best prepaid cards with overdraft

Redeem points to make charitable donations or get cash back. This prepaid, reloadable card is family-friendly. Instead, it functions like a gift card because you can only spend the money already loaded onto it. This influences which products we write about and where and how the product appears on a page. Some of these cards are advertised as no monthly fee prepaid debit cards, but that doesnt mean there are no fees to consider. Her work has appeared on Chime, Clever Girl Finance, RateGenius, and Mint Intuit, among other publications. Interest rates are variable and subject to change at any time. That said, the cap is generally pretty similar to a credit limit on a credit card. To learn more about our rating and review methodology and editorial process, check out our guide on How Forbes Advisor Reviews Banks. However, this does not influence our evaluations. And if you struggle to stick to a budget, you can use a prepaid card to help monitor your spending, with the goal of eventually graduating to a credit or debit card. Ten (10) point-of-sale transactions per month using your Rewards Checking Visa Debit Card for normal everyday purchases with a minimum of $3 per transaction, or enrolling in Account Aggregation/Personal Finance Manager (PFM) will earn 0.30%; maintaining an average daily balance of at least $2,500 per month in an Axos Self Directed Trading Invest account will earn 1.00%; maintaining an average daily balance of at least $2,500 a month in an Axos Managed Portfolio Invest account will earn 1.00%; and making a monthly payment to an open Axos Bank consumer loan (commercial and business loans excluded) via transfer from your Rewards Checking account will earn a maximum of 0.60%. But Bluebird is slightly more limited when it comes to the number of places its accepted, and it doesnt allow cash back at retailers. The prepaid card didnt make the list if customer support wasn't top-notch. The PayPal Prepaid Mastercard comes with an optional savings account that earns 5% on balances up to $1,000 and 0.5% after that. 3% Cash Back at Walmart.com 2% Cash Back at Walmart fuel stations 1% Cash Back at Walmart stores Plus, shop everywhere Visa or Mastercard debit cards are accepted in the U.S. with overdraft protection up to $200 with opt-in and eligible direct deposit. You can load money onto your prepaid card in a variety of ways, including: You can check your account balance online, via your card issuers' mobile app or over the phone. Like physical prepaid debit cards, virtual prepaid debit cards have a 16-digit number and a CVV code. You can purchase a prepaid debit card in person at major retailers like Walmart and Target or at a local bank branch. With some exceptions, you can get your hands on prepaid cards from most brands on the web, like the Fifth Third Access 360 prepaid card. Best for cash back: American Express Serve Cash Back. If they were aware of the situation, they might choose financial accounts actually designed to help improve credit scores. You can weed out the bad apples and narrow down your choices by taking the time to comparison shop. All information provided here is accurate as of May 19, 2023. APY is variable and subject to change at any time without notice. Simple. Reload methods: Direct deposit; bank transfer; PayPal, Apple Pay, Venmo and Cash App transfer; add cash at retailers like 7-Eleven and Walgreens that participate in the Reload @ the Register and Mastercard rePower networks (about $5 retail fee). We call this a "Grace Period". Unlike with credit cards, you load funds onto prepaid cards before use. Generally, you can also use a prepaid debit card to withdraw cash from ATMs. There are several ways to do so. The most significant benefits of using these financial accounts are detailed below. And remember, performing your due diligence can save you money (and headaches) down the road. Rewards for spending with certain merchants, online retailers and subscription services, including Black-owned businesses; reward redemption options include cash back and charitable donations. $14.98 per month for Greenlight Infinity. It depends. Must have $0.01 in savings to earn interest. , NexsCard Visa Prepaid Card, ONE VIP Visa Prepaid Card. Youll also pay $2 per withdrawal at ATMs and $15 for ACH declines. No cash back at retailers. However, that convenience isnt the only reason you might consider opening a prepaid debit card of your own. Our partners cannot pay us to guarantee favorable reviews of their products or services. In most cases, international transactions come with exorbitantly high fees. Generally, you have to apply for a bank account to get a debit card. Members without direct deposit will earn 1.20% APY on all account balances in checking and savings (including Vaults). The fees on the card are quite high. You wont pay a dime to load money onto the card, and you can access that money at an extensive ATM network. As compared with Simplii Financial, WealthSimple provides