If you've been turned away by a bank or need to build up your credit score, you can get instantly approved for a prepaid account with an instant connection to AccountNow. You can open a free prepaid account, similar to a checking account, and get an AccountNow prepaid Visa or MasterCard. Add money to your account by direct depositing your paycheck or benefits or taking cash to a store that offers money transfer services such as Western Union or MoneyGram. With your prepaid account you'll save on check cashing fees and never have to worry about overdraft fees. Plus, you can build up your credit worthiness by using the free Credit Builder service. Just pay your bills through AccountNow Bill Pay and the company will automatically report your payment history to to Payment Reporting Builds Credit, a national credit reporting agency.