AccountNow Prepaid Card

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Consumer Complaints and Reviews

Jeanine of Orlando, FL on
Satisfaction Rating

Please do NOT use this card. They are scam. I'm in the process of suing for $124.00 they owe me that they refuse to refund back to my account. On Dec 13th 2016 I arranged a bill payment for $124.00 for my auto loan I had. Did the bill pay option which is easier for me because I live in FL and my car loan is in PA. They claim I had put the wrong account number which was false. I confirmed the same account number with the bank which is the same account I been using for 2yrs now. I got a call from the bank on Christmas eve saying they never received my payment. Instantly I called AccountNow and they have been running me in circles since then.

I have been calling every 2-3 days since Dec 25, 2016 and they keep saying the same thing that they notified higher management and the funds will be redeposit into my account and they will be contacting me. I have heard nothing. Not only did they manage to give me a red flag on my credit for my car loan because it was drastically late, I had to pay it with car insurance money. Now my insurance was cancelled because they won't refund me back my money. You can't get nowhere with customer service and they a rip off and just a scam. Don't use them because now I have to waste more time and money to sue them to get my hard earned money back.

D. K. of Tacoma, WA on
Satisfaction Rating

On 13/19/16 I submitted a routing and checking account number provided to me by AccountNow to my payroll administrator to supply funds for a prepaid debit card I had used once by loading money. On 12/23/2016 my funds were disburse 900.00 going to the checking account number provided to me by AccountNow. Green Dot bank. My payroll administrator, Paylocity tracked to the bank and filed it as deposited. On 12/23/2016, I tried to check the balance and found that the cash was not there. After 5 calls to AccountNow, being looped through the prompting for 3 hours, I finally got to speak to a agent. I was informed that there was no record of the fund being deposited. After stating that my payroll administrator tracked and confirmed that the funds was in Green Dot bank. I was told there was nothing they could do until they got instructions from my administrator.

I asked to have the instruction outline and I would contact my payroll. They just said they needed instructions and would not say more. I explained that the account was Green Dot bank and there was no reason for my payroll to contact them. This agent just stated there was nothing she could do without instructions. When speaking with another agent, she stated they need confirmation from Green Dot. And the scam started to become apparent. I called Green Dot Bank. Not recognizing my SSI number, they would not talk to me. 15 hours later and a dozen calls, I realized my Christmas was not going to happen. Not sleeping for 2 days I went online and researched AccountNow, Green Dot and agencies to report to. Being Christmas everyone was closed. I filed a complaint to the Better Business Bureau. Hisense emails to both Green Dot and AccountNow.

On Tuesday I was told by an AccountNow representative I should not have tried to contact Green Dot. Green Dot disavow any knowledge of AccountNow. Fast forward to Friday 12/30/2016. My funds were still not available and still have not been acknowledged. So being totally frustrated I asked to have my account closed and delete it. They argued with me and would not close it initially. After they told me it was closed I asked for a confirmation to be sent to my email. I was informed that they could not do that. Totally belligerent and frustrated at this time I asked to have it sent to my phone text message. She agreed to do so, but the message was "we are sorry. We cannot comply with your wishes at this time."

I log back in and discovered my account was still not closed or deleted. It was still open and active and the funds were still not on my debit card. As a matter of fact my debit card had accrued a negative balance because they had initiated a service charge. To my surprise a brand new AccountNow prepaid debit card showed up in the mail. Downloading recording apps and encrypted business file apps I've compiled comprehensive report on both AccountNow and Green Dot. Peeling back the layers came up with corporate Green Dot email corporate AccountNow concierge email. Green Dot respond immediately and gave me two numbers to contact AccountNow but earlier in the week they disavow any knowledge of them.

As of today January 1 2017 the issue is still not resolved. I still have not received my payroll from over a week ago and I've decided to filed with the Federal Trade Commission and any other agencies that make police this type of online Internet money laundering scams. The Better Business Bureau was quite interested when I file a report with him because they have been on record since 2006.

