• Fees are minimal and straight forward.  No surprises or hidden charges.  In fact, even the monthly service charges can be waived with a small monthly deposit.        

• Unparalleled access to the MasterCard and MoneyPak networks, meaning more flexibility and purchasing power, worldwide.

• Free and easy direct deposit setup makes waiting for checks to clear a thing of the past while eliminating hundreds of dollars in check cashing fees each year.

Prepaid debit cards are becomingly increasingly popular among consumers, especially those who do not have a bank account or credit card.  Since there is no credit check or enrollment requirements, there is guaranteed approval, and the easy to use online registration process only takes a couple of minutes to complete.

As soon as the registration process is finished, your card is issued along with a direct deposit form.  When you receive the items in the mail a few days later, fill out the form and turn it into your employer.  This way, you can avoid paying load fees when you want to deposit money into your account. 

Because direct deposit is free, it is easy to set up and in no time flat, you can have better, faster and more convenient access to your paycheck.  No more standing in line and paying check cashing fees, or waiting for it to clear because your pay is automatically deposited and available on pay day.

As long as funds are available in your account, using the Horizon Bank SSB YAP MasterCard Prepaid Card is not that different than using a debit or credit card from a bank.  The only difference is that you cannot exceed your balance so you don't have to ever worry about paying overdraft fees.  Additionally, there is no interest or monthly payments to deal with as in the case with secured credit cards.  These are perfect for those with less than stellar credit that want to enjoy the convenience of plastic powered by MasterCard.

Another interesting feature that is offered is the ability to manage your account by text messaging.  Any SMS capable device can be your instant portal to transferring money, checking your balance or even making a payment.

If you use direct deposit and you can deposit more than $500.00 per month, then they will also waive the monthly service fee.  This means that you can have a MasterCard debit card for little or no cost to you.  Unlike banks and credit card companies that charge fees for everything, there are no hidden fees or surprise penalties to worry about. 

The website is easy to use and full of relevant information that can help you decide if this is the best debit card for you.  A full list of fees, benefits and limitations are readily available to view as soon as you visit.  This is one of the easiest and straightforward prepaid debit card companies out there today, and knowing exactly what to expect takes a lot of the irritation out managing your money.

Even without direct deposit, it is easy to load money onto your account.  Powered by MoneyPak, one of the leading providers of reloads, you can tap into one of the largest retail networks world wide, making it easy and convenient to find a nearby location.  The packs usually cost less than $5.00 that is charged in addition to the amount you want to load.  Simply take the card to the cashier with your money and in seconds you are good to go.  Easy, safe, secure and simple makes getting a prepaid MasterCard a better option than traditional banking, but you still get many of the great benefits.

You can use your debit card for purchases anywhere that MasterCard is accepted, including hotels and car rental agencies.  Keep in mind that they may hold a percentage of funds greater than the cost of the rental or room, but you will get that soon after the charges clear.  Other than that, there is virtually no difference between using the Horizon Bank SSB YAP MasterCard Prepaid Card and other credit or debit cards.

The only difference you will notice is that you have more freedom and flexibility with prepaid debit cards.  Because you can only spend what you have in your account, you never have to worry about overdrawing or going over your credit limit.  Additionally there are no annual fees associated with using the card.  Combine that with the fact that you don't have to pay interest and you have the world at your fingertips with very few drawbacks.

Budgeting is also easier with the card, and you can always check your balance either online, by phone, or by text 24 hours a day, 7 days a week.  There has never been an easier way to manage money while getting the benefits of having a MasterCard debit card.

One valuable tool available to all customers is to enroll in online bill pay.  This allows you to set up regularly scheduled payments each month, which can eliminate a lot of the stress of keeping things organized. The freedom from having to write checks and mail bills individually means having greater control of your finances while avoiding late charges and lost mail.

Combine that with the fact you can send money from your account to anywhere in the United States by a simple text message makes signing up too good to be true.  There are few prepaid debit card companies that offer this service, and this is one of the things that makes these guys stand out from the rest.

The convenience and ease of registration online means that in a matter of five minutes you can be enrolled in one of the most powerful and user friendly prepaid debit card companies in business today.  Check out their website and you can find all the information you need without any hidden fees, gimmicks or nasty surprises. 

The Horizon Bank SSB YAP MasterCard Prepaid Card is one of the easiest and most accessible debit card providers out there and are quickly becoming an industry leader due to their notable customer service.  Whether online or on the phone, they strive to quickly and effectively address any concern you may have and you will be impressed with their responsiveness.