Kaiku visa prepaid card is just like any other prepaid card because it has a monthly fee and ATM transaction fee. I like that it is a visa card because it can be used at most department stores. I like the color and design of the card. I have never heard of Kaiku before. Unlike the Rush card it is not advertised much. Mobile check loading is convenient and nice.

Great card, AWFUL,AWFUL service. I have had this card for 3 years. They cannot send me a new card w/o a major snafu. They were bought by Bankcorp and it took more than 6 weeks for them to add funds to my card during that transition. I had to file a complaint with the CFPB to fix that mess.
Latest monstrosity:
1) Mail customer new card for current card that will soon expire.
a) Cancel current card on day you mail new card even though old card doesn't expire for 2 weeks.
b) Mail new card in oversized envelope of the type used for birthday cards.
Make literature enclosed brightly colored and flashy like junk mail.
C) enclosed card looks nothing like old card and lacks raised numbers like all other legit cards.
In other words, make the new card and it's packaging look the same as the thousands of pieces of junk mail the card holder gets every year. As a result, new card gets shredded with the rest of the junk mail.
D) Decline all charges made by cardholder since the now shredded card was placed in the mail even though old card is valid until the end of the month.

2) Irate cardholder calls to find out why charges are being declined even though there is plenty of $ in account . Inform cardholder that new card was mailed and then try to blame cardholder for canceling old card by calling CS and inadvertently activating now shredded new card. This ignores the fact that call was made BECAUSE OF the declined charges.

3) Mail cardholder yet another card in the same silly packaging. This time flag the entire account and routing numbers as "inactive".
a) Cardholder calls to activate card. Card holder informed card is already activated.
b) NOW DECLINE CARDHOLDERS DEPOSITS! Cardholder gets 2 messages from their local, primary bank that 2 deposits to Kaiku card have been refused because account is "closed or sold".
c) Call CS again and talk to useless woman named Shey who can't give you anymore information about your account that you didn't know already from looking at your account online.
d) Shey tries to pass the buck to online customer service that can only be reached via email. Inform Shey that you demand to speak to supervisor and that you plan to contact the CFPB (again).
e ) Supervisor can see declined deposits and informs you that for some reason your account and routing #s are marked "inactive". Supervisor claims she's reactivated your account and routing numbers (ha!).
So we are now coming up on FIVE WEEKS of not being able to use this card simply because of my old card's expiration.
I have 2 other bank accounts and 6 other credit cards. Never, ever have I had a single problem with those accounts when the cards expired or the bank was bought by another. If I were crazy enough to rely solely on Kaiku for all my financial needs I'd be homeless and have a credit rating of 350.
This card is great when its working but getting it up and running is a nightmare. It's like a bunch of dope smokers decided to open a financial institution.

Hi folks, Team Kaiku here! Yes, our rating is a bit biased ;-) but we just wanted to thank all of you for your honest feedback in your reviews and let you know that we're hear to listen!

If you're having a problem with your Kaiku Card, your account, Direct Deposit, or anything else, please email customerservice@kaiku.com and our help team will respond ASAP (usually within 24 hours, or by Monday if it's a weekend).

Additionally, we've recently changed our maintenance fee policy -- now, we'll waive your $3/mo fee when you load $750 (or more) via any method, not just Direct Deposit!

Thanks y'all.

The customer service sucks...90 days a dispute a charge, plus i have to fill out a form and mail it back...in 90 days i won't CARE...actually i don't care about this card anymore....hows that kaiku...the customer service agent was horrid and the supervisor...was so blasé.

DON'T DO IT!!!!! This card is the biggest pain in the ass i have ever dealt with. The only way to load cash on it is by MoneyGram, which was NOT stated on their website. I was more than happy to tell them what they can do with their card. I'll stick with Bluebird, even if some places don't take American Express.

The KAIKU Visa Prepaid Card is one of the best cards out right now and it has so many perks they have many convenient arms locations and they also you can deposit a check to your account by taking a photo. All in all this is a must have prepaid card.

My first direct deposit with this company is not going well. It is 5am and they have not posted my funds to card. Part of the convenience of having direct deposit is not having to wait for paper checks, etc. Called customer service and they can't tell me anything. Last card posted funds before 1am and two days early. Not pleased so far...

Is the monthly service fee charged even if the card is not used for a month? And does the fee start at the moment of activation?

The Kaiku Prepaid Visa is similar to most prepaid credit cards. The card has a monthly fee of three dollars which is typical. One of the benefits for this card is that there are many ATMs you can use with no charge. You can take a picture of a check to deposit it that is convenient. You get to choose from many colors which gives your card a more personal feel. If you do have to use an ATM their ATM fee is not as much as some cards charge. I have had many prepaid credit cards, and this card is one of the best.

Kaiku stole 25.00 from me. I have called them multiple times about this issue and no one wants to take ownership.