DoughRoller receives compensation from some companies issuing financial products, like credit cards and bank accounts, that appear on this site. Unless a post is clearly marked "Sponsored", however, products mentioned in editorial articles and reviews are based on the author's subjective assessment of their value to readers, not compensation. Compensation may impact how and where products appear on non-editorial pages e. That said, our standard is that we will never accept advertising from a product which we wouldn't use ourselves. I t is estimated that about 40 million Americans do not have a bank account. The reasons for this vary. For many, they are unable to qualify for a bank account because of past bounced checks. Whatever the reason, the unbanked often turned to expensive check cashing stores to cash their weekly paychecks. In addition to high cost, check cashing stores present several other problems to consumers. First, there is the question of security. Taking your paycheck to a check cashing store and walking out with hundreds of dollars in cash is like wearing a bulls eye on your back. Second, there is simply the question of inconvenience. The weekly trip to a check cashing store takes time and gas. The key to finding the right prepaid credit card is to find one that charges no fees or very small fees. All prepaid cards charge various fees, but some of them waive some or all of the fees if you sign up for direct deposit. So here are the top free prepaid cards and low fee prepaid cards to consider. A prepaid credit card works very similar to a bank debit or ATM card. You can add money to the prepaid card and use it anywhere Visa or MasterCard debit cards are accepted. Money can be added to most prepaid cards in one of several ways:. Prepaid cards are part of either the Visa or MasterCard debit card network. As a result, prepaid cards can be used anywhere that Visa debit or MasterCard debit cards are accepted which is just about everywhere. You can also use prepaid cards at ATM machines to withdraw cash. Prepaid credit cards offer several benefits beyond a simple ATM card. Perhaps the key benefit is direct deposit of paychecks, government checks, and benefit checks. There are several prepaid cards that will waive all fees if you have your paycheck direct deposited to the card. With direct deposit, prepaid paycheck will be added to your card on payday. And the money is available immediately. If you receive a government or benefits check, you can also have it deposited directly onto prepaid cards for no fee. There is one other important benefit to these cards—online bill pay. The top prepaid cards can be used to pay bills online. Just like a bank account, you can have funds transferred from a prepaid credit card to pay car loans, the mortgage, utilities, or just about any other monthly expense. Because of this, a no fee prepaid credit card is about as close to a bank account as you can get, without getting a bank account. We will add additional free and low cost prepaid cards as they become available. And if you know of other prepaid card offers that you think should be added to the list, please leave a comment. This content is not provided by American Express. Our Day Money Challenge will help you get out of debt, save more, and take back control of your life. You'll also get instant access to my interview of a husband and father who retired at the ripe old age of. What others are saying: I'm at Day 26 in your 31 day money challenge podcast. Thank you, thank you, thank you! I've been looking for a comprehensive guide to all-things-money and this has been so informative. Although the card is a prepay, the account still shows up in the credit breaurs as a credit card they do not differ. I have a bank account but had bad credit so i hire a lawyer to help and thats the addvice he gave me. That was that, nothing I can do about it, I get to sit and wonder what shoe will drop next…. Maybe with some prepaid cards they do ,but check first. You do not build credit with MANGO prepaid card! They did say they were working on that. So check back,but as of Jan. Hope this helps someone. For some reason the link I put in the Blue box takes you to mangos main page. Click on help at the top of the page then go down to 15 Will the Mango Card build my credit? Again I hope this info helps some one before they sign up thinking this will build credit. Some cards do, Some cards don,t! Answer to your question is no, prepaid cards do not help you build your credit. And they do not report to the credit Bureaus. If you are looking to rebuild your credit the best solution for you is a secured card. With a secured card you put down a deposit of how much you would like to have for a credit limit and you pay on it every month. As you pay your bill each month the bank will report your payments to the bureaus and it will start helping you rebuild your credit limit. This is the way I am currently going. I received my secured card through Wells Fargo Bank. And the good thing is after a certain amount of time 6 months- 1 year as you pay your account on time each month the bank could consider you for a higher card amount and give you a normal credit card rather keep you on a secured card but I do know that is your choice as well. I hope that this helps. Julie, prepaid debit cards do NOT help you build credit. If you want a card to help build credit, consider a secured credit card. Val, thanks for the comments and tips! The Current Card was a prepaid teen debit card issued by Discover Bank. In many ways, it was a leader in the teen prepaid card space with excellent parental controls and features. Unfortunately, the Current Card from Discover is no longer available for new account holders although existing accounts, apparently, remain in service. I have a Rushcard and it is a very easy and cost efficient card…There is a one time You can mastercard money off your card from the ATM and deposit checks. For more information go to http: THANKS and have a BLESSED DAY! Rush charges a dollar for every purchase or 10 dollars a month. PUT THE WORD OUT AND WATCH YOUR ACCOUNT. Narayan, I believe you can depending on the card. Keep in mind that just like credit cards, there is an extra fee when making purchases in foreign currency. AccountNowfor example, changes a 2. All prepaid credit cards have fees of some kind. If you are looking for prepaid credit cards with no fees, the best options are those cards that have fees you can avoid. For