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Netspend Prepaid Card Review Advertiser disclosure You’re our first priority. Each every time. We believe that every person should be able make financial decisions without hesitation. And while our site doesn’t include every financial or company product available on the market, we’re proud that the guidance we offer as well as the advice we provide as well as the tools we design are objective, independent simple, and cost-free. How do we earn money? Our partners compensate us. This could influence the types of products we write about (and where those products appear on the site), but it does not affect our advice or suggestions, which are grounded in hundreds of hours of research. Our partners are not able to promise us favorable reviews of their products or services. . Netspend Payday Card Reviews By Spencer Tierney Senior Writer | Certificates of Deposit and ethical banking, as well as banking deposits Spencer Tierney is a consumer banking writer at NerdWallet. He has been covering personal finance since 2013, with a particular focus on certificates of deposit and other topics related to banking. His work has been covered in The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. The location of his office is Berkeley, California. Feb 10, 2021 Edited by Alice Holbrook Assigning Editor | Banking, savings, and homebuying products Alice Holbrook joined NerdWallet in 2013 as an editor on the team for home/mortgages. Before that, she worked as an editor for the team that dealt with banking, covered insurance and banking as a writer, and did a stint on the copy desk. The work she has written for her was covered 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 review and where and how the product is displayed on a page. However, this does not influence our evaluations. Our views are our own. Here’s a list of and . Netspend’s debit cards for prepaid are more expensive than a traditional checking account. They’re very easy to obtain and don’t require a background check or credit history required to open, but Netspend lets you pick whether to pay a monthly charge or paying a fee each when you purchase. In either case, you could incur more charges each year than you could earn in interest from the savings account of your credit card. There’s a convenient national network that includes more than 130,000 cash reloading locations but it’s not completely cheap and there’s no free access to ATMs. Ideal for: People looking for a card to pay that doesn’t let you be in negative territory or charge you overdraft fees unless you opt into overdraft protection. For those who have struggled managing a bank account before. Find more options: Look through the list below for Netspend Cards Pros 5.00 percent APY savings accounts on balances of less than $1,000, and 0.50 percent APY on any amount over that. It is easy to add and withdrawing cash through a range of retailers. You can get your paycheck up to 2 days in advance by transferring your money directly. Overdraft grace time or courtesy cushion are available with an overdraft insurance option. Are you looking for a way to increase your credit score? Find out more about Netspend Card Cons A monthly fee for the fee plan with the lowest fee and no option to reduce the fee entirely. No free network for cash withdrawals or cash reloads. Inactivity fees if you cease from using your card among other charges that cards that are prepaid don’t come with. Overdrafts are an option that costs you $20 per overdraft, at least the maximum of five per month. >> Ready to open a traditional savings option instead? See the General information about prepay debit cards What is a prepaid debit card? A prepaid debit card an alternative to a credit card that allows you to spend the money that you deposit on the card. They don’t help you build credit. Like a debit card, it can be used with any retailer that accepts their payment network, such as Visa, Mastercard or American Express. It’s more secure and convenient than cash. Usually the prepaid card has a mobile app for depositing checks and transfer funds. Find out more about our . In contrast to checking accounts, debit cards that are prepaid might not have certain services, such as free ATM or branch networks, as well as checks, among others. If that doesn’t work for you, check out our selection of . If you’ve been struggling with banks before, check out . Prepaid debit card vs. debit card vs. credit card Prepaid debit cards — make payments before the card is loaded with money the card through cash check or direct deposit into an account with a bank before you pay for transactions. Debit cards — pay right now Pay now: You make use of funds directly from your checking account when paying for purchases or withdrawing funds at an ATM. Credit cards — pay later: You borrow money from a financial institution when you make use of the card. You pay it back in the future. What exactly is FDIC insurance for prepay cards work? Prepaid debit cards nearly always come with FDIC insurance, which keeps your funds protected in case the issuer goes bankrupt. Only financial institutions are eligible for FDIC insurance, so the prepaid card must be operated by a bank, or a prepaid credit card provider that is partnered with a bank to provide this insurance. You must register your debit card prepaid with your name and other identification information to be eligible to receive FDIC insurance as well as other protections. Author bio Spencer Tierney is an expert in certificates of deposit at NerdWallet. The work of Spencer Tierney has been highlighted in USA Today and the Los Angeles Times. Similar to… Get an account that is more suitable for checking View NerdWallet’s picks for the best checking accounts. Go deeper into Banking Get more smart money moves right to your inbox. Sign up and we’ll send you Nerdy posts about the money topics that matter most to you and other strategies to get more out of your money.

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