In summary it's never good 2/2 money taken or scam from you or your identity stolen but because of the sensitive time of the year it made the situation disastrous. I offer my past experience as a testimony to the sophisticated, erudite companies preying on millions of citizens, blatantly stealing their money. NetSpend, AccountNow, Green Dot and many others are symbiotic in the pursuit of exploration of a certain economic class - Maybe circumventing the regular banking system. As of 1/1/17 I have not discovered the whereabouts of my 900.00.

Danielle of La Puente, CA on
Satisfaction Rating

We had our tax refund deposited on this card in Feb. 2016. We have yet to receive it. They had asked for verification several times and we have forwarded this to them on 4 different occasions by two different processes. They are still holding the funds claiming they cannot identify my husband's identity. Now when we call, it doesn't even go through. It automatically disconnects the call. I'm urging anyone who reads this to please join with me in starting a class action suit. Not only have my husband and I been affected, but also our friends whom we recommended this card too.

Taylor of Midlothian, VA on
Satisfaction Rating

Great customer service at Christmas time. They used to go by amount. Now it is 15 transactions and you pay 10.00 a month for this. Was out shopping and was declined and this is why. Thanks. Now that Green Dot has bought you, you can kiss my **. I am back with BBVA now, A NORMAL BANK.

Christopher of Elmwood Park, IL on
Satisfaction Rating

I have two jobs, and had both companies load my direct deposit on my Account now prepaid Visa card. On the Friday after Thanksgiving 2016, I had two direct deposits added to my account. I checked my balance in the morning, and about two hours later, I checked again, and noticed my balance dropped by over $500, and I had not left my home. I called company and found out there were two cash advances of over $500 made on my account at the same location over 30 miles from my home. I disputed these charges, and sent in the proper paperwork, and was told they cannot do anything to help me. Please stay away from this company. Customer service is in India, and they do not speak English very well, and the worst part is that they will let people steal your money. Stay away.

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Vontina of Madison, WI on
Satisfaction Rating

AccountNow is the worst prepaid card I ever use in over 30 years. I set up account with them. The lady on the other end of the phone call put the wrong name on my account. When I address this issue they told me I had to send in documents to verify my name. I jump through hoops trying to get this done for five days. I received a email from someone, somewhere stating that it was the direct deposit department fax my ID, and ss# over to later find out this wasn't account now fax number.

The company that sent me the email had my account number and email address that they only could have got from account now. They froze my account so I can't even get my money off the card. But they manage to take the $9 for the services fee. Card still frozen even after I sent my verification over to them because the department that deals with this matter only do so on weekdays.

Account now is the worst prepaid service ever. DON'T I REPEAT DON'T USE THIS SERVICE. It a waste of time. They have no idea how to run a business. They are careless with your information that you give them over the phone. They put whatever name they want on your account then make your life a living hell for their mistake. I WILL NEVER USE ACCOUNTNOW AGAIN. And I'm looking into taking legal matters on this company. They shouldn't even be able to keep doing the things they're are doing to people. This company need to be force out of business. Very anger, very unsatisfied new customers. Account now big waste of time.

Stacey of San Diego, CA on
Satisfaction Rating

I don't care if it a 1.00 to a million dollars. Who are you account now to give my money away without my ok. You will respond. I'm not calling you ** up. You fix it. I want my money back TODAY. FREE CREDIT FUN.COM SCAMMERS AND LIKE YOU COULDN'T TELL. GET MY ** MONEY NOW.

Joyce of Knoxville, TN on
Satisfaction Rating

I was with AccountNow for almost 4 years. Over those years I had my account hacked 2-3 times. The last account that I had with them, I filed a dispute and after doing so, I received a new card. A few days later they closed my account without any notification of them doing so which resulted in my bills not getting paid and late fees kept accumulating. I advise to EVERYONE not to choose to do business with AccountNow or Ready Debit, both are with the same bank. Please, do your research before you choose a prepaid card company.

