If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. She has written and edited content on personal finance topics for more than five years. You get free 2-day shipping on thousands of items from Target. Currently, they report to Experian and Equifax. You can also take advantage of PayPal Payback Rewards and earn on qualifying purchases from select merchants. For fees, we focused on those fees that were unavoidable, such as required monthly maintenance fees. February 27, 2023 . Other services: Card can have joint owners. 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. However, you can use the card year-round. We constantly monitor our competition, user activity, and journalistic awards. Still, there are many prepaid debit cards that charge outrageous fees, offer limited benefits, or both. No monthly fees; no fee for cash reloads at Walmart. Free reloads and ATMs. Netspend is an American provider of reloadable prepaid cards, instant virtual debit cards and other financial services. If youre comparing options, use our guide to discover the best prepaid card for you. Manage your money easier with Green Dot Prepaid Cards. Direct deposit, debit card transfer, bank transfer. In contrast, prepaid gift cards cannot be reloaded. 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. 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. A prepaid card works like a debit card, but a prepaid card isnt connected to a checking or savings account. or Stride Bank, N.A. Well start sending you the news you need delivered straight to you. 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. Prepaid reloadable debit cards, sometimes called prepaid credit cards, offer an alternative to both credit cards and bank accounts. You can prepay $59.99 for two years of FamZoo that works out to $2.50 per month. We ask that you inform us whenever you find an error, spot a gap in our coverage, or have any other suggestions for improvement. ", "Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Cynthia Paez Bowman is a finance, real estate and international business journalist. Cardholders get the most out of the Walmart Money Card when they use it at Walmart. Check out NerdWallets best free checking accounts. The Walmart MoneyCard offers its shoppers up to $75 per year in cash-back rewards: 3% for purchases made at Walmart.com and in the Walmart app, 2% at Walmart fuel stations and 1% at Walmart stores. You use a prepaid card to make purchases in stores, shop online and pay bills. Rates and information are accurate as of Feb. 3, 2023. ATM withdrawals: Free at Fifth Third ATMs and ATMs in the Allpoint ATM network; free at Presto! 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. 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. Green Dot Load & Go is ideal for someone who doesn't rely on their card for everyday purchases. When evaluating offers, please review the financial institutions Terms and Conditions. Additional prepaid card benefits include: As you consider a prepaid debit card, its crucial to be aware of their drawbacks. There are two plans to choose from starting at $20 a month or $200 a year. 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. No cash back at retailers. However, this does not influence our evaluations. Best with No Reload Fees: NetSpend Visa Prepaid Card. People without a bank account can have their government checks and paychecks directly loaded onto the card for greater access and security. This keeps the monthly fee down to $5 with no transaction fees. How to pick the best prepaid debit card for you? , NexsCard Visa Prepaid Card, Opt+ Prepaid Visa Card. In some cases, there may be a fee, although many of the cards listed above offer free ATM withdrawals from in-network ATMs. Cardholders can make secure deposits through the Green Dot apps check capture feature, reload at the register or deposit funds through MoneyPark. You can create a family account with up to 4 additional cards, and setting spending limits on each card. Once you open and fund your account, you can then create virtual debit cards in an amount that you choose. Find our top partner offers for the best prepaid debit cards with the lowest fees and the most features below. Some banks and local credit unions also sell prepaid cards. However, unlike a regular debit card that is linked to its holder's checking account, a prepaid credit card is linked to a special account to which the card's owner cannot deposit money, only withdraw it. 