Bankrate’s 2015 Prepaid Debit Card Survey offers a rundown of the card’s many variables, including fees, restrictions and factors that may affect a consumer’s decision in choosing a prepaid debit card. The AccountNow Prepaid MasterCard (by MetaBank) comes with no monthly maintenance fee, but has a $4.95 card activation fee.

AccountNow Prepaid MasterCard (by MetaBank)

Are funds FDIC-insured? Yes
Monthly maintenance fee $0
Can the monthly fee be avoided? N/A
Card activation fee $4.95
Reload fee via direct deposit $0
ATM withdrawal fee (issuer’s ATM) $2.50
Nonissuer’s ATM withdrawal fee, not including any bank fees $2.50
ATM balance inquiry $1.50
Fees for point-of-sale transaction  $1
Fees for signature transaction $1
Paper statement fee $1
Paper statement at ATM N/A
Bill payment fee $0
Fee for customer service by phone $0
Declined transaction fee $1 at ATM; $0 for declined purchases
Purchase overdraft available? No
Cost of purchase overdraft N/A
Inactivity fee $0

Bankrate.com surveyed 31 prepaid debit card offers Feb. 2-10, 2015. These are the resulting fees, restrictions and other card provisions.

More From Bankrate