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Netspend Prepaid Card Review Advertiser disclosure You’re our first priority. Each every time. We believe everyone should be able to make sound financial decisions with confidence. And while our site doesn’t include every financial or company product on the market however, we’re confident that the advice we provide as well as the advice we provide and the tools we create are objective, independent, straightforward — and free. How do we earn money? Our partners pay us. This can influence the products we write about (and the places they are featured on our site) However, it doesn’t affect our advice or suggestions that are based on hundreds of hours of research. Our partners do not be paid to ensure positive reviews of their products or services. . Netspend Payday Card Reviews By Spencer Tierney Senior Writer | Certificates of Deposit ethics, ethical banking, bank deposits Spencer Tierney is a consumer banking writer at NerdWallet. He has been covering the personal financial sector since, with a particular emphasis on certificates of deposit and other banking-related topics. His work has been featured by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is located in Berkeley, California. Feb 10, 2021 Edited by Alice Holbrook Assigning Editor | Savings, homebuying and banking items Alice Holbrook joined NerdWallet in 2013 and is an editor for the team that covers home and mortgages. Previously, she was an editor on the team for banking that covered banking and insurance as a journalist, and did a stint on the copy desk. The work she has written for her was highlighted in USA Today, MarketWatch, Newsweek and The Washington Post. Email:
. Many or all of the items featured here come from our partners who compensate us. This influences which products we feature and the location and manner in which the product is featured on the page. But, it doesn’t influence our evaluations. Our opinions are 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 necessary to sign up, however, Netspend allows you to choose either a month-long fee or paying a charge each when you purchase. Whatever you choose, you’ll pay more fees in a year than you accrue interest on your card’s savings account. There’s a convenient nationwide network of more than 130,000 locations for cash reloads but it’s not completely cost-free and you don’t get ATMs accessible for free. The best choice for those who need a credit card that won’t allow you to go negative or charge fees for overdrafts, in the event that you select overdraft coverage. People who have had trouble with managing a bank account previously. Check out other options: Look through our list of Netspend Cards Pros 5.00 percent APY savings accounts on balances of up to $1,000 and 0.50 percent APY for the amount over that. Easy access to adding and withdrawing cash within the network of retailers. You can receive your pay up to two days early with direct deposit. Overdraft grace period or courtesy cushion is available with an optional overdraft protection. If you are looking for a method to increase your credit score? Find out more about Netspend Card Cons A monthly fee for the fee plan with the lowest fee and there is no way to eliminate the fee completely. There is no free network to withdraw cash or reload cash. Inactivity fee when you stop from using your card and other fees that most cards that are prepaid don’t come with. Optional overdraft service costs $20 per overdraftand can be used at least the maximum of five per month. Are you ready to start a savings account that is traditional instead? See the General information about prepay debit cards What is a pre-paid debit card? A prepaid debit card a type of payment card that lets you use the money you have loaded onto the card. They don’t help you build credit. Like a debit card, the prepaid card can be used at any merchant that accepts their payment network, which includes Visa, Mastercard or American Express. It’s more secure and easier than using cash. Usually the prepaid card has a mobile app for depositing checks and transfer money. Find out more on our . In contrast to checking accounts, prepaid debit cards might not have certain services, like free ATM branches, branch networks, as well as checks, among others. If none of that appeals to you, check out the list below of . If you’ve been struggling with banks in the past try these . Prepaid debit card is different from. debit card and. credit card prepaid debit cards — pay prior to you load funds onto the card via cash or checks or direct deposit into an account with a bank before you pay for transactions. Credit cards — make payments right now Pay now: You make use of funds directly from your checking account to pay for purchases or withdrawing money at an ATM. Credit cards Pay later: You borrow cash from a bank each time you make use of the card. You repay the loan later. What exactly is FDIC insurance for credit cards that are prepaid? Prepaid debit cards almost always come with FDIC insurance. This ensures that your funds protected in case the issuer fails to pay its bills. Only financial institutions can have FDIC insurance, therefore a prepaid card is either managed by a bank or by a prepaid card company that partners with a bank in order to provide that insurance. It is necessary to register your debit card in prepaid form by providing your full name, address and other identification information to be eligible for FDIC insurance, as well as other security. The author’s bio: Spencer Tierney is an expert in certificates of deposit at NerdWallet. Its work was covered on USA Today and the Los Angeles Times. On a similar note… Get the best checking account NerdWallet’s recommendations for the best checking accounts. Dive even deeper in Banking Make smarter money decisions — straight to your inbox. Sign-up and we’ll send you Nerdy posts about the money topics which matter to you the most along with other ways to help you get more from your money.
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