smiONE Card

smiONE Card
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82 User Score
868 Clicks

smiONE Card

Why People Love It
  • Offers direct deposit
  • No overdraft fees
  • No maintenance fees
82 User Score
868 Clicks

There’s no credit check, so pretty much everyone gets accepted for this prepaid debit card. No minimum balance requirements.

You can’t write checks, and there’s no overdraft protection. There’s also no way to add cash directly to the card, but you can deposit funds via direct deposit, MoneyGram, and Western Union.

Faveable Review

“I mailed the child support check. I don’t know why you didn’t get it.”

Tired of dealing with excuses like that from your ex? Consider the SMIOne prepaid debit card.

Many states have started loading child support payments on prepaid debit cards like the SMIONe card instead of using paper checks. Prepaid cards are a fast, cost-effective way to receive court-ordered funds for your kids, and they usually don’t require a credit check.

Some child support enforcement agencies issue SMIOne cards automatically. If yours doesn’t, you’ll have to contact SMIOne directly.


The SMIOne card works like a bank account, but you can’t write checks or deposit cash. It’s a great option if you’ve got an ex who is notorious for flaking on child support payments or if you need a secure way to receive state or federal funds.

Fees are minimal, but so are features and perks. You can’t do much with the SMIOne card, but that’s part of its beauty. Sometimes simplicity is best when it comes to financial products.


You won’t find many features or benefits on the SMIOne prepaid card because it’s designed with a specific purpose in mind. It’s geared toward child support recipients, but you can also use it to receive other state or federal funds. Many cardholders have their state and federal tax refunds deposited on their cards.

Unfortunately you can't deposit cash to your card, but some SMIOne cards accept MoneyGram and Western Union payments. This varies by state.

Customer service is available 24/7, but before you get too excited, keep in mind it may take an hour or two before you get a live agent on the phone. Hold times are awful if you call during lunch time or after work, assuming you work a standard 8am to 5pm gig.

ATM access is nationwide, and sometimes you can get fees waived. For example, some states offer free ATM withdrawals once per card load. That means if you receive 3 child support payments per month, you can withdraw funds 3 times without encountering fees.

Funds are FDIC-insured, and you're protected against fraud. The Visa Zero Liability policy covers you if an unauthorized user treats themself to a spending spree with your card.

Text and email alerts are available, but they’re often delayed by a couple hours. However, they still eliminate the need to frequently refresh your account to check for deposits.

Consider requesting multiple cards if you receive child support payments for older kids. This lets them use the funds to pay for textbooks, extracurricular activities, and other essentials.


You won’t pay an annual fee or a monthly charge for using your SMIOne card. There is no minimum balance requirement, so you can keep $3000 or $0.01 in your account. Whatever works for you.

ATM fees vary. We already discussed how you can get fees waived (see above if you missed it), but you’re responsible for other ATM fees. That includes fees for balance checks, so you may want to log in online or call the number on the back of your card instead of paying to check your balance at an ATM.

There are no overdraft fees because it’s basically impossible to overdraft this card. The exception is if you purchase something that requires a preauthorization hold and then you end up paying more than expected. This sometimes happens with gasoline, hotels, rental cars, and restaurants that accept tips


Yes, if you’re a child support recipient or plan to file for child support in the near future. Depending on where you live, you may not have a choice whether you use this card. It’s mandatory for some custodial parents who receive payments via their local child support enforcement agency.


How to get one:  Contact SMIOne directly via phone or postal mail. Numbers and addresses vary by state; you can find a full list here.

If you receive child support payments in some states, including Missouri, Texas, and Florida, you might receive a card automatically. The agencies that handle child support payments in these states send payments directly to SMIOne cards rather than mailing paper checks.

Who accepts it: Most places that accept Visa payments. However, you may run into some issues if you attempt to pay utility bills online with this debit card. We’ve also heard some people have trouble using it for services such as Instacart and DoorDash.

Luckily, SMIOne has an online bill pay service that sends payments directly to approved utility providers on your behalf. Payments made via bill pay usually arrive within a day or two unless you send them over the weekend or on a holiday.

Features:  The SMIOne card offers many of the features other prepaid debit cards have, including:


  • 24/7 customer service
  • Direct deposit for payments from employers and federal agencies
  • ATM access for cash withdrawals and balance checks
  • Online bill pay
  • Text and email balance alerts
  • Card-to-card fund transfers


Some SMIOne cards can also be funded via MoneyGram, Western Union, and PayPal.

Fees:  Fees are minimal with the SMIOne prepaid card. There are no account maintenance fees, and depending on which state you’re in, you might get one free ATM withdrawal at approved ATMs each time a deposit posts to your account.

There are also no overdraft fees, but it’s nearly impossible to overdraft the SMIOne card anyway. The exception is if you fuel up at a gas station that places an authorization hold for less than your actual purchase. This may also happen if you eat at a restaurant or stay at a hotel.