Urban Trust Success Prepaid Visa® Card

The Urban Trust Success Prepaid Visa is a unique prepaid card in that it allows consumers to spend just what they have earned or how much they have deposited onto the card. The card enables cardholders to shop safely online or have the ability to store emergency funds. Most importantly, it can be used anywhere Visa credit and debit cards are accepted.

There are different ways in which cardholders can deposit cash. These methods include paycheck direct deposit and the ability to visit tens of thousands of ReadyLink locations nationwide that will reload the card for the consumer.

There is a small monthly service fee that is charged to the card at the end of each billing cycle. This fee applies until all of the funds on the card have been used . There is also an ATM fee, a very small percentage charged on international transactions, and a replacement fee for a lost or stolen card. If a card is lost or stolen, it is important to contact Urban Trust as soon as possible so that the old card can be canceled and a new card is issued with the remaining funds on the card. If there is any type of research that needs done on the card or the account for any reason, there is a charge for that as well. A one-time activation fee of only a few dollars is also necessary.

Checking the card's balance can be done for free online. However, there is a free call and then a fee if performing this action with a live customer service agent. If you decide that you want to close your account, there is a deactivation fee that will be charged to the remaining balance on your account and you will then be sent a check for the remaining balance after that charge.

Because this card is a prepaid card, cardholders do not have to worry about interest and overdraft fees. All that needs to be done is money put onto the card and it can be used anywhere Visa is accepted. Cardholders are able to shop online, pay bills online or over the counter, and also make purchases in physical retail establishments.

Of the security features, cardholders have the protection of Visa's 'Zero Liability' policy. Cardholders in the United States are eligible for this protection, but does not apply to ATM and PIN transactions that are not processed by Visa. When unauthorized use is reported immediately, this protection is able to better serve the customer and a provisional credit can be issued.