• Low Monthly Fee. The Vision Silver Prepaid MasterCard has the low monthly fee of $3.95.

• Build Your Credit. Thanks to guaranteed acceptance, free online bill pay and the PayFit Credit builder tool, you can build or rebuild your credit.

• Convenient and safe. There are more than 100,000 sites to load your card, the card is convenient to use widely and it is protected by the MasterCard Zero Liability policy.

Thanks to the struggling economy, downsizing, job losses, bankruptcies and foreclosures, many people have hurt their credit records and may be unable to receive a credit card or even have a bank account. College students or recent graduates may have no credit history at all. But a credit card is necessary for many types of purchases today. The Vision Silver Prepaid MasterCard issued by MetaBank can be the answer. No credit check is conducted when you apply and approval is guaranteed.

The MetaBank Vision Silver Prepaid Visa Card has a number of free features. Cardholders will have unlimited signature transactions, free direct deposits, free Payfit Credit Builder, free bill pay, no interest charges, automated customer service, online access to statements, email and text alerts, and of course, a low monthly fee. You have free unlimited purchase transactions anywhere the debit MasterCard is accepted.

What are the fees? Cardholders are charged a $9.95 activation fee, and then $3.95 monthly. (There may be a rebate offer on your activation fee – check details when you are ready to apply.) There is a $25 shortage fee, charged if you use the card over the amount of money loaded on the card. The Cash Advance fee is $4.95. There are a few other fees, which can be checked when you are ready to apply. And of course, fees can change, so it is always wise to check the latest fee schedule for details.

The MetaBank Vision Silver Prepaid MasterCard is easy to use. You simply add money to the card, and then shop, use ATMs or pay bills. You can deposit some or all of your paycheck or Government check, and you can add money to your card at more than 100,000 sites nationwide (such as grocery stores, Walgreens, CVS, WalMart, 7-Eleven, etc.) Add cash using Western Union, MoneyGram, PayZone (at Ace Cash Express), through a bank account or of course, through free direct deposit. A store service fee will apply. You can also transfer money from a PayPal account directly to your Vision Silver card. Deposited money will be instantly available to you.

Maybe you don’t have a bank account or typically cash your paycheck at stores or banks. Did you know that you pay an average of 2.25% in fees? You also spend money and time driving to the location, standing in line, and then walking around with cash that could be lost or stolen. If you set up a free direct deposit of your paycheck to the Vision Silver Prepaid MasterCard, you have just saved yourself check-cashing fees, gas money and time. You can confidently pay your bills and make your purchases with the card. And your Prepaid MasterCard is protected against fraud with MasterCard’s Zero Liability coverage. You are protected if your card is lost or stolen, or someone makes an unauthorized charge to your card. That is added security for you.

The Vision Silver Prepaid MasterCard can work perfectly for college students. Parents don’t have to worry about excessive credit card purchases or potential damage to their own credit record if the student misuses the parent’s card. Parents can load up the PrePaid Card and the student will know exactly what they have to spend, and learn to manage money well. The college student can also add their part-time job pay to the card, and not worry about dealing with loose cash in the dorms. Students can get a head start on building their own credit, which will be invaluable when the graduate. Even some retirees on a tight, fixed budget like to use the Vision Silver Prepaid MasterCard. It makes them feel secure to stay within their limits.

The free text message or email alert service keeps all cardholders current on the balance and expenditure information, and the free 24/7 online card account access means that cardholders are always informed. The online statements are free, as well as the email and text alerts and automated voice response.

MetaBank’s mission is to make money management easy, and it wants to help those with poor credit. In fact, they specialize in it. The PayFit Credit builder tool is offered independently through PRBC, a credit reporting agency. Unlike the three main agencies (Experian, Equifax and Trans Union), PRBC doesn’t charge consumers to view its data or scores, and does not sell its mailing lists. It creates a bill payment score as you build your bill payments. The company will only release your bill payment information with your permission under the FAIR Credit Reporting Act. Through PayFit Credit building, your bill payments will be tracked and recorded, and you can build and/or improve your credit history.

MetaBank is serious about protecting your privacy and security. It uses encrypted secure websites, will automatically log you out after a 15 minute period of inactivity and will monitor possible fraudulent activity. Make sure to look at the privacy statement when you apply for the card.

Do you want to save money with a prepaid card? The Vision Silver Prepaid MasterCard, with the low $3.95 per month, will save you money in fees and save you money on expensive check-cashing fees. It can simplify your life – never wait in line again or pay check-cashing fees. Protect yourself, and stop walking around with cash. Your card is protected by the MasterCard Zero Liability policy. The coverage extends to purchases made in stores, over the phone, or online as long as your account is in good standing, as long as you have exercised care in safeguarding your card, and as long as you have not reported two or more unauthorized evening in the past 12 months. Always keep your PIN number a secret.

Manage your account, monitor your expenses, pay your bills online and build credit at the same time with your Vision Silver Prepaid MasterCard. Get control of your financial life! Remember, you have guaranteed approval and no credit checks at application. The card is issued by MetBank through a license agreement with MasterCard, making it a truly reliable choice.