pay bills, but I do not use the card anymore, and have not used it in over a month, but they STILL took $9.95 from me for a monthly service fee, and put my balance on the card to negative because there was only $5 left on the account….
    I called them to cancel the account, and the card, so that they would not keep digging me a deeper hole every month, but was put on hold relentlessly during the conversation by the obviously foreign agent, which eventually led to use being disconnected while I was on hold the third time.
    I called back and FINALLY,got an agent who could actually speak clear English, and the call lasted 5 minutes. So, it all comes down to which agent you get on the phone, as to how long you will be inconvenienced. If you call, and get someone with a Middle Eastern, Asian, or Indian accent, HANG UP AND CALL BACK until you get an American, it can save you endless frustrations, and you can get what you wanted done, or better yet, CUT THE CARD UP WHEN IT ARRIVES!!

  • Rae Jones

    OMG!I have had an account now gold card before…they never restricted my account or suspended it until the 23rd..when i added 560…the first agent told me that need to fax in my orginal load reciept and my photo id and they would remove the restriction/suspension right away…called back and then the second agent tells me that the department that reviews those documents are not there on the weekends…thus i have to wait til Monday…ok its monday and ive called 3 different times…the first person said it was to early, the second person said it should be done by 3pm, ok the fourth person now says they didnt recieve they documents..i asked her to call that deparment and have them look for them, she refused and went thru her whole speech..i am now on hold for a supervisor..and its a 20 minute wait! Ive been without my money now since friday, my bills are going unpaid, we have no money to buy food now…im afraid they are not gonna let me get my money back, and if that happens i will lose everything. I will not be using these scammers anymore! i will be opening up a bank account very soon. i just want my money back!

  • Rae Jones

    OMG!I have had an account now gold card before…they never restricted my account or suspended it until the 23rd..when i added 560…the first agent told me that need to fax in my orginal load reciept and my photo id and they would remove the restriction/suspension right away…called back and then the second agent tells me that the department that reviews those documents are not there on the weekends…thus i have to wait til Monday…ok its monday and ive called 3 different times…the first person said it was to early, the second person said it should be done by 3pm, ok the fourth person now says they didnt recieve they documents..i asked her to call that deparment and have them look for them, she refused and went thru her whole speech..i am now on hold for a supervisor..and its a 20 minute wait! Ive been without my money now since friday, my bills are going unpaid, we have no money to buy food now…im afraid they are not gonna let me get my money back, and if that happens i will lose everything. I will not be using these scammers anymore! i will be opening up a bank account very soon. i just want my money back!

  • Rae Jones

    OMG!I have had an account now gold card before…they never restricted my account or suspended it until the 23rd..when i added 560…the first agent told me that need to fax in my orginal load reciept and my photo id and they would remove the restriction/suspension right away…called back and then the second agent tells me that the department that reviews those documents are not there on the weekends…thus i have to wait til Monday…ok its monday and ive called 3 different times…the first person said it was to early, the second person said it should be done by 3pm, ok the fourth person now says they didnt recieve they documents..i asked her to call that deparment and have them look for them, she refused and went thru her whole speech..i am now on hold for a supervisor..and its a 20 minute wait! Ive been without my money now since friday, my bills are going unpaid, we have no money to buy food now…im afraid they are not gonna let me get my money back, and if that happens i will lose everything. I will not be using these scammers anymore! i will be opening up a bank account very soon. i just want my money back!

  • stephanie

    I used my card for tax refund and account now has frozen the remainder of my funds and claimed the IRS was the one holding it. Has anyone else had this happen and how do i get my money released.

    • jamelia

      They said they sent my funds back to the irs. . But the irs said they don’t have them..

  • stephanie

    I used my card for tax refund and account now has frozen the remainder of my funds and claimed the IRS was the one holding it. Has anyone else had this happen and how do i get my money released.

  • stephanie

    I used my card for tax refund and account now has frozen the remainder of my funds and claimed the IRS was the one holding it. Has anyone else had this happen and how do i get my money released.

    • jamelia

      They said they sent my funds back to the irs. . But the irs said they don’t have them..

  • Brooke

    I love my AccountNow. I’ve been using them for more than 5 years. Just two days ago, I thought I was supposed to get paid (my payday is delayed a day when Monday falls on a holiday, and I had completely forgotten). I went to the ATM to make a withdrawal and the money wasn’t there. I won’t be getting an overdraft fee for this mistake. I’ve never had any problems with AccountNow at all.

  • Brooke

    I love my AccountNow. I’ve been using them for more than 5 years. Just two days ago, I thought I was supposed to get paid (my payday is delayed a day when Monday falls on a holiday, and I had completely forgotten). I went to the ATM to make a withdrawal and the money wasn’t there. I won’t be getting an overdraft fee for this mistake. I’ve never had any problems with AccountNow at all.

  • Brooke

    I love my AccountNow. I’ve been using them for more than 5 years. Just two days ago, I thought I was supposed to get paid (my payday is delayed a day when Monday falls on a holiday, and I had completely forgotten). I went to the ATM to make a withdrawal and the money wasn’t there. I won’t be getting an overdraft fee for this mistake. I’ve never had any problems with AccountNow at all.

  • Victory C

    Account now prepaid is a scam!!! When I applied for a account now card, they told me that they do not take out monthly services . Yesterday, I went 7 eleven to have my card reload. I put in $50. I was shocked to see my balance in the card was $40, instead of $50.
    I called up customer service and I asked the why my balance was only $40. Wow, they told me that they removed the $9.95 monthly service charge. There is also processing fee of $4. 95 every item you reload money.

    They lied!! They are scams!! In fact, I tore my account now card into pieces.

    These scammers said no hidden fees, bu there is and it is the worst card I have ever used.
    Beware never to purchase account now prepaid Visa card!! Scam!!!

  • Victory C

    Account now prepaid is a scam!!! When I applied for a account now card, they told me that they do not take out monthly services . Yesterday, I went 7 eleven to have my card reload. I put in $50. I was shocked to see my balance in the card was $40, instead of $50.
    I called up customer service and I asked the why my balance was only $40. Wow, they told me that they removed the $9.95 monthly service charge. There is also processing fee of $4. 95 every item you reload money.

    They lied!! They are scams!! In fact, I tore my account now card into pieces.

    These scammers said no hidden fees, bu there is and it is the worst card I have ever used.
    Beware never to purchase account now prepaid Visa card!! Scam!!!

  • Victory C

    Account now prepaid is a scam!!! When I applied for a account now card, they told me that they do not take out monthly services . Yesterday, I went 7 eleven to have my card reload. I put in $50. I was shocked to see my balance in the card was $40, instead of $50.
    I called up customer service and I asked the why my balance was only $40. Wow, they told me that they removed the $9.95 monthly service charge. There is also processing fee of $4. 95 every item you reload money.

    They lied!! They are scams!! In fact, I tore my account now card into pieces.

    These scammers said no hidden fees, bu there is and it is the worst card I have ever used.
    Beware never to purchase account now prepaid Visa card!! Scam!!!