Vision Premier Visa Prepaid Debit Card (Without Direct Deposit)

How We Rated the Vision Premier Visa without direct deposit

Card Features Fees Disclosure Clarity BBB Rating Load Options Overall Rating

Rating Explanation Vision Premier Visa without direct deposit 4 GetDebit.com Editor The Vision Premier pre paid debit Visa card with no direct deposit gets high scores for it's features (it has a lot of features -- free bill pay, free roadside assistance, %1 cash back on purchases, etc.) and for numerous load options. Also, Precash, Inc., the company behind the Vision Premier Prepaid Visa, is very highly rated by the Better Business Bureau (that means they are serious about responding to consumer issues and complaints). The only reasons why this card isn't rated higher is because the fees are a little more costly than some other cards out there. However, if you need extra features, we think the fees on the Vision Premier Prepaid Visa without Direct Deposit is in the ball park. If you like to take advantage of a card with many features, and understand that those features come with an additional cost, the Vision Premier Card without direct deposit may be for you. The Vision Premier pre paid debit Visa card with no direct deposit gets high scores for it's features (it has a lot of features -- free bill pay, free roadside assistance, %1 cash back on purchases, etc.) and for numerous load options. Also, Precash, Inc., the company behind the Vision Premier Prepaid Visa, is very highly rated by the Better Business Bureau (that means they are serious about responding to consumer issues and complaints). The only reasons why this card isn't rated higher is because the fees are a little more costly than some other cards out there. However, if you need extra features, we think the fees on the Vision Premier Prepaid Visa without Direct Deposit is in the ball park. If you like to take advantage of a card with many features, and understand that those features come with an additional cost, the Vision Premier Card without direct deposit may be for you.

Vision Premier Visa without direct deposit Fee Examples

Want to know how much the Vision Premier Visa without direct deposit might cost you to use in a typical month? We have crunched the numbers for you! We also show how Vision Premier Visa without direct depositstacks 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	Vision Premier Visa without direct deposit	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 Vision Premier Visa without direct deposit*

Activation Fee:	$9.95	Card Limit:	$2500
Monthly Fee:	$9.95	ATM Withdrawal:**	$2.50
Signature Transactions:***	$0.00	ATM Balance Inquiry:	$0.00
PIN Transactions:***	$0.00	Bill Payments:	$0.00

The Vision Premier Visa Card has 4 fees you need to be aware of - activation fee, monthly maintenance fee, ATM withdrawal fee and a per call customer service charge (after 30 days of initial free service). If you can, upgrade to direct deposit with this card to get the most benefit by avoiding a higher monthly fee.

Notes:
* Fees verified as of 11/15/2011. 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 Vision Premier Visa without direct deposit in a "signature" transaction, select "Credit" when checking out at a brick and mortar merchant. Most internet transactions are automatically processed as "signature" transactions.

Vision Premier Visa without direct deposit Card Options

The Vision premier prepaid card comes in one design with either direct deposit or without direct deposit.

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

If possible, you might want to upgrade to direct deposit to save on your monthly fee. Here are a few tips to minimize your costs associated with the Vision Premier Debit Visa Card.

• First reduce the number of ATM withdrawals you make. When you need over a hundred dollars in cash for the week, take that whole amount in one ATM withdrawal (assuming you have enough funds in the account!). Don't withdraw $20 or $40 at a time (the fees add up FAST).
• Take advantage of some of the free features like online bill pay, roadside assistance and 1% cash back on purchases.

Tips for Using The Vision Premier Visa Prepaid Debit Card (Without Direct Deposit)

• How to Dispute a Debit Card Charge
• How to Load Money onto a Vision Premier Card
• Can I Get a Secondary Card on a Prepaid Debit Card Account?
• Lost or Stolen Visa Debit Card?
• Why Do I Need to Provide a Social Security Number to Get a Prepaid Debit Card?