Working Around Chex Systems
-Pre Paid Debit Cards

I have been using pre-paid debit cards for over 3 years now. I find that 3 years ago 50% of the companies I dealt with did not take credit or debit cards. Now there are very few that don't! I can't remember when I was faced with not being able to do something because I don't have a checking account. I pay 90% of my bills with the prepaid debit card.

After using them for this lenght of time I have noticed some advantages and disadvanteges between the debit card compnies.

• Sign Up Fee - the all charge some type of one time fee to sign up. Between $3 to $15
  
  
• Reload Fees - this is a big consideration, depending on which card you sign up for the reload fees varies. I swithced card simply because one wanted to charges me $3 (plus the charge the refill center may have) to put money on the card.
  
  
• Transation Fees - Another big issue. Some card will charge $1-$2 per transaction. Some will offer a monthly subscription fee ($9.95 per month) that will allow you unlimited transactions without fees. Some charge no transaction fee.
  
  
• Check Balance Fees - Another consideration is how you can chaeck your balance. By telephone could cost you a fee (.50 with some) and internent is free.
  
  
• Direct Deposit - fees Many will eleimnate all fees if you have payroll checks direct deposited in. Also this is convienient and I don't have to get my check cashed at a ripoff bank

I love Ready Banks Pre Paid plan

When you sign up for direct deposit with READY debit Select you get FREE Online Bill Pay, FREE online check writing, access to over 1 million ATMs and no overdraft fees– ever! And you won't have to worry about additional fees for making purchases and checking your balance that so many prepaid debit cards have – those can really add up. So sign up now and start getting a better deal!

100% Approval Guaranteed — Even if you've been turned away or rejected by banks you can still get a READYdebit card. We have no credit or chexsystems checks to worry about. Our only requirement is that we can validate the information you provide to us when you open your account. We do this instantly online while your application is being completed to make the sign-up process fast and easy!