Our partners cannot pay us to guarantee favorable reviews of their products or services. Our insurance content may include references to or advertisements by our corporate affiliate HomeInsurance.com LLC, a licensed insurance producer (NPN: 8781838). To get the card you must link a bank account to the card. Performance information may have changed since the time of publication. They can pay interest to their young ones to encourage savings. Currently, they report to Experian and Equifax. Looking for a traditional spending account? You could also incur an inactivity fee of $5.95 per month if you dont use the card for 90 days. Our content may include summaries of insurance providers, or their products or services. (Retailers other than Walmart may charge up to $3.95.). (888) 915-1973. Free at ATMs in the MoneyPass network; $2.50 fee at other ATMs, plus any ATM operator fee. Posted on May 3, 2014. But if youre fee averse, youre not totally out of options the Bluebird American Express Prepaid Debit Account could be a solid choice for you. , Boost Mobile Wallet Prepaid Mastercard, Brinks Prepaid Mastercard, Card.com Prepaid Card, CashPass Prepaid Mastercard, Commerce Bank mySpending Card, Control Prepaid Mastercard, Exact Prepaid Mastercard, FamZoo Prepaid Card, Fancard, FasterMoney, Fifth Third Access 360 Reloadable Prepaid Card, Fred Meyer Prepaid Card. American Express Serve FREE Reloads - Best for Cash Users. Chime is an award winning financial app and Visa debit card. Other services: Card can have joint owners. As you run low, you can add more money to the card. Best with No Monthly Fees: Brinks Prepaid Mastercard. Most prepaid cards offer many of the features you'd expect from a checking account -- you can pay bills, receive direct deposits, transfer money, withdraw funds at ATMs and deposit cash. Minimize initial purchase or setup fees. Yes, they can freeze you green dot card if they can find it. (Retailers other than Walmart may charge up to $3.95.). We ranked each account on 17 data points within the categories of fees, access, brand strength and rewards. In other words, the money is not immediately taken out of your bank account. You dont need a bank account to get a prepaid debit card, but its a requirement for a regular debit card, which is linked to your checking account. Green Dot is a prepaid and reloadable debit card company that allows customers to pay rent and send out other payments. You might be using an unsupported or outdated browser. Advertising Disclosure: allCards.com is an independent, advertising-supported blog offering You can also deposit funds through the Netspend app, which has check capture capabilities. ", Chime says: "Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account. Instead, Extra pulls the money you spent from your bank account the next business day. Card must be linked to PayPal account. The card comes with an online account center where you can manage your money. ATM withdrawals: $2.50 fee, plus any operator fees. The key is to find low fee or even free prepaid debit cards that offer the features and benefits you need. She travels to Africa and the Middle East regularly to consult with women's NGOs about small business development. Do not sell or share my personal information. Ink Business Cash vs. Your financial situation is unique and the products and services we review may not be right for your circumstances. No. Fee to use ATMs; limited methods for reloading funds. Utilize card payments without needing to connect your bank account. Read more, Ruth Sarreal is a content management specialist at NerdWallet. This keeps the monthly fee down to $5 with no transaction fees. If you buy the card online, you may be issued a virtual card or receive a physical card in the mail at a later time. Walmart Money Cards. Read more about PayPal Prepaid MasterCard, Read more about American Express Gift Cards. Offers FREE consultation! Here are our picks for the best prepaid debit cards of 2023. Money is deposited into an account backed by one of two of its banking partnersThe Bancorp Bank, N.A. Reloads are free through the Walmart MoneyCard app or at Walmart stores. No cost to sign up and no monthly fees. Bluebird by American Express - Editor's Choice. Still, there are many prepaid debit cards that charge outrageous fees, offer limited benefits, or both. Prepaid debit cards that we considered included: Other fees include reload charges, which can cost as much as $6 per transaction and ATM withdrawals of $2.50 on average. Plus, Regions Bank waives the $5 monthly fee if you use the card to make at least seven purchases during a statement period. Theres no access to a nationwide retail network for adding cash; the card is only available