This document summarizes an alternative to traditional bank accounts called AccountNow that offers direct deposit, bill pay, and prepaid debit cards. Key features include: - No credit checks or bank account required to get a prepaid debit card for direct deposit and spending. - Direct deposit paychecks, add cash at retailers, and pay bills to build credit history for things like housing applications. - Shop and get cash from ATMs worldwide where debit MasterCards are accepted. - It is cheaper than check cashing services by saving over $450 per year in fees.