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AccountNow Gold Prepaid Debit Card Review

Feb. 20, 2018
Banking, Prepaid Debit Cards
NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money.
We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

NerdWallet rating: 3.5/5.0

Where AccountNow Gold Prepaid shines:

  • Pays a one-time $15 bonus if you have $500 in direct deposits for two consecutive months

Where AccountNow Gold Prepaid falls short:

  • Steep $9.95 monthly fee that can’t be waived
  • Fees of up to $4.95 to reload funds at a retail location
  • $2.50 ATM withdrawal fee, plus any ATM operator fee
  • Withdrawing via bank teller means a charge of 3% of the amount withdrawn

Where AccountNow Gold Prepaid shines:

  • Pays a one-time $15 bonus if you have $500 in direct deposits for two consecutive months

Where AccountNow Gold Prepaid falls short:

  • Steep $9.95 monthly fee that can’t be waived
  • Fees of up to $4.95 to reload funds at a retail location
  • $2.50 ATM withdrawal fee, plus any ATM operator fee
  • Withdrawing via bank teller means a charge of 3% of the amount withdrawn

Where AccountNow Gold Prepaid shines:

  • Pays a one-time $15 bonus if you have $500 in direct deposits for two consecutive months

Where AccountNow Gold Prepaid falls short:

  • Steep $9.95 monthly fee that can’t be waived
  • Fees of up to $4.95 to reload funds at a retail location
  • $2.50 ATM withdrawal fee, plus any ATM operator fee
  • Withdrawing via bank teller means a charge of 3% of the amount withdrawn

 

The bottom line


AccountNow

at AccountNow

The AccountNow Gold prepaid debit card has a high monthly sticker price in exchange for standard services you could get for free with a checking account. There are no additional charges to pay bills online, however, and no extra fees for direct deposit, checking your balance online or to get cash back from a retail location. There are extra charges — on top of the monthly fee — to load cash on your card and make ATM withdrawals. If you’re able to put your money in a more traditional account, you could find cheaper alternatives on NerdWallet’s list of best checking accounts.

Best if: You require direct deposit but don’t want a checking account.

» If you want a regular checking account but can’t get one due to poor banking history, check out our list of second chance checking accounts.

Updated Feb. 16, 2018.


Ratings methodology

NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, customer experience and overdraft fees.

Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation.

The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.

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