Pre Paid Credit Cards

Quick answers to the most common questions:
Activating My Card Account Charges I Don't Recognize Checking My Balance and Charges Load Funds to my Card Using My Card Account

Other Common Questions
Direct Deposit Number Funds Availability Monthly Statements
ATM Withdrawal Limits Balance Limits Routing Number
Bill Pay FDIC Protection Spending Limits
Card Delivery Making Purchases
Credit Builder Minimum Balance
Activating My card account
Make an initial cash load to your Card Account: Click Here for a complete list of cash load options If you do not already have your permanent PrePaid MasterCard Card we will send it out as soon as your initial load has been made When your card arrives in the mail call our activation center at 866-224-0169
Once you receive your card, remember to change your Personal Identification Number (PIN) to something only you know

Direct Deposit Number
Click https://my.accountnow.net

Sign in to your card account
Click Quick Start for your personalized Direct Deposit Form
Sign the form and give it to your employer (Direct Deposit Number is in this section)

ATM Withdrawal Limits
You can withdraw up to $300 per day. There may be a fee for both domestic and international ATM withdrawals (see fee schedule). In addition, each individual ATM location may impose an additional surcharge.

Qualifying customers who use Direct Deposit may request an increase of this daily limit to $500.


Bill Pay
What is AccountNow Bill Pay? AccountNow Bill Pay comes Free (up to 7 bill pays per month) with your AccountNow Vantage Prepaid MasterCard. With AccountNow Bill Pay, you can pay all your bills online or over the phone from the comfort of your own home. You can do a one-time payment or schedule recurring payments to anyone in the US or its territories. For more details, please visit www.accountnow.net and click on "Online Bill Pay". How do I use AccountNow Bill Pay?
Simply sign in to your card account at https://my.accountnow.net and click on Pay Anyone Bill Pay to get started. You can manage all of your bills on-line. If you have any problems please call us at 866-925-2036.

Can I pay all my bills using AccountNow Bill Pay?
Yes, you can make a payment to anyone (company, institution, or person) located in the United States, US territory (Guam, Puerto Rico, Virgin Islands), and US military bases using AccountNow Bill Pay. For more details, please visit Pay Anyone Bill Pay after you sign in to your card account at www.accountnow.net.

How much does AccountNow Bill Pay cost?
AccountNow Bill Pay is FREE of charge for the first 7 monthly transactions. Thereafter, the charge is only $1 per additional payment.



Charges I Don't Recognize
Some merchants place a hold on your funds in an amount higher then the actual service. This does not mean they are charging you more. These holds will fall off the card automatically in approximately 5 business days from the date of service, or as soon as the merchant releases the pending hold.

If there is no charge on your card yet: Please give the merchant time to process the charge and release the funds. This usually takes 5 days.
If the actual charge has posted to your card and there is still a hold on your funds: The temporary hold will usually come off your card in approximately 5 days.

Checking My Balance and Charges
On the internet: You can check card account balances and transactions anytime by visiting us at www.accountnow.net and clicking "LOGIN".
On the phone: Call our automated system anytime at 800-710-4802.
At an ATM: You may check your card account balance at any ATM machine. Please note that there is a fee when using this option. Please refer to your Terms & Conditions.

Loading funds to my card
For a complete list of cash load options:

Click https://my.accountnow.net/
Click QuickStart
Sign in to your card account
View a complete list of cash load options and instructions
Direct Deposits


Click https://my.accountnow.net/
Click QuickStart
Sign in to your card Account
Click Quick Start for your personalized Direct Deposit Form
Sign the form and give it to your employer
MoneyGram Deposits



Prepaid MasterCard Card
Once you have received your Prepaid MasterCard Card, you can make purchases everywhere MasterCard debit cards are accepted. You can also use any ATM listed above or one of the 1,000,000 ATMs world wide.
http://www.mastercard.com/us/personal/en/cardholderservices/atmlocations/index.html to find the closest MasterCard ATM.

Card Delivery
Your card will be delivered 5-7 business days after you complete your enrollment form. Replacement Cards will be delivered 5-7 business days after your request for the replacement. You may request to have your card expedited for a fee (see Terms & Conditions) and it will be delivered in 3 business days. Please refer to your Terms & Conditions for limit & fees.

Credit Builder
Credit Builder is an optional service that is made available to you at no additional cost as part of the AccountNow bill payment service. Credit Builder is only a service that provides your payment history to credit reporting agencies. If you would like to sign up for Free Credit Builder please Click Here.


Balance Limits
You can load funds to your AccountNow Vantage Prepaid MasterCard at any time. However, your initial load must be enough to cover any set-up fees (See your Terms & Conditions if you are unsure of this amount). There is no limit on the number of times you can load funds to your AccountNow Vantage Prepaid MasterCard but there is a limit of five loads per day (not to exceed a daily total load of $5,000). The maximum balance you can have in your AccountNow Vantage Prepaid MasterCard is restricted to $10,000. Load made through MoneyGram can not exceed $999.00 a day.


FDIC Protection
Your money's safe. Backed by the Federal Deposit Insurance Corporation (FDIC), an independent agency of the United States Government, you're protected against the loss of your funds.


Making Purchases
If the merchant gives you the option to select "debit" or "credit", you're free to choose either. If you choose "debit", you'll be asked to enter your PIN to authorize the transaction. Choosing "credit" typically requires your signature. If you make a purchase online or over the phone, just enter your card number and expiration date. Some online merchants may require you to verify your transaction by entering the 3-digit security code found on the back of your card. Typically, it is the last 3 digits of the number appearing on the signature panel.


Minimum Balance
No. You don't have to keep a minimum balance on your AccountNow Vantage Prepaid MasterCard. But it is important to keep sufficient funds available at all times to cover any scheduled bill payments as well as any applicable fees.


Monthly Statements
You will receive monthly online statements free of charge. You may also sign up for monthly paper statements online at www.accountnow.net when you view your card account information. Please note that there is a monthly fee for this request. Refer to your Terms & Conditions. Replacement paper statements may also be provided upon request. Please note that there is a service fee for this request. Please refer to your Terms & Conditions.

Routing Number
Click https://my.accountnow.net

Your daily spending limit with your AccountNow Vantage Prepaid MasterCard is $2,500 for cash and purchases combined ($1,000 for PIN-based transactions and $1,500 for Signature-based purchase transactions). Bill Pay transactions do not count towards your daily spending limit. For example, you can make a total of $2,500 in purchases and a $1,000 Bill Payment (total $3,500) without exceeding your daily spending limit.