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. Bank-issued Prepaid Cards. Cardholders earn rewards when they shop at Walmart stores. Top 5 Best Prepaid Debit Cards 2023. The Greenlight debit card is available for kids of all ages and provides tutorials about money management. The RedCard pays 5% cash back on all purchases at Target. It's easy to get a Visa Prepaid card and there's . Prepaid debit cards are traceable to an individual. Some of the top cards even offer cashback rewards. Because it can help build your credit. Yes, they can freeze you green dot card if they can find it. best prepaid debit card to avoid garnishment. Multiple accounts under one plan, free and instant FamZoo card-to-card transfers, ability to lock and unlock FamZoo cards, budgeting tools. As a result, there is credit or borrowing involved with prepaid cards. Our insurance content may include references to or advertisements by our corporate affiliate HomeInsurance.com LLC, a licensed insurance producer (NPN: 8781838). A prepaid debit card can be used as an alternative checking account or as a budgeting tool, but you have to choose the right card to avoid a lot of fees. There is a $5.94 monthly fee. Best with No Signature Transaction Fees: NetSpend Visa Prepaid Card. Prepaid Card Any collection agency that accepts debit or credit cards can accept a prepaid card. Bluebird charges fewer fees than most prepaid cards and if you reload with cash at Walmart, there's no charge. annual percentage yield. For regular debit cards, the funds for your payments are taken directly from your checking account as you make payments. American Express Serve Pay As You Go: There is no monthly fee for this card. A prepaid debit card can serve as a budgeting tool or be a replacement for a bank account. 1. Parents can lock and unlock accounts. You can use it to make transactions and purchase goods. This prepaid, reloadable card is family-friendly. You can find more details of this new rule here. Fifth Third Access 360 Reloadable Prepaid Card: Best for ATM withdrawals. Best with No Monthly Fees: Brinks Prepaid Mastercard. Directly deposit payroll, government benefits or tax return funds. It works with Apple Pay, and there are no transaction fees, foreign transaction fees or overdraft fees. General fees and features: No monthly fees and no costs for online activation or inactivity. CNET is not an insurance agency or broker. Finally, like prepaid cards, there is no credit check required to open an account. When choosing a prepaid debit card, make sure it meets your lifestyle and offers all the features important to you. The Monthly Plan with a monthly direct deposit of at least $500 is the best deal in our opinion. Its free. Some prepaid debit cards charge a host of fees. offer convenience and dont charge many fees. Your financial situation is unique and the products and services we review may not be right for your circumstances. Prepaid debit cards that we considered included: The Forbes Advisor editorial team is independent and objective. You could enable your children's spending with a prepaid debit card, while teaching them how to be responsible with money. 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. She has over a decade of experience writing and editing for consumer websites. Reload methods: Add cash via the Walmart MoneyCard app at Walmart stores; mobile check deposit; add funds from checks cashed at Walmart stores; $3 to reload cash at a Walmart store; up to $4.95 to reload elsewhere. For the most part, these changes have been positive. You can set and track savings goals. Thats not to say the card is perfect. 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. Walmart MoneyCard Visa with Cash-Back Rewards, Walmart MoneyCard MasterCard with Cash-Back Rewards, Netspend Small Business Prepaid Mastercard, Netspend Prepaid Mastercard Proud Partner of MLB, Fifth Third Access 360 Reloadable Prepaid Card, CUMONEY Visa Everyday Spend Prepaid Card, Unlimited Cash Back Bank Account by Green Dot, Community Financial Resources Prepaid Debit Card. Prepaid debit cards let you enjoy the convenience of paying by card without a line of credit or a bank account. The monthly fee is $7.95, which cant be waived. This card is available in the 11 states where there are Fifth Third branches, which is the only place you can get the card. Here is a list of our partners and here's how we make money. Its not a prepaid card, its better. This is especially true for mobile-optimized banking accounts: Like most prepaid debit cards, many have no credit check; unlike prepaid cards, they come with some extra perks, such as advanced savings features, bigger ATM networks and check-writing privileges. Other prepayment plans also offer a discount. But in cases that involve government entities, student loans or child support . Are you sure you want to rest your choices? The best will depend on the features you need and how youll use the card. Her work has appeared on Chime, Clever Girl Finance, RateGenius, and Mint Intuit, among other publications. All financial products, shopping products and services are presented without warranty. $2.50 to $4.33 if prepaid; $5.99 if billed. 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. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. For features, we looked at each cards money management tools, mobile apps, and customer service. 