example, many cards like those listed here waive activation fees if you use direct deposit. For signature transactions as compared to PIN transactionsyou can often avoid fees, too. ATM usage almost always entails fees, at least after the first couple each month. Can the prepaid credit cards offered by you be used for purchasing online globally?! I am an Indian citizen and reside here in India, so is your prepaid credit cards offer applicable for me or not?! When I am clicking the apply option, the web page is not opening. How can I deposit money into my prepaid credit card and what are the methods of deposit?! First, these cards are not offered by the Dough Roller. The links will take you to the official sites of each of these prepaid cards. That said, prepaid cards generally can be used internationally, although they charge a foreign currency fee much like credit cards. For example, the AccountNow Prepaid Visa can be used intentionally, but it charges a 2. To get a U. There are several ways to load fees onto a prepaid card. The most convenient and cost effective is direct deposit of a paycheck or government benefits check. You can also send a check to the prepaid card, use a bank transfer, transfer money via a credit card and so one. The thing to watch for are fees. Some of these methods gift free, others will cost you a small fee. By your answers I have understood nobody needs a US Social Security or any Identification number from US or from others countries to get a prepaid card in US and these prepaid cards can also be bought by Internet. Jamil, you will need a social security number and be able to prove your identification. This is required as a result of anti-terrorism legislation in the U. The response you got was inaccurate: They can only be issued in the US and sometimes Canada. You need to look for cards issued by banks with a Visa or MasterCard license in India. I used to work at a large national restaurant chain and our card was pretty bad. But, from what I hear, it fees typical because most cards either have a monthly fee or pretty limited as to the free items. I have worked at Starbucks for about 7 months now and they allow us to have a card called the Money Manager Card. The choice was pretty simple because there are no monthly fees, I can use it on their network allpoint atms free at all times, never any fees to buy things signing or using my PIN and getting cash back if I want…all without a fee or surchargeno overdraft. My new card give free replacements when delivered by the post office all of the time. I should state that Walmart has something that is similar sounding to Money Manager Card. I think it is the Money Card or something like that. That card is definitely not the same. Friends, let me tell you, if you get the consumer side of the MoneyCard from Wal-Mart, be prepared for rude customer service associates. They looked into it and decided to change vendors after numerous other complaints. I tried TODAY to get a card so I could have my Stipend for college direct deposited, and got worse treatment than I ever had before with them. If an illegal purchase is made on the pre paid card that is connected to a personal bank account for sending funds does a the bank account suffer as well? As to your second question, I think I need more info. I signed up for a prepaid credit card because i needed to take a business trip to Russia. I have heard so many horror stories of people becoming victims of identity theft after using a credit card in a foreign country. In the end i went with the rushcard. They were the cheapest. Vidal, the limit varies from card to card. Does anyone know if the Mango card or any other prepaid card has these three digit numbers on the back? Yes the Mango card does. I think we should all use a prepaid debit card and deal these banks a blow by not allowing them to charge us these enormous fees when you make an error not matter how long you have banked with them without errors. Yes I know I should keep good records. I got an alert the next day telling me my balance was low and in danger of incurring fees. I ran to the bank and deposited money. I am sick of banks. I use to be a bank manager in the days when banks cared and you could deal with them on a personal level. I have been doing some searching for a good prepaid card, so far I have checked with Walmart, Rush Card, NetSpend, account now and others so far I am not sure what one is the Best. To whom it may concern: I am interested in purchasing a pre-credit card to pay monthly dues at 24hourfitness. Is this a good option? This is pretty much the only transaction I will be using the card for. What about the UPSide Debit card? It is cheaper than the Mango Money card. I am unsure which one is better according to other fees they may have. And how they treat their customers. Nichelle, the UPSide debit card is a good choice as well. The Social Security Administration offers a card for benefits with no fees. It is called the Direct Visa. Call your local SSA office or and ask for it. I am sure the agents would be happy to help you with enrolling into this card program. It works just like any other Visa prepaid card and is covered. Thank u very much this is just what i was looking 4 i have been looking 4 a card fo me an my wife an this is perfict. I talked to the Social Security office today and they told me that the only thing that i could do is to use it as an ATM ONLY!!!!! The info you received from social security was incorrect. Can use it at Atm, grocery store, and eateries. The draw back on that card Direct Express Card you can not load money on it. Only the direct deposit can be put on it. And while I have never came across anyone who did not except a visa or master card pre paid card, I have come across several companies that do not except the American express cards such as blue bird. Just to let everyone know that Green Dot now charger when you go to a ATM 2. Also if you bank charges 2. Im curious… I am retired, and I already have direct deposit. Ive read and reread many articles pertaining to the PrePaid cards, yet, I havent read anything saying a retirement check can be directly deposited. Retired, if by retirement check you mean social security, yes they can be direct deposited to a prepaid card. And setting up the direct deposit works the same as it does for a bank. You need your account number and routing number, both of which your prepaid card issuer can give you. Note that your account number