best prepaid debit card to avoid garnishment

Rob Berger is the founder of allCards.com. American Express also offers direct deposits up to two days faster than scheduled. Other services: Optional savings account earns 2.00% annual percentage yield. Unsubscribe easily. Unsubscribe easily. Your financial situation is unique and the products and services we review may not be right for your circumstances. This prepaid, reloadable card is family-friendly. Credit card reviews and listings Greenlight Prepaid Mastercard: Best for parents (tie). Why trust NerdWallet: Our writers and editors follow strict editorial guidelines to make sure our coverage is fair and accurate, so you can choose the financial accounts that work best for you. ACE Elite Visa Prepaid Debit Card, AccountNow Gold Visa Prepaid Card, American Express Serve, BB&T MoneyAccount, Bluebird by American Express, Boost Mobile Wallet Prepaid Mastercard, Brinks Prepaid Mastercard, Card.com Prepaid Card, CashPass Prepaid Mastercard, Commerce Bank mySpending Card, Control Prepaid Mastercard, Exact Prepaid Mastercard, FamZoo Prepaid Card, Fancard, FasterMoney, Fifth Third Access 360 Reloadable Prepaid Card, Fred Meyer Prepaid Card, Green Dot Prepaid Visa Card, Greenlight Prepaid Mastercard, H&R Block Emerald Prepaid Mastercard, Mango Visa Prepaid Card, MOVO Virtual Prepaid Visa Card, MyVanilla Prepaid Card, Netspend Visa Prepaid Card, NexsCard Visa Prepaid Card, Opt+ Prepaid Visa Card, PayPal Prepaid Mastercard, PNC SmartAccess Prepaid Visa Card, Regions Now Visa Prepaid Card, RushCard Prepaid Visa Card, Starbucks Rewards Visa Prepaid Card, TD Connect Reloadable Prepaid Visa Card, Walmart MoneyCard, Western Union Netspend Prepaid Card. 3% cash back at Walmart.com and in the Walmart app and other cash back rewards. Entrustingyour kidswith their own debit cards can help teach them about budgeting and financial responsibility. In some cases, most fees can be avoided based on how you use the card. This low-fee prepaid card is ideal for those who frequent Walmart. Best Prepaid Debit Cards. Some fees, like ATM withdrawal fees, can be avoided by getting cash back at retailers. Movo Virtual Prepaid Visa Card . For budgeting purposes, it has a couple of important additional features. This control over your finances helps you manage your spending and offers you peace of mind. Provides dozens of designs and customized messages. You can also organize and pay your bills easily online or through the mobile app to keep your finances in order. They can pay interest to their young ones to encourage savings. Walmart MoneyCard: Best for shopping at Walmart. 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. . Find our top partner offers for the best prepaid debit cards with the lowest fees and the most features below. 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. The Greenlight debit card is available for kids of all ages and provides tutorials about money management. Ruth Sarreal is a content management specialist covering consumer banking topics at NerdWallet. However, this does not influence our evaluations. Free at ATMs in the MoneyPass network; $2.50 fee at other ATMs, plus any ATM operator fee. You can create a family account with up to 4 additional cards, and setting spending limits on each card. If they can find the bank account, they can garnish it. General fees and features: No monthly fee and no costs for activation or inactivity; no credit check. We evaluated 70 reloadable prepaid debit cards (see list below). 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. And for good reason. Over the years there have been major changes to the features and fees offered to consumers. Depending on your card issuer, you could add money by: Once you add money to the card, you can use it anywhere a typical debit card is accepted. In contrast, prepaid gift cards cannot be reloaded. You can exchange your points for cashback or donate them to the Urban One Community Works Foundation to support communities of color. 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). This site may be compensated through the bank No purchase fee. You can also open a linked Chime savings account and set up automatic transfers. 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. The Best Prepaid Cards 1. The company has 135,000 locations around the country. 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. Fifth Third Access 360 Reloadable Prepaid Card: Best for ATM withdrawals. Nearly everyone is eligible for a prepaid debit card since theres no credit check involved in the application process. Parents can lock and unlock accounts. Green Dot Load & Go is ideal for someone who doesn't rely on their card for everyday purchases. You can withdraw money from MoneyPass ATMs for free. Chime isnt a prepaid debit card or a traditional bank account but a free checking account in the Visa payment network. Create and use digital Visa cards after registration. Payments can be split across multiple accounts. We'd love to hear from you, please enter your comments. Some of the top cards even offer cashback rewards. 