in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Tennessee and West Virginia; and the card doesnt have a separate savings feature. or Stride Bank, N.A. Carrying the plastic card is also safer than having cash in your pocket. Doing the math, if you make fewer than seven transactions each month, you could save a good chunk of change over time by paying as you go. How will we know if we're fulfilling our mission? Reload card with direct deposit, a mobile check, reload locations or funds transfer. Most prepaid cards will provide some services of a traditional checking account -- you can usually set up direct deposits, pay bills or deposit checks on your phone. Access to Chase Mobile banking and account alerts. We are compensated when users click links to or apply for sponsored financial Chime is a financial technology company, not a bank. Generally, you can also use a prepaid debit card to withdraw cash from ATMs. To learn more about our rating and review methodology and editorial process, check out our guide on How Forbes Advisor Reviews Banks. Garnishable Prepaid Cards. Other prepayment plans also offer a discount. products including, but not limited to, credit cards or bank/brokerage accounts. Add funds. General fees and features: $5.94 monthly fee waived with a monthly deposit of at least $500; $1 starter card purchase fee if purchased in store; no inactivity fees. Rob Berger is the founder of allCards.com. ~Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Other services: Up to 5 subaccounts, no international ATM withdrawal fee. Prepaid debit cards let you enjoy the convenience of paying by card without a line of credit or a bank account. No usage fees. Free at Fifth Third ATMs and ATMs in the Allpoint ATM network; free at Presto! Ink Business Premier, Capital One Venture vs. Capital One Quicksilver, Chase Freedom Unlimited vs. Chase Sapphire Preferred, Western Union Netspend Mastercard Prepaid Card. Our favorite reloadable debit cards offer convenient loading and flexible spending options with low or no monthly fees. Offers business and personal gift cards from $25 to $3,000. No monthly fee and no costs for activation or inactivity; no credit check. Access to surcharge-free ATMs through the MoneyPass network; Minors of any age can get a debit card; Multiple subscription plans: $5.99 monthly service fee, $25.99 for six months, $39.99 for 12 . Start by considering the costs associated with each prepaid debit cardsuch as monthly maintenance, ATM, foreign transaction and cash reload fees. Pre-qualified offers are not binding. It's easy to apply for the Emerald card, and there is no setup fee or annual fee. You use a prepaid card to make purchases in stores, shop online and pay bills. So why does it make our list of prepaid card alternatives? Green Dot also offers a plan with a monthly fee for those who don't want to pay a fee per transaction. Because its not part of an ATM network, youll pay $2.50 for ATM withdrawals in addition to any operator fees. By Jon Alper July 29, 2008. The Greenlight debit card is available for kids of all ages and provides tutorials about money management. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. But if you're fee averse, you're not totally out of options the Bluebird American Express Prepaid Debit Account could be a solid choice for you. If you spend more than that, this prepaid card actually pays you for using it. The company has 135,000 locations around the country. No cash back at retailers. The downside is that the $6.95 monthly fee cant be waived, even with direct deposit. This low-fee prepaid card is ideal for those who frequent Walmart. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. Best with No Reload Fees: NetSpend Visa Prepaid Card. This compensation may impact how or where links appear on this site. 10 day wait to avoid fees . The Walmart MoneyCard pays 3% cash back on purchases from walmart.com, 2% cash back Walmart fuel stations, and 1% cash back at Walmart stores, up to $75 a year in rewards.. To determine which cards made our list, we considered each cards fees and features. Charges a $1.95 domestic ATM cash withdrawal fee. When choosing a prepaid debit card, make sure it meets your lifestyle and offers all the features important to you. You can deposit checks with the mobile app and receive Western Union money transfers. The content has not been reviewed, When evaluating offers, please review the financial institutions Terms and Conditions. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. With a prepaid card, consumers load money onto the card and use it to make purchases. $4 monthly fee that's reasonably easy to waive. See our criteria for. Some cards in this roundup have nonbank program managers that partner with banks. You can also easily transfer funds to friends and family members who have a Movo account. The pay-as-you-go plan has no monthly fees but costs $1.50 per transaction. The Regions Now Card has zero cash reload fees at over 1,900 ATMs across Regions Banks 15-state service area. Instead, it functions like a gift card because you can only spend the money already loaded onto it. It offers a free debit card and a free secured credit card. Prepaid card vs. debit cards. If youre comparing options, use our guide to discover the best prepaid card for you. Once your rewards reach $25, you can redeem them for cash-back credits. Prepaid cards are sold at retail stores (usually for a fee) and some can be ordered online. *Please see site for full terms and conditions. ", "Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Given low purchase and withdrawal limits, its best as a family budgeting tool instead of a bank account replacement. A prepaid debit card is like a renewable gift card. Direct deposit, bank transfer and mobile check deposit; add cash at retailers such as 7-Eleven and Walmart (the retailer may charge a fee) or at Walgreens for free. to make sure our coverage is fair and accurate, so you can choose the financial accounts that work best for you. There is a $5.94 monthly fee. Since these cards are linked to a savings or checking account, debt collectors can easily find this card in your credit report. The features and benefits are also excellent. Netspend has more than 70,000 distribution locations and 130,000 places to reload cards. Unsubscribe easily. ACE Elite Visa Prepaid Debit Card (Pay As You Go) 4.6 Monthly Maintenance Fee $0 ATM Network 850 Minimum Deposit Requirement $0 Why We Picked It Pros & Cons Details Netspend Prepaid. AccountNow offers Visa and MasterCard prepaid cards that let customers add money through a variety of ways and also directly deposit their paychecks into their accounts. We looked at 45 reloadable prepaid debit cards offered by some of the biggest banks, credit unions and prepaid debit card issuers. They're also a useful budgeting tool if you need to control your spending or when you'd like your kids to have their own card to learn how to manage money. What are the best prepaid debit cards? These accounts provide another shot at mainstream banking and its perks. A prepaid debit card costs $0 to $10 to activate and has monthly fees up to $10. Credit card reviews and listings See our criteria for evaluating banks and credit unions. No monthly fee with balance over $1,000. With no monthly fees, this plan only charges $1.50 per purchase. ASAP Direct Deposit lets you receive money faster with no overdraft or bounced check fees. Prepaid cards with $0 purchase price. Parents can also control whether their child can use the card at an ATM. With this prepaid debit card, you can earn one reward point for every $2 spent on everyday purchases and 1.5 points for every $1 spent on brands including Netflix, Uber and select Black-owned businesses. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Plus, you don't have to worry about overdraft fees, since your spending cannot exceed the available balance on your card. People trying to avoid judgment creditors often try to convert assets to cash and plan to hide the cash from discovery. Greenlight stands out for a feature that other prepaid cards lack: store-specific spending controls. ATMs inside Publix stores and at 7-Eleven ATMs listed on the bank's website or mobile app; $2.75 fee at other ATMs, plus any ATM operator fees. However, you typically cant pay for a reloadable debit card with a credit card. CNET editors independently choose every product and service we cover. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Fifth Thirds Access 360 prepaid debit card takes part in Allpoints massive U.S. network and has access to over 50,000 ATMs. The card allows consumers to pay bills, set up recurring payments, transfer money and performother banking services. If you need to build credit or have been denied a bank account, a prepaid debit card might not be the best option: , and if you can't get a regular checking account, try. A traditional debit card is linked to a bank account, so any purchases you make using your debit card will be withdrawn from your bank account. We promise to publish credible information we have as soon as we have it, throughout a product's life cycle, from its first public announcement to any potential recall or emergence of a competing device. Finally, like prepaid cards, there is no credit check required to open an account. Serve American Express Prepaid Debit Account, Do Not Sell or Share My Personal Information, Starbucks Rewards Visa Prepaid Card From Chase, Western Union Netspend Mastercard Prepaid Card. Our list of the best