for direct deposit will not be the same number that appears on your prepaid card. You can get more information directly from the social security administration. Hi DR, Nice article and good to know that we have so many options available to come away from the stupid banks. I have a Q here. If we use a prepaid debit card will it affect my credit history in any way? One of the leading Car Rental companies will only rent cars with a valid Credit Card. I think ALL rental car companies allow a debit card for payment AFTER your use, i. We used them a few weeks ago and we have no credit cards. I want to make a few online purchases over the next several months in the 80 buc range at a time, if even that much, I had been hearing alot about visa, whats a good reloadable visa card? Bob, any of the cards listed on this page are good options. Could someone explain this to me? It is linked to the Mango card, so you can transfer money between the card and the savings account. To open a savings account, you do need to be set up for direct deposit. How do I know which ATMs accept the pre paid debit cards? Shar, most prepaid cards should be accepted at just about any ATM. Green Dot is on the Money Pass network. You can go to the website and get a balance there or sign up for a daily or weekly balance alert. I have the Mastercard and soon will be getting the Visa one for my rent and utilities. The good thing about Prepaid Card, be it Master or VISA, is that, you only spend what you have loaded, completely helping you to avoid those tempting debt related with Credit Card. Unfortunately, for people outside the US, the cards highlighted in the article can not be applied for. Alternatively, for international people, getting free credit card will warrant joining rograms that offer cards as reward or those that pay with VISA and Master Card. Bear in mind that these programs offer the cards for free. With out a doubt Mango card is hand down far to none the best pre-paid card out there. Most people load that much in two weeks. I had nexis for about 2 weeks and already am out 23 dollars of my own money. Definitely the worst i ever had. Did anyone ever hear of AOL. They were free for along time and then one day they turned on the 9. They will turn the fees on when they get to a certain point and then they will make millions by the time people can get their direct deposits moved somewhere else and the fees will be high. I even tried something called Smarty Pig. While cashing out, I got a notice that the debit card is NOT CURRENTLY AVAILABLE. I was so pissed. I researched and read all the fine print. They prepaid it MAY be available sometime in Nov umm this occurred in Nov… so…. I want a card I can buy here and send to him. Then bi-weekly I will deposit approx. Joy, my first suggestion would be the Upside Visa prepaid card. You can load the card from your bank account for free. There is no activation fee and no credit check to get the card. You should try obopay. When using a bank acct it will take days for money fees appear on his card. Paypal also offer the same thing, but you must apen a paypal acct and wait 2 month to get a debit card, obopay does not make you wait, but they do charge a 1 time fee of Is ther a limit as to how much you can load onto a prepaid visa card. Load limit varies on every card. Are there any cards i can use to activate my paypal and then just leave them sitting there without paying monthly fees. Keep in mind that depending on how you use the card, there could be fees. Got a question about the Mango debit card: I mean if I go into the Walmart and make a purchase with my prepaid debit Mango will I be charged a fee for usage? I know that with Account now, I would get charged a fee of 50 cents for each transaction in store and online. Actually, I was charged a fee of at least 50 cents each time I used the card no mater where I used it. Please someone, provide response as soon as possible. Babette, the Mango card does not have fees when you use it to shop, whether online or in the store. So my girlfriend and I had our tax return deposited on my bank freedom card. I tried to take all of our money off to get a car and my card was deactivated. When I called to find out what the problem was, I was told that my card was cancelled, because of too many transactions. Also… They told me because my card was canceled I lost all of my money and that they would not be mailing it out. If you are unable to access the funds through your Bank Freedom card, contact the IRS. Does anyone know if unemployment benefits for New York State can be directly deposited to a Mango card? If NY pays unemployment benefits via direct deposit, than you should be able to have the benefits deposited directly on a Mango card. When you get your card, it comes with specific instructions on how to set up direct deposit, including your unique account number and routing number. Joe you can add cash to any prepaid card, but not for free. Would a prepaid card like this be appropriate for drivers in a trucking business? This would allow them to purchase fuel, get cash advances for tolls, etc. There is a prepaid card that is excellent for businesses. There is no charge to deposit cash, use their ATMs, bill pay etc — the only thing missing is the possibility of overdraft. If you have direct deposit the MoneyManager card has a single fee 50 cents for bill pay to anyone so if you want them to send a check to someone its 50 cents. No charge for customer service, no monthly fees, no fees for transactions. And throughout my research so far i could not find one, that will allow me to put money on it with a foreign card. I have a SSNif that matters. Does anyone have the perkstreet account card? Im looking into getting one i was just wondering what you guys have to say about it before i get it. Angie, PerkStreet was an excellent debit card. Unfortunately, PerkStreet has shut down and is no longer available. I need something a little less exploitative then that if anyone has any suggestions please E-Mail them. Kenneth, all prepaid cards charge you to load cash. The best way to load a prepaid card is via direct deposit, which should be free. The end is near for these rip off cards as banks and credit unions enter the prepaid space. This list is not indicative of the better prepaid cards available. This list is basically advertising. Every one of them has fees so the title is deceptive. The key is to find cards that can be used in such a way as to avoid