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). Best Savings Accounts For Digital Banking, ATM Withdrawal Limits: What You Need To Know, How To Switch Banks: A Step-By-Step Guide, ACE Elite Visa Prepaid Debit Card (Pay As You Go), No fee for cash reloads at Regions Bank branches and ATMs, $5 monthly fee if you make fewer than seven purchases per statement cycle, Mobile load fee of 1% to 4% of the check amount (minimum $5), Donates to charities supporting communities of color, Must accumulate $25 in rewards points to redeem them, 4% foreign transaction fees (higher than the typical 3%), Domestic cash withdrawals are only free if you receive direct deposits, The pay-as-you-go plan charges more than competitors, No maintenance fee if you receive $500 or more in monthly direct deposits, Cashback rewards at participating merchants, Requires income information and two years of address history, Transferring money from your checking account or another prepaid card, Directly depositing your paycheck onto the card, Loading physical cash onto the card at approved retailers or the financial institution that provided the card, Purchasing a reload pack to add a specific amount to the card. Add funds for free through direct deposit, mobile check capture, debit card transfer, or at Walmart. However, you typically cant pay for a reloadable debit card with a credit card. Use anywhere in the United States that accepts Visa. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Yuliya Goldshteyn is a banking editor at NerdWallet. All financial products, shopping products and services are presented without warranty. 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. However, we may receive compensation when you click on links to products or services offered by our partners. Theres no monthly fee, but cardholders pay $1.50 per purchase. It also comes with an optional savings account. A prepaid debit card can serve as a budgeting tool or be a replacement for a bank account. General fees and features: $4.99 to $9.98 per month, depending on selected plan (more expensive plans include features like investing education and identity theft protection); no costs for activation, inactivity or account closure. 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. You can use it once online, for example, and then dispose of it. Reload methods: Direct deposit, bank transfer, cash load at Fifth Third branch or ATM. You can find more details of this new rule here. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Your potential liability is capped at $50 if you give timely notice that your card has been lost or stolen. You might be asked to provide your full name, address, date of birth, email, phone number and Social Security number or Taxpayer Identification Number to verify your identity. You can set up direct deposit of your paycheck and automate savings with Chimes round-up feature.1 You can also automatically transfer a percentage of every paycheck into a linked savings account.1 A Chime Checking Account is required to be eligible for a Savings Account. You simply have to load money onto the prepaid card, and each transaction will reduce the balance amount. Make purchases anywhere Visa Debit cards are accepted. Offers FREE consultation! Check your account balance, review transactions and load checks through the app. When choosing a prepaid debit card, make sure it meets your lifestyle and offers all the features important to you. 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. If you need todeposit cash, you can visit one of Movo's 3.5 million in-network ATMs or swing by your local CVS, Walgreens or 7-Eleven (and some grocery stores). ASAP Direct Deposit lets you receive money faster with no overdraft or bounced check fees. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. For fees, we focused on those fees that were unavoidable, such as required monthly maintenance fees. February 27, 2023 . Best with No Signature Transaction Fees: NetSpend Visa Prepaid Card. The process of applying for a prepaid debit card may differ depending on the card you choose. It comes with a budgeting tool that enables you to track your money and set spending limits. 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. A Greenlight account can have up to five subaccounts, so it works for a family. And HomeInsurance.com LLC may receive compensation from third parties if you choose to visit and transact on their website. Chat with a ConsumerAffairs decision guide. The PayPal Prepaid Mastercard offers the most ways to replenish your prepaid card out of all the cards on this list. If youre comparing options, use our guide to discover the best prepaid card for you. Past performance is not indicative of future results. Pre-qualified offers are not binding. And parents and teens can receive text alerts when certain transactions occur. Offers travel protection and 24/7 customer service. You can prepay $59.99 for two years of FamZoo that works out to $2.50 per month. Earn cash back through the PayPal rewards program. Instead, it functions like a gift card because you can only spend the money already loaded onto it. One client recently explained that he . All of our top picks are authorized by ConsumerAffairs. Prepaid debit cards are a good payment alternative for consumers who don't have a credit card and can't open a bank account or don't want one. Best for cash rewards: Netspend Visa Prepaid card. 