Active GO2bank account required to receive eGift Cards, eGift Card merchants subject to change, as well as the percentage of cash back from each merchant. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Overdrafts are paid at our discretion. Other eligibility and restrictions apply. Check Temporary Card Balance Opt-in required. Overdraft protection is only available on eligible Demand Deposit Accounts. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Our ratings are calculated based on fees, rates, rewards and other category-specific attributes. $2.50 fee for bank teller and ATM withdrawals, plus any third-party fee charged by a bank or ATM operator. See Deposit Account Agreement (PDF) for terms and conditions. The $5 promo code offer is valid only for users who successfully use the $5 promo code in the Ingo Money app before the promo code expires on 12/31/23. SmartAccess Prepaid Visa Debit Card - PNC Bank These services can help you monitor your credit and catch mistakes as early as possible. APY maychange before or after you open an account. Netspend Visa Prepaid Card: Best Visa card for everyday use Western Union Netspend Prepaid Mastercard: Best for Western Union members Netspend Prepaid Mastercard: Best Mastercard for everyday use Control Prepaid Mastercard: Best for select rewards Self - Credit Builder Account: Best for building credit Plus pay bills, send money, and set aside money in the Vault. Log in to your account and refer to your Account Agreement to check feature availability.. Overdrafts are paid at our discretion. Your wireless carrier may charge a fee for data usage. Your payroll, government benefits, unemployment or pension direct deposit of $250+ must post to card by 6/30/23, then a $20 credit will be applied to your account by the 15th business day of the month following your qualifying deposit. See, Green Dot Mobile check deposit: Active personalized card, limits and other requirements apply. Prepaid cards which work like traditional debit cards but arent linked to a bank account can be an important money-management tool for people who need help sticking to a budget or want to avoid getting into credit card debt. Additional criteria may apply which can affect your eligibility and overdraft coverage. Business Debit Card. One $20 credit per customer. Serve Pay As You Go Limits apply to bank transfers. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. For general information about prepaid accounts, visitcpfb.gov/prepaid. Free direct deposit - get your pay up to two days early; published: 27 September 2022 Pay-as-you-go prepaid cards are a great choice for parents keen to keep a lid on their children's spending. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. 2023 Ingo Money, Inc. All rights reserved. Limits apply. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. Spend tracking with major credit card issuers, What you need to know about instant use credit cards, Guide to Upgrade Card: A credit card and installment loan hybrid, Free-to-cheap Halloween stuff to scare off credit card debt. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. Credit score calculated based on FICO Score 8 model. Benefits include free in-network ATM withdrawals, online bill pay and up to 2% interest on balances. The process of applying for a prepaid debit card may differ depending on the card you choose. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. See app for participating retailers. 9 Best Reloadable Credit Cards (July 2023) - CardRates.com Sweepstakes starts 6/30/23 ends 9/30/23. APY may change before or after you open an account. Additional customer verification may be required. APY may change before or after you open an account. Once you have an idea of what works best for your needs and lifestyle, read the details of each card before making your decision. Otherwise, you wont have full access to the cards features or be able to reload it, meaning that when your initial deposit is spent in full, the card itself is rendered useless. Most recently, Green Dot launched GO2bank, the second iteration of its mobile banking service for consumers. Account must be in good standing and chip-enabled debit card activated to opt in. To access and spend the money you have set aside, simply transfer it from your Vault back to your card. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. Includes most Visa, Mastercard, and Discover cards. APY may change before or after you open an account. Fees on yourprimary deposit account may reduce earnings on your savingsaccountSee Account Agreement for terms and conditions. Early direct deposit availability depends onpayor type, timing, payment instructions, and bank fraud prevention measures. Interest is paid annually on the average daily balance savings of the prior 365 days, up to a maximum average daily balance of $10,000 and if the account is in good standing. APY may change before or after you open an account. The prepaid Green Dot Visa Debit Card probably has more in common with traditional debit cards than the companys other offerings. There are several ways to do so. $1.50 per transaction fee. Activated, chip-enabled GO2bank card required to purchase eGift Cards. Prizes are reported on form 1099 to the IRS. Savings account rates arebased on the $2,500 product tier of insured depositoryinstitutions for which data is available. Comenity Bank might not be a name you hear much, but this major credit card issuer is behind many store credit card products in todays market. up to 2 days for payroll and up to 4 days for government benefits with early direct deposit.