the fees. The Mango MasterCard is my top pick for that reason. You are correct that PerkStreet is not a prepaid card. DR, thanks for your input. DO NOT USE ANY METABANK ISSUED CARD. They do not tolerate payments from accounts that you do not own. Metabank is doing this to fight fraud, which their system has too much of. I had to get my friend to call them, and they grilled him with a lot of questions before releasing the money to me in the form of a check refund. Hi, I want to provide my own prepaid card to my webstore client, where should I go? Cannot these people understand English? Why do these people not comprehend english? The Amex debit card is free, meaning no annual fee, not monthly fee, no minimum amount per month, no fees means no fees. The only catch I see is that you need to reload the account from a checking account. If no fees means no fees, then the AMEX card is not without fees. You can only get money from an ATM once per calendar month. I agree with the use of ATM for withdrawals. Therefore, use once a month and stop. You can use other sources e. Downside is it does not have routing number to do payroll or government direct deposits. It is meant as a tool for spending safely from merchants, online or otherwise. American Express does have a routing number to do payroll…I just received my card…however, you have to go your account and the information is there routing, acct number etc …. AMEX Prepaid now offers Direct Deposit from payroll and Government Benefits. It is simply THE BEST! You can fund with a bank account linked to the card or prepaid can fund with cash at designated participating vendors. You can still buy a load pack to load money onto an Amex prepaid card. The AMEX gift is great but like some others are mentioning you can use it in a lot of places. Also serve does not allow cash back. Not true I have a skylight card and I pay nothing for it. No monthly fees, no transaction fees or anything. Best part I also have an online account so I can transfer money and view my statements. Read those fee charts carefully!!!!!! Amex seems to be the best deal on this site. I could NOT have said it better myself!! Someone as sharp as a bowling ball can see that THAT IS A DAMN FEE, regardless of the reason you give for it!!! Even a free checking account charges you if you bounce a check or use an ATM owned by another back. These prepaid cards, however, are free in the sense that you can load them and use them without paying any fees. Bank Freedom dotcom is better then all of the ones listed above. GreenDOT sucks big time. They card a lot of people money. And the Mango card offers a savings account that pays 5. Still, the Bank Freedom is a good choice. Thanks for the tip. Any company as big as Green Dot will have a lot of complaints. Even Bank Freedom has complaints filed against it with the BBB. A bank may provide the not free service on a checking account, which is different. Check cashers can be less expensive than the fees banks charge non-account holders. I would rather pay the small fee than go through the contempt and permanent collection of every number on my I. A company can provide a free non-Visa version as a payroll card. Actually a person could just use the employer provided payroll card if associated with MasterCard or Visa. However, the employer reserves the right to charge the account for overpayments or termination disputes. One is called Comdata. Many of these cards do not allow Government deposits, specifically tax returns. And some that do have very low limits and have online complaints that they have held several thousand dollars in tax returns from customers. I have the following cards with no fees: AMex prepaid, AMEX campus prepaid, Bluebird, Green Dot Visa. They are all fee-free or waive the monthly fee with a reasonable amount of use a certain deposit or number of purchases. Bluebird atm is free with any direct deposit within 30 days. AMEX each provide 1 free atm withdrawal per month- which is more than enough. I rarely have used atms in my life. I guess there are people who need daily cash for certain, um street vendors. That said none of these cards will accept a federal tax refund. Or if they do, they have complaints and very low limits. So I need a card that 1. Right now it seems my only option is to direct deposit my tax refund to my online savings account, which has no debit card attached, holds every deposit for 5 days, and takes 5 more days to transfer to another account. So it seems best case, I might have to wait 10 full business days after prepaid tax refund comes to load it onto my Bluebird, in the meantime using my savings account mastercard to pay a limited number of online bills that will accept it as a payment method. If the amount on hold is not all used for the duration of your stay, the remainder stays on hold for more than 7 days. They placed a hold on some money just like hotels do. But this was back in Maybe things have changed? Is there a prepaid card that is easy to reload via internet banking vs. Norm, just about very prepaid card can be reloaded via prepaid bank transfer. Lowest fee Western Union MoneyWise Prepaid MasterCard Fees 0. There are some drawbacks to the Western Union card. I have been denied some services on Amazon and when I called the number on the back of the card I kept getting disconnected. I also had an order cancelled by them for items that were back ordered. It also takes 2 weeks for direct deposits to come through on the first direct deposit, and 1 week for each one after that!!!!!!!!!!!!! PerkStreet is an absolute rip-off. They say that they do not do a credit check but this is the very reason they denied me. If I am sending prepaid money why is there a credit check anyway. So I sign up on Sunday and get an email on Tuesday that unfortunately they cannot give me a card. When I had checked my bank account there was a gift from this company. I called up and was like how can mastercard take my money without service. She said that it would take up to business days to get the money back. I was like it did not take business days to get the money. They might have debited on Monday but I did not check until Tuesday. I think this company is just trying to make money of me in the mean time. They messed with the wrong one. Tasha, not sure why PerkStreet took your money and then denied the card. For others reading this comment, keep in mind that PerkStreet is NOT a prepaid credit card. PerkStreet is a bank and the card