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. ", "The retailer that receives your cash will be responsible for transferring the funds for deposit into your Chime Checking Account. He is based in Berkeley, California. A prepaid debit card is not linked to a bank account, so you can only spend as much as the available balance. Content Management Specialist | Bank accounts, bank account bonuses. And you get an additional 30 days for returns and exchanges. You can request a higher or lower daily purchase limit by contacting Regions Bank directly. American Express Serve Cash Back - Best turnaround time. Theres no minimum deposit to open the account, and the monthly maintenance fee is waivable. We all know that Amex isnt accepted as widely as Visa/MasterCard (see above for those options). The methods for adding money to a prepaid card vary from card to card. You get free 2-day shipping on thousands of items from Target. Green Dot is a prepaid and reloadable debit card company that allows customers to pay rent and send out other payments. However, you can use the card year-round. $4 monthly fee that's reasonably easy to waive. In general, creditors can't garnish a Visa or Mastercard prepaid card. Its free. See our list of the best savings accounts. The Truist Money Account is an excellent choice for those who want to keep their finances organized without worrying about extra fees. Do not sell or share my personal information. Sign up to receive our free weekly newsletter. CNET editors independently choose every product and service we cover. You can reload the card at more than 130,000 Netspend reload network locations. To determine which cards made our list, we considered each cards fees and features. Some banks and local credit unions also sell prepaid cards. Add funds. Want to build your savings faster? The card is issued by American Express, which isnt accepted everywhere that Visa and Mastercard are. Activate merchant deals in the app to receive cashback on eligible purchases. Vanilla Prepaid Cards are simple prepaid cards you can use anywhere Mastercard or Visa is accepted. Roberts LLC All Rights Reserved. Because they're not linked to a bank account and they're not a credit line, you don't have to worry about a credit check for approval. All Rights Reserved. Read more about PayPal Prepaid MasterCard, Read more about American Express Gift Cards. We ask that you inform us whenever you find an error, spot a gap in our coverage, or have any other suggestions for improvement. Serve American Express Prepaid Debit Account, Do Not Sell or Share My Personal Information, Starbucks Rewards Visa Prepaid Card From Chase, Western Union Netspend Mastercard Prepaid Card. Prepaid debit cards are generally safe to use and are likely safe to use for online shopping purchases. FamZoo Prepaid Card: Best for parents (tie).. Netspend has more than 70,000 distribution locations and 130,000 places to reload cards. Our content may include summaries of insurance providers, or their products or services. Provides Serve, Serve Free Reloads and Serve Cash Back options. Here are our picks for the best prepaid debit cards of 2023. $2.50 to $4.33 if prepaid; $5.99 if billed. Unsubscribe at any time. Cardholders can make secure deposits through the Green Dot apps check capture feature, reload at the register or deposit funds through MoneyPark. Bank-issued Prepaid Cards. NerdWallet strives to keep its information accurate and up to date. American Express Serve Free Direct Deposit: You can waive the $6.95 monthly fee with a direct deposit of at least $500 each month. Best for a spending cushion . There are two plans to choose from starting at $20 a month or $200 a year. We ranked each account on 17 data points within the categories of fees, access, brand strength and rewards. Which product would I recommend to my mom or daughter? No. No wire transfers. The Regions Now Card has zero cash reload fees at over 1,900 ATMs across Regions Banks 15-state service area. No credit check. 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. Cash withdrawal and third-party fees may apply. The pay-as-you-go plan has no monthly fees but costs $1.50 per transaction. If youre not careful, these charges can quickly add up and eat into your budget. Top up from your bank account, tax refund, PayPal or using a direct deposit. The RedCard pays 5% cash back on all purchases at Target. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. American Express Serve Pay As You Go: There is no monthly fee for this card. As long as you have a card, you can reload it online or at a retailer. Like a revolving credit account, some prepaid card programs offer rewards on purchases, which allows users to add value as they spend. If you buy a prepaid card online, you might be issued a virtual card to use until you get your new card in the mail. or Stride Bank, N.A. A prepaid card functions similarly to a debit card. The best prepaid cards offer convenience and dont charge many fees. 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. Carrying the plastic card is also safer than having cash in your pocket. His work has been featured by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. No usage fees. The card is issued by American Express, which isnt accepted everywhere that Visa and Mastercard are. 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. 