It 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. Bounce too many checks, and you’ll find yourself in the, which many banks use to evaluate potential new banking customers. For others it’s simply a distrust of the banking system or frustration with limited hours or the hoops one has to jump through to get service. Featured Prepaid Cards.
With Netspend Direct Deposit, you can get paid faster than a paper check. No late fees or interest charges because this is not a credit card.
Use the Netspend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply). Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted.
Prepaid cards vs. Debit cards:Aprepaid card is not linked to a bank checking account or to a credit unionshare draft account. Instead, you are spending money you placed inthe prepaid card account in advance. This is sometimes called “loading moneyonto the card”.Inmost cases, you can’t spend more money than you have already loaded onto yourprepaid card. Overspending can occur with a checking account for sometypes of uses, and with a bank account debit card if you have “opted in” toyour bank’s overdraft program.
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This means that your bank may charge you a feefor covering the cost of a purchase or ATM withdrawal that exceeds what youhave in your account. Your bank will also require you to repay the overdraft.Prepaid cards vs. Credit cards:Prepaidcards are very different from credit cards. This can be confusing becauseboth types of cards may have a card network logo such as Visa, MasterCard,American Express, or Discover on them. When you use a credit card, you areborrowing money.
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The Turbo℠ Prepaid Visa® Card is provided by Green Dot Corporation and is issued by Green Dot Bank pursuant to a license from Visa U.S.A Inc. Green Dot Corporation is a member service provider for Green Dot Bank, Member FDIC. Make purchases anywhere Visa Debit cards are accepted; Plus, you don’t have to worry about overdraft fees, since your spending cannot exceed the available balance on your card. It’s easy to get a Visa Prepaid card and there’s no credit check required.
Generally, when you use a prepaid card, you are spending moneyyou have already loaded onto the card in advance. If your prepaid card provideralso offers credit (including overdraft) on your prepaid card, it will need tocomply with all the rules for other credit cards.Read full answerHide full answer.