UPside Visa Prepaid Card (Access Plan)

How We Rated the UPside Visa Prepaid Debit Card - Access Plan

Card Features Fees Disclosure Clarity BBB Rating Load Options Overall Rating

Rating Explanation UPside Visa Prepaid Debit Card - Access Plan 4 GetDebit.com Editor The UPside Visa line of prepaid cards has excellent features (including rewards and personal check writing programs), very high customer service ratings by the Better Business Bureau, (Plastyc, Inc.) and competitive fees. A Free Activation Fee and no purchase transaction fees make this a great card for heavy users. A monthly direct deposit is NOT required for this card, but a monthly load is required to get some of the best pricing. There are only two reasons that this card hasn't received the highest marks. There are other prepaid cards with a lower fee structure and better fee disclosure. All UPside plan versions are a little hard to decipher when comparing them with one another. Carefully read all terms carefully before deciding which plan to choose. The UPside Visa line of prepaid cards has excellent features (including rewards and personal check writing programs), very high customer service ratings by the Better Business Bureau, (Plastyc, Inc.) and competitive fees. A Free Activation Fee and no purchase transaction fees make this a great card for heavy users. A monthly direct deposit is NOT required for this card, but a monthly load is required to get some of the best pricing. There are only two reasons that this card hasn't received the highest marks. There are other prepaid cards with a lower fee structure and better fee disclosure. All UPside plan versions are a little hard to decipher when comparing them with one another. Carefully read all terms carefully before deciding which plan to choose.

UPside Visa Prepaid Debit Card - Access Plan Fee Examples

Want to know how much the UPside Visa Prepaid Debit Card - Access Plan might cost you to use in a typical month? We have crunched the numbers for you! We also show how UPside Visa Prepaid Debit Card - Access Planstacks up against some common alternatives so you can see if you would save money using this card. Please remember -- cost should NOT be the only reason why you pick a card -- make sure to consider the card's features (some cards have more features than a typical bank account).

To see different scenarios, change the following variables.

	Number of transactions each month	UPside Visa Prepaid Debit Card - Access Plan	Bank of America "Regular" Checking	Check Cashing Store
Monthly Fee	Once per month	$	$	$
Cash paycheck (per month)	$	$	$	$*
ATM Withdrawals	0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$	$	$
Bill Payments	0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$	$	$
Online Purchases	0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$	$	N/A
In-Store Purchases***	0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	$	$	N/A
Overdrafts:****	0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20		$	$
Total		$	$	$

Note: * Based on a U.S. Average check cashing rate of 4.54% (per the Brookings Institution),
**Using the Money Order fees from the U.S. Post Office (Some of the lowest available),
*** We assume that 1/2 of your in-store purchases will be made using your PIN,
****A LARGE portion of Americans experience at least 1 overdraft each Month. Also note that the Check Casher CANNOT buy items online, and must use cash for all purchases.

Fees Associated With The UPside Visa Prepaid Debit Card - Access Plan*

Activation Fee:	$0.00	Card Limit:	$2000
Monthly Fee:	$2.99	ATM Withdrawal:**	$1.49
Signature Transactions:***	$0.00	ATM Balance Inquiry:	$0.99
PIN Transactions:***	$0.00	Bill Payments:	$0.00

The fee structure for the UPside Visa prepaid card Access Plan card is loaded with features and benefits. Zero Activation Fee, low Monthly Fee one FREE Bill Pay and FREE purchase transactions with $500 monthly load and $60 monthly spending.

Notes:
* Fees verified as of 02/09/2011. Check the Current Terms & Conditions for a list of all the fees.
** Some ATM operators may charge a fee for use of their ATMs in addition to this fee.
*** To use your UPside Visa Prepaid Debit Card - Access Plan in a "signature" transaction, select "Credit" when checking out at a brick and mortar merchant. Most internet transactions are automatically processed as "signature" transactions.

UPside Visa Prepaid Debit Card - Access Plan Card Options

There are three additional options with the UPside Visa prepaid card besides the Access Plan - the Life Plan, the Clear Plan and the Edge Plan. Since fee structures are different for each plan, you will need to read the Fee Schedule and Terms and Conditions pages carefully for each card to find out which is best for your needs. You also have five card designs to choose from.

Here are GetDebit’s “Low Fee Tips” for this Card

When carefully used, prepaid debit cards like the UPside Visa Access Plan have fees that can easily be avoided.

Tips for Using The UPside Visa Prepaid Card (Access Plan)

• How to Load Money on a PayPower Prepaid Card
• Can I Get a Secondary Card on a Prepaid Debit Card Account?
• How to Dispute a Debit Card Charge
• Loading Funds on your Prepaid Card Using the Visa ReadyLink Network
• How to Load Money Onto an UPSide Visa Card