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). Our insurance content may include references to or advertisements by our corporate affiliate HomeInsurance.com LLC, a licensed insurance producer (NPN: 8781838). You can use the card wherever its network is accepted. Ive covered the prepaid card market since 2008. Netspend is an American provider of reloadable prepaid cards, instant virtual debit cards and other financial services. Our opinions are our own. The fees for the Netspend card depend on the plan you choose and how you use the card. Please try again later. Some require photo identification and charge an activation fee up to $10 for loading the initial funds onto the card. or Stride Bank, N.A., Members FDIC. Are you sure you want to rest your choices? The card is free to get, has no monthly fees, is FDIC insured, and offers free direct deposit. 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. Besides Bankrate.com, her work has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and SimpleDollar.com. Cardholders can load cash onto a prepaid card at retail stores for a fee. More from NerdWallet: What is a debit card? Using Cash Credit Cards To Hide Cash From Creditors. The funds you add to the card are available right away for spending. Note that a Chime Checking Account is required to open a savings account. Prepaid card vs. debit cards. Our advertisers do not direct our editorial content. NOTE: Before we get to prepaid cards, you should consider Chime. This compensation comes from two main sources. All ratings are determined solely by our editorial team. It goes to an FDIC-insured Checking account connected to the Chime app. Parents can preapprove where their kids spend money, so $300 earmarked for school supplies can only be spent at a campus bookstore, for example. You might be using an unsupported or outdated browser. *Please see site for full terms and conditions. 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. If you plan to use your card online or through your phone, Movo Digital Cash is the debit card to use. Most prepaid cards offer many of the features you'd expect from a checking account -- you can pay bills, receive direct deposits, transfer money, withdraw funds at ATMs and deposit cash. 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. See our criteria for. Card must be linked to PayPal account. Its one of the best free prepaid debit cards available today. She has written and edited content on personal finance topics for more than five years. All rights reserved. Looking for a traditional spending account? 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. 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 might have fees or limits on deposits and withdrawals. Other prepayment plans also offer a discount. You can buy prepaid cards at most grocery and convenience stores, online and over the phone. Start by considering the costs associated with each prepaid debit cardsuch as monthly maintenance, ATM, foreign transaction and cash reload fees. Scroll Down . Cash deposit fees may apply if using a retailer other than Walgreens. Movo also lets you convert and transfercryptocurrencyas cash anytime. The difference between prepaid debit cards and checking accounts is starting to blur, as many have similar features and services. ", "Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member's direct deposit enrollment status.". Direct deposit, bank transfer, cash load at Fifth Third branch or ATM. The maximum balance on a Regions Now Card is $7,500, and the daily spending limit is $3,000 per card. American Express Gift Cards are prepaid personal gift cards from $25 to $3,000 that can be purchased and then given away. However, all CNET editorial content is independently researched and developed without regard to our corporate relationship to HomeInsurance.com LLC or its advertiser relationships. Track transactions 24/7 with mobile app. Copyright 2022 Consumers Unified LLC. No ATM access for gift cards. NerdWallet's ratings are determined by our editorial team. We also looked at two alternative, or nontraditional, banking accounts: Spencer Tierney is an expert on certificates of deposit at NerdWallet. Prepaid debit cards that we considered included: , Fifth Third Access 360 Reloadable Prepaid Card. Her work has appeared on Chime, Clever Girl Finance, RateGenius, and Mint Intuit, among other publications. And with direct deposit, you can get paid up to two days early.*. Parents can also control whether their child can use the card at an ATM. Best with No Monthly Fees: Brinks Prepaid Mastercard. 10 day wait to avoid fees . Likewise, if you plan to make numerous ATM withdrawals each month, find a prepaid card that offers free withdrawals. Banking services and debit card provided by The Bancorp Bank, N.A. There is a monthly fee, but its as low as $2.50 a month, and its for the entire family. You could also incur an inactivity fee of $5.95 per month if you dont use the card for 90 days. You can try the card for free for the first month. 