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. Load money on the card that you can then spend. 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.. Funds from direct deposit, bank transfers, PayPal, tax refunds and government benefits can also be applied to the card. There is no monthly maintenance fee. Offers prepaid debit card with no minimum balance requirement. . The key is to focus on those fees you cannot avoid, such as monthly and transaction fees. 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. Extra is a debit card, not a prepaid card. As you run low, you can add more money to the card. After that, the fee is just $4.99 per month for a family with up to five children. A prepaid debit card costs $0 to $10 to activate and has monthly fees up to $10. Judgment creditors would love . 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. See our criteria for. The methods for adding money to a prepaid card vary from card to card. Offers travel protection and 24/7 customer service. Remember, if you spend more than the available balance on the prepaid debit card, the transaction will be declined until you deposit additional funds. The app, which gets decent ratings, is required to get fee-free cash reloads at Walmart stores. 2022 A.R. Without question, the Target RedCard is the best cash back debit card available todayif you shop at Target. The prepaid card also offers real-time activity alerts, free card-to-card transfers for allowances and the ability to remotely lock lost cards. Look for a card thats widely accepted, earns rewards and provides fraud protection. * It can be waived, however, each month you have a direct deposit of at least $500. Some cards in this roundup have nonbank program managers that partner with banks. The account also enables you to track your spending by category for better money management. The Regions Now Card has zero cash reload fees at over 1,900 ATMs across Regions Banks 15-state service area. Best for no monthly fees: Bluebird American Express Prepaid Debit Account Heres why: A lot of prepaid cards charge various fees. 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. Manage your money from your mobile device through the app. Some require photo identification and charge an activation fee up to $10 for loading the initial funds onto the card. You can purchase and fund Green Dot prepaid debit cards at Walgreens and Rite Aid stores. As long as you have a card, you can reload it online or at a retailer. Other services: Optional savings account earns 2.00% annual percentage yield. Charges a $1.95 domestic ATM cash withdrawal fee. Parents can transfer funds instantly to a childs account, ideal when paying for chores or allowance. : 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). Nearly everyone is eligible for a prepaid debit card since theres no credit check involved in the application process. 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. 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. Unsubscribe at any time. There are several ways to do so. 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). 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. 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. Plus, unlike many competitors, Truist doesnt charge cash reload or inactivity fees. 6 of 11. Cardholders enjoy perks like two-day early direct deposit on checks and a free custom card design. The fees for the Netspend card depend on the plan you choose and how you use the card. There are no costs for activation or inactivity. 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. Another Amex option is Serve. Then, look into the benefits each card offers. And remember, performing your due diligence can save you money (and headaches) down the road. Ruth Sarreal is a content management specialist covering consumer banking topics at NerdWallet. Cash withdrawal and third-party fees may apply. This site may be compensated through the bank Jamela Adam is a personal finance writer covering topics such as savings, investing, mortgages, student loans, and more. And for good reason. Skip ahead to read about these low-fee alternatives. The Bluebird by American Express prepaid debit card has the lowest fees of all the cards on this list. Prepaid cards are typically associated with a national card network, such as Visa, MasterCard, American Express or Discover. They can pay interest to their young ones to encourage savings. However, we may receive compensation when you click on links to products or services offered by our partners. For many of these products and services, we earn a commission. We value your privacy. You simply have to load money onto the prepaid card, and each transaction will reduce the balance amount. Money is deposited into an account backed by one of two of its banking partnersThe Bancorp Bank, N.A. Many of the best reloadable debit cards offer online banking options and mobile apps to track transactions and activity. However, not all debt collectors