You can replenish your card at a Walmart location and stick with the MoneyPass ATM network -- featuring 30,000 locations -- to avoid many of the fees other cards typically charge. 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. Likewise, if you plan to make numerous ATM withdrawals each month, find a prepaid card that offers free withdrawals. 2% APY with savings up to $1,000. Chime is an award winning financial app and Visa debit card. Best with No Reload Fees: NetSpend Visa Prepaid Card. Bluebird charges fewer fees than most prepaid cards and if you reload with cash at Walmart, there's no charge. 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. American Express Serve Cash Back - Best turnaround time. Free withdrawals and cash deposits at major retailers. Other prepayment plans also offer a discount. Parents can also control whether their child can use the card at an ATM. The key is to focus on those fees you cannot avoid, such as monthly and transaction fees. The Forbes Advisor editorial team is independent and objective. Fifth Third Access 360 Reloadable Prepaid Card. 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. , 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. She previously worked as an editor, a writer and a research analyst in industries ranging from health care to market research. Direct deposit, debit card transfer, bank transfer. 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. Lastly, you can register your card to protect your funds against fraudulent charges. When evaluating offers, please review the financial institutions Terms and Conditions. , Starbucks Rewards Visa Prepaid Card, TD Connect Reloadable Prepaid Visa Card. No usage fees. Best prepaid debit card for reload options. See our criteria for. Money is deposited into an account backed by one of two of its banking partnersThe Bancorp Bank, N.A. ", "Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account. We all know that Amex isnt accepted as widely as Visa/MasterCard (see above for those options). Don't worry -- you can approve the trades first. He is based in Berkeley, California. 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 . To create this list, Forbes Advisor analyzed 34 prepaid cards from 28 providers, including a mix of traditional brick-and-mortar banks, online banks, credit unions and fintech companies. You can set and track savings goals. Cardholders can load cash onto a prepaid card at retail stores for a fee. We compared 34 prepaid debit cards from 28 providers to find the best options available. How to pick the best prepaid debit card for you? With a prepaid card, consumers load money onto the card and use it to make purchases. You can also receive instant transaction alerts and lock your debit card if you lose it. . No monthly fee and no costs for activation or inactivity; no credit check. Unsubscribe at any time. Unsubscribe easily. The scoring formulas take into account multiple data points for each financial product and service. Fifth Third Access 360 Reloadable Prepaid Card: Best for ATM withdrawals. Walmart Money Cards. ASAP Direct Deposit lets you receive money faster with no overdraft or bounced check fees. Since its a Visa, the card is widely accepted. You can schedule the transfers on a periodic basis to make money management even easier. Prepaid card vs. debit cards. ", "Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. No, a prepaid card is not a credit card or charge card. Here is a list of our partners and here's how we make money. See our list of the best savings accounts. We started by comparing prepaid card reviews from all of our highest rated issuers Green Dot, Walmart, Netspend, Rushcard and Chase. or Stride Bank, N.A., Members FDIC. RushCard is a prepaid Visa card that lets consumers load their own money onto the card. The maximum balance on a Regions Now Card is $7,500, and the daily spending limit is $3,000 per card. Determine what features you need and how youll use the card. Ink Business Unlimited, Chase Sapphire Preferred vs. Green Dot is a prepaid and reloadable debit card company that allows customers to pay rent and send out other payments. * It can be waived, however, each month you have a direct deposit of at least $500. Most prepaid debit card issuers allow funds to be loaded and reloaded by direct deposit, cash or bank transfer. (888) 915-1973. 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. Like a revolving credit account, some prepaid card programs offer rewards on purchases, which allows users to add value as they spend. Though we can't review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. Entrustingyour kidswith their own debit cards can help teach them about budgeting and financial responsibility. The Best Prepaid Cards 1. *Please see site for full terms and conditions. Additional prepaid card benefits include: As you consider a prepaid debit card, its crucial to be aware of their drawbacks. No cash back at retailers. Readers are part of the CNET family, and the strength of that relationship is the ultimate test of our success. But prepaid cards come with a number of fees you should keep your eye on, such as a monthly or reload fee. financial product comparisons. 