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AccountNow, Inc. merged with Ready Financial in June 2011. AccountNow has rapidly grown its reloadable consumer prepaid debit card business, to more than $2 billion dollars in annual transaction volume, by offering features and benefits traditionally reserved for customers with banking relationships. Reloadable prepaid debit cards were created for the estimated 40 million unbanked and underbanked U.S. consumers, but the marketplace is evolving rapidly. AccountNow’s customer direct deposit usage is one of the highest in the industry. The senior managers of AccountNow have decades of experience in commercial banking, consumer lending, payment processing and marketing banking products primarily with Bank of America and Providian Financial Services.