Stanley of San Diego, CA on
Satisfaction Rating

Terrible service here! One cannot get anywhere with them, you cannot speak to a live representative at any time. 14 days ago... I had my Visa/Debit card number hacked. A duplicate card was made in Arizona and someone made fraudulent transactions at various Fry's stores throughout Arizona, this drained my account. I immediately canceled my two jobs direct deposits... However, AccountNow has NOT responded, nor have they refunded my money, and now my bills have gone unpaid on time, and accruing charges for late fees, they were set up on Auto-renewal. I have filed all the necessary claims: Bancorp fraud claims, Police Reports, Claim of Identity theft with the Federal Trade Commission, and with the Consumer Protection agencies... Next is the BBB.

I would like to gather information from all consumers that have had similar or the same experience with missing money through fraud while banking with Bancorp Bank using any of their Prepaid accounts. You must have had the following occur: Fraud by identity theft, stolen account numbers where you still had your card in possession. NO restitution made by Bancorp Bank. NO communication by Risk/LP departments regarding your case of Fraud. Lost funds, and with no FDIC reimbursement by Bancorp Bank.

I am in the process of building a Class Action suit against Bancorp Bank... We as consumer must fight back again Fraud and hold our Financial institutions accountable for our privacy and make them stand up for their product, its quality and security of our sensitive information. Bancorp DOES have each consumer's Address/phone numbers/Social Security numbers/Date of Births in their Archives... We run a Massive risk of being compromised and opened up to security breaches. Let's STOP this now and get our Money back... They must acknowledge. Please reach out to this site, place your excerpt and state the following: You would like to be considered on the Bancorp Class Action.

Genesia of Las Vegas, NV on
Satisfaction Rating

I filed dispute almost 2 months ago... the final review has passed. Every time I call it's the same thing - "We will have someone call you back." I call every day and they say the same thing. I called the company I disputed and they said the returned the money 2 weeks ago. You can't be transferred to the dispute department. This is ridiculous. Also didn't know I'm being charged $1.00 each charge. $2.50 fee for using my account number to pay bills. I will using different company with my direct deposit asap.

Janet of Chicago, IL on
Satisfaction Rating

I called to ask where my replacement card was since mine was set to expire next month. After 10 minutes of one automated option menu to another I evidently pressed the wrong number to what I thought would get me someone to speak to but evidently reported my card lost instead. Soon after I was notified that my card was deactivated. When I finally got someone to talk to they basically refused to help me saying there was nothing they could do which means that I cannot access my money for 5-7 days until the new card arrives... GREAT. Paycheck gets deposited and I can't access my money or pay my bills. (But yet the deposit will go through????). Oh... But I could expedite the replacement card for $25.00. DO YOURSELF A FAVOR AND DO NOT USE THIS COMPANY. If they won't help a loyal customer.

Shaunta of Detroit, MI on
Satisfaction Rating

I received my first check quickly and now this month I guess they are not issuing my check early. I watch everybody get their funds but me early. This card is a lost cause. I only had it for a month and I'm ready to switch it already. When I speak to someone over the phone all they tell me is they haven't received my deposit. Bull crap. They make it hard to even talk to the customer service dept. DO NOT GET THIS CARD. A RIP OFF. THEY SHOULD NOT ADVERTISED 2 DAYS EARLY. BS.

Dominique of Rochester, NY on
Satisfaction Rating

I would advise anyone using account now to not. They have hidden fees that they don't tell you about as well as money mysteriously disappears out of accounts. Well mine at least. When I went to speak to an actual customer service representative I was never able to. I called 9 TIMES!!! Garbage, straight garbage!!

frank of Sarasota, FL on
Satisfaction Rating

Well these guys are the absolute worst. Disgraceful customer service... Overcharge fees constantly... Lock your funds whenever they feel like because they have no security. Go to NetSpend or one of the other prepaids before using this one. AccountNow is GREEN DOT... HORRIBLE... Walmart money cards and these I would strongly recommend to STAY AWAY from. A representative even swore over the phone at me saying... "maybe you should keep good credit then **"... LMAO. Hilarious and ignorant. Don't even start to describe these scam artist cheats.

