All-Access® MasterCard® Prepaid Card

There are many individuals who have trouble securing a standard unsecured credit card for various reasons. For some, the answer is a stored value card. The All-Access® MasterCard® Prepaid Card, issued by MetaBank, is one such card.

Advance payments can be initiated via direct deposit from the cardholder's paycheck, and automatically loaded onto the card with every pay period. The process to sign up for this is quite simple and free of charge. This method puts the cardholder in control by allowing them to choose how much money to add, and setting up an automatic method for saving funds onto the card. Additionally, the card can be funded 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. Whatever the amount, it is good to know that this prepaid card requires no minimum balance.

Cardholders have two separate options to choose from when accepting the cards associated fees. The first option, is the pay per transaction plan, which has no monthly fee but a fee charged with every purchase. In contrast, the second option is the FeeAdvantage® plan, allowing the cardholders to make unlimited signature and PIN purchases for a set monthly fee of $9.95. Depending upon your needs or usage, either plan might be more beneficial than the other.

What's even more unique about this stored value card is that there is no fee for simply opening an account, nor are there bounced checks or overdraft fees. In contrast, it is important to consider that the card may require what they define as "fulfillment charges". These charges might include shipping and handling on the card's delivery for example, and may total up to $19.95.

While it is common for most stored value cards to lack much in the way of perks, this particular card offers free wireless alerts for account information such as recent transactions and card balances, zero liability for unauthorized transactions, overdraft protection, and integrated bill payment. There is also a referral program, which rewards a person $5 for each card activated through one of their referrals.

So if you are in need of a stored value card that can help re-build your credit, allows the flexibility to pay in advance for purchases, enjoy the prospect of limited fees along with various benefits and services, then you may find the All-Access® MasterCard® Prepaid Card to be the best option for you.