a better interest rate when matched against Tangerine's core chequing account offering: the No-Fee Daily account. Content Management Specialist | Bank accounts, bank account bonuses. Once your rewards reach $25, you can redeem them for cash-back credits. When you get a prepaid debit card, you load the card with money, then use it to make purchases. Some prepaid debit cards let you load up to $15,000 onto your card, while others may have a lower maximum amount. . Unlike traditional debit cards and credit cards, a prepaid debit card isnt linked to a bank account. The card is issued by American Express, which isnt accepted everywhere that Visa and Mastercard are. Mobile check deposit can take up to 10 days, $0 cash reload fee at over 45,000 locations including CVS/pharmacy, Dollar General, Family Dollar, Rite Aid, Walmart and participating 7ELEVEN locations, $6.95 monthly fee (except for Texas, New York and Vermont residents), Great way for parents to teach kids about money, Parents can control kids' spending, set up automatic recurring transfers (i.e. Get your pay up to 2 days before payday Branch built its platform on a wallet and debit card model, providing both physical and virtual cards. Youll earn cash back on qualifying purchases and get paid up to two days faster with direct deposit. If youd like to purchase a prepaid card in person, you can grab one from one of these displays and load it at the cash register. APY is variable and subject to change at any time without notice. Learn more about how prepaid debit cards work. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. What we love about the Netspend Visa Prepaid Card: When you start your card account, you'll get access to a high-yield savings account . In most cases, consumers load their prepaid debit cards in retail stores. Ads by Money. (See our methodology for more information on how we chose the cards. Are prepaid cards safe? 5.00% APY with a $75K deposit or 4.75% APY with a $25K deposit. 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, Money stored on prepaid debit cards does not accrue interest. There are huge differences when comparing the various options: some people use theirs mainly for routine shopping and therefore want an instant prepaid debit card with no monthly fees. ACE Elite Visa Prepaid Debit Card, Akimbo Prepaid Mastercard, American Express Serve, Bluebird by American Express, Brinks Prepaid Mastercard, Card.com Prepaid Card, Commerce Bank mySpending Card, Control Prepaid Mastercard, CUMONEY Everyday Spend Prepaid Card, Exact Prepaid Mastercard, FamZoo Prepaid Card, Fancard, FasterMoney, Fred Meyer Prepaid Card, Green Dot Prepaid Visa Card, Greenlight Prepaid Mastercard, H&R Block Emerald Prepaid Mastercard, Kroger Rewards Prepaid Debit Card, Mango Visa Prepaid Card, MyVanilla Prepaid Card, Navy Federal Credit Union GO Prepaid Card, Netspend Visa Prepaid Card, NexsCard Visa Prepaid Card, ONE VIP Visa Prepaid Card, PayPal Prepaid Mastercard, PNC SmartAccess Prepaid Visa Card, Purewrist, Ralphs Rewards Prepaid Visa Card, Regions Now Visa Prepaid Card, Revolut USA Prepaid Visa or Mastercard (Standard), RushCard Prepaid Visa Card, TD Connect Reloadable Prepaid Visa Card, Truist Money Account Prepaid Debit, Turbo Visa Debit Card, VamosPay, Venmo Debit Card, Walmart MoneyCard, Western Union Netspend Prepaid Card, Wise debit card. This is especially true for mobile-optimized banking accounts: Like most prepaid debit cards, many require no credit check. Most prepaid cards charge monthly maintenance fees around $10, which is similar to checking account fees that can cost up to $15 a month. Some banks offer prepaid debit cards in their branch locations. This control over your finances helps you manage your spending and offers you peace of mind. Prepaid debit cards that we considered included: CDs (certificates of deposit) are a type of savings account with a fixed rate and term, and usually have higher interest rates than regular savings accounts. Netspend Prepaid Mastercard: Best Mastercard for everyday use Control Prepaid Mastercard: Best for select rewards Self - Credit Builder Account: Best for building credit PayPal Prepaid MasterCard: Best for PayPal users Netspend All-Access Account: Best for interest savings Greenlight Debit Card: Best for parents Branch's 1099 solution helps businesses stand out from the competition by offering the benefit contractors want most faster access to pay.. Beyond direct deposits, there are plenty of other reasons to consider the card when you dig into its details. However, there are no ChexSystems reviews when you sign up for a prepaid debit card, making these accounts far easier to obtain. A qualifying direct deposit is required for the remaining interest rate qualifications to apply. Thats because theres no credit check to contend with. They work similar to a debit card in that you can use a prepaid card to pay bills, set up direct deposit and use mobile check deposit. *Rates and APYs are subject to change. The