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Netspend Prepaid Card Review Advertiser disclosure You’re our first priority. Every every time. We believe everyone should be able to make financial decisions with confidence. Although our website does not feature every company or financial product that is available however, we’re confident of the advice we offer, the information we provide as well as the tools we design are impartial, independent easy to use and completely free. So how do we make money? Our partners pay us. This can influence the products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners are not able to pay us to guarantee favorable ratings of their goods 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 been covering finances for individuals since the year 2013, with a focus on deposit certificates and other banking-related topics. The work he has written for him was covered on The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. He is located in Berkeley, California. Feb 10 2021 Edited By Alice Holbrook Assigning Editor | Homebuying, savings and banking products 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, covered insurance and banking as a journalist and also worked at the copy desk. She has had her work featured by USA Today, MarketWatch, Newsweek and The Washington Post. Email:

. A majority or all of the products featured here are from our partners, who pay us. This influences which products we feature and the location and manner in which the product is displayed on a page. However, this does not affect our opinions. Our opinions are our own. Here is a list of and . Netspend’s prepaid debit cards can be expensive alternatives to a checking account. They’re simple to open as there’s no banking history or credit check required to open, but Netspend lets you pick whether to pay a monthly charge or paying a charge each time you make a purchase. Either way, you might pay more fees each year than what you can earn interest from your card’s savings account. There’s a reliable national network that includes more than 130,000 locations for cash reloads but it’s not completely free and there’s no ATMs accessible for free. 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, in the event that you select overdraft coverage. People who have had trouble managing a bank account in the past. >> See more options: Check the list below for Netspend Cards Pros 5.00 Savings account with APY of 5% for balances less than $1,000, and 0.50% APY on the balance that is greater than that. Access to easily adding and withdrawing cash within a network of merchants. You can receive your pay up to two days early with direct deposit. Overdraft grace time or courtesy cushion are available with an optional overdraft protection. If you are looking for a way to increase your credit score? Learn about Netspend Card Cons Steep monthly fee for basic fee plan and there is no way to eliminate the fee entirely. No free network for cash reloads or withdrawals. Inactivity fees if you cease using the card, in addition to other charges that cards that are prepaid don’t come with. The option of an overdraft is $20 per overdraft, at least the maximum of five per month. Are you ready to open a traditional savings option instead? See the General information about prepay debit cards What is a credit card that is prepaid? A prepaid debit is a type of payment card that lets you spend the money that you deposit onto the card. They do not assist in building credit. As with debit cards, a prepaid card works at any store that accepts their payment network, like Visa, Mastercard or American Express. It’s safer and more convenient than cash. The prepaid cards usually have an app for mobile devices to deposit checks and transfer funds. Find out more about our . Contrary to checking accounts, debit cards that are prepaid may lack some services such as free ATM branches, branch networks, checks, among other things. If that doesn’t work for you, see our selection of . If you’ve been struggling with banks previously try these . Prepaid debit card in comparison to. debit card and. credit card Prepaid debit card — use before you load funds onto the card via cash, checks or direct deposit to a bank account before paying for transactions. debit cards pay now you use the cash directly from a checking account to pay for purchases or withdrawing cash at an ATM. Credit cards — pay later: You borrow money from a financial institution when you use the card and pay it back at a later date. What is the procedure for FDIC insurance on prepaid cards work? Prepaid debit cards typically include FDIC insurance, which ensures that your funds safe in the event the issuer fails to pay its bills. Only financial institutions can be covered by FDIC insurance, therefore the prepaid card must be controlled by a bank or a prepaid card company that partners with a bank to offer that insurance. You have to sign up your prepaid debit card with your name and other identification information to be eligible for FDIC insurance and other protections. Author bio Spencer Tierney is an expert on certificates of deposit at NerdWallet. The work of Spencer Tierney has been highlighted on USA Today and the Los Angeles Times. In a similar vein… Discover an account that is more suitable for checking View NerdWallet’s recommendations for the best checking accounts. Go deeper into Banking Get more smart money moves delivered straight to your inbox Sign up and we’ll send you Nerdy articles on the topics in finance which matter to you the most along with other ways to get more from your money.

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