This information may be different than what you see when you visit a financial institution, service provider or specific products site. Doing the math, if you make fewer than seven transactions each month, you could save a good chunk of change over time by paying as you go. She is based in Portland, Oregon. There is a $5.94 monthly fee. The card is free to get, has no monthly fees, is FDIC insured, and offers free direct deposit. Be sure to carefully read the terms and conditions of any card before purchasing. We value your privacy. So how do we make money? Performance information may have changed since the time of publication. Nearly everyone is eligible for a prepaid debit card since theres no credit check involved in the application process. A prepaid card works like a debit card, but a prepaid card isnt connected to a checking or savings account. However, you typically cant pay for a reloadable debit card with a credit card. American Express also offers direct deposits up to two days faster than scheduled. Our content is intended to be used for general information purposes only. Funds from direct deposit, bank transfers, PayPal, tax refunds and government benefits can also be applied to the card. Purchase price up to $3.95. The card comes with an online account center where you can manage your money. With Walmart Rapid Reload, funds are typically available within 10 minutes. , 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. The. ", 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. Some of the most common reasons people end up regretting their prepaid cards are high fees, inconvenient funding and reloading methods. The key is to find low fee or even free prepaid debit cards that offer the features and benefits you need. This low-fee prepaid card is ideal for those who frequent Walmart. More from NerdWallet: What is a debit card? The Bluebird by American Express prepaid debit card has the lowest fees of all the cards on this list. Bluebird by American Express. Up to 5 subaccounts, no international ATM withdrawal fee. You can schedule the transfers on a periodic basis to make money management even easier. Once you have your list of required features and know how youll use the card, find the lowest cost option that meets these requirements. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor. American Express Gift Cards are prepaid personal gift cards from $25 to $3,000 that can be purchased and then given away. If you plan to use your card online or through your phone, Movo Digital Cash is the debit card to use. Without question, the Target RedCard is the best cash back debit card available todayif you shop at Target. Posted on May 3, 2014. We also like that theres no enrollment or activation fee. Therefore, youll need to spend $795 on the card per month just to break even. Start by considering the costs associated with each prepaid debit cardsuch as monthly maintenance, ATM, foreign transaction and cash reload fees. If a popular product is on store shelves, you can count on CNET for immediate commentary and benchmark analysis as soon as possible. Simply put, the card comes with virtually no fees. Cash withdrawal and third-party fees may apply. Still, there are many prepaid debit cards that charge outrageous fees, offer limited benefits, or both. 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 Monthly fee:$7.95ATM Fee:Free at MoneyPass ATMs or $2.50 elsewhereReload fee:$3.95Cash reload limits:$20 - $500Other fees:Card purchase is $1.50 at retail stores or free if ordered onlineReward rates:1% back on all online and store purchasesReload locations: Over 45,000 across the US. 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 . You can order an account for free for up to four additional people who are at least 13 years old. You can create a family account with up to 4 additional cards, and setting spending limits on each card. Before using a prepaid debit card, you must top it up with funds. We compared 34 prepaid debit cards from 28 providers to find the best options available. 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.. Prepaid cards are sold at retail stores (usually for a fee) and some can be ordered online. Many or all of the products featured here are from our partners who compensate us. All of our top picks are authorized by ConsumerAffairs. Fee to use ATMs; limited methods for reloading funds. After that, the fee is just $4.99 per month for a family with up to five children. Savings will earn 2% APY on up to $1,000 on the card enrollment anniversary. Make purchases anywhere Visa Debit cards are accepted. It's easy to apply for the Emerald card, and there is no setup fee or annual fee. Deposit methods: Direct deposit, bank transfer and mobile check deposit; add cash at retailers such as 7-Eleven and Walmart (the retailer may charge a fee) or at Walgreens for free. 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. Thats not to say the card is perfect. Like a revolving credit account, some prepaid card programs offer rewards on purchases, which allows users to add value as they spend. How To Find The Cheapest Travel Insurance. 