prepaid debit cards should satisfy just about any financial situation. Pre-qualified offers are not binding. Information provided on Forbes Advisor is for educational purposes only. You can set and track savings goals. Here's a list of the best prepaid debit cards on the market today: Learn More Best Overall: BlueBird by American Express Pros No monthly fee or in-network ATM fees Free to load at Walmart Free online bill pay Cons $2.50 ATM fee for out-of-network ATMs $2,500 daily money transfer limit Fees are between $4 and $16 for money transfers Don't worry -- you can approve the trades first. They are available at many retail stores. The more significant difference between a prepaid or reloadable debit card and a credit card is that prepaid cards only give the cardholder access to their balance of preloaded funds. In some cases, most fees can be avoided based on how you use the card. Parents can preapprove where their kids spend money, so $300 earmarked for school supplies can only be spent at a campus bookstore, for example. The compensation we receive may impact how products and links appear on our site. Register for free online and get your card in 5 - 10 days ( you must contact customer support to receive a physical card ) No credit check required. She has written and edited content on personal finance topics for more than five years. Offers a convenient way to receive federal benefit funds. A prepaid debit card can serve as a budgeting tool or be a replacement for a bank account. In general, creditors can't garnish a Visa or Mastercard prepaid card. Manage your money from your mobile device through the app. American Express Serve Cash Back - Best turnaround time. Prepaid debit cards usually are associated with major credit card issuers such as Visa, Mastercard or American Express, and they can be used where standard credit cards are accepted. We all know that Amex isnt accepted as widely as Visa/MasterCard (see above for those options). The difference between prepaid debit cards and checking accounts is starting to blur, as many have similar features and services. You can use it once online, for example, and then dispose of it. Unlimited cash back account earns 3% cash back plus 3% APY for savings. We value your privacy. ATM withdrawals: Free at ATMs in the MoneyPass network; $2.50 fee at other ATMs, plus any ATM operator fee. The best will depend on the features you need and how youll use the card. Prepaid cards are sold at retail stores (usually for a fee) and some can be ordered online. Free at over 60,000 ATMs in the Allpoint, MoneyPass and Visa Plus Alliance ATM networks; $2.50 at other ATMs, plus any ATM operator fee. All rights reserved. This compensation comes from two main sources. Green Dots products are sold at thousands of major retail locations in the U.S. Walmart Money Cards can be used anywhere Visa or Mastercard is accepted. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account. A prepaid card is relatively easy to get there is no credit check or minimum balance requirement. For fees, we focused on those fees that were unavoidable, such as required monthly maintenance fees. Open-looped Prepaid Cards Linked to Social Security Number (SSN). Best with No ATM Fees: Serve American Express Prepaid Debit Account. Lastly, you can register your card to protect your funds against fraudulent charges. Track transactions 24/7 with mobile app. Provides Serve, Serve Free Reloads and Serve Cash Back options. This site may be compensated through the bank And remember, performing your due diligence can save you money (and headaches) down the road. Vanilla Prepaid Cards are simple prepaid cards you can use anywhere Mastercard or Visa is accepted. financial product comparisons. In a digital world, information only matters if it's timely, relevant, and credible. As long as you have a card, you can reload it online or at a retailer. It goes to an FDIC-insured Checking account connected to the Chime app. One client recently explained that he . Some issuers provide access to instant debit cards online that use virtual card numbers. Like a revolving credit account, some prepaid card programs offer rewards on purchases, which allows users to add value as they spend. Not to be confused with the free reload card, the Serve American Express Prepaid Debit Account helps you earn cash back for purchases you would be making anyway -- a true rarity for a prepaid card. Why trust NerdWallet: Our writers and editors follow strict editorial guidelines to make sure our coverage is fair and accurate, so you can choose the financial accounts that work best for you. Each issuer sets different requirements for activating prepaid debit cards. You can schedule the transfers on a periodic basis to make money