We examined nearly 70 options to help you find the best prepaid debit cards. You can also receive instant transaction alerts and lock your debit card if you lose it. Cards are free to register and allow ATM withdrawals at more than 24,000 MoneyPass ATM locations around the nation. There is no monthly maintenance fee. best prepaid debit card to avoid garnishment. It works with Apple Pay, and there are no transaction fees, foreign transaction fees or overdraft fees. 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 is a list of our partners. We are an independent publisher. Jamela Adam is a personal finance writer covering topics such as savings, investing, mortgages, student loans, and more. Additional prepaid card benefits include: As you consider a prepaid debit card, its crucial to be aware of their drawbacks. When evaluating offers, please review the financial institutions Terms and Conditions. 6 of 11. Prepaid cards, also called stored-value cards, include gift cards and reloadable debit cards. All you need to do is provide basic information, such as your name, address and Social Security number, then add funds to the card of your choice to start using it. 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. And you get an additional 30 days for returns and exchanges. Monthly fee:$6.95ATM Fee:Free at MoneyPass ATMs or $2.50 elsewhereReload fee:$0Cash reload limits:$20 to $500Other fees:Card purchase is $1.50 at retail stores or free if ordered onlineReload locations:Over 45,000 across the US. Something went wrong. General fees and features: No monthly fee and no costs for activation or inactivity; no credit check. A prepaid card is relatively easy to get there is no credit check or minimum balance requirement. 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. The 5% cash back applies to in-store Starbucks purchases and speciality gift cards. 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. So how do we make money? You can use these cards at any online or physical location that accepts debit cards. 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. She owns and operates a small digital marketing and public relations firm that works with select startups and women-owned businesses to provide growth and visibility. Once you open and fund your account, you can then create virtual debit cards in an amount that you choose. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. Like a revolving credit account, some prepaid card programs offer rewards on purchases, which allows users to add value as they spend. A prepaid debit card is not linked to a bank account, so you can only spend as much as the available balance. Walmart MoneyCard Visa with Cash-Back Rewards, Walmart MoneyCard MasterCard with Cash-Back Rewards, Netspend Small Business Prepaid Mastercard, Netspend Prepaid Mastercard Proud Partner of MLB, Fifth Third Access 360 Reloadable Prepaid Card, CUMONEY Visa Everyday Spend Prepaid Card, Unlimited Cash Back Bank Account by Green Dot, Community Financial Resources Prepaid Debit Card. ASAP Direct Deposit lets you receive money faster with no overdraft or bounced check fees. No minimum balance required. Here's why: A lot of prepaid cards charge various fees. This prepaid, reloadable card is family-friendly. Cardholders earn 3% back when they shop at Walmart.com, 2% back at Walmart gas stations and 1% back at Walmart stores for up to $75 cash back each year. The Netspend Prepaid Card boasts an impressive network of more than 130,000 locations nationwide for cash reloads. This low-fee prepaid card is ideal for those who frequent Walmart. Service fees may apply to reload at stores. There is a $5.94 monthly fee. General fees and features: No monthly fees and no costs for online activation or inactivity. Some cards in this roundup have nonbank program managers that partner with banks. Some of the top cards even offer cashback rewards. Note that a Chime Checking Account is required to open a savings 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. In some cases, most fees can be avoided based on how you use the card. 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 also organize and pay your bills easily online or through the mobile app to keep your finances in order. ATM withdrawals: 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. One client recently explained that he . . However, you can withdraw cash without a fee from Walmart MoneyCenters or the Customer Service desk. Check your account balance, review transactions and load checks through the app. 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. The app, which gets decent ratings, is required to get fee-free cash reloads at Walmart stores. Website. . 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 Find out more here. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Past performance is not indicative of future results. The cards that made this list had the best combination of these categories. These consumers are often referred to as the underbanked'' because they lack access to traditional bank accounts. We value your privacy. to make sure our coverage is fair and accurate, so you can choose the financial accounts that work best for you. Savings will earn 2% APY on up to $1,000 on the card enrollment anniversary. Walmart MoneyCenters and Customer Service desks also offer fee-free cash withdrawals. Charges ATM cash withdrawal fees up to $0.85 per transaction. All Rights Reserved. But generally, the options include adding cash at a retail register (often for a fee), adding funds by using an app to make a mobile check deposit, and by direct deposit, card-to-card transfer and bank transfer. The ACE Elite Visa Prepaid Debit Card lets you choose among its Pay As You Go Plan, a monthly plan, or a reduced monthly plan. You get free 2-day shipping on thousands of items from Target. See our criteria for. With Netspends vast network, you can add funds to your prepaid debit card without worrying about time or distance constraints. February 27, 2023 . Some cards in this roundup have nonbank program managers that partner with banks. With no monthly fees, this plan only charges $1.50 per purchase. He is based in Berkeley, California. She earned a bachelor's degree in history from the University of California, Berkeley and a master's degree in social sciences from the University of Chicago, with a focus on Soviet cultural history. , NexsCard Visa Prepaid Card, Opt+ Prepaid Visa Card. Advertising Disclosure: allCards.com is an independent, advertising-supported blog offering Separate set aside accounts for savings and up to four subaccounts for family members. For example, if you must have online bill pay, make sure the cards you consider offer this feature. Cardholders get the most out of the Walmart Money Card when they use it at Walmart. You can withdraw money from MoneyPass ATMs for free. You can order an account for free for up to four additional people who are at least 13 years old. $2.50 to $4.33 if prepaid; $5.99 if billed. Greenlight stands out for a feature that other prepaid cards lack: store-specific spending controls. 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. Parents and turn a card off or on from the app. The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. : 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). 2023 Forbes Media LLC. Chime is an award winning financial app and Visa debit card. But unlike debit cards, prepaid cards are not linked to any bank account. You can also easily transfer funds to friends and family members who have a Movo account. (Retailers other than Walmart may charge up to $3.95.). 2% APY with savings up to $1,000. We ask that you inform us whenever you find an error, spot a gap in our coverage, or have any other suggestions for improvement. 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. $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. Prepaid cards with $0 purchase price. For features, we looked at each cards money management tools, mobile apps, and customer service. 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). For fees, we focused on those fees that were unavoidable, such as required monthly maintenance fees. Our opinions are our own. 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. , Greenlight Prepaid Mastercard, H&R Block Emerald Prepaid Mastercard, Mango Visa Prepaid Card, MOVO Virtual Prepaid Visa Card, MyVanilla Prepaid Card. Our advertisers do not direct our editorial content. If you buy a prepaid card online, you might be issued a virtual card to use until you get your new card in the mail. No monthly fees; no fee for cash reloads at Walmart. The best prepaid cards offer convenience and dont charge many fees. Do not sell or share my personal information. The card comes with an online account center where you can manage your money. Read on to learn why we picked each card, its pros and cons and important information you should know before applying. Prepaid card vs. debit cards. American Express Serve Pay As You Go: There is no monthly fee for this card. 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. All financial products, shopping products and services are presented without warranty. 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