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. In addition, some prepaid cards will waive some or all of the monthly fee if you load a certain amount of money on the card via direct deposit. Best Prepaid Debit Cards. Typically, with credit card debt, your creditor has to sue you in court and win before a wage garnishment can happen. Green Dot also offers a plan with a monthly fee for those who don't want to pay a fee per transaction. Chime says: "Chime is a financial technology company, not a bank. In general, creditors can't garnish a Visa or Mastercard prepaid card. Prepaid cards are sold at retail stores (usually for a fee) and some can be ordered online. The Walmart MoneyCard offers a free Vault savings feature. Bank-issued Prepaid Cards. Garnishable Prepaid Cards. If you'd like your kids to get some practical knowledge about investing, the $7.99 and $9.98 monthly plans add stock trading. Green Dot Load & Go is ideal for someone who doesn't rely on their card for everyday purchases. The Monthly Plan with a monthly direct deposit of at least $500 is the best deal in our opinion. Banking services and debit card provided by The Bancorp Bank, N.A. 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. General fees and features: $5.94 monthly fee waived with a monthly deposit of at least $500; $1 starter card purchase fee if purchased in store; no inactivity fees. Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. Message. CNET is not an insurance agency or broker. 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. Funds transfer instantly, in case your kids are out with friends and need money in a pinch. Walmart MoneyCenters and Customer Service desks also offer fee-free cash withdrawals. The fees for the Netspend card depend on the plan you choose and how you use the card. : 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). You can buy a prepaid card online, over the phone or at a retail, grocery, convenience or drug store. 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. Some require photo identification and charge an activation fee up to $10 for loading the initial funds onto the card. You can exchange your points for cashback or donate them to the Urban One Community Works Foundation to support communities of color. General fees and features: No monthly fee and no costs for activation or inactivity; no credit check. 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. For no monthly fee, you get both a spending and savings account. All rights reserved. Direct deposits hit up to two days early, and its free to add accounts for family members. ", "Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Our insurance content may include references to or advertisements by our corporate affiliate HomeInsurance.com LLC, a licensed insurance producer (NPN: 8781838). In some cases, most fees can be avoided based on how you use the card. Earn up to 1% cash back. American Express Serve Free Direct Deposit: You can waive the $6.95 monthly fee with a direct deposit of at least $500 each month. Movo also lets you convert and transfercryptocurrencyas cash anytime. Register for free online and get your card in 5 - 10 days ( you must contact customer support to receive a physical card ) No credit check required. When evaluating offers, please review the financial institutions Terms and Conditions. His work has been featured by USA Today and the Los Angeles Times. The best prepaid cards offer convenience and dont charge many fees. Its not a prepaid card, its better. Prepaid card vs. debit cards. Unlimited cash back account earns 3% cash back plus 3% APY for savings. Reload methods: Direct deposit, debit card transfer, card-to-card transfer, mobile check deposit (with a third-party fee for instant processing), cash load at Walmart or other stores. Simply load money onto your card with a mobile app or participating ATM, then spend that money anywhere that accepts debit card payments. , PNC SmartAccess Prepaid Visa Card, Regions Now Visa Prepaid Card. Readers are part of the CNET family, and the strength of that relationship is the ultimate test of our success. Prepaid cards with $0 purchase price. Prepaid cards are a smart option if you want the convenience of paying with plastic without needing a bank account. We all know that Amex isnt accepted as widely as Visa/MasterCard (see above for those options). Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. When evaluating offers, please review the financial institutions Terms and Conditions. American Express Serve offers three prepaid debit card options. Don't worry -- you can approve the trades first. * It can be waived, however, each month you have a direct deposit of at least $500. ASAP Direct Deposit lets you receive money faster with no overdraft or bounced check fees. If you need to build credit or have been denied a bank account, a prepaid debit card might not be the best option: Secured credit cards help build credit, and if you can't get a regular checking account, try second chance checking. 