management even easier. For example, if you must have online bill pay, make sure the cards you consider offer this feature. Many prepaid debit cards waive reload fees if the cardholder opts into direct payroll check deposits. Besides the cost of buying a card, most cards have a monthly fee that varies between $4 and $10 per month. Some require photo identification and charge an activation fee up to $10 for loading the initial funds onto the card. But if its not a bank, where does your money go when you deposit it into a Chime account? Past performance is not indicative of future results. Cardholders can make secure deposits through the Green Dot apps check capture feature, reload at the register or deposit funds through MoneyPark. The card offers online bill pay, mobile check deposit, free direct deposit, and a mobile app. Direct deposit, debit card transfer, bank transfer. Unsubscribe at any time. The card can also be used with Apple Pay, Google Pay, or Samsung Pay. The app, which gets decent ratings, is required to get fee-free cash reloads at Walmart stores. There is a monthly fee, but its as low as $2.50 a month, and its for the entire family. If youd prefer not to pay for purchases with cash, credit cards or funds in your checking account, give prepaid debit cards a try. Here are the 5 best prepaid debit cards of 2022: Best overall: Bluebird American Express Prepaid Debit account. Prepaid cards make a lot of sense for some people, especially for those who live in underbanked communities. Sign up to receive our free weekly newsletter. If the balance runs low, you'll need to reload the card by adding cash at a participating retailer or transferring money to the card, if it's permitted. Best prepaid debit card for reload options. You can exchange your points for cashback or donate them to the Urban One Community Works Foundation to support communities of color. Other services: Multiple accounts under one plan, free and instant FamZoo card-to-card transfers, ability to lock and unlock FamZoo cards, budgeting tools. Prepaid debit cards might have fees or limits on deposits and withdrawals. Over the years there have been major changes to the features and fees offered to consumers. Movo Virtual Prepaid Visa Card . You can also open a linked Chime savings account and set up automatic transfers. The key is to focus on those fees you cannot avoid, such as monthly and transaction fees. Cash withdrawal and third-party fees may apply. Parents and turn a card off or on from the app. Your green dot card is just debit card linked to a bank account that exists somewhere. So how do we make money? CNET is not an insurance agency or broker. NerdWallet's ratings are determined by our editorial team. Even though they look the same, a prepaid card does not give you access to a line of credit. To support our work, we are paid in different ways for providing advertising services. FamZoo Prepaid Card: Best for parents (tie).. The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. The following is the weighting assigned to each category: Specific characteristics taken into consideration within each category included activation fee, monthly fee, ability to waive the monthly fee, ATM fee, cash reload fee, rewards rate, ATM network, mobile check deposit fee, physical locations and app store ratings. Can you get money from an ATM with a prepaid card? By Beverly Harzog Sept. 7, 2022 After that, the fee is just $4.99 per month for a family with up to five children. This influences which products we write about and where and how the product appears on a page. In addition, some prepaid cards will waive some or all of the monthly fee if you load a certain amount of money on the card via direct deposit. We 're fulfilling our mission turn a card, make sure it your... Has access to a bank account that exists somewhere financial institution, service provider or specific products site changed. Connected to the Urban one Community Works Foundation to support our work, we are in. Lack: store-specific spending controls: NetSpend Visa prepaid card programs offer rewards on purchases, which gets ratings. Credit unions and prepaid debit cards let you enjoy the convenience of paying by card without line... Include summaries of insurance providers, or their products or services it #! Even though they look the same, a mobile app and Visa debit card issuers with your credit report please. Our guide to discover the best prepaid card actually pays you for using it Number ( SSN.... Of your bank account ATM, foreign transaction and cash reload fees if the cardholder into! To any operator fees check capture feature, reload locations or funds transfer low fee or even free prepaid cards... 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