they offer is a debit card. The prepaid cards listed on this page do not check credit. I received an approval e-mail from PerkStreet last week. They mentioned on the e-mail that in 3 to 5 business days, they will debit my bank account which they did on the third day. Your best bet is to notify the Better Business Bureau. They can help you get your money back. Plus, they can warn anyone else who plans on using this company in the future. Can I use a prepaid card as my paypal account to receive the payment on from a sale that I make to someone. If so how does that work? Can anyone help me, or offer another suggestion if I cannot do the above. Thanks for any help and advice you can give to me. Glad I ran into this website. You got the gold card which is a rip off. Eldridge, I am right there with you. I too use the AccountNow Gold Visa, it stinks! But their customer service sucks too. Hence the reason why I switched to the AMEX prepaid card. Yep sounds like the card for me! I have both the AMEX prepaid and Bank Freedom cards. The AMEX prepaid also insures purchases if they break or get stolen within the first 90 days. Kym, just about any reloadable prepaid card can accept bank transfers and direct deposit. You can can an account number and routing number from the prepaid card company once you have a card. These numbers would be required for any transfer. In terms of whether you can have a payday loan transferred to the card, that would depend on whether the payday loan company would transfer funds electronically. My new website will be up live beginning next month. I will need a prepaid card that I can direct my merchant account to deposit direct into the prepaid credit card from customers purchases from my site. I will then use the credit card to purchase the item from my wholesale company. Is there a limit to how much money goes into the card? What are the limitations if any for how much money can go into the card??? Thank you, Don Steffensen. Don, prepaid cards do have a limit, and probably would not be ideal for what yo describe. Clay — thanks for posting card link. Emily, the cost depends on how you use the card. If you think about free checking, even these accounts have fees for bounced checks, for example. The cards listed here either have extremely low fees or no fees at all depending on how you use the card i. So, I just need a visa card for a recurring internet purchase from overseas. I have very bad credit. Will one of these cards work? I looked at the Walmart card, but looked like it had monthly fees for deposit and for maintenance. I cant have a bank acoount cause my now divorsed wifes os alot of money so if i get a bank it will all be gone cause her debt so i need a card for me to use but with lowest cost to me an im still not sure i like what i see so far an it will take her along time to pay her debt. Lynn, you should be able to book a flight with a prepaid card. Booking a hotel room is a bit trickier. But reserving the room might be an issue. Each hotel chain is different, so you would need to confirm with the specific hotel you wanted to book. Elle, all prepaid cards are part of a debit network. Most are either debit MasterCard or debt Visa. I want to get a prepaid credit card to help raise my credit…what is the best one to get? I want a card that reports to all 3 creditors…and suggestions?? Krisit, prepaid cards do NOT help you build credit. At one time some of them did, although they never reported to the 3 main credit bureaus. The best option to build your credit is a secured credit credit card. They are designed for those with limited or no credit. Andrea, the UPside is a good option. My teenage daughter is going to Italy and Greece with her school this summer. It also comes with an optional linked savings account. But folks still use the terms prepaid credit card and prepaid debit card interchangeably. I have Netspend and Mastercard love it. They have low fees plus they give you a ten dollar cushion if you upgrade to Premier along with a savings account. Del, You are kidding, right? The atm charges are killing card, no thanks! Of all the prepaid debit cards Netspend is one of the worst. Want to add five bucks? But in the past year they have been racking up hundreds of complaints, probably thousands, all across the internet for pulling some really despicable account manipulations on people. They actually froze my account to where nothing could be done. Why did they do that? I am totally serious. I changed the address in my profile bcuz I moved…. They tell me I need to all customer service to straighten out a problem. An updated address is a problem?? But when you call customer service you only get an automated service that tells you they have to call you back in two to four hours!! There is no way to speak to an agent unless you sit there and wait for 2 to 4 hours for them to get around to calling you back. I waited for SIX hours and NOTHING. I have money coming back to my card for 2 online orders I cancelled. Fees send all the documents and ID verification they were asked only to be rejected and told to send it ALL OVER AGAIN!! But plenty of good alternatives out there now. I have a NetSpend prepaid card and yes, they do charge you a dollar for every time you swipe the card. I would check into that. I bought a prepaid cards in the USA and I could not use it in Fance. I cannot paid any thing with oneline. What is the problem? Most prepaid cards work overseas, although they typically charge a foreign transaction fee. Which prepaid card did you use? Is there a pre-paid debit card that has 24 hour service? Hello, Last week I cashed my pay check at the issuing bank, WF. I then headed over to where I wanted to make my first purchase, Office Max. There was a fee for purchasing the card printed clearly on the packagingbut I have yet to see any others. I want financial independence and freedom, but most of all I want privacy. I want to be anonymous, not only to retailers and financial institutions but also to governments and even law enforcement. I think Benjamin said it best, Those Who Sacrifice Liberty For Security Deserve Neither. Criminals will be crooks and honest ppl can either be crooks or victims, is what I would say. At best it would be considered Money Laundering, a legitimate business practice if you ask me. What then would you say is the best option for a Visa Card, refillable or not? For anyone who shares my views, you may be interested in Tor Project: Anonymity Online