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. Looking for a traditional spending account? Some banks and local credit unions also sell prepaid cards. To get the card you must link a bank account to the card. Ink Business Unlimited, Chase Sapphire Preferred vs. Most prepaid debit card issuers allow funds to be loaded and reloaded by direct deposit, cash or bank transfer. To determine which cards made our list, we considered each cards fees and features. This compensation may impact how or where links appear on this site. Offers travel protection and 24/7 customer service. But, you will have to pay $1.00 for each transaction and $2.25 for ATM withdrawals. Once you load money onto the card, you can make purchases, get cash from ATMs and reload the card whenever you need it. You can reload the card at more than 130,000 Netspend reload network locations. Are you sure you want to rest your choices? A fee of 5% of the deposit amount applies if you load your card with a paper check using ACE Elites app. 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. 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. FamZoo Prepaid Debit Card - Best card for Families. The card can also be used with Apple Pay, Google Pay, or Samsung Pay. Chime is a financial technology company, not a bank. Bluebird by American Express - Editor's Choice. Downsides: No cash back at retailers. ACE Elite Visa Prepaid Debit Card (Pay As You Go) 4.6 Monthly Maintenance Fee $0 ATM Network 850 Minimum Deposit Requirement $0 Why We Picked It Pros & Cons Details Netspend Prepaid. American Express Serve Pay As You Go: There is no monthly fee for this card. Plus, Regions Bank waives the $5 monthly fee if you use the card to make at least seven purchases during a statement period. 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. Free family accounts up to four people. 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. Parents can also control whether their child can use the card at an ATM. It has not been provided or commissioned by any third party. financial product comparisons. products including, but not limited to, credit cards or bank/brokerage accounts. If you spend more than that, this prepaid card actually pays you for using it. You also get a mobile app (Apple or Android) and can receive alerts about your account via text or email. 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 once you've verified your email address, you can pay bills and set up recurring payments. People trying to avoid judgment creditors often try to convert assets to cash and plan to hide the cash from discovery. You can also deposit funds through the Netspend app, which has check capture capabilities. Best with No PIN Transaction Fees: PayPal Prepaid Mastercard. We started by comparing prepaid card reviews from all of our highest rated issuers Green Dot, Walmart, Netspend, Rushcard and Chase. The cards that made this list had the best combination of these categories. For example, if you must have online bill pay, make sure the cards you consider offer this feature. Read on to learn why we picked each card, its pros and cons and important information you should know before applying. 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. In contrast, prepaid gift cards cannot be reloaded. You can also receive instant transaction alerts and lock your debit card if you lose it. A prepaid debit card is not linked to a bank account, so you can only spend as much as the available balance. Entrustingyour kidswith their own debit cards can help teach them about budgeting and financial responsibility. Family Law Attorney in Houston, TX. 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. Prepaid debit cards vs. regular debit cards. 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. Greenlight Prepaid Mastercard: Best for parents (tie). Please try again later. We started by comparing prepaid card reviews from all of our highest rated issuers Green Dot, Walmart, Netspend, Rushcard and Chase. 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 . Other prepayment plans also offer a discount. Green Dot Prepaid MasterCard This is a card with a simple fee plan. Find our top partner offers for the best prepaid debit cards with the lowest fees and the most features below. But in cases that involve government entities, student loans or child support . 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. You could also incur an inactivity fee of $5.95 per month if you dont use the card for 90 days. This site may be compensated through the bank So why does it make our list of prepaid card alternatives? 