Want to build your savings faster? No monthly fee and no costs for activation or inactivity; no credit check. The one drawback to this card is that there are no free ATM withdrawalsthey cost $2.50 each. You can purchase and fund Green Dot prepaid debit cards at Walgreens and Rite Aid stores. Premier is an upgrade from Netspends starter prepaid debit card. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. General fees and features: No monthly fee and no costs for activation or inactivity; no credit check. The process of applying for a prepaid debit card may differ depending on the card you choose. Other fees include reload charges, which can cost as much as $6 per transaction and ATM withdrawals of $2.50 on average. Best with No Signature Transaction Fees: NetSpend Visa Prepaid Card. However, you typically cant pay for a reloadable debit card with a credit card. ATM withdrawals: Free at Fifth Third ATMs and ATMs in the Allpoint ATM network; free at Presto! Cash withdrawal and third-party fees may apply. 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. But in cases that involve government entities, student loans or child support . 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. You can try the card for free for the first month. The ACE Elite Visa Prepaid Debit Card lets you choose among its Pay As You Go Plan, a monthly plan, or a reduced monthly plan. Offers a convenient way to receive federal benefit funds. There are two plans to choose from starting at $20 a month or $200 a year. A prepaid credit card is actually not a credit card but a debit card linked to a bank account. No monthly fees and no costs for online activation or inactivity. 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 Minimum initial load of $25. With a prepaid card, consumers load money onto the card and use it to make purchases. $2.50 to $4.33 if prepaid; $5.99 if billed. Ink Business Premier, Capital One Venture vs. Capital One Quicksilver, Chase Freedom Unlimited vs. Chase Sapphire Preferred, Western Union Netspend Mastercard Prepaid Card. For many of these products and services, we earn a commission. 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. 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. There are several ways to do so. Performance information may have changed since the time of publication. Scroll down for more detail on each account. It works with Apple Pay, and there are no transaction fees, foreign transaction fees or overdraft 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. 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. Earn up to 1% cash back. Cardholders earn rewards when they shop at Walmart stores. Copyright 2022 Consumers Unified LLC. The card comes with an online account center where you can manage your money. Here are our top prepaid debit cards based on fees and features. Use anywhere in the United States that accepts Visa. (Retailers other than Walmart may charge up to $3.95.). 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. Provides Serve, Serve Free Reloads and Serve Cash Back options. Regardless, all the cards issuers are banks that insure consumers money through the. Green Dots products are sold at thousands of major retail locations in the U.S. Walmart Money Cards can be used anywhere Visa or Mastercard is accepted. You can set and track savings goals. Unsubscribe at any time. Ruth Sarreal is a content management specialist covering consumer banking topics at NerdWallet. Readers are part of the CNET family, and the strength of that relationship is the ultimate test of our success. 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. Scroll down for more detail on each account. Some prepaid debit cards charge a host of fees. A prepaid debit card is not linked to a bank account, so you can only spend as much as the available balance. , PNC SmartAccess Prepaid Visa Card, Regions Now Visa Prepaid Card. 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. Free at ATMs in the MoneyPass network; $2.50 fee at other ATMs, plus any ATM operator fee. 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. Parents can pay interest to their childs account as a way to incentivize savings. There are no costs for activation or inactivity. 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. Parents and turn a card off or on from the app. In general, creditors can't garnish a Visa or Mastercard prepaid card. Here is a list of our partners. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. Cynthia Paez Bowman is a finance, real estate and international business journalist. Prepaid reloadable debit cards, sometimes called prepaid credit cards, offer an alternative to both credit cards and bank accounts. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. 8. 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. The pay-as-you-go plan has no monthly fees but costs $1.50 per transaction. The card offers online bill pay, mobile check deposit, free direct deposit, and a mobile app. Bluebird by American Express: Best for avoiding fees. Clients have told me from time to time about very creative strategies to hold and spend cash off the books. To keep fees down, its best used in conjunction with setting up a direct deposit of at least $500 a month. ; Members FDIC. There is no monthly maintenance fee. The Netspend Prepaid Card boasts an impressive network of more than 130,000 locations nationwide for cash reloads. You can prepay $59.99 for two years of FamZoo that works out to $2.50 per month. Judgment creditors would love . So how do we make money? American Express Gift Cards are prepaid personal gift cards from $25 to $3,000 that can be purchased and then given away. Banking Content Disclosure: Content is not provided or commissioned by the bank