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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 to make sound financial decisions without hesitation. While our website doesn’t include every financial or company product that is available We’re pleased that the advice we provide and the information we offer and the tools we create are objective, independent easy to use and cost-free. So how do we make money? Our partners pay us. This can influence the products we review and write about (and the way they appear on our site) However, it doesn’t affect our advice or suggestions, which are grounded in thousands of hours of study. Our partners do not pay us to guarantee favorable reviews of their products or services. . Netspend review of the Prepaid card By Spencer Tierney Senior Writer | Certificates of Deposit and ethical banking, as well as banking deposit accounts Spencer Tierney is a consumer banking writer for NerdWallet. He has covered personal finance since 2013, with a particular emphasis on deposits and certificates as well as other banking-related topics. His work has been covered on 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 | Homebuying, savings and banking products Alice Holbrook joined NerdWallet in 2013 and is an editor on the team for home/mortgages. Previously, she was an editor for the team that dealt with banking, covered insurance and banking as a writer, and did a stint as a copy desk assistant. Her work has been covered in USA Today, MarketWatch, Newsweek and The Washington Post. Email:

. A majority or all of the products we feature are made by our partners, who pay us. This affects the products we feature as well as the place and way the product appears on the page. However, this does not influence our evaluations. Our opinions are entirely our own. Here’s a list of and . Netspend’s debit cards for prepaid are more expensive than a traditional checking account. They’re easy to get as there’s no banking history or credit check required to open, but Netspend lets you pick either a month-long fee or paying a fee each when you purchase. Either way, you might pay more fees over the course of a year than you could accrue interest on the savings account on your card. There’s a convenient nationwide network of more than 130,000 locations for cash reloads but it’s not completely cheap and there’s no ATMs that are free to use. Ideal for: People who need a credit card that won’t allow you to make a negative balance or charge fees for overdrafts, in the event that you select overdraft coverage. For those who have struggled managing their bank accounts before. >> See more options: Look through out our selection of Netspend Cards Pros 5.00% APY savings account for balances up to $1,000 and 0.50 percent APY for the amount over that. It is easy to add and withdrawing cash through a network of merchants. You can receive your pay up to two days earlier by transferring your money directly. Overdraft grace period or courtesy cushion available with optional overdraft coverage. Are you looking for a method to increase your credit score? Discover Netspend Card Cons A monthly fee for basic fee plan and no way to waive the cost entirely. There is no free network for cash reloads or withdrawals. Inactivity fee when you stop using the card, among other charges that cards that are prepaid don’t come with. Optional overdraft service costs $20 per overdraft, at least 5 times per month. >> Ready to open a traditional savings option instead? See the General information about prepaid debit cards What is a credit card that is prepaid? A prepaid debit is an alternative to a credit card that allows you to spend the money that you deposit on the card. They do not help you build credit. As with debit cards, it can be used at any merchant that accepts their payment network, such as Visa, Mastercard or American Express. It’s more secure and convenient as opposed to cash. The prepaid cards usually have a mobile app for depositing checks and transfer funds. Learn more on our . Contrary to checking accounts, debit cards that are prepaid could not offer certain services such as free ATM branches, branch networks, checks, among others. If this doesn’t suit you, take a look at our selection of . If you’ve been struggling with banks in the past, check out . Prepaid debit card in comparison to. debit card in comparison to. credit card prepaid debit cards — pay in advance: You load money onto the card via cash or checks, direct deposit or the bank account prior to paying for transactions. Credit cards — make payments now Pay now: You make use of money directly from a checking account to pay for purchases or withdrawing money from an ATM. Credit cards that pay later: You borrow cash from a bank each time you use the card and repay the loan later. What exactly is FDIC insurance on prepaid cards work? Prepaid debit cards almost always include FDIC insurance, which ensures that your money safe in the event that the issuer goes under. Only financial institutions can have FDIC insurance, therefore it is operated by a bank, or a prepaid card provider that is partnered with a bank to provide that insurance. You have to sign up your prepaid debit card using your personal name as well as any other details of identification in order to be eligible to receive FDIC insurance, as well as other security. Author bio Spencer Tierney is an expert on certificates of deposit at NerdWallet. His work has been highlighted in USA Today and the Los Angeles Times. Similar to… Discover a better checking account View 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 email you Nerdy content on money-related topics that matter most to you along with other ways to help you get more from your money.

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