*. Learn more about Visa Payroll Card Visa Healthcare Card Use your HSA, FSA or HRA prepaid cards to quickly and conveniently pay for your qualified medical expenses. SeeAccount Agreementat GreenDot.com for termsand conditions. Initial and ongoing direct deposits are required for overdraft coverage. Opt-in required. The Green Dot Bank Privacy Policy does not apply to the linked site and you should consult the Privacy Policy on that site for further information.. Learn more (Overdraft Protection PDF)., Opt-in required. ACE Elite Visa Prepaid Debit Card - Online Banking Services and Green Dot cards are sold at retailers such as CVS,. Compare Prepaid Cards | MoneySuperMarket Walmart MoneyCard Prepaid Debit Card Review - NerdWallet He enjoys showing people how to travel more, spend less and live better through the power of travel rewards. 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. See Deposit Account Agreement (PDF) for terms and conditions. Retail service fee of up to $4.95 applies. See Deposit Account Agreement (PDF) for terms and conditions. Prepaid debit cards typically have no application process and dont consider your banking history. Activate and Verify Your Identity2. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Limits apply. Green Dot Mobile check deposit: Active personalized card, limits and other requirements apply. Best Credit Cards for International Travel, Prepaid Debit Card vs. . PDF anytime, anywhere you need it. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Call 800-872-2657. You may only transfer money in or out of the Vault 20 times per day. Fees on yourprimary deposit account may reduce earnings on your savingsaccount. 2.00% Annual Percentage Yield (APY) is accurate as of January 2023. VT, PR & US Territories and Possessions) & 18 or older to enter. Once there, your funds are insured up to $250,000 by the FDIC in the event Green Dot Bank fails, if specific deposit insurance requirements are met and your Card is activated. With Visa debit cards, you can enjoy the convenience of paying directly from your account with all the security that Visa provides. for use at Target stores and on Target.com. Please review our list of best credit cards, or use our CardMatch tool to find cards matched to your needs. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. It has not been provided or commissioned by the credit card issuers. Visit, Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. However, what you dont get with this card is access to Green Dots Money Vault service. Track your temporary Serve card balance and transaction history at serve.com Register for a personalized Serve card at serve.com to access the full benefits of the Serve account 2.00% Annual Percentage Yield (APY) is accurate as of October 2022. Overdrafts are paid at our discretion. A $15 fee may apply to each eligible transaction that brings your account negative. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Credit card identity theft is on the rise. See Account Agreement at GreenDot.com for terms and conditions. Must be a legal permanent resident of the 50 US or DC (excl. Please try again later. Approval review usually takes 3-5 minutes but may take up to one hour. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Be sure to shop around and compare fees to find the best prepaid debit card for your budget. Other fees associated with the Green Dot Cash Back Visa Debit Card include: If youd rather not commit to an ongoing monthly fee, the flexibility of Green Dots Pay As You Go Visa Debit Card might be appealing. Prepaid Cards | Visa CreditCards.com is an independent, advertising-supported comparison service. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Log into your account and refer to your Account Agreement to check feature availability. Green Dot Unlimited Cash Back Bank Account, https://www.fdic.gov/regulations/resources/rates/, https://www.ingomoney.com/partners/greendot-terms-conditions/, https://ingomoneyapp.com/terms-conditions/, https://www.fdic.gov/resources/consumers/consumer-news/2021-12.html, https://files.consumerfinance.gov/f/documents/cfpb_overdraft-chart_2022-02.pdf, See Account Agreement for terms and conditions, GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF). Log into your account and refer to your Account Agreement to check feature availability. Using Your Debit Card. See app for participating retailers.. Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Account must be in good standing and chip-enabled debit card activated to opt in. Any BOA debit or credit card holder can participate for free. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. CUMONEY can be used to make purchases anywhere a VISA debit card is accepted, including Hotels, Rental Car, Gas Pumps, Restaurants & ATMS, Online Purchases; . National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. APY may change before or after you open an account. The average national savings account interest rate of 0.33% is determined by the FDIC as of 1/17/23. Spend & Save. Fees apply for approved Money in Minutes transactions funded to your card or account. Not valid with any other offer. The average national savings account interest rate of 0.21% is determined by the FDIC as of 10/17/22. Target GiftCards cannot be used to purchase any prepaid or specialty gift cards. To check your transactions, text "HIST Last 4" to 43411 (where Last4 is the last 4 digits of your card number). 2.00% Annual Percentage Yield (APY) as of October 2022. Continue reading to see our list of favorite reloadable cards, or skip ahead to the benefits of choosing a prepaid card for purchases. 2.50% Annual Percentage Yield (APY) as of October 2022. Your wireless carrier may charge a fee for data usage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. 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. Fees on your primary deposit account may reduce earnings on your savings account. Use your Visa card on any site where you see the Click to Pay icon. Subject to your banks restrictions and fees. Although this type of fee structure could add up quickly, the tradeoff may be worth it for people who want to use prepaid cards to control their spending in certain purchase categories, such as groceries. Set up balance alerts. Opt-in required. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. Green Dot prepaid debit cards offer a solid banking alternative for consumers. 3. Approval review usually takes 3-5 minutes but may take up to one hour. Find a Visa Card That's Right For You | Visa However, all credit card information is presented without warranty. Early tax refund deposit applies to federal tax returns filed directly with the Internal Revenue Service (IRS) and depends on IRS timing, payment instructions and bank fraud prevention measures. Plus, unlike many competitors, Truist doesnt charge cash reload or inactivity fees. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Use the Temporary Serve Card Coverage limit is subject to aggregation of all of Cardholder's funds held on deposit at Green Dot Bank. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Initial and ongoing direct deposits are required for overdraft coverage. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Aimed mainly at teenagers and students, they have no monthly fee. Prepaid debit cards are issued by banks and usually have a Visa, Mastercard, Discover or American Express logo on them. Credit card must be active. Best Prepaid Debit Cards - Forbes Advisor Learn more at http://www.greendot.com/overdraft. See Deposit Account Agreement (PDF) for terms and conditions. Our top goal is simple: We want to help you narrow down your search so you dont have to stress about finding your next credit card. In other words, a prepaid Green Dot card allows you to pay bills, buy stuff online, withdraw money from ATMs and cash checks, among other things. Since youre not drawing funds against a bank account or accessing a line of credit when you use a Green Dot card, your spending limit is capped at the amount of money you loaded onto it ahead of time. The credits could take 36 to 48 hours to show up in your ONE VIP account. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. (REVIEW) Green Dot Pay As You Go Visa Debit Card - YouTube Overdraft protection is only available on eligible Demand Deposit Accounts. Subject to other banks restrictions and fees. Enjoy no monthly maintenance or bank transfer fees! articles, Do Not Sell or Share My Personal Information, Can deposit, pay bills, and make purchases like a traditional bank account, Some monthly fees waived with direct deposit, Receive direct deposits two or more days early, Available overdraft protection up to $200, Inactivity fees possibly charged if you dont use the card, Out-of-network ATM withdrawals: $3 per transaction, Out-of-network ATM balance inquiries: $0.50, Cash deposits at participating retailers: Free, In-network ATM withdrawals and balance inquiries: Free. Interest is paid annually on the average daily balance of savings of the prior 365 days, up to a maximum average daily balance of $10,000 and if the account is in good standing. They can also be particularly valuable for the millions of unbanked or underbanked individuals who have limited access to mainstream financial institutions. And whats better than one from the company that invented it? Other fees may apply. Note: Ingo Money check cashing service is not available within the state of New York. Serve Pay As You Go Visa Prepaid Card For the Flexible Spender With no hidden or monthly charges, you only pay a small fee when you make a purchase. The primary difference between a regular debit card and a prepaid debit card is that the former is linked to a bank account while the latter isnt. Enjoy peace of mind with Visa's Zero Liability policy * that guarantees you won't be held responsible for . Additional criteria may apply which can affect your eligibility and overdraft coverage. Overdrafts are paid at our discretion. Ingo Money is a service provided by First Century Bank, N.A. Your financial situation is unique and the products and services we review may not be right for your circumstances. How do I check my card balance and transactions? - Green Dot Interest is paid annually on the average daily balance of savingsof the prior 365 days, up to a maximum average daily balanceof $10,000 and if the account is in good standing. Cash back cannot be used for purchases or cash withdrawals until redeemed. See your Cardholder Account Agreement for details. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Current Visa Debit at the issuer's secure website EXPERT'S RATING 4.9 OVERALL RATING 0.0/5.0 Our Review Offer sponsored by Ingo Money. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more. Reasonable efforts are made Overdraft protection is only available on eligible Demand Deposit Accounts. Choose from Same Day Delivery, Drive Up or Order Pickup. Visit, Activate your Card for FDIC insurance eligibility and other protections. For most cards, pay with cash by 6 PM EST for your transaction to post the next business day, excluding weekends and holidays. For instance, if building credit is one of your money goals, a prepaid card wont help you do it. National rates are calculated based on a simple average of rates paid (uses annualpercentage yield) by all insured depository institutions and branches for which data are available. 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. Visa Prepaid Reloadable Personal Cards | Visa Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Over 8000 designs for your debit card. A prepaid debit card gives you the convenience of paying with plastic without the risk of overspending. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. For example, the Regions Now Card has a $7,500 balance limit. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Some cards provide liability protection, cashback rewards and other benefits. Your credit cards journey is officially underway. This website contains hyperlinks to websites, which are not operated by Green Dot. Some prepaid debit cards charge fees for monthly maintenance (typically up to $10 a month), foreign transactions and cash reloads, while others dont. Instead of charging a monthly fee whether you use your card that month or not these card options offer pay-as-you-go functionality that means you pay only for the transactions you make. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Serve American Express Prepaid Debit Accounts ("Serve Prepaid Debit Accounts") are available to U.S. residents who are over 18 years old only (or 19 in certain states) and for use virtually anywhere American Express Cards are accepted worldwide, subject to verification. In addition, certain government benefits, such as federal tax refunds, Social Security income and unemployment payments, can also post to your Green Dot account up to four days earlier than usual. Accuracy, independence and authority remain as key principles of our editorial guidelines. Fees apply for approved Money in Minutes transactions funded to your card or account. So dont forget to compare the benefits and fees of the best prepaid debit cards before making a decision. Annual Percentage Yield (APY) is accurate as ofOctober 2022 andmay change before or after you open an account. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions, and Privacy Policy. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visitcfpb.gov/complaint. The card retains many of the same features as Green Dots other cards, such as free bank transfers, free direct deposits and the option to use the Money Vault. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Previously authorized transactions and deposits/transfers to your account will function with a locked card. If getting a handle on your finances is one of your goals this year, a prepaid card could help you cross that item off your to-do list sooner rather than later. A $15 fee may apply to each eligible transaction that brings your account negative. Additional customer verification may be required. $3 for out-of-network withdrawals and $.50 for balance inquiries, plus any fee the ATM owner may charge. The average national savings account interest rate of 0.21% isdetermined by the FDIC as of 10/17/22. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Online access and identity verication (including SSN) is required to open an account. Past performance is not indicative of future results. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions, and Privacy Policy. Use Your Card SeeAccount Agreementfor details. No monthly fees* Free ATM Network* Get your pay up to 2 days early* Overdraft protection up to $200 with opt-in and eligible direct deposits* Welcome! We're Glad You're Here. Check the data at the top of this page and the bank's website for the most current information. As such, early direct deposit availability may vary from pay period to pay period. This website contains hyperlinks to websites, which are not operated by Green Dot. $3.00. When she's not writing about personal finance and credit cards, she's immersing herself in the world of travel hacking. Ingo Money is a service provided by First Century Bank, N.A. Mobile check deposit: Active personalized card, limits and other requirements apply. Visa : Gift Cards The Netspend Prepaid Mastercard may be used everywhere Debit Mastercard is accepted. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. and in store. Florida, Illinois, Minnesota, New Jersey, and West Virginia are excluded from Credit Card Bill Pay transactions. Then, look into the benefits each card offers. Once its registered, your Green Dot card includes federal deposit insurance through the issuing bank (in this case, Green Dot Bank), plus protection against loss, theft and fraud, thanks to a Consumer Financial Protection Bureau rule enacted in April 2019. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Account must be in good standing and chip-enabled debit card activated to opt in. To choose which Green Dot debit card is right for you, compare the features and fees of each card before making your selection. But if youve had difficulty accessing affordable financial services, have concerns about your privacy or the security of traditional debit cards, or you worry the temptation of a credit card could be too hard to resist, a prepaid debit card could be exactly what you need. See, Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Additional customer verification may be required. Green Dot cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Initial and ongoing eligible direct deposits are required for overdraft coverage. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid the fee. 2.00%Annual Percentage Yield (APY) is accurate as of October 2022. Limits apply. 3 Green Dot Cash Back Visa Debit Card 4 Ultimate Mobile Banking No monthly fees 4, overdraft protection5 and free ATM network 6. The exact transfer process may vary depending on the card issuer, so be sure to check with them before initiating the transfer. 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. As noted above, Green Dot cards function similarly to debit cards without requiring an existing bank account. Your wireless carrier may charge a fee for data usage. These cards are accepted almost everywhere, and they let you avoid overdrafts and the hassle of carrying cash. Commissions do not affect our editors' opinions or evaluations. We'd love to hear from you, please enter your comments. Fees on your primary deposit account may reduce earnings on your savings account. Excludes GO2bank & Green Dot Unlimited Cash Back Bank accounts opened online. 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. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. See, Interest is paid annually on the average daily balance of savings of the prior 365 days, up to a maximum average daily balance of $10,000 and if the account is in good standing. 2.00% Annual Percentage Yield (APY) is accurate as of March 2023. Then you can text the following commands to 43411: To get your balance, text "BAL Last4 to 43411 (where Last4 is the last 4 digits of your card number).