Account Now is a prepaid credit card program that allows you to get a Visa or Mastercard where you can deposit money onto your card and then use your card to pay bills, make purchases and withdraw cash. Account Now offers guaranteed approval, regardless of your credit history. Credit is not checked. You are guaranteed to be approved even if you are in chexsystems, have file for bankruptcy or have no consumer credit history.

The card issued to you (Visa or Mastercard) also allows you to write physical checks from your account and to make online bill payments. To write checks you simply go online and fill in the details of a company or person you want to write a check to. Account Now will then sent a real physical check in the mail to the business or person you specified. No more mailing envelopes with checks!

It really works just like a checking account. You can also have your pay check direct deposited into your Account Now card and use it to make cash withdrawals and purchases as you regularly would with a check card. You can even have your tax refund deposited into your Account Now account.

The first seven checks each month are totally free. Then there is a small fee of $1.00 for each additional check. But do you really need more than seven in one month. These days most places accept Visa or Mastercard payments.

One great benefit that makes this prepaid credit truly special is the included credit builder service. This service will help you improve your credit by reporting positive payments to the credit reporting agencies. This is a great way to build positive payment history and boost your credit score.

To deposit money (if you do not opt for direct deposit) you can visit any GreenDot retailer (Wal-Mart, Kroger, Walgreens, CVS) and purchase a green dot “money pack”. When you call 1-800-GreenDot begin_of_the_skype_highlighting              1-800-GreenDot      end_of_the_skype_highlighting and enter your card number your Account Now card will be reloaded with those funds from the money pack. It really is easy. Certainly easier than standing in a huge line at the bank.

So what if your card is stolen you ask? This credit card offers zero liability because if you lose your card, have it stolen, or it is used to make unauthorized purchases you will not have to pay for these and you will receive a full refund for those transactions.

The Account Now program offers the best prepaid credit cards available. It works just like a checking account and you get free bill pay, free credit builder and free activation. In some ways, I think I prefer this to a checking account that will charge a $35 overdraft fee on a whim.

Learn more here: Official Account Now website