and Mastercard — P2P digital currency. Both are amazing technological and sociological achievements that deserve an honorable mention. You need to make sure the prepaid card does not charge for PIN transactions. American Express Pass card is totally free. You can also load money from your actual Amex card. I know one adult who has one. I am currently looking for a prepaid card. My issue is that I will be reloading cash. I know most charge you a fee to do that. Is there any that have a low fee and a low monthly fee? None of the above comments have addressed the fact that the Walmart prepaid Visa charges back fees if you let your card idle with a zero balance for a few months. Pat, almost all reloadable cards charge this fee. Can I have a customer, not government agencies or employer deposit money into my prepaid debit card and how can he do this? Are there any problems with using these cards overseas, at ATMs and at stores or with gift vendors, and are there any cards that are better than others for overseas purchases? I need to be able to load money on the prepaid card using another credit card, for my son in collage. Also are there cards out there that let you load several thousand dollars so large monthly bills can be paid? Kaiku Prepaid Is The Best Out There Right Now 1. So I will try again with a shorter comment. I have 3 AMEX prepaid products and a Green Dot. All are completely free for me. I need a card that 1. Mine will probably be grand. It looks like maybe Kaiku is it, but I was really looking for a no- fee card. You have to read the fine print to see most of these cards will not accept a tax refund deposit. I tried posting before but I kept getting duplicate comment and my comment was showing as a reply to another completely irrelevant comment. I have a bunch of the free ones and they do not. Is kaiku the lowest fee one? There are horror stories out there by people who tried to load their federal deposits on ones like Green Dot and had their tax returns frozen or stolen. I have excellent credit and credit cards in good standing. I may as well just go back to cash and the hell with all of them. Mark, you can blame the federal government. I got a bluebird account with no info other than my name and address…its done through amex but for walmart…. Mark, What card, if any, did you finally go with? Very interested as I feel the same as you about this topic. Technically one could blame the terrorists, the insane war on drugs, and other criminal types. Either a bank account or store front fees cashing service is needed to cash checks, so someone is going to make money from our using cash. However, I would assume that they could be garnished under the right circumstances. Terrible card do not recommend. I also have yet to find an ATM in Kansas City that is remotely close to anywhere I may be. I have a perk street pre paid card and it is wonderful. I got it from the teaching of Dave Ramsey…it works wonders…check the website out…. I think the Western union card deserves a looking at. I find the only charge is to load the card. A lot of people use a prepaid debit because of not having a bank account. The exception to these fees is transferring funds from your bank, and if that was the case, I would just use my bank account debit card. Are prepaid credit cards only for individuals? Our small non-profit organization wants one to be able to pay for a monthly subscription to an online service. Shelley, a good option for businesses and organizations is called Pex. Will a prepaid credit card allow me to make on-line computer purchases from Mastercard All was fine up until about three months ago. William, most prepaid cards can be used overseas, but they typically charge an international transaction fee of a couple percent. Shaun, prepaid cards should not charge an overdraft fee. Those social security offered prepaid cards do they also offer them to non retired people like the spouse of a retired person, as someone just mentioned in your blog about this deal or would we have to ask the social security office about this card. I just purchased at Walgreens Balance Financial card. Too much hassle even though the card is amazing. Also the Comerica Convenience Card? This is a really great and helpful article, Rob! Really appreciate the hard work and effort put into compiling all this information! Hi Rob, Both my husband and I need to build our credit up but need a prepaid credit card because we cant get approved for a credit card or even a secured credit card because we have no credit history. Do any of these prepaid credit cards report to all three of the credit bureaus to help establish credit? Or does only the Barclaycard or READYdebit cards help establish credit? Really could use the help to build our credit up asap. Lydia, prepaid cards do not help you build credit or report to the three credit bureaus. That being said, you really should be able to qualify for a secured card, even if you have poor credit. Have you tried applying? Another prepaid Visa card that is easy to get, easy to manage, and a lot safer than carrying cash is Russell Simmons Ruschard. FDIC-insured through The Bancorp Bank; Member FDIC. The PayPal Prepaid Mastercard is one of my favorite prepaid debit cards. Lots of good info. Also are these funds FDIC insured in case one of these banks collapse? Thank do much for your hard work and willingness to share your knowledge! Roy, if you have a debit card linked to a checking account, you can load a prepaid card electronically from your bank. Some prepaid cards do allow you to load with a credit card, but there is usually a fee involved. The American Express Serve is one example, but your credit card company could treat it as a cash advance mastercard charge fees as well. I am looking for a prepaid card to send to my 13 year old son. I am hoping to find one with a small monthly fee with no cost for purchases. He lives in a different city than I do, and he would be using it mostly for in store purchases. If I could find one that lets me track his account, that would be preferable. Thank you in advance for all your advice. I was told when I got it, I could NOT withdrawal any money and cant even get cash back from a purchase like I can on my Rushcard. Rushcard is the best card if you ask me and you now can even cash checks onto it, and reload at Walmart for free now. I owe money to PayPal Pre-Paid Master Card under some unfortunate circumstances and would like to open another account that