Carolyn of Huntsville, AL on
Satisfaction Rating

I been with AccountNow four years having SSI direct deposit on my card. So one day they going to put a lock on my card cause I went out of town. When I came back in town I could not get my money cause they thought someone stole my card so they going to tell me to send a verification of my address so they can know it's really me using my card. I had to pay my rent. They would not give me my money. They are crooks. Once I get my money I would never go back to them. If they don't give me my money they will be seeing me in court.

Lisa of Riverdale, GA on
Satisfaction Rating

I'd never thought I'd be the one to say this about AccountNow because I have been with them for 6 years however since they changed to an overseas call center, the service and lost of funds will have me close my account as soon as I can after the holiday. I made a deposit of $150 last month at a register using a preload card that never credited to my account. (pic shown) They would not research it all but they were quick to take their monthly fee. It is shown online but not on my card...

Today they declined two purchases even though I had well over the amount in my account. They said it's for "my security" that they blocked my account. I told them I have been a customer since 2010 when they started with no problems. Then they said I have to wait for corporate to call them back in 72 business hours!! They route calls to the Philippines so you cannot speak to anyone in the US now so they call you back. This wasn't the case when I first joined in 2010. Now I am leaving and I advise everyone else that doesn't want to have their money disappear or card blocked while at the counter to go back to traditional banking.

Christopher of Chillicothe, MO on
Satisfaction Rating

All you guys complaining about AccountNow services read the paperwork that comes with the card you requested. Looks like to me it explains everything in bold print. It tells you what it charges you for. Tells you how you can go about getting money off your card without being charged at an atm. As far as you guys getting mad about not getting paid 2 days sooner read that again. It don't guarantee that!! How the hell can you get paid 2 days sooner when your job has everything to do with it???!!! Depends on when they get the damn payroll done so quit complaining. Start reading stuff before you agree on the terms and conditions. I sure did and I haven't had 1 problem since I started using AccountNow. I LOVE IT!!!

cortney of Marengo, IN on
Satisfaction Rating

I received an AccountNow card and thought I'd give it a try. Had no issues at first until a tax return was deposited. I went to pay at the store and my card was declined. Not at all possible, they told me that I didn't notify them a deposit in that amount of money was being put in. Ummm, why would I? I'm very good at keeping track of what I spend, I figured out my bills and what I will have left. One week there should've been $188 on my card and there was $80. I listened to all my transactions and that missing $108 was nowhere, nothing had been charged too much.

I ask them and they say that they charge for every transaction that's made. So when I took money out of the ATM they charge me $3.50 for the ATM usual fee, and then $5.75. What sense does that make? At my job we have the vending machines, AccountNow charged me $3.50 when I spent an even $1 and then $1 for items that were over a $1. Again when I talk to them they tell me that this should be used as a savings account not a regular spending debit card. Oh and the best part, they tell me that my address doesn't exist, so when I moved and wanted to change my address and they said I had to fax in papers and all that. for a prepaid card? No, I'm good. I'm switching to KAIKU!

CeCelia of Sacramento, CA on
Satisfaction Rating

This has to be THE worst banking system ever!!! I banked with NetSpend for 10 years but thought I would give AccountNow a try. Been with my job for 20 years and they are regulated to post our Direct Deposits Wednesday morning and have been for 20 years. AccountNow told me my d.d. was pending Thursday at 9:00 but they told me they could not give me my money because my job hadn't released the funds which I knew to be a outright lie because I have another account which had already posted Thursday at 12:00 am. Didn't release my money until early Friday morning. Also, promised to text my balance whenever I use my card which NEVER happened. Went online to try and set up an online account but their web will not allow it. Tried for 2 days and each time the page just blanks out.