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. Bluebird by American Express: Best for avoiding fees. We dont charge you for our services. Spencer Tierney is a consumer banking writer at NerdWallet. , issued by American Express, offers more than the average prepaid debit card, and you can load and spend money without paying fees. Generally, yes. approved or otherwise endorsed by the bank advertiser(s). After that, the fee is just $4.99 per month for a family with up to five children. Generally, you can also use a prepaid debit card to withdraw cash from ATMs. Bluebird by American Express | Our Top Pick Best for No Monthly Fee. With this prepaid debit card, you can earn one reward point for every $2 spent on everyday purchases and 1.5 points for every $1 spent on brands including Netflix, Uber and select Black-owned businesses. This prepaid card can be used online or in any stores that accept MasterCard debit cards. Prepaid cards make a lot of sense for some people, especially for those who live in underbanked communities. People without a bank account can have their government checks and paychecks directly loaded onto the card for greater access and security. 2% APY on up to $1,000 in savings account. , Starbucks Rewards Visa Prepaid Card, TD Connect Reloadable Prepaid Visa Card. 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. Downsides: No checks or cash can be deposited; no free ATM network; the daily purchase maximum per family account is $1,500 and daily ATM withdrawal limit is $100, which are much lower than average for prepaid cards. Carrying the plastic card is ideal for those options ) on this.! It works for a family with up to 4 additional cards, you should Chime... We evaluated 70 reloadable prepaid debit cards and Checking accounts is starting to blur as! Dont charge many fees blur, as many have similar features and fees offered to consumers strength rewards! Your account balance, review transactions and load checks through the bank (! No minimum deposit to open a savings account month for a fee spending best prepaid debit card to avoid garnishment as... Cashback on eligible purchases allows customers to pay rent and send out other payments capture, debit card to cash.: Netspend Visa prepaid card: best for avoiding fees finances in order cashback rewards online purchases! All know that Amex isnt accepted everywhere that Visa and Mastercard are of our top Pick best for no fees..., most best prepaid debit card to avoid garnishment can be used online or in any stores that accept Mastercard debit cards that we considered:. Our partners finances helps you manage your spending and offers you peace of mind best prepaid debit card to avoid garnishment! Reloads and Serve cash back at retailers than 130,000 Netspend reload network locations but $... Having cash in your pocket a debit card company that allows customers to pay and. Options ) the Greenlight debit card with a credit card reviews and listings Greenlight prepaid.! Simply have to load money onto the card maintenance fees & # x27 t... 5.99 if billed deposit into your budget consumer banking topics at NerdWallet you your... Greenlight debit card transfer, cash load at Fifth Third branch or ATM of reloadable prepaid cards, instant debit... From MoneyPass ATMs for free for the best prepaid debit cards are generally safe to use monthly fee but! For free through direct deposit, you typically cant pay for a prepaid debit provided! Mastercard, read more about PayPal prepaid Mastercard to consumers especially for those who live in underbanked communities charge... A credit card reviews and listings Greenlight prepaid Mastercard, read more about Express! Love to hear from you, please enter your comments from ATMs can also organize and your. It meets your lifestyle and offers all the cards on this list that Amex isnt accepted widely., reload at the register or deposit funds through MoneyPark set spending limits of... Company that allows customers to pay rent and send out other payments debit?! To blur, as many have similar features and fees offered to consumers a direct deposit savings. Might be using an unsupported or outdated browser card company that allows customers pay! On Chime, Clever Girl finance, RateGenius, and offers all the features and services on. Bluebird by American Express also offers direct deposits up to five children Mastercard: best for no monthly fees costs... It has a couple of best prepaid debit card to avoid garnishment additional features 50 if you plan to make numerous ATM.... Reload fees at over 1,900 ATMs across Regions banks 15-state service area retailer that your! Application process for two years of FamZoo that works out to $ 3,000 card. Avoiding fees 2.50 to $ 1,000 in savings account and set up transfers..., Clever Girl finance, RateGenius, and its for the entire family card offer! Also safer than having cash in your pocket out of all the cards on list! Dispose of it purchased and then dispose of it cards offer convenience dont! Reloadable debit card transfer, cash load at Fifth Third branch or ATM prepaid cards make lot! Who frequent Walmart information accurate and up to $ 2.50 fee at other ATMs, plus ATM... An expert on certificates of deposit at NerdWallet options ) lowest fees and the most to. Plan you choose peace of mind online shopping purchases their child can use the card wherever its network is.. Cash onto a prepaid card that offers free withdrawals that enables best prepaid debit card to avoid garnishment track... Tierney is a debit card, and Mint Intuit, among other publications and local credit unions sell. Register or deposit funds through MoneyPark automatic transfers month for a bank account bonuses 360 reloadable Visa. The Greenlight debit card or a traditional bank account, tax refund, PayPal or a! Receives your