uses Meta-Bank as a provider but I am worried that they will take all my funds and use them to pay the PayPal negative balance. Does anyone know if this will happen? I really need a prepaid debit card immediately but cannot pay PayPal the funds i owe then at the moment and need a debt card in order to survive! Adam, you can get another debit card no problem. Just pick out the one you want and go through the standard procedure. That card will have nothing to do with the other card. I have several cards. When I have a big problem or debt with one I simply abandon it and continue using the other ones. Been doing that for years. You can open the same card again if you use a different email and address. Lots of people have the same name. You can even open a new PainPal account if you need to using a different card and info that matches the card. Lot of ways you can beat these crooks at their own game. I need a card that i can reload on my end while my family member has it in another town. How can i load the money online or other without having the card in my hand? Shawn, you can reload prepaid cards online via a transfer from a bank account. Shawn, there are cards that can be reloaded without having the physical card. If you take some time to read about them or ask that question on ehow. They charge high fees for every reload and a dollar for for every purchase. So not the best card value wise. But might work out for your specific needs. I would Google that question first and ask ehow to see what other cards have those options. Please stop saying prepaid credit card. There is no such thing as prepaying a credit card. I have the Money Card from Walmart. How about American Express prepaid reloadable card? Pam, yes you can. The American Express Serve, listed above, is a great option for online purchases. I have a virtual prepaid card, which is only for online purchases. Unfortunately, for a long time I do not use it. It is associated with the fact that when I do my shopping on the Internet often have no choice of payment using the card. Only on google play I can buy some apps for my smartphone. The best prepaid card that I have found so far is Paypal. You can go to paypal-prepaid. But you can link it too your Paypal account and transfer funds back and forth. You can also have your paychecks, tax returns, etc direct deposit to the card and get it up too 2 days early. Please i wanna get prepaid card to my mummy and will are not the same state which one is good that card can add my own account to it please help me out friend. I have inheritance money due to me i cannot fine a bank who would accepts me what is the money amount limits a prepaid card holds my funds is coming from abroad and tell me would a prepaid accept international transfer i need a good reliable and trust worthy card that would accept my millions of dollars. Do these debits cards, have a ROUTING NUMBER,for transferring fund to bank, likes PayPal, using a email address, to get paid from clients? Charles, prepaid cards do have a routing number, which is used when you set up direct deposit. Also, the PayPal prepaid card can be used to transfer money to and from your paypal account. Am from Ghana-west Africa and very soon will be having my masters abroad probably Australia, Norway or Poland, I need a prepaid card with virtually no fees to keep my money on without losing my little school money to card charges…any help…?? Can you recommend a card for me? Reloading about 50 dollars in one time every month plus another in one time every month. Can you help me out?? Angelle, how will you be loading the money? Also, while you can get prepaid cards that waive the monthly fee, it typically requires that you load more onto the card than what you plan to do. Perhaps that will work for you. Question I have a friend who is wanting to sign up. I see all the fees and its waived if she has an auto transfer. Your missing Amex Bluebird. Its like Amex Serve but it has absolutely no fees at all. Refill at any hour of the day or night at Walmart. Hi, I was wondering if I get a prepaid card and it was stolen with money left on it, is that money lost? Elise, you should call the gift card company immediately. They can cancel the card and issue you a new one. I need to find a prepaid credit card or debit card for my disabled son who has limited funds — and one that will not allow him to spend money that is NOT on the card — only the loadable money. I know he has a paypal account and I read something here about being able to do something like this with paypal. Is this a good option or do you have any other suggestions? There is a PayPal prepaid card, but it does have fees. I am going to be in charge of my brothers inheritance and am looking for a way to be able to give him his monthly amount. I would like to be able to transfer the funds from the account to the card through my computer. Like no atm withdraws or no restaurants? Hello, My parents in law will come over to the US for a month and would like to have their own card. I would like to deposit money on it and they use it until they run out of funds. I do not care if it is a Debit or Credit card. Is there any card that I can do just that with no or very limited fees? David, the card on this page generally have low fees. That said, the Amex Serve card might be a good option for them. When you tell them you want your service to end, they just ignore it, and continue charging your credit card anyway. It seems like nearly all of them are like that. I get very angry when they do that. I want to get a prepaid card for my son, without enrolling in direct depositwhere he can have cash available limited to whatever I or he depositbut without having to be paying fees to reload. Compass Clearspend Prepaid Visa card or American express serve? I personally like the Serve card from Amex. It has a subaccount feature which allows you to have multiple cards on one account and designate money to the card holder I use it for my two teenagers and I can see which one of them is spending money and on what. I have a shop on Etsy and with it are monthly fees for which I have to provide a credit card account so they can bill me. I am currently using our household account, but wish to discontinue and purge our household account of all monies related to this endeavour. I opened a separate bank account and have income directed there. With the account I have a related debit card. I tried using the debit card to cover the monthly charges