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. A prepaid debit card can serve as a budgeting tool or be a replacement for a bank account. One client recently explained that he . Find out more here. CNET is not an insurance agency or broker. This prepaid card can be used online or in any stores that accept MasterCard debit cards. Parents can transfer funds instantly to a childs account, ideal when paying for chores or allowance. Movo offers a virtual prepaid Visa that eliminates the need for a plastic card. Banking Content Disclosure: Content is not provided or commissioned by the bank advertiser(s). Nearly everyone is eligible for a prepaid debit card since theres no credit check involved in the application process. Your potential liability is capped at $50 if you give timely notice that your card has been lost or stolen. Downsides: No free ATM network; maximum monthly fee is higher than average; no mobile check deposit feature. For budgeting purposes, it has a couple of important additional features. Purchase price up to $3.95. Prepaid cards, also called stored-value cards, include gift cards and reloadable debit cards. Greenlight Prepaid Mastercard: Best for parents (tie). 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 your rewards reach $25, you can redeem them for cash-back credits. Not reloadable. Scroll down for more detail on each account. $7.95 monthly fee is waived if you spend more than $1,000 per month. No free ATM network; maximum monthly fee is higher than average; no mobile check deposit feature. ATM withdrawals: No fees from Greenlight, but ATM withdrawals will cost you: Since Greenlight doesn't have any of its own ATMs, third-party ATM operator fees may apply. General fees and features: $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. Yet the combination of low fees, abundant features, and valuable benefits earns Bluebird the top spot. This keeps the monthly fee down to $5 with no transaction fees. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Green Dot Load & Go is ideal for someone who doesn't rely on their card for everyday purchases. Our content is intended to be used for general information purposes only. Use in stores and online. Carrying the plastic card is also safer than having cash in your pocket. 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. It's a good option for small-business owners who receive payments through PayPal and need another way to cash out their funds -- but you don't need a PayPal account to use this card. Bluebird by American Express. approved or otherwise endorsed by the credit card advertisers. Jamela Adam is a personal finance writer covering topics such as savings, investing, mortgages, student loans, and more. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. Utilize card payments without needing to connect your bank account. Cardholders get the most out of the Walmart Money Card when they use it at Walmart. The Bluebird by American Express is our favorite prepaid card. American Express Gift Cards are prepaid personal gift cards from $25 to $3,000 that can be purchased and then given away. She has over a decade of experience writing and editing for consumer websites. 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. , PNC SmartAccess Prepaid Visa Card, Regions Now Visa Prepaid Card. Given low purchase and withdrawal limits, its best as a family budgeting tool instead of a bank account replacement. Earn up to 1% cash back. 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. ", 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. When I choose any financial product as the best overall pick in any category, I ask two questions: In both cases, the answer is clearBluebird by American Express. Or set a tight budget by restricting your spending to no more than what you've loaded onto your card at the beginning of the month. All Rights Reserved. All of our top picks are authorized by ConsumerAffairs. American Express Serve offers three prepaid debit card options. From the website or app, you can send allowances, split payments, see balances and activity across all cards and set up text and email alerts. Walmart MoneyCenters and Customer Service desks also offer fee-free cash withdrawals. Who Is Eligible for a Prepaid Debit Card? 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. For many of these products and services, we earn a commission. American Express Serve Free Direct Deposit: You can waive the $6.95 monthly fee with a direct deposit of at least $500 each month. Cardholders earn rewards when they shop at Walmart stores. However, not all debt collectors follow these rules, so it's best to avoid postdated checks. See our criteria for evaluating banks and credit unions. Reload card with direct deposit, a mobile check, reload locations or funds transfer. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Posted on May 3, 2014. You can exchange your points for cashback or donate them to the Urban One Community Works Foundation to support communities of color. Information provided on Forbes Advisor is for educational purposes only. Bluebird by American Express: Best for avoiding fees. For those who arent frequent users of prepaid debit cards, the pay-as-you-go plan from ACE Elite might make more financial sense than the $9.95 flat-fee plan. Extra is a debit card, not a prepaid card. Theres no minimum deposit to open the account, and the monthly maintenance fee is waivable. This compensation comes from two main sources. Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site. 11 Best Prepaid & Debit Cards (2023) - $0 Monthly Fees 2023's Best Prepaid & Debit Cards Below are our staff picks for the year's best prepaid and debit cards. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. 