After talking to some of the reps at the company I discovered there is no manager to talk to and the first person answering the phone claimed she was the supervisor when I requested to speak to one. I think these people hold monies longer than needed so that they can get the interest off customer money. I found a Government website (Federal Reserve) called They regulate AccountNow (Green Dot Bank). I would suggest people start filing complaints against this bank so that the Feds can see how they are treating their customers. They should not be able to tell you can't get your money when it's just sitting there unless there's a reason which in my case was not. Even if nothing happens I'm filing my complaint today.

andrea of Dallas, TX on
Satisfaction Rating

I switched to AccountNow in hopes that I would get my paycheck 2 days early. I called because for the past two times my check has posted on Wednesday. This morning when I called it says I had a deposit pending and it would post today. Still no money!!! I called them and the lady said they are waiting on my employer to release it. I believe they are lying because for 3 years I have received my money on a Wednesday and now all of a sudden when I switch to y'all I get it on a Thursday even though their automated system says it will post on today. They are a joke and I will make sure everyone knows about my experience especially since their representatives don't know anything. I am definitely withdrawing all my money and changing companies as soon as it post.

Tina of Milwaukee, WI on
Satisfaction Rating

They have my account restricted. They ask for documents. I sent them and they still will not lift it. All my bills are behind car payment late and I was to leave with my children on vacation. Had to cancel. It's been a nightmare. I have over 6000 dollars of deposit that goes on this card. Been with them for 2 years and I'm closing it as soon as I can get my funds lifted!!

Michael of Elkhorn, WI on
Satisfaction Rating

I really wish I had read these reviews, before I signed up with this company! Up till now, I have never had so much trouble receiving my direct deposit than what I have had with AccountNow! Their claim that you will receive your deposit up to two days early is a joke! I have been on the phone with them 3 times, and each time I have gotten a different answer! Since early in the morning I have my pending deposit showing (but no money as of yet)! I was told that my employer hasn't released the money yet, but appears to me AccountNow has it. They have the worst customer service ever! If and when they finally deposit my money, I will definitely be changing to a different card! Their customer services is a joke, and you can't even talk to anyone in this country! I wish anyone good luck that has the misfortune of dealing with these people as I am currently doing! It is an exercise in frustration!

CJ of Sandy Springs, GA on
Satisfaction Rating

The company must dig deep in databases as they send a card to me under an alias I use for spam emails. I do not use it to apply for anything yet they sent a debit card. There is no way to speak to a live person unless you sign in and create an account which I did using phony ssn etc. There is finally a telephone number for customer no service 866-921-9889 for anyone that needs it. They said they got my info from public records - surely not. Anyway beware as if this is how they operate they cannot surely give any kind of reputable service with their card. Always be suspicious when someone asks for your ssn without providing anything first.

Tequita of East Point, GA on
Satisfaction Rating

I have been with Account Now for a while. I had a card that I loaded $500 on and they would not activate the card fully but allowed me to load funds onto the card. They closed my account and told me to send in documents to verify my identity, but after I did all of that they still didn't unlock my card. I've been calling everyday but I'm told something different every time I call. I've contacted my attorney to see what I can do because they shouldn't be able to cancel my card and hold my money.

Icesolean of Chicago, IL on
Satisfaction Rating

They put my money on the wrong card. Then when I call them, they said they mail me a new card with my money on it... How crazy is that? That's all want them to do is to put my money on the card I all really had. They can't do that. I will not ** with company no more. They're up to no good. God is going to make them pay messing people around with money. Is so ** hard to get money. You should close your business down.

HAROLD of Spring Valley, CA on
Satisfaction Rating

After having numerous problems with my former prepaid card providing company... Netspend. I chose AccountNow to have my social security benefits sent to. For the previous year, (while still with NetSpend) my 'SS' deposits were always early. Only one time in that year, a deposit was made on the actual date of said payment. Usually, my benefits were in my account.. 3 to 6 days prior to the actual payment date. Obviously social security transferred benefit payments well in advance of the actual payment date.

So far with accountnow my benefits have not been in my account until the actual date of payment. These lying, thieves hold transferred funds of their customers as long as they can. Most assuredly to accrue the interest on those funds. I'm also sure, that persons such as myself. Who need every dime of their ss benefits to cover our living expenses. Like myself, withdraw all of the money as soon as it arrives. So accountnow isn't able to collect any interest of my money. Knowing that, they simply hold the funds in their own account as long as possible. If that is not a criminal act, I don't know what is.

