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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