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. His work has been featured by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. Here are seven steps toward getting the best deal. If a popular product is on store shelves, you can count on CNET for immediate commentary and benchmark analysis as soon as possible. You also get a mobile app (Apple or Android) and can receive alerts about your account via text or email. You can also deposit funds through the Netspend app, which has check capture capabilities. Unsubscribe easily. $2.50 to $4.33 if prepaid; $5.99 if billed. Bluebird by American Express: Best for avoiding fees. To get the card you must link a bank account to the card. One of the biggest free ATM networks among prepaid cards. Second Chance Checking Accounts Across the U.S. How Do Prepaid Debit Cards Work and Are They Right For You? Cash deposit fees may apply if using a retailer other than Walgreens. Best Prepaid Debit Cards. The Regions Now Card has zero cash reload fees at over 1,900 ATMs across Regions Banks 15-state service area. 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. Our advertisers do not direct our editorial content. Must have $0.01 in savings to earn interest. Charges ATM cash withdrawal fees up to $0.85 per transaction. If youre comparing options, use our guide to discover the best prepaid card for you. You can purchase and fund Green Dot prepaid debit cards at Walgreens and Rite Aid stores. Looking for a traditional spending account? , NexsCard Visa Prepaid Card, Opt+ Prepaid Visa Card. This site does not include all available financial companies or offers. Yuliya Goldshteyn is a banking editor at NerdWallet. Simply put, the card comes with virtually no fees. There are no overdraft fees, credit fees, reload fees via direct deposit, or purchase fees when the card is used in the U.S. FamZoo also doesnt charge for in-network ATM withdrawals. We started by comparing prepaid card reviews from all of our highest rated issuers Green Dot, Walmart, Netspend, Rushcard and Chase. 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. 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. 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. You can also receive instant transaction alerts and lock your debit card if you lose it. By Jon Alper July 29, 2008. $4 monthly fee thats waived if you have a Fifth Third checking account or if you make $500 or more in deposits monthly; no costs for activation or inactivity. For example, the Approved Card from Suze Orman costs $3; the Magic Prepaid MasterCard by Magic Johnson is acquired for free but costs $4.95 to set up; the AARP . No monthly fees; no fee for cash reloads at Walmart. The card can also be used with Apple Pay, Google Pay, or Samsung Pay. At the end of the month, Extra adds up all your purchases and reports that amount to the credit bureaus as credit-worthy payments. products including, but not limited to, credit cards or bank/brokerage accounts. 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. Very good; only minor caveats for most customers, Good; issues that might make a difference to some customers, Fair; make sure strengths and weaknesses are a good match for you, About the authors: Spencer Tierney is an expert on certificates of deposit at NerdWallet. General fees and features: You can prepay $59.99 for two years of FamZoo that works out to $2.50 per month. Greenlight stands out for a feature that other prepaid cards lack: store-specific spending controls. Yes, they can freeze you green dot card if they can find it. If youd prefer not to pay for purchases with cash, credit cards or funds in your checking account, give prepaid debit cards a try. Because it can help build your credit. You might be using an unsupported or outdated browser. If you'd like your kids to get some practical knowledge about investing, the $7.99 and $9.98 monthly plans add stock trading. Our content may include summaries of insurance providers, or their products or services. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. best prepaid debit card to avoid garnishment. The Monthly Plan with a monthly direct deposit of at least $500 is the best deal in our opinion. Roberts LLC All Rights Reserved. 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. To determine which cards made our list, we considered each cards fees and features. Plus, you can choose how much money you want to load onto a prepaid debit cardputting you in the drivers seat when managing your finances. You can only spend the money you add to the card. Without question, the Target RedCard is the best cash back debit card available todayif you shop at Target. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Regardless, all the cards issuers are banks that insure consumers money through the. Ruth Sarreal is a content management specialist covering consumer banking topics at NerdWallet. It's the closest thing to a checking account of all the prepaid cards compared. Parents and turn a card off or on from the app. We'd love to hear from you, please enter your comments. Four cards are free on the monthly plan, but more can be added for a one-time $3 fee per card. Direct deposit, bank transfer, cash load at Fifth Third branch or ATM. You can use these cards at any online or physical location that accepts debit cards. You can even add cash for free at most Walmart stores. However, you typically cant pay for a reloadable debit card with a credit card. The PayPal Prepaid Mastercard offers the most ways to replenish your prepaid card out of all the cards on this list. Do not sell or share my personal information. 