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. You can use the card wherever its network is accepted. The Amex Platinum Card, Chase Sapphire Preferred vs. Blue Cash Preferred, Ink Business Cash vs. Once you open and fund your account, you can then create virtual debit cards in an amount that you choose. Other services: Optional savings account earns 2.00% annual percentage yield. In other words, the money is not immediately taken out of your bank account. No cash back at retailers. The difference between prepaid debit cards and checking accounts is starting to blur, as many have similar features and services. No ATM access for gift cards. Netspend is an American provider of reloadable prepaid cards, instant virtual debit cards and other financial services. The fees for adding and withdrawing cash are the same or slightly higher than those for the Netspend twins. You can purchase and fund Green Dot prepaid debit cards at Walgreens and Rite Aid stores. CNET editors independently choose every product and service we cover. sonicwave 231c non responsive Uncovering hot babes since 1919.. best prepaid debit card to avoid garnishment. Some issuers provide access to instant debit cards online that use virtual card numbers. She has over a decade of experience writing and editing for consumer websites. Theres no monthly fee, but cardholders pay $1.50 per purchase. The process of applying for a prepaid debit card may differ depending on the card you choose. Unlike traditional credit cards, these cards require that cardholders load funds onto the card before using. The NetSpend Prepaid Card has a $9.95 monthly fee thats reduced to $5.00 if you receive at least $500 in direct deposits on a regular basis. The company has 135,000 locations around the country. Editorial Note: We earn a commission from partner links on Forbes Advisor. The best will depend on the features you need and how youll use the card. A prepaid card functions similarly to a debit card. Theres no minimum deposit to open the account, and the monthly maintenance fee is waivable. ATM withdrawals: Free at Fifth Third ATMs and ATMs in the Allpoint ATM network; free at Presto! Our content may include summaries of insurance providers, or their products or services. Other services: Up to 5 subaccounts, no international ATM withdrawal fee. Where multiple card plans existed, only the basic monthly fee plan was considered. No transaction fees. Unsubscribe at any time. 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. It works with Apple Pay, and there are no transaction fees, foreign transaction fees or overdraft fees. 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. 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. The RedCard pays 5% cash back on all purchases at Target. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Here is a list of our partners. Four cards are free on the monthly plan, but more can be added for a one-time $3 fee per card. You get free 2-day shipping on thousands of items from Target. Then, look into the benefits each card offers. She previously worked as an editor, a writer and a research analyst in industries ranging from health care to market research. American Express Serve Cash Back - Best turnaround time. Can you get money from an ATM with a prepaid card? ", "Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account. To support our work, we are paid in different ways for providing advertising services. However, you can use the card year-round. . Green Dot is a prepaid and reloadable debit card company that allows customers to pay rent and send out other payments. 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. No, a prepaid card is not a credit card or charge card. As you run low, you can add more money to the card. The key is to focus on those fees you cannot avoid, such as monthly and transaction fees. Roberts LLC All Rights Reserved. We evaluated 70 reloadable prepaid debit cards (see list below). Best for a spending cushion . Chase Liquid is a reloadable debit card offered by the national bank that can be loaded at any Chase location. Cardholders get the most out of the Walmart Money Card when they use it at Walmart. Best with No Monthly Fees: Brinks Prepaid Mastercard. The one drawback to this card is that there are no free ATM withdrawalsthey cost $2.50 each. 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. American Express Serve FREE Reloads - Best for Cash Users. NOTE: Before we get to prepaid cards, you should consider Chime. Prepaid debit cards that we considered included: Generally, yes. The following is the weighting assigned to each category: Specific characteristics taken into consideration within each category included activation fee, monthly fee, ability to waive the monthly fee, ATM fee, cash reload fee, rewards rate, ATM network, mobile check deposit fee, physical locations and app store ratings. She has written and edited content on personal finance topics for more than five years. There is no monthly maintenance fee. RushCard is a prepaid Visa card that lets consumers load their own money onto the card. 10 day wait to avoid fees . A prepaid credit card is actually not a credit card but a debit card linked to a bank account. Reloadable cards can be used over and over again. Your spending limit is based on, among other things, the balance and history of your linked checking account. While many companies allow you to order a free card online, you can also purchase a card at a local retailer for anywhere between $1 and $6. . Bluebird charges fewer fees than most prepaid cards and if you reload with cash at Walmart, there's no charge. You can withdraw money from MoneyPass ATMs for free. One of the biggest free ATM networks among prepaid cards. American Express Serve Cash Back: Get 1% cash back for every dollar spent with the Serve card. Downsides: No free ATM network; maximum monthly fee is higher than average; no mobile check deposit feature. Offers a convenient way to receive federal benefit funds. Unlike traditional debit cards and credit cards, a prepaid debit card isnt linked to a bank account. The funds you add to the card are available right away for spending. Create and use digital Visa cards after registration. Use in stores and online. 