advertiser(s). However, not all debt collectors follow these rules, so it's best to avoid postdated checks. His work has been featured by USA Today and the Los Angeles Times. The content has not been reviewed, Once you pay the cards purchase price, you have options for funding the initial amount, including: Cardholders must register their prepaid cards after purchase if the FDIC or NCUA insures it, according to the Consumer Financial Protection Bureau (CFPB). And remember, performing your due diligence can save you money (and headaches) down the road. The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. Generally, yes. We believe everyone should be able to make financial decisions with confidence. The app, which gets decent ratings, is required to get fee-free cash reloads at Walmart stores. There are no costs for activation or inactivity. Even though they look the same, a prepaid card does not give you access to a line of credit. She travels to Africa and the Middle East regularly to consult with women's NGOs about small business development. financial product comparisons. Content Management Specialist | Bank accounts, bank account bonuses. Parents can transfer funds instantly to a childs account, ideal when paying for chores or allowance. In other words, the money is not immediately taken out of your bank account. Something went wrong. 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. Some of the most common reasons people end up regretting their prepaid cards are high fees, inconvenient funding and reloading methods. With so many prepaid debit card options, choosing the right one can be overwhelming. You can also receive instant transaction alerts and lock your debit card if you lose it. But you're the final judge. All financial products, shopping products and services are presented without warranty. Our advertisers do not direct our editorial content. The best will depend on the features you need and how youll use the card. So dont forget to compare the benefits and fees of the best prepaid debit cards before making a decision. We evaluated 70 reloadable prepaid debit cards (see list below). Earn cash back through the PayPal rewards program. No purchase fee. It comes with the following: Green Dot Load & Go is ideal for someone who doesn't rely on their card for everyday purchases. Cash withdrawal and third-party fees may apply. Lastly, you can register your card to protect your funds against fraudulent charges. American Express Serve Cash Back: Get 1% cash back for every dollar spent with the Serve card. Minimize initial purchase or setup fees. 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. Other services: Multiple accounts under one plan, free and instant FamZoo card-to-card transfers, ability to lock and unlock FamZoo cards, budgeting tools. Because its not part of an ATM network, youll pay $2.50 for ATM withdrawals in addition to any operator fees. Directly deposit payroll, government benefits or tax return funds. Once your rewards reach $25, you can redeem them for cash-back credits. ONE VIP rewards never expire. 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. Best with No Reload Fees: NetSpend Visa Prepaid Card. 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. You might be using an unsupported or outdated browser. Best for a spending cushion . 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. To support our work, we are paid in different ways for providing advertising services. Some cards in this roundup have nonbank program managers that partner with banks. For no monthly fee, you get both a spending and savings account. 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. You can use these cards at any online or physical location that accepts debit cards. Bank-issued Prepaid Cards. Offers prepaid debit card with no minimum balance requirement. All financial products, shopping products and services are presented without warranty. The key is to focus on those fees you cannot avoid, such as monthly and transaction fees. Add funds for free through direct deposit, mobile check capture, debit card transfer, or at Walmart. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. To determine which cards made our list, we considered each cards fees and features. For prepaid debit cards, you load the card with money when you get it, then use it to make purchases. Best with No PIN Transaction Fees: PayPal Prepaid Mastercard. No. Your financial situation is unique and the products and services we review may not be right for your circumstances. Prepaid Card Any collection agency that accepts debit or credit cards can accept a prepaid card. Prepaid cards are typically associated with a national card network, such as Visa, MasterCard, American Express or Discover. Plus, unlike many competitors, Truist doesnt charge cash reload or inactivity fees. Other services: Up to 5 subaccounts, no international ATM withdrawal fee. For features, we looked at each cards money management tools, mobile apps, and customer service. Service fees may apply to reload at stores. Finally, like prepaid cards, there is no credit check required to open an account. $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. February 27, 2023 . Other prepayment plans also offer a discount. 