AARC Debit Card

Apply for your AARC Visa® Prepaid Debit Card today — with instant approval!

  • No checking account needed
  • No credit check1
  • No interest charge1
  • No overdraft fees
  • No minimum balance


Each time you use your AARC Debit Card, a portion goes to the American Association for Respiratory Care! You’re a valued member of AARC, and your support is appreciated.

How it works

It’s easy, fast, safe and convenient to use. This is not a credit card, so there’s no interest to pay and no credit check is required.

  • Use wherever Visa debit cards are accepted or Plus ATMs worldwide
  • Easy to add funds by direct deposit, cash, credit or debit card, checks and ACH from a checking account
  • Text notification2 of deposits, purchases and balances
  • Zero Liability Fraud Protection provided by Visa3
  • Web access for statements
  • 24/7 customer service
  • All registered cards are FDIC insured


There’s no fee to apply, no activation fee and no fees for online or telephone customer service.4

Primary fees:

  • Monthly fee: $3.95, waived if total load amount per month is a minimum of $800
  • ATM withdrawal: $2.50
  • ATM balance inquiry: $0.75

Other fees may apply.

and get instant approval!

With the convenient AARC Visa Prepaid Debit Card, you can:

Control spending

Control your spending for groceries, travel or entertainment

Pay online

Pay bills or make purchases online

Additional cards

Get an additional card for your teen to teach them financial responsibility

Limit losses

Limit potential losses if your card is lost or stolen

AARC Visa Prepaid Debit Card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and can be used anywhere Visa debit cards are accepted.
† Important information for opening a debit card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a card account. What this means for you: When you open a card account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. “Guaranteed Approval” is contingent upon passing mandatory identification confirmation.
1 Other fees may apply.
2 Standard text messaging rates, fees, and charges may apply.
3 Visa’s Zero Liability: Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
4 While this feature is available for free, certain other transaction fees and costs, terms and conditions are associated with the use of this card. See Cardholder Agreement for more details.