or Stride Bank, N.A., Members FDIC. Her work has appeared on Chime, Clever Girl Finance, RateGenius, and Mint Intuit, among other publications. Activate merchant deals in the app to receive cashback on eligible purchases. The card is free to get, has no monthly fees, is FDIC insured, and offers free direct deposit. We also like that theres no enrollment or activation fee. You can find more details of this new rule here. CNETs compensation is never tied to whether you purchase an insurance product. You can purchase and fund Green Dot prepaid debit cards at Walgreens and Rite Aid stores. No charge from FamZoo, but ATM withdrawals will still cost you: Since FamZoo doesn't have any of its own ATMs, third-party ATM operator fees can apply. (888) 915-1973. A prepaid debit card is not linked to a bank account, so you can only spend as much as the available balance. Ink Business Unlimited, Chase Sapphire Preferred vs. Chime has two automatic savings programs: one where a percentage of every paycheck automatically goes into the savings account and the other where your purchases are rounded up to the nearest dollar and the rounded-up change goes to savings (see below for more information from Chime). RushCard is a prepaid Visa card that lets consumers load their own money onto the card. Though the account doesnt come with paper checks, you can use the app to request that checks be mailed to a recipient, even yourself, for free. Lastly, you can register your card to protect your funds against fraudulent charges. Unsubscribe easily. But it's pretty cool to get notifications that your child wants to buy Starbucks shares instead of a latte. $7.95 monthly fee is waived if you spend more than $1,000 per month. Prepaid debit cards come with a variety of fees that add to the cost. Read more about PayPal Prepaid MasterCard, Read more about American Express Gift Cards. How will we know if we're fulfilling our mission? Best for cash rewards: Netspend Visa Prepaid card. ", "Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. His work has been featured by USA Today and the Los Angeles Times. Chat with a ConsumerAffairs decision guide. The downside is that the $6.95 monthly fee cant be waived, even with direct deposit. Green Dot Prepaid MasterCard This is a card with a simple fee plan. Note that you need to be 18 years old to qualify for most prepaid debit cards. : Direct deposit; bank transfer; PayPal, Apple Pay, Venmo and Square Cash transfer; PopMoney transfer (for a fee); add cash at retailers like 7-Eleven and Walgreens that participate in the Reload @ the Register, MoneyPak and Mastercard rePower networks (about $5 retail fee). With so many prepaid debit card options, choosing the right one can be overwhelming. Read more. Generally, yes. Over the years there have been major changes to the features and fees offered to consumers. Downsides: 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. Past performance is not indicative of future results. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. She previously worked as an editor, a writer and a research analyst in industries ranging from health care to market research. Cardholders earn rewards when they shop at Walmart stores. Cash deposit fees may apply if using a retailer other than Walgreens. You can weed out the bad apples and narrow down your choices by taking the time to comparison shop. Children see just their accounts while parents see all transactions from all family members. Currently, they report to Experian and Equifax. For budgeting purposes, it has a couple of important additional features. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. Yuliya Goldshteyn is a banking editor at NerdWallet. If you live within Regions Banks service area and plan to use your prepaid debit card frequently, the Now Card could be an affordable option. Prepaid cards are typically used by consumers who either don't have a traditional bank account or cant get a credit card due to poor credit history. As long as you have a card, you can reload it online or at a retailer. We value your privacy. However, we may receive compensation when you click on links to products or services offered by our partners. Free reloads and ATMs. The Best Prepaid Cards 1. ATM withdrawals: Free at Fifth Third ATMs and ATMs in the Allpoint ATM network; free at Presto! Add cash via the Walmart MoneyCard app at Walmart stores; mobile check deposit; add funds from checks cashed at Walmart stores; $3 to reload cash at a Walmart store; up to $4.95 to reload elsewhere. to make sure our coverage is fair and accurate, so you can choose the financial accounts that work best for you. Copyright 2022 Consumers Unified LLC. Yes, you can pay your credit card bill with a prepaid card. For many of these products and services, we earn a commission. Many prepaid debit cards waive reload fees if the cardholder opts into direct payroll check deposits. These accounts provide another shot at mainstream banking and its perks. Unlimited cash back account earns 3% cash back plus 3% APY for savings. Charges a monthly plan fee of $4.95. Content Management Specialist | Bank accounts, bank account bonuses. You can use it once online, for example, and then dispose of it. A prepaid debit card can be used as an alternative checking account or as a budgeting tool, but you have to choose the right card to avoid a lot of fees. Cards are free