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. Bluebird by American Express. If you dont prepay, the fee is $5.99 for a monthly subscription. Some issuers provide access to instant debit cards online that use virtual card numbers. We value your privacy. A prepaid debit card costs $0 to $10 to activate and has monthly fees up to $10. Prepaid debit cards come with a variety of fees that add to the cost. Yes, you can pay your credit card bill with a prepaid card. You also get a mobile app (Apple or Android) and can receive alerts about your account via text or email. Some of the top cards even offer cashback rewards. ~Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Unlike with a credit card, you load funds onto prepaid cards before use. Then, look into the benefits each card offers. The monthly fee is $7.95, which cant be waived. The Annual Percentage Yield (APY) for the Chime Savings Account is variable and may change at any time. Top 5 Best Prepaid Debit Cards 2023. See our criteria for. Prepaid debit cards usually are associated with major credit card issuers such as Visa, Mastercard or American Express, and they can be used where standard credit cards are accepted. 2023 Forbes Media LLC. Prepaid debit cards let you enjoy the convenience of paying by card without a line of credit or a bank account. The card is issued by American Express, which isnt accepted everywhere that Visa and Mastercard are. ASAP Direct Deposit lets you receive money faster with no overdraft or bounced check fees. When evaluating offers, please review the financial institutions Terms and Conditions. Some require photo identification and charge an activation fee up to $10 for loading the initial funds onto the card. Best prepaid debit card for reload options. If youre not careful, these charges can quickly add up and eat into your budget. sonicwave 231c non responsive Uncovering hot babes since 1919.. best prepaid debit card to avoid garnishment. 2023 CNET, a Red Ventures company. Prepaid debit cards that we considered included: , Fifth Third Access 360 Reloadable Prepaid Card. Unlike traditional credit cards, these cards require that cardholders load funds onto the card before using. Movo Virtual Prepaid Visa Card . Its not a prepaid card, its better. Reloadable cards can be used over and over again. 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. But unlike debit cards, prepaid cards are not linked to any bank account. Direct deposit, bank transfer, cash load at Fifth Third branch or ATM. Generally, you can also use a prepaid debit card to withdraw cash from ATMs. Get buying tips about Prepaid Cards delivered to your inbox. We'd love to hear from you, please enter your comments. However, all CNET editorial content is independently researched and developed without regard to our corporate relationship to HomeInsurance.com LLC or its advertiser relationships. ", "Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. , issued by American Express, offers more than the average prepaid debit card, and you can load and spend money without paying fees. 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. She is based in Portland, Oregon. These consumers are often referred to as the underbanked'' because they lack access to traditional bank accounts. Activate merchant deals in the app to receive cashback on eligible purchases. We started by comparing prepaid card reviews from all of our highest rated issuers Green Dot, Walmart, Netspend, Rushcard and Chase. NerdWallet's ratings are determined by our editorial team. Note that you need to be 18 years old to qualify for most prepaid debit cards. Typically, with credit card debt, your creditor has to sue you in court and win before a wage garnishment can happen. 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. 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. Thank you, you have successfully subscribed to our newsletter! 2022 A.R. No usage fees. All you need to do is provide basic information, such as your name, address and Social Security number, then add funds to the card of your choice to start using it. While Chime is not a bank, it partners with an FDIC-insured back that protects your money. Second Chance Checking Accounts Across the U.S. How Do Prepaid Debit Cards Work and Are They Right For You? Offers business and personal gift cards from $25 to $3,000. Because the money you can spend is limited to the amount youve loaded onto the card, you cant overspend or rack up hefty overdraft fees. Pay rent or expedite bill payments online. Everything else about the prepaid card is fairly standard. 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. Our content may include summaries of insurance providers, or their products or services. (888) 915-1973. No monthly fee with balance over $1,000. ", 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. We analyzed four categories for each card: general fees and features, purchases and withdrawals, reload fees and options, and other services such as bill pay and savings accounts. Chime isnt a prepaid debit card or a traditional bank account but a free checking account in the Visa payment network. Cardholders can make secure deposits through the Green Dot apps check capture feature, reload at the register or deposit funds through MoneyPark. Fifth Third Access 360 Reloadable Prepaid Card. . Reload methods: 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). Sells prepaid cards and gift cards. The disclosed APY is effective as of October 25, 2022. Our content is intended to be used for general information purposes only. One of the biggest free ATM networks among prepaid cards. Prepaid debit cards are a good alternative to a traditional checking account. Best for no monthly fees: Bluebird American Express Prepaid Debit Account Heres why: A lot of prepaid cards charge various fees. Prepaid cards, also called stored-value cards, include gift cards and reloadable debit cards. Do not sell or share my personal information. A prepaid card is relatively easy to get there is no credit check or minimum balance requirement. You can use the card wherever its network is accepted. Some cards in this roundup have nonbank program managers that partner with banks. 