Prepaid credit cards without having a checking savings acc
Many offer the same features as a checking account—online bill pay, mobile check deposit, and direct deposit—without the overdraft fees. All the prepaid debit cards on our list come with great features and perks; some even allow you to create sub-accounts with their own prepaid cards. Our list includes:. What we like : Our list includes two versions of the American Express Serve.
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This one charges no reload fees, which is a perk if you need to do multiple cash reloads in a single month. Your cash rewards are added to your card right after you earn them, and you can redeem rewards at any time. What we like: The Netspend Prepaid card allows you to get paid up to two days faster with direct deposit. You can load money onto your account using mobile check deposit, reload at over , locations, or receive money from friends and family who have Netspend cards. Download the free Mobile App to easily manage your Netspend account, earn cash back on your purchases based on your spending habits, and get a bonus added to your balance when a friend signs up.
What we don't like : Fees can add up quickly. Your Stars won't expire as long as your account is open. The card doesn't charge any monthly, annual, or reload fees. You can keep up with your balance on the Chase Mobile App. What we don't like : You can't use this card to make ATM withdrawals.
What we like : Akimbo lets you create a separate prepaid card for each of your budget goals, and you can manage each card from within the Akimbo app. You can schedule weekly autoloads for recurring expenses. You can also disable and enable cards at any time from within the app, as well as receive text updates after each transaction.
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The card comes with free direct deposit, mobile check deposit, as well as online bill pay. You may trigger a fee if you overdraw your account using your debit card, just as you would if you "bounced" a check. Or, there could be a charge if you use your debit card as an ATM card at a machine that is not operated by your financial institution. As with other bank products, your financial institution must provide disclosures explaining the possible fees associated with a debit card. Be sure to read the disclosures to avoid an unexpected fee.
Your Prepaid Card Isn’t a Credit Card (and Why That Matters)
As with similar financial products, rewards-linked debit cards are designed to encourage people to use a certain bank and its services. Before opening a new account or changing banks just to get a different perk, study the fine print. Start by reading the disclosures that explain the account terms and fees to understand the potential benefits as well as the costs. First, because the payments are electronic, they are deducted from accounts more quickly than when using a paper check. Often, a debit card purchase is posted within 24 hours instead of days, as may be the case with a paper check.
That means there would be little time to make a deposit to cover a purchase, if necessary. In addition, even though a transaction was approved, you may overdraw your account because the bank won't know what other withdrawals you have made that day until it settles all transactions later that day. Yes, in certain circumstances, merchants can take these steps as protection against fraud, errors or other losses. One common situation involves a hotel putting a hold on a certain amount when you use a debit card or credit card to reserve a room. Another example is when you use your debit card at the gas pump.
It depends. Because funds are deducted from your account very quickly, don't expect to have the option to stop payment or obtain a refund.
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If the transaction cannot be cancelled, you may be able to work out other arrangements with the store. For example, if you return an item to a merchant and you're not able to get a refund, you instead may qualify for store credit or a gift card. Yes, it could. Examples: If you use a PIN at a merchant's sales counter, you also may be able to get cash back, and that can save you a trip to the ATM.
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However, be aware that some financial institutions charge consumers a fee for a PIN-based transaction. There also may be differences in how quickly the transaction is posted to your account, depending on how your bank processes PIN vs. Also, here's how to select each option. If you want to sign for a debit card transaction, you generally swipe your card through the reader and choose "credit" — even though you are authorizing a debit withdrawal from your account, not a credit card transaction.
The 7 Best Prepaid Debit Cards of
To use your PIN instead of signing, select "debit. Protect your debit card as well as the account number, expiration date, security code on the back, and the PIN. While in many cases you are not responsible for unauthorized transactions see federal protections described later , it can be a hassle resolving the situation. Here's how to avoid becoming a victim:.
In the worst-case scenario — if you receive a bank statement that includes an unauthorized debit-card withdrawal and you wait more than 60 days to alert your bank — you could be liable for any amounts from transactions made after that day period. The good news is that many banks don't hold a consumer responsible for unauthorized transactions if he or she notifies the institution in a timely fashion.
But remember that with a debit card, the money tapped by the thief has already been taken out of your account. Under the EFTA, a bank has 10 business days to investigate the matter 20 business days if your account is new and report back to you with its results. If the bank needs additional time, it may, under certain circumstances, temporarily give you some or all of the disputed amount until it finishes its investigation. Generally, a bank is allowed up to 45 days of additional investigation time 90 days for certain transactions. Skip to main content. Google Tag Manager. Financial Education.
Answers to frequently asked questions about debit cards.