Bankrate’s 2014 Prepaid Debit Cards 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 Moneygram AccountNow Prepaid Visa Debit Card (by MetaBank) comes with a hefty $9.95 monthly maintenance fee as well as $4.95 card activation fee.

Moneygram AccountNow Prepaid Visa Debit Card (by MetaBank)

Are funds FDIC-insured? Yes
Monthly maintenance fee $9.95
Can the monthly fee be avoided? Yes
Card activation fee $4.95
Reload fee via direct deposit $0.00
ATM withdrawal fee (issuer’s ATM) $2.50
Nonissuer’s ATM withdrawal fee, not including any bank fees $2.50
ATM balance inquiry $1.00
Fees for point-of-sale transaction $0.00
Fees for signature transaction $0.00
Paper statement fee $2.95
Paper statement at ATM N/A
Bill payment fee $0.00
Fee for customer service by phone $1.00
Declined transaction fee $0.40
Inactivity fee $0.00
Notes: One free live agent call per month, then $1 each (waived with direct deposit). Monthly maintenance fee is waived when $2,500 per month is loaded onto the card. The monthly fee will continue to be applied for three to four months of inactivity, then account will likely be closed on a case-by-case basis.

Bankrate.com surveyed 24 prepaid debit card offers from Feb. 12-19, 2014. These are the resulting fees, restrictions and other card provisions.

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