The U.S. Bank Convenient Cash Card has a relatively low monthly maintenance fee at $3, and you can access your money via U.S. Bank ATMs and branches. 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.

U.S. Bank Convenient Cash Card

Are funds FDIC-insured? Yes
Monthly maintenance fee $3.00
Can the monthly fee be avoided? No
Card activation fee $3.00
ATM withdrawal fee (issuer’s ATM) $0.00
Nonissuer’s ATM withdrawal fee, not including any bank fees $2.00
ATM balance inquiry $0.00 at U.S. Bank ATMs, $1.00 at non-U.S. Bank ATMs
Fees for point-of-sale transaction $0.00
Fees for signature transaction $0.00
Paper statement fee $3.00
Fee for customer service by phone Two free per month, then $2.00
Declined transaction fee $0.00
Inactivity fee $0.00
Notes: Free loads at U.S. Bank locations.

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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