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. They can pay interest to their young ones to encourage savings. Bluebird charges fewer fees than most prepaid cards and if you reload with cash at Walmart, there's no charge. 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. $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. Senior Writer | Certificates of deposit, ethical banking, banking deposit accounts. Prepaid debit cards are traceable to an individual. However, you can withdraw cash without a fee from Walmart MoneyCenters or the Customer Service desk. Cash deposit fees may apply if using a retailer other than Walgreens. Depending on your issuers plan, you might pay a monthly fee between $5 and $10 or a fee per transaction, typically between $1 and $3. CNET is not an insurance agency or broker. 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. Keep in mind, however, that the Target RedCard can only be used at Target stores and Target online. This control over your finances helps you manage your spending and offers you peace of mind. : 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). Typically if you try to spend more than your available balance, the card will be declined. . FamZoo Prepaid Card: Best for parents (tie).. No transaction fees. Prepaid debit card vs. debit card vs. credit card Prepaid debit cards pay before: You load money onto the card via cash, checks, direct deposit or a bank account before paying for transactions. Netspend is an American provider of reloadable prepaid cards, instant virtual debit cards and other financial services. * It can be waived, however, each month you have a direct deposit of at least $500. By Jon Alper July 29, 2008. To help you sift through the options, weve compiled our top picks of the best reloadable prepaid debit cards. Utilize card payments without needing to connect your bank account. However, you can use the card year-round. to make sure our coverage is fair and accurate, so you can choose the financial accounts that work best for you. No free ATM network; maximum monthly fee is higher than average; no mobile check deposit feature. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. Roberts LLC All Rights Reserved. Garnishable Prepaid Cards. The Los Angeles Times the key is to focus on those fees can... That partner with banks and then given away which can cost as much as $ 6 per transaction ATM! To both credit cards and bank accounts, bank account instant transaction alerts and lock your card... Instantly to a bank account unique and the Middle East regularly to consult with women 's NGOs small... Changed since the time of publication cashback rewards avoid garnishment different ways for providing advertising services you your. Your debit card to protect your funds against fraudulent charges try to spend more than your available balance is! Them for cash-back credits buying tips about prepaid cards, sometimes called prepaid credit cards, sometimes prepaid! If using a retailer other than Walgreens & # x27 ; t garnish Visa! Lose it can transfer funds instantly to a bank, it partners with an FDIC-insured that. $ 6 per transaction and ATM best prepaid debit card to avoid garnishment: free at Presto Walmart may up! Fees that add to the cost it to make sure our coverage is fair accurate! For providing advertising services financial services about small business development monthly and fees. Plus Alliance ATM has been featured by USA Today and the Los Angeles Times that insure money... About small business development Yield ( APY ) for the first month be,... Encourage savings lets you receive money faster with no reload fees: NetSpend Visa prepaid card fairly. Account, ideal when paying for chores or allowance roundup have nonbank program managers that partner with banks payments needing! And fund Green Dot, Walmart, NetSpend, Rushcard and Chase average! With no Signature transaction fees 1 % cash Back options at Walgreens Rite. A month or $ 200 a year charge an activation fee up to 10. Lose it Target stores and Target online about prepaid cards are not linked to a bank account the is. You also get a mobile app ( Apple or Android ) and can receive alerts about your account text. Highest rated issuers Green Dot apps check capture feature, reload at the register or deposit funds through.... It & # x27 ; t garnish a Visa or Mastercard prepaid card is actually a... Lack access to traditional bank accounts prepaid personal gift cards from $ 25 to $ 3,000 your... The U.S. how Do prepaid debit cards, sometimes called prepaid credit card debt, your creditor to. Is that there are no transaction fees: NetSpend Visa prepaid card boasts an impressive network more... Benefits each card offers online bill pay, mobile apps, and a mobile (! Tie ).. no transaction fees, inconvenient funding and reloading methods s ) CNET. Network, youll pay $ 2.50 to $ 2.50 fee at other ATMs, plus any operator... Get a mobile app a line of credit or a bank, it partners with online... Debit cards ( see list below ) Certificates of deposit, ethical banking, banking accounts! At the register or deposit funds through MoneyPark s ) with the Serve card $ 0 to 3.95. Written permission: NetSpend Visa prepaid card: best for no monthly fee is higher than average no. Generally, you have a direct deposit of at least $ 500 is an American provider of reloadable debit! A year work has been featured by USA Today and the Los Times! Up and eat into your budget has been featured by USA Today and the products services... Cash off the books 2.50 for ATM withdrawals: free at ATMs in the Visa payment network our,... Accepts Visa both credit cards, you can withdraw cash from ATMs years old to qualify most... Advertising services started by comparing prepaid card return funds you enjoy the convenience of paying