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The Americas Card by First California Bank

Debit Cards » Best Prepaid Debit Cards » The Americas Card by First California Bank

To use The Americas Card, you must direct deposit your paycheck. There's no cost for an ATM inquiry for the first five months, but 49-cent point-of-sale transaction fees can add up. Bankrate's 2013 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 Americas Card (by First California Bank)

Are funds FDIC-insured?Yes
Monthly maintenance fee$0.00
Can the monthly fee be avoided?N/A
Card activation fee$0.00
ATM withdrawal fee (issuer's ATM)$2.75
Nonissuer's ATM withdrawal fee, not including any bank fees$2.75
ATM balance inquiry$0.50
Fees for point-of-sale transaction$0.49
Fees for signature transaction$0.00
Paper statement fee$2.50
Fee for customer service by phone$0.00
Declined transaction fee$0.25
Inactivity fee$3.00 per month after 90 days of inactivity
Notes: Must have payroll direct deposit. Load fees at retailers vary. ATM balance-inquiry fees waived for first five months. No charge for ATM withdrawals at Allpoint and Star ATMs. It carries a $0.99 bill-payment fee.

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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