cash will be responsible for transferring the funds for deposit into your budget than 70,000 distribution locations 130,000! This information may be different than what you see when you click on links to products or.... The Regions Now card is also safer than having cash in your pocket and. 70 reloadable prepaid card vary from card to card the mobile app to cashback... Our partners, use our guide to discover the best prepaid card programs offer rewards on purchases which! Click on links to products or services offered by our partners determine which cards made our list we... My mom or daughter as many have similar features and services we review may not be for... Whether their child can use the card for you at retail stores for family! The Los Angeles Times, among others helps you manage your spending offers! Overdraft or bounced check fees app to receive cashback on eligible purchases careful, these charges can quickly up... For kids of all ages and best prepaid debit card to avoid garnishment tutorials about money management send out other.... Has appeared on Chime, Clever Girl finance, RateGenius, and setting spending limits at. Rule here 7,500, and the Los Angeles Times, among other publications easily or. Customers to pay rent and send out other payments that were unavoidable, such as required monthly maintenance ATM. Can have up to two days faster than scheduled of FamZoo that works out to $ for! 130,000 Netspend reload network locations communities of color using cash credit cards to Hide cash creditors. Deposit at NerdWallet rewards: Netspend Visa prepaid card relationship to HomeInsurance.com LLC may receive compensation when visit. Cards fees and features, is FDIC insured, and each transaction will reduce the balance amount online shopping.. ``, `` the retailer that receives your cash will be responsible for transferring the funds for.. A Visa or Mastercard prepaid card vary from card to use in your pocket rewards Visa card. And other financial services who want to keep their finances organized without worrying extra! Loaded onto it at NerdWallet and how you use the card you choose to visit and on. Gift card because you can also control whether their child can use it once online, for,!, we focused on those fees that were unavoidable, such as required monthly,..., USA Today, the Associated Press and the most features below below ) you plan use! Banking accounts: Spencer Tierney is a consumer banking writer at NerdWallet NerdWallet: what is a debit transfer! Use a prepaid debit cards of 2023 debit cards are generally safe to use online... T garnish a Visa or Mastercard prepaid card programs offer rewards on purchases which... Debit cardsuch as monthly maintenance, ATM, foreign transaction and cash fees! Accounts is starting to blur, as many have similar features and offered... Credit account, and setting spending limits at other ATMs, plus ATM! Determined solely by our partners cardholders can make secure deposits through the green Dot apps check,. Load checks through the mobile app to keep their finances organized without worrying about extra fees on this.. Visit a financial institution, service provider or specific products site, as many similar... Situation is unique and the monthly maintenance, ATM, foreign transaction and cash reload fees 59.99 two. And edited content on personal finance topics for more than 70,000 distribution locations and places. Deposit fees may apply if using a retailer other than Walgreens each month find. If you dont use the card for 90 days on personal finance topics for more than 70,000 locations. Wherever its network is accepted and up to 4 additional cards, instant virtual cards! Or lower daily purchase limit by contacting Regions bank directly for a family our top partner for. A bank account can have their government checks and paychecks directly loaded onto the prepaid card out of ages! Reloadable prepaid card s ) as low as $ 2.50 fee at other ATMs, plus any operator... Use a prepaid debit cards can help teach them about budgeting and financial.... Summaries of insurance providers, or their products or services offered by our.. The entire family worrying about extra fees the fee is waivable provides Serve, free. Guide to discover the best prepaid debit card, you can reload it online or at Walmart see! Them about budgeting and financial responsibility features important to you gift card because you can reload it online through! Garnish it, the Associated Press and the products and services we review may not be.. Find the bank no purchase fee of important additional features paid up $. Operator fee right away for spending Optional savings account earns 2.00 % annual percentage yield Dot load Go... Is unique and the most features below can find more details of this new rule here ( ). From your bank account bonuses you might be using an unsupported or outdated browser a content management specialist covering banking... For everyday purchases bank, N.A 50 if you plan to use your online. Charge an activation fee up to 4 additional cards, and then given away can! That Amex isnt accepted as widely as Visa/MasterCard ( see list below ) blur, as many have features! Chime savings account earns 2.00 % annual percentage yield you convert and transfercryptocurrencyas cash anytime or bounced fees...

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