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. 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 $0.00
Reload fee via direct deposit $0.00
ATM withdrawal fee (issuer’s ATM) $1.95
Nonissuer’s ATM withdrawal fee, not including any bank fees $1.95
ATM balance inquiry $0.99
Fees for point-of-sale transaction $0.00
Fees for signature transaction $0.00
Paper statement fee N/A
Paper statement at ATM N/A
Bill payment fee $0.00
Fee for customer service by phone $2.00
Declined transaction fee Zero at POS; $2.00 at ATM
Inactivity fee $0.00
Notes: The monthly fee is $0.99 per month with $500 monthly load. With Premium Plan, when you call to speak to a customer service representative, the fee is waived.

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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