Read more, Ruth Sarreal is a content management specialist at NerdWallet. Netspend is an American provider of reloadable prepaid cards, instant virtual debit cards and other financial services. Some require photo identification and charge an activation fee up to $10 for loading the initial funds onto the card. Add funds. No monthly fee with balance over $1,000. Top 5 Best Prepaid Debit Cards 2023. However, not all debt collectors follow these rules, so it's best to avoid postdated checks. Here are the 5 best prepaid debit cards of 2022: Best overall: Bluebird American Express Prepaid Debit account. The cards that made this list had the best combination of these categories. And HomeInsurance.com LLC may receive compensation from third parties if you choose to visit and transact on their website. Some issuers provide access to instant debit cards online that use virtual card numbers. 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. Manage your money from your mobile device through the app. 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. Here is a list of our partners. Serve rewards you with1% back on all your purchases, which hit your account as soon as the transaction settles. You also get a mobile app (Apple or Android) and can receive alerts about your account via text or email. For example, some advertisers pay us to display ads, others pay us when you click on certain links, and others pay us when you submit your information to request a quote or other offer details. offer convenience and dont charge many fees. This card is available in the 11 states where there are Fifth Third branches, which is the only place you can get the card. , NexsCard Visa Prepaid Card, Opt+ Prepaid Visa 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. Note that a Chime Checking Account is required to open a savings account. But in cases that involve government entities, student loans or child support . , Starbucks Rewards Visa Prepaid Card, TD Connect Reloadable Prepaid Visa Card. It also comes with an optional savings account. Charges monthly fees up to $7.95 and ATM fees up to $2.50. Most prepaid debit card issuers allow funds to be loaded and reloaded by direct deposit, cash or bank transfer. You can use it to make transactions and purchase goods. How will we know if we're fulfilling our mission? 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. Cash withdrawal and third-party fees may apply. 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. Charges ATM cash withdrawal fees up to $0.85 per transaction. 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. Prepaid cards are sold at retail stores (usually for a fee) and some can be ordered online. It's easy to get a Visa Prepaid card and there's . You can also organize and pay your bills easily online or through the mobile app to keep your finances in order. Prepaid cards are easy to get. We believe everyone should be able to make financial decisions with confidence. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Chime comes with no monthly fees, no deposit required, no minimum balance, no foreign transaction fees and 60,000+ fee-free~ MoneyPass and Visa Plus Alliance ATMs. Four cards are free on the monthly plan, but more can be added for a one-time $3 fee per card. Best overall prepaid debit card Serve American Express Card Monthly fee: $6.95 ATM Fee: Free at MoneyPass ATMs or $2.50 elsewhere Reload fee: $0 Cash reload limits: $20 to $500 Other. Website. Provides Serve, Serve Free Reloads and Serve Cash Back options. 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. Serve comes with a long list of features: American Express Serve FREE Reloads: Reload cash to the card for free at over 45,000 retail locations. Prepaid debit cards are traceable to an individual. Lastly, you can register your card to protect your funds against fraudulent charges. Use in stores and online. You can use it once online, for example, and then dispose of it. In other words, the money is not immediately taken out of your bank account. The Regions Now Card has zero cash reload fees at over 1,900 ATMs across Regions Banks 15-state service area. 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). And you get an additional 30 days for returns and exchanges. 1Round Ups automatically round up debit card purchases to the nearest dollar and transfers the round up from your Chime Checking Account to into your savings account. A fee of 5% of the deposit amount applies if you load your card with a paper check using ACE Elites app. That way, if someone steals the account number, its of no value as that digital debit card has no balance. No activation fee for online orders. ATM withdrawals: $2.50 fee, plus any operator fees. best prepaid debit card to avoid garnishment. Best with No PIN Transaction Fees: PayPal Prepaid Mastercard. With Walmart Rapid Reload, funds are typically available within 10 minutes. No, a prepaid card is not a credit card or charge card. You can only spend the money you add to the card. Then, look into the benefits each card offers. People trying to avoid judgment creditors often try to convert assets to cash and plan to hide the cash from discovery. Which product would I recommend to my mom or daughter? Best with No Signature Transaction Fees: NetSpend Visa Prepaid Card. A prepaid debit card is like a renewable gift card. RushCard is a prepaid Visa card that lets consumers load their own money onto the card. Its not a prepaid card, its better. 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. ", "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. Regardless, all the cards issuers are banks that insure consumers money through the Federal Deposit Insurance Corp. No cards above have overdraft fees. $7.95 monthly fee is waived if you spend more than $1,000 per month. Separate set aside accounts for savings and up to four subaccounts for family members. 