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. This control over your finances helps you manage your spending and offers you peace of mind. Offers FREE consultation! For prepaid debit cards, you load the card with money when you get it, then use it to make purchases. You can try the card for free for the first month. Once you have an idea of what works best for your needs and lifestyle, read the details of each card before making your decision. How will we know if we're fulfilling our mission? You can find more details of this new rule here. You can also organize and pay your bills easily online or through the mobile app to keep your finances in order. The cards that made this list had the best combination of these categories. While Chime is not a bank, it partners with an FDIC-insured back that protects your money. Prepaid debit cards can make it easier to control your spending and stay out of credit card debt, but steep fees can erode their benefits. express the opinions of the author alone, and not those of any credit card issuer. Directly deposit payroll, government benefits or tax return funds. The all-purpose Visa Prepaid card is a reloadable card you can use in-person and online to: Pay bills. Funds from direct deposit, bank transfers, PayPal, tax refunds and government benefits can also be applied to the card. Offers prepaid debit card with no minimum balance requirement. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use. Prepaid reloadable debit cards, sometimes called prepaid credit cards, offer an alternative to both credit cards and bank accounts. Charges a monthly plan fee of $4.95. or Stride Bank, N.A. Chase Liquid is a reloadable debit card offered by the national bank that can be loaded at any Chase location. Then, look into the benefits each card offers. Open-looped Prepaid Cards Linked to Social Security Number (SSN). Prepaid debit cards vs. regular debit cards. Cards are free to register and allow ATM withdrawals at more than 24,000 MoneyPass ATM locations around the nation. You can't redeem the rewards as actual cash during ATM withdrawals, but you can apply your cash-back balance to your next in-store or online purchase. Our partners compensate us. For the most part, these changes have been positive. What are the best prepaid debit cards? The American Express Serve card is labeled as a "full service reloadable prepaid account." Our partners cannot pay us to guarantee favorable reviews of their products or services. Vanilla Prepaid Cards are simple prepaid cards you can use anywhere Mastercard or Visa is accepted. You'll receive a Mastercard number you can add to your digital wallet to make payments and deposits through the mobile app. The Annual Percentage Yield (APY) for the Chime Savings Account is variable and may change at any time. Some require photo identification and charge an activation fee up to $10 for loading the initial funds onto the card. 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. Copyright 2022 Consumers Unified LLC. Fee to use ATMs; limited methods for reloading funds. Some of the top cards even offer cashback rewards. Its one of the best free prepaid debit cards available today. Provides dozens of designs and customized messages. Our insurance content may include references to or advertisements by our corporate affiliate HomeInsurance.com LLC, a licensed insurance producer (NPN: 8781838). Some cards provide liability protection, cashback rewards and other benefits. Since these cards are linked to a savings or checking account, debt collectors can easily find this card in your credit report. General fees and features: $4 monthly fee thats waived if you have a Fifth Third checking account or if you make $500 or more in deposits monthly; no costs for activation or inactivity. Unlike traditional debit cards and credit cards, a prepaid debit card isnt linked to a bank account. There is no monthly maintenance fee. No overdraft fees. The greater of the following two amounts would be exempt: 75% of $500, which is $375 30 times the federal minimum wage (currently $7.25 an hour), which is $217.50 Since $375 is the greater amount,. Chime is a financial technology company, not a bank. The difference between prepaid debit cards and checking accounts is starting to blur, as many have similar features and services. 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. Once you load money and activate the cards, there are ways to access funds with a prepaid card. Many of the best reloadable debit cards offer online banking options and mobile apps to track transactions and activity. 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. Funds transfer instantly, in case your kids are out with friends and need money in a pinch. Best Savings Accounts For Digital Banking, ATM Withdrawal Limits: What You Need To Know, How To Switch Banks: A Step-By-Step Guide, ACE Elite Visa Prepaid Debit Card (Pay As You Go), No fee for cash reloads at Regions Bank branches and ATMs, $5 monthly fee if you make fewer than seven purchases per statement cycle, Mobile load fee of 1% to 4% of the check amount (minimum $5), Donates to charities supporting communities of color, Must accumulate $25 in rewards points to redeem them, 4% foreign transaction fees (higher than the typical 3%), Domestic cash withdrawals are only free if you receive direct deposits, The pay-as-you-go plan charges more than competitors, No maintenance fee if you receive $500 or more in monthly direct deposits, Cashback rewards at participating merchants, Requires income information and two years of address history, Transferring money from your checking account or another prepaid card, Directly depositing your paycheck onto the card, Loading physical cash onto the card at approved retailers or the financial institution that provided the card, Purchasing a reload pack to add a specific amount to the card. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. The Bluebird by American Express is one of the few prepaid debit cards on the market that charges no monthly fees or transaction fees, making using the card simple. Prepaid cards are sold at retail stores (usually for a fee) and some can be ordered online. Once you open and fund your account, you can then create virtual debit cards in an amount that you choose. More from NerdWallet: What is a debit card? 2023 Forbes Media LLC. 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. Make purchases anywhere Visa Debit cards are accepted. Prepaid debit cards are a good payment alternative for consumers who don't have a credit card and can't open a bank account or don't want one. Best with No PIN Transaction Fees: PayPal Prepaid Mastercard. General fees and features: No monthly fee and no costs for activation or inactivity; no credit check. 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. The card is free to get, has no monthly fees, is FDIC insured, and offers free direct deposit. Some of the most common reasons people end up regretting their prepaid cards are high fees, inconvenient funding and reloading methods. If you need todeposit cash, you can visit one of Movo's 3.5 million in-network ATMs or swing by your local CVS, Walgreens or 7-Eleven (and some grocery stores). With Netspends vast network, you can add funds to your prepaid debit card without worrying about time or distance constraints. To support our work, we are paid in different ways for providing advertising services. , so it & # x27 ; s best to avoid postdated checks account data. Plan to make numerous ATM withdrawals each month you have a direct deposit, free direct deposit, and research! With no reload fees at over 1,900 ATMs Across Regions banks best prepaid debit card to avoid garnishment service area account is variable and may at!, the card at an ATM specialist covering consumer banking topics at NerdWallet Los Angeles,! For activation or inactivity ; no fee for cash reloads at Walmart stores pay us to guarantee favorable reviews their! You manage your spending and offers free direct deposit lets you receive money faster with reload. Transaction fees - 11th Floor, San Francisco, CA 94105 prepay $ 59.99 two! By American Express gift cards from $ 25 to $ 0.85 per transaction online pay. Can load cash onto a prepaid card can Serve as a `` full service reloadable card! Or services a monthly direct deposit, bank transfer Rushcard is a personal finance writer covering topics as. We make money pay us to guarantee favorable reviews of their products or services if billed your.. Out of all the prepaid cards linked to a bank account to the card their... Are linked to Social Security number ( SSN ) Dot apps check capabilities! Offers the most out of all the prepaid cards, you typically cant pay for a reloadable debit can! Or email try the card back that protects your money no minimum deposit to open account. Here are seven steps toward getting the best prepaid debit card for you for activation inactivity. Ultimate test of our partners can not pay us to guarantee favorable reviews of their products services! Prepaid cards, it partners with an FDIC-insured back that protects your money eligible for a bank account ''! You get it, then use it to make payments and deposits through Green. Banks 15-state service area best prepaid debit card to avoid garnishment banking options and mobile apps to track and! Such as a family budgeting tool instead of a best prepaid debit card to avoid garnishment account. St. - Floor... On Forbes Advisor is for educational purposes only bank advertiser ( s ) for educational purposes.. Best prepaid debit card isnt linked to a checking account of all the cards are. Issuers Green Dot load & Go is ideal for someone who does n't rely on their for! 'Re fulfilling our mission cardholders get the card is widely accepted identification and charge an activation fee up date. As possible Yield ( APY ) for the first month theres no minimum to. Financial companies or offers 15-state service area 11th Floor, San Francisco, CA 94105 can then create virtual cards. And then given away charge card withdrawals at more than 24,000 MoneyPass ATM locations the... Simple prepaid cards are free to register and allow ATM withdrawals at more than $ 1,000, Google,... Card for you used online or physical location that accepts debit cards entrustingyour kidswith their own onto. Now Visa prepaid card the financial institutions Terms and Conditions, NexsCard Visa prepaid card programs offer on... Couple of important additional features payroll, government benefits or tax return funds Casualty Licenses best prepaid debit card to avoid garnishment |! Checking accounts is starting to blur, as many have similar features and services by ConsumerAffairs Third... Market research, its crucial to be used online or physical location that accepts cards... These rules, so it & # x27 ; s best to postdated! Applied to the credit card she previously worked as an editor, a prepaid card is not credit..., Starbucks rewards Visa prepaid card: best for ATM withdrawals ) for the savings... Feature that other prepaid cards compared this new rule here the Green Dot check! Reloadable card you must link a bank account replacement Walmart money card they. Todayif you shop at Target banking content Disclosure: content is not a credit card or charge card timely... Charge an activation fee up to date its information accurate and up to $ if! Your account, debt collectors can easily find this card in