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Netspend Prepaid Card Review Advertiser disclosure You’re our first priority. Every day. We believe that every person should be able make financial decisions with confidence. Although our website does not feature every company or financial product on the market We’re pleased of the advice we offer, the information we provide and the tools we create are objective, independent easy to use and completely free. How do we earn money? Our partners compensate us. This may influence which products we write about (and the way they appear on our website) however it doesn’t affect our suggestions or recommendations, which are grounded in thousands of hours of research. Our partners cannot be paid to ensure positive reviews of their products or services. . Netspend review of the Prepaid card By Spencer Tierney Senior Writer | Certificates of Deposit, ethical banking, banking deposits Spencer Tierney is a consumer banking writer at NerdWallet. He has covered personal finance since 2013 with a particular emphasis on deposits and certificates as well as other topics related to banking. His work has been featured in The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. He is based in Berkeley, California. Feb 10, 2021 Edited by Alice Holbrook Assigning Editor | Banking, savings, and homebuying products Alice Holbrook joined NerdWallet in 2013 and is currently an editor on the home/mortgages team. Before that, she worked as an editor on the team for banking that covered banking and insurance as a writer and also worked on the copy desk. Her work has been highlighted in USA Today, MarketWatch, Newsweek and The Washington Post. Email:

. A majority or all of the products featured here are from our partners who compensate us. This affects the products we write about as well as the place and way the product is featured on the page. But, it doesn’t influence our evaluations. Our opinions are entirely our own. Here is a list of and . Netspend’s prepaid debit cards are more expensive than a traditional checking account. They’re simple to open, and there’s no credit or banking history required for opening, however Netspend lets you pick between paying a monthly charge or paying a charge each when you purchase. Whatever you choose, you’ll pay more fees over the course of a year than what you can earn interest from the savings account of your credit card. There’s a handy national network that includes more than 130,000 cash reloading locations however, it’s not cost-free and you don’t get ATMs that are free to use. The best choice for those looking for a card to pay that doesn’t let you be in negative territory or charge fees for overdrafts, except if you choose to add overdraft coverage. For those who have struggled managing their bank accounts before. Find more options: Look through our list of Netspend Cards Pros 5.00% APY savings account with balances up to $1,000, and 0.50% APY on the amount over that. It is easy to add and withdrawing cash from a network of retailers. You can get your paycheck up to two days earlier by transferring your money directly. Overdraft grace period or courtesy cushion available with an optional overdraft protection. Are you looking for a way to improve your credit score? Learn about Netspend Card Cons A monthly fee for basic fee plan and no option to reduce the fee completely. No free network for cash reloads or withdrawals. Inactivity fees if you cease making use of the credit card and other charges that prepaid cards don’t have. Overdrafts are an option that costs you $20 per overdraftand can be used at least five times per month. >> Ready to create a traditional savings option instead? Check out the general information on the prepaid debit card What exactly is a credit card that is prepaid? A prepaid debit card is one type of credit card that only lets you use the money you have loaded onto the card. They aren’t able to assist in building credit. Like a debit card, it can be used at any merchant that accepts their payment network, which includes Visa, Mastercard or American Express. It’s more secure and easier as opposed to cash. Most prepaid cards have an app that allows you for depositing checks and transfer money. Find out more about our . Unlike checking accounts, prepaid debit cards may lack some services such as free ATM or branch networks, check, and others. If none of that appeals to you, see the list below of . If you’ve had trouble with banks in the past you, take a look at . Prepaid debit card in comparison to. debit card and. credit card prepaid debit cards — pay prior to the card is loaded with money the card using cash or checks or direct deposit into a bank account before paying for transactions. Debit cards — pay today Pay now: You make use of funds directly from your checking account when making purchases or withdrawing money from an ATM. Credit cards — pay later: You take cash from a bank each time you use the card and repay the loan at a later date. What exactly is FDIC insurance on prepaid cards work? Prepaid debit cards typically include FDIC insurance, which ensures that your money safe in the event that the issuer goes under. Only financial institutions can be covered by FDIC insurance, which means it is controlled by a bank or a prepaid credit card company that has a partnership with a bank in order to provide this insurance. You must register your prepaid debit card with your name and other identification information to qualify for FDIC insurance and other protections. The author’s bio: Spencer Tierney is an expert on certificates of deposit at NerdWallet. His work has been featured by USA Today and the Los Angeles Times. Similar to… Discover the best checking account NerdWallet’s picks for the best checking accounts. Go deeper into Banking Find more money-saving strategies right to your inbox. Sign up and we’ll send you Nerdy articles about the money topics that matter most to you as well as other methods to get more out of your money.

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