And we are supposed to trust people like this with our money. What's happened to this country? I would have said "our country". But unless you are wealthy and or connected. This country is just where we happen to be living (Trying to live). This type of thing has become "business as usual" and these companies will continue to cheat anyone they can anyway. They can, simply because they are connected. I'm tired. Just had to vent. Maybe someone will hear and heed.

Anton of Lenoir, NC on
Satisfaction Rating

Got the card, deposited $100 and it just keeps saying card not approved for use at this time. It's okay. These people can keep the money. Karma has you. This company sucks and I hope they go down faster than the Titanic! Screw you AccountNow. Get your own money that we work hard for. Stop living off others' prosperity!

Twanse of Compton, CA on
Satisfaction Rating

I have had my AccountNow card for a year now. Usually I load the card for online purchases. This year I decided to get my 7,500 refund deposited into the account. I start noticing funds were disappearing from my account. I tried to call but no human person. It's hard to think that I had 7500 bucks with nothing to show for it but a new sofa set. So silly me gets my paycheck deposited into this account and the stickers stole 130.00 bucks from me. Like forget you. I have kids to take care of. A teenage girl. I. So hurt because there is nothing I can do about it. I'm going to contact the media because damn.

Philista of Newport News, VA on
Satisfaction Rating

Woke up this morning checked account, $304.58 was debited out my account at a 7-11 in another city at 10:13pm. Of course I was in my bed that time of night!!! Called Accountnow was told they would block my card send me another and the amount was paid I could call back and dispute! What do you mean call back and dispute??? It clearly say authorization hold, couldn't you just not pay it?? No, the rep says I have to call them back 6 days from now and dispute. What kind of ** is that!! Don't worry Accountnow my direct deposit is going to a bank that don't enable thieves!!! Here I am driving to another city pursuing my money!!!

Shani of Augusta, GA on
Satisfaction Rating

I have been with AccountNow for a couple of years now. Recently on June 27 2016 I woke up and checked my account. I was cleared 800 gone on my bank statement. It was two transactions made from a local Walmart--one for 500 and the other for 300. The crazy part is I had my card but I always go to Walmart to transfer money... so I called and made a dispute. I called almost every day. They couldn't tell me anything. They just said "wait by the phone for a phone call." It's been about a week and a half. Today is July 7 2016 and I called and he told me my dispute has been finalized and they sent me a letter in the mail. I'm like wtf, no explanation, no information, nothing. I just lost out on 800 my rent money and my car note and I'm pissed. This is a ** company. They need to be shut down. How are they still open ripping people off? I will not ever use this company again or recommend them.

Expert Review

Barbara FriedbergPersonal Finance Contributing Editor

Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.    More about Barbara→

Founded in 2004, AccountNow is one of the most trusted brands in the alternative banking sphere. The company was a finalist in the category of Best Unbanked & Underserved Program at the 2007 and 2009 Prepaid Card Expos.

  • High deposit maximum: Consumers may add up to $10,000 per day through direct deposit and $1,500 for cash loading. Third parties may have their own limits and additional fees.
  • Cash available quickly: Direct deposits and electronic payments are usually available the same business day. Additionally, cash deposits made through money transfer services are generally available immediately.
  • How to add cash: In addition to direct deposit, money transfer services can load cash such as MoneyGram┬«, WesternUnion┬«, Visa ReadyLink and more.
  • Low monthly service fee: The fee structure is clearly explained on the company website. ATM fees range from $1.00 to $2.50. Monthly charges range from no charge to $9.95. Transaction fees range from zero to $1.00 per transaction.
  • Direct deposit bonus: There is a $15 direct deposit bonus for setting up $500 auto-deposit and meeting other conditions.
  • Refer-a-Friend program: Consumers receive a $20 cash bonus for referring a friend, and the associate receives a $10 cash bonus as well.
  • Best for It is a good alternative for those turned away from traditional banking due to banking issues. Also, it is helpful for consumers interested in depositing Social Security checks.

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AccountNow Prepaid Card Company Profile

Company Name:
AccountNow Prepaid Card
Year Founded:
P.O. Box 1966
San Ramon
Postal Code:
United States