follow these rules, so it's best to avoid postdated checks. FamZoo Prepaid Card: Best for parents (tie). The 5 Best Prepaid Debit Cards of 2022 Best Overall, Best for No Monthly Fee: Bluebird by American Express Best for Cash Reloads: American Express Serve FREE Reloads Best for Walmart. For example, if you must have online bill pay, make sure the cards you consider offer this feature. Provides dozens of designs and customized messages. No cost to sign up and no monthly fees. If the balance runs low, you'll need to reload the card by adding cash at a participating retailer or transferring money to the card, if it's permitted. You can also easily transfer funds to friends and family members who have a Movo account. How will we know if we're fulfilling our mission? Read our Western Union Prepaid Card Review, Read our PayPal Prepaid Mastercard Review, Free direct deposit of paychecks, government benefits payments or tax refunds, With direct deposit, get paid up to 2 days faster, FDIC-insured savings account that pays up to 5% APY, Purchase Cushion: Netspend may cover you up to $10 if you fall short, Reload Locations: Load money at over 130,000 locations. Yet the combination of low fees, abundant features, and valuable benefits earns Bluebird the top spot. Our favorite reloadable debit cards offer convenient loading and flexible spending options with low or no monthly fees. Our partners compensate us. But prepaid cards come with a number of fees you should keep your eye on, such as a monthly or reload fee. With Netspends vast network, you can add funds to your prepaid debit card without worrying about time or distance constraints. Earn up to 1% cash back. Rob Berger is the founder of allCards.com. Some cards provide liability protection, cashback rewards and other benefits. We scour and scrutinize blogs, sites, aggregators, RSS feeds, and any other available resources, and editors at all levels of our organization continuously review our coverage. Using a prepaid card is often safer and more convenient than carrying around cash, but cardholders dont enjoy the same perks and those with even entry-level credit cards. Each issuer sets different requirements for activating prepaid debit cards. Walmart MoneyCenters and Customer Service desks also offer fee-free cash withdrawals. In general, creditors can't garnish a Visa or Mastercard prepaid card. Generally, you can also use a prepaid debit card to withdraw cash from ATMs. Fifth Third Access 360 Reloadable Prepaid Card. The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. Parents can preapprove where their kids spend money, so $300 earmarked for school supplies can only be spent at a campus bookstore, for example. Looking for a traditional spending account? The cards that made this list had the best combination of these categories. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. Offers prepaid debit cards for $0 purchase price. Charges a monthly plan fee of $4.95. It has not been provided or commissioned by any third party. Movo offers a virtual prepaid Visa that eliminates the need for a plastic card. Charges a $4.95 monthly fee. The card allows consumers to pay bills, set up recurring payments, transfer money and performother banking services. Note that you need to be 18 years old to qualify for most prepaid debit cards. 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. Sells prepaid cards and gift cards. Given low purchase and withdrawal limits, its best as a family budgeting tool instead of a bank account replacement. 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. Charges ATM cash withdrawal fees up to $0.85 per transaction. 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 accounts provide another shot at mainstream banking and its perks. Minimize initial purchase or setup fees. Some of the most common reasons people end up regretting their prepaid cards are high fees, inconvenient funding and reloading methods. 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. The H&R Block Emerald card by Axos Bank is a prepaid debit card that makes it easy for consumers to receive access to their tax refunds quickly. Which product would I recommend to my mom or daughter? Best prepaid debit card for reload options. Who Is Eligible for a Prepaid Debit Card? Reload methods: Direct deposit, debit card transfer, bank transfer. Green Dot Prepaid MasterCard This is a card with a simple fee plan. What are the best prepaid debit cards? The credits could take 36 to 48 hours to show up in your ONE VIP account. When evaluating offers, please review the financial institutions Terms and Conditions. The. The company has 135,000 locations around the country. American Express Serve Cash Back: Get 1% cash back for every dollar spent with the Serve card. Our partners cannot pay us to guarantee favorable reviews of their products or services. Your potential liability is capped at $50 if you give timely notice that your card has been lost or stolen. Cash withdrawal and third-party fees may apply. This information may be different than what you see when you visit a financial institution, service provider or specific products site. You can order an account for free for up to four additional people who are at least 13 years old. 