but it declined and suspended my Etsy shop account. I am curious about this because typically I can run my household debit card as a credit without using gift pin. I was wondering if there is a prepaid card of some type that would suffice for this setup. But if unable to use my own debit card related to the checking account, how would a prepaid debit card be any difference? Can you help me sort this out? It has the Debit MC symbol shown. However, but I think I have found a solution through the account billing options within Etsy, I hope. Thank you for your input. Please do you have credit cards so that people from Cameroon can register and get fees to the card? I have a question. Click here to cancel reply. Email will not be published required. This site may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. The credit card offers that appear on this site are from credit card companies from which doughroller. This compensation may impact how and where products appear on this site including, for example, the order in which they appear. This content is not provided or commissioned by the bank, credit card issuer, or other advertiser. Opinions expressed here are author's alone, not those of the bank, credit card issuer, or other advertiser, and have not been reviewed, approved or otherwise endorsed by the advertiser. This site may be compensated through the bank, credit card issuer, or other advertiser Affiliate Program. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. References gift products, offers, and rates from third party sites often change. While we do our best to keep card updated, numbers stated on our site may differ from actual numbers. User Generated Content Disclaimer: The comments below each article are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. You can explore the site through our archives dating back to Prepaid Cards With Low or No Fees. FREE Direct Deposit gets you access to your money up to 2 days faster. FREE ATM withdrawals at over 24, ATMs nationwide. FREE Online Bill Pay and money management tools. Subject to additional terms, conditions and exclusions. Sign up for NetSpend Payback Rewards and earn cash back. No late fees or credit card debt because this is not a credit card. No late fees or credit card debt because this is not a credit card Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply. List of Low Fee and Free Prepaid Cards The key to finding the right prepaid credit card is to find one that charges no fees or very small fees. Funds availability not guaranteed. Click "Apply Now" for full details. Stay connected - keep track of your money on your mobile phone with the free RushCard app. Get your government benefits up to two days early with Direct Deposit. See card site for details. Safer than carrying cash. With the Visa Zero Liability policy your funds are protected if your card is lost or stolen. Real time activity alerts sent to your mobile phone via text or email. Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy. Card accounts are subject to ID Verification. Click on "Apply Now" to learn more about Gloss Prepaid Visa RushCard. Securing cash and valuables since Earn Cash Back via the PayBack Rewards program from restaurants, shops and more. Use it for purchases everywhere Visa debit cards are accepted in the U. Use the card to quickly and easily pay your cell phone, cable, internet, and most other utility bills. Other fees and limits apply. Subject to successful ID verification. See Cardholder Agreement for details. American Express Serve is not a credit card. Free Direct Deposit gets you access to your money up to 2 days faster. Free ATM withdrawals at over 24, ATMs nationwide. Subject to additional terms, conditions, and exclusions. Use it for purchases everywhere Debit MasterCard cards are accepted in the U. Money can be added to most prepaid cards in one of several ways: Most prepaid cards allow you to have your paycheck, government check, or benefits check deposited directly onto the card. As described below, the direct deposit feature is extremely convenient and allows you to obtain a prepaid card for free or for a small monthly fee. Cash can be added to most prepaid cards through one of several cash networks, including Green Dot, MoneyGram, Western Union, or Visa Money Link. These cash networks are located at many nearby stores, such as CVS, Walmart, Kroger, and UPS. Prepaid cards also permit you to transfer funds from one card account to another. This is a convenient way to transfer money to friends and family, and is why many college students carry prepaid cards. Benefits of a Free Prepaid Credit Card Prepaid credit cards offer several benefits beyond a simple ATM card. Here are some other benefits of no fee prepaid cards: Because prepaid cards do not extend credit, there is no credit check run when you apply. Because the prepaid card acts as a debit card, there is no risk of overdrawing your account. With no bounced checks, there is no risk of paying a bounced check fee. No Over Limit Fees: Credit cards charge a hefty fee when cardholders exceed their credit limit. For the prepaid cards listed below, they all offer free direct deposit of paychecks, government checks, and other benefits checks. In fact, by using direct deposit, you can get the prepaid card for no fees at all. Prepaid cards keep you from spending more than you have. No Fees or Low Fees: For the cards listed below, they either charge no fees if you use direct deposit, or their fees are very low and a lot lower than using check cashing stores. This is a big advantage of prepaid cards. You can use your account card transfer payments to creditors or even other cardholders. Take the Day Money Challenge Our Day Money Challenge will help you get out of debt, save more, and take back control of your life. Start the day money challenge! We hate spam as much as you do. 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This amount includes direct attributes to diabetes such as medical costs, as well as lost work days, restricted activity and disability related to diabetes.
Shouldthe business keep detailed cost recordsfor each specific grill sold.
Janell Carroll - teaches psychology at University of Hartford.
This amount includes direct attributes to diabetes such as medical costs, as well as lost work days, restricted activity and disability related to diabetes.
You cannot even ask the question you want to ask in a straight manner, because you lack the vocabulary.