nFinanSe Inc. has launch its $3 Reloadable Prepaid Discover Cards at Memphis-Tenn.-based Fred’s Hometown Discount Stores, a regional chain of stores located in the Southeast and Midwest. The cards sell for just $3 and the reload fee and monthly maintenance fee are only $2.95, the ATM withdrawal fee is an industry low 99 cents, and the online bill pay is 44 cents—the cost of a postage stamp. Customer service in both English and Spanish is free, with live agents located in the U.S. 24 hours a day. Free cell phone text message alerts with purchase and balance information after each transaction also are available. All funds are insured by the FDIC in accordance with the FDIC’s applicable terms and conditions.