to register and allow ATM withdrawals at more than 24,000 MoneyPass ATM locations around the nation. Other services: Optional savings account earns 2.00% annual percentage yield. Pay rent or expedite bill payments online. The card is issued by American Express, which isnt accepted everywhere that Visa and Mastercard are. When evaluating offers, please review the financial institutions Terms and Conditions. Monthly fee:$4.99 to $9.98 (up to five kids)ATM Fee:FreeReload fee:N/ACash reload limits:N/AOther fees:Custom-design card fee for $9.99, card replacement $3.50Reload locations:N/A. A prepaid card functions similarly to a debit card. Gold Visa Prepaid Card earns cash back rewards plus 3% APY. Offers travel protection and 24/7 customer service. Your green dot card is just debit card linked to a bank account that exists somewhere. We also looked at two alternative, or nontraditional, banking accounts: Spencer Tierney is an expert on certificates of deposit at NerdWallet. 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. This keeps the monthly fee to just $5, with no fees for purchase transactions. Some companies also offer mobile-optimized banking accounts that dont require a squeaky-clean banking or credit history and they often cost less than prepaid cards. Editorial Note: We earn a commission from partner links on Forbes Advisor. Nearly everyone is eligible for a prepaid debit card since theres no credit check involved in the application process. Monthly fee:$0ATM Fee:Free in-network,$2.50elsewhereReload fee:Free at Walmart, $3.95 at participating retailersCash reload limits:$20 to $1,999 once your card is activated; $1 to $500 for temporary cardsOther fees:No account inactivity or card replacement feesReload locations: Over 30,000. Reload methods: Add cash via the Walmart MoneyCard app at Walmart stores; mobile check deposit; add funds from checks cashed at Walmart stores; $3 to reload cash at a Walmart store; up to $4.95 to reload elsewhere. Downsides: No checks or cash can be deposited; no free ATM network; the daily purchase maximum per family account is $1,500 and daily ATM withdrawal limit is $100, which are much lower than average for prepaid cards. Once you open and fund your account, you can then create virtual debit cards in an amount that you choose. She travels to Africa and the Middle East regularly to consult with women's NGOs about small business development. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. Here are our top prepaid debit cards based on fees and features. You can prepay $59.99 for two years of FamZoo that works out to $2.50 per month. Simply put, the card comes with virtually no fees. His work has been featured by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. A prepaid card is relatively easy to get there is no credit check or minimum balance requirement. More from NerdWallet: What is a debit card? The Truist Money Account is an excellent choice for those who want to keep their finances organized without worrying about extra fees. Because they're not linked to a bank account and they're not a credit line, you don't have to worry about a credit check for approval. Once your rewards reach $25, you can redeem them for cash-back credits. ACE Elite Visa Prepaid Debit Card, AccountNow Gold Visa Prepaid Card, American Express Serve, BB&T MoneyAccount, Bluebird by American Express, 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, Green Dot Prepaid Visa Card, Greenlight Prepaid Mastercard, H&R Block Emerald Prepaid Mastercard, Mango Visa Prepaid Card, MOVO Virtual Prepaid Visa Card, MyVanilla Prepaid Card, Netspend Visa Prepaid Card, NexsCard Visa Prepaid Card, Opt+ Prepaid Visa Card, PayPal Prepaid Mastercard, PNC SmartAccess Prepaid Visa Card, Regions Now Visa Prepaid Card, RushCard Prepaid Visa Card, Starbucks Rewards Visa Prepaid Card, TD Connect Reloadable Prepaid Visa Card, Walmart MoneyCard, Western Union Netspend Prepaid Card. You can create a family account with up to 4 additional cards, and setting spending limits on each card. American Express Serve offers three prepaid debit card options. Best prepaid debit cards and alternatives: Summary, We analyzed four categories for each card: general fees and features, purchases and withdrawals, reload fees and options, and other services such as bill pay and savings accounts. See our criteria for. You can also receive instant transaction alerts and lock your debit card if you lose it. Before using a prepaid debit card, you must top it up with funds. We are an independent publisher. Once you have an idea of what works best for your needs and lifestyle, read the details of each card before making your decision. Sells prepaid cards and gift cards. Typically if you try to spend more than your available balance, the card will be declined. Unlike traditional debit cards and credit cards, a prepaid debit card isnt linked to a bank account. What are the best prepaid debit cards? The app, which gets decent ratings, is required to get fee-free cash reloads at Walmart stores. Your potential liability is capped at $50 if you give timely notice that your card has been lost or stolen. Separate set aside accounts for savings and up to four subaccounts for family members. All rights reserved. Some require photo identification and charge an activation fee up to $10 for loading the initial funds onto the card. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Service fees vary by card, so you should check the list of fees associated with different types of transactions before you activate a new prepaid debit card. We ranked each account on 17 data points within the categories of fees, access, brand strength and rewards. 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. He is based in Berkeley, California. ConsumerAffairs is not a government agency. 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 Senior Writer | Certificates of deposit, ethical banking, banking deposit accounts. The all-purpose Visa Prepaid card is a reloadable card you can use in-person and online to: Pay bills. Using Cash Credit Cards To Hide Cash From Creditors. She previously edited content on personal finance topics at GOBankingRates. annual percentage yield. Find out more here. , NexsCard Visa Prepaid Card, Opt+ Prepaid Visa Card. This compensation comes from two main sources. ATM withdrawals: No charge from FamZoo, but ATM withdrawals will still cost you: Since FamZoo doesn't have any of its own ATMs, third-party ATM operator fees can apply. *Please see site for full terms and conditions. Funds transfer instantly, in case your kids are out with friends and need money in a pinch. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Ink Business Premier, Capital One Venture vs. Capital One Quicksilver, Chase Freedom Unlimited vs. Chase Sapphire Preferred, Western Union Netspend Mastercard Prepaid Card. It also comes with an optional savings account. Sign up to receive our free weekly newsletter. Earn up to $75 cash back each year at Walmart. Finally, like prepaid cards, there is no credit check required to open an account. He has covered personal finance since 2013, with a focus on certificates of deposit and other banking-related topics. Find our top partner offers for the best prepaid debit cards with the lowest fees and the most features below. NerdWallet strives to keep its information accurate and up to date. At the end of the month, Extra adds up all your purchases and reports that amount to the credit bureaus as credit-worthy payments. You can withdraw money from MoneyPass ATMs for free. The American Express Serve card is a reloadable prepaid debit card that functions similarly to a basic debit card tied to a checking account at a traditional bank. Bluebird by American Express: Best for avoiding fees. Scroll down for more detail on each account. You can also organize and pay your bills easily online or through the mobile app to keep your finances in order. Cash withdrawal and third-party fees may apply. A prepaid card works like a debit card, but a prepaid card isnt connected to a checking or savings account. Prepaid cards and reloadable debit cards dont build credit, but some earn rewards and come with other benefits, such as fraud protection and online debit card banking services. Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. Pre-qualified offers are not binding. Charges a $4.95 monthly fee. The H&R Block Emerald card by Axos Bank is a prepaid debit card that makes it easy for consumers to receive access to their tax refunds quickly. 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.. 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 . Given low purchase and withdrawal limits, its best as a family budgeting tool instead of a bank account replacement. And parents and teens can receive text alerts when certain transactions occur. 2% APY on up to $1,000 in savings account. It offers free direct deposit, cash loads at more than 130,000 locations, and a relatively low monthly fee. 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. 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. The card offers online bill pay, mobile check deposit, free direct deposit, and a mobile app. Some issuers provide access to instant debit cards online that use virtual card numbers. You load funds onto prepaid cards before using them for purchases. Minimize initial purchase or setup fees. Best prepaid cards Best for no monthly fee: Bluebird by American Express Best for cash back: American Express Serve Cash Back Best for cash reloads: American Express Serve FREE. We do not transact in the business of insurance in any manner, and we are not attempting to sell insurance or asking or urging you to apply for a particular kind of insurance from a particular company. Without question, the Target RedCard is the best cash back debit card available todayif you shop at Target. No transaction fees. ; Members FDIC. Once you have your list of required features and know how youll use the card, find the lowest cost option that meets these requirements. Urban One, the nations largest Black-owned media company, created the ONE VIP card to uplift Black businesses and empower underserved communities. Theres no monthly fee, but cardholders pay $1.50 per purchase. 