READYdebit® Visa® Select Ocean Prepaid Card

We do not offer an application for this card. Check other card offers available for application.

The READYdebit Visa Select Ocean Prepaid card offers consumers the opportunity to take full control of their financial lives with seamless services and perks. We're sure you'll appreciate the simple fee structures and fast approval process. In fact, your approval is based on verifying your identity. Once you've been approved, simply load your prepaid Visa and go about the business of enjoying your day knowing you have the power of Visa backing you up. Further, with the new rules and even the proposals that are expected to be soon passed via CFPB, you can be sure your new prepaid card is already compliant. These protections have been in the works for a while, and each is designed to better protect consumers.

Wondering about the fees? After all, it's not been that long ago that prepaid cards were synonymous with extraordinary fees, unclear policies on when and how those fees changed and the absence of quality customer service. In fact, that was the primary reason many customers steered clear of these products. Those days are long gone and now, prepaid cards are the first choice of millions of consumers, not their last option. We're out to show customers just how strong these financial tools are and what they offer to card members. The prepaid Visa is a great example of what our financial products should deliver.

There are no overdraft fees, which remain problematic for Americans. According to statistics, overdraft fees accounted more than $33.8 billion in collections by American banks in 2019. This is indicative of a near $2 billion increase. You don't have to worry about those again as your Visa prepaid card eliminates those fees and ensures you never again have to pay those excessive amounts because of a small mistake.

Think of it as a better way of keeping your purchasing power in your wallet but without the security risks associated with carrying cash. Many have wondered why prepaid cards have grown so much in recent years. It's because consumers have grown tired of fee heavy banks claiming their fee structures were fair and with consumers feeling as though they had no choice. They've grown tired of frustrating and seemingly random fees and charges, a less than clear idea of what the terms and conditions were for any financial product and a lack of convenience. We've just put the power back into consumer's hands.

Many prepaid cards require minimum balances before they can be used. You don't have to worry about, either since there are no minimum balance requirements. After the minimum balance and overdraft concerns, consumers want to know they have easy access to ATMs, no matter where they are. You'll be happy to know that Visa Select card can be used at ATMs around the world. Now that you know the conveniences of owning this prepaid card, you may be asking yourself how easy it is to actually load your new Visa.

Once again, it's all about eliminating the frustrating fees. Direct deposit has quickly become the first choice for customers and employers alike. The government also prefers direct deposit for monthly payments such as Social Security, food stamps and unemployment benefits. Not only is setting up direct deposit a breeze, but you can waive your monthly maintenance fee when you direct deposit your paychecks or government payments. You can use PayPal to transfer funds, swipe reload at participating merchants, Western Union, MoneyPak and traditional check deposits. You can even have your federal income tax refunds loaded directly to your card. By installing the easy to navigate phone app, you can load your paper checks with your phone's camera. You'll also enjoy the ease and convenience of online banking. What could be easier?

You should know that you and your security is important. Your loaded funds are FDIC insured and with the latest in safety technology built into the READYdebit Visa Select Ocean Prepaid card, you'll make your financial decisions with confidence.

As you begin the approval process, and even though there's no credit check required to open an account, Visa incorporates an important safety feature and you may be asked to provide ID during the approval phase. This is to protect our customers. A few simple questions and you're enjoying the many benefits of a prepaid card. Online bill payments, online food ordering, paying your bills online or even sending your daughter who's away at college a bit of cash is fast, convenient and free.