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. With the UPside Visa Prepaid Card, Classic plan (by MetaBank), the monthly maintenance fee can be reduced if certain conditions are met.

UPside Visa Prepaid Card, Classic plan (by MetaBank)

Are funds FDIC-insured? Yes
Monthly maintenance fee $4.95 if loading less than $500; $0.99 if loading more than $500
Can the monthly fee be avoided? No
Card activation fee $0
Reload fee via direct deposit $0
ATM withdrawal fee (issuer’s ATM) $0
Nonissuer’s ATM withdrawal fee, not including any bank fees $1.95
ATM balance inquiry $0.99
Fees for point-of-sale transaction  $0
Fees for signature transaction $0
Paper statement fee N/A
Paper statement at ATM N/A
Bill payment fee $0
Fee for customer service by phone $2
Declined transaction fee $0 at POS; $2 at ATM
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.

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