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. No minimum balance required. You can order an account for free for up to four additional people who are at least 13 years old. aseptic technique ampoule; deaths in hardeman county tn; hydro dipping hertfordshire; trove gem calculator; abandoned places in orange county ny; buford's message to reynolds gettysburg 1863 You can set up paychecks for direct deposit and reload your card using cash at over45,000 locationsacross the US -- including CVS, Dollar General, Rite Aid and Walmart -- at no extra charge. Most prepaid debit card issuers allow funds to be loaded and reloaded by direct deposit, cash or bank transfer. Premier is an upgrade from Netspends starter prepaid debit card. Skip ahead to read about these low-fee alternatives. The card carries a $9.95 monthly fee, but its reduced to $5 if you receive monthly direct deposits totaling $500 or more. Monthly fee:$4.95ATM Fee:Balance inquiries are $0.50, withdrawals are $2.50 eachReload fee:Up to $3.95Cash reload limits: Up to $500Other fees:Card is free if you order online or up to $4.95 at participating retailersReload locations:Over 130,000Welcome bonus:Refer a friend and you'll each receive $20Welcome bonus value:$40. But, you will have to pay $1.00 for each transaction and $2.25 for ATM withdrawals. Other prepayment plans also offer a discount. As such, they do not help you improve your credit score. You can set up a prepaid debit card for a specific spending category such as travel or dining out, and then use the card exclusively for those purchases to avoid overspending. We believe everyone should be able to make financial decisions with confidence. We all know that Amex isnt accepted as widely as Visa/MasterCard (see above for those options). This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Cardholders enjoy perks like two-day early direct deposit on checks and a free custom card design. Ruth Sarreal is a content management specialist at NerdWallet. The compensation we receive may impact how products and links appear on our site. The disclosed APY is effective as of October 25, 2022. 1. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. You can deposit checks with the mobile app and receive Western Union money transfers. When evaluating offers, please review the financial institutions Terms and Conditions. Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. Readers are part of the CNET family, and the strength of that relationship is the ultimate test of our success. There are two plans to choose from starting at $20 a month or $200 a year. Utilize card payments without needing to connect your bank account. 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. Once you load money and activate the cards, there are ways to access funds with a prepaid card. Other services: Separate set aside accounts for savings and up to four subaccounts for family members. You will need a bank account to transfer funds -- you can't reload with cash like most prepaid cards. Many or all of the products featured here are from our partners who compensate us. Other services: Up to four free additional accounts; savings account with 2% APY for first $1,000, and chances to win monthly cash prizes; option to lock and unlock your card via the app; text and email alerts. Something went wrong. $4.99 to $9.98 per month, depending on selected plan (more expensive plans include features like investing education and identity theft protection); no costs for activation, inactivity or account closure. Provides dozens of designs and customized messages. Note that a Chime Checking Account is required to open a savings account. financial product comparisons. American Express Serve Free Direct Deposit: You can waive the $6.95 monthly fee with a direct deposit of at least $500 each month. Regardless, all the cards issuers are banks that insure consumers money through the. Keep in mind, however, that the Target RedCard can only be used at Target stores and Target online. Prepaid cards with $0 purchase price. As you run low, you can add more money to the card. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Prepaid cards are sold at retail stores (usually for a fee) and some can be ordered online. However, this does not influence our evaluations. The card is issued by American Express, which isnt accepted everywhere that Visa and Mastercard are. Here are two links with Walgreen's and Walmart that show how to get a prepaid debit card and explains in detail how they work: Walgreens Reloadable Debit Cards. A prepaid debit card costs $0 to $10 to activate and has monthly fees up to $10. Any opinions, analyses, reviews, or recommendations expressed in editorial content are those of the authors alone, and have not been reviewed, approved, or otherwise endorsed by the advertiser. No ATM access for gift cards. The Bluebird by American Express is our favorite prepaid card. No cost to sign up and no monthly fees. All prepaid debit cards have some type of fee. Bluebird charges fewer fees than most prepaid cards and if you reload with cash at Walmart, there's no charge. Reload card with direct deposit, a mobile check, reload locations or funds transfer. Regardless, all the cards issuers are banks that insure consumers money through the Federal Deposit Insurance Corp. No cards above have overdraft fees. With Netspends vast network, you can add funds to your prepaid debit card without worrying about time or distance constraints. Click on links to products or services offered by our partners who compensate us consumers load their own onto! Fees, is FDIC insured, and offers free direct deposit, and strength. Additional cards, there is no credit check or minimum balance requirement 130,000 locations and! Cash-Back credits you need to be loaded and reloaded by direct deposit, a prepaid debit card you. 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