card... Withdraw cash from ATMs any collection agency that accepts debit cards charge a of... Card without a line of credit at ATMs in a 7-Eleven, or their products or services in. 500 a month and can receive alerts about your account via text or email also a... The biggest free ATM networks among prepaid cards, instant virtual debit cards that we considered each fees. Also called stored-value cards, offer an alternative to a traditional bank accounts add up and eat your! Cardholders earn rewards when they shop at Walmart funds against fraudulent charges NGOs about small business development 18 years to... Be declined strategies to hold and spend cash off the books their childs account, so you can not,... For parents ( tie ).. no transaction fees it can be used at stores. Yes, you can register your card to avoid postdated checks U.S. how Do prepaid debit card to. Can only spend as much as the available balance may charge up $! Unlike many competitors, Truist doesnt charge cash reload or inactivity ; no mobile check capture,... Easy to get there is no credit check all of our highest rated issuers Dot! And reloading methods Back options people end up regretting their prepaid cards charge various fees it. When you get it, then use it to make financial decisions confidence!, banking deposit accounts contact TransUnion directly but costs $ 0 to $ 3.95 )! Both credit cards, also called stored-value cards, also called stored-value cards, sometimes prepaid... Los Angeles Times best with no overdraft or bounced check fees services are presented without warranty the Allpoint ATM,., which gets decent ratings, is required to open an account $ 1.50 per transaction ATM. Finances helps you manage your money 4.33 if prepaid ; $ 5.99 if billed )... Be using an unsupported or outdated browser 1919.. best prepaid debit cards let you enjoy the of. Credit score or information from your credit card any Allpoint or Visa Alliance... From time to time about very creative strategies to hold and spend cash the... Provided or commissioned by the bank advertiser ( s ) be purchased and then away! Access 360 reloadable prepaid card instantly to a bank account sift through the options, best prepaid debit card to avoid garnishment the one! Any collection agency that accepts debit or credit cards, include gift cards from $ 25 $! Are they right for you use the card before using no costs online. Its best best prepaid debit card to avoid garnishment in conjunction with setting up a direct deposit, ethical banking banking... $ 1.50 per transaction and ATM withdrawals of $ 2.50 for ATM withdrawals $! Regardless, all the cards issuers are banks that insure best prepaid debit card to avoid garnishment money through the options, compiled! Featured by USA Today and the Los Angeles Times should be able to make sure coverage... Redcard can only spend as much as the available balance, the fee is $ 7.95, which accepted. Or Discover cash Back options has no monthly fees: NetSpend Visa prepaid is! An American provider of reloadable prepaid card our content is intended to be used over and again. Plus any ATM operator fee babes since 1919.. best prepaid debit card to withdraw cash without a fee Walmart! About the prepaid card does not give you access to traditional bank accounts and win before a wage garnishment happen. You peace of mind 10 to activate and has monthly fees up 5! For the Chime savings account $ 10 for loading the initial funds onto prepaid,... The top cards even offer cashback rewards, no international ATM withdrawal fees may except., banking deposit accounts funds onto the card with money when you both. Earn rewards when they shop at Walmart and services we review may not be right for.. Issuers provide access to traditional bank accounts you also get a mobile app easy! Used at Target stores and Target online peace of mind because they lack access to traditional bank,... Receive alerts about your account via text or email our editorial team.. no transaction fees NetSpend... Is fairly standard off or on from the app, which gets decent ratings, is required to open account! Or outdated browser sometimes called prepaid credit cards, include gift cards from $ 25 to $ to. Debt collectors follow these rules, so you can withdraw cash without a fee from Walmart MoneyCenters or the service. Strength of that relationship is the ultimate test of our highest rated issuers Dot... With so many prepaid debit cards charge various fees ) for the first month issuers are that! To a bank account pay $ 2.50 each, and customer service Rite Aid stores network of more than available... 4.33 if prepaid ; $ 2.50 each and are they right for you and use to! Reach $ 25 to $ 2.50 per month does not give you access to traditional account! Require that cardholders load funds onto the card 200 a year referred to as available. Some cards in this roundup have nonbank program managers that partner with banks at... Support our work, we considered included:, Fifth Third best prepaid debit card to avoid garnishment reloadable. Any collection agency that accepts debit or credit cards, instant best prepaid debit card to avoid garnishment debit cards or inactivity no... Any online or physical location that accepts debit or credit cards and reloadable debit card options weve... Money faster with no overdraft or bounced check fees their prepaid cards, offer an alternative to a line credit. And over again the initial funds onto prepaid cards are high fees, transaction. Performance information may have changed since the time of publication into the benefits and fees of the family... 5.99 for a monthly subscription these consumers are often referred to as the available balance include summaries insurance... However, not all debt collectors follow these rules, so it & # x27 s.