Specifics

• Introductory Rate: No Introductory Rate Available
• Applied Towards: None
• APR (Purchases): n/app The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): n/app There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: n/app
• Annual Fee: None
• Additional Cardholders: $0
• Grace Period: n/app
• Minimum Credit Limit: n/a
• Maximum Credit Limit: up to $10,000
• Late Payment Fee: n/app
• Over-The-Limit Fee: n/app
• Cash Advance Fee: $2 domestic ATM fee; $4.95 international ATM fee
• Balance Transfer Fee: n/app

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: n/app (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: n/app

Review

The All-Access® MasterCard® Prepaid Card, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining an unsecured credit card. This card requires the cardholder to make payments in advance, which are then used to offset future purchases made with the card. Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by account-to-account transfers via the Internet, the toll free number, or a live agent. Cardholders can also load the card through in-person retail transfers. Cardholders will have the option of choosing between the pay per transaction plan and the FeeAdvantage™ plan. The pay per transaction plan has no monthly fee, but there is a fee charged every time the cardholder makes a purchase. On the other hand, the FeeAdvantage™ plan allows cardholders to make unlimited signature and PIN purchases for a monthly fee. Depending on whether the cardholder makes signature or PIN purchases more, the FeeAdvantage™ plan may be a better option for those who plan to make more than five to ten purchases per month. This card has no account opening fee. This card offers additional services and benefits, including free wireless alerts for account information, no liability for unauthorized transactions, overdraft protection, and integrated bill payment. Cardholders will also be able to participate in the referral program that rewards them with $5 for each activated card that they refer. Therefore, those who are looking for a card where they can pay in advance for purchases, would like a card with limited fees, and plan to take advantage of the various benefits and services may find the All-Access® MasterCard® Prepaid Card to be a beneficial option. Last Modified Date: 10/30/2008 12:00:00 AM

Additional Perks

Access to the referral program that rewards cardholders with $5 for each activated card that they refer.
Lost and stolen card reporting.
Free wireless alerts available to notify cardholder of transactions and card balance.
Free online money transfer service between NetSpend accounts.
No liability for unauthorized transactions.
Gold or black card options.
Cash load up to $10,000 at over 65,000 locations.
Signature, PIN or ATM transactions accepted.
NO MONTHLY fee - ideal for occasional use.
NO credit check.
NO bank account required.
NO upfront cost to order.
NO overdraft fees.
NO minimum balances.
See website for additional benefits.
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Important Notations

**Although the opening of the account is free, there may be card fulfillment charges (i.e., shipping and handling) of up to $19.95. ***The participation fee is free if the cardholder chooses the pay per transaction plan, or cardholders can choose to pay a monthly fee of up to $9.95 for unlimited signature and PIN transactions. ****The total for first year fees does not include the card fulfillment fee, the monthly fee for the FeeAdvantage™ plan, or any transaction fees for the pay per transaction plan. $1 fee per signature purchase transaction with the pay per transaction plan. $2 fee per PIN-based purchase transaction with the pay per transaction plan. No credit checks. See website for complete terms and conditions of card usage and application disclosure.