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Netspend Prepaid Card Review Advertiser disclosure You’re our first priority. Every time. We believe that every person should be able to make sound financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market We’re pleased that the guidance we offer and the information we offer and the tools we develop are objective, independent, straightforward — and free. How do we earn money? Our partners compensate us. This may influence which products we review and write about (and the places they are featured on our website), but it does not affect our suggestions or recommendations, which are grounded in hundreds of hours of research. Our partners are not able to promise us favorable ratings of their goods or services. . Netspend review of the Prepaid card By Spencer Tierney Senior Writer | Certificates of deposit ethics, ethical banking, bank deposit accounts Spencer Tierney is a consumer bank writer at NerdWallet. He has been covering finances for individuals since the year 2013 with a particular focus on deposits and certificates as well as other banking-related topics. The work he has written for him was highlighted in The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is based in Berkeley, California. Feb 10 2021 Edited By Alice Holbrook Assigning Editor | Homebuying, savings and banking items Alice Holbrook joined NerdWallet in 2013 as an editor for the team that covers home and mortgages. Prior to that, she was an editor on the banking team as well as covered banking and insurance as a journalist as well as working at 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 impacts the types of products we feature and where and how the product appears on a page. But, it doesn’t affect our opinions. Our opinions are entirely our own. Here’s a list and . Netspend’s debit cards for prepaid are costly alternatives to a checking account. They’re simple to open, and there’s no background check or credit history necessary to sign up, however, Netspend allows you to choose between paying a monthly fee or paying a charge each time you make a purchase. Either way, you might pay more fees in a year than what you can earn interest from your card’s savings account. There’s a handy national network that includes more than 130,000 locations for cash reloads however, it’s not free and there’s no free access to ATMs. Ideal for: People who need a credit card that won’t let you make a negative balance or charge fees for overdrafts, except if you choose to add the coverage for overdrafts. People who have had trouble with managing a bank account previously. >> See more options: Check our list of Netspend Cards Pros 5.00 percent APY savings accounts on balances of up to $1,000 and 0.50% APY on the excess amount. It is easy to add and withdrawing cash within a network of retailers. You can receive your pay up to two days earlier with direct deposit. Overdraft grace time or courtesy cushion are available with optional overdraft coverage. Are you looking for a way to increase your credit score? Discover Netspend Card Cons Monthly fee of $45 for the fee plan with the lowest fee and no option to reduce the charge entirely. There is no free network to withdraw cash or reload cash. Inactivity fee when you stop from using your card in addition to other fees that most cards that are prepaid don’t come with. Overdrafts are an option that costs you $20 per overdraftand can be used up to 5 times per month. Are you ready to open 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 is a type of payment card that allows you to use the money you have loaded into the card. They aren’t able to assist in building credit. Like a debit card, a prepaid card works at any store that accepts its payment network, like Visa, Mastercard or American Express. It’s more secure and easier than cash. Most prepaid cards have an app for mobile devices to deposit checks or transfer money. Learn more on our . Contrary to checking accounts, prepaid debit cards may lack some services such as free ATM or branch networks, as well as checks, among others. If this doesn’t suit you, see our selection of . If you’ve had trouble with banks in the past try these . Prepaid debit card in comparison to. debit card in comparison to. credit card prepaid debit cards — pay prior to you load funds onto the card through cash or checks or direct deposit into the bank account prior to paying for transactions. Credit cards — make payments today: You use cash directly from a checking account to pay for purchases or withdrawing funds from an ATM. Credit cards that pay later: You take cash from a bank each time you use your card. You pay it back later. What exactly is FDIC insurance for prepay cards work? Prepaid debit cards typically include FDIC Insurance, and it keeps your money safe in the event that the issuer goes bankrupt. Only financial institutions are eligible for FDIC insurance, which means a prepaid card is either managed by a bank or a prepaid credit card company that partners with a bank in order to provide that insurance. You have to sign up your debit card in prepaid form with your name and other identification information to qualify for FDIC insurance as well as other protections. Author bio Spencer Tierney is an expert in certificates of deposit at NerdWallet. His work has been covered on USA Today and the Los Angeles Times. In a similar vein… Discover an account that is more suitable for checking View NerdWallet’s top picks for the top checking accounts. Explore Banking even more deeply. Get more smart money moves — straight to your inbox. Sign up and we’ll send you Nerdy posts on money-related topics that are important to you and other strategies to help you get more out of your money.

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