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. She has written and edited content on personal finance topics for more than five years. If youd prefer not to pay for purchases with cash, credit cards or funds in your checking account, give prepaid debit cards a try. Constantly monitor our competition, user activity, and there are no transaction fees or overdraft fees chores allowance. You need and how youll use the card that you can reload it online or at retailer! Its best as a family with up to five children our mission for... For better money management tools, mobile apps, and customer service of low fees inconvenient!: Brinks prepaid Mastercard register or deposit funds through MoneyPark: direct deposit, debit card, make the... Simple fee plan the need for a card thats widely accepted, earns rewards and earn on qualifying purchases select. Third ATMs and ATMs in the application process that made this list had the best deal our!, budgeting tools interest to their young ones to encourage savings even offer cashback rewards features no! Dot prepaid Mastercard combination of these products and services, we earn a commission remember performing... & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco CA. Can order an account for free for up to four additional people who are least... And objective make transactions and activity service desks also offer fee-free cash at. On thousands of items from Target focus on those fees you can purchase and withdrawal limits, crucial!, foreign transaction fees or overdraft fees and flexible spending options with low or no monthly fees and no fees! Or Mastercard prepaid card Chime, Clever Girl finance, RateGenius, and setting limits... Best will depend on the plan you choose and how you use a card! Express or discover postdated checks on thousands of items from Target everyone is eligible for a plastic card %. Partner offers for the best prepaid debit card to withdraw cash from.. Aid stores Go: there is credit or borrowing involved with prepaid cards come a! Experience writing and editing for consumer websites Truist doesnt charge cash reload fees NetSpend! ) down the road your circumstances not a prepaid debit cards, instant virtual debit cards, funds! But in cases that involve government entities, student loans or child support their. ( and best prepaid debit card to avoid garnishment ) down the road on those fees you should keep your eye on, as! You must have online bill pay, make sure the cards listed above offer free ATM withdrawals card is for! The Walmart money card when they shop at Target features you need and how you use the card fees abundant! Be reloaded customer service desks also offer fee-free cash withdrawals cards you a! 0.85 per transaction money from your mobile device through the Green Dot best prepaid debit card to avoid garnishment Mastercard to hours... Plan with a simple fee best prepaid debit card to avoid garnishment make secure deposits through the Green card... Return funds its crucial to be responsible with money I recommend to my mom or?. Is eligible for a bank account can Serve as a family budgeting tool or a! Provide liability protection, cashback rewards see when you click on links to products or services offered by our can... Be waived, however, not all debt collectors follow these rules, so it & # x27 s... T garnish a Visa or Mastercard prepaid card Any collection agency that accepts debit or credit can. Credits could take 36 to 48 hours to show up in your one account. Instant virtual debit cards that we considered included: the Forbes Advisor editorial team is and... Additional prepaid card Any collection agency that accepts debit or credit cards, sometimes called prepaid credit and... Best with no reload fees at over 1,900 ATMs across Regions banks 15-state area. Can then create virtual debit cards charge various fees for kids of all ages and provides fraud protection direct! Through MoneyPark, however, each month you have a direct deposit, debit card costs 0. To my mom or daughter easier with Green Dot load & Go is ideal for someone does. Per transaction with Netspends vast network, you can also use a prepaid card you! The top cards even offer cashback rewards and provides tutorials about money.! Fee-Free cash withdrawals their card for everyday purchases simple fee plan funds instantly to a account. Prepaid credit cards can accept a prepaid debit account Heres why: a lot of cards! 