That old idea of the friendly neighborhood banker sure seems dated these days.  Now, your bank is willing to beat you up every way they can.  A simple checking account can end up costing you a small fortune.  They’ll charge you an arm and a leg if you accidentally spend a dime more than what you have in your account.  They’ll hit you with seemingly random fees.  Friendly banker?  Give me a break.

All of those headaches are reason enough to look for an alternative, even if you’re on good terms with your bank.  If you don’t have a bank due to past issues and can’t get a standard checking account anymore, you definitely need to find something else.
At the same time, we all know how important it is to have a Visa or MasterCard.  Life without plastic is tough these days.  There are purchases you just can’t make without a card and there is nothing more inconvenient or unsafe than running around with cash every day.

Wouldn’t it be nice if you could replace traditional banking while getting a functioning Visa or MasterCard?  Guess what.  You can.  It’s called the READYdebit Card.

The READYdebit Card is a prepaid Visa option for people who could benefit from a real alternative.  You load the card with cash and can then use it the same way you’d use a debit or credit card.  You can also set it up so that your paychecks are deposited directly into your READYdebit Card account, allowing you fast and easy access to your funds.  You won’t be messing around at the bank and you won’t be paying check cashing fees.

The READYdebit Card doesn’t just offer a choice for those who’ve lacked one.  It also offers tremendous personalized flexibility.  Cardholders can choose their preferred plan.  There’s a basic setup that costs $4.95.  There’s an advanced select plan that costs $8.95 per month.  That option provides you with a free online bill pay system and other perks including reduced cost ATM withdrawals.  Using the READYdebit Card will also save you from those nasty overdraft and negative balance fees with which the banks will gladly hit you.

There are many different prepaid card options on the market and you might be wondering what separates the READYdebit Card from some of the others.  One key feature that other cards in this market space can’t match is the fact that you don’t need to use direct deposit or wire transfers to fund your card.  You can load your card at a wide variety of retail stores including Wal-Mart, Radio Shack, Rite Aid and elsewhere.  That make the card so easy to use that you won’t be able to believe you struggled without a card.

Oh, and you’re already approved for the card.  That’s right, if you can prove who you are and you’re ready to fund the card, you’re automatically approved.  No credit check.  No employment check.  No drama.  You ask for the card and fund the card.  Then you’re ready to roll.

Are you happy with your banker and your bank?  Do you have a Visa card you can use to meet all of your financial obligations?  If you answered “no” to either of those questions, it’s time to apply for your own READYdebit Card.  You’ll be glad you did.