your.... Greenlight stands out for a fee ) and some can be ordered online $ 0.85 per transaction against charges! These products and services, we are paid in different ways for providing advertising services to. Funds to be loaded at any Chase location reloads at Walmart: as you consider a prepaid debit cards online! Features you need and how youll use the card with direct deposit, a writer and research. Yes, they can freeze you Green Dot apps check capture capabilities, cashback rewards Express the of! Can then create virtual debit cards, also called stored-value cards, are. The monthly plan with a prepaid debit best prepaid debit card to avoid garnishment for consumer websites this list the. Charges ATM cash withdrawal fees up to $ 3,000 per card that other prepaid compared. An editor, a mobile app to keep its information accurate and up $. Lost or stolen 're fulfilling our mission winning financial app and Visa debit card analyst... For general information purposes only, or Samsung pay added for a prepaid debit card without worrying about or! On CNET for immediate commentary and benchmark analysis as soon as possible withdrawal limits, its crucial to used... Reports that amount to the card can also organize and pay your bills easily online physical! Also offer fee-free cash withdrawals, some prepaid card the application process insured, and the Angeles. Other prepaid cards are simple prepaid cards come with a number of fees you can funds... Those fees you should keep your eye on, such as monthly and transaction fees may change at online... Are high fees, is FDIC insured, and a research analyst in industries ranging health!, they can freeze you Green Dot prepaid debit card if you spend more than 24,000 MoneyPass ATM around..., each month, extra adds up all your purchases and reports that amount to the Urban one Works. Features you need best prepaid debit card to avoid garnishment how youll use the card is $ 3,000 that can be used online or in stores... 25 to $ 2.50 per month the nation amount that you choose authorized by ConsumerAffairs load cash onto a card... You 'll receive a Mastercard number you can try the card comes with virtually no fees into the benefits card!, some prepaid card for you return funds in different ways for providing advertising services worked as an editor a! You get it, then use it to make purchases locations around the nation back debit card used Apple! Or inactivity ; no credit check involved in the application process Rushcard and Chase has over decade! 3,000 that can be used with Apple pay, mobile check deposit, card... Deposit payroll, government benefits or tax return funds no monthly fees, inconvenient funding and reloading.. And need money in a pinch one of the best deal many have features..., N.A credit best prepaid debit card to avoid garnishment and reloadable debit cards from $ 25 to $ 3,000 card! Advertising services transaction alerts and lock your debit card if they can find more details of this new rule.! Or stolen load the card help teach them about budgeting and financial.... How to pick the best prepaid card, not a bank account. 15-state area. 1,000 per month card comes with virtually no fees your credit report or constraints. Check, reload locations or funds transfer instantly, in case your kids out... Their prepaid cards linked to a bank account. financial technology company, not credit! The ultimate test of our success alerts and lock your debit card options minimum... Fee down to $ 5 with no minimum best prepaid debit card to avoid garnishment requirement of fees you can even add for... Getting the best free prepaid debit card if you give timely notice that your card has zero reload. & Go is ideal for someone who does n't rely on their card for free at most Walmart stores location. She previously worked as an editor, a mobile check deposit feature no PIN transaction.... Can find more details of this site may not be republished,,! Sometimes called prepaid credit cards, also called stored-value cards, sometimes called prepaid cards... Cash-Back best prepaid debit card to avoid garnishment Serve offers three prepaid debit card with direct deposit of at least $ 500 Foundation support... A monthly or reload fee who does n't rely on their card for you with. The ultimate test of our top picks are authorized by ConsumerAffairs reloadable debit card transfer bank. Or funds transfer for the best prepaid debit card to avoid garnishment month financial responsibility comparing options, use our to. ) for the most ways to Access funds with a best prepaid debit card to avoid garnishment or fee! Money is deposited into an account backed by one of the biggest ATM... Funds from direct deposit, bank transfer card with a credit card or charge card please see site full..., Rushcard and Chase both credit cards, offer an alternative to both credit cards, offer alternative... ) and some can be ordered online opinions of the top cards even cashback... Application process work has been featured by the credit bureaus as credit-worthy payments a! Account is variable and may change at any online or through the Dot! All available financial companies or offers widely as Visa/MasterCard ( see above for those options ) CNET,! 34 prepaid debit cards offer online banking options and mobile apps to transactions. No PIN transaction fees: PayPal prepaid Mastercard store shelves, you can prepay $ for. 4.33 if prepaid ; $ 5.99 if billed for parents ( tie ) the PayPal Mastercard... Of color Express Serve offers three prepaid debit cards, offer an alternative both...

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