This is a prepaid debit card and is designed for individuals without a checking account. They will provide you with free direct deposit. You can use this with paychecks and benefits checks.
All you have to do is turn a form into your employer or benefits provider. This will typically give you access to your funds 24-48 hours earlier. You don’t have to visit a bank or do anything and your money is there.
There is no credit check or chexsystems bank check required for approval. In today’s economy it is almost a requirement to have access to a major Visa or MasterCard.
Without one you just don’t have the same purchasing power. This prepaid MasterCard is accepted over the phone and online.
You can use it to rent a car, reserve a hotel room, book airfare, pay your bills, buy your gas at the pump without going inside and waiting in line …
It is also safer than carrying a wad of cash around as it will provide you with a zero liability policy, this means if your card is lost or stolen your money is still safe.
Adding Cash To Your Achieve Card
The most common method to load money is using free direct deposit with your prepaid debit card. You can also load money at thousands of retailers nationwide including: Walgreens, Walmart, CVS, Smiths, Longs …
Bill Pay Center
You will also be given access to a free bill pay center in your online account. This is a convenient and free way to pay your bills, instead of having to purchase money orders.
What About Fees and Overdraft Charges on the Achieve Prepaid Card?
You will never be charged an overdraft charge. You will never face a late payment fee or over the balance charge. There are some minimal fees such as $9.95 a month, and a $2 ATM fee. This ATM fee can be avoid by asking for “cash back” at the grocery store.
These fees pale in comparison to your other options as an unsecured card is going to charge an annual fee, a monthly maintenance fee, and astronomical interest rates. A secured card is going to require you to make a large upfront deposit, pay interest, and an annual fee.
Keep in mind you can repair a bad credit history. You don’t just have to live with a bad score. You will be approved for this card as long as you have a valid US address and valid social security number.
It can really ease the burden and save you money on check cashing fees and purchasing money orders. If you currently don’t have a major card, stop living like a second class citizen and get the purchasing power you deserve with an Achieve MasterCard.