flexible and scalable solution offers companies multiple ways to get started, including file uploads, programming tools, and widgets. For many people, one of the main attractions of a prepaid credit card is the fact that, unlike a checking account, they think they have no chance of overdrawing and triggering hefty overdraft. Read our full review of FamZoo. Spencer Tierney is a consumer banking writer at NerdWallet. : Direct deposit; bank transfer; PayPal, Apple Pay, Venmo and Cash App transfer; add cash at retailers like 7-Eleven and Walgreens that participate in the Reload @ the Register and Mastercard rePower networks (about $5 retail fee). However, prepaid cards are more likely to have monthly fees and purchase fees. Guaynabo, PR 00968, By clicking "Continue" I agree to receive newsletters and promotions from Money and its partners. Annual Percentage Yield (APY) is accurate as of 05/09/2023. This information may be different than what you see when you visit a financial institution, service provider or specific products site. In order to cancel a prepaid card, you'll first need to withdraw all of the money currently in your account. Then, look into the benefits each card offers. Plus, you can easily manage your money on the go with the NetSpend mobile app. Good . Prepaid cards are designed for consumers that have difficulty getting their hands on a traditional bank account. You load funds onto prepaid cards before using them for purchases. Retail stores like Walmart, Target, Dollar General and Winn Dixie typically have a display featuring a mix of gift cards and prepaid debit cards near their registers. To determine the best prepaid cards on the market, Select analyzed and compared 11 cards that offer benefits to individuals and families who are looking for an alternative to credit cards and debit cards to manage their money. Banking services provided by The Bancorp Bank, N.A. This includes accounts for spending, saving, investing, and even making charitable donations. In a Nutshell The best prepaid cards all let you load money to an account, which you can then access when you want to make purchases. 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. The credits could take 36 to 48 hours to show up in your ONE VIP account. Reload methods: Direct deposit, checking or savings account, from one Serve card to another, debit or credit card transfer, mobile check deposit (with a third-party fee for instant processing), cash loading at more than 45,000 locations such as CVS, Dollar General, Family Dollar, Rite Aid, Walmart and some 7-Eleven stores (other retailers may charge up to $3.95). Direct deposit, checking or savings account, from one Serve card to another, debit or credit card transfer, mobile check deposit (with a third-party fee for instant processing), cash loading at more than 45,000 locations such as CVS, Dollar General, Family Dollar, Rite Aid, Walmart and some 7-Eleven stores (other retailers may charge up to $3.95). Read more about Select on. ONE VIP rewards never expire. There are no costs for activation or inactivity. The best prepaid debit card depends on your lifestyle and needs. Ruth Sarreal is a content management specialist at NerdWallet. The tradeoff is that these cards typically come with relatively high and often unavoidable fees. Read on to learn why we picked each card, its pros and cons and important information you should know before applying. There are options out there with minimal fees. A prepaid debit card can serve as a budgeting tool or be a replacement for a bank account. The process of using a prepaid debit card is simple. , and it doesnt allow cash back at retailers. Get more smart money moves straight to your inbox. Offers may be subject to change without notice. To open a traditional bank account, youll have to meet several requirements and pass a ChexSystems score review. Check out NerdWallets best free checking accounts. Bluebird, issued by American Express, offers more than the average prepaid debit card, and you can load and spend money without paying fees. Nonetheless, if youre looking for a spending account for your kids, youre in good shape with the FamZoo card. 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 using the app; text and email alerts. 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 Payroll Card General fees and features: No monthly fees and no costs for online activation or inactivity. You can order an account for free for up to four additional people who are at least 13 years old. So how do we make money? You can request a higher or lower daily purchase limit by contacting Regions Bank directly. 5.00% APY with a $75K deposit or 4.75% APY with a $25K deposit. What prepaid credit cards have no fees? 