The Vision Premier(SM)Prepaid Visa® Card is ideal for people who are finding it difficult to obtain a secured or unsecured credit card or who are in need of another option when making purchases.

Based on an identification check, applicants can be issued a personalized card. Also, cardholders will have access to a rewards program where they earn rewards at the rate of one point per dollar spent. Points are redeemable for wireless airtime minutes; 200 points = 1 minute of prepaid wireless airtime.

As with any prepaid credit card, this one is not without its fees and regulations. To participate, you must pay a weekly fee of up to $0.95 unless you are on direct deposit and the weekly fee is automatically waived, and a one-time activation fee of $9.95 which can be rebated when you sign-up for direct deposit. Additionally, you'll be charged $1.95 for withdrawing cash from ATMs and $0.95 for making purchases using your PIN. Total fees can amount to at least $101.35 your first year.

To keep using your prepaid card, you have to keep loading it. Reloads are free using direct deposit or can cost you up to $5 at retail locations. The good news is that Bancorp Bank offers more than 100,000 retail locations where the Vision Premier(SM) Prepaid Visa Card can be reloaded, including Western Union®, PayXone™, ACE Cash Express and MoneyGram®.

With the Vision Premier(SM) Prepaid Visa®, cardholders will have access to card benefits that include the added protection of the Visa® Zero Liability policy which makes using the card safer than carring cash. Cardholders will also have the convenience of online shopping, online bill pay, and around the clock access to millions of ATMs to get cash whenever it®s needed.

*See terms and conditions for complete details.