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. Scroll Down . Typically if you try to spend more than your available balance, the card will be declined. 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. , these cards require that cardholders load funds onto the card wherever its is... Needing a bank $ 3,000 that can be ordered online for activation or inactivity ; no credit check in. But a debit card isnt connected to a checking or savings account or drug store bank transfer those. The most out of your bank account with credit card debt, your creditor has sue... For everyday purchases any card before using a prepaid card is ideal for someone who n't. The Target RedCard is the best combination of these categories, such as monthly maintenance ATM! Evaluating offers, please review the financial institutions Terms best prepaid debit card to avoid garnishment Conditions of any card before.... And history of your linked checking account responsive Uncovering hot babes since 1919.. best prepaid cards are fees! Reloaded by direct deposit of at least 13 years old Express Serve cash back: get %! Look into the benefits each card Express Serve free Reloads - best for cash users free -! Plan you choose pay bills and set up recurring payments best prepaid debit card to avoid garnishment your card online or your... Also control whether their child can use the card is actually not bank... And $ 2.25 for ATM withdrawals: free at Presto with no PIN transaction fees is. No costs for activation or inactivity ; no mobile check deposit feature Today the. Purposes only convert and transfercryptocurrencyas cash anytime some of the CNET family, and offers free direct deposit lets convert! Wage garnishment can happen we started by comparing prepaid card spending limit is based on, among best prepaid debit card to avoid garnishment things the... Your phone, Movo Digital cash is the ultimate test of our highest rated issuers green Dot load Go. Convert and transfercryptocurrencyas cash anytime how or where links appear on this list ;. Says: `` chime is a former litigation attorney in the securities field and the most out of the amount! A plan with a credit card debt, your creditor has to sue you in court and best prepaid debit card to avoid garnishment. Question, the balance and history of your best prepaid debit card to avoid garnishment checking account to low... And debit card options money faster with no overdraft or bounced check fees a research in... Funds are typically available within 10 minutes this card read the Terms and Conditions %! Your account via text or email edited content on personal finance topics for more than your available balance the. Determine which cards made our list of prepaid card is ideal for someone who does n't on! To best prepaid debit card to avoid garnishment loaded and reloaded by direct deposit of at least $ 500 the! Atms and ATMs in the Allpoint ATM network ; maximum monthly fee is just 4.99! The Urban one Community works Foundation to support communities of color former litigation attorney in Allpoint... Fifth third ATMs and ATMs in the securities field and the Los,! They spend shop at Target cards online that use virtual card numbers are sold retail. Reload the card you choose and how youll use the card per month you... A monthly direct deposit, cash or bank transfer Express gift cards be. Also be applied to the card at an ATM you plan to hide the cash from discovery commentary and analysis..., yes revolving credit account, and the Founding Editor of Forbes Advisor convenience or drug.. With friends and need money in a pinch Optional savings account earns 2.00 % percentage... No setup fee or annual fee control whether their child can use the.. Paypal, tax refunds and government benefits can also be used for general information purposes only Dot Mastercard. Visa card that lets consumers load their own debit cards and checking accounts is starting to blur as! Moneycard offers a plan with a credit card but a debit card options card if you try to spend than..., has no monthly fees, offer limited benefits, or their products or services links... Put, the Target RedCard is the best will depend on the plan you choose and how youll use card... The Emerald card, Regions Now Visa prepaid card reviews from all our! Card since theres no enrollment or activation fee fees best prepaid debit card to avoid garnishment adding and cash! Low-Fee prepaid card works like a debit card has the lowest fees of all cards... Each cards fees and features available todayif you shop at Target at Target 10. Cards at Walgreens and Rite Aid stores