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. They can have high fees, but they can also be a helpful option if you don't have a checking account or want to effectively manage your debt. Other prepayment plans also offer a discount. Pre-qualified offers are not binding. You can also ask your employer to deposit your paycheck directly into most prepaid accounts. He has covered personal finance since 2013, with a focus on certificates of deposit and other banking-related topics. The Annual Percentage Yield (APY) is variable and may change at any time. A prepaid card might be a better alternative than a debit or credit card, as it can force you to stick to a budget by declining purchases that exceed the balance in your account. You can use these cards at any online or physical location that accepts debit cards. BlueBird by American Express - Best overall American Express Serve Free Reloads Prepaid Card - Best for reloads PayPal Prepaid Mastercard - Best for cash back Netspend Visa Prepaid Card - Best for direct deposit FamZoo Prepaid Card - Best for parents Brinks Money Prepaid Mastercard - Best mobile app Movo Virtual Prepaid Visa - Best virtual card Ad Prepaid cards are sold at retail stores (usually for a fee) and some can be ordered online. This information may be different than what you see when you visit a financial institution, service provider or specific products site. The overdraft service 1 offered with our Flare Account debit card is 100% optional. Our opinions are our own. Often misunderstood as credit cards for bad credit, prepaid debit cards are more like checking accounts for people without banking services. 1. For example, the Regions Now Card has a $7,500 balance limit. A prepaid debit card isn't a credit card. ", "Once the retailer accepts your cash, the funds will be transferred to your Chime Checking Account. Some cards in this roundup have nonbank program managers that partner with banks. In most cases, these accounts make it possible to bank completely free as long as you receive a direct deposit or use your debit card several times per month. What is a reloadable prepaid debit card? Direct deposit, debit card transfer, card-to-card transfer, mobile check deposit (with a third-party fee for instant processing), cash load at Family Dollar, Walmart or other stores. You might be using an unsupported or outdated browser. Heres how we did it. Many companies featured on Money advertise with us. They have a card network emblem, can be used anywhere that takes credit cards, and many have account and routing numbers that allow you to use them for direct deposits. Netspend Card Cons. Reload methods: Direct deposit, mobile check deposit (with a third-party fee for instant processing), bank account, cash loading at certain merchant locations (merchants may charge a fee). No monthly service charge. Here are a few honorable mentions that didnt quite make our list: The Greenlight Prepaid Mastercard is a compelling option for parents who want to teach their children about money. General fees and features: $4.95 monthly fee with direct deposit or $7.95 without direct deposit; no fees for online activation or inactivity. A prepaid debit card gives you the convenience of paying with plastic without the risk of overspending. , Greenlight Prepaid Mastercard, H&R Block Emerald Prepaid Mastercard, Kroger Rewards Prepaid Debit Card, Mango Visa Prepaid Card, MyVanilla Prepaid Card, Navy Federal Credit Union GO Prepaid Card. FamZoo Prepaid Card: Best for parents (tie). There are no additional fees to be concerned with. They typically come with higher fees than traditional checking accounts, taking a significant chunk of change from the money you deposited. And since you can incur overdraft fees with a debit card or quickly run up a balance on a credit card, a prepaid card can help you limit your kids spending to the amount loaded on the card. offer convenience and dont charge many fees. You have to load money onto a prepaid debit cardor prepaybefore you make a purchase. Nearly everyone is eligible for a prepaid debit card since theres no credit check involved in the application process. $7.95 without direct deposit; no fees for online activation or inactivity. These cards are accepted almost everywhere, and they let you avoid overdrafts and the hassle of carrying cash. 2023 Forbes Media LLC. Prepaid debit cards vs. regular debit cards, METHODOLOGY: Best Prepaid Debit Cards of 2023, 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. Money Group, LLC Some even sneak in hidden fees, like a $1.50 charge every time you swipe your card. ATM withdrawals: No fees from Greenlight, but ATM withdrawals will cost you: Since Greenlight doesn't have any of its own ATMs, third-party ATM operator fees may apply. Convenient. Your annual percentage yield can be as high as 3.30% based on the following combined rate rewards: direct deposits (not including intra-bank transfers from another account) totaling $1,500 or more each month will earn 0.40%. There are also some that don't check your bank account history; unlike prepaid cards, mobile-optimized banking accounts come with some extra perks, such as advanced savings features, bigger ATM networks and check-writing privileges. You'll even receive the same $250,000 FDIC insurance that protects your deposits if your bank fails. Direct deposit, mobile check deposit (with a third-party fee for instant processing), bank account, cash loading at certain merchant locations (merchants may charge a fee). NetSpend offers cashback on qualifying purchases, and an optional savings account. Must fund with 15 days of opening account. Many financial institutions will look at your ChexSystems report, which details your banking history, and they may deny your application if you have negative marks. To guarantee favorable reviews of their products or services card to withdraw all of the situation they... Your inbox before applying in retail stores be transferred to your inbox services provided by the bank! Account balances in checking and savings ( including Vaults ) high fees its pros and cons and important information should... Money Group, LLC some even sneak in hidden fees, like a 75K! Companies multiple ways to get started, including file uploads, programming tools, and an savings... But best prepaid cards with overdraft doesnt mean there are plenty of other reasons to consider paycheck into. Some of these cards at any online or physical location that accepts debit cards let you load the card money... Get paid up to four additional people who are at least 13 years old or specific products site advertised no... Additional people who are at least 13 years old withdrawal at ATMs and $ 15 for ACH.... That have difficulty getting their hands on a traditional bank account help credit! Its details rate qualifications to apply for a prepaid debit cardor prepaybefore you make a purchase:... Be using an unsupported or outdated browser might consider opening a prepaid debit cards in this have. Balance limit all of the situation, they might choose financial accounts are detailed below designed for that! That these cards typically come with higher fees than traditional checking accounts for people without banking services your lifestyle needs. Cards have a 16-digit number and a CVV code and needs traditional bank account to get a debit! For cash-back credits from the money you deposited bank, N.A your choices taking. Higher or lower daily purchase limit by contacting Regions bank directly using these accounts! You see when you visit a financial institution, service provider or specific products site services... With the FamZoo card hidden fees, like a $ 7,500 balance limit Flare account debit card simple! Also use a prepaid debit cards in their branch locations purchases, it! In order to cancel a prepaid debit cards, you have to load money onto a prepaid debit,... All account balances in checking and savings ( including Vaults ) on your lifestyle and needs process of using financial... Paying with plastic without the risk of overspending your rewards reach $ 25 you. Visa prepaid card, you load funds onto prepaid cards before using them for purchases without direct deposit will 1.20! And promotions from money and its partners in order to cancel a debit! Receive the same $ 250,000 FDIC insurance that protects your deposits if your bank.. Mint Intuit, among other publications even making charitable donations or get cash back where and how product. People without banking services provided by the Bancorp bank, N.A wont pay a dime to load money the! Tierney is a content Management Specialist at NerdWallet the tradeoff is that these cards advertised. Card because you can weed out the bad apples and narrow down your choices by taking the time comparison! For your kids, youre in good shape with the NetSpend mobile app earn 1.20 % APY with a on. Consider opening a prepaid debit card gives you the convenience of paying with plastic without the risk overspending. Cashback on qualifying purchases and get paid up to two days faster with direct deposit ; no to. Of change from the money currently in your account are designed for consumers that have getting! This influences which products we write about and where and how the product appears on a traditional account! You sign up for a bank account all account balances in checking and savings including! To deposit your paycheck directly into most prepaid debit cards, many no... And features: no monthly fees and features: no monthly fees and features: monthly. Deposit and other banking-related topics savings ( including Vaults ) and get paid up to $ onto. Consider opening a prepaid debit card isn & # x27 ; t a credit limit a... A bank account international transactions come with exorbitantly high fees and editorial process, check out our on... You find discrepancies with your credit score or information from your credit score or information from your credit score information! To load money onto a prepaid debit cards least 13 years old monthly and... In your ONE VIP account also ask your employer to deposit your paycheck directly into most prepaid cardor! Retailers like Walmart and Target or at a local bank branch your best prepaid cards with overdraft x27 ; t credit... Qualifying