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. Walmart MoneyCenters and Customer Service desks also offer fee-free cash withdrawals. , Greenlight Prepaid Mastercard, H&R Block Emerald Prepaid Mastercard, Mango Visa Prepaid Card, MOVO Virtual Prepaid Visa Card, MyVanilla Prepaid Card. Cynthia Paez Bowman is a finance, real estate and international business journalist. This site does not include all available financial companies or offers. Many of the best reloadable debit cards offer online banking options and mobile apps to track transactions and activity. * It can be waived, however, each month you have a direct deposit of at least $500. Once you load money onto the card, you can make purchases, get cash from ATMs and reload the card whenever you need it. When you use your card for purchases, Extra spots you the money. Best for no monthly fees: Bluebird American Express Prepaid Debit Account. Prepaid debit cards vs. regular debit cards. Multiple accounts under one plan, free and instant FamZoo card-to-card transfers, ability to lock and unlock FamZoo cards, budgeting tools. The all-purpose Visa Prepaid card is a reloadable card you can use in-person and online to: Pay bills. She is based in Portland, Oregon. Prepaid cards are typically associated with a national card network, such as Visa, MasterCard, American Express or Discover. For example, if you must have online bill pay, make sure the cards you consider offer this feature. Some cards in this roundup have nonbank program managers that partner with banks. Copyright 2022 Consumers Unified LLC. In contrast, prepaid gift cards cannot be reloaded. Generally, yes. A prepaid credit card is actually not a credit card but a debit card linked to a bank account. Our advertisers do not direct our editorial content. More from NerdWallet: What is a debit card? Other services: Up to 5 subaccounts, no international ATM withdrawal fee. Without question, the Target RedCard is the best cash back debit card available todayif you shop at Target. Ink Business Unlimited, Chase Sapphire Preferred vs. *Please see site for full terms and conditions. Bluebird by American Express: Best for avoiding fees. The card comes with an online account center where you can manage your money. Do not sell or share my personal information. Temporary virtual card numbers can be generated for the times you need extra privacy, such as when signing up for a free trial that converts into a paid subscription. We value your privacy. 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 Based on recent rules enacted by the Consumer Financial Protection Bureau, prepaid debit cards offer protection if they are lost or stolen which is similar to credit cards. You can accept direct deposits, reload at over 130,000NetSpend Reload Network locationsnationwide or make PayPal transfers for free. We constantly monitor our competition, user activity, and journalistic awards. Charges a $1.95 domestic ATM cash withdrawal fee. ATM withdrawals: Free at ATMs in the MoneyPass network; $2.50 fee at other ATMs, plus any ATM operator fee. Get more smart money moves straight to your inbox. See our criteria for evaluating banks and credit unions. 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.. However, we may receive compensation when you click on links to products or services offered by our partners. Banking services provided by The Bancorp Bank, N.A. The funds you add to the card are available right away for spending. They can pay interest to their young ones to encourage savings. Are you sure you want to rest your choices? CNET editors independently choose every product and service we cover. The pay-as-you-go plan has no monthly fees but costs $1.50 per transaction. A prepaid card functions similarly to a debit card. Bluebird by American Express - Editor's Choice. We all know that Amex isnt accepted as widely as Visa/MasterCard (see above for those options). The prepaid card also offers real-time activity alerts, free card-to-card transfers for allowances and the ability to remotely lock lost cards. 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. Funds transfer instantly, in case your kids are out with friends and need money in a pinch. Some cards are free to acquire, but some have an initial purchase price or activation fee. Reload methods: Direct deposit, debit card transfer, bank transfer. Start by considering the costs associated with each prepaid debit cardsuch as monthly maintenance, ATM, foreign transaction and cash reload fees. Minimum initial load of $25. Parents can transfer funds instantly to a childs account, ideal when paying for chores or allowance. Once you load money and activate the cards, there are ways to access funds with a prepaid card. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Many or all of the products featured here are from our partners who compensate us. However, this does not influence our evaluations. Some of the top cards even offer cashback rewards. You can use your Regions Now card to earn cashback on eligible purchases from select merchants when you activate offers on Regions Banks website or using its mobile app. 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. 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. Unsubscribe at any time. The monthly fee is $7.95, which cant be waived. Best for a spending cushion . The $5 monthly maintenance fee is waived by receiving $500 or more in monthly direct deposits. 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. express the opinions of the author alone, and not those of any credit card issuer. 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). This keeps the monthly fee to just $5, with no fees for purchase transactions. The scoring formulas take into account multiple data points for each financial product and service. You load funds onto prepaid cards before using them for purchases. Credit card reviews and listings However, you can use the card year-round. February 27, 2023 . Note that you need to be 18 years old to qualify for most prepaid debit cards. 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. Best with No Reload Fees: NetSpend Visa Prepaid Card. This influences which products we write about and where and how the product appears on a page. Here is a list of our partners and here's how we make money. 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. Be sure to carefully read the terms and conditions of any card before purchasing. View NerdWallet's picks for the best checking accounts. Even if you dont want to build your credit score, many easy-to-get credit cards come with better perks than even the best prepaid cards. The money on a prepaid debit card is not held in a bank account with your name. This low-fee prepaid card is ideal for those who frequent Walmart. Editorial Note: We earn a commission from partner links on Forbes Advisor. Downsides: Fee to use ATMs; limited methods for reloading funds. Bluebird, issued by American Express, offers more than the average prepaid debit card, and you can load and spend money without paying fees. approved or otherwise endorsed by the credit card advertisers. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. General fees and features: No monthly fees and no costs for online activation or inactivity. Cardholders can load cash onto a prepaid card at retail stores for a fee. General fees and features: You can prepay $59.99 for two years of FamZoo that works out to $2.50 per month. Extra is a debit card, not a prepaid card. She has over a decade of experience writing and editing for consumer websites. Green Dot also offers a plan with a monthly fee for those who don't want to pay a fee per transaction. 3% cash back at Walmart.com and in the Walmart app and other cash back rewards. Service fees may apply to reload at stores. Commissions do not affect our editors' opinions or evaluations. 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 exchange your points for cashback or donate them to the Urban One Community Works Foundation to support communities of color. His work has been featured by USA Today and the Los Angeles Times. products including, but not limited to, credit cards or bank/brokerage accounts. Free withdrawals at Chase ATMs and free cash reload. But, you will have to pay $1.00 for each transaction and $2.25 for ATM withdrawals. sonicwave 231c non responsive Uncovering hot babes since 1919.. best prepaid debit card to avoid garnishment. 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. NerdWallet's ratings are determined by our editorial team. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor. American Express also offers direct deposits up to two days faster than scheduled. FamZoo Prepaid Card: Best for parents (tie). Monthly fee:$0ATM Fee:$2Reload fee:NoneCash reload limits:Two deposits per day (up to $4,000) and no more than four deposits per rolling 30-day period (up to $8,000)Other fees:Order a physical Cash Card for $2.95Reload locations:3.5 million in-network ATMs; participating retailers. 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. Finally, get paid up to 2 days faster with direct deposit. Fifth Third Access 360 Reloadable Prepaid Card: Best for ATM withdrawals. Access to Chase Mobile banking and account alerts. No purchase fee. Prepaid debit cards let you enjoy the convenience of paying by card without a line of credit or a bank account. Typically, with credit card debt, your creditor has to sue you in court and win before a wage garnishment can happen. Skip ahead to read about these low-fee alternatives. Up to 5 subaccounts, no international ATM withdrawal fee. 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. It's the closest thing to a checking account of all the prepaid cards compared. Check out NerdWallets best free checking accounts. See our list of the best savings accounts. Unlimited cash back account earns 3% cash back plus 3% APY for savings. Urban One, the nations largest Black-owned media company, created the ONE VIP card to uplift Black businesses and empower underserved communities. No cost to sign up and no monthly fees. Best with No ATM Fees: Serve American Express Prepaid Debit Account. 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. ", "Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Something went wrong. We also looked at two alternative, or nontraditional, banking accounts: Spencer Tierney is an expert on certificates of deposit at NerdWallet. No free ATM network; maximum monthly fee is higher than average; no mobile check deposit feature. Theres no credit check required to get a prepaid card, and theyre often available even if you cant get a bank account because of a bad banking history. Information provided on Forbes Advisor is for educational purposes only. Our list of the best prepaid debit cards should satisfy just about any financial situation. You can weed out the bad apples and narrow down your choices by taking the time to comparison shop. Read on to learn why we picked each card, its pros and cons and important information you should know before applying. 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. 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. Some of the most common reasons people end up regretting their prepaid cards are high fees, inconvenient funding and reloading methods. Card must be linked to PayPal account. This prepaid card can be used online or in any stores that accept MasterCard debit cards. 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. 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. No wire transfers. When evaluating offers, please review the financial institutions Terms and Conditions. Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. Here are seven steps toward getting the best deal. Message. Walmart Money Cards. Banking services and debit card provided by The Bancorp Bank, N.A. You can try the card for free for the first month. The Amex Platinum Card, Chase Sapphire Preferred vs. Blue Cash Preferred, Ink Business Cash vs. Earn up to 1% cash back. You can buy prepaid cards at most grocery and convenience stores, online and over the phone. 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. The one drawback to this card is that there are no free ATM withdrawalsthey cost $2.50 each. For budgeting purposes, it has a couple of important additional features. Check your account balance, review transactions and load checks through the app. 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. Best for no monthly fees: Bluebird American Express Prepaid Debit Account Heres why: A lot of prepaid cards charge various fees. 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. No, a prepaid credit card is a prepaid card in other words, the RedCard. Back plus 3 % APY for savings see our criteria for evaluating banks and credit unions app other. Ideal for those who frequent Walmart in monthly direct deposits postdated checks them for purchases to remotely lost! In monthly direct deposits, reload at over 1,900 ATMs across Regions banks 15-state service.! Isnt accepted as widely as Visa/MasterCard ( see above for those who frequent Walmart issuers provide to. Are sold at retail stores for a one-time $ 3 fee per.... Combination of these categories and activity NexsCard Visa prepaid card: best for no monthly fees: PayPal MasterCard... Non responsive Uncovering hot babes since 1919.. best prepaid debit account by the Bancorp bank, N.A the. How we make money a decade of experience writing and editing for consumer websites or otherwise endorsed by the bank. Of Forbes Advisor is for educational purposes only and cash reload fees applying! 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