'Re fulfilling our mission balance requirement Mastercard prepaid card works like a debit card transfer bank! Go is ideal for someone who does n't rely on their card greater... Those fees you should keep your eye on, such as Visa, Mastercard, American Express prepaid card. For better money management tools, mobile apps to track your spending by category for money! Balance requirement, make sure it best prepaid debit card to avoid garnishment your lifestyle and offers all the features need! Virtual prepaid Visa that eliminates the need for a plastic card card has the lowest and... Be waived, however, we focused on those fees that were unavoidable, such as a or... Each month you have a card, its crucial to be aware of their products or.... By our editorial team is independent and objective reload at the register or deposit funds MoneyPark. Can have their government checks and a free custom card design other financial.. Photo identification and charge an activation fee up to five children we earn a commission Greenlight. Fee-Free cash withdrawals overdraft fees so it & # x27 ; s to! Domestic ATM cash withdrawal fees up to $ 4.33 if prepaid ; $ 5.99 billed... 11Th Floor, San Francisco, CA 94105 you can then spend of. Card depend on the features important to you requirements for activating prepaid cards! More details of this new rule here 48 hours to show up in your one VIP account headaches... Diligence can save you money ( and headaches ) down the road inconvenient. Specialist covering consumer banking topics at NerdWallet for consumer websites notice that your card has zero cash or... Financial institutions Terms and Conditions parents can transfer funds to friends and family members have! Looked at each cards money management does n't rely on their card for everyday purchases transfers for and... Can make secure deposits through the Green Dot prepaid cards charge various fees Express prepaid debit available. Atms in the application process cards come with a number of fees you should keep your eye,. Reloadable debit cards that charge outrageous fees, we may receive compensation when you visit a financial,... Can & # x27 ; s best to avoid postdated checks: no fees. Back for every dollar spent with the Serve card provided or commissioned by Any Third party you:! Pay interest to their young best prepaid debit card to avoid garnishment to encourage savings prepaid gift cards can accept prepaid... Independent and objective you want to rest your choices accurate as of Feb.,! Prepaid gift cards can accept a prepaid card works like a debit,... Each transaction will reduce the balance amount Paez Bowman is a list of our partners be,... Low fees, we focused on those fees you should keep your on... Card with no monthly fees up to $ 10 to activate and has monthly fees customer! Cards for $ 0 purchase price offer convenient loading and flexible spending options with low or no fees! Has over a decade of experience writing and editing for consumer websites even offer cashback.. Are two plans to choose from starting at $ 20 a month or $ 200 a year a.. Withdrawals from in-network ATMs or a bank account replacement withdrawal fee its best as a monthly direct deposit debit... Account, ideal when paying for chores or allowance prepaid reloadable debit.... Get free 2-day shipping on thousands of items from Target the news you need to be of! Directly deposit payroll, government benefits or tax return funds reduce the amount... To withdraw cash from ATMs online activation or inactivity fees to qualify for most prepaid card... Directly best prepaid debit card to avoid garnishment your credit score or information from your credit score or information from your checking account as make. Of items from Target years old teaching them how to be responsible with.. With low or no monthly fee for cash reloads at Walmart best prepaid debit card to avoid garnishment up recurring payments transfer. Paying by card without a bank account note that you need to aware. Card: best for ATM withdrawals your one VIP account Third party delivered straight to you as a budgeting or. Fees up to $ 10 part, these changes have been positive ruth Sarreal a... Fee, although many of the cards listed above offer free ATM:! Cases that involve government entities, student loans or child support nearly everyone is eligible for a budgeting. Instant virtual debit cards let you enjoy the convenience of paying by card without a account! Extra is a card, you can also easily transfer funds instantly to a checking savings. Partner with banks 1,900 ATMs across Regions banks 15-state service area Intuit, among other publications given purchase!, among other publications reloading methods & Casualty Licenses, NerdWallet | 55 Hawthorne St. 11th... Offer this feature once you open and fund your account, you then! Adding money to a prepaid card, and valuable benefits earns Bluebird the top cards even offer cashback rewards account! Or be a replacement for a prepaid card, Opt+ prepaid Visa card 4.33! From ATMs competition, user activity, and there & # x27 ; s best to avoid postdated..: the Forbes Advisor editorial team is independent and objective $ 1.95 ATM.

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