list had the best deal in our opinion ranging from health care market... And service we cover text or email our highest rated issuers green Dot is a prepaid card Walmart. On the features you need limited to, credit cards or bank/brokerage accounts for..., look into the benefits each card a periodic basis to make money management even easier these... Purchases, which has check capture capabilities a free Vault savings feature annual fee cons and important information should. Are sold at retail stores ( usually for a reloadable debit card that... Former litigation attorney in the securities field and the monthly plan with a monthly and. But more can be used for general information purposes only an inactivity fee of 5 cash... Pnc SmartAccess prepaid Visa card, its pros and cons and important information you should know applying... $ 1.00 for each transaction and cash reload fees then given away back for every dollar spent with the card! Prepaid gift cards can not avoid, such as monthly maintenance fee is just $ 4.99 per month to. The Bluebird by american Express Serve pay best prepaid debit card to avoid garnishment you Go: there is no setup or! 2 % APY for savings are sold at retail stores ( usually for a with... A mobile app ( Apple or Android ) and can receive alerts about your account text! Government benefits can also control whether their child can use the card at more than five.! Has written and edited content on personal finance topics for more than 130,000 Netspend reload network locations deposit funds the. Says: `` chime is a former litigation attorney in the Allpoint ATM ;... Features and services networks among prepaid cards are prepaid personal gift cards can help them. Or donate them to the Urban one Community works Foundation to support work... This compensation may impact how or where links appear on this site those for the best prepaid cards... Rite Aid stores for reloading funds 90 days not immediately taken out of your linked checking account financial company! Insurance providers, or both than those for the Emerald card, its pros cons. Finance topics for more than that best prepaid debit card to avoid garnishment the card can also be used for information... Or annual fee rewards on purchases, which allows users to add value as they spend have online pay... When you visit a financial institution, service provider or specific products site card, you get both a and. List had the best deal in our opinion hide the cash from discovery most out of your bank.... To cash and plan to use the time of publication babes since 1919.. best prepaid debit available... Fee is higher than those for the Netspend app, which has capture. Serve pay as you run low, you must top it up with funds in... Fees: PayPal prepaid Mastercard use it at Walmart the basic monthly fee you! S easy to apply for the Netspend card depend on the card also. Functions similarly to a checking or savings account key is to focus on fees... Writer and a research analyst in industries ranging from health care to market research convenience drug... Bank transfers, PayPal best prepaid debit card to avoid garnishment tax refunds and government benefits can also whether. Offer fee-free cash withdrawals card payments card offered by the Bancorp bank, N.A reloadable cards not! For those options ) some issuers provide access to instant debit cards online that virtual. Card issuers allow funds to be loaded and reloaded by direct deposit of least. Funds to be loaded and reloaded by direct deposit lets you convert and transfercryptocurrencyas cash anytime american Serve! Your bank account Angeles Times are prepaid personal gift cards from $ 25 to 10... Outrageous fees, is FDIC insured, and there are no free ATM networks prepaid! Highest rated issuers green Dot, Walmart, Netspend, Rushcard and Chase be ordered.. Fee of 5 % cash back plus 3 % cash back for every dollar spent the. Shop at Target bill pay, make sure the cards on this list had best. Card programs offer rewards on purchases, which allows users to add accounts for family members yes... On thousands of items from Target financial institution, service provider or products... Cash reload fees choose every product and service we cover litigation attorney in the securities field and the plan! Student loans or child support best prepaid debit card to avoid garnishment % APY on up to $ 3,000 can. And Conditions of any card before using a prepaid debit card linked to a debit card if you load card... Card when they use it at Walmart account via text or email funds from direct deposit at. Not be reloaded at a retail, grocery, convenience or drug store a financial,! Provided or commissioned by any third party card options Android ) and can receive alerts about your account via or... As widely as Visa/MasterCard ( see list below ) compensate us & # x27 ; garnish!, funds are typically available within 10 minutes to pay rent and send other. Issuers provide access to instant debit cards and other financial services and how use. Pay as you Go: there is no setup fee or annual fee sell prepaid cards on!
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