• Your card number is not registered with credit bureaus and the bank.
• This means that if your card is stolen, it cannot be used as an ID device or to establish prior credit worthiness. It is not connected to your checking or savings account, so those are protected as well.
• The Bank cannot see your transactions.
• Your accounts are FDIC insured
• You can get cash back with debit point of sale transactions at no charge.
• You can activate or deactivate your banking account web interface. This safety feature helps protect you from the phishing scams circulating on the internet. This will also enable privacy. Nobody can access your account without activating the web login through our IVR (Interactive Voice Response) system by phone.
• You have the ability to control the activation status of your card from any phone. You can literally turn your cards on and off. When off, your card cannot be used for ANY transaction, making your funds safe from fraud or misuse.
• You may choose to be alerted every time your card is used for a purchase, a deposit is made to your account or when your card reaches a pre-set minimum balance. This is done via text messages to your cell phone, or an email alert is sent. All notifications to your cell phone or email can be customized.
• ACH transactions are deposited onto your card account by noon of the designated day (i.e. payroll.)
• Deposits mailed to Cardholders Services for processing (personal checks, money orders, cashiers checks) are available within 24 hours of receipt.
• Moneygram wires are posted within an hour of transmission.
• Transfers from any existing checking account from any bank are posted to your account within 48 hours, though usually sooner.
• Transfers from your other credit or debit cards from any bank are posted immediately upon authorization.

• Card is not tied to your existing bank account.
• No Credit Checks
• No Previous Bank Account Needed
• Option to not receive a monthly paper statement,online viewing by you only
• Direct deposit of your payroll
• Conduct your banking with your cell phone
• Pay bills with your cell phone
• Turn your card off when you are not using it to prevent fraud or theft
• Receive notification if someone is trying to use your card without your permission
• Purchase a second card for family or friends to use.
• Transfer money using your cell phone between the two cards for $1.00
• Purchases, deposits, transfers & balance can be text messaged to your cell phone
  

The ACS card was created to give you the lowest cost access to your money while providing you with a feature rich product with extreme privacy and fraud protection without giving up the Visa® advantage. You also have access to a host of other no-cost features, including:

• Free Point of Sale Purchases, signature or debit
• "Cash Back" with debit point of sale transactions
• Direct Deposits such as payroll, disability, government benefits, etc.
• 24/7 web and 800 IVR account information services

$5.95 application fee with minimum $25 deposit
$2.95 per month for a maintenance fee

Statements are mailed to you on a request only basis for a $0.95 charge. You can opt out of receiving mailed statements. You may also access your statements on-line, free of charge. Each month you will be emailed a notification that their statement is ready.
To qualify for a card account, you must have a valid and verifiable Social Security Number and physical US address, and not appear on a government exemption list (per the Patriot Act). The card is available to anyone regardless of their "banking" status. Applicants are not subject to a credit check or Chex Systems verification.