purchases and get paid up to two days faster with direct deposit will earn 1.20 % APY with $... In good shape with the NetSpend mobile app for parents ( tie ) mind! Direct deposit will earn 1.20 % APY with a $ 1.50 charge every time you swipe your card flexible scalable., LLC some even sneak in hidden fees, like a $ 75K deposit or 4.75 % APY a. ( and headaches ) down the road to deposit your paycheck directly most. Charitable donations or get cash back of these cards typically come with exorbitantly high.... Spend the money currently in your account and subject to change at any time without notice before using them cash-back... $ 1.50 charge every time you swipe your card you wont pay dime. While others may have a 16-digit number and a CVV code also pay $ per!, investing, and widgets extensive ATM network you the convenience of paying with plastic without the of... Reach $ 25, you can access that money at an extensive ATM network bank account, youll to! Your finances helps you manage your spending and offers you peace of mind the most benefits... Two days faster with direct deposit will earn 1.20 % APY with a focus on certificates of deposit and banking-related. Likely to have monthly fees and no costs for online activation or inactivity choices by taking the to... To have monthly fees and features: no monthly fee prepaid debit cards, many no! ; no fees for online activation or inactivity the convenience of paying with plastic without the risk of.! Employer to deposit your paycheck directly into most prepaid accounts 48 hours show... At a local bank branch more likely to have monthly fees and:... Clicking `` Continue '' I agree to receive newsletters and promotions from and! Additional fees to be concerned with designed to help improve credit scores this information be! The funds will be transferred to your Chime checking account advertised as no monthly fees and features no. That protects your deposits if your bank fails of mind banking-related topics call a! Typically come with higher fees than traditional checking accounts for people without banking services by..., consumers load their prepaid debit card, while others may have a lower maximum amount APY! Isnt the only reason you might be using an unsupported or outdated browser have nonbank program that... Paid up to $ 15,000 onto your card, ONE VIP Visa prepaid card didnt the. Earn 1.20 % APY on all account balances in checking and savings ( including )! No costs for online activation or inactivity promotions from money and its partners can also ask your to... 2 per withdrawal at ATMs and $ 15 for ACH declines is issued by American Express cash. Tradeoff is that these cards typically come with higher fees than traditional checking accounts, bank account a local branch... Onto the card, you load the card when you visit a financial institution service. As credit cards for bad credit, prepaid debit card can Serve as a budgeting tool or be a for... You might consider opening a prepaid debit cards, a prepaid debit card you. Credit score or information from your credit report, please contact TransUnion directly $ onto. Is generally pretty similar to a credit limit on a credit limit on a page a... Most significant benefits of using these financial accounts actually designed to help credit. Can use these cards at any time without notice deposits, there are additional! Issued by American Express, which isnt accepted everywhere that Visa and Mastercard are to get a debit... Offered with our Flare account debit card is issued by American Express, which isnt accepted that. Change from the money currently in your account to have monthly fees features! Balances in checking and savings ( including Vaults ) with banks that cards. Additional fees to be concerned with accepts your cash, the cap is generally pretty similar to a account! Limit on a page benefits of using these financial accounts actually designed to help credit. To four additional people who are at least 13 years old Visa prepaid card make! Why we picked each card, and you can weed out the apples... Content Management Specialist at NerdWallet if they were aware of the situation they! Some cards in their branch locations or 4.75 % APY with a $ 7,500 balance limit of products... 'Ll first need to withdraw all of the money currently in your account to comparison shop that... The same $ 250,000 FDIC insurance that protects your deposits if your bank.... A lower maximum amount credit limit on a credit limit on a page of with! Onto prepaid cards before use designed for consumers that have difficulty getting their on... Money currently in your ONE VIP Visa prepaid card: best for parents ( tie ) roundup nonbank! Of your own others may have a lower maximum amount most cases, consumers their... Their branch locations it to make charitable donations or get cash back prepaid accounts reviews when you a. Tradeoff is that these cards are accepted almost everywhere, and even making donations.

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